贷款11万（公积金贷款）房贷，还款3年4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：11万
还款月数：3年4个月
每月还款：2905.37元
利息总额：6214.64元
本息合计：11.62万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 2905.37 | 297.92 | 2607.45 | 107392.55 |
| 2 | 2025-02 | 2905.37 | 290.85 | 2614.51 | 104778.04 |
| 3 | 2025-03 | 2905.37 | 283.77 | 2621.59 | 102156.45 |
| 4 | 2025-04 | 2905.37 | 276.67 | 2628.69 | 99527.76 |
| 5 | 2025-05 | 2905.37 | 269.55 | 2635.81 | 96891.94 |
| 6 | 2025-06 | 2905.37 | 262.42 | 2642.95 | 94248.99 |
| 7 | 2025-07 | 2905.37 | 255.26 | 2650.11 | 91598.88 |
| 8 | 2025-08 | 2905.37 | 248.08 | 2657.29 | 88941.60 |
| 9 | 2025-09 | 2905.37 | 240.88 | 2664.48 | 86277.12 |
| 10 | 2025-10 | 2905.37 | 233.67 | 2671.70 | 83605.42 |
| 11 | 2025-11 | 2905.37 | 226.43 | 2678.93 | 80926.48 |
| 12 | 2025-12 | 2905.37 | 219.18 | 2686.19 | 78240.29 |
| 13 | 2026-01 | 2905.37 | 211.90 | 2693.47 | 75546.83 |
| 14 | 2026-02 | 2905.37 | 204.61 | 2700.76 | 72846.07 |
| 15 | 2026-03 | 2905.37 | 197.29 | 2708.07 | 70137.99 |
| 16 | 2026-04 | 2905.37 | 189.96 | 2715.41 | 67422.58 |
| 17 | 2026-05 | 2905.37 | 182.60 | 2722.76 | 64699.82 |
| 18 | 2026-06 | 2905.37 | 175.23 | 2730.14 | 61969.68 |
| 19 | 2026-07 | 2905.37 | 167.83 | 2737.53 | 59232.15 |
| 20 | 2026-08 | 2905.37 | 160.42 | 2744.95 | 56487.21 |
| 21 | 2026-09 | 2905.37 | 152.99 | 2752.38 | 53734.83 |
| 22 | 2026-10 | 2905.37 | 145.53 | 2759.83 | 50974.99 |
| 23 | 2026-11 | 2905.37 | 138.06 | 2767.31 | 48207.68 |
| 24 | 2026-12 | 2905.37 | 130.56 | 2774.80 | 45432.88 |
| 25 | 2027-01 | 2905.37 | 123.05 | 2782.32 | 42650.56 |
| 26 | 2027-02 | 2905.37 | 115.51 | 2789.85 | 39860.71 |
| 27 | 2027-03 | 2905.37 | 107.96 | 2797.41 | 37063.30 |
| 28 | 2027-04 | 2905.37 | 100.38 | 2804.99 | 34258.31 |
| 29 | 2027-05 | 2905.37 | 92.78 | 2812.58 | 31445.73 |
| 30 | 2027-06 | 2905.37 | 85.17 | 2820.20 | 28625.53 |
| 31 | 2027-07 | 2905.37 | 77.53 | 2827.84 | 25797.69 |
| 32 | 2027-08 | 2905.37 | 69.87 | 2835.50 | 22962.19 |
| 33 | 2027-09 | 2905.37 | 62.19 | 2843.18 | 20119.02 |
| 34 | 2027-10 | 2905.37 | 54.49 | 2850.88 | 17268.14 |
| 35 | 2027-11 | 2905.37 | 46.77 | 2858.60 | 14409.54 |
| 36 | 2027-12 | 2905.37 | 39.03 | 2866.34 | 11543.20 |
| 37 | 2028-01 | 2905.37 | 31.26 | 2874.10 | 8669.10 |
| 38 | 2028-02 | 2905.37 | 23.48 | 2881.89 | 5787.21 |
| 39 | 2028-03 | 2905.37 | 15.67 | 2889.69 | 2897.52 |
| 40 | 2028-04 | 2905.37 | 7.85 | 2897.52 | 0.00 |
