贷款7.96万（公积金贷款）房贷，还款3年11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：7.96万
还款月数：3年11个月
每月还款：1806.96元
利息总额：5284.11元
本息合计：8.49万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 1806.96 | 215.70 | 1591.26 | 78051.74 |
| 2 | 2024-12 | 1806.96 | 211.39 | 1595.57 | 76456.17 |
| 3 | 2025-01 | 1806.96 | 207.07 | 1599.89 | 74856.28 |
| 4 | 2025-02 | 1806.96 | 202.74 | 1604.22 | 73252.06 |
| 5 | 2025-03 | 1806.96 | 198.39 | 1608.57 | 71643.49 |
| 6 | 2025-04 | 1806.96 | 194.03 | 1612.93 | 70030.56 |
| 7 | 2025-05 | 1806.96 | 189.67 | 1617.29 | 68413.27 |
| 8 | 2025-06 | 1806.96 | 185.29 | 1621.67 | 66791.59 |
| 9 | 2025-07 | 1806.96 | 180.89 | 1626.07 | 65165.53 |
| 10 | 2025-08 | 1806.96 | 176.49 | 1630.47 | 63535.06 |
| 11 | 2025-09 | 1806.96 | 172.07 | 1634.89 | 61900.17 |
| 12 | 2025-10 | 1806.96 | 167.65 | 1639.31 | 60260.86 |
| 13 | 2025-11 | 1806.96 | 163.21 | 1643.75 | 58617.11 |
| 14 | 2025-12 | 1806.96 | 158.75 | 1648.21 | 56968.90 |
| 15 | 2026-01 | 1806.96 | 154.29 | 1652.67 | 55316.23 |
| 16 | 2026-02 | 1806.96 | 149.81 | 1657.15 | 53659.09 |
| 17 | 2026-03 | 1806.96 | 145.33 | 1661.63 | 51997.45 |
| 18 | 2026-04 | 1806.96 | 140.83 | 1666.13 | 50331.32 |
| 19 | 2026-05 | 1806.96 | 136.31 | 1670.65 | 48660.67 |
| 20 | 2026-06 | 1806.96 | 131.79 | 1675.17 | 46985.50 |
| 21 | 2026-07 | 1806.96 | 127.25 | 1679.71 | 45305.80 |
| 22 | 2026-08 | 1806.96 | 122.70 | 1684.26 | 43621.54 |
| 23 | 2026-09 | 1806.96 | 118.14 | 1688.82 | 41932.72 |
| 24 | 2026-10 | 1806.96 | 113.57 | 1693.39 | 40239.33 |
| 25 | 2026-11 | 1806.96 | 108.98 | 1697.98 | 38541.35 |
| 26 | 2026-12 | 1806.96 | 104.38 | 1702.58 | 36838.77 |
| 27 | 2027-01 | 1806.96 | 99.77 | 1707.19 | 35131.59 |
| 28 | 2027-02 | 1806.96 | 95.15 | 1711.81 | 33419.77 |
| 29 | 2027-03 | 1806.96 | 90.51 | 1716.45 | 31703.33 |
| 30 | 2027-04 | 1806.96 | 85.86 | 1721.10 | 29982.23 |
| 31 | 2027-05 | 1806.96 | 81.20 | 1725.76 | 28256.47 |
| 32 | 2027-06 | 1806.96 | 76.53 | 1730.43 | 26526.04 |
| 33 | 2027-07 | 1806.96 | 71.84 | 1735.12 | 24790.92 |
| 34 | 2027-08 | 1806.96 | 67.14 | 1739.82 | 23051.10 |
| 35 | 2027-09 | 1806.96 | 62.43 | 1744.53 | 21306.57 |
| 36 | 2027-10 | 1806.96 | 57.71 | 1749.25 | 19557.32 |
| 37 | 2027-11 | 1806.96 | 52.97 | 1753.99 | 17803.33 |
| 38 | 2027-12 | 1806.96 | 48.22 | 1758.74 | 16044.58 |
| 39 | 2028-01 | 1806.96 | 43.45 | 1763.51 | 14281.08 |
| 40 | 2028-02 | 1806.96 | 38.68 | 1768.28 | 12512.80 |
| 41 | 2028-03 | 1806.96 | 33.89 | 1773.07 | 10739.73 |
| 42 | 2028-04 | 1806.96 | 29.09 | 1777.87 | 8961.85 |
| 43 | 2028-05 | 1806.96 | 24.27 | 1782.69 | 7179.16 |
| 44 | 2028-06 | 1806.96 | 19.44 | 1787.52 | 5391.65 |
| 45 | 2028-07 | 1806.96 | 14.60 | 1792.36 | 3599.29 |
| 46 | 2028-08 | 1806.96 | 9.75 | 1797.21 | 1802.08 |
| 47 | 2028-09 | 1806.96 | 4.88 | 1802.08 | 0.00 |
