贷款35.21万（公积金贷款）房贷，还款1年7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：35.21万
还款月数：1年7个月
每月还款：18974.84元
利息总额：8421.88元
本息合计：36.05万
| 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 | 18974.84 | 836.24 | 18138.60 | 333961.40 |
| 2 | 2024-12 | 18974.84 | 793.16 | 18181.68 | 315779.72 |
| 3 | 2025-01 | 18974.84 | 749.98 | 18224.86 | 297554.86 |
| 4 | 2025-02 | 18974.84 | 706.69 | 18268.14 | 279286.72 |
| 5 | 2025-03 | 18974.84 | 663.31 | 18311.53 | 260975.19 |
| 6 | 2025-04 | 18974.84 | 619.82 | 18355.02 | 242620.17 |
| 7 | 2025-05 | 18974.84 | 576.22 | 18398.61 | 224221.56 |
| 8 | 2025-06 | 18974.84 | 532.53 | 18442.31 | 205779.25 |
| 9 | 2025-07 | 18974.84 | 488.73 | 18486.11 | 187293.14 |
| 10 | 2025-08 | 18974.84 | 444.82 | 18530.01 | 168763.12 |
| 11 | 2025-09 | 18974.84 | 400.81 | 18574.02 | 150189.10 |
| 12 | 2025-10 | 18974.84 | 356.70 | 18618.14 | 131570.96 |
| 13 | 2025-11 | 18974.84 | 312.48 | 18662.35 | 112908.61 |
| 14 | 2025-12 | 18974.84 | 268.16 | 18706.68 | 94201.93 |
| 15 | 2026-01 | 18974.84 | 223.73 | 18751.11 | 75450.82 |
| 16 | 2026-02 | 18974.84 | 179.20 | 18795.64 | 56655.18 |
| 17 | 2026-03 | 18974.84 | 134.56 | 18840.28 | 37814.90 |
| 18 | 2026-04 | 18974.84 | 89.81 | 18885.03 | 18929.88 |
| 19 | 2026-05 | 18974.84 | 44.96 | 18929.88 | 0.00 |
等额本金还款方式：
贷款总额：35.21万
还款月数：1年7个月
首月还款：19367.82元
每月递减：44.01元
利息总额：8362.38元
本息合计：36.05万
节省利息：59.51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 | 19367.82 | 836.24 | 18531.58 | 333568.42 |
| 2 | 2024-12 | 19323.80 | 792.22 | 18531.58 | 315036.84 |
| 3 | 2025-01 | 19279.79 | 748.21 | 18531.58 | 296505.26 |
| 4 | 2025-02 | 19235.78 | 704.20 | 18531.58 | 277973.68 |
| 5 | 2025-03 | 19191.77 | 660.19 | 18531.58 | 259442.11 |
| 6 | 2025-04 | 19147.75 | 616.17 | 18531.58 | 240910.53 |
| 7 | 2025-05 | 19103.74 | 572.16 | 18531.58 | 222378.95 |
| 8 | 2025-06 | 19059.73 | 528.15 | 18531.58 | 203847.37 |
| 9 | 2025-07 | 19015.72 | 484.14 | 18531.58 | 185315.79 |
| 10 | 2025-08 | 18971.70 | 440.13 | 18531.58 | 166784.21 |
| 11 | 2025-09 | 18927.69 | 396.11 | 18531.58 | 148252.63 |
| 12 | 2025-10 | 18883.68 | 352.10 | 18531.58 | 129721.05 |
| 13 | 2025-11 | 18839.67 | 308.09 | 18531.58 | 111189.47 |
| 14 | 2025-12 | 18795.65 | 264.07 | 18531.58 | 92657.89 |
| 15 | 2026-01 | 18751.64 | 220.06 | 18531.58 | 74126.32 |
| 16 | 2026-02 | 18707.63 | 176.05 | 18531.58 | 55594.74 |
| 17 | 2026-03 | 18663.62 | 132.04 | 18531.58 | 37063.16 |
| 18 | 2026-04 | 18619.60 | 88.03 | 18531.58 | 18531.58 |
| 19 | 2026-05 | 18575.59 | 44.01 | 18531.58 | 0.00 |