贷款1万（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：1万
还款月数：3年4个月
每月还款：264.04元
利息总额：561.43元
本息合计：1.06万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 264.04 | 26.92 | 237.12 | 9762.88 |
| 2 | 2024-09 | 264.04 | 26.28 | 237.76 | 9525.12 |
| 3 | 2024-10 | 264.04 | 25.64 | 238.40 | 9286.73 |
| 4 | 2024-11 | 264.04 | 25.00 | 239.04 | 9047.69 |
| 5 | 2024-12 | 264.04 | 24.35 | 239.68 | 8808.00 |
| 6 | 2025-01 | 264.04 | 23.71 | 240.33 | 8567.68 |
| 7 | 2025-02 | 264.04 | 23.06 | 240.97 | 8326.70 |
| 8 | 2025-03 | 264.04 | 22.41 | 241.62 | 8085.08 |
| 9 | 2025-04 | 264.04 | 21.76 | 242.27 | 7842.81 |
| 10 | 2025-05 | 264.04 | 21.11 | 242.93 | 7599.88 |
| 11 | 2025-06 | 264.04 | 20.46 | 243.58 | 7356.30 |
| 12 | 2025-07 | 264.04 | 19.80 | 244.24 | 7112.07 |
| 13 | 2025-08 | 264.04 | 19.14 | 244.89 | 6867.17 |
| 14 | 2025-09 | 264.04 | 18.48 | 245.55 | 6621.62 |
| 15 | 2025-10 | 264.04 | 17.82 | 246.21 | 6375.41 |
| 16 | 2025-11 | 264.04 | 17.16 | 246.88 | 6128.53 |
| 17 | 2025-12 | 264.04 | 16.50 | 247.54 | 5880.99 |
| 18 | 2026-01 | 264.04 | 15.83 | 248.21 | 5632.79 |
| 19 | 2026-02 | 264.04 | 15.16 | 248.87 | 5383.91 |
| 20 | 2026-03 | 264.04 | 14.49 | 249.54 | 5134.37 |
| 21 | 2026-04 | 264.04 | 13.82 | 250.22 | 4884.15 |
| 22 | 2026-05 | 264.04 | 13.15 | 250.89 | 4633.27 |
| 23 | 2026-06 | 264.04 | 12.47 | 251.56 | 4381.70 |
| 24 | 2026-07 | 264.04 | 11.79 | 252.24 | 4129.46 |
| 25 | 2026-08 | 264.04 | 11.12 | 252.92 | 3876.54 |
| 26 | 2026-09 | 264.04 | 10.43 | 253.60 | 3622.94 |
| 27 | 2026-10 | 264.04 | 9.75 | 254.28 | 3368.65 |
| 28 | 2026-11 | 264.04 | 9.07 | 254.97 | 3113.68 |
| 29 | 2026-12 | 264.04 | 8.38 | 255.65 | 2858.03 |
| 30 | 2027-01 | 264.04 | 7.69 | 256.34 | 2601.69 |
| 31 | 2027-02 | 264.04 | 7.00 | 257.03 | 2344.65 |
| 32 | 2027-03 | 264.04 | 6.31 | 257.72 | 2086.93 |
| 33 | 2027-04 | 264.04 | 5.62 | 258.42 | 1828.51 |
| 34 | 2027-05 | 264.04 | 4.92 | 259.11 | 1569.40 |
| 35 | 2027-06 | 264.04 | 4.22 | 259.81 | 1309.59 |
| 36 | 2027-07 | 264.04 | 3.52 | 260.51 | 1049.07 |
| 37 | 2027-08 | 264.04 | 2.82 | 261.21 | 787.86 |
| 38 | 2027-09 | 264.04 | 2.12 | 261.92 | 525.95 |
| 39 | 2027-10 | 264.04 | 1.42 | 262.62 | 263.33 |
| 40 | 2027-11 | 264.04 | 0.71 | 263.33 | 0.00 |
