贷款7.68万（公积金贷款）房贷，还款3年2个月的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：7.68万
还款月数：3年2个月
每月还款：2116.74元
利息总额：3610.05元
本息合计：8.04万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 2116.74 | 182.46 | 1934.28 | 74891.72 |
| 2 | 2025-10 | 2116.74 | 177.87 | 1938.87 | 72952.85 |
| 3 | 2025-11 | 2116.74 | 173.26 | 1943.48 | 71009.38 |
| 4 | 2025-12 | 2116.74 | 168.65 | 1948.09 | 69061.29 |
| 5 | 2026-01 | 2116.74 | 164.02 | 1952.72 | 67108.57 |
| 6 | 2026-02 | 2116.74 | 159.38 | 1957.36 | 65151.22 |
| 7 | 2026-03 | 2116.74 | 154.73 | 1962.00 | 63189.21 |
| 8 | 2026-04 | 2116.74 | 150.07 | 1966.66 | 61222.55 |
| 9 | 2026-05 | 2116.74 | 145.40 | 1971.33 | 59251.21 |
| 10 | 2026-06 | 2116.74 | 140.72 | 1976.02 | 57275.20 |
| 11 | 2026-07 | 2116.74 | 136.03 | 1980.71 | 55294.49 |
| 12 | 2026-08 | 2116.74 | 131.32 | 1985.41 | 53309.07 |
| 13 | 2026-09 | 2116.74 | 126.61 | 1990.13 | 51318.94 |
| 14 | 2026-10 | 2116.74 | 121.88 | 1994.86 | 49324.09 |
| 15 | 2026-11 | 2116.74 | 117.14 | 1999.59 | 47324.50 |
| 16 | 2026-12 | 2116.74 | 112.40 | 2004.34 | 45320.15 |
| 17 | 2027-01 | 2116.74 | 107.64 | 2009.10 | 43311.05 |
| 18 | 2027-02 | 2116.74 | 102.86 | 2013.87 | 41297.18 |
| 19 | 2027-03 | 2116.74 | 98.08 | 2018.66 | 39278.52 |
| 20 | 2027-04 | 2116.74 | 93.29 | 2023.45 | 37255.07 |
| 21 | 2027-05 | 2116.74 | 88.48 | 2028.26 | 35226.81 |
| 22 | 2027-06 | 2116.74 | 83.66 | 2033.07 | 33193.74 |
| 23 | 2027-07 | 2116.74 | 78.84 | 2037.90 | 31155.83 |
| 24 | 2027-08 | 2116.74 | 74.00 | 2042.74 | 29113.09 |
| 25 | 2027-09 | 2116.74 | 69.14 | 2047.59 | 27065.50 |
| 26 | 2027-10 | 2116.74 | 64.28 | 2052.46 | 25013.04 |
| 27 | 2027-11 | 2116.74 | 59.41 | 2057.33 | 22955.71 |
| 28 | 2027-12 | 2116.74 | 54.52 | 2062.22 | 20893.49 |
| 29 | 2028-01 | 2116.74 | 49.62 | 2067.12 | 18826.37 |
| 30 | 2028-02 | 2116.74 | 44.71 | 2072.03 | 16754.35 |
| 31 | 2028-03 | 2116.74 | 39.79 | 2076.95 | 14677.40 |
| 32 | 2028-04 | 2116.74 | 34.86 | 2081.88 | 12595.52 |
| 33 | 2028-05 | 2116.74 | 29.91 | 2086.82 | 10508.70 |
| 34 | 2028-06 | 2116.74 | 24.96 | 2091.78 | 8416.92 |
| 35 | 2028-07 | 2116.74 | 19.99 | 2096.75 | 6320.17 |
| 36 | 2028-08 | 2116.74 | 15.01 | 2101.73 | 4218.44 |
| 37 | 2028-09 | 2116.74 | 10.02 | 2106.72 | 2111.72 |
