贷款15.3万（公积金贷款）房贷，还款4年2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：15.3万
还款月数：4年2个月
每月还款：3248.91元
利息总额：9445.53元
本息合计：16.24万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2028-01 | 3248.91 | 363.38 | 2885.54 | 150114.46 |
| 2 | 2028-02 | 3248.91 | 356.52 | 2892.39 | 147222.08 |
| 3 | 2028-03 | 3248.91 | 349.65 | 2899.26 | 144322.82 |
| 4 | 2028-04 | 3248.91 | 342.77 | 2906.14 | 141416.67 |
| 5 | 2028-05 | 3248.91 | 335.86 | 2913.05 | 138503.63 |
| 6 | 2028-06 | 3248.91 | 328.95 | 2919.96 | 135583.66 |
| 7 | 2028-07 | 3248.91 | 322.01 | 2926.90 | 132656.76 |
| 8 | 2028-08 | 3248.91 | 315.06 | 2933.85 | 129722.91 |
| 9 | 2028-09 | 3248.91 | 308.09 | 2940.82 | 126782.09 |
| 10 | 2028-10 | 3248.91 | 301.11 | 2947.80 | 123834.29 |
| 11 | 2028-11 | 3248.91 | 294.11 | 2954.80 | 120879.49 |
| 12 | 2028-12 | 3248.91 | 287.09 | 2961.82 | 117917.67 |
| 13 | 2029-01 | 3248.91 | 280.05 | 2968.86 | 114948.81 |
| 14 | 2029-02 | 3248.91 | 273.00 | 2975.91 | 111972.90 |
| 15 | 2029-03 | 3248.91 | 265.94 | 2982.97 | 108989.93 |
| 16 | 2029-04 | 3248.91 | 258.85 | 2990.06 | 105999.87 |
| 17 | 2029-05 | 3248.91 | 251.75 | 2997.16 | 103002.71 |
| 18 | 2029-06 | 3248.91 | 244.63 | 3004.28 | 99998.43 |
| 19 | 2029-07 | 3248.91 | 237.50 | 3011.41 | 96987.01 |
| 20 | 2029-08 | 3248.91 | 230.34 | 3018.57 | 93968.45 |
| 21 | 2029-09 | 3248.91 | 223.18 | 3025.74 | 90942.71 |
| 22 | 2029-10 | 3248.91 | 215.99 | 3032.92 | 87909.79 |
| 23 | 2029-11 | 3248.91 | 208.79 | 3040.12 | 84869.66 |
| 24 | 2029-12 | 3248.91 | 201.57 | 3047.35 | 81822.32 |
| 25 | 2030-01 | 3248.91 | 194.33 | 3054.58 | 78767.74 |
| 26 | 2030-02 | 3248.91 | 187.07 | 3061.84 | 75705.90 |
| 27 | 2030-03 | 3248.91 | 179.80 | 3069.11 | 72636.79 |
| 28 | 2030-04 | 3248.91 | 172.51 | 3076.40 | 69560.39 |
| 29 | 2030-05 | 3248.91 | 165.21 | 3083.70 | 66476.69 |
| 30 | 2030-06 | 3248.91 | 157.88 | 3091.03 | 63385.66 |
| 31 | 2030-07 | 3248.91 | 150.54 | 3098.37 | 60287.29 |
| 32 | 2030-08 | 3248.91 | 143.18 | 3105.73 | 57181.56 |
| 33 | 2030-09 | 3248.91 | 135.81 | 3113.10 | 54068.46 |
| 34 | 2030-10 | 3248.91 | 128.41 | 3120.50 | 50947.96 |
| 35 | 2030-11 | 3248.91 | 121.00 | 3127.91 | 47820.05 |
| 36 | 2030-12 | 3248.91 | 113.57 | 3135.34 | 44684.71 |
| 37 | 2031-01 | 3248.91 | 106.13 | 3142.78 | 41541.93 |
| 38 | 2031-02 | 3248.91 | 98.66 | 3150.25 | 38391.68 |
| 39 | 2031-03 | 3248.91 | 91.18 | 3157.73 | 35233.95 |
| 40 | 2031-04 | 3248.91 | 83.68 | 3165.23 | 32068.72 |
| 41 | 2031-05 | 3248.91 | 76.16 | 3172.75 | 28895.97 |
| 42 | 2031-06 | 3248.91 | 68.63 | 3180.28 | 25715.69 |
| 43 | 2031-07 | 3248.91 | 61.07 | 3187.84 | 22527.85 |
| 44 | 2031-08 | 3248.91 | 53.50 | 3195.41 | 19332.45 |
| 45 | 2031-09 | 3248.91 | 45.91 | 3203.00 | 16129.45 |
| 46 | 2031-10 | 3248.91 | 38.31 | 3210.60 | 12918.85 |
| 47 | 2031-11 | 3248.91 | 30.68 | 3218.23 | 9700.62 |
| 48 | 2031-12 | 3248.91 | 23.04 | 3225.87 | 6474.75 |
| 49 | 2032-01 | 3248.91 | 15.38 | 3233.53 | 3241.21 |
| 50 | 2032-02 | 3248.91 | 7.70 | 3241.21 | 0.00 |
