贷款28万（公积金贷款）房贷，还款3年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：28万
还款月数：3年
每月还款：8173.62元
利息总额：1.43万
本息合计：29.43万
| 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 | 8173.62 | 758.33 | 7415.29 | 272584.71 |
| 2 | 2025-12 | 8173.62 | 738.25 | 7435.37 | 265149.34 |
| 3 | 2026-01 | 8173.62 | 718.11 | 7455.51 | 257693.82 |
| 4 | 2026-02 | 8173.62 | 697.92 | 7475.70 | 250218.12 |
| 5 | 2026-03 | 8173.62 | 677.67 | 7495.95 | 242722.17 |
| 6 | 2026-04 | 8173.62 | 657.37 | 7516.25 | 235205.92 |
| 7 | 2026-05 | 8173.62 | 637.02 | 7536.61 | 227669.31 |
| 8 | 2026-06 | 8173.62 | 616.60 | 7557.02 | 220112.29 |
| 9 | 2026-07 | 8173.62 | 596.14 | 7577.49 | 212534.80 |
| 10 | 2026-08 | 8173.62 | 575.62 | 7598.01 | 204936.79 |
| 11 | 2026-09 | 8173.62 | 555.04 | 7618.59 | 197318.21 |
| 12 | 2026-10 | 8173.62 | 534.40 | 7639.22 | 189678.99 |
| 13 | 2026-11 | 8173.62 | 513.71 | 7659.91 | 182019.08 |
| 14 | 2026-12 | 8173.62 | 492.97 | 7680.66 | 174338.42 |
| 15 | 2027-01 | 8173.62 | 472.17 | 7701.46 | 166636.96 |
| 16 | 2027-02 | 8173.62 | 451.31 | 7722.32 | 158914.65 |
| 17 | 2027-03 | 8173.62 | 430.39 | 7743.23 | 151171.42 |
| 18 | 2027-04 | 8173.62 | 409.42 | 7764.20 | 143407.21 |
| 19 | 2027-05 | 8173.62 | 388.39 | 7785.23 | 135621.98 |
| 20 | 2027-06 | 8173.62 | 367.31 | 7806.31 | 127815.67 |
| 21 | 2027-07 | 8173.62 | 346.17 | 7827.46 | 119988.21 |
| 22 | 2027-08 | 8173.62 | 324.97 | 7848.66 | 112139.56 |
| 23 | 2027-09 | 8173.62 | 303.71 | 7869.91 | 104269.64 |
| 24 | 2027-10 | 8173.62 | 282.40 | 7891.23 | 96378.42 |
| 25 | 2027-11 | 8173.62 | 261.02 | 7912.60 | 88465.82 |
| 26 | 2027-12 | 8173.62 | 239.59 | 7934.03 | 80531.79 |
| 27 | 2028-01 | 8173.62 | 218.11 | 7955.52 | 72576.27 |
| 28 | 2028-02 | 8173.62 | 196.56 | 7977.06 | 64599.21 |
| 29 | 2028-03 | 8173.62 | 174.96 | 7998.67 | 56600.54 |
| 30 | 2028-04 | 8173.62 | 153.29 | 8020.33 | 48580.21 |
| 31 | 2028-05 | 8173.62 | 131.57 | 8042.05 | 40538.15 |
| 32 | 2028-06 | 8173.62 | 109.79 | 8063.83 | 32474.32 |
| 33 | 2028-07 | 8173.62 | 87.95 | 8085.67 | 24388.65 |
| 34 | 2028-08 | 8173.62 | 66.05 | 8107.57 | 16281.08 |
| 35 | 2028-09 | 8173.62 | 44.09 | 8129.53 | 8151.55 |
| 36 | 2028-10 | 8173.62 | 22.08 | 8151.55 | 0.00 |
等额本金还款方式：
贷款总额：28万
还款月数：3年
首月还款：8536.11元
每月递减：21.06元
利息总额：1.4万
本息合计：29.4万
节省利息：221.31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 | 8536.11 | 758.33 | 7777.78 | 272222.22 |
| 2 | 2025-12 | 8515.05 | 737.27 | 7777.78 | 264444.44 |
| 3 | 2026-01 | 8493.98 | 716.20 | 7777.78 | 256666.67 |
| 4 | 2026-02 | 8472.92 | 695.14 | 7777.78 | 248888.89 |
| 5 | 2026-03 | 8451.85 | 674.07 | 7777.78 | 241111.11 |
| 6 | 2026-04 | 8430.79 | 653.01 | 7777.78 | 233333.33 |
| 7 | 2026-05 | 8409.72 | 631.94 | 7777.78 | 225555.56 |
| 8 | 2026-06 | 8388.66 | 610.88 | 7777.78 | 217777.78 |
| 9 | 2026-07 | 8367.59 | 589.81 | 7777.78 | 210000.00 |
| 10 | 2026-08 | 8346.53 | 568.75 | 7777.78 | 202222.22 |
| 11 | 2026-09 | 8325.46 | 547.69 | 7777.78 | 194444.44 |
| 12 | 2026-10 | 8304.40 | 526.62 | 7777.78 | 186666.67 |
| 13 | 2026-11 | 8283.33 | 505.56 | 7777.78 | 178888.89 |
| 14 | 2026-12 | 8262.27 | 484.49 | 7777.78 | 171111.11 |
| 15 | 2027-01 | 8241.20 | 463.43 | 7777.78 | 163333.33 |
| 16 | 2027-02 | 8220.14 | 442.36 | 7777.78 | 155555.56 |
| 17 | 2027-03 | 8199.07 | 421.30 | 7777.78 | 147777.78 |
| 18 | 2027-04 | 8178.01 | 400.23 | 7777.78 | 140000.00 |
| 19 | 2027-05 | 8156.94 | 379.17 | 7777.78 | 132222.22 |
| 20 | 2027-06 | 8135.88 | 358.10 | 7777.78 | 124444.44 |
| 21 | 2027-07 | 8114.81 | 337.04 | 7777.78 | 116666.67 |
| 22 | 2027-08 | 8093.75 | 315.97 | 7777.78 | 108888.89 |
| 23 | 2027-09 | 8072.69 | 294.91 | 7777.78 | 101111.11 |
| 24 | 2027-10 | 8051.62 | 273.84 | 7777.78 | 93333.33 |
| 25 | 2027-11 | 8030.56 | 252.78 | 7777.78 | 85555.56 |
| 26 | 2027-12 | 8009.49 | 231.71 | 7777.78 | 77777.78 |
| 27 | 2028-01 | 7988.43 | 210.65 | 7777.78 | 70000.00 |
| 28 | 2028-02 | 7967.36 | 189.58 | 7777.78 | 62222.22 |
| 29 | 2028-03 | 7946.30 | 168.52 | 7777.78 | 54444.44 |
| 30 | 2028-04 | 7925.23 | 147.45 | 7777.78 | 46666.67 |
| 31 | 2028-05 | 7904.17 | 126.39 | 7777.78 | 38888.89 |
| 32 | 2028-06 | 7883.10 | 105.32 | 7777.78 | 31111.11 |
| 33 | 2028-07 | 7862.04 | 84.26 | 7777.78 | 23333.33 |
| 34 | 2028-08 | 7840.97 | 63.19 | 7777.78 | 15555.56 |
| 35 | 2028-09 | 7819.91 | 42.13 | 7777.78 | 7777.78 |
| 36 | 2028-10 | 7798.84 | 21.06 | 7777.78 | 0.00 |