贷款85万（公积金贷款）房贷，还款3年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：85万
还款月数：3年
每月还款：24812.79元
利息总额：4.33万
本息合计：89.33万
| 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 | 24812.79 | 2302.08 | 22510.70 | 827489.30 |
| 2 | 2024-07 | 24812.79 | 2241.12 | 22571.67 | 804917.62 |
| 3 | 2024-08 | 24812.79 | 2179.99 | 22632.80 | 782284.82 |
| 4 | 2024-09 | 24812.79 | 2118.69 | 22694.10 | 759590.72 |
| 5 | 2024-10 | 24812.79 | 2057.22 | 22755.56 | 736835.16 |
| 6 | 2024-11 | 24812.79 | 1995.60 | 22817.19 | 714017.97 |
| 7 | 2024-12 | 24812.79 | 1933.80 | 22878.99 | 691138.98 |
| 8 | 2025-01 | 24812.79 | 1871.83 | 22940.95 | 668198.02 |
| 9 | 2025-02 | 24812.79 | 1809.70 | 23003.08 | 645194.94 |
| 10 | 2025-03 | 24812.79 | 1747.40 | 23065.38 | 622129.55 |
| 11 | 2025-04 | 24812.79 | 1684.93 | 23127.85 | 599001.70 |
| 12 | 2025-05 | 24812.79 | 1622.30 | 23190.49 | 575811.21 |
| 13 | 2025-06 | 24812.79 | 1559.49 | 23253.30 | 552557.91 |
| 14 | 2025-07 | 24812.79 | 1496.51 | 23316.28 | 529241.63 |
| 15 | 2025-08 | 24812.79 | 1433.36 | 23379.43 | 505862.21 |
| 16 | 2025-09 | 24812.79 | 1370.04 | 23442.74 | 482419.46 |
| 17 | 2025-10 | 24812.79 | 1306.55 | 23506.24 | 458913.23 |
| 18 | 2025-11 | 24812.79 | 1242.89 | 23569.90 | 435343.33 |
| 19 | 2025-12 | 24812.79 | 1179.05 | 23633.73 | 411709.60 |
| 20 | 2026-01 | 24812.79 | 1115.05 | 23697.74 | 388011.85 |
| 21 | 2026-02 | 24812.79 | 1050.87 | 23761.92 | 364249.93 |
| 22 | 2026-03 | 24812.79 | 986.51 | 23826.28 | 340423.65 |
| 23 | 2026-04 | 24812.79 | 921.98 | 23890.81 | 316532.85 |
| 24 | 2026-05 | 24812.79 | 857.28 | 23955.51 | 292577.34 |
| 25 | 2026-06 | 24812.79 | 792.40 | 24020.39 | 268556.95 |
| 26 | 2026-07 | 24812.79 | 727.34 | 24085.45 | 244471.50 |
| 27 | 2026-08 | 24812.79 | 662.11 | 24150.68 | 220320.82 |
| 28 | 2026-09 | 24812.79 | 596.70 | 24216.09 | 196104.74 |
| 29 | 2026-10 | 24812.79 | 531.12 | 24281.67 | 171823.06 |
| 30 | 2026-11 | 24812.79 | 465.35 | 24347.43 | 147475.63 |
| 31 | 2026-12 | 24812.79 | 399.41 | 24413.37 | 123062.26 |
| 32 | 2027-01 | 24812.79 | 333.29 | 24479.49 | 98582.76 |
| 33 | 2027-02 | 24812.79 | 266.99 | 24545.79 | 74036.97 |
| 34 | 2027-03 | 24812.79 | 200.52 | 24612.27 | 49424.70 |
| 35 | 2027-04 | 24812.79 | 133.86 | 24678.93 | 24745.77 |
| 36 | 2027-05 | 24812.79 | 67.02 | 24745.77 | 0.00 |
等额本金还款方式：
贷款总额：85万
还款月数：3年
首月还款：25913.19元
每月递减：63.95元
利息总额：4.26万
本息合计：89.26万
节省利息：671.82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 | 25913.19 | 2302.08 | 23611.11 | 826388.89 |
| 2 | 2024-07 | 25849.25 | 2238.14 | 23611.11 | 802777.78 |
| 3 | 2024-08 | 25785.30 | 2174.19 | 23611.11 | 779166.67 |
| 4 | 2024-09 | 25721.35 | 2110.24 | 23611.11 | 755555.56 |
| 5 | 2024-10 | 25657.41 | 2046.30 | 23611.11 | 731944.44 |
| 6 | 2024-11 | 25593.46 | 1982.35 | 23611.11 | 708333.33 |
| 7 | 2024-12 | 25529.51 | 1918.40 | 23611.11 | 684722.22 |
| 8 | 2025-01 | 25465.57 | 1854.46 | 23611.11 | 661111.11 |
| 9 | 2025-02 | 25401.62 | 1790.51 | 23611.11 | 637500.00 |
| 10 | 2025-03 | 25337.67 | 1726.56 | 23611.11 | 613888.89 |
| 11 | 2025-04 | 25273.73 | 1662.62 | 23611.11 | 590277.78 |
| 12 | 2025-05 | 25209.78 | 1598.67 | 23611.11 | 566666.67 |
| 13 | 2025-06 | 25145.83 | 1534.72 | 23611.11 | 543055.56 |
| 14 | 2025-07 | 25081.89 | 1470.78 | 23611.11 | 519444.44 |
| 15 | 2025-08 | 25017.94 | 1406.83 | 23611.11 | 495833.33 |
| 16 | 2025-09 | 24953.99 | 1342.88 | 23611.11 | 472222.22 |
| 17 | 2025-10 | 24890.05 | 1278.94 | 23611.11 | 448611.11 |
| 18 | 2025-11 | 24826.10 | 1214.99 | 23611.11 | 425000.00 |
| 19 | 2025-12 | 24762.15 | 1151.04 | 23611.11 | 401388.89 |
| 20 | 2026-01 | 24698.21 | 1087.09 | 23611.11 | 377777.78 |
| 21 | 2026-02 | 24634.26 | 1023.15 | 23611.11 | 354166.67 |
| 22 | 2026-03 | 24570.31 | 959.20 | 23611.11 | 330555.56 |
| 23 | 2026-04 | 24506.37 | 895.25 | 23611.11 | 306944.44 |
| 24 | 2026-05 | 24442.42 | 831.31 | 23611.11 | 283333.33 |
| 25 | 2026-06 | 24378.47 | 767.36 | 23611.11 | 259722.22 |
| 26 | 2026-07 | 24314.53 | 703.41 | 23611.11 | 236111.11 |
| 27 | 2026-08 | 24250.58 | 639.47 | 23611.11 | 212500.00 |
| 28 | 2026-09 | 24186.63 | 575.52 | 23611.11 | 188888.89 |
| 29 | 2026-10 | 24122.69 | 511.57 | 23611.11 | 165277.78 |
| 30 | 2026-11 | 24058.74 | 447.63 | 23611.11 | 141666.67 |
| 31 | 2026-12 | 23994.79 | 383.68 | 23611.11 | 118055.56 |
| 32 | 2027-01 | 23930.84 | 319.73 | 23611.11 | 94444.44 |
| 33 | 2027-02 | 23866.90 | 255.79 | 23611.11 | 70833.33 |
| 34 | 2027-03 | 23802.95 | 191.84 | 23611.11 | 47222.22 |
| 35 | 2027-04 | 23739.00 | 127.89 | 23611.11 | 23611.11 |
| 36 | 2027-05 | 23675.06 | 63.95 | 23611.11 | 0.00 |