贷款9.59万（公积金贷款）房贷，还款2年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：9.59万
还款月数：2年
每月还款：4133.03元
利息总额：3280.68元
本息合计：9.92万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 4133.03 | 259.76 | 3873.27 | 92038.73 |
| 2 | 2025-03 | 4133.03 | 249.27 | 3883.76 | 88154.98 |
| 3 | 2025-04 | 4133.03 | 238.75 | 3894.28 | 84260.70 |
| 4 | 2025-05 | 4133.03 | 228.21 | 3904.82 | 80355.88 |
| 5 | 2025-06 | 4133.03 | 217.63 | 3915.40 | 76440.48 |
| 6 | 2025-07 | 4133.03 | 207.03 | 3926.00 | 72514.48 |
| 7 | 2025-08 | 4133.03 | 196.39 | 3936.64 | 68577.84 |
| 8 | 2025-09 | 4133.03 | 185.73 | 3947.30 | 64630.55 |
| 9 | 2025-10 | 4133.03 | 175.04 | 3957.99 | 60672.56 |
| 10 | 2025-11 | 4133.03 | 164.32 | 3968.71 | 56703.85 |
| 11 | 2025-12 | 4133.03 | 153.57 | 3979.46 | 52724.40 |
| 12 | 2026-01 | 4133.03 | 142.80 | 3990.23 | 48734.16 |
| 13 | 2026-02 | 4133.03 | 131.99 | 4001.04 | 44733.12 |
| 14 | 2026-03 | 4133.03 | 121.15 | 4011.88 | 40721.25 |
| 15 | 2026-04 | 4133.03 | 110.29 | 4022.74 | 36698.51 |
| 16 | 2026-05 | 4133.03 | 99.39 | 4033.64 | 32664.87 |
| 17 | 2026-06 | 4133.03 | 88.47 | 4044.56 | 28620.31 |
| 18 | 2026-07 | 4133.03 | 77.51 | 4055.52 | 24564.79 |
| 19 | 2026-08 | 4133.03 | 66.53 | 4066.50 | 20498.29 |
| 20 | 2026-09 | 4133.03 | 55.52 | 4077.51 | 16420.78 |
| 21 | 2026-10 | 4133.03 | 44.47 | 4088.56 | 12332.23 |
| 22 | 2026-11 | 4133.03 | 33.40 | 4099.63 | 8232.60 |
| 23 | 2026-12 | 4133.03 | 22.30 | 4110.73 | 4121.87 |
| 24 | 2027-01 | 4133.03 | 11.16 | 4121.87 | 0.00 |
等额本金还款方式：
贷款总额：9.59万
还款月数：2年
首月还款：4256.1元
每月递减：10.82元
利息总额：3247.02元
本息合计：9.92万
节省利息：33.66元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 4256.10 | 259.76 | 3996.33 | 91915.67 |
| 2 | 2025-03 | 4245.27 | 248.94 | 3996.33 | 87919.33 |
| 3 | 2025-04 | 4234.45 | 238.11 | 3996.33 | 83923.00 |
| 4 | 2025-05 | 4223.62 | 227.29 | 3996.33 | 79926.67 |
| 5 | 2025-06 | 4212.80 | 216.47 | 3996.33 | 75930.33 |
| 6 | 2025-07 | 4201.98 | 205.64 | 3996.33 | 71934.00 |
| 7 | 2025-08 | 4191.15 | 194.82 | 3996.33 | 67937.67 |
| 8 | 2025-09 | 4180.33 | 184.00 | 3996.33 | 63941.33 |
| 9 | 2025-10 | 4169.51 | 173.17 | 3996.33 | 59945.00 |
| 10 | 2025-11 | 4158.68 | 162.35 | 3996.33 | 55948.67 |
| 11 | 2025-12 | 4147.86 | 151.53 | 3996.33 | 51952.33 |
| 12 | 2026-01 | 4137.04 | 140.70 | 3996.33 | 47956.00 |
| 13 | 2026-02 | 4126.21 | 129.88 | 3996.33 | 43959.67 |
| 14 | 2026-03 | 4115.39 | 119.06 | 3996.33 | 39963.33 |
| 15 | 2026-04 | 4104.57 | 108.23 | 3996.33 | 35967.00 |
| 16 | 2026-05 | 4093.74 | 97.41 | 3996.33 | 31970.67 |
| 17 | 2026-06 | 4082.92 | 86.59 | 3996.33 | 27974.33 |
| 18 | 2026-07 | 4072.10 | 75.76 | 3996.33 | 23978.00 |
| 19 | 2026-08 | 4061.27 | 64.94 | 3996.33 | 19981.67 |
| 20 | 2026-09 | 4050.45 | 54.12 | 3996.33 | 15985.33 |
| 21 | 2026-10 | 4039.63 | 43.29 | 3996.33 | 11989.00 |
| 22 | 2026-11 | 4028.80 | 32.47 | 3996.33 | 7992.67 |
| 23 | 2026-12 | 4017.98 | 21.65 | 3996.33 | 3996.33 |
| 24 | 2027-01 | 4007.16 | 10.82 | 3996.33 | 0.00 |