贷款10万（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：10万
还款月数：3年4个月
每月还款：2623.6元
利息总额：4943.81元
本息合计：10.49万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-09 | 2623.60 | 237.50 | 2386.10 | 97613.90 |
| 2 | 2026-10 | 2623.60 | 231.83 | 2391.76 | 95222.14 |
| 3 | 2026-11 | 2623.60 | 226.15 | 2397.44 | 92824.70 |
| 4 | 2026-12 | 2623.60 | 220.46 | 2403.14 | 90421.56 |
| 5 | 2027-01 | 2623.60 | 214.75 | 2408.84 | 88012.72 |
| 6 | 2027-02 | 2623.60 | 209.03 | 2414.57 | 85598.15 |
| 7 | 2027-03 | 2623.60 | 203.30 | 2420.30 | 83177.85 |
| 8 | 2027-04 | 2623.60 | 197.55 | 2426.05 | 80751.81 |
| 9 | 2027-05 | 2623.60 | 191.79 | 2431.81 | 78320.00 |
| 10 | 2027-06 | 2623.60 | 186.01 | 2437.59 | 75882.41 |
| 11 | 2027-07 | 2623.60 | 180.22 | 2443.37 | 73439.04 |
| 12 | 2027-08 | 2623.60 | 174.42 | 2449.18 | 70989.86 |
| 13 | 2027-09 | 2623.60 | 168.60 | 2454.99 | 68534.87 |
| 14 | 2027-10 | 2623.60 | 162.77 | 2460.82 | 66074.04 |
| 15 | 2027-11 | 2623.60 | 156.93 | 2466.67 | 63607.37 |
| 16 | 2027-12 | 2623.60 | 151.07 | 2472.53 | 61134.84 |
| 17 | 2028-01 | 2623.60 | 145.20 | 2478.40 | 58656.44 |
| 18 | 2028-02 | 2623.60 | 139.31 | 2484.29 | 56172.16 |
| 19 | 2028-03 | 2623.60 | 133.41 | 2490.19 | 53681.97 |
| 20 | 2028-04 | 2623.60 | 127.49 | 2496.10 | 51185.87 |
| 21 | 2028-05 | 2623.60 | 121.57 | 2502.03 | 48683.84 |
| 22 | 2028-06 | 2623.60 | 115.62 | 2507.97 | 46175.87 |
| 23 | 2028-07 | 2623.60 | 109.67 | 2513.93 | 43661.94 |
| 24 | 2028-08 | 2623.60 | 103.70 | 2519.90 | 41142.04 |
| 25 | 2028-09 | 2623.60 | 97.71 | 2525.88 | 38616.16 |
| 26 | 2028-10 | 2623.60 | 91.71 | 2531.88 | 36084.28 |
| 27 | 2028-11 | 2623.60 | 85.70 | 2537.90 | 33546.38 |
| 28 | 2028-12 | 2623.60 | 79.67 | 2543.92 | 31002.46 |
| 29 | 2029-01 | 2623.60 | 73.63 | 2549.96 | 28452.50 |
| 30 | 2029-02 | 2623.60 | 67.57 | 2556.02 | 25896.48 |
| 31 | 2029-03 | 2623.60 | 61.50 | 2562.09 | 23334.39 |
| 32 | 2029-04 | 2623.60 | 55.42 | 2568.18 | 20766.21 |
| 33 | 2029-05 | 2623.60 | 49.32 | 2574.28 | 18191.93 |
| 34 | 2029-06 | 2623.60 | 43.21 | 2580.39 | 15611.54 |
| 35 | 2029-07 | 2623.60 | 37.08 | 2586.52 | 13025.03 |
| 36 | 2029-08 | 2623.60 | 30.93 | 2592.66 | 10432.37 |
| 37 | 2029-09 | 2623.60 | 24.78 | 2598.82 | 7833.55 |
| 38 | 2029-10 | 2623.60 | 18.60 | 2604.99 | 5228.56 |
| 39 | 2029-11 | 2623.60 | 12.42 | 2611.18 | 2617.38 |
| 40 | 2029-12 | 2623.60 | 6.22 | 2617.38 | 0.00 |