等额本金还款方式：
贷款总额：15.3万
还款月数：4年2个月
首月还款：3423.38元
每月递减：7.27元
利息总额：9266.06元
本息合计：16.23万
节省利息：179.47元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2028-01 | 3423.38 | 363.38 | 3060.00 | 149940.00 |
| 2 | 2028-02 | 3416.11 | 356.11 | 3060.00 | 146880.00 |
| 3 | 2028-03 | 3408.84 | 348.84 | 3060.00 | 143820.00 |
| 4 | 2028-04 | 3401.57 | 341.57 | 3060.00 | 140760.00 |
| 5 | 2028-05 | 3394.30 | 334.31 | 3060.00 | 137700.00 |
| 6 | 2028-06 | 3387.04 | 327.04 | 3060.00 | 134640.00 |
| 7 | 2028-07 | 3379.77 | 319.77 | 3060.00 | 131580.00 |
| 8 | 2028-08 | 3372.50 | 312.50 | 3060.00 | 128520.00 |
| 9 | 2028-09 | 3365.24 | 305.24 | 3060.00 | 125460.00 |
| 10 | 2028-10 | 3357.97 | 297.97 | 3060.00 | 122400.00 |
| 11 | 2028-11 | 3350.70 | 290.70 | 3060.00 | 119340.00 |
| 12 | 2028-12 | 3343.43 | 283.43 | 3060.00 | 116280.00 |
| 13 | 2029-01 | 3336.16 | 276.17 | 3060.00 | 113220.00 |
| 14 | 2029-02 | 3328.90 | 268.90 | 3060.00 | 110160.00 |
| 15 | 2029-03 | 3321.63 | 261.63 | 3060.00 | 107100.00 |
| 16 | 2029-04 | 3314.36 | 254.36 | 3060.00 | 104040.00 |
| 17 | 2029-05 | 3307.09 | 247.09 | 3060.00 | 100980.00 |
| 18 | 2029-06 | 3299.83 | 239.83 | 3060.00 | 97920.00 |
| 19 | 2029-07 | 3292.56 | 232.56 | 3060.00 | 94860.00 |
| 20 | 2029-08 | 3285.29 | 225.29 | 3060.00 | 91800.00 |
| 21 | 2029-09 | 3278.03 | 218.03 | 3060.00 | 88740.00 |
| 22 | 2029-10 | 3270.76 | 210.76 | 3060.00 | 85680.00 |
| 23 | 2029-11 | 3263.49 | 203.49 | 3060.00 | 82620.00 |
| 24 | 2029-12 | 3256.22 | 196.22 | 3060.00 | 79560.00 |
| 25 | 2030-01 | 3248.95 | 188.95 | 3060.00 | 76500.00 |
| 26 | 2030-02 | 3241.69 | 181.69 | 3060.00 | 73440.00 |
| 27 | 2030-03 | 3234.42 | 174.42 | 3060.00 | 70380.00 |
| 28 | 2030-04 | 3227.15 | 167.15 | 3060.00 | 67320.00 |
| 29 | 2030-05 | 3219.89 | 159.88 | 3060.00 | 64260.00 |
| 30 | 2030-06 | 3212.62 | 152.62 | 3060.00 | 61200.00 |
| 31 | 2030-07 | 3205.35 | 145.35 | 3060.00 | 58140.00 |
| 32 | 2030-08 | 3198.08 | 138.08 | 3060.00 | 55080.00 |
| 33 | 2030-09 | 3190.82 | 130.81 | 3060.00 | 52020.00 |
| 34 | 2030-10 | 3183.55 | 123.55 | 3060.00 | 48960.00 |
| 35 | 2030-11 | 3176.28 | 116.28 | 3060.00 | 45900.00 |
| 36 | 2030-12 | 3169.01 | 109.01 | 3060.00 | 42840.00 |
| 37 | 2031-01 | 3161.74 | 101.75 | 3060.00 | 39780.00 |
| 38 | 2031-02 | 3154.48 | 94.48 | 3060.00 | 36720.00 |
| 39 | 2031-03 | 3147.21 | 87.21 | 3060.00 | 33660.00 |
| 40 | 2031-04 | 3139.94 | 79.94 | 3060.00 | 30600.00 |
| 41 | 2031-05 | 3132.68 | 72.67 | 3060.00 | 27540.00 |
| 42 | 2031-06 | 3125.41 | 65.41 | 3060.00 | 24480.00 |
| 43 | 2031-07 | 3118.14 | 58.14 | 3060.00 | 21420.00 |
| 44 | 2031-08 | 3110.87 | 50.87 | 3060.00 | 18360.00 |
| 45 | 2031-09 | 3103.61 | 43.60 | 3060.00 | 15300.00 |
| 46 | 2031-10 | 3096.34 | 36.34 | 3060.00 | 12240.00 |
| 47 | 2031-11 | 3089.07 | 29.07 | 3060.00 | 9180.00 |
| 48 | 2031-12 | 3081.80 | 21.80 | 3060.00 | 6120.00 |
| 49 | 2032-01 | 3074.53 | 14.54 | 3060.00 | 3060.00 |
| 50 | 2032-02 | 3067.27 | 7.27 | 3060.00 | 0.00 |