重庆贷款120万（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：120万
还款月数：2年6个月
每月还款：41436.55元
利息总额：4.31万
本息合计：124.31万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 41436.55 | 2750.00 | 38686.55 | 1161313.45 |
| 2 | 2025-11 | 41436.55 | 2661.34 | 38775.21 | 1122538.24 |
| 3 | 2025-12 | 41436.55 | 2572.48 | 38864.07 | 1083674.17 |
| 4 | 2026-01 | 41436.55 | 2483.42 | 38953.13 | 1044721.04 |
| 5 | 2026-02 | 41436.55 | 2394.15 | 39042.40 | 1005678.64 |
| 6 | 2026-03 | 41436.55 | 2304.68 | 39131.87 | 966546.77 |
| 7 | 2026-04 | 41436.55 | 2215.00 | 39221.55 | 927325.22 |
| 8 | 2026-05 | 41436.55 | 2125.12 | 39311.43 | 888013.79 |
| 9 | 2026-06 | 41436.55 | 2035.03 | 39401.52 | 848612.27 |
| 10 | 2026-07 | 41436.55 | 1944.74 | 39491.82 | 809120.45 |
| 11 | 2026-08 | 41436.55 | 1854.23 | 39582.32 | 769538.14 |
| 12 | 2026-09 | 41436.55 | 1763.52 | 39673.03 | 729865.11 |
| 13 | 2026-10 | 41436.55 | 1672.61 | 39763.94 | 690101.16 |
| 14 | 2026-11 | 41436.55 | 1581.48 | 39855.07 | 650246.09 |
| 15 | 2026-12 | 41436.55 | 1490.15 | 39946.40 | 610299.69 |
| 16 | 2027-01 | 41436.55 | 1398.60 | 40037.95 | 570261.74 |
| 17 | 2027-02 | 41436.55 | 1306.85 | 40129.70 | 530132.04 |
| 18 | 2027-03 | 41436.55 | 1214.89 | 40221.67 | 489910.37 |
| 19 | 2027-04 | 41436.55 | 1122.71 | 40313.84 | 449596.53 |
| 20 | 2027-05 | 41436.55 | 1030.33 | 40406.23 | 409190.31 |
| 21 | 2027-06 | 41436.55 | 937.73 | 40498.82 | 368691.48 |
| 22 | 2027-07 | 41436.55 | 844.92 | 40591.63 | 328099.85 |
| 23 | 2027-08 | 41436.55 | 751.90 | 40684.66 | 287415.19 |
| 24 | 2027-09 | 41436.55 | 658.66 | 40777.89 | 246637.30 |
| 25 | 2027-10 | 41436.55 | 565.21 | 40871.34 | 205765.96 |
| 26 | 2027-11 | 41436.55 | 471.55 | 40965.00 | 164800.95 |
| 27 | 2027-12 | 41436.55 | 377.67 | 41058.88 | 123742.07 |
| 28 | 2028-01 | 41436.55 | 283.58 | 41152.98 | 82589.10 |
| 29 | 2028-02 | 41436.55 | 189.27 | 41247.29 | 41341.81 |
| 30 | 2028-03 | 41436.55 | 94.74 | 41341.81 | 0.00 |
等额本金还款方式：
贷款总额：120万
还款月数：2年6个月
首月还款：42750元
每月递减：91.67元
利息总额：4.26万
本息合计：124.26万
节省利息：471.55元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 42750.00 | 2750.00 | 40000.00 | 1160000.00 |
| 2 | 2025-11 | 42658.33 | 2658.33 | 40000.00 | 1120000.00 |
| 3 | 2025-12 | 42566.67 | 2566.67 | 40000.00 | 1080000.00 |
| 4 | 2026-01 | 42475.00 | 2475.00 | 40000.00 | 1040000.00 |
| 5 | 2026-02 | 42383.33 | 2383.33 | 40000.00 | 1000000.00 |
| 6 | 2026-03 | 42291.67 | 2291.67 | 40000.00 | 960000.00 |
| 7 | 2026-04 | 42200.00 | 2200.00 | 40000.00 | 920000.00 |
| 8 | 2026-05 | 42108.33 | 2108.33 | 40000.00 | 880000.00 |
| 9 | 2026-06 | 42016.67 | 2016.67 | 40000.00 | 840000.00 |
| 10 | 2026-07 | 41925.00 | 1925.00 | 40000.00 | 800000.00 |
| 11 | 2026-08 | 41833.33 | 1833.33 | 40000.00 | 760000.00 |
| 12 | 2026-09 | 41741.67 | 1741.67 | 40000.00 | 720000.00 |
| 13 | 2026-10 | 41650.00 | 1650.00 | 40000.00 | 680000.00 |
| 14 | 2026-11 | 41558.33 | 1558.33 | 40000.00 | 640000.00 |
| 15 | 2026-12 | 41466.67 | 1466.67 | 40000.00 | 600000.00 |
| 16 | 2027-01 | 41375.00 | 1375.00 | 40000.00 | 560000.00 |
| 17 | 2027-02 | 41283.33 | 1283.33 | 40000.00 | 520000.00 |
| 18 | 2027-03 | 41191.67 | 1191.67 | 40000.00 | 480000.00 |
| 19 | 2027-04 | 41100.00 | 1100.00 | 40000.00 | 440000.00 |
| 20 | 2027-05 | 41008.33 | 1008.33 | 40000.00 | 400000.00 |
| 21 | 2027-06 | 40916.67 | 916.67 | 40000.00 | 360000.00 |
| 22 | 2027-07 | 40825.00 | 825.00 | 40000.00 | 320000.00 |
| 23 | 2027-08 | 40733.33 | 733.33 | 40000.00 | 280000.00 |
| 24 | 2027-09 | 40641.67 | 641.67 | 40000.00 | 240000.00 |
| 25 | 2027-10 | 40550.00 | 550.00 | 40000.00 | 200000.00 |
| 26 | 2027-11 | 40458.33 | 458.33 | 40000.00 | 160000.00 |
| 27 | 2027-12 | 40366.67 | 366.67 | 40000.00 | 120000.00 |
| 28 | 2028-01 | 40275.00 | 275.00 | 40000.00 | 80000.00 |
| 29 | 2028-02 | 40183.33 | 183.33 | 40000.00 | 40000.00 |
| 30 | 2028-03 | 40091.67 | 91.67 | 40000.00 | 0.00 |