贷款10.5万（公积金贷款）房贷，还款2年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：10.5万
还款月数：2年
每月还款：4528.6元
利息总额：3686.46元
本息合计：10.87万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 4528.60 | 291.81 | 4236.79 | 100763.21 |
| 2 | 2024-11 | 4528.60 | 280.04 | 4248.56 | 96514.65 |
| 3 | 2024-12 | 4528.60 | 268.23 | 4260.37 | 92254.27 |
| 4 | 2025-01 | 4528.60 | 256.39 | 4272.21 | 87982.06 |
| 5 | 2025-02 | 4528.60 | 244.52 | 4284.09 | 83697.97 |
| 6 | 2025-03 | 4528.60 | 232.61 | 4295.99 | 79401.98 |
| 7 | 2025-04 | 4528.60 | 220.67 | 4307.93 | 75094.05 |
| 8 | 2025-05 | 4528.60 | 208.70 | 4319.90 | 70774.15 |
| 9 | 2025-06 | 4528.60 | 196.69 | 4331.91 | 66442.24 |
| 10 | 2025-07 | 4528.60 | 184.65 | 4343.95 | 62098.29 |
| 11 | 2025-08 | 4528.60 | 172.58 | 4356.02 | 57742.27 |
| 12 | 2025-09 | 4528.60 | 160.48 | 4368.13 | 53374.14 |
| 13 | 2025-10 | 4528.60 | 148.34 | 4380.27 | 48993.88 |
| 14 | 2025-11 | 4528.60 | 136.16 | 4392.44 | 44601.44 |
| 15 | 2025-12 | 4528.60 | 123.95 | 4404.65 | 40196.79 |
| 16 | 2026-01 | 4528.60 | 111.71 | 4416.89 | 35779.90 |
| 17 | 2026-02 | 4528.60 | 99.44 | 4429.16 | 31350.73 |
| 18 | 2026-03 | 4528.60 | 87.13 | 4441.47 | 26909.26 |
| 19 | 2026-04 | 4528.60 | 74.79 | 4453.82 | 22455.44 |
| 20 | 2026-05 | 4528.60 | 62.41 | 4466.20 | 17989.25 |
| 21 | 2026-06 | 4528.60 | 50.00 | 4478.61 | 13510.64 |
| 22 | 2026-07 | 4528.60 | 37.55 | 4491.05 | 9019.59 |
| 23 | 2026-08 | 4528.60 | 25.07 | 4503.54 | 4516.05 |
| 24 | 2026-09 | 4528.60 | 12.55 | 4516.05 | 0.00 |
等额本金还款方式：
贷款总额：10.5万
还款月数：2年
首月还款：4666.81元
每月递减：12.16元
利息总额：3647.66元
本息合计：10.86万
节省利息：38.8元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 4666.81 | 291.81 | 4375.00 | 100625.00 |
| 2 | 2024-11 | 4654.65 | 279.65 | 4375.00 | 96250.00 |
| 3 | 2024-12 | 4642.49 | 267.49 | 4375.00 | 91875.00 |
| 4 | 2025-01 | 4630.34 | 255.34 | 4375.00 | 87500.00 |
| 5 | 2025-02 | 4618.18 | 243.18 | 4375.00 | 83125.00 |
| 6 | 2025-03 | 4606.02 | 231.02 | 4375.00 | 78750.00 |
| 7 | 2025-04 | 4593.86 | 218.86 | 4375.00 | 74375.00 |
| 8 | 2025-05 | 4581.70 | 206.70 | 4375.00 | 70000.00 |
| 9 | 2025-06 | 4569.54 | 194.54 | 4375.00 | 65625.00 |
| 10 | 2025-07 | 4557.38 | 182.38 | 4375.00 | 61250.00 |
| 11 | 2025-08 | 4545.22 | 170.22 | 4375.00 | 56875.00 |
| 12 | 2025-09 | 4533.07 | 158.07 | 4375.00 | 52500.00 |
| 13 | 2025-10 | 4520.91 | 145.91 | 4375.00 | 48125.00 |
| 14 | 2025-11 | 4508.75 | 133.75 | 4375.00 | 43750.00 |
| 15 | 2025-12 | 4496.59 | 121.59 | 4375.00 | 39375.00 |
| 16 | 2026-01 | 4484.43 | 109.43 | 4375.00 | 35000.00 |
| 17 | 2026-02 | 4472.27 | 97.27 | 4375.00 | 30625.00 |
| 18 | 2026-03 | 4460.11 | 85.11 | 4375.00 | 26250.00 |
| 19 | 2026-04 | 4447.95 | 72.95 | 4375.00 | 21875.00 |
| 20 | 2026-05 | 4435.79 | 60.79 | 4375.00 | 17500.00 |
| 21 | 2026-06 | 4423.64 | 48.64 | 4375.00 | 13125.00 |
| 22 | 2026-07 | 4411.48 | 36.48 | 4375.00 | 8750.00 |
| 23 | 2026-08 | 4399.32 | 24.32 | 4375.00 | 4375.00 |
| 24 | 2026-09 | 4387.16 | 12.16 | 4375.00 | 0.00 |