贷款55万（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：55万
还款月数：2年6个月
每月还款：19113.01元
利息总额：2.34万
本息合计：57.34万
| 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 | 19113.01 | 1489.58 | 17623.43 | 532376.57 |
| 2 | 2025-12 | 19113.01 | 1441.85 | 17671.16 | 514705.41 |
| 3 | 2026-01 | 19113.01 | 1393.99 | 17719.02 | 496986.40 |
| 4 | 2026-02 | 19113.01 | 1346.00 | 17767.01 | 479219.39 |
| 5 | 2026-03 | 19113.01 | 1297.89 | 17815.13 | 461404.27 |
| 6 | 2026-04 | 19113.01 | 1249.64 | 17863.37 | 443540.89 |
| 7 | 2026-05 | 19113.01 | 1201.26 | 17911.75 | 425629.14 |
| 8 | 2026-06 | 19113.01 | 1152.75 | 17960.27 | 407668.87 |
| 9 | 2026-07 | 19113.01 | 1104.10 | 18008.91 | 389659.96 |
| 10 | 2026-08 | 19113.01 | 1055.33 | 18057.68 | 371602.28 |
| 11 | 2026-09 | 19113.01 | 1006.42 | 18106.59 | 353495.69 |
| 12 | 2026-10 | 19113.01 | 957.38 | 18155.63 | 335340.06 |
| 13 | 2026-11 | 19113.01 | 908.21 | 18204.80 | 317135.27 |
| 14 | 2026-12 | 19113.01 | 858.91 | 18254.10 | 298881.16 |
| 15 | 2027-01 | 19113.01 | 809.47 | 18303.54 | 280577.62 |
| 16 | 2027-02 | 19113.01 | 759.90 | 18353.11 | 262224.51 |
| 17 | 2027-03 | 19113.01 | 710.19 | 18402.82 | 243821.69 |
| 18 | 2027-04 | 19113.01 | 660.35 | 18452.66 | 225369.03 |
| 19 | 2027-05 | 19113.01 | 610.37 | 18502.64 | 206866.39 |
| 20 | 2027-06 | 19113.01 | 560.26 | 18552.75 | 188313.64 |
| 21 | 2027-07 | 19113.01 | 510.02 | 18603.00 | 169710.65 |
| 22 | 2027-08 | 19113.01 | 459.63 | 18653.38 | 151057.27 |
| 23 | 2027-09 | 19113.01 | 409.11 | 18703.90 | 132353.37 |
| 24 | 2027-10 | 19113.01 | 358.46 | 18754.55 | 113598.82 |
| 25 | 2027-11 | 19113.01 | 307.66 | 18805.35 | 94793.47 |
| 26 | 2027-12 | 19113.01 | 256.73 | 18856.28 | 75937.19 |
| 27 | 2028-01 | 19113.01 | 205.66 | 18907.35 | 57029.84 |
| 28 | 2028-02 | 19113.01 | 154.46 | 18958.56 | 38071.29 |
| 29 | 2028-03 | 19113.01 | 103.11 | 19009.90 | 19061.39 |
| 30 | 2028-04 | 19113.01 | 51.62 | 19061.39 | 0.00 |
等额本金还款方式：
贷款总额：55万
还款月数：2年6个月
首月还款：19822.92元
每月递减：49.65元
利息总额：2.31万
本息合计：57.31万
节省利息：301.79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 | 19822.92 | 1489.58 | 18333.33 | 531666.67 |
| 2 | 2025-12 | 19773.26 | 1439.93 | 18333.33 | 513333.33 |
| 3 | 2026-01 | 19723.61 | 1390.28 | 18333.33 | 495000.00 |
| 4 | 2026-02 | 19673.96 | 1340.63 | 18333.33 | 476666.67 |
| 5 | 2026-03 | 19624.31 | 1290.97 | 18333.33 | 458333.33 |
| 6 | 2026-04 | 19574.65 | 1241.32 | 18333.33 | 440000.00 |
| 7 | 2026-05 | 19525.00 | 1191.67 | 18333.33 | 421666.67 |
| 8 | 2026-06 | 19475.35 | 1142.01 | 18333.33 | 403333.33 |
| 9 | 2026-07 | 19425.69 | 1092.36 | 18333.33 | 385000.00 |
| 10 | 2026-08 | 19376.04 | 1042.71 | 18333.33 | 366666.67 |
| 11 | 2026-09 | 19326.39 | 993.06 | 18333.33 | 348333.33 |
| 12 | 2026-10 | 19276.74 | 943.40 | 18333.33 | 330000.00 |
| 13 | 2026-11 | 19227.08 | 893.75 | 18333.33 | 311666.67 |
| 14 | 2026-12 | 19177.43 | 844.10 | 18333.33 | 293333.33 |
| 15 | 2027-01 | 19127.78 | 794.44 | 18333.33 | 275000.00 |
| 16 | 2027-02 | 19078.13 | 744.79 | 18333.33 | 256666.67 |
| 17 | 2027-03 | 19028.47 | 695.14 | 18333.33 | 238333.33 |
| 18 | 2027-04 | 18978.82 | 645.49 | 18333.33 | 220000.00 |
| 19 | 2027-05 | 18929.17 | 595.83 | 18333.33 | 201666.67 |
| 20 | 2027-06 | 18879.51 | 546.18 | 18333.33 | 183333.33 |
| 21 | 2027-07 | 18829.86 | 496.53 | 18333.33 | 165000.00 |
| 22 | 2027-08 | 18780.21 | 446.88 | 18333.33 | 146666.67 |
| 23 | 2027-09 | 18730.56 | 397.22 | 18333.33 | 128333.33 |
| 24 | 2027-10 | 18680.90 | 347.57 | 18333.33 | 110000.00 |
| 25 | 2027-11 | 18631.25 | 297.92 | 18333.33 | 91666.67 |
| 26 | 2027-12 | 18581.60 | 248.26 | 18333.33 | 73333.33 |
| 27 | 2028-01 | 18531.94 | 198.61 | 18333.33 | 55000.00 |
| 28 | 2028-02 | 18482.29 | 148.96 | 18333.33 | 36666.67 |
| 29 | 2028-03 | 18432.64 | 99.31 | 18333.33 | 18333.33 |
| 30 | 2028-04 | 18382.99 | 49.65 | 18333.33 | 0.00 |