贷款74万（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：74万
还款月数：2年6个月
每月还款：25666.68元
利息总额：3万
本息合计：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 | 2024-05 | 25666.68 | 1911.67 | 23755.01 | 716244.99 |
| 2 | 2024-06 | 25666.68 | 1850.30 | 23816.38 | 692428.61 |
| 3 | 2024-07 | 25666.68 | 1788.77 | 23877.90 | 668550.71 |
| 4 | 2024-08 | 25666.68 | 1727.09 | 23939.59 | 644611.12 |
| 5 | 2024-09 | 25666.68 | 1665.25 | 24001.43 | 620609.69 |
| 6 | 2024-10 | 25666.68 | 1603.24 | 24063.43 | 596546.26 |
| 7 | 2024-11 | 25666.68 | 1541.08 | 24125.60 | 572420.66 |
| 8 | 2024-12 | 25666.68 | 1478.75 | 24187.92 | 548232.74 |
| 9 | 2025-01 | 25666.68 | 1416.27 | 24250.41 | 523982.33 |
| 10 | 2025-02 | 25666.68 | 1353.62 | 24313.06 | 499669.27 |
| 11 | 2025-03 | 25666.68 | 1290.81 | 24375.86 | 475293.41 |
| 12 | 2025-04 | 25666.68 | 1227.84 | 24438.84 | 450854.57 |
| 13 | 2025-05 | 25666.68 | 1164.71 | 24501.97 | 426352.60 |
| 14 | 2025-06 | 25666.68 | 1101.41 | 24565.27 | 401787.34 |
| 15 | 2025-07 | 25666.68 | 1037.95 | 24628.73 | 377158.61 |
| 16 | 2025-08 | 25666.68 | 974.33 | 24692.35 | 352466.26 |
| 17 | 2025-09 | 25666.68 | 910.54 | 24756.14 | 327710.12 |
| 18 | 2025-10 | 25666.68 | 846.58 | 24820.09 | 302890.03 |
| 19 | 2025-11 | 25666.68 | 782.47 | 24884.21 | 278005.82 |
| 20 | 2025-12 | 25666.68 | 718.18 | 24948.49 | 253057.33 |
| 21 | 2026-01 | 25666.68 | 653.73 | 25012.95 | 228044.38 |
| 22 | 2026-02 | 25666.68 | 589.11 | 25077.56 | 202966.82 |
| 23 | 2026-03 | 25666.68 | 524.33 | 25142.35 | 177824.47 |
| 24 | 2026-04 | 25666.68 | 459.38 | 25207.30 | 152617.18 |
| 25 | 2026-05 | 25666.68 | 394.26 | 25272.42 | 127344.76 |
| 26 | 2026-06 | 25666.68 | 328.97 | 25337.70 | 102007.06 |
| 27 | 2026-07 | 25666.68 | 263.52 | 25403.16 | 76603.90 |
| 28 | 2026-08 | 25666.68 | 197.89 | 25468.78 | 51135.12 |
| 29 | 2026-09 | 25666.68 | 132.10 | 25534.58 | 25600.54 |
| 30 | 2026-10 | 25666.68 | 66.13 | 25600.54 | 0.00 |
等额本金还款方式：
贷款总额：74万
还款月数：2年6个月
首月还款：26578.33元
每月递减：63.72元
利息总额：2.96万
本息合计：76.96万
节省利息：369.46元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 26578.33 | 1911.67 | 24666.67 | 715333.33 |
| 2 | 2024-06 | 26514.61 | 1847.94 | 24666.67 | 690666.67 |
| 3 | 2024-07 | 26450.89 | 1784.22 | 24666.67 | 666000.00 |
| 4 | 2024-08 | 26387.17 | 1720.50 | 24666.67 | 641333.33 |
| 5 | 2024-09 | 26323.44 | 1656.78 | 24666.67 | 616666.67 |
| 6 | 2024-10 | 26259.72 | 1593.06 | 24666.67 | 592000.00 |
| 7 | 2024-11 | 26196.00 | 1529.33 | 24666.67 | 567333.33 |
| 8 | 2024-12 | 26132.28 | 1465.61 | 24666.67 | 542666.67 |
| 9 | 2025-01 | 26068.56 | 1401.89 | 24666.67 | 518000.00 |
| 10 | 2025-02 | 26004.83 | 1338.17 | 24666.67 | 493333.33 |
| 11 | 2025-03 | 25941.11 | 1274.44 | 24666.67 | 468666.67 |
| 12 | 2025-04 | 25877.39 | 1210.72 | 24666.67 | 444000.00 |
| 13 | 2025-05 | 25813.67 | 1147.00 | 24666.67 | 419333.33 |
| 14 | 2025-06 | 25749.94 | 1083.28 | 24666.67 | 394666.67 |
| 15 | 2025-07 | 25686.22 | 1019.56 | 24666.67 | 370000.00 |
| 16 | 2025-08 | 25622.50 | 955.83 | 24666.67 | 345333.33 |
| 17 | 2025-09 | 25558.78 | 892.11 | 24666.67 | 320666.67 |
| 18 | 2025-10 | 25495.06 | 828.39 | 24666.67 | 296000.00 |
| 19 | 2025-11 | 25431.33 | 764.67 | 24666.67 | 271333.33 |
| 20 | 2025-12 | 25367.61 | 700.94 | 24666.67 | 246666.67 |
| 21 | 2026-01 | 25303.89 | 637.22 | 24666.67 | 222000.00 |
| 22 | 2026-02 | 25240.17 | 573.50 | 24666.67 | 197333.33 |
| 23 | 2026-03 | 25176.44 | 509.78 | 24666.67 | 172666.67 |
| 24 | 2026-04 | 25112.72 | 446.06 | 24666.67 | 148000.00 |
| 25 | 2026-05 | 25049.00 | 382.33 | 24666.67 | 123333.33 |
| 26 | 2026-06 | 24985.28 | 318.61 | 24666.67 | 98666.67 |
| 27 | 2026-07 | 24921.56 | 254.89 | 24666.67 | 74000.00 |
| 28 | 2026-08 | 24857.83 | 191.17 | 24666.67 | 49333.33 |
| 29 | 2026-09 | 24794.11 | 127.44 | 24666.67 | 24666.67 |
| 30 | 2026-10 | 24730.39 | 63.72 | 24666.67 | 0.00 |