贷款70万（公积金贷款）房贷，还款2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：70万
还款月数：2年
每月还款：30071.37元
利息总额：2.17万
本息合计：72.17万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-07 | 30071.37 | 1720.83 | 28350.54 | 671649.46 |
| 2 | 2024-08 | 30071.37 | 1651.14 | 28420.23 | 643229.23 |
| 3 | 2024-09 | 30071.37 | 1581.27 | 28490.10 | 614739.14 |
| 4 | 2024-10 | 30071.37 | 1511.23 | 28560.14 | 586179.00 |
| 5 | 2024-11 | 30071.37 | 1441.02 | 28630.35 | 557548.65 |
| 6 | 2024-12 | 30071.37 | 1370.64 | 28700.73 | 528847.93 |
| 7 | 2025-01 | 30071.37 | 1300.08 | 28771.28 | 500076.64 |
| 8 | 2025-02 | 30071.37 | 1229.36 | 28842.01 | 471234.63 |
| 9 | 2025-03 | 30071.37 | 1158.45 | 28912.92 | 442321.71 |
| 10 | 2025-04 | 30071.37 | 1087.37 | 28984.00 | 413337.71 |
| 11 | 2025-05 | 30071.37 | 1016.12 | 29055.25 | 384282.47 |
| 12 | 2025-06 | 30071.37 | 944.69 | 29126.67 | 355155.79 |
| 13 | 2025-07 | 30071.37 | 873.09 | 29198.28 | 325957.51 |
| 14 | 2025-08 | 30071.37 | 801.31 | 29270.06 | 296687.46 |
| 15 | 2025-09 | 30071.37 | 729.36 | 29342.01 | 267345.44 |
| 16 | 2025-10 | 30071.37 | 657.22 | 29414.15 | 237931.30 |
| 17 | 2025-11 | 30071.37 | 584.91 | 29486.45 | 208444.84 |
| 18 | 2025-12 | 30071.37 | 512.43 | 29558.94 | 178885.90 |
| 19 | 2026-01 | 30071.37 | 439.76 | 29631.61 | 149254.29 |
| 20 | 2026-02 | 30071.37 | 366.92 | 29704.45 | 119549.84 |
| 21 | 2026-03 | 30071.37 | 293.89 | 29777.48 | 89772.37 |
| 22 | 2026-04 | 30071.37 | 220.69 | 29850.68 | 59921.69 |
| 23 | 2026-05 | 30071.37 | 147.31 | 29924.06 | 29997.63 |
| 24 | 2026-06 | 30071.37 | 73.74 | 29997.63 | 0.00 |
等额本金还款方式：
贷款总额：70万
还款月数：2年
首月还款：30887.5元
每月递减：71.7元
利息总额：2.15万
本息合计：72.15万
节省利息：202.45元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-07 | 30887.50 | 1720.83 | 29166.67 | 670833.33 |
| 2 | 2024-08 | 30815.80 | 1649.13 | 29166.67 | 641666.67 |
| 3 | 2024-09 | 30744.10 | 1577.43 | 29166.67 | 612500.00 |
| 4 | 2024-10 | 30672.40 | 1505.73 | 29166.67 | 583333.33 |
| 5 | 2024-11 | 30600.69 | 1434.03 | 29166.67 | 554166.67 |
| 6 | 2024-12 | 30528.99 | 1362.33 | 29166.67 | 525000.00 |
| 7 | 2025-01 | 30457.29 | 1290.63 | 29166.67 | 495833.33 |
| 8 | 2025-02 | 30385.59 | 1218.92 | 29166.67 | 466666.67 |
| 9 | 2025-03 | 30313.89 | 1147.22 | 29166.67 | 437500.00 |
| 10 | 2025-04 | 30242.19 | 1075.52 | 29166.67 | 408333.33 |
| 11 | 2025-05 | 30170.49 | 1003.82 | 29166.67 | 379166.67 |
| 12 | 2025-06 | 30098.78 | 932.12 | 29166.67 | 350000.00 |
| 13 | 2025-07 | 30027.08 | 860.42 | 29166.67 | 320833.33 |
| 14 | 2025-08 | 29955.38 | 788.72 | 29166.67 | 291666.67 |
| 15 | 2025-09 | 29883.68 | 717.01 | 29166.67 | 262500.00 |
| 16 | 2025-10 | 29811.98 | 645.31 | 29166.67 | 233333.33 |
| 17 | 2025-11 | 29740.28 | 573.61 | 29166.67 | 204166.67 |
| 18 | 2025-12 | 29668.58 | 501.91 | 29166.67 | 175000.00 |
| 19 | 2026-01 | 29596.88 | 430.21 | 29166.67 | 145833.33 |
| 20 | 2026-02 | 29525.17 | 358.51 | 29166.67 | 116666.67 |
| 21 | 2026-03 | 29453.47 | 286.81 | 29166.67 | 87500.00 |
| 22 | 2026-04 | 29381.77 | 215.10 | 29166.67 | 58333.33 |
| 23 | 2026-05 | 29310.07 | 143.40 | 29166.67 | 29166.67 |
| 24 | 2026-06 | 29238.37 | 71.70 | 29166.67 | 0.00 |