贷款10.5万（公积金贷款）房贷，还款3年3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：10.5万
还款月数：3年3个月
每月还款：2840.64元
利息总额：5784.91元
本息合计：11.08万
| 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 | 2840.64 | 284.38 | 2556.26 | 102443.74 |
| 2 | 2025-07 | 2840.64 | 277.45 | 2563.19 | 99880.55 |
| 3 | 2025-08 | 2840.64 | 270.51 | 2570.13 | 97310.42 |
| 4 | 2025-09 | 2840.64 | 263.55 | 2577.09 | 94733.33 |
| 5 | 2025-10 | 2840.64 | 256.57 | 2584.07 | 92149.26 |
| 6 | 2025-11 | 2840.64 | 249.57 | 2591.07 | 89558.19 |
| 7 | 2025-12 | 2840.64 | 242.55 | 2598.09 | 86960.11 |
| 8 | 2026-01 | 2840.64 | 235.52 | 2605.12 | 84354.99 |
| 9 | 2026-02 | 2840.64 | 228.46 | 2612.18 | 81742.81 |
| 10 | 2026-03 | 2840.64 | 221.39 | 2619.25 | 79123.56 |
| 11 | 2026-04 | 2840.64 | 214.29 | 2626.35 | 76497.21 |
| 12 | 2026-05 | 2840.64 | 207.18 | 2633.46 | 73863.75 |
| 13 | 2026-06 | 2840.64 | 200.05 | 2640.59 | 71223.16 |
| 14 | 2026-07 | 2840.64 | 192.90 | 2647.74 | 68575.42 |
| 15 | 2026-08 | 2840.64 | 185.73 | 2654.91 | 65920.51 |
| 16 | 2026-09 | 2840.64 | 178.53 | 2662.10 | 63258.40 |
| 17 | 2026-10 | 2840.64 | 171.32 | 2669.31 | 60589.09 |
| 18 | 2026-11 | 2840.64 | 164.10 | 2676.54 | 57912.55 |
| 19 | 2026-12 | 2840.64 | 156.85 | 2683.79 | 55228.75 |
| 20 | 2027-01 | 2840.64 | 149.58 | 2691.06 | 52537.69 |
| 21 | 2027-02 | 2840.64 | 142.29 | 2698.35 | 49839.34 |
| 22 | 2027-03 | 2840.64 | 134.98 | 2705.66 | 47133.69 |
| 23 | 2027-04 | 2840.64 | 127.65 | 2712.98 | 44420.70 |
| 24 | 2027-05 | 2840.64 | 120.31 | 2720.33 | 41700.37 |
| 25 | 2027-06 | 2840.64 | 112.94 | 2727.70 | 38972.67 |
| 26 | 2027-07 | 2840.64 | 105.55 | 2735.09 | 36237.58 |
| 27 | 2027-08 | 2840.64 | 98.14 | 2742.50 | 33495.09 |
| 28 | 2027-09 | 2840.64 | 90.72 | 2749.92 | 30745.16 |
| 29 | 2027-10 | 2840.64 | 83.27 | 2757.37 | 27987.79 |
| 30 | 2027-11 | 2840.64 | 75.80 | 2764.84 | 25222.96 |
| 31 | 2027-12 | 2840.64 | 68.31 | 2772.33 | 22450.63 |
| 32 | 2028-01 | 2840.64 | 60.80 | 2779.83 | 19670.79 |
| 33 | 2028-02 | 2840.64 | 53.28 | 2787.36 | 16883.43 |
| 34 | 2028-03 | 2840.64 | 45.73 | 2794.91 | 14088.52 |
| 35 | 2028-04 | 2840.64 | 38.16 | 2802.48 | 11286.04 |
| 36 | 2028-05 | 2840.64 | 30.57 | 2810.07 | 8475.96 |
| 37 | 2028-06 | 2840.64 | 22.96 | 2817.68 | 5658.28 |
| 38 | 2028-07 | 2840.64 | 15.32 | 2825.31 | 2832.97 |
| 39 | 2028-08 | 2840.64 | 7.67 | 2832.97 | 0.00 |
