贷款35.21万（公积金贷款）房贷，还款2年3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：35.21万
还款月数：2年3个月
每月还款：13478.8元
利息总额：1.18万
本息合计：36.39万
| 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 | 13478.80 | 836.24 | 12642.56 | 339457.44 |
| 2 | 2024-12 | 13478.80 | 806.21 | 12672.59 | 326784.84 |
| 3 | 2025-01 | 13478.80 | 776.11 | 12702.69 | 314082.16 |
| 4 | 2025-02 | 13478.80 | 745.95 | 12732.86 | 301349.30 |
| 5 | 2025-03 | 13478.80 | 715.70 | 12763.10 | 288586.20 |
| 6 | 2025-04 | 13478.80 | 685.39 | 12793.41 | 275792.79 |
| 7 | 2025-05 | 13478.80 | 655.01 | 12823.79 | 262969.00 |
| 8 | 2025-06 | 13478.80 | 624.55 | 12854.25 | 250114.75 |
| 9 | 2025-07 | 13478.80 | 594.02 | 12884.78 | 237229.97 |
| 10 | 2025-08 | 13478.80 | 563.42 | 12915.38 | 224314.58 |
| 11 | 2025-09 | 13478.80 | 532.75 | 12946.06 | 211368.53 |
| 12 | 2025-10 | 13478.80 | 502.00 | 12976.80 | 198391.73 |
| 13 | 2025-11 | 13478.80 | 471.18 | 13007.62 | 185384.11 |
| 14 | 2025-12 | 13478.80 | 440.29 | 13038.52 | 172345.59 |
| 15 | 2026-01 | 13478.80 | 409.32 | 13069.48 | 159276.11 |
| 16 | 2026-02 | 13478.80 | 378.28 | 13100.52 | 146175.59 |
| 17 | 2026-03 | 13478.80 | 347.17 | 13131.64 | 133043.95 |
| 18 | 2026-04 | 13478.80 | 315.98 | 13162.82 | 119881.13 |
| 19 | 2026-05 | 13478.80 | 284.72 | 13194.08 | 106687.04 |
| 20 | 2026-06 | 13478.80 | 253.38 | 13225.42 | 93461.62 |
| 21 | 2026-07 | 13478.80 | 221.97 | 13256.83 | 80204.79 |
| 22 | 2026-08 | 13478.80 | 190.49 | 13288.32 | 66916.48 |
| 23 | 2026-09 | 13478.80 | 158.93 | 13319.88 | 53596.60 |
| 24 | 2026-10 | 13478.80 | 127.29 | 13351.51 | 40245.09 |
| 25 | 2026-11 | 13478.80 | 95.58 | 13383.22 | 26861.87 |
| 26 | 2026-12 | 13478.80 | 63.80 | 13415.01 | 13446.87 |
| 27 | 2027-01 | 13478.80 | 31.94 | 13446.87 | 0.00 |
等额本金还款方式：
贷款总额：35.21万
还款月数：2年3个月
首月还款：13876.98元
每月递减：30.97元
利息总额：1.17万
本息合计：36.38万
节省利息：120.34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 | 13876.98 | 836.24 | 13040.74 | 339059.26 |
| 2 | 2024-12 | 13846.01 | 805.27 | 13040.74 | 326018.52 |
| 3 | 2025-01 | 13815.03 | 774.29 | 13040.74 | 312977.78 |
| 4 | 2025-02 | 13784.06 | 743.32 | 13040.74 | 299937.04 |
| 5 | 2025-03 | 13753.09 | 712.35 | 13040.74 | 286896.30 |
| 6 | 2025-04 | 13722.12 | 681.38 | 13040.74 | 273855.56 |
| 7 | 2025-05 | 13691.15 | 650.41 | 13040.74 | 260814.81 |
| 8 | 2025-06 | 13660.18 | 619.44 | 13040.74 | 247774.07 |
| 9 | 2025-07 | 13629.20 | 588.46 | 13040.74 | 234733.33 |
| 10 | 2025-08 | 13598.23 | 557.49 | 13040.74 | 221692.59 |
| 11 | 2025-09 | 13567.26 | 526.52 | 13040.74 | 208651.85 |
| 12 | 2025-10 | 13536.29 | 495.55 | 13040.74 | 195611.11 |
| 13 | 2025-11 | 13505.32 | 464.58 | 13040.74 | 182570.37 |
| 14 | 2025-12 | 13474.35 | 433.60 | 13040.74 | 169529.63 |
| 15 | 2026-01 | 13443.37 | 402.63 | 13040.74 | 156488.89 |
| 16 | 2026-02 | 13412.40 | 371.66 | 13040.74 | 143448.15 |
| 17 | 2026-03 | 13381.43 | 340.69 | 13040.74 | 130407.41 |
| 18 | 2026-04 | 13350.46 | 309.72 | 13040.74 | 117366.67 |
| 19 | 2026-05 | 13319.49 | 278.75 | 13040.74 | 104325.93 |
| 20 | 2026-06 | 13288.51 | 247.77 | 13040.74 | 91285.19 |
| 21 | 2026-07 | 13257.54 | 216.80 | 13040.74 | 78244.44 |
| 22 | 2026-08 | 13226.57 | 185.83 | 13040.74 | 65203.70 |
| 23 | 2026-09 | 13195.60 | 154.86 | 13040.74 | 52162.96 |
| 24 | 2026-10 | 13164.63 | 123.89 | 13040.74 | 39122.22 |
| 25 | 2026-11 | 13133.66 | 92.92 | 13040.74 | 26081.48 |
| 26 | 2026-12 | 13102.68 | 61.94 | 13040.74 | 13040.74 |
| 27 | 2027-01 | 13071.71 | 30.97 | 13040.74 | 0.00 |