贷款22万（公积金贷款）房贷，还款2年8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：22万
还款月数：2年8个月
每月还款：7218.14元
利息总额：1.1万
本息合计：23.1万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 7218.14 | 655.42 | 6562.73 | 213437.27 |
| 2 | 2024-12 | 7218.14 | 635.87 | 6582.28 | 206855.00 |
| 3 | 2025-01 | 7218.14 | 616.26 | 6601.89 | 200253.11 |
| 4 | 2025-02 | 7218.14 | 596.59 | 6621.56 | 193631.55 |
| 5 | 2025-03 | 7218.14 | 576.86 | 6641.28 | 186990.27 |
| 6 | 2025-04 | 7218.14 | 557.08 | 6661.07 | 180329.21 |
| 7 | 2025-05 | 7218.14 | 537.23 | 6680.91 | 173648.29 |
| 8 | 2025-06 | 7218.14 | 517.33 | 6700.82 | 166947.48 |
| 9 | 2025-07 | 7218.14 | 497.36 | 6720.78 | 160226.70 |
| 10 | 2025-08 | 7218.14 | 477.34 | 6740.80 | 153485.90 |
| 11 | 2025-09 | 7218.14 | 457.26 | 6760.88 | 146725.02 |
| 12 | 2025-10 | 7218.14 | 437.12 | 6781.02 | 139943.99 |
| 13 | 2025-11 | 7218.14 | 416.92 | 6801.23 | 133142.77 |
| 14 | 2025-12 | 7218.14 | 396.65 | 6821.49 | 126321.28 |
| 15 | 2026-01 | 7218.14 | 376.33 | 6841.81 | 119479.47 |
| 16 | 2026-02 | 7218.14 | 355.95 | 6862.19 | 112617.28 |
| 17 | 2026-03 | 7218.14 | 335.51 | 6882.64 | 105734.64 |
| 18 | 2026-04 | 7218.14 | 315.00 | 6903.14 | 98831.50 |
| 19 | 2026-05 | 7218.14 | 294.44 | 6923.71 | 91907.79 |
| 20 | 2026-06 | 7218.14 | 273.81 | 6944.33 | 84963.46 |
| 21 | 2026-07 | 7218.14 | 253.12 | 6965.02 | 77998.43 |
| 22 | 2026-08 | 7218.14 | 232.37 | 6985.77 | 71012.66 |
| 23 | 2026-09 | 7218.14 | 211.56 | 7006.58 | 64006.08 |
| 24 | 2026-10 | 7218.14 | 190.68 | 7027.46 | 56978.62 |
| 25 | 2026-11 | 7218.14 | 169.75 | 7048.39 | 49930.23 |
| 26 | 2026-12 | 7218.14 | 148.75 | 7069.39 | 42860.83 |
| 27 | 2027-01 | 7218.14 | 127.69 | 7090.45 | 35770.38 |
| 28 | 2027-02 | 7218.14 | 106.57 | 7111.58 | 28658.80 |
| 29 | 2027-03 | 7218.14 | 85.38 | 7132.76 | 21526.04 |
| 30 | 2027-04 | 7218.14 | 64.13 | 7154.01 | 14372.03 |
| 31 | 2027-05 | 7218.14 | 42.82 | 7175.33 | 7196.70 |
| 32 | 2027-06 | 7218.14 | 21.44 | 7196.70 | 0.00 |
等额本金还款方式：
贷款总额：22万
还款月数：2年8个月
首月还款：7530.42元
每月递减：20.48元
利息总额：1.08万
本息合计：23.08万
节省利息：166.19元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 7530.42 | 655.42 | 6875.00 | 213125.00 |
| 2 | 2024-12 | 7509.93 | 634.93 | 6875.00 | 206250.00 |
| 3 | 2025-01 | 7489.45 | 614.45 | 6875.00 | 199375.00 |
| 4 | 2025-02 | 7468.97 | 593.97 | 6875.00 | 192500.00 |
| 5 | 2025-03 | 7448.49 | 573.49 | 6875.00 | 185625.00 |
| 6 | 2025-04 | 7428.01 | 553.01 | 6875.00 | 178750.00 |
| 7 | 2025-05 | 7407.53 | 532.53 | 6875.00 | 171875.00 |
| 8 | 2025-06 | 7387.04 | 512.04 | 6875.00 | 165000.00 |
| 9 | 2025-07 | 7366.56 | 491.56 | 6875.00 | 158125.00 |
| 10 | 2025-08 | 7346.08 | 471.08 | 6875.00 | 151250.00 |
| 11 | 2025-09 | 7325.60 | 450.60 | 6875.00 | 144375.00 |
| 12 | 2025-10 | 7305.12 | 430.12 | 6875.00 | 137500.00 |
| 13 | 2025-11 | 7284.64 | 409.64 | 6875.00 | 130625.00 |
| 14 | 2025-12 | 7264.15 | 389.15 | 6875.00 | 123750.00 |
| 15 | 2026-01 | 7243.67 | 368.67 | 6875.00 | 116875.00 |
| 16 | 2026-02 | 7223.19 | 348.19 | 6875.00 | 110000.00 |
| 17 | 2026-03 | 7202.71 | 327.71 | 6875.00 | 103125.00 |
| 18 | 2026-04 | 7182.23 | 307.23 | 6875.00 | 96250.00 |
| 19 | 2026-05 | 7161.74 | 286.74 | 6875.00 | 89375.00 |
| 20 | 2026-06 | 7141.26 | 266.26 | 6875.00 | 82500.00 |
| 21 | 2026-07 | 7120.78 | 245.78 | 6875.00 | 75625.00 |
| 22 | 2026-08 | 7100.30 | 225.30 | 6875.00 | 68750.00 |
| 23 | 2026-09 | 7079.82 | 204.82 | 6875.00 | 61875.00 |
| 24 | 2026-10 | 7059.34 | 184.34 | 6875.00 | 55000.00 |
| 25 | 2026-11 | 7038.85 | 163.85 | 6875.00 | 48125.00 |
| 26 | 2026-12 | 7018.37 | 143.37 | 6875.00 | 41250.00 |
| 27 | 2027-01 | 6997.89 | 122.89 | 6875.00 | 34375.00 |
| 28 | 2027-02 | 6977.41 | 102.41 | 6875.00 | 27500.00 |
| 29 | 2027-03 | 6956.93 | 81.93 | 6875.00 | 20625.00 |
| 30 | 2027-04 | 6936.45 | 61.45 | 6875.00 | 13750.00 |
| 31 | 2027-05 | 6915.96 | 40.96 | 6875.00 | 6875.00 |
| 32 | 2027-06 | 6895.48 | 20.48 | 6875.00 | 0.00 |