等额本金还款方式：
贷款总额：10.5万
还款月数：3年3个月
首月还款：2976.68元
每月递减：7.29元
利息总额：5687.5元
本息合计：11.07万
节省利息：97.41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 | 2976.68 | 284.38 | 2692.31 | 102307.69 |
| 2 | 2025-07 | 2969.39 | 277.08 | 2692.31 | 99615.38 |
| 3 | 2025-08 | 2962.10 | 269.79 | 2692.31 | 96923.08 |
| 4 | 2025-09 | 2954.81 | 262.50 | 2692.31 | 94230.77 |
| 5 | 2025-10 | 2947.52 | 255.21 | 2692.31 | 91538.46 |
| 6 | 2025-11 | 2940.22 | 247.92 | 2692.31 | 88846.15 |
| 7 | 2025-12 | 2932.93 | 240.63 | 2692.31 | 86153.85 |
| 8 | 2026-01 | 2925.64 | 233.33 | 2692.31 | 83461.54 |
| 9 | 2026-02 | 2918.35 | 226.04 | 2692.31 | 80769.23 |
| 10 | 2026-03 | 2911.06 | 218.75 | 2692.31 | 78076.92 |
| 11 | 2026-04 | 2903.77 | 211.46 | 2692.31 | 75384.62 |
| 12 | 2026-05 | 2896.47 | 204.17 | 2692.31 | 72692.31 |
| 13 | 2026-06 | 2889.18 | 196.88 | 2692.31 | 70000.00 |
| 14 | 2026-07 | 2881.89 | 189.58 | 2692.31 | 67307.69 |
| 15 | 2026-08 | 2874.60 | 182.29 | 2692.31 | 64615.38 |
| 16 | 2026-09 | 2867.31 | 175.00 | 2692.31 | 61923.08 |
| 17 | 2026-10 | 2860.02 | 167.71 | 2692.31 | 59230.77 |
| 18 | 2026-11 | 2852.72 | 160.42 | 2692.31 | 56538.46 |
| 19 | 2026-12 | 2845.43 | 153.13 | 2692.31 | 53846.15 |
| 20 | 2027-01 | 2838.14 | 145.83 | 2692.31 | 51153.85 |
| 21 | 2027-02 | 2830.85 | 138.54 | 2692.31 | 48461.54 |
| 22 | 2027-03 | 2823.56 | 131.25 | 2692.31 | 45769.23 |
| 23 | 2027-04 | 2816.27 | 123.96 | 2692.31 | 43076.92 |
| 24 | 2027-05 | 2808.97 | 116.67 | 2692.31 | 40384.62 |
| 25 | 2027-06 | 2801.68 | 109.38 | 2692.31 | 37692.31 |
| 26 | 2027-07 | 2794.39 | 102.08 | 2692.31 | 35000.00 |
| 27 | 2027-08 | 2787.10 | 94.79 | 2692.31 | 32307.69 |
| 28 | 2027-09 | 2779.81 | 87.50 | 2692.31 | 29615.38 |
| 29 | 2027-10 | 2772.52 | 80.21 | 2692.31 | 26923.08 |
| 30 | 2027-11 | 2765.22 | 72.92 | 2692.31 | 24230.77 |
| 31 | 2027-12 | 2757.93 | 65.63 | 2692.31 | 21538.46 |
| 32 | 2028-01 | 2750.64 | 58.33 | 2692.31 | 18846.15 |
| 33 | 2028-02 | 2743.35 | 51.04 | 2692.31 | 16153.85 |
| 34 | 2028-03 | 2736.06 | 43.75 | 2692.31 | 13461.54 |
| 35 | 2028-04 | 2728.77 | 36.46 | 2692.31 | 10769.23 |
| 36 | 2028-05 | 2721.47 | 29.17 | 2692.31 | 8076.92 |
| 37 | 2028-06 | 2714.18 | 21.88 | 2692.31 | 5384.62 |
| 38 | 2028-07 | 2706.89 | 14.58 | 2692.31 | 2692.31 |
| 39 | 2028-08 | 2699.60 | 7.29 | 2692.31 | 0.00 |