贷款122.5万（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：122.5万
还款月数：2年6个月
每月还款：42569.89元
利息总额：5.21万
本息合计：127.71万
| 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 | 42569.89 | 3317.71 | 39252.18 | 1185747.82 |
| 2 | 2025-03 | 42569.89 | 3211.40 | 39358.49 | 1146389.33 |
| 3 | 2025-04 | 42569.89 | 3104.80 | 39465.08 | 1106924.25 |
| 4 | 2025-05 | 42569.89 | 2997.92 | 39571.97 | 1067352.28 |
| 5 | 2025-06 | 42569.89 | 2890.75 | 39679.14 | 1027673.14 |
| 6 | 2025-07 | 42569.89 | 2783.28 | 39786.61 | 987886.53 |
| 7 | 2025-08 | 42569.89 | 2675.53 | 39894.36 | 947992.17 |
| 8 | 2025-09 | 42569.89 | 2567.48 | 40002.41 | 907989.76 |
| 9 | 2025-10 | 42569.89 | 2459.14 | 40110.75 | 867879.01 |
| 10 | 2025-11 | 42569.89 | 2350.51 | 40219.38 | 827659.62 |
| 11 | 2025-12 | 42569.89 | 2241.58 | 40328.31 | 787331.31 |
| 12 | 2026-01 | 42569.89 | 2132.36 | 40437.53 | 746893.78 |
| 13 | 2026-02 | 42569.89 | 2022.84 | 40547.05 | 706346.73 |
| 14 | 2026-03 | 42569.89 | 1913.02 | 40656.87 | 665689.86 |
| 15 | 2026-04 | 42569.89 | 1802.91 | 40766.98 | 624922.88 |
| 16 | 2026-05 | 42569.89 | 1692.50 | 40877.39 | 584045.50 |
| 17 | 2026-06 | 42569.89 | 1581.79 | 40988.10 | 543057.40 |
| 18 | 2026-07 | 42569.89 | 1470.78 | 41099.11 | 501958.29 |
| 19 | 2026-08 | 42569.89 | 1359.47 | 41210.42 | 460747.87 |
| 20 | 2026-09 | 42569.89 | 1247.86 | 41322.03 | 419425.84 |
| 21 | 2026-10 | 42569.89 | 1135.94 | 41433.94 | 377991.90 |
| 22 | 2026-11 | 42569.89 | 1023.73 | 41546.16 | 336445.74 |
| 23 | 2026-12 | 42569.89 | 911.21 | 41658.68 | 294787.06 |
| 24 | 2027-01 | 42569.89 | 798.38 | 41771.51 | 253015.55 |
| 25 | 2027-02 | 42569.89 | 685.25 | 41884.64 | 211130.91 |
| 26 | 2027-03 | 42569.89 | 571.81 | 41998.08 | 169132.84 |
| 27 | 2027-04 | 42569.89 | 458.07 | 42111.82 | 127021.01 |
| 28 | 2027-05 | 42569.89 | 344.02 | 42225.87 | 84795.14 |
| 29 | 2027-06 | 42569.89 | 229.65 | 42340.24 | 42454.91 |
| 30 | 2027-07 | 42569.89 | 114.98 | 42454.91 | 0.00 |
等额本金还款方式：
贷款总额：122.5万
还款月数：2年6个月
首月还款：44151.04元
每月递减：110.59元
利息总额：5.14万
本息合计：127.64万
节省利息：672.18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 | 44151.04 | 3317.71 | 40833.33 | 1184166.67 |
| 2 | 2025-03 | 44040.45 | 3207.12 | 40833.33 | 1143333.33 |
| 3 | 2025-04 | 43929.86 | 3096.53 | 40833.33 | 1102500.00 |
| 4 | 2025-05 | 43819.27 | 2985.94 | 40833.33 | 1061666.67 |
| 5 | 2025-06 | 43708.68 | 2875.35 | 40833.33 | 1020833.33 |
| 6 | 2025-07 | 43598.09 | 2764.76 | 40833.33 | 980000.00 |
| 7 | 2025-08 | 43487.50 | 2654.17 | 40833.33 | 939166.67 |
| 8 | 2025-09 | 43376.91 | 2543.58 | 40833.33 | 898333.33 |
| 9 | 2025-10 | 43266.32 | 2432.99 | 40833.33 | 857500.00 |
| 10 | 2025-11 | 43155.73 | 2322.40 | 40833.33 | 816666.67 |
| 11 | 2025-12 | 43045.14 | 2211.81 | 40833.33 | 775833.33 |
| 12 | 2026-01 | 42934.55 | 2101.22 | 40833.33 | 735000.00 |
| 13 | 2026-02 | 42823.96 | 1990.63 | 40833.33 | 694166.67 |
| 14 | 2026-03 | 42713.37 | 1880.03 | 40833.33 | 653333.33 |
| 15 | 2026-04 | 42602.78 | 1769.44 | 40833.33 | 612500.00 |
| 16 | 2026-05 | 42492.19 | 1658.85 | 40833.33 | 571666.67 |
| 17 | 2026-06 | 42381.60 | 1548.26 | 40833.33 | 530833.33 |
| 18 | 2026-07 | 42271.01 | 1437.67 | 40833.33 | 490000.00 |
| 19 | 2026-08 | 42160.42 | 1327.08 | 40833.33 | 449166.67 |
| 20 | 2026-09 | 42049.83 | 1216.49 | 40833.33 | 408333.33 |
| 21 | 2026-10 | 41939.24 | 1105.90 | 40833.33 | 367500.00 |
| 22 | 2026-11 | 41828.65 | 995.31 | 40833.33 | 326666.67 |
| 23 | 2026-12 | 41718.06 | 884.72 | 40833.33 | 285833.33 |
| 24 | 2027-01 | 41607.47 | 774.13 | 40833.33 | 245000.00 |
| 25 | 2027-02 | 41496.88 | 663.54 | 40833.33 | 204166.67 |
| 26 | 2027-03 | 41386.28 | 552.95 | 40833.33 | 163333.33 |
| 27 | 2027-04 | 41275.69 | 442.36 | 40833.33 | 122500.00 |
| 28 | 2027-05 | 41165.10 | 331.77 | 40833.33 | 81666.67 |
| 29 | 2027-06 | 41054.51 | 221.18 | 40833.33 | 40833.33 |
| 30 | 2027-07 | 40943.92 | 110.59 | 40833.33 | 0.00 |