贷款22万（公积金贷款）房贷，还款2年7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7个月
每月还款：7440.08元
利息总额：1.06万
本息合计：23.06万
| 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 | 7440.08 | 655.42 | 6784.67 | 213215.33 |
| 2 | 2024-12 | 7440.08 | 635.20 | 6804.88 | 206410.45 |
| 3 | 2025-01 | 7440.08 | 614.93 | 6825.15 | 199585.30 |
| 4 | 2025-02 | 7440.08 | 594.60 | 6845.49 | 192739.81 |
| 5 | 2025-03 | 7440.08 | 574.20 | 6865.88 | 185873.93 |
| 6 | 2025-04 | 7440.08 | 553.75 | 6886.34 | 178987.60 |
| 7 | 2025-05 | 7440.08 | 533.23 | 6906.85 | 172080.75 |
| 8 | 2025-06 | 7440.08 | 512.66 | 6927.43 | 165153.32 |
| 9 | 2025-07 | 7440.08 | 492.02 | 6948.07 | 158205.25 |
| 10 | 2025-08 | 7440.08 | 471.32 | 6968.76 | 151236.49 |
| 11 | 2025-09 | 7440.08 | 450.56 | 6989.53 | 144246.96 |
| 12 | 2025-10 | 7440.08 | 429.74 | 7010.35 | 137236.61 |
| 13 | 2025-11 | 7440.08 | 408.85 | 7031.23 | 130205.38 |
| 14 | 2025-12 | 7440.08 | 387.90 | 7052.18 | 123153.20 |
| 15 | 2026-01 | 7440.08 | 366.89 | 7073.19 | 116080.01 |
| 16 | 2026-02 | 7440.08 | 345.82 | 7094.26 | 108985.75 |
| 17 | 2026-03 | 7440.08 | 324.69 | 7115.40 | 101870.35 |
| 18 | 2026-04 | 7440.08 | 303.49 | 7136.60 | 94733.75 |
| 19 | 2026-05 | 7440.08 | 282.23 | 7157.86 | 87575.89 |
| 20 | 2026-06 | 7440.08 | 260.90 | 7179.18 | 80396.71 |
| 21 | 2026-07 | 7440.08 | 239.52 | 7200.57 | 73196.14 |
| 22 | 2026-08 | 7440.08 | 218.06 | 7222.02 | 65974.12 |
| 23 | 2026-09 | 7440.08 | 196.55 | 7243.54 | 58730.59 |
| 24 | 2026-10 | 7440.08 | 174.97 | 7265.12 | 51465.47 |
| 25 | 2026-11 | 7440.08 | 153.32 | 7286.76 | 44178.71 |
| 26 | 2026-12 | 7440.08 | 131.62 | 7308.47 | 36870.24 |
| 27 | 2027-01 | 7440.08 | 109.84 | 7330.24 | 29540.00 |
| 28 | 2027-02 | 7440.08 | 88.00 | 7352.08 | 22187.92 |
| 29 | 2027-03 | 7440.08 | 66.10 | 7373.98 | 14813.94 |
| 30 | 2027-04 | 7440.08 | 44.13 | 7395.95 | 7417.99 |
| 31 | 2027-05 | 7440.08 | 22.10 | 7417.99 | 0.00 |
等额本金还款方式：
贷款总额：22万
还款月数：2年7个月
首月还款：7752.19元
每月递减：21.14元
利息总额：1.05万
本息合计：23.05万
节省利息：155.95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 | 7752.19 | 655.42 | 7096.77 | 212903.23 |
| 2 | 2024-12 | 7731.05 | 634.27 | 7096.77 | 205806.45 |
| 3 | 2025-01 | 7709.91 | 613.13 | 7096.77 | 198709.68 |
| 4 | 2025-02 | 7688.76 | 591.99 | 7096.77 | 191612.90 |
| 5 | 2025-03 | 7667.62 | 570.85 | 7096.77 | 184516.13 |
| 6 | 2025-04 | 7646.48 | 549.70 | 7096.77 | 177419.35 |
| 7 | 2025-05 | 7625.34 | 528.56 | 7096.77 | 170322.58 |
| 8 | 2025-06 | 7604.19 | 507.42 | 7096.77 | 163225.81 |
| 9 | 2025-07 | 7583.05 | 486.28 | 7096.77 | 156129.03 |
| 10 | 2025-08 | 7561.91 | 465.13 | 7096.77 | 149032.26 |
| 11 | 2025-09 | 7540.77 | 443.99 | 7096.77 | 141935.48 |
| 12 | 2025-10 | 7519.62 | 422.85 | 7096.77 | 134838.71 |
| 13 | 2025-11 | 7498.48 | 401.71 | 7096.77 | 127741.94 |
| 14 | 2025-12 | 7477.34 | 380.56 | 7096.77 | 120645.16 |
| 15 | 2026-01 | 7456.20 | 359.42 | 7096.77 | 113548.39 |
| 16 | 2026-02 | 7435.05 | 338.28 | 7096.77 | 106451.61 |
| 17 | 2026-03 | 7413.91 | 317.14 | 7096.77 | 99354.84 |
| 18 | 2026-04 | 7392.77 | 295.99 | 7096.77 | 92258.06 |
| 19 | 2026-05 | 7371.63 | 274.85 | 7096.77 | 85161.29 |
| 20 | 2026-06 | 7350.48 | 253.71 | 7096.77 | 78064.52 |
| 21 | 2026-07 | 7329.34 | 232.57 | 7096.77 | 70967.74 |
| 22 | 2026-08 | 7308.20 | 211.42 | 7096.77 | 63870.97 |
| 23 | 2026-09 | 7287.06 | 190.28 | 7096.77 | 56774.19 |
| 24 | 2026-10 | 7265.91 | 169.14 | 7096.77 | 49677.42 |
| 25 | 2026-11 | 7244.77 | 148.00 | 7096.77 | 42580.65 |
| 26 | 2026-12 | 7223.63 | 126.85 | 7096.77 | 35483.87 |
| 27 | 2027-01 | 7202.49 | 105.71 | 7096.77 | 28387.10 |
| 28 | 2027-02 | 7181.34 | 84.57 | 7096.77 | 21290.32 |
| 29 | 2027-03 | 7160.20 | 63.43 | 7096.77 | 14193.55 |
| 30 | 2027-04 | 7139.06 | 42.28 | 7096.77 | 7096.77 |
| 31 | 2027-05 | 7117.92 | 21.14 | 7096.77 | 0.00 |