贷款48.5万（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：48.5万
还款月数：2年6个月
每月还款：16854.2元
利息总额：2.06万
本息合计：50.56万
| 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 | 16854.20 | 1313.54 | 15540.66 | 469459.34 |
| 2 | 2025-12 | 16854.20 | 1271.45 | 15582.75 | 453876.59 |
| 3 | 2026-01 | 16854.20 | 1229.25 | 15624.95 | 438251.64 |
| 4 | 2026-02 | 16854.20 | 1186.93 | 15667.27 | 422584.37 |
| 5 | 2026-03 | 16854.20 | 1144.50 | 15709.70 | 406874.67 |
| 6 | 2026-04 | 16854.20 | 1101.95 | 15752.25 | 391122.42 |
| 7 | 2026-05 | 16854.20 | 1059.29 | 15794.91 | 375327.51 |
| 8 | 2026-06 | 16854.20 | 1016.51 | 15837.69 | 359489.82 |
| 9 | 2026-07 | 16854.20 | 973.62 | 15880.58 | 343609.24 |
| 10 | 2026-08 | 16854.20 | 930.61 | 15923.59 | 327685.65 |
| 11 | 2026-09 | 16854.20 | 887.48 | 15966.72 | 311718.93 |
| 12 | 2026-10 | 16854.20 | 844.24 | 16009.96 | 295708.97 |
| 13 | 2026-11 | 16854.20 | 800.88 | 16053.32 | 279655.64 |
| 14 | 2026-12 | 16854.20 | 757.40 | 16096.80 | 263558.84 |
| 15 | 2027-01 | 16854.20 | 713.81 | 16140.40 | 247418.45 |
| 16 | 2027-02 | 16854.20 | 670.09 | 16184.11 | 231234.34 |
| 17 | 2027-03 | 16854.20 | 626.26 | 16227.94 | 215006.40 |
| 18 | 2027-04 | 16854.20 | 582.31 | 16271.89 | 198734.51 |
| 19 | 2027-05 | 16854.20 | 538.24 | 16315.96 | 182418.54 |
| 20 | 2027-06 | 16854.20 | 494.05 | 16360.15 | 166058.39 |
| 21 | 2027-07 | 16854.20 | 449.74 | 16404.46 | 149653.94 |
| 22 | 2027-08 | 16854.20 | 405.31 | 16448.89 | 133205.05 |
| 23 | 2027-09 | 16854.20 | 360.76 | 16493.44 | 116711.61 |
| 24 | 2027-10 | 16854.20 | 316.09 | 16538.11 | 100173.50 |
| 25 | 2027-11 | 16854.20 | 271.30 | 16582.90 | 83590.61 |
| 26 | 2027-12 | 16854.20 | 226.39 | 16627.81 | 66962.80 |
| 27 | 2028-01 | 16854.20 | 181.36 | 16672.84 | 50289.95 |
| 28 | 2028-02 | 16854.20 | 136.20 | 16718.00 | 33571.95 |
| 29 | 2028-03 | 16854.20 | 90.92 | 16763.28 | 16808.68 |
| 30 | 2028-04 | 16854.20 | 45.52 | 16808.68 | 0.00 |
等额本金还款方式：
贷款总额：48.5万
还款月数：2年6个月
首月还款：17480.21元
每月递减：43.78元
利息总额：2.04万
本息合计：50.54万
节省利息：266.13元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 17480.21 | 1313.54 | 16166.67 | 468833.33 |
| 2 | 2025-12 | 17436.42 | 1269.76 | 16166.67 | 452666.67 |
| 3 | 2026-01 | 17392.64 | 1225.97 | 16166.67 | 436500.00 |
| 4 | 2026-02 | 17348.85 | 1182.19 | 16166.67 | 420333.33 |
| 5 | 2026-03 | 17305.07 | 1138.40 | 16166.67 | 404166.67 |
| 6 | 2026-04 | 17261.28 | 1094.62 | 16166.67 | 388000.00 |
| 7 | 2026-05 | 17217.50 | 1050.83 | 16166.67 | 371833.33 |
| 8 | 2026-06 | 17173.72 | 1007.05 | 16166.67 | 355666.67 |
| 9 | 2026-07 | 17129.93 | 963.26 | 16166.67 | 339500.00 |
| 10 | 2026-08 | 17086.15 | 919.48 | 16166.67 | 323333.33 |
| 11 | 2026-09 | 17042.36 | 875.69 | 16166.67 | 307166.67 |
| 12 | 2026-10 | 16998.58 | 831.91 | 16166.67 | 291000.00 |
| 13 | 2026-11 | 16954.79 | 788.13 | 16166.67 | 274833.33 |
| 14 | 2026-12 | 16911.01 | 744.34 | 16166.67 | 258666.67 |
| 15 | 2027-01 | 16867.22 | 700.56 | 16166.67 | 242500.00 |
| 16 | 2027-02 | 16823.44 | 656.77 | 16166.67 | 226333.33 |
| 17 | 2027-03 | 16779.65 | 612.99 | 16166.67 | 210166.67 |
| 18 | 2027-04 | 16735.87 | 569.20 | 16166.67 | 194000.00 |
| 19 | 2027-05 | 16692.08 | 525.42 | 16166.67 | 177833.33 |
| 20 | 2027-06 | 16648.30 | 481.63 | 16166.67 | 161666.67 |
| 21 | 2027-07 | 16604.51 | 437.85 | 16166.67 | 145500.00 |
| 22 | 2027-08 | 16560.73 | 394.06 | 16166.67 | 129333.33 |
| 23 | 2027-09 | 16516.94 | 350.28 | 16166.67 | 113166.67 |
| 24 | 2027-10 | 16473.16 | 306.49 | 16166.67 | 97000.00 |
| 25 | 2027-11 | 16429.38 | 262.71 | 16166.67 | 80833.33 |
| 26 | 2027-12 | 16385.59 | 218.92 | 16166.67 | 64666.67 |
| 27 | 2028-01 | 16341.81 | 175.14 | 16166.67 | 48500.00 |
| 28 | 2028-02 | 16298.02 | 131.35 | 16166.67 | 32333.33 |
| 29 | 2028-03 | 16254.24 | 87.57 | 16166.67 | 16166.67 |
| 30 | 2028-04 | 16210.45 | 43.78 | 16166.67 | 0.00 |