贷款7.68万（公积金贷款）房贷，还款3年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
每月还款：2229.12元
利息总额：3422.25元
本息合计：8.02万
| 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 | 2229.12 | 182.46 | 2046.66 | 74779.34 |
| 2 | 2025-10 | 2229.12 | 177.60 | 2051.52 | 72727.83 |
| 3 | 2025-11 | 2229.12 | 172.73 | 2056.39 | 70671.44 |
| 4 | 2025-12 | 2229.12 | 167.84 | 2061.27 | 68610.16 |
| 5 | 2026-01 | 2229.12 | 162.95 | 2066.17 | 66544.00 |
| 6 | 2026-02 | 2229.12 | 158.04 | 2071.08 | 64472.92 |
| 7 | 2026-03 | 2229.12 | 153.12 | 2075.99 | 62396.92 |
| 8 | 2026-04 | 2229.12 | 148.19 | 2080.93 | 60316.00 |
| 9 | 2026-05 | 2229.12 | 143.25 | 2085.87 | 58230.13 |
| 10 | 2026-06 | 2229.12 | 138.30 | 2090.82 | 56139.31 |
| 11 | 2026-07 | 2229.12 | 133.33 | 2095.79 | 54043.52 |
| 12 | 2026-08 | 2229.12 | 128.35 | 2100.76 | 51942.76 |
| 13 | 2026-09 | 2229.12 | 123.36 | 2105.75 | 49837.00 |
| 14 | 2026-10 | 2229.12 | 118.36 | 2110.76 | 47726.25 |
| 15 | 2026-11 | 2229.12 | 113.35 | 2115.77 | 45610.48 |
| 16 | 2026-12 | 2229.12 | 108.32 | 2120.79 | 43489.69 |
| 17 | 2027-01 | 2229.12 | 103.29 | 2125.83 | 41363.86 |
| 18 | 2027-02 | 2229.12 | 98.24 | 2130.88 | 39232.98 |
| 19 | 2027-03 | 2229.12 | 93.18 | 2135.94 | 37097.04 |
| 20 | 2027-04 | 2229.12 | 88.11 | 2141.01 | 34956.03 |
| 21 | 2027-05 | 2229.12 | 83.02 | 2146.10 | 32809.93 |
| 22 | 2027-06 | 2229.12 | 77.92 | 2151.19 | 30658.74 |
| 23 | 2027-07 | 2229.12 | 72.81 | 2156.30 | 28502.43 |
| 24 | 2027-08 | 2229.12 | 67.69 | 2161.42 | 26341.01 |
| 25 | 2027-09 | 2229.12 | 62.56 | 2166.56 | 24174.45 |
| 26 | 2027-10 | 2229.12 | 57.41 | 2171.70 | 22002.75 |
| 27 | 2027-11 | 2229.12 | 52.26 | 2176.86 | 19825.88 |
| 28 | 2027-12 | 2229.12 | 47.09 | 2182.03 | 17643.85 |
| 29 | 2028-01 | 2229.12 | 41.90 | 2187.21 | 15456.64 |
| 30 | 2028-02 | 2229.12 | 36.71 | 2192.41 | 13264.23 |
| 31 | 2028-03 | 2229.12 | 31.50 | 2197.62 | 11066.62 |
| 32 | 2028-04 | 2229.12 | 26.28 | 2202.83 | 8863.78 |
| 33 | 2028-05 | 2229.12 | 21.05 | 2208.07 | 6655.71 |
| 34 | 2028-06 | 2229.12 | 15.81 | 2213.31 | 4442.40 |
| 35 | 2028-07 | 2229.12 | 10.55 | 2218.57 | 2223.84 |
| 36 | 2028-08 | 2229.12 | 5.28 | 2223.84 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：3年
首月还款：2316.52元
每月递减：5.07元
利息总额：3375.54元
本息合计：8.02万
节省利息：46.7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 | 2316.52 | 182.46 | 2134.06 | 74691.94 |
| 2 | 2025-10 | 2311.45 | 177.39 | 2134.06 | 72557.89 |
| 3 | 2025-11 | 2306.38 | 172.32 | 2134.06 | 70423.83 |
| 4 | 2025-12 | 2301.31 | 167.26 | 2134.06 | 68289.78 |
| 5 | 2026-01 | 2296.24 | 162.19 | 2134.06 | 66155.72 |
| 6 | 2026-02 | 2291.18 | 157.12 | 2134.06 | 64021.67 |
| 7 | 2026-03 | 2286.11 | 152.05 | 2134.06 | 61887.61 |
| 8 | 2026-04 | 2281.04 | 146.98 | 2134.06 | 59753.56 |
| 9 | 2026-05 | 2275.97 | 141.91 | 2134.06 | 57619.50 |
| 10 | 2026-06 | 2270.90 | 136.85 | 2134.06 | 55485.44 |
| 11 | 2026-07 | 2265.83 | 131.78 | 2134.06 | 53351.39 |
| 12 | 2026-08 | 2260.77 | 126.71 | 2134.06 | 51217.33 |
| 13 | 2026-09 | 2255.70 | 121.64 | 2134.06 | 49083.28 |
| 14 | 2026-10 | 2250.63 | 116.57 | 2134.06 | 46949.22 |
| 15 | 2026-11 | 2245.56 | 111.50 | 2134.06 | 44815.17 |
| 16 | 2026-12 | 2240.49 | 106.44 | 2134.06 | 42681.11 |
| 17 | 2027-01 | 2235.42 | 101.37 | 2134.06 | 40547.06 |
| 18 | 2027-02 | 2230.35 | 96.30 | 2134.06 | 38413.00 |
| 19 | 2027-03 | 2225.29 | 91.23 | 2134.06 | 36278.94 |
| 20 | 2027-04 | 2220.22 | 86.16 | 2134.06 | 34144.89 |
| 21 | 2027-05 | 2215.15 | 81.09 | 2134.06 | 32010.83 |
| 22 | 2027-06 | 2210.08 | 76.03 | 2134.06 | 29876.78 |
| 23 | 2027-07 | 2205.01 | 70.96 | 2134.06 | 27742.72 |
| 24 | 2027-08 | 2199.94 | 65.89 | 2134.06 | 25608.67 |
| 25 | 2027-09 | 2194.88 | 60.82 | 2134.06 | 23474.61 |
| 26 | 2027-10 | 2189.81 | 55.75 | 2134.06 | 21340.56 |
| 27 | 2027-11 | 2184.74 | 50.68 | 2134.06 | 19206.50 |
| 28 | 2027-12 | 2179.67 | 45.62 | 2134.06 | 17072.44 |
| 29 | 2028-01 | 2174.60 | 40.55 | 2134.06 | 14938.39 |
| 30 | 2028-02 | 2169.53 | 35.48 | 2134.06 | 12804.33 |
| 31 | 2028-03 | 2164.47 | 30.41 | 2134.06 | 10670.28 |
| 32 | 2028-04 | 2159.40 | 25.34 | 2134.06 | 8536.22 |
| 33 | 2028-05 | 2154.33 | 20.27 | 2134.06 | 6402.17 |
| 34 | 2028-06 | 2149.26 | 15.21 | 2134.06 | 4268.11 |
| 35 | 2028-07 | 2144.19 | 10.14 | 2134.06 | 2134.06 |
| 36 | 2028-08 | 2139.12 | 5.07 | 2134.06 | 0.00 |