贷款14.23万（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：14.23万
还款月数：2年6个月
每月还款：4945.39元
利息总额：6052.13元
本息合计：14.84万
| 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 | 4945.39 | 385.42 | 4559.97 | 137749.68 |
| 2 | 2025-03 | 4945.39 | 373.07 | 4572.32 | 133177.36 |
| 3 | 2025-04 | 4945.39 | 360.69 | 4584.70 | 128592.65 |
| 4 | 2025-05 | 4945.39 | 348.27 | 4597.12 | 123995.53 |
| 5 | 2025-06 | 4945.39 | 335.82 | 4609.57 | 119385.96 |
| 6 | 2025-07 | 4945.39 | 323.34 | 4622.06 | 114763.91 |
| 7 | 2025-08 | 4945.39 | 310.82 | 4634.57 | 110129.33 |
| 8 | 2025-09 | 4945.39 | 298.27 | 4647.13 | 105482.21 |
| 9 | 2025-10 | 4945.39 | 285.68 | 4659.71 | 100822.50 |
| 10 | 2025-11 | 4945.39 | 273.06 | 4672.33 | 96150.16 |
| 11 | 2025-12 | 4945.39 | 260.41 | 4684.99 | 91465.18 |
| 12 | 2026-01 | 4945.39 | 247.72 | 4697.67 | 86767.50 |
| 13 | 2026-02 | 4945.39 | 235.00 | 4710.40 | 82057.11 |
| 14 | 2026-03 | 4945.39 | 222.24 | 4723.15 | 77333.95 |
| 15 | 2026-04 | 4945.39 | 209.45 | 4735.95 | 72598.01 |
| 16 | 2026-05 | 4945.39 | 196.62 | 4748.77 | 67849.23 |
| 17 | 2026-06 | 4945.39 | 183.76 | 4761.63 | 63087.60 |
| 18 | 2026-07 | 4945.39 | 170.86 | 4774.53 | 58313.07 |
| 19 | 2026-08 | 4945.39 | 157.93 | 4787.46 | 53525.61 |
| 20 | 2026-09 | 4945.39 | 144.97 | 4800.43 | 48725.18 |
| 21 | 2026-10 | 4945.39 | 131.96 | 4813.43 | 43911.75 |
| 22 | 2026-11 | 4945.39 | 118.93 | 4826.46 | 39085.29 |
| 23 | 2026-12 | 4945.39 | 105.86 | 4839.54 | 34245.75 |
| 24 | 2027-01 | 4945.39 | 92.75 | 4852.64 | 29393.11 |
| 25 | 2027-02 | 4945.39 | 79.61 | 4865.79 | 24527.32 |
| 26 | 2027-03 | 4945.39 | 66.43 | 4878.96 | 19648.35 |
| 27 | 2027-04 | 4945.39 | 53.21 | 4892.18 | 14756.18 |
| 28 | 2027-05 | 4945.39 | 39.96 | 4905.43 | 9850.75 |
| 29 | 2027-06 | 4945.39 | 26.68 | 4918.71 | 4932.04 |
| 30 | 2027-07 | 4945.39 | 13.36 | 4932.04 | 0.00 |
等额本金还款方式：
贷款总额：14.23万
还款月数：2年6个月
首月还款：5129.08元
每月递减：12.85元
利息总额：5974.04元
本息合计：14.83万
节省利息：78.09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 | 5129.08 | 385.42 | 4743.65 | 137565.99 |
| 2 | 2025-03 | 5116.23 | 372.57 | 4743.65 | 132822.34 |
| 3 | 2025-04 | 5103.38 | 359.73 | 4743.65 | 128078.68 |
| 4 | 2025-05 | 5090.53 | 346.88 | 4743.65 | 123335.03 |
| 5 | 2025-06 | 5077.69 | 334.03 | 4743.65 | 118591.38 |
| 6 | 2025-07 | 5064.84 | 321.18 | 4743.65 | 113847.72 |
| 7 | 2025-08 | 5051.99 | 308.34 | 4743.65 | 109104.07 |
| 8 | 2025-09 | 5039.15 | 295.49 | 4743.65 | 104360.41 |
| 9 | 2025-10 | 5026.30 | 282.64 | 4743.65 | 99616.76 |
| 10 | 2025-11 | 5013.45 | 269.80 | 4743.65 | 94873.10 |
| 11 | 2025-12 | 5000.60 | 256.95 | 4743.65 | 90129.45 |
| 12 | 2026-01 | 4987.76 | 244.10 | 4743.65 | 85385.79 |
| 13 | 2026-02 | 4974.91 | 231.25 | 4743.65 | 80642.13 |
| 14 | 2026-03 | 4962.06 | 218.41 | 4743.65 | 75898.48 |
| 15 | 2026-04 | 4949.21 | 205.56 | 4743.65 | 71154.82 |
| 16 | 2026-05 | 4936.37 | 192.71 | 4743.65 | 66411.17 |
| 17 | 2026-06 | 4923.52 | 179.86 | 4743.65 | 61667.51 |
| 18 | 2026-07 | 4910.67 | 167.02 | 4743.65 | 56923.86 |
| 19 | 2026-08 | 4897.82 | 154.17 | 4743.65 | 52180.21 |
| 20 | 2026-09 | 4884.98 | 141.32 | 4743.65 | 47436.55 |
| 21 | 2026-10 | 4872.13 | 128.47 | 4743.65 | 42692.90 |
| 22 | 2026-11 | 4859.28 | 115.63 | 4743.65 | 37949.24 |
| 23 | 2026-12 | 4846.43 | 102.78 | 4743.65 | 33205.59 |
| 24 | 2027-01 | 4833.59 | 89.93 | 4743.65 | 28461.93 |
| 25 | 2027-02 | 4820.74 | 77.08 | 4743.65 | 23718.27 |
| 26 | 2027-03 | 4807.89 | 64.24 | 4743.65 | 18974.62 |
| 27 | 2027-04 | 4795.04 | 51.39 | 4743.65 | 14230.96 |
| 28 | 2027-05 | 4782.20 | 38.54 | 4743.65 | 9487.31 |
| 29 | 2027-06 | 4769.35 | 25.69 | 4743.65 | 4743.65 |
| 30 | 2027-07 | 4756.50 | 12.85 | 4743.65 | 0.00 |