贷款120万（公积金贷款）房贷，还款3年6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：120万
还款月数：3年6个月
每月还款：29922.06元
利息总额：5.67万
本息合计：125.67万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 29922.06 | 2600.00 | 27322.06 | 1172677.94 |
| 2 | 2025-06 | 29922.06 | 2540.80 | 27381.26 | 1145296.68 |
| 3 | 2025-07 | 29922.06 | 2481.48 | 27440.59 | 1117856.09 |
| 4 | 2025-08 | 29922.06 | 2422.02 | 27500.04 | 1090356.05 |
| 5 | 2025-09 | 29922.06 | 2362.44 | 27559.62 | 1062796.43 |
| 6 | 2025-10 | 29922.06 | 2302.73 | 27619.34 | 1035177.09 |
| 7 | 2025-11 | 29922.06 | 2242.88 | 27679.18 | 1007497.91 |
| 8 | 2025-12 | 29922.06 | 2182.91 | 27739.15 | 979758.76 |
| 9 | 2026-01 | 29922.06 | 2122.81 | 27799.25 | 951959.51 |
| 10 | 2026-02 | 29922.06 | 2062.58 | 27859.48 | 924100.02 |
| 11 | 2026-03 | 29922.06 | 2002.22 | 27919.85 | 896180.18 |
| 12 | 2026-04 | 29922.06 | 1941.72 | 27980.34 | 868199.84 |
| 13 | 2026-05 | 29922.06 | 1881.10 | 28040.96 | 840158.88 |
| 14 | 2026-06 | 29922.06 | 1820.34 | 28101.72 | 812057.16 |
| 15 | 2026-07 | 29922.06 | 1759.46 | 28162.61 | 783894.55 |
| 16 | 2026-08 | 29922.06 | 1698.44 | 28223.62 | 755670.93 |
| 17 | 2026-09 | 29922.06 | 1637.29 | 28284.78 | 727386.15 |
| 18 | 2026-10 | 29922.06 | 1576.00 | 28346.06 | 699040.10 |
| 19 | 2026-11 | 29922.06 | 1514.59 | 28407.48 | 670632.62 |
| 20 | 2026-12 | 29922.06 | 1453.04 | 28469.03 | 642163.59 |
| 21 | 2027-01 | 29922.06 | 1391.35 | 28530.71 | 613632.89 |
| 22 | 2027-02 | 29922.06 | 1329.54 | 28592.52 | 585040.36 |
| 23 | 2027-03 | 29922.06 | 1267.59 | 28654.47 | 556385.89 |
| 24 | 2027-04 | 29922.06 | 1205.50 | 28716.56 | 527669.33 |
| 25 | 2027-05 | 29922.06 | 1143.28 | 28778.78 | 498890.55 |
| 26 | 2027-06 | 29922.06 | 1080.93 | 28841.13 | 470049.42 |
| 27 | 2027-07 | 29922.06 | 1018.44 | 28903.62 | 441145.79 |
| 28 | 2027-08 | 29922.06 | 955.82 | 28966.25 | 412179.55 |
| 29 | 2027-09 | 29922.06 | 893.06 | 29029.01 | 383150.54 |
| 30 | 2027-10 | 29922.06 | 830.16 | 29091.90 | 354058.64 |
| 31 | 2027-11 | 29922.06 | 767.13 | 29154.94 | 324903.70 |
| 32 | 2027-12 | 29922.06 | 703.96 | 29218.10 | 295685.60 |
| 33 | 2028-01 | 29922.06 | 640.65 | 29281.41 | 266404.19 |
| 34 | 2028-02 | 29922.06 | 577.21 | 29344.85 | 237059.33 |
| 35 | 2028-03 | 29922.06 | 513.63 | 29408.43 | 207650.90 |
| 36 | 2028-04 | 29922.06 | 449.91 | 29472.15 | 178178.75 |
| 37 | 2028-05 | 29922.06 | 386.05 | 29536.01 | 148642.74 |
| 38 | 2028-06 | 29922.06 | 322.06 | 29600.00 | 119042.74 |
| 39 | 2028-07 | 29922.06 | 257.93 | 29664.14 | 89378.60 |
| 40 | 2028-08 | 29922.06 | 193.65 | 29728.41 | 59650.19 |
| 41 | 2028-09 | 29922.06 | 129.24 | 29792.82 | 29857.37 |
| 42 | 2028-10 | 29922.06 | 64.69 | 29857.37 | 0.00 |
