贷款15.54万（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：15.54万
还款月数：2年6个月
每月还款：5320.92元
利息总额：4250.23元
本息合计：15.96万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 5320.92 | 271.91 | 5049.01 | 150328.35 |
| 2 | 2025-12 | 5320.92 | 263.07 | 5057.84 | 145270.51 |
| 3 | 2026-01 | 5320.92 | 254.22 | 5066.70 | 140203.81 |
| 4 | 2026-02 | 5320.92 | 245.36 | 5075.56 | 135128.25 |
| 5 | 2026-03 | 5320.92 | 236.47 | 5084.45 | 130043.80 |
| 6 | 2026-04 | 5320.92 | 227.58 | 5093.34 | 124950.46 |
| 7 | 2026-05 | 5320.92 | 218.66 | 5102.26 | 119848.20 |
| 8 | 2026-06 | 5320.92 | 209.73 | 5111.19 | 114737.02 |
| 9 | 2026-07 | 5320.92 | 200.79 | 5120.13 | 109616.89 |
| 10 | 2026-08 | 5320.92 | 191.83 | 5129.09 | 104487.80 |
| 11 | 2026-09 | 5320.92 | 182.85 | 5138.07 | 99349.73 |
| 12 | 2026-10 | 5320.92 | 173.86 | 5147.06 | 94202.67 |
| 13 | 2026-11 | 5320.92 | 164.85 | 5156.06 | 89046.61 |
| 14 | 2026-12 | 5320.92 | 155.83 | 5165.09 | 83881.52 |
| 15 | 2027-01 | 5320.92 | 146.79 | 5174.13 | 78707.39 |
| 16 | 2027-02 | 5320.92 | 137.74 | 5183.18 | 73524.21 |
| 17 | 2027-03 | 5320.92 | 128.67 | 5192.25 | 68331.96 |
| 18 | 2027-04 | 5320.92 | 119.58 | 5201.34 | 63130.62 |
| 19 | 2027-05 | 5320.92 | 110.48 | 5210.44 | 57920.18 |
| 20 | 2027-06 | 5320.92 | 101.36 | 5219.56 | 52700.62 |
| 21 | 2027-07 | 5320.92 | 92.23 | 5228.69 | 47471.93 |
| 22 | 2027-08 | 5320.92 | 83.08 | 5237.84 | 42234.08 |
| 23 | 2027-09 | 5320.92 | 73.91 | 5247.01 | 36987.07 |
| 24 | 2027-10 | 5320.92 | 64.73 | 5256.19 | 31730.88 |
| 25 | 2027-11 | 5320.92 | 55.53 | 5265.39 | 26465.49 |
| 26 | 2027-12 | 5320.92 | 46.31 | 5274.60 | 21190.89 |
| 27 | 2028-01 | 5320.92 | 37.08 | 5283.84 | 15907.05 |
| 28 | 2028-02 | 5320.92 | 27.84 | 5293.08 | 10613.97 |
| 29 | 2028-03 | 5320.92 | 18.57 | 5302.35 | 5311.62 |
| 30 | 2028-04 | 5320.92 | 9.30 | 5311.62 | 0.00 |
等额本金还款方式：
贷款总额：15.54万
还款月数：2年6个月
首月还款：5451.16元
每月递减：9.06元
利息总额：4214.61元
本息合计：15.96万
节省利息：35.62元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 5451.16 | 271.91 | 5179.25 | 150198.11 |
| 2 | 2025-12 | 5442.09 | 262.85 | 5179.25 | 145018.87 |
| 3 | 2026-01 | 5433.03 | 253.78 | 5179.25 | 139839.62 |
| 4 | 2026-02 | 5423.96 | 244.72 | 5179.25 | 134660.38 |
| 5 | 2026-03 | 5414.90 | 235.66 | 5179.25 | 129481.13 |
| 6 | 2026-04 | 5405.84 | 226.59 | 5179.25 | 124301.89 |
| 7 | 2026-05 | 5396.77 | 217.53 | 5179.25 | 119122.64 |
| 8 | 2026-06 | 5387.71 | 208.46 | 5179.25 | 113943.40 |
| 9 | 2026-07 | 5378.65 | 199.40 | 5179.25 | 108764.15 |
| 10 | 2026-08 | 5369.58 | 190.34 | 5179.25 | 103584.91 |
| 11 | 2026-09 | 5360.52 | 181.27 | 5179.25 | 98405.66 |
| 12 | 2026-10 | 5351.46 | 172.21 | 5179.25 | 93226.42 |
| 13 | 2026-11 | 5342.39 | 163.15 | 5179.25 | 88047.17 |
| 14 | 2026-12 | 5333.33 | 154.08 | 5179.25 | 82867.93 |
| 15 | 2027-01 | 5324.26 | 145.02 | 5179.25 | 77688.68 |
| 16 | 2027-02 | 5315.20 | 135.96 | 5179.25 | 72509.43 |
| 17 | 2027-03 | 5306.14 | 126.89 | 5179.25 | 67330.19 |
| 18 | 2027-04 | 5297.07 | 117.83 | 5179.25 | 62150.94 |
| 19 | 2027-05 | 5288.01 | 108.76 | 5179.25 | 56971.70 |
| 20 | 2027-06 | 5278.95 | 99.70 | 5179.25 | 51792.45 |
| 21 | 2027-07 | 5269.88 | 90.64 | 5179.25 | 46613.21 |
| 22 | 2027-08 | 5260.82 | 81.57 | 5179.25 | 41433.96 |
| 23 | 2027-09 | 5251.75 | 72.51 | 5179.25 | 36254.72 |
| 24 | 2027-10 | 5242.69 | 63.45 | 5179.25 | 31075.47 |
| 25 | 2027-11 | 5233.63 | 54.38 | 5179.25 | 25896.23 |
| 26 | 2027-12 | 5224.56 | 45.32 | 5179.25 | 20716.98 |
| 27 | 2028-01 | 5215.50 | 36.25 | 5179.25 | 15537.74 |
| 28 | 2028-02 | 5206.44 | 27.19 | 5179.25 | 10358.49 |
| 29 | 2028-03 | 5197.37 | 18.13 | 5179.25 | 5179.25 |
| 30 | 2028-04 | 5188.31 | 9.06 | 5179.25 | 0.00 |