贷款10万（公积金贷款）房贷，还款3年1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1个月
每月还款：2826.4元
利息总额：4576.72元
本息合计：10.46万
| 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 | 2826.40 | 237.50 | 2588.90 | 97411.10 |
| 2 | 2026-10 | 2826.40 | 231.35 | 2595.05 | 94816.06 |
| 3 | 2026-11 | 2826.40 | 225.19 | 2601.21 | 92214.85 |
| 4 | 2026-12 | 2826.40 | 219.01 | 2607.39 | 89607.46 |
| 5 | 2027-01 | 2826.40 | 212.82 | 2613.58 | 86993.88 |
| 6 | 2027-02 | 2826.40 | 206.61 | 2619.79 | 84374.09 |
| 7 | 2027-03 | 2826.40 | 200.39 | 2626.01 | 81748.08 |
| 8 | 2027-04 | 2826.40 | 194.15 | 2632.25 | 79115.84 |
| 9 | 2027-05 | 2826.40 | 187.90 | 2638.50 | 76477.34 |
| 10 | 2027-06 | 2826.40 | 181.63 | 2644.76 | 73832.57 |
| 11 | 2027-07 | 2826.40 | 175.35 | 2651.05 | 71181.53 |
| 12 | 2027-08 | 2826.40 | 169.06 | 2657.34 | 68524.19 |
| 13 | 2027-09 | 2826.40 | 162.74 | 2663.65 | 65860.53 |
| 14 | 2027-10 | 2826.40 | 156.42 | 2669.98 | 63190.55 |
| 15 | 2027-11 | 2826.40 | 150.08 | 2676.32 | 60514.23 |
| 16 | 2027-12 | 2826.40 | 143.72 | 2682.68 | 57831.56 |
| 17 | 2028-01 | 2826.40 | 137.35 | 2689.05 | 55142.51 |
| 18 | 2028-02 | 2826.40 | 130.96 | 2695.43 | 52447.08 |
| 19 | 2028-03 | 2826.40 | 124.56 | 2701.84 | 49745.24 |
| 20 | 2028-04 | 2826.40 | 118.14 | 2708.25 | 47036.99 |
| 21 | 2028-05 | 2826.40 | 111.71 | 2714.68 | 44322.30 |
| 22 | 2028-06 | 2826.40 | 105.27 | 2721.13 | 41601.17 |
| 23 | 2028-07 | 2826.40 | 98.80 | 2727.60 | 38873.57 |
| 24 | 2028-08 | 2826.40 | 92.32 | 2734.07 | 36139.50 |
| 25 | 2028-09 | 2826.40 | 85.83 | 2740.57 | 33398.94 |
| 26 | 2028-10 | 2826.40 | 79.32 | 2747.08 | 30651.86 |
| 27 | 2028-11 | 2826.40 | 72.80 | 2753.60 | 27898.26 |
| 28 | 2028-12 | 2826.40 | 66.26 | 2760.14 | 25138.12 |
| 29 | 2029-01 | 2826.40 | 59.70 | 2766.69 | 22371.43 |
| 30 | 2029-02 | 2826.40 | 53.13 | 2773.27 | 19598.16 |
| 31 | 2029-03 | 2826.40 | 46.55 | 2779.85 | 16818.31 |
| 32 | 2029-04 | 2826.40 | 39.94 | 2786.45 | 14031.85 |
| 33 | 2029-05 | 2826.40 | 33.33 | 2793.07 | 11238.78 |
| 34 | 2029-06 | 2826.40 | 26.69 | 2799.71 | 8439.08 |
| 35 | 2029-07 | 2826.40 | 20.04 | 2806.35 | 5632.72 |
| 36 | 2029-08 | 2826.40 | 13.38 | 2813.02 | 2819.70 |
| 37 | 2029-09 | 2826.40 | 6.70 | 2819.70 | 0.00 |
