贷款7万（公积金贷款）房贷，还款3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：7万
还款月数：3年
每月还款：2031.06元
利息总额：3118.18元
本息合计：7.31万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 2031.06 | 166.25 | 1864.81 | 68135.19 |
| 2 | 2025-05 | 2031.06 | 161.82 | 1869.24 | 66265.95 |
| 3 | 2025-06 | 2031.06 | 157.38 | 1873.68 | 64392.27 |
| 4 | 2025-07 | 2031.06 | 152.93 | 1878.13 | 62514.14 |
| 5 | 2025-08 | 2031.06 | 148.47 | 1882.59 | 60631.55 |
| 6 | 2025-09 | 2031.06 | 144.00 | 1887.06 | 58744.49 |
| 7 | 2025-10 | 2031.06 | 139.52 | 1891.54 | 56852.95 |
| 8 | 2025-11 | 2031.06 | 135.03 | 1896.03 | 54956.91 |
| 9 | 2025-12 | 2031.06 | 130.52 | 1900.54 | 53056.38 |
| 10 | 2026-01 | 2031.06 | 126.01 | 1905.05 | 51151.33 |
| 11 | 2026-02 | 2031.06 | 121.48 | 1909.58 | 49241.75 |
| 12 | 2026-03 | 2031.06 | 116.95 | 1914.11 | 47327.64 |
| 13 | 2026-04 | 2031.06 | 112.40 | 1918.66 | 45408.98 |
| 14 | 2026-05 | 2031.06 | 107.85 | 1923.21 | 43485.77 |
| 15 | 2026-06 | 2031.06 | 103.28 | 1927.78 | 41557.98 |
| 16 | 2026-07 | 2031.06 | 98.70 | 1932.36 | 39625.62 |
| 17 | 2026-08 | 2031.06 | 94.11 | 1936.95 | 37688.67 |
| 18 | 2026-09 | 2031.06 | 89.51 | 1941.55 | 35747.12 |
| 19 | 2026-10 | 2031.06 | 84.90 | 1946.16 | 33800.96 |
| 20 | 2026-11 | 2031.06 | 80.28 | 1950.78 | 31850.18 |
| 21 | 2026-12 | 2031.06 | 75.64 | 1955.42 | 29894.76 |
| 22 | 2027-01 | 2031.06 | 71.00 | 1960.06 | 27934.70 |
| 23 | 2027-02 | 2031.06 | 66.34 | 1964.72 | 25969.99 |
| 24 | 2027-03 | 2031.06 | 61.68 | 1969.38 | 24000.61 |
| 25 | 2027-04 | 2031.06 | 57.00 | 1974.06 | 22026.55 |
| 26 | 2027-05 | 2031.06 | 52.31 | 1978.75 | 20047.80 |
| 27 | 2027-06 | 2031.06 | 47.61 | 1983.45 | 18064.35 |
| 28 | 2027-07 | 2031.06 | 42.90 | 1988.16 | 16076.19 |
| 29 | 2027-08 | 2031.06 | 38.18 | 1992.88 | 14083.31 |
| 30 | 2027-09 | 2031.06 | 33.45 | 1997.61 | 12085.70 |
| 31 | 2027-10 | 2031.06 | 28.70 | 2002.36 | 10083.35 |
| 32 | 2027-11 | 2031.06 | 23.95 | 2007.11 | 8076.23 |
| 33 | 2027-12 | 2031.06 | 19.18 | 2011.88 | 6064.35 |
| 34 | 2028-01 | 2031.06 | 14.40 | 2016.66 | 4047.70 |
| 35 | 2028-02 | 2031.06 | 9.61 | 2021.45 | 2026.25 |
| 36 | 2028-03 | 2031.06 | 4.81 | 2026.25 | 0.00 |
等额本金还款方式：
贷款总额：7万
还款月数：3年
首月还款：2110.69元
每月递减：4.62元
利息总额：3075.63元
本息合计：7.31万
节省利息：42.55元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 2110.69 | 166.25 | 1944.44 | 68055.56 |
| 2 | 2025-05 | 2106.08 | 161.63 | 1944.44 | 66111.11 |
| 3 | 2025-06 | 2101.46 | 157.01 | 1944.44 | 64166.67 |
| 4 | 2025-07 | 2096.84 | 152.40 | 1944.44 | 62222.22 |
| 5 | 2025-08 | 2092.22 | 147.78 | 1944.44 | 60277.78 |
| 6 | 2025-09 | 2087.60 | 143.16 | 1944.44 | 58333.33 |
| 7 | 2025-10 | 2082.99 | 138.54 | 1944.44 | 56388.89 |
| 8 | 2025-11 | 2078.37 | 133.92 | 1944.44 | 54444.44 |
| 9 | 2025-12 | 2073.75 | 129.31 | 1944.44 | 52500.00 |
| 10 | 2026-01 | 2069.13 | 124.69 | 1944.44 | 50555.56 |
| 11 | 2026-02 | 2064.51 | 120.07 | 1944.44 | 48611.11 |
| 12 | 2026-03 | 2059.90 | 115.45 | 1944.44 | 46666.67 |
| 13 | 2026-04 | 2055.28 | 110.83 | 1944.44 | 44722.22 |
| 14 | 2026-05 | 2050.66 | 106.22 | 1944.44 | 42777.78 |
| 15 | 2026-06 | 2046.04 | 101.60 | 1944.44 | 40833.33 |
| 16 | 2026-07 | 2041.42 | 96.98 | 1944.44 | 38888.89 |
| 17 | 2026-08 | 2036.81 | 92.36 | 1944.44 | 36944.44 |
| 18 | 2026-09 | 2032.19 | 87.74 | 1944.44 | 35000.00 |
| 19 | 2026-10 | 2027.57 | 83.13 | 1944.44 | 33055.56 |
| 20 | 2026-11 | 2022.95 | 78.51 | 1944.44 | 31111.11 |
| 21 | 2026-12 | 2018.33 | 73.89 | 1944.44 | 29166.67 |
| 22 | 2027-01 | 2013.72 | 69.27 | 1944.44 | 27222.22 |
| 23 | 2027-02 | 2009.10 | 64.65 | 1944.44 | 25277.78 |
| 24 | 2027-03 | 2004.48 | 60.03 | 1944.44 | 23333.33 |
| 25 | 2027-04 | 1999.86 | 55.42 | 1944.44 | 21388.89 |
| 26 | 2027-05 | 1995.24 | 50.80 | 1944.44 | 19444.44 |
| 27 | 2027-06 | 1990.63 | 46.18 | 1944.44 | 17500.00 |
| 28 | 2027-07 | 1986.01 | 41.56 | 1944.44 | 15555.56 |
| 29 | 2027-08 | 1981.39 | 36.94 | 1944.44 | 13611.11 |
| 30 | 2027-09 | 1976.77 | 32.33 | 1944.44 | 11666.67 |
| 31 | 2027-10 | 1972.15 | 27.71 | 1944.44 | 9722.22 |
| 32 | 2027-11 | 1967.53 | 23.09 | 1944.44 | 7777.78 |
| 33 | 2027-12 | 1962.92 | 18.47 | 1944.44 | 5833.33 |
| 34 | 2028-01 | 1958.30 | 13.85 | 1944.44 | 3888.89 |
| 35 | 2028-02 | 1953.68 | 9.24 | 1944.44 | 1944.44 |
| 36 | 2028-03 | 1949.06 | 4.62 | 1944.44 | 0.00 |