贷款10.5万（公积金贷款）房贷，还款3年2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2个月
每月还款：2911.52元
利息总额：5637.79元
本息合计：11.06万
| 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 | 2911.52 | 284.38 | 2627.15 | 102372.85 |
| 2 | 2025-07 | 2911.52 | 277.26 | 2634.26 | 99738.59 |
| 3 | 2025-08 | 2911.52 | 270.13 | 2641.40 | 97097.20 |
| 4 | 2025-09 | 2911.52 | 262.97 | 2648.55 | 94448.65 |
| 5 | 2025-10 | 2911.52 | 255.80 | 2655.72 | 91792.93 |
| 6 | 2025-11 | 2911.52 | 248.61 | 2662.91 | 89130.01 |
| 7 | 2025-12 | 2911.52 | 241.39 | 2670.13 | 86459.89 |
| 8 | 2026-01 | 2911.52 | 234.16 | 2677.36 | 83782.53 |
| 9 | 2026-02 | 2911.52 | 226.91 | 2684.61 | 81097.92 |
| 10 | 2026-03 | 2911.52 | 219.64 | 2691.88 | 78406.04 |
| 11 | 2026-04 | 2911.52 | 212.35 | 2699.17 | 75706.87 |
| 12 | 2026-05 | 2911.52 | 205.04 | 2706.48 | 73000.38 |
| 13 | 2026-06 | 2911.52 | 197.71 | 2713.81 | 70286.57 |
| 14 | 2026-07 | 2911.52 | 190.36 | 2721.16 | 67565.41 |
| 15 | 2026-08 | 2911.52 | 182.99 | 2728.53 | 64836.88 |
| 16 | 2026-09 | 2911.52 | 175.60 | 2735.92 | 62100.96 |
| 17 | 2026-10 | 2911.52 | 168.19 | 2743.33 | 59357.63 |
| 18 | 2026-11 | 2911.52 | 160.76 | 2750.76 | 56606.87 |
| 19 | 2026-12 | 2911.52 | 153.31 | 2758.21 | 53848.66 |
| 20 | 2027-01 | 2911.52 | 145.84 | 2765.68 | 51082.98 |
| 21 | 2027-02 | 2911.52 | 138.35 | 2773.17 | 48309.81 |
| 22 | 2027-03 | 2911.52 | 130.84 | 2780.68 | 45529.13 |
| 23 | 2027-04 | 2911.52 | 123.31 | 2788.21 | 42740.91 |
| 24 | 2027-05 | 2911.52 | 115.76 | 2795.76 | 39945.15 |
| 25 | 2027-06 | 2911.52 | 108.18 | 2803.34 | 37141.81 |
| 26 | 2027-07 | 2911.52 | 100.59 | 2810.93 | 34330.88 |
| 27 | 2027-08 | 2911.52 | 92.98 | 2818.54 | 31512.34 |
| 28 | 2027-09 | 2911.52 | 85.35 | 2826.17 | 28686.17 |
| 29 | 2027-10 | 2911.52 | 77.69 | 2833.83 | 25852.34 |
| 30 | 2027-11 | 2911.52 | 70.02 | 2841.50 | 23010.84 |
| 31 | 2027-12 | 2911.52 | 62.32 | 2849.20 | 20161.64 |
| 32 | 2028-01 | 2911.52 | 54.60 | 2856.92 | 17304.72 |
| 33 | 2028-02 | 2911.52 | 46.87 | 2864.65 | 14440.07 |
| 34 | 2028-03 | 2911.52 | 39.11 | 2872.41 | 11567.65 |
| 35 | 2028-04 | 2911.52 | 31.33 | 2880.19 | 8687.46 |
| 36 | 2028-05 | 2911.52 | 23.53 | 2887.99 | 5799.47 |
| 37 | 2028-06 | 2911.52 | 15.71 | 2895.81 | 2903.66 |
| 38 | 2028-07 | 2911.52 | 7.86 | 2903.66 | 0.00 |
