贷款70万（公积金贷款）房贷，还款3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：70万
还款月数：3年6个月
每月还款：17982.07元
利息总额：5.52万
本息合计：75.52万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 17982.07 | 2508.33 | 15473.73 | 684526.27 |
| 2 | 2024-04 | 17982.07 | 2452.89 | 15529.18 | 668997.08 |
| 3 | 2024-05 | 17982.07 | 2397.24 | 15584.83 | 653412.26 |
| 4 | 2024-06 | 17982.07 | 2341.39 | 15640.67 | 637771.58 |
| 5 | 2024-07 | 17982.07 | 2285.35 | 15696.72 | 622074.86 |
| 6 | 2024-08 | 17982.07 | 2229.10 | 15752.97 | 606321.90 |
| 7 | 2024-09 | 17982.07 | 2172.65 | 15809.41 | 590512.48 |
| 8 | 2024-10 | 17982.07 | 2116.00 | 15866.06 | 574646.42 |
| 9 | 2024-11 | 17982.07 | 2059.15 | 15922.92 | 558723.50 |
| 10 | 2024-12 | 17982.07 | 2002.09 | 15979.97 | 542743.53 |
| 11 | 2025-01 | 17982.07 | 1944.83 | 16037.24 | 526706.29 |
| 12 | 2025-02 | 17982.07 | 1887.36 | 16094.70 | 510611.59 |
| 13 | 2025-03 | 17982.07 | 1829.69 | 16152.38 | 494459.21 |
| 14 | 2025-04 | 17982.07 | 1771.81 | 16210.26 | 478248.96 |
| 15 | 2025-05 | 17982.07 | 1713.73 | 16268.34 | 461980.62 |
| 16 | 2025-06 | 17982.07 | 1655.43 | 16326.64 | 445653.98 |
| 17 | 2025-07 | 17982.07 | 1596.93 | 16385.14 | 429268.84 |
| 18 | 2025-08 | 17982.07 | 1538.21 | 16443.85 | 412824.98 |
| 19 | 2025-09 | 17982.07 | 1479.29 | 16502.78 | 396322.21 |
| 20 | 2025-10 | 17982.07 | 1420.15 | 16561.91 | 379760.29 |
| 21 | 2025-11 | 17982.07 | 1360.81 | 16621.26 | 363139.03 |
| 22 | 2025-12 | 17982.07 | 1301.25 | 16680.82 | 346458.22 |
| 23 | 2026-01 | 17982.07 | 1241.48 | 16740.59 | 329717.62 |
| 24 | 2026-02 | 17982.07 | 1181.49 | 16800.58 | 312917.04 |
| 25 | 2026-03 | 17982.07 | 1121.29 | 16860.78 | 296056.26 |
| 26 | 2026-04 | 17982.07 | 1060.87 | 16921.20 | 279135.06 |
| 27 | 2026-05 | 17982.07 | 1000.23 | 16981.83 | 262153.23 |
| 28 | 2026-06 | 17982.07 | 939.38 | 17042.68 | 245110.55 |
| 29 | 2026-07 | 17982.07 | 878.31 | 17103.75 | 228006.79 |
| 30 | 2026-08 | 17982.07 | 817.02 | 17165.04 | 210841.75 |
| 31 | 2026-09 | 17982.07 | 755.52 | 17226.55 | 193615.20 |
| 32 | 2026-10 | 17982.07 | 693.79 | 17288.28 | 176326.92 |
| 33 | 2026-11 | 17982.07 | 631.84 | 17350.23 | 158976.69 |
| 34 | 2026-12 | 17982.07 | 569.67 | 17412.40 | 141564.29 |
| 35 | 2027-01 | 17982.07 | 507.27 | 17474.80 | 124089.49 |
| 36 | 2027-02 | 17982.07 | 444.65 | 17537.41 | 106552.08 |
| 37 | 2027-03 | 17982.07 | 381.81 | 17600.26 | 88951.82 |
| 38 | 2027-04 | 17982.07 | 318.74 | 17663.32 | 71288.50 |
| 39 | 2027-05 | 17982.07 | 255.45 | 17726.62 | 53561.88 |
| 40 | 2027-06 | 17982.07 | 191.93 | 17790.14 | 35771.75 |
| 41 | 2027-07 | 17982.07 | 128.18 | 17853.89 | 17917.86 |
| 42 | 2027-08 | 17982.07 | 64.21 | 17917.86 | 0.00 |