等额本金还款方式：
贷款总额：10万
还款月数：3年4个月
首月还款：2737.5元
每月递减：5.94元
利息总额：4868.75元
本息合计：10.49万
节省利息：75.06元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-09 | 2737.50 | 237.50 | 2500.00 | 97500.00 |
| 2 | 2026-10 | 2731.56 | 231.56 | 2500.00 | 95000.00 |
| 3 | 2026-11 | 2725.63 | 225.63 | 2500.00 | 92500.00 |
| 4 | 2026-12 | 2719.69 | 219.69 | 2500.00 | 90000.00 |
| 5 | 2027-01 | 2713.75 | 213.75 | 2500.00 | 87500.00 |
| 6 | 2027-02 | 2707.81 | 207.81 | 2500.00 | 85000.00 |
| 7 | 2027-03 | 2701.88 | 201.88 | 2500.00 | 82500.00 |
| 8 | 2027-04 | 2695.94 | 195.94 | 2500.00 | 80000.00 |
| 9 | 2027-05 | 2690.00 | 190.00 | 2500.00 | 77500.00 |
| 10 | 2027-06 | 2684.06 | 184.06 | 2500.00 | 75000.00 |
| 11 | 2027-07 | 2678.13 | 178.13 | 2500.00 | 72500.00 |
| 12 | 2027-08 | 2672.19 | 172.19 | 2500.00 | 70000.00 |
| 13 | 2027-09 | 2666.25 | 166.25 | 2500.00 | 67500.00 |
| 14 | 2027-10 | 2660.31 | 160.31 | 2500.00 | 65000.00 |
| 15 | 2027-11 | 2654.38 | 154.38 | 2500.00 | 62500.00 |
| 16 | 2027-12 | 2648.44 | 148.44 | 2500.00 | 60000.00 |
| 17 | 2028-01 | 2642.50 | 142.50 | 2500.00 | 57500.00 |
| 18 | 2028-02 | 2636.56 | 136.56 | 2500.00 | 55000.00 |
| 19 | 2028-03 | 2630.63 | 130.63 | 2500.00 | 52500.00 |
| 20 | 2028-04 | 2624.69 | 124.69 | 2500.00 | 50000.00 |
| 21 | 2028-05 | 2618.75 | 118.75 | 2500.00 | 47500.00 |
| 22 | 2028-06 | 2612.81 | 112.81 | 2500.00 | 45000.00 |
| 23 | 2028-07 | 2606.88 | 106.88 | 2500.00 | 42500.00 |
| 24 | 2028-08 | 2600.94 | 100.94 | 2500.00 | 40000.00 |
| 25 | 2028-09 | 2595.00 | 95.00 | 2500.00 | 37500.00 |
| 26 | 2028-10 | 2589.06 | 89.06 | 2500.00 | 35000.00 |
| 27 | 2028-11 | 2583.13 | 83.13 | 2500.00 | 32500.00 |
| 28 | 2028-12 | 2577.19 | 77.19 | 2500.00 | 30000.00 |
| 29 | 2029-01 | 2571.25 | 71.25 | 2500.00 | 27500.00 |
| 30 | 2029-02 | 2565.31 | 65.31 | 2500.00 | 25000.00 |
| 31 | 2029-03 | 2559.38 | 59.38 | 2500.00 | 22500.00 |
| 32 | 2029-04 | 2553.44 | 53.44 | 2500.00 | 20000.00 |
| 33 | 2029-05 | 2547.50 | 47.50 | 2500.00 | 17500.00 |
| 34 | 2029-06 | 2541.56 | 41.56 | 2500.00 | 15000.00 |
| 35 | 2029-07 | 2535.63 | 35.63 | 2500.00 | 12500.00 |
| 36 | 2029-08 | 2529.69 | 29.69 | 2500.00 | 10000.00 |
| 37 | 2029-09 | 2523.75 | 23.75 | 2500.00 | 7500.00 |
| 38 | 2029-10 | 2517.81 | 17.81 | 2500.00 | 5000.00 |
| 39 | 2029-11 | 2511.88 | 11.88 | 2500.00 | 2500.00 |
| 40 | 2029-12 | 2505.94 | 5.94 | 2500.00 | 0.00 |