贷款10.08万（公积金贷款）房贷，还款2年7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7个月
每月还款：3375.07元
利息总额：3874.03元
本息合计：10.46万
| 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 | 3375.07 | 239.29 | 3135.78 | 97617.39 |
| 2 | 2026-10 | 3375.07 | 231.84 | 3143.23 | 94474.16 |
| 3 | 2026-11 | 3375.07 | 224.38 | 3150.69 | 91323.46 |
| 4 | 2026-12 | 3375.07 | 216.89 | 3158.18 | 88165.29 |
| 5 | 2027-01 | 3375.07 | 209.39 | 3165.68 | 84999.61 |
| 6 | 2027-02 | 3375.07 | 201.87 | 3173.20 | 81826.41 |
| 7 | 2027-03 | 3375.07 | 194.34 | 3180.73 | 78645.68 |
| 8 | 2027-04 | 3375.07 | 186.78 | 3188.29 | 75457.39 |
| 9 | 2027-05 | 3375.07 | 179.21 | 3195.86 | 72261.53 |
| 10 | 2027-06 | 3375.07 | 171.62 | 3203.45 | 69058.08 |
| 11 | 2027-07 | 3375.07 | 164.01 | 3211.06 | 65847.02 |
| 12 | 2027-08 | 3375.07 | 156.39 | 3218.68 | 62628.34 |
| 13 | 2027-09 | 3375.07 | 148.74 | 3226.33 | 59402.01 |
| 14 | 2027-10 | 3375.07 | 141.08 | 3233.99 | 56168.02 |
| 15 | 2027-11 | 3375.07 | 133.40 | 3241.67 | 52926.35 |
| 16 | 2027-12 | 3375.07 | 125.70 | 3249.37 | 49676.98 |
| 17 | 2028-01 | 3375.07 | 117.98 | 3257.09 | 46419.89 |
| 18 | 2028-02 | 3375.07 | 110.25 | 3264.82 | 43155.06 |
| 19 | 2028-03 | 3375.07 | 102.49 | 3272.58 | 39882.49 |
| 20 | 2028-04 | 3375.07 | 94.72 | 3280.35 | 36602.14 |
| 21 | 2028-05 | 3375.07 | 86.93 | 3288.14 | 33314.00 |
| 22 | 2028-06 | 3375.07 | 79.12 | 3295.95 | 30018.05 |
| 23 | 2028-07 | 3375.07 | 71.29 | 3303.78 | 26714.27 |
| 24 | 2028-08 | 3375.07 | 63.45 | 3311.62 | 23402.64 |
| 25 | 2028-09 | 3375.07 | 55.58 | 3319.49 | 20083.15 |
| 26 | 2028-10 | 3375.07 | 47.70 | 3327.37 | 16755.78 |
| 27 | 2028-11 | 3375.07 | 39.79 | 3335.28 | 13420.50 |
| 28 | 2028-12 | 3375.07 | 31.87 | 3343.20 | 10077.31 |
| 29 | 2029-01 | 3375.07 | 23.93 | 3351.14 | 6726.17 |
| 30 | 2029-02 | 3375.07 | 15.97 | 3359.10 | 3367.07 |
| 31 | 2029-03 | 3375.07 | 8.00 | 3367.07 | 0.00 |
等额本金还款方式：
贷款总额：10.08万
还款月数：2年7个月
首月还款：3489.39元
每月递减：7.72元
利息总额：3828.62元
本息合计：10.46万
节省利息：45.41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 | 3489.39 | 239.29 | 3250.10 | 97503.07 |
| 2 | 2026-10 | 3481.67 | 231.57 | 3250.10 | 94252.97 |
| 3 | 2026-11 | 3473.95 | 223.85 | 3250.10 | 91002.86 |
| 4 | 2026-12 | 3466.23 | 216.13 | 3250.10 | 87752.76 |
| 5 | 2027-01 | 3458.52 | 208.41 | 3250.10 | 84502.66 |
| 6 | 2027-02 | 3450.80 | 200.69 | 3250.10 | 81252.56 |
| 7 | 2027-03 | 3443.08 | 192.97 | 3250.10 | 78002.45 |
| 8 | 2027-04 | 3435.36 | 185.26 | 3250.10 | 74752.35 |
| 9 | 2027-05 | 3427.64 | 177.54 | 3250.10 | 71502.25 |
| 10 | 2027-06 | 3419.92 | 169.82 | 3250.10 | 68252.15 |
| 11 | 2027-07 | 3412.20 | 162.10 | 3250.10 | 65002.05 |
| 12 | 2027-08 | 3404.48 | 154.38 | 3250.10 | 61751.94 |
| 13 | 2027-09 | 3396.76 | 146.66 | 3250.10 | 58501.84 |
| 14 | 2027-10 | 3389.04 | 138.94 | 3250.10 | 55251.74 |
| 15 | 2027-11 | 3381.33 | 131.22 | 3250.10 | 52001.64 |
| 16 | 2027-12 | 3373.61 | 123.50 | 3250.10 | 48751.53 |
| 17 | 2028-01 | 3365.89 | 115.78 | 3250.10 | 45501.43 |
| 18 | 2028-02 | 3358.17 | 108.07 | 3250.10 | 42251.33 |
| 19 | 2028-03 | 3350.45 | 100.35 | 3250.10 | 39001.23 |
| 20 | 2028-04 | 3342.73 | 92.63 | 3250.10 | 35751.12 |
| 21 | 2028-05 | 3335.01 | 84.91 | 3250.10 | 32501.02 |
| 22 | 2028-06 | 3327.29 | 77.19 | 3250.10 | 29250.92 |
| 23 | 2028-07 | 3319.57 | 69.47 | 3250.10 | 26000.82 |
| 24 | 2028-08 | 3311.85 | 61.75 | 3250.10 | 22750.72 |
| 25 | 2028-09 | 3304.14 | 54.03 | 3250.10 | 19500.61 |
| 26 | 2028-10 | 3296.42 | 46.31 | 3250.10 | 16250.51 |
| 27 | 2028-11 | 3288.70 | 38.59 | 3250.10 | 13000.41 |
| 28 | 2028-12 | 3280.98 | 30.88 | 3250.10 | 9750.31 |
| 29 | 2029-01 | 3273.26 | 23.16 | 3250.10 | 6500.20 |
| 30 | 2029-02 | 3265.54 | 15.44 | 3250.10 | 3250.10 |
| 31 | 2029-03 | 3257.82 | 7.72 | 3250.10 | 0.00 |