贷款22万（公积金贷款）房贷，还款3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：22万
还款月数：3年6个月
每月还款：5548.74元
利息总额：1.3万
本息合计：23.3万
| 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 | 5548.74 | 595.83 | 4952.91 | 215047.09 |
| 2 | 2024-12 | 5548.74 | 582.42 | 4966.32 | 210080.77 |
| 3 | 2025-01 | 5548.74 | 568.97 | 4979.77 | 205101.00 |
| 4 | 2025-02 | 5548.74 | 555.48 | 4993.26 | 200107.74 |
| 5 | 2025-03 | 5548.74 | 541.96 | 5006.78 | 195100.96 |
| 6 | 2025-04 | 5548.74 | 528.40 | 5020.34 | 190080.61 |
| 7 | 2025-05 | 5548.74 | 514.80 | 5033.94 | 185046.67 |
| 8 | 2025-06 | 5548.74 | 501.17 | 5047.57 | 179999.10 |
| 9 | 2025-07 | 5548.74 | 487.50 | 5061.24 | 174937.86 |
| 10 | 2025-08 | 5548.74 | 473.79 | 5074.95 | 169862.91 |
| 11 | 2025-09 | 5548.74 | 460.05 | 5088.70 | 164774.21 |
| 12 | 2025-10 | 5548.74 | 446.26 | 5102.48 | 159671.73 |
| 13 | 2025-11 | 5548.74 | 432.44 | 5116.30 | 154555.44 |
| 14 | 2025-12 | 5548.74 | 418.59 | 5130.15 | 149425.28 |
| 15 | 2026-01 | 5548.74 | 404.69 | 5144.05 | 144281.23 |
| 16 | 2026-02 | 5548.74 | 390.76 | 5157.98 | 139123.26 |
| 17 | 2026-03 | 5548.74 | 376.79 | 5171.95 | 133951.31 |
| 18 | 2026-04 | 5548.74 | 362.78 | 5185.96 | 128765.35 |
| 19 | 2026-05 | 5548.74 | 348.74 | 5200.00 | 123565.35 |
| 20 | 2026-06 | 5548.74 | 334.66 | 5214.08 | 118351.26 |
| 21 | 2026-07 | 5548.74 | 320.53 | 5228.21 | 113123.06 |
| 22 | 2026-08 | 5548.74 | 306.37 | 5242.37 | 107880.69 |
| 23 | 2026-09 | 5548.74 | 292.18 | 5256.56 | 102624.13 |
| 24 | 2026-10 | 5548.74 | 277.94 | 5270.80 | 97353.33 |
| 25 | 2026-11 | 5548.74 | 263.67 | 5285.08 | 92068.25 |
| 26 | 2026-12 | 5548.74 | 249.35 | 5299.39 | 86768.86 |
| 27 | 2027-01 | 5548.74 | 235.00 | 5313.74 | 81455.12 |
| 28 | 2027-02 | 5548.74 | 220.61 | 5328.13 | 76126.98 |
| 29 | 2027-03 | 5548.74 | 206.18 | 5342.56 | 70784.42 |
| 30 | 2027-04 | 5548.74 | 191.71 | 5357.03 | 65427.39 |
| 31 | 2027-05 | 5548.74 | 177.20 | 5371.54 | 60055.85 |
| 32 | 2027-06 | 5548.74 | 162.65 | 5386.09 | 54669.76 |
| 33 | 2027-07 | 5548.74 | 148.06 | 5400.68 | 49269.08 |
| 34 | 2027-08 | 5548.74 | 133.44 | 5415.30 | 43853.77 |
| 35 | 2027-09 | 5548.74 | 118.77 | 5429.97 | 38423.80 |
| 36 | 2027-10 | 5548.74 | 104.06 | 5444.68 | 32979.13 |
| 37 | 2027-11 | 5548.74 | 89.32 | 5459.42 | 27519.70 |
| 38 | 2027-12 | 5548.74 | 74.53 | 5474.21 | 22045.50 |
| 39 | 2028-01 | 5548.74 | 59.71 | 5489.03 | 16556.46 |
| 40 | 2028-02 | 5548.74 | 44.84 | 5503.90 | 11052.56 |
| 41 | 2028-03 | 5548.74 | 29.93 | 5518.81 | 5533.75 |
| 42 | 2028-04 | 5548.74 | 14.99 | 5533.75 | 0.00 |
