贷款157.5万（公积金贷款）房贷，还款2年6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：157.5万
还款月数：2年6个月
每月还款：54732.71元
利息总额：6.7万
本息合计：164.2万
| 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 | 54732.71 | 4265.63 | 50467.09 | 1524532.91 |
| 2 | 2025-09 | 54732.71 | 4128.94 | 50603.77 | 1473929.14 |
| 3 | 2025-10 | 54732.71 | 3991.89 | 50740.82 | 1423188.32 |
| 4 | 2025-11 | 54732.71 | 3854.47 | 50878.25 | 1372310.07 |
| 5 | 2025-12 | 54732.71 | 3716.67 | 51016.04 | 1321294.03 |
| 6 | 2026-01 | 54732.71 | 3578.50 | 51154.21 | 1270139.82 |
| 7 | 2026-02 | 54732.71 | 3439.96 | 51292.75 | 1218847.07 |
| 8 | 2026-03 | 54732.71 | 3301.04 | 51431.67 | 1167415.40 |
| 9 | 2026-04 | 54732.71 | 3161.75 | 51570.96 | 1115844.44 |
| 10 | 2026-05 | 54732.71 | 3022.08 | 51710.64 | 1064133.80 |
| 11 | 2026-06 | 54732.71 | 2882.03 | 51850.68 | 1012283.12 |
| 12 | 2026-07 | 54732.71 | 2741.60 | 51991.11 | 960292.00 |
| 13 | 2026-08 | 54732.71 | 2600.79 | 52131.92 | 908160.08 |
| 14 | 2026-09 | 54732.71 | 2459.60 | 52273.11 | 855886.97 |
| 15 | 2026-10 | 54732.71 | 2318.03 | 52414.69 | 803472.28 |
| 16 | 2026-11 | 54732.71 | 2176.07 | 52556.64 | 750915.64 |
| 17 | 2026-12 | 54732.71 | 2033.73 | 52698.98 | 698216.65 |
| 18 | 2027-01 | 54732.71 | 1891.00 | 52841.71 | 645374.94 |
| 19 | 2027-02 | 54732.71 | 1747.89 | 52984.82 | 592390.12 |
| 20 | 2027-03 | 54732.71 | 1604.39 | 53128.32 | 539261.80 |
| 21 | 2027-04 | 54732.71 | 1460.50 | 53272.21 | 485989.58 |
| 22 | 2027-05 | 54732.71 | 1316.22 | 53416.49 | 432573.09 |
| 23 | 2027-06 | 54732.71 | 1171.55 | 53561.16 | 379011.93 |
| 24 | 2027-07 | 54732.71 | 1026.49 | 53706.22 | 325305.71 |
| 25 | 2027-08 | 54732.71 | 881.04 | 53851.68 | 271454.03 |
| 26 | 2027-09 | 54732.71 | 735.19 | 53997.53 | 217456.50 |
| 27 | 2027-10 | 54732.71 | 588.94 | 54143.77 | 163312.73 |
| 28 | 2027-11 | 54732.71 | 442.31 | 54290.41 | 109022.32 |
| 29 | 2027-12 | 54732.71 | 295.27 | 54437.45 | 54584.88 |
| 30 | 2028-01 | 54732.71 | 147.83 | 54584.88 | 0.00 |
等额本金还款方式：
贷款总额：157.5万
还款月数：2年6个月
首月还款：56765.63元
每月递减：142.19元
利息总额：6.61万
本息合计：164.11万
节省利息：864.23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 | 56765.63 | 4265.63 | 52500.00 | 1522500.00 |
| 2 | 2025-09 | 56623.44 | 4123.44 | 52500.00 | 1470000.00 |
| 3 | 2025-10 | 56481.25 | 3981.25 | 52500.00 | 1417500.00 |
| 4 | 2025-11 | 56339.06 | 3839.06 | 52500.00 | 1365000.00 |
| 5 | 2025-12 | 56196.88 | 3696.88 | 52500.00 | 1312500.00 |
| 6 | 2026-01 | 56054.69 | 3554.69 | 52500.00 | 1260000.00 |
| 7 | 2026-02 | 55912.50 | 3412.50 | 52500.00 | 1207500.00 |
| 8 | 2026-03 | 55770.31 | 3270.31 | 52500.00 | 1155000.00 |
| 9 | 2026-04 | 55628.13 | 3128.13 | 52500.00 | 1102500.00 |
| 10 | 2026-05 | 55485.94 | 2985.94 | 52500.00 | 1050000.00 |
| 11 | 2026-06 | 55343.75 | 2843.75 | 52500.00 | 997500.00 |
| 12 | 2026-07 | 55201.56 | 2701.56 | 52500.00 | 945000.00 |
| 13 | 2026-08 | 55059.38 | 2559.38 | 52500.00 | 892500.00 |
| 14 | 2026-09 | 54917.19 | 2417.19 | 52500.00 | 840000.00 |
| 15 | 2026-10 | 54775.00 | 2275.00 | 52500.00 | 787500.00 |
| 16 | 2026-11 | 54632.81 | 2132.81 | 52500.00 | 735000.00 |
| 17 | 2026-12 | 54490.63 | 1990.63 | 52500.00 | 682500.00 |
| 18 | 2027-01 | 54348.44 | 1848.44 | 52500.00 | 630000.00 |
| 19 | 2027-02 | 54206.25 | 1706.25 | 52500.00 | 577500.00 |
| 20 | 2027-03 | 54064.06 | 1564.06 | 52500.00 | 525000.00 |
| 21 | 2027-04 | 53921.88 | 1421.88 | 52500.00 | 472500.00 |
| 22 | 2027-05 | 53779.69 | 1279.69 | 52500.00 | 420000.00 |
| 23 | 2027-06 | 53637.50 | 1137.50 | 52500.00 | 367500.00 |
| 24 | 2027-07 | 53495.31 | 995.31 | 52500.00 | 315000.00 |
| 25 | 2027-08 | 53353.13 | 853.13 | 52500.00 | 262500.00 |
| 26 | 2027-09 | 53210.94 | 710.94 | 52500.00 | 210000.00 |
| 27 | 2027-10 | 53068.75 | 568.75 | 52500.00 | 157500.00 |
| 28 | 2027-11 | 52926.56 | 426.56 | 52500.00 | 105000.00 |
| 29 | 2027-12 | 52784.38 | 284.38 | 52500.00 | 52500.00 |
| 30 | 2028-01 | 52642.19 | 142.19 | 52500.00 | 0.00 |