河北贷款10万（公积金贷款）房贷，还款2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：10万
还款月数：2年
每月还款：4262.82元
利息总额：2307.76元
本息合计：10.23万
| 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 | 4262.82 | 183.33 | 4079.49 | 95920.51 |
| 2 | 2025-08 | 4262.82 | 175.85 | 4086.97 | 91833.54 |
| 3 | 2025-09 | 4262.82 | 168.36 | 4094.46 | 87739.08 |
| 4 | 2025-10 | 4262.82 | 160.85 | 4101.97 | 83637.11 |
| 5 | 2025-11 | 4262.82 | 153.33 | 4109.49 | 79527.62 |
| 6 | 2025-12 | 4262.82 | 145.80 | 4117.02 | 75410.60 |
| 7 | 2026-01 | 4262.82 | 138.25 | 4124.57 | 71286.03 |
| 8 | 2026-02 | 4262.82 | 130.69 | 4132.13 | 67153.90 |
| 9 | 2026-03 | 4262.82 | 123.12 | 4139.71 | 63014.19 |
| 10 | 2026-04 | 4262.82 | 115.53 | 4147.30 | 58866.89 |
| 11 | 2026-05 | 4262.82 | 107.92 | 4154.90 | 54711.99 |
| 12 | 2026-06 | 4262.82 | 100.31 | 4162.52 | 50549.47 |
| 13 | 2026-07 | 4262.82 | 92.67 | 4170.15 | 46379.33 |
| 14 | 2026-08 | 4262.82 | 85.03 | 4177.79 | 42201.53 |
| 15 | 2026-09 | 4262.82 | 77.37 | 4185.45 | 38016.08 |
| 16 | 2026-10 | 4262.82 | 69.70 | 4193.13 | 33822.95 |
| 17 | 2026-11 | 4262.82 | 62.01 | 4200.81 | 29622.14 |
| 18 | 2026-12 | 4262.82 | 54.31 | 4208.52 | 25413.62 |
| 19 | 2027-01 | 4262.82 | 46.59 | 4216.23 | 21197.39 |
| 20 | 2027-02 | 4262.82 | 38.86 | 4223.96 | 16973.43 |
| 21 | 2027-03 | 4262.82 | 31.12 | 4231.71 | 12741.72 |
| 22 | 2027-04 | 4262.82 | 23.36 | 4239.46 | 8502.26 |
| 23 | 2027-05 | 4262.82 | 15.59 | 4247.24 | 4255.02 |
| 24 | 2027-06 | 4262.82 | 7.80 | 4255.02 | 0.00 |
等额本金还款方式：
贷款总额：10万
还款月数：2年
首月还款：4350元
每月递减：7.64元
利息总额：2291.67元
本息合计：10.23万
节省利息：16.09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 | 4350.00 | 183.33 | 4166.67 | 95833.33 |
| 2 | 2025-08 | 4342.36 | 175.69 | 4166.67 | 91666.67 |
| 3 | 2025-09 | 4334.72 | 168.06 | 4166.67 | 87500.00 |
| 4 | 2025-10 | 4327.08 | 160.42 | 4166.67 | 83333.33 |
| 5 | 2025-11 | 4319.44 | 152.78 | 4166.67 | 79166.67 |
| 6 | 2025-12 | 4311.81 | 145.14 | 4166.67 | 75000.00 |
| 7 | 2026-01 | 4304.17 | 137.50 | 4166.67 | 70833.33 |
| 8 | 2026-02 | 4296.53 | 129.86 | 4166.67 | 66666.67 |
| 9 | 2026-03 | 4288.89 | 122.22 | 4166.67 | 62500.00 |
| 10 | 2026-04 | 4281.25 | 114.58 | 4166.67 | 58333.33 |
| 11 | 2026-05 | 4273.61 | 106.94 | 4166.67 | 54166.67 |
| 12 | 2026-06 | 4265.97 | 99.31 | 4166.67 | 50000.00 |
| 13 | 2026-07 | 4258.33 | 91.67 | 4166.67 | 45833.33 |
| 14 | 2026-08 | 4250.69 | 84.03 | 4166.67 | 41666.67 |
| 15 | 2026-09 | 4243.06 | 76.39 | 4166.67 | 37500.00 |
| 16 | 2026-10 | 4235.42 | 68.75 | 4166.67 | 33333.33 |
| 17 | 2026-11 | 4227.78 | 61.11 | 4166.67 | 29166.67 |
| 18 | 2026-12 | 4220.14 | 53.47 | 4166.67 | 25000.00 |
| 19 | 2027-01 | 4212.50 | 45.83 | 4166.67 | 20833.33 |
| 20 | 2027-02 | 4204.86 | 38.19 | 4166.67 | 16666.67 |
| 21 | 2027-03 | 4197.22 | 30.56 | 4166.67 | 12500.00 |
| 22 | 2027-04 | 4189.58 | 22.92 | 4166.67 | 8333.33 |
| 23 | 2027-05 | 4181.94 | 15.28 | 4166.67 | 4166.67 |
| 24 | 2027-06 | 4174.31 | 7.64 | 4166.67 | 0.00 |