贷款7.68万（公积金贷款）房贷，还款3年1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1个月
每月还款：2171.41元
利息总额：3516.11元
本息合计：8.03万
| 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 | 2171.41 | 182.46 | 1988.95 | 74837.05 |
| 2 | 2025-10 | 2171.41 | 177.74 | 1993.67 | 72843.38 |
| 3 | 2025-11 | 2171.41 | 173.00 | 1998.41 | 70844.98 |
| 4 | 2025-12 | 2171.41 | 168.26 | 2003.15 | 68841.83 |
| 5 | 2026-01 | 2171.41 | 163.50 | 2007.91 | 66833.92 |
| 6 | 2026-02 | 2171.41 | 158.73 | 2012.68 | 64821.24 |
| 7 | 2026-03 | 2171.41 | 153.95 | 2017.46 | 62803.78 |
| 8 | 2026-04 | 2171.41 | 149.16 | 2022.25 | 60781.53 |
| 9 | 2026-05 | 2171.41 | 144.36 | 2027.05 | 58754.48 |
| 10 | 2026-06 | 2171.41 | 139.54 | 2031.87 | 56722.61 |
| 11 | 2026-07 | 2171.41 | 134.72 | 2036.69 | 54685.92 |
| 12 | 2026-08 | 2171.41 | 129.88 | 2041.53 | 52644.39 |
| 13 | 2026-09 | 2171.41 | 125.03 | 2046.38 | 50598.01 |
| 14 | 2026-10 | 2171.41 | 120.17 | 2051.24 | 48546.78 |
| 15 | 2026-11 | 2171.41 | 115.30 | 2056.11 | 46490.67 |
| 16 | 2026-12 | 2171.41 | 110.42 | 2060.99 | 44429.67 |
| 17 | 2027-01 | 2171.41 | 105.52 | 2065.89 | 42363.78 |
| 18 | 2027-02 | 2171.41 | 100.61 | 2070.79 | 40292.99 |
| 19 | 2027-03 | 2171.41 | 95.70 | 2075.71 | 38217.28 |
| 20 | 2027-04 | 2171.41 | 90.77 | 2080.64 | 36136.64 |
| 21 | 2027-05 | 2171.41 | 85.82 | 2085.58 | 34051.05 |
| 22 | 2027-06 | 2171.41 | 80.87 | 2090.54 | 31960.51 |
| 23 | 2027-07 | 2171.41 | 75.91 | 2095.50 | 29865.01 |
| 24 | 2027-08 | 2171.41 | 70.93 | 2100.48 | 27764.53 |
| 25 | 2027-09 | 2171.41 | 65.94 | 2105.47 | 25659.07 |
| 26 | 2027-10 | 2171.41 | 60.94 | 2110.47 | 23548.60 |
| 27 | 2027-11 | 2171.41 | 55.93 | 2115.48 | 21433.12 |
| 28 | 2027-12 | 2171.41 | 50.90 | 2120.50 | 19312.61 |
| 29 | 2028-01 | 2171.41 | 45.87 | 2125.54 | 17187.07 |
| 30 | 2028-02 | 2171.41 | 40.82 | 2130.59 | 15056.48 |
| 31 | 2028-03 | 2171.41 | 35.76 | 2135.65 | 12920.83 |
| 32 | 2028-04 | 2171.41 | 30.69 | 2140.72 | 10780.11 |
| 33 | 2028-05 | 2171.41 | 25.60 | 2145.81 | 8634.31 |
| 34 | 2028-06 | 2171.41 | 20.51 | 2150.90 | 6483.40 |
| 35 | 2028-07 | 2171.41 | 15.40 | 2156.01 | 4327.39 |
| 36 | 2028-08 | 2171.41 | 10.28 | 2161.13 | 2166.26 |
| 37 | 2028-09 | 2171.41 | 5.14 | 2166.26 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：3年1个月
首月还款：2258.84元
每月递减：4.93元
利息总额：3466.77元
本息合计：8.03万
节省利息：49.34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 | 2258.84 | 182.46 | 2076.38 | 74749.62 |
| 2 | 2025-10 | 2253.91 | 177.53 | 2076.38 | 72673.24 |
| 3 | 2025-11 | 2248.98 | 172.60 | 2076.38 | 70596.86 |
| 4 | 2025-12 | 2244.05 | 167.67 | 2076.38 | 68520.49 |
| 5 | 2026-01 | 2239.11 | 162.74 | 2076.38 | 66444.11 |
| 6 | 2026-02 | 2234.18 | 157.80 | 2076.38 | 64367.73 |
| 7 | 2026-03 | 2229.25 | 152.87 | 2076.38 | 62291.35 |
| 8 | 2026-04 | 2224.32 | 147.94 | 2076.38 | 60214.97 |
| 9 | 2026-05 | 2219.39 | 143.01 | 2076.38 | 58138.59 |
| 10 | 2026-06 | 2214.46 | 138.08 | 2076.38 | 56062.22 |
| 11 | 2026-07 | 2209.53 | 133.15 | 2076.38 | 53985.84 |
| 12 | 2026-08 | 2204.59 | 128.22 | 2076.38 | 51909.46 |
| 13 | 2026-09 | 2199.66 | 123.28 | 2076.38 | 49833.08 |
| 14 | 2026-10 | 2194.73 | 118.35 | 2076.38 | 47756.70 |
| 15 | 2026-11 | 2189.80 | 113.42 | 2076.38 | 45680.32 |
| 16 | 2026-12 | 2184.87 | 108.49 | 2076.38 | 43603.95 |
| 17 | 2027-01 | 2179.94 | 103.56 | 2076.38 | 41527.57 |
| 18 | 2027-02 | 2175.01 | 98.63 | 2076.38 | 39451.19 |
| 19 | 2027-03 | 2170.07 | 93.70 | 2076.38 | 37374.81 |
| 20 | 2027-04 | 2165.14 | 88.77 | 2076.38 | 35298.43 |
| 21 | 2027-05 | 2160.21 | 83.83 | 2076.38 | 33222.05 |
| 22 | 2027-06 | 2155.28 | 78.90 | 2076.38 | 31145.68 |
| 23 | 2027-07 | 2150.35 | 73.97 | 2076.38 | 29069.30 |
| 24 | 2027-08 | 2145.42 | 69.04 | 2076.38 | 26992.92 |
| 25 | 2027-09 | 2140.49 | 64.11 | 2076.38 | 24916.54 |
| 26 | 2027-10 | 2135.56 | 59.18 | 2076.38 | 22840.16 |
| 27 | 2027-11 | 2130.62 | 54.25 | 2076.38 | 20763.78 |
| 28 | 2027-12 | 2125.69 | 49.31 | 2076.38 | 18687.41 |
| 29 | 2028-01 | 2120.76 | 44.38 | 2076.38 | 16611.03 |
| 30 | 2028-02 | 2115.83 | 39.45 | 2076.38 | 14534.65 |
| 31 | 2028-03 | 2110.90 | 34.52 | 2076.38 | 12458.27 |
| 32 | 2028-04 | 2105.97 | 29.59 | 2076.38 | 10381.89 |
| 33 | 2028-05 | 2101.04 | 24.66 | 2076.38 | 8305.51 |
| 34 | 2028-06 | 2096.10 | 19.73 | 2076.38 | 6229.14 |
| 35 | 2028-07 | 2091.17 | 14.79 | 2076.38 | 4152.76 |
| 36 | 2028-08 | 2086.24 | 9.86 | 2076.38 | 2076.38 |
| 37 | 2028-09 | 2081.31 | 4.93 | 2076.38 | 0.00 |