贷款36.5万（公积金贷款）房贷，还款2年4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：36.5万
还款月数：2年4个月
每月还款：13489.42元
利息总额：1.27万
本息合计：37.77万
| 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 | 13489.42 | 866.88 | 12622.55 | 352377.45 |
| 2 | 2024-12 | 13489.42 | 836.90 | 12652.53 | 339724.92 |
| 3 | 2025-01 | 13489.42 | 806.85 | 12682.58 | 327042.35 |
| 4 | 2025-02 | 13489.42 | 776.73 | 12712.70 | 314329.65 |
| 5 | 2025-03 | 13489.42 | 746.53 | 12742.89 | 301586.76 |
| 6 | 2025-04 | 13489.42 | 716.27 | 12773.15 | 288813.60 |
| 7 | 2025-05 | 13489.42 | 685.93 | 12803.49 | 276010.11 |
| 8 | 2025-06 | 13489.42 | 655.52 | 12833.90 | 263176.21 |
| 9 | 2025-07 | 13489.42 | 625.04 | 12864.38 | 250311.83 |
| 10 | 2025-08 | 13489.42 | 594.49 | 12894.93 | 237416.90 |
| 11 | 2025-09 | 13489.42 | 563.87 | 12925.56 | 224491.34 |
| 12 | 2025-10 | 13489.42 | 533.17 | 12956.26 | 211535.09 |
| 13 | 2025-11 | 13489.42 | 502.40 | 12987.03 | 198548.06 |
| 14 | 2025-12 | 13489.42 | 471.55 | 13017.87 | 185530.19 |
| 15 | 2026-01 | 13489.42 | 440.63 | 13048.79 | 172481.40 |
| 16 | 2026-02 | 13489.42 | 409.64 | 13079.78 | 159401.62 |
| 17 | 2026-03 | 13489.42 | 378.58 | 13110.84 | 146290.77 |
| 18 | 2026-04 | 13489.42 | 347.44 | 13141.98 | 133148.79 |
| 19 | 2026-05 | 13489.42 | 316.23 | 13173.20 | 119975.59 |
| 20 | 2026-06 | 13489.42 | 284.94 | 13204.48 | 106771.11 |
| 21 | 2026-07 | 13489.42 | 253.58 | 13235.84 | 93535.27 |
| 22 | 2026-08 | 13489.42 | 222.15 | 13267.28 | 80267.99 |
| 23 | 2026-09 | 13489.42 | 190.64 | 13298.79 | 66969.21 |
| 24 | 2026-10 | 13489.42 | 159.05 | 13330.37 | 53638.84 |
| 25 | 2026-11 | 13489.42 | 127.39 | 13362.03 | 40276.80 |
| 26 | 2026-12 | 13489.42 | 95.66 | 13393.77 | 26883.04 |
| 27 | 2027-01 | 13489.42 | 63.85 | 13425.58 | 13457.46 |
| 28 | 2027-02 | 13489.42 | 31.96 | 13457.46 | 0.00 |
等额本金还款方式：
贷款总额：36.5万
还款月数：2年4个月
首月还款：13902.59元
每月递减：30.96元
利息总额：1.26万
本息合计：37.76万
节省利息：134.17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 | 13902.59 | 866.88 | 13035.71 | 351964.29 |
| 2 | 2024-12 | 13871.63 | 835.92 | 13035.71 | 338928.57 |
| 3 | 2025-01 | 13840.67 | 804.96 | 13035.71 | 325892.86 |
| 4 | 2025-02 | 13809.71 | 774.00 | 13035.71 | 312857.14 |
| 5 | 2025-03 | 13778.75 | 743.04 | 13035.71 | 299821.43 |
| 6 | 2025-04 | 13747.79 | 712.08 | 13035.71 | 286785.71 |
| 7 | 2025-05 | 13716.83 | 681.12 | 13035.71 | 273750.00 |
| 8 | 2025-06 | 13685.87 | 650.16 | 13035.71 | 260714.29 |
| 9 | 2025-07 | 13654.91 | 619.20 | 13035.71 | 247678.57 |
| 10 | 2025-08 | 13623.95 | 588.24 | 13035.71 | 234642.86 |
| 11 | 2025-09 | 13592.99 | 557.28 | 13035.71 | 221607.14 |
| 12 | 2025-10 | 13562.03 | 526.32 | 13035.71 | 208571.43 |
| 13 | 2025-11 | 13531.07 | 495.36 | 13035.71 | 195535.71 |
| 14 | 2025-12 | 13500.11 | 464.40 | 13035.71 | 182500.00 |
| 15 | 2026-01 | 13469.15 | 433.44 | 13035.71 | 169464.29 |
| 16 | 2026-02 | 13438.19 | 402.48 | 13035.71 | 156428.57 |
| 17 | 2026-03 | 13407.23 | 371.52 | 13035.71 | 143392.86 |
| 18 | 2026-04 | 13376.27 | 340.56 | 13035.71 | 130357.14 |
| 19 | 2026-05 | 13345.31 | 309.60 | 13035.71 | 117321.43 |
| 20 | 2026-06 | 13314.35 | 278.64 | 13035.71 | 104285.71 |
| 21 | 2026-07 | 13283.39 | 247.68 | 13035.71 | 91250.00 |
| 22 | 2026-08 | 13252.43 | 216.72 | 13035.71 | 78214.29 |
| 23 | 2026-09 | 13221.47 | 185.76 | 13035.71 | 65178.57 |
| 24 | 2026-10 | 13190.51 | 154.80 | 13035.71 | 52142.86 |
| 25 | 2026-11 | 13159.55 | 123.84 | 13035.71 | 39107.14 |
| 26 | 2026-12 | 13128.59 | 92.88 | 13035.71 | 26071.43 |
| 27 | 2027-01 | 13097.63 | 61.92 | 13035.71 | 13035.71 |
| 28 | 2027-02 | 13066.67 | 30.96 | 13035.71 | 0.00 |