贷款72万（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：72万
还款月数：2年6个月
每月还款：25052.49元
利息总额：3.16万
本息合计：75.16万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 25052.49 | 2010.00 | 23042.49 | 696957.51 |
| 2 | 2024-11 | 25052.49 | 1945.67 | 23106.82 | 673850.69 |
| 3 | 2024-12 | 25052.49 | 1881.17 | 23171.32 | 650679.37 |
| 4 | 2025-01 | 25052.49 | 1816.48 | 23236.01 | 627443.35 |
| 5 | 2025-02 | 25052.49 | 1751.61 | 23300.88 | 604142.48 |
| 6 | 2025-03 | 25052.49 | 1686.56 | 23365.93 | 580776.55 |
| 7 | 2025-04 | 25052.49 | 1621.33 | 23431.16 | 557345.39 |
| 8 | 2025-05 | 25052.49 | 1555.92 | 23496.57 | 533848.82 |
| 9 | 2025-06 | 25052.49 | 1490.33 | 23562.16 | 510286.66 |
| 10 | 2025-07 | 25052.49 | 1424.55 | 23627.94 | 486658.72 |
| 11 | 2025-08 | 25052.49 | 1358.59 | 23693.90 | 462964.82 |
| 12 | 2025-09 | 25052.49 | 1292.44 | 23760.05 | 439204.77 |
| 13 | 2025-10 | 25052.49 | 1226.11 | 23826.38 | 415378.39 |
| 14 | 2025-11 | 25052.49 | 1159.60 | 23892.89 | 391485.50 |
| 15 | 2025-12 | 25052.49 | 1092.90 | 23959.59 | 367525.90 |
| 16 | 2026-01 | 25052.49 | 1026.01 | 24026.48 | 343499.42 |
| 17 | 2026-02 | 25052.49 | 958.94 | 24093.56 | 319405.86 |
| 18 | 2026-03 | 25052.49 | 891.67 | 24160.82 | 295245.05 |
| 19 | 2026-04 | 25052.49 | 824.23 | 24228.27 | 271016.78 |
| 20 | 2026-05 | 25052.49 | 756.59 | 24295.90 | 246720.88 |
| 21 | 2026-06 | 25052.49 | 688.76 | 24363.73 | 222357.15 |
| 22 | 2026-07 | 25052.49 | 620.75 | 24431.74 | 197925.41 |
| 23 | 2026-08 | 25052.49 | 552.54 | 24499.95 | 173425.46 |
| 24 | 2026-09 | 25052.49 | 484.15 | 24568.35 | 148857.11 |
| 25 | 2026-10 | 25052.49 | 415.56 | 24636.93 | 124220.18 |
| 26 | 2026-11 | 25052.49 | 346.78 | 24705.71 | 99514.47 |
| 27 | 2026-12 | 25052.49 | 277.81 | 24774.68 | 74739.79 |
| 28 | 2027-01 | 25052.49 | 208.65 | 24843.84 | 49895.95 |
| 29 | 2027-02 | 25052.49 | 139.29 | 24913.20 | 24982.75 |
| 30 | 2027-03 | 25052.49 | 69.74 | 24982.75 | 0.00 |
等额本金还款方式：
贷款总额：72万
还款月数：2年6个月
首月还款：26010元
每月递减：67元
利息总额：3.12万
本息合计：75.12万
节省利息：419.74元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 26010.00 | 2010.00 | 24000.00 | 696000.00 |
| 2 | 2024-11 | 25943.00 | 1943.00 | 24000.00 | 672000.00 |
| 3 | 2024-12 | 25876.00 | 1876.00 | 24000.00 | 648000.00 |
| 4 | 2025-01 | 25809.00 | 1809.00 | 24000.00 | 624000.00 |
| 5 | 2025-02 | 25742.00 | 1742.00 | 24000.00 | 600000.00 |
| 6 | 2025-03 | 25675.00 | 1675.00 | 24000.00 | 576000.00 |
| 7 | 2025-04 | 25608.00 | 1608.00 | 24000.00 | 552000.00 |
| 8 | 2025-05 | 25541.00 | 1541.00 | 24000.00 | 528000.00 |
| 9 | 2025-06 | 25474.00 | 1474.00 | 24000.00 | 504000.00 |
| 10 | 2025-07 | 25407.00 | 1407.00 | 24000.00 | 480000.00 |
| 11 | 2025-08 | 25340.00 | 1340.00 | 24000.00 | 456000.00 |
| 12 | 2025-09 | 25273.00 | 1273.00 | 24000.00 | 432000.00 |
| 13 | 2025-10 | 25206.00 | 1206.00 | 24000.00 | 408000.00 |
| 14 | 2025-11 | 25139.00 | 1139.00 | 24000.00 | 384000.00 |
| 15 | 2025-12 | 25072.00 | 1072.00 | 24000.00 | 360000.00 |
| 16 | 2026-01 | 25005.00 | 1005.00 | 24000.00 | 336000.00 |
| 17 | 2026-02 | 24938.00 | 938.00 | 24000.00 | 312000.00 |
| 18 | 2026-03 | 24871.00 | 871.00 | 24000.00 | 288000.00 |
| 19 | 2026-04 | 24804.00 | 804.00 | 24000.00 | 264000.00 |
| 20 | 2026-05 | 24737.00 | 737.00 | 24000.00 | 240000.00 |
| 21 | 2026-06 | 24670.00 | 670.00 | 24000.00 | 216000.00 |
| 22 | 2026-07 | 24603.00 | 603.00 | 24000.00 | 192000.00 |
| 23 | 2026-08 | 24536.00 | 536.00 | 24000.00 | 168000.00 |
| 24 | 2026-09 | 24469.00 | 469.00 | 24000.00 | 144000.00 |
| 25 | 2026-10 | 24402.00 | 402.00 | 24000.00 | 120000.00 |
| 26 | 2026-11 | 24335.00 | 335.00 | 24000.00 | 96000.00 |
| 27 | 2026-12 | 24268.00 | 268.00 | 24000.00 | 72000.00 |
| 28 | 2027-01 | 24201.00 | 201.00 | 24000.00 | 48000.00 |
| 29 | 2027-02 | 24134.00 | 134.00 | 24000.00 | 24000.00 |
| 30 | 2027-03 | 24067.00 | 67.00 | 24000.00 | 0.00 |