等额本金还款方式：
贷款总额：10万
还款月数：3年1个月
首月还款：2940.2元
每月递减：6.42元
利息总额：4512.5元
本息合计：10.45万
节省利息：64.22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 | 2940.20 | 237.50 | 2702.70 | 97297.30 |
| 2 | 2026-10 | 2933.78 | 231.08 | 2702.70 | 94594.59 |
| 3 | 2026-11 | 2927.36 | 224.66 | 2702.70 | 91891.89 |
| 4 | 2026-12 | 2920.95 | 218.24 | 2702.70 | 89189.19 |
| 5 | 2027-01 | 2914.53 | 211.82 | 2702.70 | 86486.49 |
| 6 | 2027-02 | 2908.11 | 205.41 | 2702.70 | 83783.78 |
| 7 | 2027-03 | 2901.69 | 198.99 | 2702.70 | 81081.08 |
| 8 | 2027-04 | 2895.27 | 192.57 | 2702.70 | 78378.38 |
| 9 | 2027-05 | 2888.85 | 186.15 | 2702.70 | 75675.68 |
| 10 | 2027-06 | 2882.43 | 179.73 | 2702.70 | 72972.97 |
| 11 | 2027-07 | 2876.01 | 173.31 | 2702.70 | 70270.27 |
| 12 | 2027-08 | 2869.59 | 166.89 | 2702.70 | 67567.57 |
| 13 | 2027-09 | 2863.18 | 160.47 | 2702.70 | 64864.86 |
| 14 | 2027-10 | 2856.76 | 154.05 | 2702.70 | 62162.16 |
| 15 | 2027-11 | 2850.34 | 147.64 | 2702.70 | 59459.46 |
| 16 | 2027-12 | 2843.92 | 141.22 | 2702.70 | 56756.76 |
| 17 | 2028-01 | 2837.50 | 134.80 | 2702.70 | 54054.05 |
| 18 | 2028-02 | 2831.08 | 128.38 | 2702.70 | 51351.35 |
| 19 | 2028-03 | 2824.66 | 121.96 | 2702.70 | 48648.65 |
| 20 | 2028-04 | 2818.24 | 115.54 | 2702.70 | 45945.95 |
| 21 | 2028-05 | 2811.82 | 109.12 | 2702.70 | 43243.24 |
| 22 | 2028-06 | 2805.41 | 102.70 | 2702.70 | 40540.54 |
| 23 | 2028-07 | 2798.99 | 96.28 | 2702.70 | 37837.84 |
| 24 | 2028-08 | 2792.57 | 89.86 | 2702.70 | 35135.14 |
| 25 | 2028-09 | 2786.15 | 83.45 | 2702.70 | 32432.43 |
| 26 | 2028-10 | 2779.73 | 77.03 | 2702.70 | 29729.73 |
| 27 | 2028-11 | 2773.31 | 70.61 | 2702.70 | 27027.03 |
| 28 | 2028-12 | 2766.89 | 64.19 | 2702.70 | 24324.32 |
| 29 | 2029-01 | 2760.47 | 57.77 | 2702.70 | 21621.62 |
| 30 | 2029-02 | 2754.05 | 51.35 | 2702.70 | 18918.92 |
| 31 | 2029-03 | 2747.64 | 44.93 | 2702.70 | 16216.22 |
| 32 | 2029-04 | 2741.22 | 38.51 | 2702.70 | 13513.51 |
| 33 | 2029-05 | 2734.80 | 32.09 | 2702.70 | 10810.81 |
| 34 | 2029-06 | 2728.38 | 25.68 | 2702.70 | 8108.11 |
| 35 | 2029-07 | 2721.96 | 19.26 | 2702.70 | 5405.41 |
| 36 | 2029-08 | 2715.54 | 12.84 | 2702.70 | 2702.70 |
| 37 | 2029-09 | 2709.12 | 6.42 | 2702.70 | 0.00 |