贷款120万（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：120万
还款月数：2年6个月
每月还款：41701.12元
利息总额：5.1万
本息合计：125.1万
| 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 | 41701.12 | 3250.00 | 38451.12 | 1161548.88 |
| 2 | 2024-12 | 41701.12 | 3145.86 | 38555.25 | 1122993.63 |
| 3 | 2025-01 | 41701.12 | 3041.44 | 38659.67 | 1084333.96 |
| 4 | 2025-02 | 41701.12 | 2936.74 | 38764.38 | 1045569.58 |
| 5 | 2025-03 | 41701.12 | 2831.75 | 38869.36 | 1006700.21 |
| 6 | 2025-04 | 41701.12 | 2726.48 | 38974.64 | 967725.58 |
| 7 | 2025-05 | 41701.12 | 2620.92 | 39080.19 | 928645.39 |
| 8 | 2025-06 | 41701.12 | 2515.08 | 39186.03 | 889459.35 |
| 9 | 2025-07 | 41701.12 | 2408.95 | 39292.16 | 850167.19 |
| 10 | 2025-08 | 41701.12 | 2302.54 | 39398.58 | 810768.61 |
| 11 | 2025-09 | 41701.12 | 2195.83 | 39505.28 | 771263.33 |
| 12 | 2025-10 | 41701.12 | 2088.84 | 39612.28 | 731651.05 |
| 13 | 2025-11 | 41701.12 | 1981.55 | 39719.56 | 691931.49 |
| 14 | 2025-12 | 41701.12 | 1873.98 | 39827.13 | 652104.36 |
| 15 | 2026-01 | 41701.12 | 1766.12 | 39935.00 | 612169.36 |
| 16 | 2026-02 | 41701.12 | 1657.96 | 40043.16 | 572126.20 |
| 17 | 2026-03 | 41701.12 | 1549.51 | 40151.61 | 531974.59 |
| 18 | 2026-04 | 41701.12 | 1440.76 | 40260.35 | 491714.24 |
| 19 | 2026-05 | 41701.12 | 1331.73 | 40369.39 | 451344.85 |
| 20 | 2026-06 | 41701.12 | 1222.39 | 40478.72 | 410866.13 |
| 21 | 2026-07 | 41701.12 | 1112.76 | 40588.35 | 370277.78 |
| 22 | 2026-08 | 41701.12 | 1002.84 | 40698.28 | 329579.50 |
| 23 | 2026-09 | 41701.12 | 892.61 | 40808.50 | 288770.99 |
| 24 | 2026-10 | 41701.12 | 782.09 | 40919.03 | 247851.97 |
| 25 | 2026-11 | 41701.12 | 671.27 | 41029.85 | 206822.12 |
| 26 | 2026-12 | 41701.12 | 560.14 | 41140.97 | 165681.14 |
| 27 | 2027-01 | 41701.12 | 448.72 | 41252.40 | 124428.75 |
| 28 | 2027-02 | 41701.12 | 336.99 | 41364.12 | 83064.63 |
| 29 | 2027-03 | 41701.12 | 224.97 | 41476.15 | 41588.48 |
| 30 | 2027-04 | 41701.12 | 112.64 | 41588.48 | 0.00 |
等额本金还款方式：
贷款总额：120万
还款月数：2年6个月
首月还款：43250元
每月递减：108.33元
利息总额：5.04万
本息合计：125.04万
节省利息：658.46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 | 43250.00 | 3250.00 | 40000.00 | 1160000.00 |
| 2 | 2024-12 | 43141.67 | 3141.67 | 40000.00 | 1120000.00 |
| 3 | 2025-01 | 43033.33 | 3033.33 | 40000.00 | 1080000.00 |
| 4 | 2025-02 | 42925.00 | 2925.00 | 40000.00 | 1040000.00 |
| 5 | 2025-03 | 42816.67 | 2816.67 | 40000.00 | 1000000.00 |
| 6 | 2025-04 | 42708.33 | 2708.33 | 40000.00 | 960000.00 |
| 7 | 2025-05 | 42600.00 | 2600.00 | 40000.00 | 920000.00 |
| 8 | 2025-06 | 42491.67 | 2491.67 | 40000.00 | 880000.00 |
| 9 | 2025-07 | 42383.33 | 2383.33 | 40000.00 | 840000.00 |
| 10 | 2025-08 | 42275.00 | 2275.00 | 40000.00 | 800000.00 |
| 11 | 2025-09 | 42166.67 | 2166.67 | 40000.00 | 760000.00 |
| 12 | 2025-10 | 42058.33 | 2058.33 | 40000.00 | 720000.00 |
| 13 | 2025-11 | 41950.00 | 1950.00 | 40000.00 | 680000.00 |
| 14 | 2025-12 | 41841.67 | 1841.67 | 40000.00 | 640000.00 |
| 15 | 2026-01 | 41733.33 | 1733.33 | 40000.00 | 600000.00 |
| 16 | 2026-02 | 41625.00 | 1625.00 | 40000.00 | 560000.00 |
| 17 | 2026-03 | 41516.67 | 1516.67 | 40000.00 | 520000.00 |
| 18 | 2026-04 | 41408.33 | 1408.33 | 40000.00 | 480000.00 |
| 19 | 2026-05 | 41300.00 | 1300.00 | 40000.00 | 440000.00 |
| 20 | 2026-06 | 41191.67 | 1191.67 | 40000.00 | 400000.00 |
| 21 | 2026-07 | 41083.33 | 1083.33 | 40000.00 | 360000.00 |
| 22 | 2026-08 | 40975.00 | 975.00 | 40000.00 | 320000.00 |
| 23 | 2026-09 | 40866.67 | 866.67 | 40000.00 | 280000.00 |
| 24 | 2026-10 | 40758.33 | 758.33 | 40000.00 | 240000.00 |
| 25 | 2026-11 | 40650.00 | 650.00 | 40000.00 | 200000.00 |
| 26 | 2026-12 | 40541.67 | 541.67 | 40000.00 | 160000.00 |
| 27 | 2027-01 | 40433.33 | 433.33 | 40000.00 | 120000.00 |
| 28 | 2027-02 | 40325.00 | 325.00 | 40000.00 | 80000.00 |
| 29 | 2027-03 | 40216.67 | 216.67 | 40000.00 | 40000.00 |
| 30 | 2027-04 | 40108.33 | 108.33 | 40000.00 | 0.00 |