贷款10万（公积金贷款）房贷，还款2年11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：2年11个月
每月还款：2980.93元
利息总额：4332.46元
本息合计：10.43万
| 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 | 2980.93 | 237.50 | 2743.43 | 97256.57 |
| 2 | 2026-10 | 2980.93 | 230.98 | 2749.94 | 94506.63 |
| 3 | 2026-11 | 2980.93 | 224.45 | 2756.47 | 91750.16 |
| 4 | 2026-12 | 2980.93 | 217.91 | 2763.02 | 88987.13 |
| 5 | 2027-01 | 2980.93 | 211.34 | 2769.58 | 86217.55 |
| 6 | 2027-02 | 2980.93 | 204.77 | 2776.16 | 83441.39 |
| 7 | 2027-03 | 2980.93 | 198.17 | 2782.75 | 80658.64 |
| 8 | 2027-04 | 2980.93 | 191.56 | 2789.36 | 77869.27 |
| 9 | 2027-05 | 2980.93 | 184.94 | 2795.99 | 75073.29 |
| 10 | 2027-06 | 2980.93 | 178.30 | 2802.63 | 72270.66 |
| 11 | 2027-07 | 2980.93 | 171.64 | 2809.28 | 69461.37 |
| 12 | 2027-08 | 2980.93 | 164.97 | 2815.96 | 66645.42 |
| 13 | 2027-09 | 2980.93 | 158.28 | 2822.64 | 63822.77 |
| 14 | 2027-10 | 2980.93 | 151.58 | 2829.35 | 60993.42 |
| 15 | 2027-11 | 2980.93 | 144.86 | 2836.07 | 58157.36 |
| 16 | 2027-12 | 2980.93 | 138.12 | 2842.80 | 55314.55 |
| 17 | 2028-01 | 2980.93 | 131.37 | 2849.56 | 52465.00 |
| 18 | 2028-02 | 2980.93 | 124.60 | 2856.32 | 49608.67 |
| 19 | 2028-03 | 2980.93 | 117.82 | 2863.11 | 46745.57 |
| 20 | 2028-04 | 2980.93 | 111.02 | 2869.91 | 43875.66 |
| 21 | 2028-05 | 2980.93 | 104.20 | 2876.72 | 40998.94 |
| 22 | 2028-06 | 2980.93 | 97.37 | 2883.55 | 38115.38 |
| 23 | 2028-07 | 2980.93 | 90.52 | 2890.40 | 35224.98 |
| 24 | 2028-08 | 2980.93 | 83.66 | 2897.27 | 32327.71 |
| 25 | 2028-09 | 2980.93 | 76.78 | 2904.15 | 29423.56 |
| 26 | 2028-10 | 2980.93 | 69.88 | 2911.05 | 26512.51 |
| 27 | 2028-11 | 2980.93 | 62.97 | 2917.96 | 23594.55 |
| 28 | 2028-12 | 2980.93 | 56.04 | 2924.89 | 20669.66 |
| 29 | 2029-01 | 2980.93 | 49.09 | 2931.84 | 17737.83 |
| 30 | 2029-02 | 2980.93 | 42.13 | 2938.80 | 14799.03 |
| 31 | 2029-03 | 2980.93 | 35.15 | 2945.78 | 11853.25 |
| 32 | 2029-04 | 2980.93 | 28.15 | 2952.78 | 8900.47 |
| 33 | 2029-05 | 2980.93 | 21.14 | 2959.79 | 5940.68 |
| 34 | 2029-06 | 2980.93 | 14.11 | 2966.82 | 2973.86 |
| 35 | 2029-07 | 2980.93 | 7.06 | 2973.86 | 0.00 |
等额本金还款方式：
贷款总额：10万
还款月数：2年11个月
首月还款：3094.64元
每月递减：6.79元
利息总额：4275元
本息合计：10.43万
节省利息：57.46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 | 3094.64 | 237.50 | 2857.14 | 97142.86 |
| 2 | 2026-10 | 3087.86 | 230.71 | 2857.14 | 94285.71 |
| 3 | 2026-11 | 3081.07 | 223.93 | 2857.14 | 91428.57 |
| 4 | 2026-12 | 3074.29 | 217.14 | 2857.14 | 88571.43 |
| 5 | 2027-01 | 3067.50 | 210.36 | 2857.14 | 85714.29 |
| 6 | 2027-02 | 3060.71 | 203.57 | 2857.14 | 82857.14 |
| 7 | 2027-03 | 3053.93 | 196.79 | 2857.14 | 80000.00 |
| 8 | 2027-04 | 3047.14 | 190.00 | 2857.14 | 77142.86 |
| 9 | 2027-05 | 3040.36 | 183.21 | 2857.14 | 74285.71 |
| 10 | 2027-06 | 3033.57 | 176.43 | 2857.14 | 71428.57 |
| 11 | 2027-07 | 3026.79 | 169.64 | 2857.14 | 68571.43 |
| 12 | 2027-08 | 3020.00 | 162.86 | 2857.14 | 65714.29 |
| 13 | 2027-09 | 3013.21 | 156.07 | 2857.14 | 62857.14 |
| 14 | 2027-10 | 3006.43 | 149.29 | 2857.14 | 60000.00 |
| 15 | 2027-11 | 2999.64 | 142.50 | 2857.14 | 57142.86 |
| 16 | 2027-12 | 2992.86 | 135.71 | 2857.14 | 54285.71 |
| 17 | 2028-01 | 2986.07 | 128.93 | 2857.14 | 51428.57 |
| 18 | 2028-02 | 2979.29 | 122.14 | 2857.14 | 48571.43 |
| 19 | 2028-03 | 2972.50 | 115.36 | 2857.14 | 45714.29 |
| 20 | 2028-04 | 2965.71 | 108.57 | 2857.14 | 42857.14 |
| 21 | 2028-05 | 2958.93 | 101.79 | 2857.14 | 40000.00 |
| 22 | 2028-06 | 2952.14 | 95.00 | 2857.14 | 37142.86 |
| 23 | 2028-07 | 2945.36 | 88.21 | 2857.14 | 34285.71 |
| 24 | 2028-08 | 2938.57 | 81.43 | 2857.14 | 31428.57 |
| 25 | 2028-09 | 2931.79 | 74.64 | 2857.14 | 28571.43 |
| 26 | 2028-10 | 2925.00 | 67.86 | 2857.14 | 25714.29 |
| 27 | 2028-11 | 2918.21 | 61.07 | 2857.14 | 22857.14 |
| 28 | 2028-12 | 2911.43 | 54.29 | 2857.14 | 20000.00 |
| 29 | 2029-01 | 2904.64 | 47.50 | 2857.14 | 17142.86 |
| 30 | 2029-02 | 2897.86 | 40.71 | 2857.14 | 14285.71 |
| 31 | 2029-03 | 2891.07 | 33.93 | 2857.14 | 11428.57 |
| 32 | 2029-04 | 2884.29 | 27.14 | 2857.14 | 8571.43 |
| 33 | 2029-05 | 2877.50 | 20.36 | 2857.14 | 5714.29 |
| 34 | 2029-06 | 2870.71 | 13.57 | 2857.14 | 2857.14 |
| 35 | 2029-07 | 2863.93 | 6.79 | 2857.14 | 0.00 |