等额本金还款方式：
贷款总额：70万
还款月数：3年6个月
首月还款：19175元
每月递减：59.72元
利息总额：5.39万
本息合计：75.39万
节省利息：1317.66元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 19175.00 | 2508.33 | 16666.67 | 683333.33 |
| 2 | 2024-04 | 19115.28 | 2448.61 | 16666.67 | 666666.67 |
| 3 | 2024-05 | 19055.56 | 2388.89 | 16666.67 | 650000.00 |
| 4 | 2024-06 | 18995.83 | 2329.17 | 16666.67 | 633333.33 |
| 5 | 2024-07 | 18936.11 | 2269.44 | 16666.67 | 616666.67 |
| 6 | 2024-08 | 18876.39 | 2209.72 | 16666.67 | 600000.00 |
| 7 | 2024-09 | 18816.67 | 2150.00 | 16666.67 | 583333.33 |
| 8 | 2024-10 | 18756.94 | 2090.28 | 16666.67 | 566666.67 |
| 9 | 2024-11 | 18697.22 | 2030.56 | 16666.67 | 550000.00 |
| 10 | 2024-12 | 18637.50 | 1970.83 | 16666.67 | 533333.33 |
| 11 | 2025-01 | 18577.78 | 1911.11 | 16666.67 | 516666.67 |
| 12 | 2025-02 | 18518.06 | 1851.39 | 16666.67 | 500000.00 |
| 13 | 2025-03 | 18458.33 | 1791.67 | 16666.67 | 483333.33 |
| 14 | 2025-04 | 18398.61 | 1731.94 | 16666.67 | 466666.67 |
| 15 | 2025-05 | 18338.89 | 1672.22 | 16666.67 | 450000.00 |
| 16 | 2025-06 | 18279.17 | 1612.50 | 16666.67 | 433333.33 |
| 17 | 2025-07 | 18219.44 | 1552.78 | 16666.67 | 416666.67 |
| 18 | 2025-08 | 18159.72 | 1493.06 | 16666.67 | 400000.00 |
| 19 | 2025-09 | 18100.00 | 1433.33 | 16666.67 | 383333.33 |
| 20 | 2025-10 | 18040.28 | 1373.61 | 16666.67 | 366666.67 |
| 21 | 2025-11 | 17980.56 | 1313.89 | 16666.67 | 350000.00 |
| 22 | 2025-12 | 17920.83 | 1254.17 | 16666.67 | 333333.33 |
| 23 | 2026-01 | 17861.11 | 1194.44 | 16666.67 | 316666.67 |
| 24 | 2026-02 | 17801.39 | 1134.72 | 16666.67 | 300000.00 |
| 25 | 2026-03 | 17741.67 | 1075.00 | 16666.67 | 283333.33 |
| 26 | 2026-04 | 17681.94 | 1015.28 | 16666.67 | 266666.67 |
| 27 | 2026-05 | 17622.22 | 955.56 | 16666.67 | 250000.00 |
| 28 | 2026-06 | 17562.50 | 895.83 | 16666.67 | 233333.33 |
| 29 | 2026-07 | 17502.78 | 836.11 | 16666.67 | 216666.67 |
| 30 | 2026-08 | 17443.06 | 776.39 | 16666.67 | 200000.00 |
| 31 | 2026-09 | 17383.33 | 716.67 | 16666.67 | 183333.33 |
| 32 | 2026-10 | 17323.61 | 656.94 | 16666.67 | 166666.67 |
| 33 | 2026-11 | 17263.89 | 597.22 | 16666.67 | 150000.00 |
| 34 | 2026-12 | 17204.17 | 537.50 | 16666.67 | 133333.33 |
| 35 | 2027-01 | 17144.44 | 477.78 | 16666.67 | 116666.67 |
| 36 | 2027-02 | 17084.72 | 418.06 | 16666.67 | 100000.00 |
| 37 | 2027-03 | 17025.00 | 358.33 | 16666.67 | 83333.33 |
| 38 | 2027-04 | 16965.28 | 298.61 | 16666.67 | 66666.67 |
| 39 | 2027-05 | 16905.56 | 238.89 | 16666.67 | 50000.00 |
| 40 | 2027-06 | 16845.83 | 179.17 | 16666.67 | 33333.33 |
| 41 | 2027-07 | 16786.11 | 119.44 | 16666.67 | 16666.67 |
| 42 | 2027-08 | 16726.39 | 59.72 | 16666.67 | 0.00 |