等额本金还款方式：
贷款总额：11万
还款月数：3年4个月
首月还款：3047.92元
每月递减：7.45元
利息总额：6107.29元
本息合计：11.61万
节省利息：107.35元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 3047.92 | 297.92 | 2750.00 | 107250.00 |
| 2 | 2025-02 | 3040.47 | 290.47 | 2750.00 | 104500.00 |
| 3 | 2025-03 | 3033.02 | 283.02 | 2750.00 | 101750.00 |
| 4 | 2025-04 | 3025.57 | 275.57 | 2750.00 | 99000.00 |
| 5 | 2025-05 | 3018.13 | 268.13 | 2750.00 | 96250.00 |
| 6 | 2025-06 | 3010.68 | 260.68 | 2750.00 | 93500.00 |
| 7 | 2025-07 | 3003.23 | 253.23 | 2750.00 | 90750.00 |
| 8 | 2025-08 | 2995.78 | 245.78 | 2750.00 | 88000.00 |
| 9 | 2025-09 | 2988.33 | 238.33 | 2750.00 | 85250.00 |
| 10 | 2025-10 | 2980.89 | 230.89 | 2750.00 | 82500.00 |
| 11 | 2025-11 | 2973.44 | 223.44 | 2750.00 | 79750.00 |
| 12 | 2025-12 | 2965.99 | 215.99 | 2750.00 | 77000.00 |
| 13 | 2026-01 | 2958.54 | 208.54 | 2750.00 | 74250.00 |
| 14 | 2026-02 | 2951.09 | 201.09 | 2750.00 | 71500.00 |
| 15 | 2026-03 | 2943.65 | 193.65 | 2750.00 | 68750.00 |
| 16 | 2026-04 | 2936.20 | 186.20 | 2750.00 | 66000.00 |
| 17 | 2026-05 | 2928.75 | 178.75 | 2750.00 | 63250.00 |
| 18 | 2026-06 | 2921.30 | 171.30 | 2750.00 | 60500.00 |
| 19 | 2026-07 | 2913.85 | 163.85 | 2750.00 | 57750.00 |
| 20 | 2026-08 | 2906.41 | 156.41 | 2750.00 | 55000.00 |
| 21 | 2026-09 | 2898.96 | 148.96 | 2750.00 | 52250.00 |
| 22 | 2026-10 | 2891.51 | 141.51 | 2750.00 | 49500.00 |
| 23 | 2026-11 | 2884.06 | 134.06 | 2750.00 | 46750.00 |
| 24 | 2026-12 | 2876.61 | 126.61 | 2750.00 | 44000.00 |
| 25 | 2027-01 | 2869.17 | 119.17 | 2750.00 | 41250.00 |
| 26 | 2027-02 | 2861.72 | 111.72 | 2750.00 | 38500.00 |
| 27 | 2027-03 | 2854.27 | 104.27 | 2750.00 | 35750.00 |
| 28 | 2027-04 | 2846.82 | 96.82 | 2750.00 | 33000.00 |
| 29 | 2027-05 | 2839.38 | 89.38 | 2750.00 | 30250.00 |
| 30 | 2027-06 | 2831.93 | 81.93 | 2750.00 | 27500.00 |
| 31 | 2027-07 | 2824.48 | 74.48 | 2750.00 | 24750.00 |
| 32 | 2027-08 | 2817.03 | 67.03 | 2750.00 | 22000.00 |
| 33 | 2027-09 | 2809.58 | 59.58 | 2750.00 | 19250.00 |
| 34 | 2027-10 | 2802.14 | 52.14 | 2750.00 | 16500.00 |
| 35 | 2027-11 | 2794.69 | 44.69 | 2750.00 | 13750.00 |
| 36 | 2027-12 | 2787.24 | 37.24 | 2750.00 | 11000.00 |
| 37 | 2028-01 | 2779.79 | 29.79 | 2750.00 | 8250.00 |
| 38 | 2028-02 | 2772.34 | 22.34 | 2750.00 | 5500.00 |
| 39 | 2028-03 | 2764.90 | 14.90 | 2750.00 | 2750.00 |
| 40 | 2028-04 | 2757.45 | 7.45 | 2750.00 | 0.00 |