深圳贷款63万（公积金贷款）房贷，还款2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：63万
还款月数：2年6个月
每月还款：21893.09元
利息总额：2.68万
本息合计：65.68万
| 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 | 21893.09 | 1706.25 | 20186.84 | 609813.16 |
| 2 | 2025-06 | 21893.09 | 1651.58 | 20241.51 | 589571.66 |
| 3 | 2025-07 | 21893.09 | 1596.76 | 20296.33 | 569275.33 |
| 4 | 2025-08 | 21893.09 | 1541.79 | 20351.30 | 548924.03 |
| 5 | 2025-09 | 21893.09 | 1486.67 | 20406.42 | 528517.61 |
| 6 | 2025-10 | 21893.09 | 1431.40 | 20461.68 | 508055.93 |
| 7 | 2025-11 | 21893.09 | 1375.98 | 20517.10 | 487538.83 |
| 8 | 2025-12 | 21893.09 | 1320.42 | 20572.67 | 466966.16 |
| 9 | 2026-01 | 21893.09 | 1264.70 | 20628.39 | 446337.78 |
| 10 | 2026-02 | 21893.09 | 1208.83 | 20684.25 | 425653.52 |
| 11 | 2026-03 | 21893.09 | 1152.81 | 20740.27 | 404913.25 |
| 12 | 2026-04 | 21893.09 | 1096.64 | 20796.45 | 384116.80 |
| 13 | 2026-05 | 21893.09 | 1040.32 | 20852.77 | 363264.03 |
| 14 | 2026-06 | 21893.09 | 983.84 | 20909.25 | 342354.79 |
| 15 | 2026-07 | 21893.09 | 927.21 | 20965.87 | 321388.91 |
| 16 | 2026-08 | 21893.09 | 870.43 | 21022.66 | 300366.26 |
| 17 | 2026-09 | 21893.09 | 813.49 | 21079.59 | 279286.66 |
| 18 | 2026-10 | 21893.09 | 756.40 | 21136.68 | 258149.98 |
| 19 | 2026-11 | 21893.09 | 699.16 | 21193.93 | 236956.05 |
| 20 | 2026-12 | 21893.09 | 641.76 | 21251.33 | 215704.72 |
| 21 | 2027-01 | 21893.09 | 584.20 | 21308.89 | 194395.83 |
| 22 | 2027-02 | 21893.09 | 526.49 | 21366.60 | 173029.24 |
| 23 | 2027-03 | 21893.09 | 468.62 | 21424.46 | 151604.77 |
| 24 | 2027-04 | 21893.09 | 410.60 | 21482.49 | 130122.28 |
| 25 | 2027-05 | 21893.09 | 352.41 | 21540.67 | 108581.61 |
| 26 | 2027-06 | 21893.09 | 294.08 | 21599.01 | 86982.60 |
| 27 | 2027-07 | 21893.09 | 235.58 | 21657.51 | 65325.09 |
| 28 | 2027-08 | 21893.09 | 176.92 | 21716.16 | 43608.93 |
| 29 | 2027-09 | 21893.09 | 118.11 | 21774.98 | 21833.95 |
| 30 | 2027-10 | 21893.09 | 59.13 | 21833.95 | 0.00 |
等额本金还款方式：
贷款总额：63万
还款月数：2年6个月
首月还款：22706.25元
每月递减：56.88元
利息总额：2.64万
本息合计：65.64万
节省利息：345.69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 | 22706.25 | 1706.25 | 21000.00 | 609000.00 |
| 2 | 2025-06 | 22649.38 | 1649.38 | 21000.00 | 588000.00 |
| 3 | 2025-07 | 22592.50 | 1592.50 | 21000.00 | 567000.00 |
| 4 | 2025-08 | 22535.63 | 1535.63 | 21000.00 | 546000.00 |
| 5 | 2025-09 | 22478.75 | 1478.75 | 21000.00 | 525000.00 |
| 6 | 2025-10 | 22421.88 | 1421.88 | 21000.00 | 504000.00 |
| 7 | 2025-11 | 22365.00 | 1365.00 | 21000.00 | 483000.00 |
| 8 | 2025-12 | 22308.13 | 1308.13 | 21000.00 | 462000.00 |
| 9 | 2026-01 | 22251.25 | 1251.25 | 21000.00 | 441000.00 |
| 10 | 2026-02 | 22194.38 | 1194.38 | 21000.00 | 420000.00 |
| 11 | 2026-03 | 22137.50 | 1137.50 | 21000.00 | 399000.00 |
| 12 | 2026-04 | 22080.63 | 1080.63 | 21000.00 | 378000.00 |
| 13 | 2026-05 | 22023.75 | 1023.75 | 21000.00 | 357000.00 |
| 14 | 2026-06 | 21966.88 | 966.88 | 21000.00 | 336000.00 |
| 15 | 2026-07 | 21910.00 | 910.00 | 21000.00 | 315000.00 |
| 16 | 2026-08 | 21853.13 | 853.13 | 21000.00 | 294000.00 |
| 17 | 2026-09 | 21796.25 | 796.25 | 21000.00 | 273000.00 |
| 18 | 2026-10 | 21739.38 | 739.38 | 21000.00 | 252000.00 |
| 19 | 2026-11 | 21682.50 | 682.50 | 21000.00 | 231000.00 |
| 20 | 2026-12 | 21625.63 | 625.63 | 21000.00 | 210000.00 |
| 21 | 2027-01 | 21568.75 | 568.75 | 21000.00 | 189000.00 |
| 22 | 2027-02 | 21511.88 | 511.88 | 21000.00 | 168000.00 |
| 23 | 2027-03 | 21455.00 | 455.00 | 21000.00 | 147000.00 |
| 24 | 2027-04 | 21398.13 | 398.13 | 21000.00 | 126000.00 |
| 25 | 2027-05 | 21341.25 | 341.25 | 21000.00 | 105000.00 |
| 26 | 2027-06 | 21284.38 | 284.38 | 21000.00 | 84000.00 |
| 27 | 2027-07 | 21227.50 | 227.50 | 21000.00 | 63000.00 |
| 28 | 2027-08 | 21170.63 | 170.63 | 21000.00 | 42000.00 |
| 29 | 2027-09 | 21113.75 | 113.75 | 21000.00 | 21000.00 |
| 30 | 2027-10 | 21056.88 | 56.88 | 21000.00 | 0.00 |