贷款86.8万（公积金贷款）房贷，还款2年2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：86.8万
还款月数：2年2个月
每月还款：34618.61元
利息总额：3.21万
本息合计：90.01万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 34618.61 | 2350.11 | 32268.50 | 835731.50 |
| 2 | 2024-05 | 34618.61 | 2262.74 | 32355.87 | 803375.63 |
| 3 | 2024-06 | 34618.61 | 2175.14 | 32443.47 | 770932.16 |
| 4 | 2024-07 | 34618.61 | 2087.30 | 32531.31 | 738400.85 |
| 5 | 2024-08 | 34618.61 | 1999.22 | 32619.39 | 705781.46 |
| 6 | 2024-09 | 34618.61 | 1910.90 | 32707.71 | 673073.75 |
| 7 | 2024-10 | 34618.61 | 1822.35 | 32796.26 | 640277.49 |
| 8 | 2024-11 | 34618.61 | 1733.55 | 32885.06 | 607392.43 |
| 9 | 2024-12 | 34618.61 | 1644.51 | 32974.10 | 574418.33 |
| 10 | 2025-01 | 34618.61 | 1555.24 | 33063.37 | 541354.96 |
| 11 | 2025-02 | 34618.61 | 1465.72 | 33152.89 | 508202.06 |
| 12 | 2025-03 | 34618.61 | 1375.96 | 33242.65 | 474959.41 |
| 13 | 2025-04 | 34618.61 | 1285.95 | 33332.66 | 441626.75 |
| 14 | 2025-05 | 34618.61 | 1195.70 | 33422.91 | 408203.84 |
| 15 | 2025-06 | 34618.61 | 1105.21 | 33513.40 | 374690.45 |
| 16 | 2025-07 | 34618.61 | 1014.47 | 33604.14 | 341086.31 |
| 17 | 2025-08 | 34618.61 | 923.49 | 33695.12 | 307391.19 |
| 18 | 2025-09 | 34618.61 | 832.26 | 33786.35 | 273604.84 |
| 19 | 2025-10 | 34618.61 | 740.79 | 33877.83 | 239727.01 |
| 20 | 2025-11 | 34618.61 | 649.06 | 33969.55 | 205757.46 |
| 21 | 2025-12 | 34618.61 | 557.09 | 34061.52 | 171695.94 |
| 22 | 2026-01 | 34618.61 | 464.87 | 34153.74 | 137542.20 |
| 23 | 2026-02 | 34618.61 | 372.40 | 34246.22 | 103295.98 |
| 24 | 2026-03 | 34618.61 | 279.67 | 34338.94 | 68957.04 |
| 25 | 2026-04 | 34618.61 | 186.70 | 34431.91 | 34525.13 |
| 26 | 2026-05 | 34618.61 | 93.48 | 34525.13 | 0.00 |
等额本金还款方式：
贷款总额：86.8万
还款月数：2年2个月
首月还款：35734.73元
每月递减：90.39元
利息总额：3.17万
本息合计：89.97万
节省利息：357.4元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 35734.73 | 2350.11 | 33384.62 | 834615.38 |
| 2 | 2024-05 | 35644.34 | 2259.72 | 33384.62 | 801230.77 |
| 3 | 2024-06 | 35553.95 | 2169.33 | 33384.62 | 767846.15 |
| 4 | 2024-07 | 35463.56 | 2078.94 | 33384.62 | 734461.54 |
| 5 | 2024-08 | 35373.17 | 1988.55 | 33384.62 | 701076.92 |
| 6 | 2024-09 | 35282.78 | 1898.17 | 33384.62 | 667692.31 |
| 7 | 2024-10 | 35192.39 | 1807.78 | 33384.62 | 634307.69 |
| 8 | 2024-11 | 35102.00 | 1717.39 | 33384.62 | 600923.08 |
| 9 | 2024-12 | 35011.61 | 1627.00 | 33384.62 | 567538.46 |
| 10 | 2025-01 | 34921.23 | 1536.61 | 33384.62 | 534153.85 |
| 11 | 2025-02 | 34830.84 | 1446.22 | 33384.62 | 500769.23 |
| 12 | 2025-03 | 34740.45 | 1355.83 | 33384.62 | 467384.62 |
| 13 | 2025-04 | 34650.06 | 1265.44 | 33384.62 | 434000.00 |
| 14 | 2025-05 | 34559.67 | 1175.05 | 33384.62 | 400615.38 |
| 15 | 2025-06 | 34469.28 | 1084.67 | 33384.62 | 367230.77 |
| 16 | 2025-07 | 34378.89 | 994.28 | 33384.62 | 333846.15 |
| 17 | 2025-08 | 34288.50 | 903.89 | 33384.62 | 300461.54 |
| 18 | 2025-09 | 34198.11 | 813.50 | 33384.62 | 267076.92 |
| 19 | 2025-10 | 34107.73 | 723.11 | 33384.62 | 233692.31 |
| 20 | 2025-11 | 34017.34 | 632.72 | 33384.62 | 200307.69 |
| 21 | 2025-12 | 33926.95 | 542.33 | 33384.62 | 166923.08 |
| 22 | 2026-01 | 33836.56 | 451.94 | 33384.62 | 133538.46 |
| 23 | 2026-02 | 33746.17 | 361.56 | 33384.62 | 100153.85 |
| 24 | 2026-03 | 33655.78 | 271.17 | 33384.62 | 66769.23 |
| 25 | 2026-04 | 33565.39 | 180.78 | 33384.62 | 33384.62 |
| 26 | 2026-05 | 33475.00 | 90.39 | 33384.62 | 0.00 |