贷款6.88万（公积金贷款）房贷，还款2年8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：6.88万
还款月数：2年8个月
每月还款：2229.05元
利息总额：2488.58元
本息合计：7.13万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 2229.05 | 149.16 | 2079.89 | 66761.11 |
| 2 | 2026-02 | 2229.05 | 144.65 | 2084.40 | 64676.71 |
| 3 | 2026-03 | 2229.05 | 140.13 | 2088.92 | 62587.79 |
| 4 | 2026-04 | 2229.05 | 135.61 | 2093.44 | 60494.35 |
| 5 | 2026-05 | 2229.05 | 131.07 | 2097.98 | 58396.37 |
| 6 | 2026-06 | 2229.05 | 126.53 | 2102.52 | 56293.84 |
| 7 | 2026-07 | 2229.05 | 121.97 | 2107.08 | 54186.76 |
| 8 | 2026-08 | 2229.05 | 117.40 | 2111.64 | 52075.12 |
| 9 | 2026-09 | 2229.05 | 112.83 | 2116.22 | 49958.90 |
| 10 | 2026-10 | 2229.05 | 108.24 | 2120.81 | 47838.09 |
| 11 | 2026-11 | 2229.05 | 103.65 | 2125.40 | 45712.69 |
| 12 | 2026-12 | 2229.05 | 99.04 | 2130.01 | 43582.69 |
| 13 | 2027-01 | 2229.05 | 94.43 | 2134.62 | 41448.07 |
| 14 | 2027-02 | 2229.05 | 89.80 | 2139.25 | 39308.82 |
| 15 | 2027-03 | 2229.05 | 85.17 | 2143.88 | 37164.94 |
| 16 | 2027-04 | 2229.05 | 80.52 | 2148.53 | 35016.42 |
| 17 | 2027-05 | 2229.05 | 75.87 | 2153.18 | 32863.24 |
| 18 | 2027-06 | 2229.05 | 71.20 | 2157.85 | 30705.39 |
| 19 | 2027-07 | 2229.05 | 66.53 | 2162.52 | 28542.87 |
| 20 | 2027-08 | 2229.05 | 61.84 | 2167.21 | 26375.66 |
| 21 | 2027-09 | 2229.05 | 57.15 | 2171.90 | 24203.76 |
| 22 | 2027-10 | 2229.05 | 52.44 | 2176.61 | 22027.15 |
| 23 | 2027-11 | 2229.05 | 47.73 | 2181.32 | 19845.83 |
| 24 | 2027-12 | 2229.05 | 43.00 | 2186.05 | 17659.78 |
| 25 | 2028-01 | 2229.05 | 38.26 | 2190.79 | 15468.99 |
| 26 | 2028-02 | 2229.05 | 33.52 | 2195.53 | 13273.46 |
| 27 | 2028-03 | 2229.05 | 28.76 | 2200.29 | 11073.17 |
| 28 | 2028-04 | 2229.05 | 23.99 | 2205.06 | 8868.11 |
| 29 | 2028-05 | 2229.05 | 19.21 | 2209.84 | 6658.28 |
| 30 | 2028-06 | 2229.05 | 14.43 | 2214.62 | 4443.65 |
| 31 | 2028-07 | 2229.05 | 9.63 | 2219.42 | 2224.23 |
| 32 | 2028-08 | 2229.05 | 4.82 | 2224.23 | 0.00 |
等额本金还款方式：
贷款总额：6.88万
还款月数：2年8个月
首月还款：2300.44元
每月递减：4.66元
利息总额：2461.07元
本息合计：7.13万
节省利息：27.52元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 2300.44 | 149.16 | 2151.28 | 66689.72 |
| 2 | 2026-02 | 2295.78 | 144.49 | 2151.28 | 64538.44 |
| 3 | 2026-03 | 2291.11 | 139.83 | 2151.28 | 62387.16 |
| 4 | 2026-04 | 2286.45 | 135.17 | 2151.28 | 60235.88 |
| 5 | 2026-05 | 2281.79 | 130.51 | 2151.28 | 58084.59 |
| 6 | 2026-06 | 2277.13 | 125.85 | 2151.28 | 55933.31 |
| 7 | 2026-07 | 2272.47 | 121.19 | 2151.28 | 53782.03 |
| 8 | 2026-08 | 2267.81 | 116.53 | 2151.28 | 51630.75 |
| 9 | 2026-09 | 2263.15 | 111.87 | 2151.28 | 49479.47 |
| 10 | 2026-10 | 2258.49 | 107.21 | 2151.28 | 47328.19 |
| 11 | 2026-11 | 2253.83 | 102.54 | 2151.28 | 45176.91 |
| 12 | 2026-12 | 2249.16 | 97.88 | 2151.28 | 43025.63 |
| 13 | 2027-01 | 2244.50 | 93.22 | 2151.28 | 40874.34 |
| 14 | 2027-02 | 2239.84 | 88.56 | 2151.28 | 38723.06 |
| 15 | 2027-03 | 2235.18 | 83.90 | 2151.28 | 36571.78 |
| 16 | 2027-04 | 2230.52 | 79.24 | 2151.28 | 34420.50 |
| 17 | 2027-05 | 2225.86 | 74.58 | 2151.28 | 32269.22 |
| 18 | 2027-06 | 2221.20 | 69.92 | 2151.28 | 30117.94 |
| 19 | 2027-07 | 2216.54 | 65.26 | 2151.28 | 27966.66 |
| 20 | 2027-08 | 2211.88 | 60.59 | 2151.28 | 25815.38 |
| 21 | 2027-09 | 2207.21 | 55.93 | 2151.28 | 23664.09 |
| 22 | 2027-10 | 2202.55 | 51.27 | 2151.28 | 21512.81 |
| 23 | 2027-11 | 2197.89 | 46.61 | 2151.28 | 19361.53 |
| 24 | 2027-12 | 2193.23 | 41.95 | 2151.28 | 17210.25 |
| 25 | 2028-01 | 2188.57 | 37.29 | 2151.28 | 15058.97 |
| 26 | 2028-02 | 2183.91 | 32.63 | 2151.28 | 12907.69 |
| 27 | 2028-03 | 2179.25 | 27.97 | 2151.28 | 10756.41 |
| 28 | 2028-04 | 2174.59 | 23.31 | 2151.28 | 8605.13 |
| 29 | 2028-05 | 2169.93 | 18.64 | 2151.28 | 6453.84 |
| 30 | 2028-06 | 2165.26 | 13.98 | 2151.28 | 4302.56 |
| 31 | 2028-07 | 2160.60 | 9.32 | 2151.28 | 2151.28 |
| 32 | 2028-08 | 2155.94 | 4.66 | 2151.28 | 0.00 |