等额本金还款方式：
贷款总额：22万
还款月数：3年6个月
首月还款：5833.93元
每月递减：14.19元
利息总额：1.28万
本息合计：23.28万
节省利息：236.71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 | 5833.93 | 595.83 | 5238.10 | 214761.90 |
| 2 | 2024-12 | 5819.74 | 581.65 | 5238.10 | 209523.81 |
| 3 | 2025-01 | 5805.56 | 567.46 | 5238.10 | 204285.71 |
| 4 | 2025-02 | 5791.37 | 553.27 | 5238.10 | 199047.62 |
| 5 | 2025-03 | 5777.18 | 539.09 | 5238.10 | 193809.52 |
| 6 | 2025-04 | 5763.00 | 524.90 | 5238.10 | 188571.43 |
| 7 | 2025-05 | 5748.81 | 510.71 | 5238.10 | 183333.33 |
| 8 | 2025-06 | 5734.62 | 496.53 | 5238.10 | 178095.24 |
| 9 | 2025-07 | 5720.44 | 482.34 | 5238.10 | 172857.14 |
| 10 | 2025-08 | 5706.25 | 468.15 | 5238.10 | 167619.05 |
| 11 | 2025-09 | 5692.06 | 453.97 | 5238.10 | 162380.95 |
| 12 | 2025-10 | 5677.88 | 439.78 | 5238.10 | 157142.86 |
| 13 | 2025-11 | 5663.69 | 425.60 | 5238.10 | 151904.76 |
| 14 | 2025-12 | 5649.50 | 411.41 | 5238.10 | 146666.67 |
| 15 | 2026-01 | 5635.32 | 397.22 | 5238.10 | 141428.57 |
| 16 | 2026-02 | 5621.13 | 383.04 | 5238.10 | 136190.48 |
| 17 | 2026-03 | 5606.94 | 368.85 | 5238.10 | 130952.38 |
| 18 | 2026-04 | 5592.76 | 354.66 | 5238.10 | 125714.29 |
| 19 | 2026-05 | 5578.57 | 340.48 | 5238.10 | 120476.19 |
| 20 | 2026-06 | 5564.38 | 326.29 | 5238.10 | 115238.10 |
| 21 | 2026-07 | 5550.20 | 312.10 | 5238.10 | 110000.00 |
| 22 | 2026-08 | 5536.01 | 297.92 | 5238.10 | 104761.90 |
| 23 | 2026-09 | 5521.83 | 283.73 | 5238.10 | 99523.81 |
| 24 | 2026-10 | 5507.64 | 269.54 | 5238.10 | 94285.71 |
| 25 | 2026-11 | 5493.45 | 255.36 | 5238.10 | 89047.62 |
| 26 | 2026-12 | 5479.27 | 241.17 | 5238.10 | 83809.52 |
| 27 | 2027-01 | 5465.08 | 226.98 | 5238.10 | 78571.43 |
| 28 | 2027-02 | 5450.89 | 212.80 | 5238.10 | 73333.33 |
| 29 | 2027-03 | 5436.71 | 198.61 | 5238.10 | 68095.24 |
| 30 | 2027-04 | 5422.52 | 184.42 | 5238.10 | 62857.14 |
| 31 | 2027-05 | 5408.33 | 170.24 | 5238.10 | 57619.05 |
| 32 | 2027-06 | 5394.15 | 156.05 | 5238.10 | 52380.95 |
| 33 | 2027-07 | 5379.96 | 141.87 | 5238.10 | 47142.86 |
| 34 | 2027-08 | 5365.77 | 127.68 | 5238.10 | 41904.76 |
| 35 | 2027-09 | 5351.59 | 113.49 | 5238.10 | 36666.67 |
| 36 | 2027-10 | 5337.40 | 99.31 | 5238.10 | 31428.57 |
| 37 | 2027-11 | 5323.21 | 85.12 | 5238.10 | 26190.48 |
| 38 | 2027-12 | 5309.03 | 70.93 | 5238.10 | 20952.38 |
| 39 | 2028-01 | 5294.84 | 56.75 | 5238.10 | 15714.29 |
| 40 | 2028-02 | 5280.65 | 42.56 | 5238.10 | 10476.19 |
| 41 | 2028-03 | 5266.47 | 28.37 | 5238.10 | 5238.10 |
| 42 | 2028-04 | 5252.28 | 14.19 | 5238.10 | 0.00 |