贷款10.08万（公积金贷款）房贷，还款2年9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：10.08万
还款月数：2年9个月
每月还款：3177.96元
利息总额：4119.37元
本息合计：10.49万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-09 | 3177.96 | 239.29 | 2938.67 | 97814.50 |
| 2 | 2026-10 | 3177.96 | 232.31 | 2945.65 | 94868.86 |
| 3 | 2026-11 | 3177.96 | 225.31 | 2952.64 | 91916.21 |
| 4 | 2026-12 | 3177.96 | 218.30 | 2959.65 | 88956.56 |
| 5 | 2027-01 | 3177.96 | 211.27 | 2966.68 | 85989.88 |
| 6 | 2027-02 | 3177.96 | 204.23 | 2973.73 | 83016.15 |
| 7 | 2027-03 | 3177.96 | 197.16 | 2980.79 | 80035.35 |
| 8 | 2027-04 | 3177.96 | 190.08 | 2987.87 | 77047.48 |
| 9 | 2027-05 | 3177.96 | 182.99 | 2994.97 | 74052.51 |
| 10 | 2027-06 | 3177.96 | 175.87 | 3002.08 | 71050.43 |
| 11 | 2027-07 | 3177.96 | 168.74 | 3009.21 | 68041.22 |
| 12 | 2027-08 | 3177.96 | 161.60 | 3016.36 | 65024.86 |
| 13 | 2027-09 | 3177.96 | 154.43 | 3023.52 | 62001.34 |
| 14 | 2027-10 | 3177.96 | 147.25 | 3030.70 | 58970.64 |
| 15 | 2027-11 | 3177.96 | 140.06 | 3037.90 | 55932.74 |
| 16 | 2027-12 | 3177.96 | 132.84 | 3045.12 | 52887.62 |
| 17 | 2028-01 | 3177.96 | 125.61 | 3052.35 | 49835.28 |
| 18 | 2028-02 | 3177.96 | 118.36 | 3059.60 | 46775.68 |
| 19 | 2028-03 | 3177.96 | 111.09 | 3066.86 | 43708.82 |
| 20 | 2028-04 | 3177.96 | 103.81 | 3074.15 | 40634.67 |
| 21 | 2028-05 | 3177.96 | 96.51 | 3081.45 | 37553.22 |
| 22 | 2028-06 | 3177.96 | 89.19 | 3088.77 | 34464.45 |
| 23 | 2028-07 | 3177.96 | 81.85 | 3096.10 | 31368.35 |
| 24 | 2028-08 | 3177.96 | 74.50 | 3103.46 | 28264.89 |
| 25 | 2028-09 | 3177.96 | 67.13 | 3110.83 | 25154.07 |
| 26 | 2028-10 | 3177.96 | 59.74 | 3118.21 | 22035.85 |
| 27 | 2028-11 | 3177.96 | 52.34 | 3125.62 | 18910.23 |
| 28 | 2028-12 | 3177.96 | 44.91 | 3133.04 | 15777.19 |
| 29 | 2029-01 | 3177.96 | 37.47 | 3140.48 | 12636.70 |
| 30 | 2029-02 | 3177.96 | 30.01 | 3147.94 | 9488.76 |
| 31 | 2029-03 | 3177.96 | 22.54 | 3155.42 | 6333.34 |
| 32 | 2029-04 | 3177.96 | 15.04 | 3162.91 | 3170.43 |
| 33 | 2029-05 | 3177.96 | 7.53 | 3170.43 | 0.00 |
等额本金还款方式：
贷款总额：10.08万
还款月数：2年9个月
首月还款：3292.42元
每月递减：7.25元
利息总额：4067.91元
本息合计：10.48万
节省利息：51.46元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-09 | 3292.42 | 239.29 | 3053.13 | 97700.04 |
| 2 | 2026-10 | 3285.16 | 232.04 | 3053.13 | 94646.92 |
| 3 | 2026-11 | 3277.91 | 224.79 | 3053.13 | 91593.79 |
| 4 | 2026-12 | 3270.66 | 217.54 | 3053.13 | 88540.66 |
| 5 | 2027-01 | 3263.41 | 210.28 | 3053.13 | 85487.54 |
| 6 | 2027-02 | 3256.16 | 203.03 | 3053.13 | 82434.41 |
| 7 | 2027-03 | 3248.91 | 195.78 | 3053.13 | 79381.29 |
| 8 | 2027-04 | 3241.66 | 188.53 | 3053.13 | 76328.16 |
| 9 | 2027-05 | 3234.41 | 181.28 | 3053.13 | 73275.03 |
| 10 | 2027-06 | 3227.15 | 174.03 | 3053.13 | 70221.91 |
| 11 | 2027-07 | 3219.90 | 166.78 | 3053.13 | 67168.78 |
| 12 | 2027-08 | 3212.65 | 159.53 | 3053.13 | 64115.65 |
| 13 | 2027-09 | 3205.40 | 152.27 | 3053.13 | 61062.53 |
| 14 | 2027-10 | 3198.15 | 145.02 | 3053.13 | 58009.40 |
| 15 | 2027-11 | 3190.90 | 137.77 | 3053.13 | 54956.27 |
| 16 | 2027-12 | 3183.65 | 130.52 | 3053.13 | 51903.15 |
| 17 | 2028-01 | 3176.40 | 123.27 | 3053.13 | 48850.02 |
| 18 | 2028-02 | 3169.15 | 116.02 | 3053.13 | 45796.90 |
| 19 | 2028-03 | 3161.89 | 108.77 | 3053.13 | 42743.77 |
| 20 | 2028-04 | 3154.64 | 101.52 | 3053.13 | 39690.64 |
| 21 | 2028-05 | 3147.39 | 94.27 | 3053.13 | 36637.52 |
| 22 | 2028-06 | 3140.14 | 87.01 | 3053.13 | 33584.39 |
| 23 | 2028-07 | 3132.89 | 79.76 | 3053.13 | 30531.26 |
| 24 | 2028-08 | 3125.64 | 72.51 | 3053.13 | 27478.14 |
| 25 | 2028-09 | 3118.39 | 65.26 | 3053.13 | 24425.01 |
| 26 | 2028-10 | 3111.14 | 58.01 | 3053.13 | 21371.88 |
| 27 | 2028-11 | 3103.88 | 50.76 | 3053.13 | 18318.76 |
| 28 | 2028-12 | 3096.63 | 43.51 | 3053.13 | 15265.63 |
| 29 | 2029-01 | 3089.38 | 36.26 | 3053.13 | 12212.51 |
| 30 | 2029-02 | 3082.13 | 29.00 | 3053.13 | 9159.38 |
| 31 | 2029-03 | 3074.88 | 21.75 | 3053.13 | 6106.25 |
| 32 | 2029-04 | 3067.63 | 14.50 | 3053.13 | 3053.13 |
| 33 | 2029-05 | 3060.38 | 7.25 | 3053.13 | 0.00 |