贷款53万（公积金贷款）房贷，还款2年6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：53万
还款月数：2年6个月
每月还款：18417.99元
利息总额：2.25万
本息合计：55.25万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 18417.99 | 1435.42 | 16982.58 | 513017.42 |
| 2 | 2025-07 | 18417.99 | 1389.42 | 17028.57 | 495988.85 |
| 3 | 2025-08 | 18417.99 | 1343.30 | 17074.69 | 478914.16 |
| 4 | 2025-09 | 18417.99 | 1297.06 | 17120.93 | 461793.23 |
| 5 | 2025-10 | 18417.99 | 1250.69 | 17167.30 | 444625.93 |
| 6 | 2025-11 | 18417.99 | 1204.20 | 17213.80 | 427412.13 |
| 7 | 2025-12 | 18417.99 | 1157.57 | 17260.42 | 410151.71 |
| 8 | 2026-01 | 18417.99 | 1110.83 | 17307.17 | 392844.55 |
| 9 | 2026-02 | 18417.99 | 1063.95 | 17354.04 | 375490.51 |
| 10 | 2026-03 | 18417.99 | 1016.95 | 17401.04 | 358089.47 |
| 11 | 2026-04 | 18417.99 | 969.83 | 17448.17 | 340641.30 |
| 12 | 2026-05 | 18417.99 | 922.57 | 17495.42 | 323145.88 |
| 13 | 2026-06 | 18417.99 | 875.19 | 17542.81 | 305603.07 |
| 14 | 2026-07 | 18417.99 | 827.67 | 17590.32 | 288012.76 |
| 15 | 2026-08 | 18417.99 | 780.03 | 17637.96 | 270374.80 |
| 16 | 2026-09 | 18417.99 | 732.27 | 17685.73 | 252689.07 |
| 17 | 2026-10 | 18417.99 | 684.37 | 17733.63 | 234955.45 |
| 18 | 2026-11 | 18417.99 | 636.34 | 17781.65 | 217173.79 |
| 19 | 2026-12 | 18417.99 | 588.18 | 17829.81 | 199343.98 |
| 20 | 2027-01 | 18417.99 | 539.89 | 17878.10 | 181465.87 |
| 21 | 2027-02 | 18417.99 | 491.47 | 17926.52 | 163539.35 |
| 22 | 2027-03 | 18417.99 | 442.92 | 17975.07 | 145564.28 |
| 23 | 2027-04 | 18417.99 | 394.24 | 18023.76 | 127540.52 |
| 24 | 2027-05 | 18417.99 | 345.42 | 18072.57 | 109467.95 |
| 25 | 2027-06 | 18417.99 | 296.48 | 18121.52 | 91346.43 |
| 26 | 2027-07 | 18417.99 | 247.40 | 18170.60 | 73175.84 |
| 27 | 2027-08 | 18417.99 | 198.18 | 18219.81 | 54956.03 |
| 28 | 2027-09 | 18417.99 | 148.84 | 18269.15 | 36686.88 |
| 29 | 2027-10 | 18417.99 | 99.36 | 18318.63 | 18368.25 |
| 30 | 2027-11 | 18417.99 | 49.75 | 18368.25 | 0.00 |
等额本金还款方式：
贷款总额：53万
还款月数：2年6个月
首月还款：19102.08元
每月递减：47.85元
利息总额：2.22万
本息合计：55.22万
节省利息：290.82元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 19102.08 | 1435.42 | 17666.67 | 512333.33 |
| 2 | 2025-07 | 19054.24 | 1387.57 | 17666.67 | 494666.67 |
| 3 | 2025-08 | 19006.39 | 1339.72 | 17666.67 | 477000.00 |
| 4 | 2025-09 | 18958.54 | 1291.88 | 17666.67 | 459333.33 |
| 5 | 2025-10 | 18910.69 | 1244.03 | 17666.67 | 441666.67 |
| 6 | 2025-11 | 18862.85 | 1196.18 | 17666.67 | 424000.00 |
| 7 | 2025-12 | 18815.00 | 1148.33 | 17666.67 | 406333.33 |
| 8 | 2026-01 | 18767.15 | 1100.49 | 17666.67 | 388666.67 |
| 9 | 2026-02 | 18719.31 | 1052.64 | 17666.67 | 371000.00 |
| 10 | 2026-03 | 18671.46 | 1004.79 | 17666.67 | 353333.33 |
| 11 | 2026-04 | 18623.61 | 956.94 | 17666.67 | 335666.67 |
| 12 | 2026-05 | 18575.76 | 909.10 | 17666.67 | 318000.00 |
| 13 | 2026-06 | 18527.92 | 861.25 | 17666.67 | 300333.33 |
| 14 | 2026-07 | 18480.07 | 813.40 | 17666.67 | 282666.67 |
| 15 | 2026-08 | 18432.22 | 765.56 | 17666.67 | 265000.00 |
| 16 | 2026-09 | 18384.38 | 717.71 | 17666.67 | 247333.33 |
| 17 | 2026-10 | 18336.53 | 669.86 | 17666.67 | 229666.67 |
| 18 | 2026-11 | 18288.68 | 622.01 | 17666.67 | 212000.00 |
| 19 | 2026-12 | 18240.83 | 574.17 | 17666.67 | 194333.33 |
| 20 | 2027-01 | 18192.99 | 526.32 | 17666.67 | 176666.67 |
| 21 | 2027-02 | 18145.14 | 478.47 | 17666.67 | 159000.00 |
| 22 | 2027-03 | 18097.29 | 430.63 | 17666.67 | 141333.33 |
| 23 | 2027-04 | 18049.44 | 382.78 | 17666.67 | 123666.67 |
| 24 | 2027-05 | 18001.60 | 334.93 | 17666.67 | 106000.00 |
| 25 | 2027-06 | 17953.75 | 287.08 | 17666.67 | 88333.33 |
| 26 | 2027-07 | 17905.90 | 239.24 | 17666.67 | 70666.67 |
| 27 | 2027-08 | 17858.06 | 191.39 | 17666.67 | 53000.00 |
| 28 | 2027-09 | 17810.21 | 143.54 | 17666.67 | 35333.33 |
| 29 | 2027-10 | 17762.36 | 95.69 | 17666.67 | 17666.67 |
| 30 | 2027-11 | 17714.51 | 47.85 | 17666.67 | 0.00 |