贷款12万（公积金贷款）房贷，还款3年11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：12万
还款月数：3年11个月
每月还款：2726.31元
利息总额：8136.73元
本息合计：12.81万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 2726.31 | 332.00 | 2394.31 | 117605.69 |
| 2 | 2024-10 | 2726.31 | 325.38 | 2400.94 | 115204.75 |
| 3 | 2024-11 | 2726.31 | 318.73 | 2407.58 | 112797.17 |
| 4 | 2024-12 | 2726.31 | 312.07 | 2414.24 | 110382.93 |
| 5 | 2025-01 | 2726.31 | 305.39 | 2420.92 | 107962.01 |
| 6 | 2025-02 | 2726.31 | 298.69 | 2427.62 | 105534.39 |
| 7 | 2025-03 | 2726.31 | 291.98 | 2434.33 | 103100.05 |
| 8 | 2025-04 | 2726.31 | 285.24 | 2441.07 | 100658.98 |
| 9 | 2025-05 | 2726.31 | 278.49 | 2447.82 | 98211.16 |
| 10 | 2025-06 | 2726.31 | 271.72 | 2454.60 | 95756.56 |
| 11 | 2025-07 | 2726.31 | 264.93 | 2461.39 | 93295.18 |
| 12 | 2025-08 | 2726.31 | 258.12 | 2468.20 | 90826.98 |
| 13 | 2025-09 | 2726.31 | 251.29 | 2475.03 | 88351.96 |
| 14 | 2025-10 | 2726.31 | 244.44 | 2481.87 | 85870.08 |
| 15 | 2025-11 | 2726.31 | 237.57 | 2488.74 | 83381.34 |
| 16 | 2025-12 | 2726.31 | 230.69 | 2495.63 | 80885.72 |
| 17 | 2026-01 | 2726.31 | 223.78 | 2502.53 | 78383.19 |
| 18 | 2026-02 | 2726.31 | 216.86 | 2509.45 | 75873.73 |
| 19 | 2026-03 | 2726.31 | 209.92 | 2516.40 | 73357.34 |
| 20 | 2026-04 | 2726.31 | 202.96 | 2523.36 | 70833.98 |
| 21 | 2026-05 | 2726.31 | 195.97 | 2530.34 | 68303.64 |
| 22 | 2026-06 | 2726.31 | 188.97 | 2537.34 | 65766.30 |
| 23 | 2026-07 | 2726.31 | 181.95 | 2544.36 | 63221.94 |
| 24 | 2026-08 | 2726.31 | 174.91 | 2551.40 | 60670.54 |
| 25 | 2026-09 | 2726.31 | 167.86 | 2558.46 | 58112.08 |
| 26 | 2026-10 | 2726.31 | 160.78 | 2565.54 | 55546.55 |
| 27 | 2026-11 | 2726.31 | 153.68 | 2572.63 | 52973.91 |
| 28 | 2026-12 | 2726.31 | 146.56 | 2579.75 | 50394.16 |
| 29 | 2027-01 | 2726.31 | 139.42 | 2586.89 | 47807.27 |
| 30 | 2027-02 | 2726.31 | 132.27 | 2594.05 | 45213.22 |
| 31 | 2027-03 | 2726.31 | 125.09 | 2601.22 | 42612.00 |
| 32 | 2027-04 | 2726.31 | 117.89 | 2608.42 | 40003.58 |
| 33 | 2027-05 | 2726.31 | 110.68 | 2615.64 | 37387.94 |
| 34 | 2027-06 | 2726.31 | 103.44 | 2622.87 | 34765.07 |
| 35 | 2027-07 | 2726.31 | 96.18 | 2630.13 | 32134.94 |
| 36 | 2027-08 | 2726.31 | 88.91 | 2637.41 | 29497.53 |
| 37 | 2027-09 | 2726.31 | 81.61 | 2644.70 | 26852.83 |
| 38 | 2027-10 | 2726.31 | 74.29 | 2652.02 | 24200.81 |
| 39 | 2027-11 | 2726.31 | 66.96 | 2659.36 | 21541.45 |
| 40 | 2027-12 | 2726.31 | 59.60 | 2666.72 | 18874.74 |
| 41 | 2028-01 | 2726.31 | 52.22 | 2674.09 | 16200.64 |
| 42 | 2028-02 | 2726.31 | 44.82 | 2681.49 | 13519.15 |
| 43 | 2028-03 | 2726.31 | 37.40 | 2688.91 | 10830.24 |
| 44 | 2028-04 | 2726.31 | 29.96 | 2696.35 | 8133.89 |
| 45 | 2028-05 | 2726.31 | 22.50 | 2703.81 | 5430.08 |
| 46 | 2028-06 | 2726.31 | 15.02 | 2711.29 | 2718.79 |
