贷款88万（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：88万
还款月数：3年
每月还款：25688.53元
利息总额：4.48万
本息合计：92.48万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 25688.53 | 2383.33 | 23305.20 | 856694.80 |
| 2 | 2025-03 | 25688.53 | 2320.22 | 23368.32 | 833326.48 |
| 3 | 2025-04 | 25688.53 | 2256.93 | 23431.61 | 809894.87 |
| 4 | 2025-05 | 25688.53 | 2193.47 | 23495.07 | 786399.81 |
| 5 | 2025-06 | 25688.53 | 2129.83 | 23558.70 | 762841.11 |
| 6 | 2025-07 | 25688.53 | 2066.03 | 23622.51 | 739218.60 |
| 7 | 2025-08 | 25688.53 | 2002.05 | 23686.48 | 715532.12 |
| 8 | 2025-09 | 25688.53 | 1937.90 | 23750.63 | 691781.48 |
| 9 | 2025-10 | 25688.53 | 1873.57 | 23814.96 | 667966.52 |
| 10 | 2025-11 | 25688.53 | 1809.08 | 23879.46 | 644087.07 |
| 11 | 2025-12 | 25688.53 | 1744.40 | 23944.13 | 620142.94 |
| 12 | 2026-01 | 25688.53 | 1679.55 | 24008.98 | 596133.96 |
| 13 | 2026-02 | 25688.53 | 1614.53 | 24074.00 | 572059.95 |
| 14 | 2026-03 | 25688.53 | 1549.33 | 24139.20 | 547920.75 |
| 15 | 2026-04 | 25688.53 | 1483.95 | 24204.58 | 523716.17 |
| 16 | 2026-05 | 25688.53 | 1418.40 | 24270.14 | 499446.03 |
| 17 | 2026-06 | 25688.53 | 1352.67 | 24335.87 | 475110.16 |
| 18 | 2026-07 | 25688.53 | 1286.76 | 24401.78 | 450708.39 |
| 19 | 2026-08 | 25688.53 | 1220.67 | 24467.86 | 426240.52 |
| 20 | 2026-09 | 25688.53 | 1154.40 | 24534.13 | 401706.39 |
| 21 | 2026-10 | 25688.53 | 1087.95 | 24600.58 | 377105.81 |
| 22 | 2026-11 | 25688.53 | 1021.33 | 24667.21 | 352438.61 |
| 23 | 2026-12 | 25688.53 | 954.52 | 24734.01 | 327704.60 |
| 24 | 2027-01 | 25688.53 | 887.53 | 24801.00 | 302903.59 |
| 25 | 2027-02 | 25688.53 | 820.36 | 24868.17 | 278035.43 |
| 26 | 2027-03 | 25688.53 | 753.01 | 24935.52 | 253099.90 |
| 27 | 2027-04 | 25688.53 | 685.48 | 25003.05 | 228096.85 |
| 28 | 2027-05 | 25688.53 | 617.76 | 25070.77 | 203026.08 |
| 29 | 2027-06 | 25688.53 | 549.86 | 25138.67 | 177887.41 |
| 30 | 2027-07 | 25688.53 | 481.78 | 25206.75 | 152680.65 |
| 31 | 2027-08 | 25688.53 | 413.51 | 25275.02 | 127405.63 |
| 32 | 2027-09 | 25688.53 | 345.06 | 25343.48 | 102062.15 |
| 33 | 2027-10 | 25688.53 | 276.42 | 25412.12 | 76650.04 |
| 34 | 2027-11 | 25688.53 | 207.59 | 25480.94 | 51169.10 |
| 35 | 2027-12 | 25688.53 | 138.58 | 25549.95 | 25619.15 |
| 36 | 2028-01 | 25688.53 | 69.39 | 25619.15 | 0.00 |
等额本金还款方式：
贷款总额：88万
还款月数：3年
首月还款：26827.78元
每月递减：66.2元
利息总额：4.41万
本息合计：92.41万
节省利息：695.54元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 26827.78 | 2383.33 | 24444.44 | 855555.56 |
| 2 | 2025-03 | 26761.57 | 2317.13 | 24444.44 | 831111.11 |
| 3 | 2025-04 | 26695.37 | 2250.93 | 24444.44 | 806666.67 |
| 4 | 2025-05 | 26629.17 | 2184.72 | 24444.44 | 782222.22 |
| 5 | 2025-06 | 26562.96 | 2118.52 | 24444.44 | 757777.78 |
| 6 | 2025-07 | 26496.76 | 2052.31 | 24444.44 | 733333.33 |
| 7 | 2025-08 | 26430.56 | 1986.11 | 24444.44 | 708888.89 |
| 8 | 2025-09 | 26364.35 | 1919.91 | 24444.44 | 684444.44 |
| 9 | 2025-10 | 26298.15 | 1853.70 | 24444.44 | 660000.00 |
| 10 | 2025-11 | 26231.94 | 1787.50 | 24444.44 | 635555.56 |
| 11 | 2025-12 | 26165.74 | 1721.30 | 24444.44 | 611111.11 |
| 12 | 2026-01 | 26099.54 | 1655.09 | 24444.44 | 586666.67 |
| 13 | 2026-02 | 26033.33 | 1588.89 | 24444.44 | 562222.22 |
| 14 | 2026-03 | 25967.13 | 1522.69 | 24444.44 | 537777.78 |
| 15 | 2026-04 | 25900.93 | 1456.48 | 24444.44 | 513333.33 |
| 16 | 2026-05 | 25834.72 | 1390.28 | 24444.44 | 488888.89 |
| 17 | 2026-06 | 25768.52 | 1324.07 | 24444.44 | 464444.44 |
| 18 | 2026-07 | 25702.31 | 1257.87 | 24444.44 | 440000.00 |
| 19 | 2026-08 | 25636.11 | 1191.67 | 24444.44 | 415555.56 |
| 20 | 2026-09 | 25569.91 | 1125.46 | 24444.44 | 391111.11 |
| 21 | 2026-10 | 25503.70 | 1059.26 | 24444.44 | 366666.67 |
| 22 | 2026-11 | 25437.50 | 993.06 | 24444.44 | 342222.22 |
| 23 | 2026-12 | 25371.30 | 926.85 | 24444.44 | 317777.78 |
| 24 | 2027-01 | 25305.09 | 860.65 | 24444.44 | 293333.33 |
| 25 | 2027-02 | 25238.89 | 794.44 | 24444.44 | 268888.89 |
| 26 | 2027-03 | 25172.69 | 728.24 | 24444.44 | 244444.44 |
| 27 | 2027-04 | 25106.48 | 662.04 | 24444.44 | 220000.00 |
| 28 | 2027-05 | 25040.28 | 595.83 | 24444.44 | 195555.56 |
| 29 | 2027-06 | 24974.07 | 529.63 | 24444.44 | 171111.11 |
| 30 | 2027-07 | 24907.87 | 463.43 | 24444.44 | 146666.67 |
| 31 | 2027-08 | 24841.67 | 397.22 | 24444.44 | 122222.22 |
| 32 | 2027-09 | 24775.46 | 331.02 | 24444.44 | 97777.78 |
| 33 | 2027-10 | 24709.26 | 264.81 | 24444.44 | 73333.33 |
| 34 | 2027-11 | 24643.06 | 198.61 | 24444.44 | 48888.89 |
| 35 | 2027-12 | 24576.85 | 132.41 | 24444.44 | 24444.44 |
| 36 | 2028-01 | 24510.65 | 66.20 | 24444.44 | 0.00 |