等额本金还款方式：
贷款总额：1万
还款月数：3年4个月
首月还款：276.92元
每月递减：0.67元
利息总额：551.79元
本息合计：1.06万
节省利息：9.64元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 276.92 | 26.92 | 250.00 | 9750.00 |
| 2 | 2024-09 | 276.24 | 26.24 | 250.00 | 9500.00 |
| 3 | 2024-10 | 275.57 | 25.57 | 250.00 | 9250.00 |
| 4 | 2024-11 | 274.90 | 24.90 | 250.00 | 9000.00 |
| 5 | 2024-12 | 274.23 | 24.23 | 250.00 | 8750.00 |
| 6 | 2025-01 | 273.55 | 23.55 | 250.00 | 8500.00 |
| 7 | 2025-02 | 272.88 | 22.88 | 250.00 | 8250.00 |
| 8 | 2025-03 | 272.21 | 22.21 | 250.00 | 8000.00 |
| 9 | 2025-04 | 271.53 | 21.53 | 250.00 | 7750.00 |
| 10 | 2025-05 | 270.86 | 20.86 | 250.00 | 7500.00 |
| 11 | 2025-06 | 270.19 | 20.19 | 250.00 | 7250.00 |
| 12 | 2025-07 | 269.51 | 19.51 | 250.00 | 7000.00 |
| 13 | 2025-08 | 268.84 | 18.84 | 250.00 | 6750.00 |
| 14 | 2025-09 | 268.17 | 18.17 | 250.00 | 6500.00 |
| 15 | 2025-10 | 267.50 | 17.50 | 250.00 | 6250.00 |
| 16 | 2025-11 | 266.82 | 16.82 | 250.00 | 6000.00 |
| 17 | 2025-12 | 266.15 | 16.15 | 250.00 | 5750.00 |
| 18 | 2026-01 | 265.48 | 15.48 | 250.00 | 5500.00 |
| 19 | 2026-02 | 264.80 | 14.80 | 250.00 | 5250.00 |
| 20 | 2026-03 | 264.13 | 14.13 | 250.00 | 5000.00 |
| 21 | 2026-04 | 263.46 | 13.46 | 250.00 | 4750.00 |
| 22 | 2026-05 | 262.79 | 12.79 | 250.00 | 4500.00 |
| 23 | 2026-06 | 262.11 | 12.11 | 250.00 | 4250.00 |
| 24 | 2026-07 | 261.44 | 11.44 | 250.00 | 4000.00 |
| 25 | 2026-08 | 260.77 | 10.77 | 250.00 | 3750.00 |
| 26 | 2026-09 | 260.09 | 10.09 | 250.00 | 3500.00 |
| 27 | 2026-10 | 259.42 | 9.42 | 250.00 | 3250.00 |
| 28 | 2026-11 | 258.75 | 8.75 | 250.00 | 3000.00 |
| 29 | 2026-12 | 258.07 | 8.08 | 250.00 | 2750.00 |
| 30 | 2027-01 | 257.40 | 7.40 | 250.00 | 2500.00 |
| 31 | 2027-02 | 256.73 | 6.73 | 250.00 | 2250.00 |
| 32 | 2027-03 | 256.06 | 6.06 | 250.00 | 2000.00 |
| 33 | 2027-04 | 255.38 | 5.38 | 250.00 | 1750.00 |
| 34 | 2027-05 | 254.71 | 4.71 | 250.00 | 1500.00 |
| 35 | 2027-06 | 254.04 | 4.04 | 250.00 | 1250.00 |
| 36 | 2027-07 | 253.36 | 3.36 | 250.00 | 1000.00 |
| 37 | 2027-08 | 252.69 | 2.69 | 250.00 | 750.00 |
| 38 | 2027-09 | 252.02 | 2.02 | 250.00 | 500.00 |
| 39 | 2027-10 | 251.35 | 1.35 | 250.00 | 250.00 |
| 40 | 2027-11 | 250.67 | 0.67 | 250.00 | 0.00 |