| 47 | 2028-07 | 2726.31 | 7.52 | 2718.79 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：3年11个月
首月还款：2885.19元
每月递减：7.06元
利息总额：7968元
本息合计：12.8万
节省利息：168.73元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 2885.19 | 332.00 | 2553.19 | 117446.81 |
| 2 | 2024-10 | 2878.13 | 324.94 | 2553.19 | 114893.62 |
| 3 | 2024-11 | 2871.06 | 317.87 | 2553.19 | 112340.43 |
| 4 | 2024-12 | 2864.00 | 310.81 | 2553.19 | 109787.23 |
| 5 | 2025-01 | 2856.94 | 303.74 | 2553.19 | 107234.04 |
| 6 | 2025-02 | 2849.87 | 296.68 | 2553.19 | 104680.85 |
| 7 | 2025-03 | 2842.81 | 289.62 | 2553.19 | 102127.66 |
| 8 | 2025-04 | 2835.74 | 282.55 | 2553.19 | 99574.47 |
| 9 | 2025-05 | 2828.68 | 275.49 | 2553.19 | 97021.28 |
| 10 | 2025-06 | 2821.62 | 268.43 | 2553.19 | 94468.09 |
| 11 | 2025-07 | 2814.55 | 261.36 | 2553.19 | 91914.89 |
| 12 | 2025-08 | 2807.49 | 254.30 | 2553.19 | 89361.70 |
| 13 | 2025-09 | 2800.43 | 247.23 | 2553.19 | 86808.51 |
| 14 | 2025-10 | 2793.36 | 240.17 | 2553.19 | 84255.32 |
| 15 | 2025-11 | 2786.30 | 233.11 | 2553.19 | 81702.13 |
| 16 | 2025-12 | 2779.23 | 226.04 | 2553.19 | 79148.94 |
| 17 | 2026-01 | 2772.17 | 218.98 | 2553.19 | 76595.74 |
| 18 | 2026-02 | 2765.11 | 211.91 | 2553.19 | 74042.55 |
| 19 | 2026-03 | 2758.04 | 204.85 | 2553.19 | 71489.36 |
| 20 | 2026-04 | 2750.98 | 197.79 | 2553.19 | 68936.17 |
| 21 | 2026-05 | 2743.91 | 190.72 | 2553.19 | 66382.98 |
| 22 | 2026-06 | 2736.85 | 183.66 | 2553.19 | 63829.79 |
| 23 | 2026-07 | 2729.79 | 176.60 | 2553.19 | 61276.60 |
| 24 | 2026-08 | 2722.72 | 169.53 | 2553.19 | 58723.40 |
| 25 | 2026-09 | 2715.66 | 162.47 | 2553.19 | 56170.21 |
| 26 | 2026-10 | 2708.60 | 155.40 | 2553.19 | 53617.02 |
| 27 | 2026-11 | 2701.53 | 148.34 | 2553.19 | 51063.83 |
| 28 | 2026-12 | 2694.47 | 141.28 | 2553.19 | 48510.64 |
| 29 | 2027-01 | 2687.40 | 134.21 | 2553.19 | 45957.45 |
| 30 | 2027-02 | 2680.34 | 127.15 | 2553.19 | 43404.26 |
| 31 | 2027-03 | 2673.28 | 120.09 | 2553.19 | 40851.06 |
| 32 | 2027-04 | 2666.21 | 113.02 | 2553.19 | 38297.87 |
| 33 | 2027-05 | 2659.15 | 105.96 | 2553.19 | 35744.68 |
| 34 | 2027-06 | 2652.09 | 98.89 | 2553.19 | 33191.49 |
| 35 | 2027-07 | 2645.02 | 91.83 | 2553.19 | 30638.30 |
| 36 | 2027-08 | 2637.96 | 84.77 | 2553.19 | 28085.11 |
| 37 | 2027-09 | 2630.89 | 77.70 | 2553.19 | 25531.91 |
| 38 | 2027-10 | 2623.83 | 70.64 | 2553.19 | 22978.72 |
| 39 | 2027-11 | 2616.77 | 63.57 | 2553.19 | 20425.53 |
| 40 | 2027-12 | 2609.70 | 56.51 | 2553.19 | 17872.34 |
| 41 | 2028-01 | 2602.64 | 49.45 | 2553.19 | 15319.15 |
| 42 | 2028-02 | 2595.57 | 42.38 | 2553.19 | 12765.96 |
| 43 | 2028-03 | 2588.51 | 35.32 | 2553.19 | 10212.77 |
| 44 | 2028-04 | 2581.45 | 28.26 | 2553.19 | 7659.57 |
| 45 | 2028-05 | 2574.38 | 21.19 | 2553.19 | 5106.38 |
| 46 | 2028-06 | 2567.32 | 14.13 | 2553.19 | 2553.19 |
| 47 | 2028-07 | 2560.26 | 7.06 | 2553.19 | 0.00 |