贷款12万（公积金贷款）房贷，还款2年6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：12万
还款月数：2年6个月
每月还款：4170.11元
利息总额：5103.35元
本息合计：12.51万
| 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 | 4170.11 | 325.00 | 3845.11 | 116154.89 |
| 2 | 2024-12 | 4170.11 | 314.59 | 3855.53 | 112299.36 |
| 3 | 2025-01 | 4170.11 | 304.14 | 3865.97 | 108433.40 |
| 4 | 2025-02 | 4170.11 | 293.67 | 3876.44 | 104556.96 |
| 5 | 2025-03 | 4170.11 | 283.18 | 3886.94 | 100670.02 |
| 6 | 2025-04 | 4170.11 | 272.65 | 3897.46 | 96772.56 |
| 7 | 2025-05 | 4170.11 | 262.09 | 3908.02 | 92864.54 |
| 8 | 2025-06 | 4170.11 | 251.51 | 3918.60 | 88945.94 |
| 9 | 2025-07 | 4170.11 | 240.90 | 3929.22 | 85016.72 |
| 10 | 2025-08 | 4170.11 | 230.25 | 3939.86 | 81076.86 |
| 11 | 2025-09 | 4170.11 | 219.58 | 3950.53 | 77126.33 |
| 12 | 2025-10 | 4170.11 | 208.88 | 3961.23 | 73165.11 |
| 13 | 2025-11 | 4170.11 | 198.16 | 3971.96 | 69193.15 |
| 14 | 2025-12 | 4170.11 | 187.40 | 3982.71 | 65210.44 |
| 15 | 2026-01 | 4170.11 | 176.61 | 3993.50 | 61216.94 |
| 16 | 2026-02 | 4170.11 | 165.80 | 4004.32 | 57212.62 |
| 17 | 2026-03 | 4170.11 | 154.95 | 4015.16 | 53197.46 |
| 18 | 2026-04 | 4170.11 | 144.08 | 4026.04 | 49171.42 |
| 19 | 2026-05 | 4170.11 | 133.17 | 4036.94 | 45134.49 |
| 20 | 2026-06 | 4170.11 | 122.24 | 4047.87 | 41086.61 |
| 21 | 2026-07 | 4170.11 | 111.28 | 4058.84 | 37027.78 |
| 22 | 2026-08 | 4170.11 | 100.28 | 4069.83 | 32957.95 |
| 23 | 2026-09 | 4170.11 | 89.26 | 4080.85 | 28877.10 |
| 24 | 2026-10 | 4170.11 | 78.21 | 4091.90 | 24785.20 |
| 25 | 2026-11 | 4170.11 | 67.13 | 4102.98 | 20682.21 |
| 26 | 2026-12 | 4170.11 | 56.01 | 4114.10 | 16568.11 |
| 27 | 2027-01 | 4170.11 | 44.87 | 4125.24 | 12442.87 |
| 28 | 2027-02 | 4170.11 | 33.70 | 4136.41 | 8306.46 |
| 29 | 2027-03 | 4170.11 | 22.50 | 4147.61 | 4158.85 |
| 30 | 2027-04 | 4170.11 | 11.26 | 4158.85 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：2年6个月
首月还款：4325元
每月递减：10.83元
利息总额：5037.5元
本息合计：12.5万
节省利息：65.85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 | 4325.00 | 325.00 | 4000.00 | 116000.00 |
| 2 | 2024-12 | 4314.17 | 314.17 | 4000.00 | 112000.00 |
| 3 | 2025-01 | 4303.33 | 303.33 | 4000.00 | 108000.00 |
| 4 | 2025-02 | 4292.50 | 292.50 | 4000.00 | 104000.00 |
| 5 | 2025-03 | 4281.67 | 281.67 | 4000.00 | 100000.00 |
| 6 | 2025-04 | 4270.83 | 270.83 | 4000.00 | 96000.00 |
| 7 | 2025-05 | 4260.00 | 260.00 | 4000.00 | 92000.00 |
| 8 | 2025-06 | 4249.17 | 249.17 | 4000.00 | 88000.00 |
| 9 | 2025-07 | 4238.33 | 238.33 | 4000.00 | 84000.00 |
| 10 | 2025-08 | 4227.50 | 227.50 | 4000.00 | 80000.00 |
| 11 | 2025-09 | 4216.67 | 216.67 | 4000.00 | 76000.00 |
| 12 | 2025-10 | 4205.83 | 205.83 | 4000.00 | 72000.00 |
| 13 | 2025-11 | 4195.00 | 195.00 | 4000.00 | 68000.00 |
| 14 | 2025-12 | 4184.17 | 184.17 | 4000.00 | 64000.00 |
| 15 | 2026-01 | 4173.33 | 173.33 | 4000.00 | 60000.00 |
| 16 | 2026-02 | 4162.50 | 162.50 | 4000.00 | 56000.00 |
| 17 | 2026-03 | 4151.67 | 151.67 | 4000.00 | 52000.00 |
| 18 | 2026-04 | 4140.83 | 140.83 | 4000.00 | 48000.00 |
| 19 | 2026-05 | 4130.00 | 130.00 | 4000.00 | 44000.00 |
| 20 | 2026-06 | 4119.17 | 119.17 | 4000.00 | 40000.00 |
| 21 | 2026-07 | 4108.33 | 108.33 | 4000.00 | 36000.00 |
| 22 | 2026-08 | 4097.50 | 97.50 | 4000.00 | 32000.00 |
| 23 | 2026-09 | 4086.67 | 86.67 | 4000.00 | 28000.00 |
| 24 | 2026-10 | 4075.83 | 75.83 | 4000.00 | 24000.00 |
| 25 | 2026-11 | 4065.00 | 65.00 | 4000.00 | 20000.00 |
| 26 | 2026-12 | 4054.17 | 54.17 | 4000.00 | 16000.00 |
| 27 | 2027-01 | 4043.33 | 43.33 | 4000.00 | 12000.00 |
| 28 | 2027-02 | 4032.50 | 32.50 | 4000.00 | 8000.00 |
| 29 | 2027-03 | 4021.67 | 21.67 | 4000.00 | 4000.00 |
| 30 | 2027-04 | 4010.83 | 10.83 | 4000.00 | 0.00 |