贷款13万（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：13万
还款月数：2年6个月
每月还款：4679.61元
利息总额：1.04万
本息合计：14.04万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 4679.61 | 654.33 | 4025.27 | 125974.73 |
| 2 | 2024-07 | 4679.61 | 634.07 | 4045.53 | 121929.19 |
| 3 | 2024-08 | 4679.61 | 613.71 | 4065.90 | 117863.30 |
| 4 | 2024-09 | 4679.61 | 593.25 | 4086.36 | 113776.94 |
| 5 | 2024-10 | 4679.61 | 572.68 | 4106.93 | 109670.01 |
| 6 | 2024-11 | 4679.61 | 552.01 | 4127.60 | 105542.41 |
| 7 | 2024-12 | 4679.61 | 531.23 | 4148.38 | 101394.03 |
| 8 | 2025-01 | 4679.61 | 510.35 | 4169.26 | 97224.77 |
| 9 | 2025-02 | 4679.61 | 489.36 | 4190.24 | 93034.53 |
| 10 | 2025-03 | 4679.61 | 468.27 | 4211.33 | 88823.20 |
| 11 | 2025-04 | 4679.61 | 447.08 | 4232.53 | 84590.67 |
| 12 | 2025-05 | 4679.61 | 425.77 | 4253.83 | 80336.84 |
| 13 | 2025-06 | 4679.61 | 404.36 | 4275.24 | 76061.59 |
| 14 | 2025-07 | 4679.61 | 382.84 | 4296.76 | 71764.83 |
| 15 | 2025-08 | 4679.61 | 361.22 | 4318.39 | 67446.44 |
| 16 | 2025-09 | 4679.61 | 339.48 | 4340.13 | 63106.31 |
| 17 | 2025-10 | 4679.61 | 317.64 | 4361.97 | 58744.34 |
| 18 | 2025-11 | 4679.61 | 295.68 | 4383.93 | 54360.42 |
| 19 | 2025-12 | 4679.61 | 273.61 | 4405.99 | 49954.42 |
| 20 | 2026-01 | 4679.61 | 251.44 | 4428.17 | 45526.25 |
| 21 | 2026-02 | 4679.61 | 229.15 | 4450.46 | 41075.80 |
| 22 | 2026-03 | 4679.61 | 206.75 | 4472.86 | 36602.94 |
| 23 | 2026-04 | 4679.61 | 184.23 | 4495.37 | 32107.57 |
| 24 | 2026-05 | 4679.61 | 161.61 | 4518.00 | 27589.57 |
| 25 | 2026-06 | 4679.61 | 138.87 | 4540.74 | 23048.83 |
| 26 | 2026-07 | 4679.61 | 116.01 | 4563.59 | 18485.24 |
| 27 | 2026-08 | 4679.61 | 93.04 | 4586.56 | 13898.67 |
| 28 | 2026-09 | 4679.61 | 69.96 | 4609.65 | 9289.02 |
| 29 | 2026-10 | 4679.61 | 46.75 | 4632.85 | 4656.17 |
| 30 | 2026-11 | 4679.61 | 23.44 | 4656.17 | 0.00 |
等额本金还款方式：
贷款总额：13万
还款月数：2年6个月
首月还款：4987.67元
每月递减：21.81元
利息总额：1.01万
本息合计：14.01万
节省利息：246.02元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 4987.67 | 654.33 | 4333.33 | 125666.67 |
| 2 | 2024-07 | 4965.86 | 632.52 | 4333.33 | 121333.33 |
| 3 | 2024-08 | 4944.04 | 610.71 | 4333.33 | 117000.00 |
| 4 | 2024-09 | 4922.23 | 588.90 | 4333.33 | 112666.67 |
| 5 | 2024-10 | 4900.42 | 567.09 | 4333.33 | 108333.33 |
| 6 | 2024-11 | 4878.61 | 545.28 | 4333.33 | 104000.00 |
| 7 | 2024-12 | 4856.80 | 523.47 | 4333.33 | 99666.67 |
| 8 | 2025-01 | 4834.99 | 501.66 | 4333.33 | 95333.33 |
| 9 | 2025-02 | 4813.18 | 479.84 | 4333.33 | 91000.00 |
| 10 | 2025-03 | 4791.37 | 458.03 | 4333.33 | 86666.67 |
| 11 | 2025-04 | 4769.56 | 436.22 | 4333.33 | 82333.33 |
| 12 | 2025-05 | 4747.74 | 414.41 | 4333.33 | 78000.00 |
| 13 | 2025-06 | 4725.93 | 392.60 | 4333.33 | 73666.67 |
| 14 | 2025-07 | 4704.12 | 370.79 | 4333.33 | 69333.33 |
| 15 | 2025-08 | 4682.31 | 348.98 | 4333.33 | 65000.00 |
| 16 | 2025-09 | 4660.50 | 327.17 | 4333.33 | 60666.67 |
| 17 | 2025-10 | 4638.69 | 305.36 | 4333.33 | 56333.33 |
| 18 | 2025-11 | 4616.88 | 283.54 | 4333.33 | 52000.00 |
| 19 | 2025-12 | 4595.07 | 261.73 | 4333.33 | 47666.67 |
| 20 | 2026-01 | 4573.26 | 239.92 | 4333.33 | 43333.33 |
| 21 | 2026-02 | 4551.44 | 218.11 | 4333.33 | 39000.00 |
| 22 | 2026-03 | 4529.63 | 196.30 | 4333.33 | 34666.67 |
| 23 | 2026-04 | 4507.82 | 174.49 | 4333.33 | 30333.33 |
| 24 | 2026-05 | 4486.01 | 152.68 | 4333.33 | 26000.00 |
| 25 | 2026-06 | 4464.20 | 130.87 | 4333.33 | 21666.67 |
| 26 | 2026-07 | 4442.39 | 109.06 | 4333.33 | 17333.33 |
| 27 | 2026-08 | 4420.58 | 87.24 | 4333.33 | 13000.00 |
| 28 | 2026-09 | 4398.77 | 65.43 | 4333.33 | 8666.67 |
| 29 | 2026-10 | 4376.96 | 43.62 | 4333.33 | 4333.33 |
| 30 | 2026-11 | 4355.14 | 21.81 | 4333.33 | 0.00 |