盐城贷款12.59万（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：12.59万
还款月数：2年6个月
每月还款：4352.37元
利息总额：4687.23元
本息合计：13.06万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 4352.37 | 298.97 | 4053.40 | 121830.60 |
| 2 | 2025-10 | 4352.37 | 289.35 | 4063.03 | 117767.57 |
| 3 | 2025-11 | 4352.37 | 279.70 | 4072.68 | 113694.90 |
| 4 | 2025-12 | 4352.37 | 270.03 | 4082.35 | 109612.55 |
| 5 | 2026-01 | 4352.37 | 260.33 | 4092.04 | 105520.50 |
| 6 | 2026-02 | 4352.37 | 250.61 | 4101.76 | 101418.74 |
| 7 | 2026-03 | 4352.37 | 240.87 | 4111.50 | 97307.24 |
| 8 | 2026-04 | 4352.37 | 231.10 | 4121.27 | 93185.97 |
| 9 | 2026-05 | 4352.37 | 221.32 | 4131.06 | 89054.91 |
| 10 | 2026-06 | 4352.37 | 211.51 | 4140.87 | 84914.04 |
| 11 | 2026-07 | 4352.37 | 201.67 | 4150.70 | 80763.33 |
| 12 | 2026-08 | 4352.37 | 191.81 | 4160.56 | 76602.77 |
| 13 | 2026-09 | 4352.37 | 181.93 | 4170.44 | 72432.33 |
| 14 | 2026-10 | 4352.37 | 172.03 | 4180.35 | 68251.98 |
| 15 | 2026-11 | 4352.37 | 162.10 | 4190.28 | 64061.71 |
| 16 | 2026-12 | 4352.37 | 152.15 | 4200.23 | 59861.48 |
| 17 | 2027-01 | 4352.37 | 142.17 | 4210.20 | 55651.28 |
| 18 | 2027-02 | 4352.37 | 132.17 | 4220.20 | 51431.07 |
| 19 | 2027-03 | 4352.37 | 122.15 | 4230.23 | 47200.85 |
| 20 | 2027-04 | 4352.37 | 112.10 | 4240.27 | 42960.57 |
| 21 | 2027-05 | 4352.37 | 102.03 | 4250.34 | 38710.23 |
| 22 | 2027-06 | 4352.37 | 91.94 | 4260.44 | 34449.79 |
| 23 | 2027-07 | 4352.37 | 81.82 | 4270.56 | 30179.24 |
| 24 | 2027-08 | 4352.37 | 71.68 | 4280.70 | 25898.54 |
| 25 | 2027-09 | 4352.37 | 61.51 | 4290.87 | 21607.67 |
| 26 | 2027-10 | 4352.37 | 51.32 | 4301.06 | 17306.62 |
| 27 | 2027-11 | 4352.37 | 41.10 | 4311.27 | 12995.35 |
| 28 | 2027-12 | 4352.37 | 30.86 | 4321.51 | 8673.84 |
| 29 | 2028-01 | 4352.37 | 20.60 | 4331.77 | 4342.06 |
| 30 | 2028-02 | 4352.37 | 10.31 | 4342.06 | 0.00 |
等额本金还款方式：
贷款总额：12.59万
还款月数：2年6个月
首月还款：4495.11元
每月递减：9.97元
利息总额：4634.1元
本息合计：13.05万
节省利息：53.13元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 4495.11 | 298.97 | 4196.13 | 121687.87 |
| 2 | 2025-10 | 4485.14 | 289.01 | 4196.13 | 117491.73 |
| 3 | 2025-11 | 4475.18 | 279.04 | 4196.13 | 113295.60 |
| 4 | 2025-12 | 4465.21 | 269.08 | 4196.13 | 109099.47 |
| 5 | 2026-01 | 4455.24 | 259.11 | 4196.13 | 104903.33 |
| 6 | 2026-02 | 4445.28 | 249.15 | 4196.13 | 100707.20 |
| 7 | 2026-03 | 4435.31 | 239.18 | 4196.13 | 96511.07 |
| 8 | 2026-04 | 4425.35 | 229.21 | 4196.13 | 92314.93 |
| 9 | 2026-05 | 4415.38 | 219.25 | 4196.13 | 88118.80 |
| 10 | 2026-06 | 4405.42 | 209.28 | 4196.13 | 83922.67 |
| 11 | 2026-07 | 4395.45 | 199.32 | 4196.13 | 79726.53 |
| 12 | 2026-08 | 4385.48 | 189.35 | 4196.13 | 75530.40 |
| 13 | 2026-09 | 4375.52 | 179.38 | 4196.13 | 71334.27 |
| 14 | 2026-10 | 4365.55 | 169.42 | 4196.13 | 67138.13 |
| 15 | 2026-11 | 4355.59 | 159.45 | 4196.13 | 62942.00 |
| 16 | 2026-12 | 4345.62 | 149.49 | 4196.13 | 58745.87 |
| 17 | 2027-01 | 4335.65 | 139.52 | 4196.13 | 54549.73 |
| 18 | 2027-02 | 4325.69 | 129.56 | 4196.13 | 50353.60 |
| 19 | 2027-03 | 4315.72 | 119.59 | 4196.13 | 46157.47 |
| 20 | 2027-04 | 4305.76 | 109.62 | 4196.13 | 41961.33 |
| 21 | 2027-05 | 4295.79 | 99.66 | 4196.13 | 37765.20 |
| 22 | 2027-06 | 4285.83 | 89.69 | 4196.13 | 33569.07 |
| 23 | 2027-07 | 4275.86 | 79.73 | 4196.13 | 29372.93 |
| 24 | 2027-08 | 4265.89 | 69.76 | 4196.13 | 25176.80 |
| 25 | 2027-09 | 4255.93 | 59.79 | 4196.13 | 20980.67 |
| 26 | 2027-10 | 4245.96 | 49.83 | 4196.13 | 16784.53 |
| 27 | 2027-11 | 4236.00 | 39.86 | 4196.13 | 12588.40 |
| 28 | 2027-12 | 4226.03 | 29.90 | 4196.13 | 8392.27 |
| 29 | 2028-01 | 4216.06 | 19.93 | 4196.13 | 4196.13 |
| 30 | 2028-02 | 4206.10 | 9.97 | 4196.13 | 0.00 |