贷款116万（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：116万
还款月数：2年6个月
每月还款：40311.08元
利息总额：4.93万
本息合计：120.93万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 40311.08 | 3141.67 | 37169.41 | 1122830.59 |
| 2 | 2025-02 | 40311.08 | 3041.00 | 37270.08 | 1085560.51 |
| 3 | 2025-03 | 40311.08 | 2940.06 | 37371.02 | 1048189.49 |
| 4 | 2025-04 | 40311.08 | 2838.85 | 37472.23 | 1010717.26 |
| 5 | 2025-05 | 40311.08 | 2737.36 | 37573.72 | 973143.54 |
| 6 | 2025-06 | 40311.08 | 2635.60 | 37675.48 | 935468.06 |
| 7 | 2025-07 | 40311.08 | 2533.56 | 37777.52 | 897690.54 |
| 8 | 2025-08 | 40311.08 | 2431.25 | 37879.83 | 859810.71 |
| 9 | 2025-09 | 40311.08 | 2328.65 | 37982.42 | 821828.28 |
| 10 | 2025-10 | 40311.08 | 2225.78 | 38085.29 | 783742.99 |
| 11 | 2025-11 | 40311.08 | 2122.64 | 38188.44 | 745554.55 |
| 12 | 2025-12 | 40311.08 | 2019.21 | 38291.87 | 707262.68 |
| 13 | 2026-01 | 40311.08 | 1915.50 | 38395.58 | 668867.11 |
| 14 | 2026-02 | 40311.08 | 1811.52 | 38499.56 | 630367.54 |
| 15 | 2026-03 | 40311.08 | 1707.25 | 38603.83 | 591763.71 |
| 16 | 2026-04 | 40311.08 | 1602.69 | 38708.38 | 553055.33 |
| 17 | 2026-05 | 40311.08 | 1497.86 | 38813.22 | 514242.11 |
| 18 | 2026-06 | 40311.08 | 1392.74 | 38918.34 | 475323.77 |
| 19 | 2026-07 | 40311.08 | 1287.34 | 39023.74 | 436300.02 |
| 20 | 2026-08 | 40311.08 | 1181.65 | 39129.43 | 397170.59 |
| 21 | 2026-09 | 40311.08 | 1075.67 | 39235.41 | 357935.18 |
| 22 | 2026-10 | 40311.08 | 969.41 | 39341.67 | 318593.51 |
| 23 | 2026-11 | 40311.08 | 862.86 | 39448.22 | 279145.29 |
| 24 | 2026-12 | 40311.08 | 756.02 | 39555.06 | 239590.23 |
| 25 | 2027-01 | 40311.08 | 648.89 | 39662.19 | 199928.05 |
| 26 | 2027-02 | 40311.08 | 541.47 | 39769.61 | 160158.44 |
| 27 | 2027-03 | 40311.08 | 433.76 | 39877.32 | 120281.12 |
| 28 | 2027-04 | 40311.08 | 325.76 | 39985.32 | 80295.81 |
| 29 | 2027-05 | 40311.08 | 217.47 | 40093.61 | 40202.20 |
| 30 | 2027-06 | 40311.08 | 108.88 | 40202.20 | 0.00 |
等额本金还款方式：
贷款总额：116万
还款月数：2年6个月
首月还款：41808.33元
每月递减：104.72元
利息总额：4.87万
本息合计：120.87万
节省利息：636.51元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 41808.33 | 3141.67 | 38666.67 | 1121333.33 |
| 2 | 2025-02 | 41703.61 | 3036.94 | 38666.67 | 1082666.67 |
| 3 | 2025-03 | 41598.89 | 2932.22 | 38666.67 | 1044000.00 |
| 4 | 2025-04 | 41494.17 | 2827.50 | 38666.67 | 1005333.33 |
| 5 | 2025-05 | 41389.44 | 2722.78 | 38666.67 | 966666.67 |
| 6 | 2025-06 | 41284.72 | 2618.06 | 38666.67 | 928000.00 |
| 7 | 2025-07 | 41180.00 | 2513.33 | 38666.67 | 889333.33 |
| 8 | 2025-08 | 41075.28 | 2408.61 | 38666.67 | 850666.67 |
| 9 | 2025-09 | 40970.56 | 2303.89 | 38666.67 | 812000.00 |
| 10 | 2025-10 | 40865.83 | 2199.17 | 38666.67 | 773333.33 |
| 11 | 2025-11 | 40761.11 | 2094.44 | 38666.67 | 734666.67 |
| 12 | 2025-12 | 40656.39 | 1989.72 | 38666.67 | 696000.00 |
| 13 | 2026-01 | 40551.67 | 1885.00 | 38666.67 | 657333.33 |
| 14 | 2026-02 | 40446.94 | 1780.28 | 38666.67 | 618666.67 |
| 15 | 2026-03 | 40342.22 | 1675.56 | 38666.67 | 580000.00 |
| 16 | 2026-04 | 40237.50 | 1570.83 | 38666.67 | 541333.33 |
| 17 | 2026-05 | 40132.78 | 1466.11 | 38666.67 | 502666.67 |
| 18 | 2026-06 | 40028.06 | 1361.39 | 38666.67 | 464000.00 |
| 19 | 2026-07 | 39923.33 | 1256.67 | 38666.67 | 425333.33 |
| 20 | 2026-08 | 39818.61 | 1151.94 | 38666.67 | 386666.67 |
| 21 | 2026-09 | 39713.89 | 1047.22 | 38666.67 | 348000.00 |
| 22 | 2026-10 | 39609.17 | 942.50 | 38666.67 | 309333.33 |
| 23 | 2026-11 | 39504.44 | 837.78 | 38666.67 | 270666.67 |
| 24 | 2026-12 | 39399.72 | 733.06 | 38666.67 | 232000.00 |
| 25 | 2027-01 | 39295.00 | 628.33 | 38666.67 | 193333.33 |
| 26 | 2027-02 | 39190.28 | 523.61 | 38666.67 | 154666.67 |
| 27 | 2027-03 | 39085.56 | 418.89 | 38666.67 | 116000.00 |
| 28 | 2027-04 | 38980.83 | 314.17 | 38666.67 | 77333.33 |
| 29 | 2027-05 | 38876.11 | 209.44 | 38666.67 | 38666.67 |
| 30 | 2027-06 | 38771.39 | 104.72 | 38666.67 | 0.00 |