| 38 | 2028-10 | 2116.74 | 5.02 | 2111.72 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：3年2个月
首月还款：2204.2元
每月递减：4.8元
利息总额：3558元
本息合计：8.04万
节省利息：52.04元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 2204.20 | 182.46 | 2021.74 | 74804.26 |
| 2 | 2025-10 | 2199.40 | 177.66 | 2021.74 | 72782.53 |
| 3 | 2025-11 | 2194.60 | 172.86 | 2021.74 | 70760.79 |
| 4 | 2025-12 | 2189.79 | 168.06 | 2021.74 | 68739.05 |
| 5 | 2026-01 | 2184.99 | 163.26 | 2021.74 | 66717.32 |
| 6 | 2026-02 | 2180.19 | 158.45 | 2021.74 | 64695.58 |
| 7 | 2026-03 | 2175.39 | 153.65 | 2021.74 | 62673.84 |
| 8 | 2026-04 | 2170.59 | 148.85 | 2021.74 | 60652.11 |
| 9 | 2026-05 | 2165.79 | 144.05 | 2021.74 | 58630.37 |
| 10 | 2026-06 | 2160.98 | 139.25 | 2021.74 | 56608.63 |
| 11 | 2026-07 | 2156.18 | 134.45 | 2021.74 | 54586.89 |
| 12 | 2026-08 | 2151.38 | 129.64 | 2021.74 | 52565.16 |
| 13 | 2026-09 | 2146.58 | 124.84 | 2021.74 | 50543.42 |
| 14 | 2026-10 | 2141.78 | 120.04 | 2021.74 | 48521.68 |
| 15 | 2026-11 | 2136.98 | 115.24 | 2021.74 | 46499.95 |
| 16 | 2026-12 | 2132.17 | 110.44 | 2021.74 | 44478.21 |
| 17 | 2027-01 | 2127.37 | 105.64 | 2021.74 | 42456.47 |
| 18 | 2027-02 | 2122.57 | 100.83 | 2021.74 | 40434.74 |
| 19 | 2027-03 | 2117.77 | 96.03 | 2021.74 | 38413.00 |
| 20 | 2027-04 | 2112.97 | 91.23 | 2021.74 | 36391.26 |
| 21 | 2027-05 | 2108.17 | 86.43 | 2021.74 | 34369.53 |
| 22 | 2027-06 | 2103.36 | 81.63 | 2021.74 | 32347.79 |
| 23 | 2027-07 | 2098.56 | 76.83 | 2021.74 | 30326.05 |
| 24 | 2027-08 | 2093.76 | 72.02 | 2021.74 | 28304.32 |
| 25 | 2027-09 | 2088.96 | 67.22 | 2021.74 | 26282.58 |
| 26 | 2027-10 | 2084.16 | 62.42 | 2021.74 | 24260.84 |
| 27 | 2027-11 | 2079.36 | 57.62 | 2021.74 | 22239.11 |
| 28 | 2027-12 | 2074.55 | 52.82 | 2021.74 | 20217.37 |
| 29 | 2028-01 | 2069.75 | 48.02 | 2021.74 | 18195.63 |
| 30 | 2028-02 | 2064.95 | 43.21 | 2021.74 | 16173.89 |
| 31 | 2028-03 | 2060.15 | 38.41 | 2021.74 | 14152.16 |
| 32 | 2028-04 | 2055.35 | 33.61 | 2021.74 | 12130.42 |
| 33 | 2028-05 | 2050.55 | 28.81 | 2021.74 | 10108.68 |
| 34 | 2028-06 | 2045.74 | 24.01 | 2021.74 | 8086.95 |
| 35 | 2028-07 | 2040.94 | 19.21 | 2021.74 | 6065.21 |
| 36 | 2028-08 | 2036.14 | 14.40 | 2021.74 | 4043.47 |
| 37 | 2028-09 | 2031.34 | 9.60 | 2021.74 | 2021.74 |
| 38 | 2028-10 | 2026.54 | 4.80 | 2021.74 | 0.00 |