贷款10.08万（公积金贷款）房贷，还款2年8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8个月
每月还款：3273.43元
利息总额：3996.65元
本息合计：10.47万
| 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 | 3273.43 | 239.29 | 3034.14 | 97719.03 |
| 2 | 2026-10 | 3273.43 | 232.08 | 3041.35 | 94677.68 |
| 3 | 2026-11 | 3273.43 | 224.86 | 3048.57 | 91629.11 |
| 4 | 2026-12 | 3273.43 | 217.62 | 3055.81 | 88573.29 |
| 5 | 2027-01 | 3273.43 | 210.36 | 3063.07 | 85510.22 |
| 6 | 2027-02 | 3273.43 | 203.09 | 3070.35 | 82439.88 |
| 7 | 2027-03 | 3273.43 | 195.79 | 3077.64 | 79362.24 |
| 8 | 2027-04 | 3273.43 | 188.49 | 3084.95 | 76277.29 |
| 9 | 2027-05 | 3273.43 | 181.16 | 3092.27 | 73185.02 |
| 10 | 2027-06 | 3273.43 | 173.81 | 3099.62 | 70085.40 |
| 11 | 2027-07 | 3273.43 | 166.45 | 3106.98 | 66978.42 |
| 12 | 2027-08 | 3273.43 | 159.07 | 3114.36 | 63864.07 |
| 13 | 2027-09 | 3273.43 | 151.68 | 3121.75 | 60742.31 |
| 14 | 2027-10 | 3273.43 | 144.26 | 3129.17 | 57613.14 |
| 15 | 2027-11 | 3273.43 | 136.83 | 3136.60 | 54476.54 |
| 16 | 2027-12 | 3273.43 | 129.38 | 3144.05 | 51332.49 |
| 17 | 2028-01 | 3273.43 | 121.91 | 3151.52 | 48180.97 |
| 18 | 2028-02 | 3273.43 | 114.43 | 3159.00 | 45021.97 |
| 19 | 2028-03 | 3273.43 | 106.93 | 3166.50 | 41855.47 |
| 20 | 2028-04 | 3273.43 | 99.41 | 3174.03 | 38681.44 |
| 21 | 2028-05 | 3273.43 | 91.87 | 3181.56 | 35499.88 |
| 22 | 2028-06 | 3273.43 | 84.31 | 3189.12 | 32310.76 |
| 23 | 2028-07 | 3273.43 | 76.74 | 3196.69 | 29114.06 |
| 24 | 2028-08 | 3273.43 | 69.15 | 3204.29 | 25909.78 |
| 25 | 2028-09 | 3273.43 | 61.54 | 3211.90 | 22697.88 |
| 26 | 2028-10 | 3273.43 | 53.91 | 3219.52 | 19478.36 |
| 27 | 2028-11 | 3273.43 | 46.26 | 3227.17 | 16251.19 |
| 28 | 2028-12 | 3273.43 | 38.60 | 3234.84 | 13016.35 |
| 29 | 2029-01 | 3273.43 | 30.91 | 3242.52 | 9773.83 |
| 30 | 2029-02 | 3273.43 | 23.21 | 3250.22 | 6523.61 |
| 31 | 2029-03 | 3273.43 | 15.49 | 3257.94 | 3265.68 |
| 32 | 2029-04 | 3273.43 | 7.76 | 3265.68 | 0.00 |
等额本金还款方式：
贷款总额：10.08万
还款月数：2年8个月
首月还款：3387.83元
每月递减：7.48元
利息总额：3948.26元
本息合计：10.47万
节省利息：48.39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 | 3387.83 | 239.29 | 3148.54 | 97604.63 |
| 2 | 2026-10 | 3380.35 | 231.81 | 3148.54 | 94456.10 |
| 3 | 2026-11 | 3372.87 | 224.33 | 3148.54 | 91307.56 |
| 4 | 2026-12 | 3365.39 | 216.86 | 3148.54 | 88159.02 |
| 5 | 2027-01 | 3357.91 | 209.38 | 3148.54 | 85010.49 |
| 6 | 2027-02 | 3350.44 | 201.90 | 3148.54 | 81861.95 |
| 7 | 2027-03 | 3342.96 | 194.42 | 3148.54 | 78713.41 |
| 8 | 2027-04 | 3335.48 | 186.94 | 3148.54 | 75564.88 |
| 9 | 2027-05 | 3328.00 | 179.47 | 3148.54 | 72416.34 |
| 10 | 2027-06 | 3320.53 | 171.99 | 3148.54 | 69267.80 |
| 11 | 2027-07 | 3313.05 | 164.51 | 3148.54 | 66119.27 |
| 12 | 2027-08 | 3305.57 | 157.03 | 3148.54 | 62970.73 |
| 13 | 2027-09 | 3298.09 | 149.56 | 3148.54 | 59822.19 |
| 14 | 2027-10 | 3290.61 | 142.08 | 3148.54 | 56673.66 |
| 15 | 2027-11 | 3283.14 | 134.60 | 3148.54 | 53525.12 |
| 16 | 2027-12 | 3275.66 | 127.12 | 3148.54 | 50376.58 |
| 17 | 2028-01 | 3268.18 | 119.64 | 3148.54 | 47228.05 |
| 18 | 2028-02 | 3260.70 | 112.17 | 3148.54 | 44079.51 |
| 19 | 2028-03 | 3253.23 | 104.69 | 3148.54 | 40930.98 |
| 20 | 2028-04 | 3245.75 | 97.21 | 3148.54 | 37782.44 |
| 21 | 2028-05 | 3238.27 | 89.73 | 3148.54 | 34633.90 |
| 22 | 2028-06 | 3230.79 | 82.26 | 3148.54 | 31485.37 |
| 23 | 2028-07 | 3223.31 | 74.78 | 3148.54 | 28336.83 |
| 24 | 2028-08 | 3215.84 | 67.30 | 3148.54 | 25188.29 |
| 25 | 2028-09 | 3208.36 | 59.82 | 3148.54 | 22039.76 |
| 26 | 2028-10 | 3200.88 | 52.34 | 3148.54 | 18891.22 |
| 27 | 2028-11 | 3193.40 | 44.87 | 3148.54 | 15742.68 |
| 28 | 2028-12 | 3185.93 | 37.39 | 3148.54 | 12594.15 |
| 29 | 2029-01 | 3178.45 | 29.91 | 3148.54 | 9445.61 |
| 30 | 2029-02 | 3170.97 | 22.43 | 3148.54 | 6297.07 |
| 31 | 2029-03 | 3163.49 | 14.96 | 3148.54 | 3148.54 |
| 32 | 2029-04 | 3156.01 | 7.48 | 3148.54 | 0.00 |