等额本金还款方式：
贷款总额：10.5万
还款月数：3年2个月
首月还款：3047.53元
每月递减：7.48元
利息总额：5545.31元
本息合计：11.05万
节省利息：92.47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 | 3047.53 | 284.38 | 2763.16 | 102236.84 |
| 2 | 2025-07 | 3040.05 | 276.89 | 2763.16 | 99473.68 |
| 3 | 2025-08 | 3032.57 | 269.41 | 2763.16 | 96710.53 |
| 4 | 2025-09 | 3025.08 | 261.92 | 2763.16 | 93947.37 |
| 5 | 2025-10 | 3017.60 | 254.44 | 2763.16 | 91184.21 |
| 6 | 2025-11 | 3010.12 | 246.96 | 2763.16 | 88421.05 |
| 7 | 2025-12 | 3002.63 | 239.47 | 2763.16 | 85657.89 |
| 8 | 2026-01 | 2995.15 | 231.99 | 2763.16 | 82894.74 |
| 9 | 2026-02 | 2987.66 | 224.51 | 2763.16 | 80131.58 |
| 10 | 2026-03 | 2980.18 | 217.02 | 2763.16 | 77368.42 |
| 11 | 2026-04 | 2972.70 | 209.54 | 2763.16 | 74605.26 |
| 12 | 2026-05 | 2965.21 | 202.06 | 2763.16 | 71842.11 |
| 13 | 2026-06 | 2957.73 | 194.57 | 2763.16 | 69078.95 |
| 14 | 2026-07 | 2950.25 | 187.09 | 2763.16 | 66315.79 |
| 15 | 2026-08 | 2942.76 | 179.61 | 2763.16 | 63552.63 |
| 16 | 2026-09 | 2935.28 | 172.12 | 2763.16 | 60789.47 |
| 17 | 2026-10 | 2927.80 | 164.64 | 2763.16 | 58026.32 |
| 18 | 2026-11 | 2920.31 | 157.15 | 2763.16 | 55263.16 |
| 19 | 2026-12 | 2912.83 | 149.67 | 2763.16 | 52500.00 |
| 20 | 2027-01 | 2905.35 | 142.19 | 2763.16 | 49736.84 |
| 21 | 2027-02 | 2897.86 | 134.70 | 2763.16 | 46973.68 |
| 22 | 2027-03 | 2890.38 | 127.22 | 2763.16 | 44210.53 |
| 23 | 2027-04 | 2882.89 | 119.74 | 2763.16 | 41447.37 |
| 24 | 2027-05 | 2875.41 | 112.25 | 2763.16 | 38684.21 |
| 25 | 2027-06 | 2867.93 | 104.77 | 2763.16 | 35921.05 |
| 26 | 2027-07 | 2860.44 | 97.29 | 2763.16 | 33157.89 |
| 27 | 2027-08 | 2852.96 | 89.80 | 2763.16 | 30394.74 |
| 28 | 2027-09 | 2845.48 | 82.32 | 2763.16 | 27631.58 |
| 29 | 2027-10 | 2837.99 | 74.84 | 2763.16 | 24868.42 |
| 30 | 2027-11 | 2830.51 | 67.35 | 2763.16 | 22105.26 |
| 31 | 2027-12 | 2823.03 | 59.87 | 2763.16 | 19342.11 |
| 32 | 2028-01 | 2815.54 | 52.38 | 2763.16 | 16578.95 |
| 33 | 2028-02 | 2808.06 | 44.90 | 2763.16 | 13815.79 |
| 34 | 2028-03 | 2800.58 | 37.42 | 2763.16 | 11052.63 |
| 35 | 2028-04 | 2793.09 | 29.93 | 2763.16 | 8289.47 |
| 36 | 2028-05 | 2785.61 | 22.45 | 2763.16 | 5526.32 |
| 37 | 2028-06 | 2778.13 | 14.97 | 2763.16 | 2763.16 |
| 38 | 2028-07 | 2770.64 | 7.48 | 2763.16 | 0.00 |