贷款7.64万（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：7.64万
还款月数：2年8个月
每月还款：2494.08元
利息总额：3459.61元
本息合计：7.98万
| 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 | 2494.08 | 206.78 | 2287.30 | 74063.70 |
| 2 | 2025-06 | 2494.08 | 200.59 | 2293.49 | 71770.21 |
| 3 | 2025-07 | 2494.08 | 194.38 | 2299.70 | 69470.51 |
| 4 | 2025-08 | 2494.08 | 188.15 | 2305.93 | 67164.57 |
| 5 | 2025-09 | 2494.08 | 181.90 | 2312.18 | 64852.40 |
| 6 | 2025-10 | 2494.08 | 175.64 | 2318.44 | 62533.96 |
| 7 | 2025-11 | 2494.08 | 169.36 | 2324.72 | 60209.24 |
| 8 | 2025-12 | 2494.08 | 163.07 | 2331.01 | 57878.22 |
| 9 | 2026-01 | 2494.08 | 156.75 | 2337.33 | 55540.90 |
| 10 | 2026-02 | 2494.08 | 150.42 | 2343.66 | 53197.24 |
| 11 | 2026-03 | 2494.08 | 144.08 | 2350.01 | 50847.23 |
| 12 | 2026-04 | 2494.08 | 137.71 | 2356.37 | 48490.86 |
| 13 | 2026-05 | 2494.08 | 131.33 | 2362.75 | 46128.11 |
| 14 | 2026-06 | 2494.08 | 124.93 | 2369.15 | 43758.96 |
| 15 | 2026-07 | 2494.08 | 118.51 | 2375.57 | 41383.39 |
| 16 | 2026-08 | 2494.08 | 112.08 | 2382.00 | 39001.39 |
| 17 | 2026-09 | 2494.08 | 105.63 | 2388.45 | 36612.94 |
| 18 | 2026-10 | 2494.08 | 99.16 | 2394.92 | 34218.01 |
| 19 | 2026-11 | 2494.08 | 92.67 | 2401.41 | 31816.61 |
| 20 | 2026-12 | 2494.08 | 86.17 | 2407.91 | 29408.70 |
| 21 | 2027-01 | 2494.08 | 79.65 | 2414.43 | 26994.26 |
| 22 | 2027-02 | 2494.08 | 73.11 | 2420.97 | 24573.29 |
| 23 | 2027-03 | 2494.08 | 66.55 | 2427.53 | 22145.76 |
| 24 | 2027-04 | 2494.08 | 59.98 | 2434.10 | 19711.66 |
| 25 | 2027-05 | 2494.08 | 53.39 | 2440.70 | 17270.96 |
| 26 | 2027-06 | 2494.08 | 46.78 | 2447.31 | 14823.66 |
| 27 | 2027-07 | 2494.08 | 40.15 | 2453.93 | 12369.72 |
| 28 | 2027-08 | 2494.08 | 33.50 | 2460.58 | 9909.14 |
| 29 | 2027-09 | 2494.08 | 26.84 | 2467.24 | 7441.90 |
| 30 | 2027-10 | 2494.08 | 20.16 | 2473.93 | 4967.97 |
| 31 | 2027-11 | 2494.08 | 13.45 | 2480.63 | 2487.34 |
| 32 | 2027-12 | 2494.08 | 6.74 | 2487.34 | 0.00 |
等额本金还款方式：
贷款总额：7.64万
还款月数：2年8个月
首月还款：2592.75元
每月递减：6.46元
利息总额：3411.94元
本息合计：7.98万
节省利息：47.67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 | 2592.75 | 206.78 | 2385.97 | 73965.03 |
| 2 | 2025-06 | 2586.29 | 200.32 | 2385.97 | 71579.06 |
| 3 | 2025-07 | 2579.83 | 193.86 | 2385.97 | 69193.09 |
| 4 | 2025-08 | 2573.37 | 187.40 | 2385.97 | 66807.13 |
| 5 | 2025-09 | 2566.90 | 180.94 | 2385.97 | 64421.16 |
| 6 | 2025-10 | 2560.44 | 174.47 | 2385.97 | 62035.19 |
| 7 | 2025-11 | 2553.98 | 168.01 | 2385.97 | 59649.22 |
| 8 | 2025-12 | 2547.52 | 161.55 | 2385.97 | 57263.25 |
| 9 | 2026-01 | 2541.06 | 155.09 | 2385.97 | 54877.28 |
| 10 | 2026-02 | 2534.59 | 148.63 | 2385.97 | 52491.31 |
| 11 | 2026-03 | 2528.13 | 142.16 | 2385.97 | 50105.34 |
| 12 | 2026-04 | 2521.67 | 135.70 | 2385.97 | 47719.38 |
| 13 | 2026-05 | 2515.21 | 129.24 | 2385.97 | 45333.41 |
| 14 | 2026-06 | 2508.75 | 122.78 | 2385.97 | 42947.44 |
| 15 | 2026-07 | 2502.28 | 116.32 | 2385.97 | 40561.47 |
| 16 | 2026-08 | 2495.82 | 109.85 | 2385.97 | 38175.50 |
| 17 | 2026-09 | 2489.36 | 103.39 | 2385.97 | 35789.53 |
| 18 | 2026-10 | 2482.90 | 96.93 | 2385.97 | 33403.56 |
| 19 | 2026-11 | 2476.44 | 90.47 | 2385.97 | 31017.59 |
| 20 | 2026-12 | 2469.97 | 84.01 | 2385.97 | 28631.63 |
| 21 | 2027-01 | 2463.51 | 77.54 | 2385.97 | 26245.66 |
| 22 | 2027-02 | 2457.05 | 71.08 | 2385.97 | 23859.69 |
| 23 | 2027-03 | 2450.59 | 64.62 | 2385.97 | 21473.72 |
| 24 | 2027-04 | 2444.13 | 58.16 | 2385.97 | 19087.75 |
| 25 | 2027-05 | 2437.66 | 51.70 | 2385.97 | 16701.78 |
| 26 | 2027-06 | 2431.20 | 45.23 | 2385.97 | 14315.81 |
| 27 | 2027-07 | 2424.74 | 38.77 | 2385.97 | 11929.84 |
| 28 | 2027-08 | 2418.28 | 32.31 | 2385.97 | 9543.88 |
| 29 | 2027-09 | 2411.82 | 25.85 | 2385.97 | 7157.91 |
| 30 | 2027-10 | 2405.35 | 19.39 | 2385.97 | 4771.94 |
| 31 | 2027-11 | 2398.89 | 12.92 | 2385.97 | 2385.97 |
| 32 | 2027-12 | 2392.43 | 6.46 | 2385.97 | 0.00 |