贷款22万（公积金贷款）房贷，还款3年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：22万
还款月数：3年
每月还款：6310.98元
利息总额：7195.14元
本息合计：22.72万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 6310.98 | 385.00 | 5925.98 | 214074.02 |
| 2 | 2025-09 | 6310.98 | 374.63 | 5936.35 | 208137.68 |
| 3 | 2025-10 | 6310.98 | 364.24 | 5946.74 | 202190.94 |
| 4 | 2025-11 | 6310.98 | 353.83 | 5957.14 | 196233.80 |
| 5 | 2025-12 | 6310.98 | 343.41 | 5967.57 | 190266.23 |
| 6 | 2026-01 | 6310.98 | 332.97 | 5978.01 | 184288.22 |
| 7 | 2026-02 | 6310.98 | 322.50 | 5988.47 | 178299.75 |
| 8 | 2026-03 | 6310.98 | 312.02 | 5998.95 | 172300.80 |
| 9 | 2026-04 | 6310.98 | 301.53 | 6009.45 | 166291.35 |
| 10 | 2026-05 | 6310.98 | 291.01 | 6019.97 | 160271.38 |
| 11 | 2026-06 | 6310.98 | 280.47 | 6030.50 | 154240.88 |
| 12 | 2026-07 | 6310.98 | 269.92 | 6041.05 | 148199.83 |
| 13 | 2026-08 | 6310.98 | 259.35 | 6051.63 | 142148.20 |
| 14 | 2026-09 | 6310.98 | 248.76 | 6062.22 | 136085.98 |
| 15 | 2026-10 | 6310.98 | 238.15 | 6072.83 | 130013.16 |
| 16 | 2026-11 | 6310.98 | 227.52 | 6083.45 | 123929.71 |
| 17 | 2026-12 | 6310.98 | 216.88 | 6094.10 | 117835.61 |
| 18 | 2027-01 | 6310.98 | 206.21 | 6104.76 | 111730.84 |
| 19 | 2027-02 | 6310.98 | 195.53 | 6115.45 | 105615.40 |
| 20 | 2027-03 | 6310.98 | 184.83 | 6126.15 | 99489.25 |
| 21 | 2027-04 | 6310.98 | 174.11 | 6136.87 | 93352.38 |
| 22 | 2027-05 | 6310.98 | 163.37 | 6147.61 | 87204.77 |
| 23 | 2027-06 | 6310.98 | 152.61 | 6158.37 | 81046.40 |
| 24 | 2027-07 | 6310.98 | 141.83 | 6169.14 | 74877.25 |
| 25 | 2027-08 | 6310.98 | 131.04 | 6179.94 | 68697.31 |
| 26 | 2027-09 | 6310.98 | 120.22 | 6190.76 | 62506.56 |
| 27 | 2027-10 | 6310.98 | 109.39 | 6201.59 | 56304.97 |
| 28 | 2027-11 | 6310.98 | 98.53 | 6212.44 | 50092.53 |
| 29 | 2027-12 | 6310.98 | 87.66 | 6223.31 | 43869.21 |
| 30 | 2028-01 | 6310.98 | 76.77 | 6234.21 | 37635.01 |
| 31 | 2028-02 | 6310.98 | 65.86 | 6245.11 | 31389.89 |
| 32 | 2028-03 | 6310.98 | 54.93 | 6256.04 | 25133.85 |
| 33 | 2028-04 | 6310.98 | 43.98 | 6266.99 | 18866.86 |
| 34 | 2028-05 | 6310.98 | 33.02 | 6277.96 | 12588.90 |
| 35 | 2028-06 | 6310.98 | 22.03 | 6288.95 | 6299.95 |
| 36 | 2028-07 | 6310.98 | 11.02 | 6299.95 | 0.00 |
等额本金还款方式：
贷款总额：22万
还款月数：3年
首月还款：6496.11元
每月递减：10.69元
利息总额：7122.5元
本息合计：22.71万
节省利息：72.64元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 6496.11 | 385.00 | 6111.11 | 213888.89 |
| 2 | 2025-09 | 6485.42 | 374.31 | 6111.11 | 207777.78 |
| 3 | 2025-10 | 6474.72 | 363.61 | 6111.11 | 201666.67 |
| 4 | 2025-11 | 6464.03 | 352.92 | 6111.11 | 195555.56 |
| 5 | 2025-12 | 6453.33 | 342.22 | 6111.11 | 189444.44 |
| 6 | 2026-01 | 6442.64 | 331.53 | 6111.11 | 183333.33 |
| 7 | 2026-02 | 6431.94 | 320.83 | 6111.11 | 177222.22 |
| 8 | 2026-03 | 6421.25 | 310.14 | 6111.11 | 171111.11 |
| 9 | 2026-04 | 6410.56 | 299.44 | 6111.11 | 165000.00 |
| 10 | 2026-05 | 6399.86 | 288.75 | 6111.11 | 158888.89 |
| 11 | 2026-06 | 6389.17 | 278.06 | 6111.11 | 152777.78 |
| 12 | 2026-07 | 6378.47 | 267.36 | 6111.11 | 146666.67 |
| 13 | 2026-08 | 6367.78 | 256.67 | 6111.11 | 140555.56 |
| 14 | 2026-09 | 6357.08 | 245.97 | 6111.11 | 134444.44 |
| 15 | 2026-10 | 6346.39 | 235.28 | 6111.11 | 128333.33 |
| 16 | 2026-11 | 6335.69 | 224.58 | 6111.11 | 122222.22 |
| 17 | 2026-12 | 6325.00 | 213.89 | 6111.11 | 116111.11 |
| 18 | 2027-01 | 6314.31 | 203.19 | 6111.11 | 110000.00 |
| 19 | 2027-02 | 6303.61 | 192.50 | 6111.11 | 103888.89 |
| 20 | 2027-03 | 6292.92 | 181.81 | 6111.11 | 97777.78 |
| 21 | 2027-04 | 6282.22 | 171.11 | 6111.11 | 91666.67 |
| 22 | 2027-05 | 6271.53 | 160.42 | 6111.11 | 85555.56 |
| 23 | 2027-06 | 6260.83 | 149.72 | 6111.11 | 79444.44 |
| 24 | 2027-07 | 6250.14 | 139.03 | 6111.11 | 73333.33 |
| 25 | 2027-08 | 6239.44 | 128.33 | 6111.11 | 67222.22 |
| 26 | 2027-09 | 6228.75 | 117.64 | 6111.11 | 61111.11 |
| 27 | 2027-10 | 6218.06 | 106.94 | 6111.11 | 55000.00 |
| 28 | 2027-11 | 6207.36 | 96.25 | 6111.11 | 48888.89 |
| 29 | 2027-12 | 6196.67 | 85.56 | 6111.11 | 42777.78 |
| 30 | 2028-01 | 6185.97 | 74.86 | 6111.11 | 36666.67 |
| 31 | 2028-02 | 6175.28 | 64.17 | 6111.11 | 30555.56 |
| 32 | 2028-03 | 6164.58 | 53.47 | 6111.11 | 24444.44 |
| 33 | 2028-04 | 6153.89 | 42.78 | 6111.11 | 18333.33 |
| 34 | 2028-05 | 6143.19 | 32.08 | 6111.11 | 12222.22 |
| 35 | 2028-06 | 6132.50 | 21.39 | 6111.11 | 6111.11 |
| 36 | 2028-07 | 6121.81 | 10.69 | 6111.11 | 0.00 |