贷款81万（公积金贷款）房贷，还款1年7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：81万
还款月数：1年7个月
每月还款：43525.28元
利息总额：1.7万
本息合计：82.7万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 43525.28 | 1687.50 | 41837.78 | 768162.22 |
| 2 | 2025-04 | 43525.28 | 1600.34 | 41924.94 | 726237.27 |
| 3 | 2025-05 | 43525.28 | 1512.99 | 42012.29 | 684224.99 |
| 4 | 2025-06 | 43525.28 | 1425.47 | 42099.81 | 642125.17 |
| 5 | 2025-07 | 43525.28 | 1337.76 | 42187.52 | 599937.65 |
| 6 | 2025-08 | 43525.28 | 1249.87 | 42275.41 | 557662.24 |
| 7 | 2025-09 | 43525.28 | 1161.80 | 42363.49 | 515298.75 |
| 8 | 2025-10 | 43525.28 | 1073.54 | 42451.74 | 472847.01 |
| 9 | 2025-11 | 43525.28 | 985.10 | 42540.18 | 430306.83 |
| 10 | 2025-12 | 43525.28 | 896.47 | 42628.81 | 387678.02 |
| 11 | 2026-01 | 43525.28 | 807.66 | 42717.62 | 344960.40 |
| 12 | 2026-02 | 43525.28 | 718.67 | 42806.61 | 302153.78 |
| 13 | 2026-03 | 43525.28 | 629.49 | 42895.79 | 259257.99 |
| 14 | 2026-04 | 43525.28 | 540.12 | 42985.16 | 216272.83 |
| 15 | 2026-05 | 43525.28 | 450.57 | 43074.71 | 173198.12 |
| 16 | 2026-06 | 43525.28 | 360.83 | 43164.45 | 130033.66 |
| 17 | 2026-07 | 43525.28 | 270.90 | 43254.38 | 86779.28 |
| 18 | 2026-08 | 43525.28 | 180.79 | 43344.49 | 43434.79 |
| 19 | 2026-09 | 43525.28 | 90.49 | 43434.79 | 0.00 |
等额本金还款方式：
贷款总额：81万
还款月数：1年7个月
首月还款：44319.08元
每月递减：88.82元
利息总额：1.69万
本息合计：82.69万
节省利息：105.36元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 44319.08 | 1687.50 | 42631.58 | 767368.42 |
| 2 | 2025-04 | 44230.26 | 1598.68 | 42631.58 | 724736.84 |
| 3 | 2025-05 | 44141.45 | 1509.87 | 42631.58 | 682105.26 |
| 4 | 2025-06 | 44052.63 | 1421.05 | 42631.58 | 639473.68 |
| 5 | 2025-07 | 43963.82 | 1332.24 | 42631.58 | 596842.11 |
| 6 | 2025-08 | 43875.00 | 1243.42 | 42631.58 | 554210.53 |
| 7 | 2025-09 | 43786.18 | 1154.61 | 42631.58 | 511578.95 |
| 8 | 2025-10 | 43697.37 | 1065.79 | 42631.58 | 468947.37 |
| 9 | 2025-11 | 43608.55 | 976.97 | 42631.58 | 426315.79 |
| 10 | 2025-12 | 43519.74 | 888.16 | 42631.58 | 383684.21 |
| 11 | 2026-01 | 43430.92 | 799.34 | 42631.58 | 341052.63 |
| 12 | 2026-02 | 43342.11 | 710.53 | 42631.58 | 298421.05 |
| 13 | 2026-03 | 43253.29 | 621.71 | 42631.58 | 255789.47 |
| 14 | 2026-04 | 43164.47 | 532.89 | 42631.58 | 213157.89 |
| 15 | 2026-05 | 43075.66 | 444.08 | 42631.58 | 170526.32 |
| 16 | 2026-06 | 42986.84 | 355.26 | 42631.58 | 127894.74 |
| 17 | 2026-07 | 42898.03 | 266.45 | 42631.58 | 85263.16 |
| 18 | 2026-08 | 42809.21 | 177.63 | 42631.58 | 42631.58 |
| 19 | 2026-09 | 42720.39 | 88.82 | 42631.58 | 0.00 |