等额本金还款方式：
贷款总额：7.96万
还款月数：3年11个月
首月还款：1910.23元
每月递减：4.59元
利息总额：5176.79元
本息合计：8.48万
节省利息：107.32元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 1910.23 | 215.70 | 1694.53 | 77948.47 |
| 2 | 2024-12 | 1905.64 | 211.11 | 1694.53 | 76253.94 |
| 3 | 2025-01 | 1901.05 | 206.52 | 1694.53 | 74559.40 |
| 4 | 2025-02 | 1896.46 | 201.93 | 1694.53 | 72864.87 |
| 5 | 2025-03 | 1891.87 | 197.34 | 1694.53 | 71170.34 |
| 6 | 2025-04 | 1887.28 | 192.75 | 1694.53 | 69475.81 |
| 7 | 2025-05 | 1882.70 | 188.16 | 1694.53 | 67781.28 |
| 8 | 2025-06 | 1878.11 | 183.57 | 1694.53 | 66086.74 |
| 9 | 2025-07 | 1873.52 | 178.98 | 1694.53 | 64392.21 |
| 10 | 2025-08 | 1868.93 | 174.40 | 1694.53 | 62697.68 |
| 11 | 2025-09 | 1864.34 | 169.81 | 1694.53 | 61003.15 |
| 12 | 2025-10 | 1859.75 | 165.22 | 1694.53 | 59308.62 |
| 13 | 2025-11 | 1855.16 | 160.63 | 1694.53 | 57614.09 |
| 14 | 2025-12 | 1850.57 | 156.04 | 1694.53 | 55919.55 |
| 15 | 2026-01 | 1845.98 | 151.45 | 1694.53 | 54225.02 |
| 16 | 2026-02 | 1841.39 | 146.86 | 1694.53 | 52530.49 |
| 17 | 2026-03 | 1836.80 | 142.27 | 1694.53 | 50835.96 |
| 18 | 2026-04 | 1832.21 | 137.68 | 1694.53 | 49141.43 |
| 19 | 2026-05 | 1827.62 | 133.09 | 1694.53 | 47446.89 |
| 20 | 2026-06 | 1823.03 | 128.50 | 1694.53 | 45752.36 |
| 21 | 2026-07 | 1818.44 | 123.91 | 1694.53 | 44057.83 |
| 22 | 2026-08 | 1813.86 | 119.32 | 1694.53 | 42363.30 |
| 23 | 2026-09 | 1809.27 | 114.73 | 1694.53 | 40668.77 |
| 24 | 2026-10 | 1804.68 | 110.14 | 1694.53 | 38974.23 |
| 25 | 2026-11 | 1800.09 | 105.56 | 1694.53 | 37279.70 |
| 26 | 2026-12 | 1795.50 | 100.97 | 1694.53 | 35585.17 |
| 27 | 2027-01 | 1790.91 | 96.38 | 1694.53 | 33890.64 |
| 28 | 2027-02 | 1786.32 | 91.79 | 1694.53 | 32196.11 |
| 29 | 2027-03 | 1781.73 | 87.20 | 1694.53 | 30501.57 |
| 30 | 2027-04 | 1777.14 | 82.61 | 1694.53 | 28807.04 |
| 31 | 2027-05 | 1772.55 | 78.02 | 1694.53 | 27112.51 |
| 32 | 2027-06 | 1767.96 | 73.43 | 1694.53 | 25417.98 |
| 33 | 2027-07 | 1763.37 | 68.84 | 1694.53 | 23723.45 |
| 34 | 2027-08 | 1758.78 | 64.25 | 1694.53 | 22028.91 |
| 35 | 2027-09 | 1754.19 | 59.66 | 1694.53 | 20334.38 |
| 36 | 2027-10 | 1749.60 | 55.07 | 1694.53 | 18639.85 |
| 37 | 2027-11 | 1745.01 | 50.48 | 1694.53 | 16945.32 |
| 38 | 2027-12 | 1740.43 | 45.89 | 1694.53 | 15250.79 |
| 39 | 2028-01 | 1735.84 | 41.30 | 1694.53 | 13556.26 |
| 40 | 2028-02 | 1731.25 | 36.71 | 1694.53 | 11861.72 |
| 41 | 2028-03 | 1726.66 | 32.13 | 1694.53 | 10167.19 |
| 42 | 2028-04 | 1722.07 | 27.54 | 1694.53 | 8472.66 |
| 43 | 2028-05 | 1717.48 | 22.95 | 1694.53 | 6778.13 |
| 44 | 2028-06 | 1712.89 | 18.36 | 1694.53 | 5083.60 |
| 45 | 2028-07 | 1708.30 | 13.77 | 1694.53 | 3389.06 |
| 46 | 2028-08 | 1703.71 | 9.18 | 1694.53 | 1694.53 |
| 47 | 2028-09 | 1699.12 | 4.59 | 1694.53 | 0.00 |