贷款36.47万（公积金贷款）房贷，还款2年4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：36.47万
还款月数：2年4个月
每月还款：13478.67元
利息总额：1.27万
本息合计：37.74万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 13478.67 | 866.18 | 12612.49 | 352096.51 |
| 2 | 2024-12 | 13478.67 | 836.23 | 12642.44 | 339454.08 |
| 3 | 2025-01 | 13478.67 | 806.20 | 12672.47 | 326781.61 |
| 4 | 2025-02 | 13478.67 | 776.11 | 12702.56 | 314079.05 |
| 5 | 2025-03 | 13478.67 | 745.94 | 12732.73 | 301346.32 |
| 6 | 2025-04 | 13478.67 | 715.70 | 12762.97 | 288583.34 |
| 7 | 2025-05 | 13478.67 | 685.39 | 12793.28 | 275790.06 |
| 8 | 2025-06 | 13478.67 | 655.00 | 12823.67 | 262966.39 |
| 9 | 2025-07 | 13478.67 | 624.55 | 12854.12 | 250112.27 |
| 10 | 2025-08 | 13478.67 | 594.02 | 12884.65 | 237227.62 |
| 11 | 2025-09 | 13478.67 | 563.42 | 12915.25 | 224312.36 |
| 12 | 2025-10 | 13478.67 | 532.74 | 12945.93 | 211366.44 |
| 13 | 2025-11 | 13478.67 | 502.00 | 12976.67 | 198389.76 |
| 14 | 2025-12 | 13478.67 | 471.18 | 13007.49 | 185382.27 |
| 15 | 2026-01 | 13478.67 | 440.28 | 13038.39 | 172343.88 |
| 16 | 2026-02 | 13478.67 | 409.32 | 13069.35 | 159274.53 |
| 17 | 2026-03 | 13478.67 | 378.28 | 13100.39 | 146174.14 |
| 18 | 2026-04 | 13478.67 | 347.16 | 13131.51 | 133042.64 |
| 19 | 2026-05 | 13478.67 | 315.98 | 13162.69 | 119879.94 |
| 20 | 2026-06 | 13478.67 | 284.71 | 13193.95 | 106685.99 |
| 21 | 2026-07 | 13478.67 | 253.38 | 13225.29 | 93460.70 |
| 22 | 2026-08 | 13478.67 | 221.97 | 13256.70 | 80204.00 |
| 23 | 2026-09 | 13478.67 | 190.48 | 13288.18 | 66915.82 |
| 24 | 2026-10 | 13478.67 | 158.93 | 13319.74 | 53596.07 |
| 25 | 2026-11 | 13478.67 | 127.29 | 13351.38 | 40244.69 |
| 26 | 2026-12 | 13478.67 | 95.58 | 13383.09 | 26861.61 |
| 27 | 2027-01 | 13478.67 | 63.80 | 13414.87 | 13446.73 |
| 28 | 2027-02 | 13478.67 | 31.94 | 13446.73 | 0.00 |
等额本金还款方式：
贷款总额：36.47万
还款月数：2年4个月
首月还款：13891.51元
每月递减：30.94元
利息总额：1.26万
本息合计：37.73万
节省利息：134.06元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 13891.51 | 866.18 | 13025.32 | 351683.68 |
| 2 | 2024-12 | 13860.57 | 835.25 | 13025.32 | 338658.36 |
| 3 | 2025-01 | 13829.64 | 804.31 | 13025.32 | 325633.04 |
| 4 | 2025-02 | 13798.70 | 773.38 | 13025.32 | 312607.71 |
| 5 | 2025-03 | 13767.76 | 742.44 | 13025.32 | 299582.39 |
| 6 | 2025-04 | 13736.83 | 711.51 | 13025.32 | 286557.07 |
| 7 | 2025-05 | 13705.89 | 680.57 | 13025.32 | 273531.75 |
| 8 | 2025-06 | 13674.96 | 649.64 | 13025.32 | 260506.43 |
| 9 | 2025-07 | 13644.02 | 618.70 | 13025.32 | 247481.11 |
| 10 | 2025-08 | 13613.09 | 587.77 | 13025.32 | 234455.79 |
| 11 | 2025-09 | 13582.15 | 556.83 | 13025.32 | 221430.46 |
| 12 | 2025-10 | 13551.22 | 525.90 | 13025.32 | 208405.14 |
| 13 | 2025-11 | 13520.28 | 494.96 | 13025.32 | 195379.82 |
| 14 | 2025-12 | 13489.35 | 464.03 | 13025.32 | 182354.50 |
| 15 | 2026-01 | 13458.41 | 433.09 | 13025.32 | 169329.18 |
| 16 | 2026-02 | 13427.48 | 402.16 | 13025.32 | 156303.86 |
| 17 | 2026-03 | 13396.54 | 371.22 | 13025.32 | 143278.54 |
| 18 | 2026-04 | 13365.61 | 340.29 | 13025.32 | 130253.21 |
| 19 | 2026-05 | 13334.67 | 309.35 | 13025.32 | 117227.89 |
| 20 | 2026-06 | 13303.74 | 278.42 | 13025.32 | 104202.57 |
| 21 | 2026-07 | 13272.80 | 247.48 | 13025.32 | 91177.25 |
| 22 | 2026-08 | 13241.87 | 216.55 | 13025.32 | 78151.93 |
| 23 | 2026-09 | 13210.93 | 185.61 | 13025.32 | 65126.61 |
| 24 | 2026-10 | 13180.00 | 154.68 | 13025.32 | 52101.29 |
| 25 | 2026-11 | 13149.06 | 123.74 | 13025.32 | 39075.96 |
| 26 | 2026-12 | 13118.13 | 92.81 | 13025.32 | 26050.64 |
| 27 | 2027-01 | 13087.19 | 61.87 | 13025.32 | 13025.32 |
| 28 | 2027-02 | 13056.26 | 30.94 | 13025.32 | 0.00 |