贷款500万（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：500万
还款月数：2年8个月
每月还款：171740.75元
利息总额：49.57万
本息合计：549.57万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 171740.75 | 29166.67 | 142574.08 | 4857425.92 |
| 2 | 2025-08 | 171740.75 | 28334.98 | 143405.76 | 4714020.16 |
| 3 | 2025-09 | 171740.75 | 27498.45 | 144242.29 | 4569777.87 |
| 4 | 2025-10 | 171740.75 | 26657.04 | 145083.71 | 4424694.16 |
| 5 | 2025-11 | 171740.75 | 25810.72 | 145930.03 | 4278764.13 |
| 6 | 2025-12 | 171740.75 | 24959.46 | 146781.29 | 4131982.84 |
| 7 | 2026-01 | 171740.75 | 24103.23 | 147637.51 | 3984345.33 |
| 8 | 2026-02 | 171740.75 | 23242.01 | 148498.73 | 3835846.60 |
| 9 | 2026-03 | 171740.75 | 22375.77 | 149364.97 | 3686481.63 |
| 10 | 2026-04 | 171740.75 | 21504.48 | 150236.27 | 3536245.36 |
| 11 | 2026-05 | 171740.75 | 20628.10 | 151112.65 | 3385132.71 |
| 12 | 2026-06 | 171740.75 | 19746.61 | 151994.14 | 3233138.57 |
| 13 | 2026-07 | 171740.75 | 18859.97 | 152880.77 | 3080257.80 |
| 14 | 2026-08 | 171740.75 | 17968.17 | 153772.57 | 2926485.23 |
| 15 | 2026-09 | 171740.75 | 17071.16 | 154669.58 | 2771815.64 |
| 16 | 2026-10 | 171740.75 | 16168.92 | 155571.82 | 2616243.82 |
| 17 | 2026-11 | 171740.75 | 15261.42 | 156479.32 | 2459764.50 |
| 18 | 2026-12 | 171740.75 | 14348.63 | 157392.12 | 2302372.38 |
| 19 | 2027-01 | 171740.75 | 13430.51 | 158310.24 | 2144062.14 |
| 20 | 2027-02 | 171740.75 | 12507.03 | 159233.72 | 1984828.43 |
| 21 | 2027-03 | 171740.75 | 11578.17 | 160162.58 | 1824665.85 |
| 22 | 2027-04 | 171740.75 | 10643.88 | 161096.86 | 1663568.99 |
| 23 | 2027-05 | 171740.75 | 9704.15 | 162036.59 | 1501532.39 |
| 24 | 2027-06 | 171740.75 | 8758.94 | 162981.81 | 1338550.59 |
| 25 | 2027-07 | 171740.75 | 7808.21 | 163932.53 | 1174618.05 |
| 26 | 2027-08 | 171740.75 | 6851.94 | 164888.81 | 1009729.25 |
| 27 | 2027-09 | 171740.75 | 5890.09 | 165850.66 | 843878.59 |
| 28 | 2027-10 | 171740.75 | 4922.63 | 166818.12 | 677060.47 |
| 29 | 2027-11 | 171740.75 | 3949.52 | 167791.23 | 509269.24 |
| 30 | 2027-12 | 171740.75 | 2970.74 | 168770.01 | 340499.23 |
| 31 | 2028-01 | 171740.75 | 1986.25 | 169754.50 | 170744.73 |
| 32 | 2028-02 | 171740.75 | 996.01 | 170744.73 | 0.00 |
等额本金还款方式：
贷款总额：500万
还款月数：2年8个月
首月还款：185416.67元
每月递减：911.46元
利息总额：48.13万
本息合计：548.13万
节省利息：14453.85元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 185416.67 | 29166.67 | 156250.00 | 4843750.00 |
| 2 | 2025-08 | 184505.21 | 28255.21 | 156250.00 | 4687500.00 |
| 3 | 2025-09 | 183593.75 | 27343.75 | 156250.00 | 4531250.00 |
| 4 | 2025-10 | 182682.29 | 26432.29 | 156250.00 | 4375000.00 |
| 5 | 2025-11 | 181770.83 | 25520.83 | 156250.00 | 4218750.00 |
| 6 | 2025-12 | 180859.38 | 24609.38 | 156250.00 | 4062500.00 |
| 7 | 2026-01 | 179947.92 | 23697.92 | 156250.00 | 3906250.00 |
| 8 | 2026-02 | 179036.46 | 22786.46 | 156250.00 | 3750000.00 |
| 9 | 2026-03 | 178125.00 | 21875.00 | 156250.00 | 3593750.00 |
| 10 | 2026-04 | 177213.54 | 20963.54 | 156250.00 | 3437500.00 |
| 11 | 2026-05 | 176302.08 | 20052.08 | 156250.00 | 3281250.00 |
| 12 | 2026-06 | 175390.63 | 19140.63 | 156250.00 | 3125000.00 |
| 13 | 2026-07 | 174479.17 | 18229.17 | 156250.00 | 2968750.00 |
| 14 | 2026-08 | 173567.71 | 17317.71 | 156250.00 | 2812500.00 |
| 15 | 2026-09 | 172656.25 | 16406.25 | 156250.00 | 2656250.00 |
| 16 | 2026-10 | 171744.79 | 15494.79 | 156250.00 | 2500000.00 |
| 17 | 2026-11 | 170833.33 | 14583.33 | 156250.00 | 2343750.00 |
| 18 | 2026-12 | 169921.88 | 13671.88 | 156250.00 | 2187500.00 |
| 19 | 2027-01 | 169010.42 | 12760.42 | 156250.00 | 2031250.00 |
| 20 | 2027-02 | 168098.96 | 11848.96 | 156250.00 | 1875000.00 |
| 21 | 2027-03 | 167187.50 | 10937.50 | 156250.00 | 1718750.00 |
| 22 | 2027-04 | 166276.04 | 10026.04 | 156250.00 | 1562500.00 |
| 23 | 2027-05 | 165364.58 | 9114.58 | 156250.00 | 1406250.00 |
| 24 | 2027-06 | 164453.13 | 8203.13 | 156250.00 | 1250000.00 |
| 25 | 2027-07 | 163541.67 | 7291.67 | 156250.00 | 1093750.00 |
| 26 | 2027-08 | 162630.21 | 6380.21 | 156250.00 | 937500.00 |
| 27 | 2027-09 | 161718.75 | 5468.75 | 156250.00 | 781250.00 |
| 28 | 2027-10 | 160807.29 | 4557.29 | 156250.00 | 625000.00 |
| 29 | 2027-11 | 159895.83 | 3645.83 | 156250.00 | 468750.00 |
| 30 | 2027-12 | 158984.38 | 2734.38 | 156250.00 | 312500.00 |
| 31 | 2028-01 | 158072.92 | 1822.92 | 156250.00 | 156250.00 |
| 32 | 2028-02 | 157161.46 | 911.46 | 156250.00 | 0.00 |