等额本金还款方式：
贷款总额：120万
还款月数：3年6个月
首月还款：31171.43元
每月递减：61.9元
利息总额：5.59万
本息合计：125.59万
节省利息：826.62元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 31171.43 | 2600.00 | 28571.43 | 1171428.57 |
| 2 | 2025-06 | 31109.52 | 2538.10 | 28571.43 | 1142857.14 |
| 3 | 2025-07 | 31047.62 | 2476.19 | 28571.43 | 1114285.71 |
| 4 | 2025-08 | 30985.71 | 2414.29 | 28571.43 | 1085714.29 |
| 5 | 2025-09 | 30923.81 | 2352.38 | 28571.43 | 1057142.86 |
| 6 | 2025-10 | 30861.90 | 2290.48 | 28571.43 | 1028571.43 |
| 7 | 2025-11 | 30800.00 | 2228.57 | 28571.43 | 1000000.00 |
| 8 | 2025-12 | 30738.10 | 2166.67 | 28571.43 | 971428.57 |
| 9 | 2026-01 | 30676.19 | 2104.76 | 28571.43 | 942857.14 |
| 10 | 2026-02 | 30614.29 | 2042.86 | 28571.43 | 914285.71 |
| 11 | 2026-03 | 30552.38 | 1980.95 | 28571.43 | 885714.29 |
| 12 | 2026-04 | 30490.48 | 1919.05 | 28571.43 | 857142.86 |
| 13 | 2026-05 | 30428.57 | 1857.14 | 28571.43 | 828571.43 |
| 14 | 2026-06 | 30366.67 | 1795.24 | 28571.43 | 800000.00 |
| 15 | 2026-07 | 30304.76 | 1733.33 | 28571.43 | 771428.57 |
| 16 | 2026-08 | 30242.86 | 1671.43 | 28571.43 | 742857.14 |
| 17 | 2026-09 | 30180.95 | 1609.52 | 28571.43 | 714285.71 |
| 18 | 2026-10 | 30119.05 | 1547.62 | 28571.43 | 685714.29 |
| 19 | 2026-11 | 30057.14 | 1485.71 | 28571.43 | 657142.86 |
| 20 | 2026-12 | 29995.24 | 1423.81 | 28571.43 | 628571.43 |
| 21 | 2027-01 | 29933.33 | 1361.90 | 28571.43 | 600000.00 |
| 22 | 2027-02 | 29871.43 | 1300.00 | 28571.43 | 571428.57 |
| 23 | 2027-03 | 29809.52 | 1238.10 | 28571.43 | 542857.14 |
| 24 | 2027-04 | 29747.62 | 1176.19 | 28571.43 | 514285.71 |
| 25 | 2027-05 | 29685.71 | 1114.29 | 28571.43 | 485714.29 |
| 26 | 2027-06 | 29623.81 | 1052.38 | 28571.43 | 457142.86 |
| 27 | 2027-07 | 29561.90 | 990.48 | 28571.43 | 428571.43 |
| 28 | 2027-08 | 29500.00 | 928.57 | 28571.43 | 400000.00 |
| 29 | 2027-09 | 29438.10 | 866.67 | 28571.43 | 371428.57 |
| 30 | 2027-10 | 29376.19 | 804.76 | 28571.43 | 342857.14 |
| 31 | 2027-11 | 29314.29 | 742.86 | 28571.43 | 314285.71 |
| 32 | 2027-12 | 29252.38 | 680.95 | 28571.43 | 285714.29 |
| 33 | 2028-01 | 29190.48 | 619.05 | 28571.43 | 257142.86 |
| 34 | 2028-02 | 29128.57 | 557.14 | 28571.43 | 228571.43 |
| 35 | 2028-03 | 29066.67 | 495.24 | 28571.43 | 200000.00 |
| 36 | 2028-04 | 29004.76 | 433.33 | 28571.43 | 171428.57 |
| 37 | 2028-05 | 28942.86 | 371.43 | 28571.43 | 142857.14 |
| 38 | 2028-06 | 28880.95 | 309.52 | 28571.43 | 114285.71 |
| 39 | 2028-07 | 28819.05 | 247.62 | 28571.43 | 85714.29 |
| 40 | 2028-08 | 28757.14 | 185.71 | 28571.43 | 57142.86 |
| 41 | 2028-09 | 28695.24 | 123.81 | 28571.43 | 28571.43 |
| 42 | 2028-10 | 28633.33 | 61.90 | 28571.43 | 0.00 |