贷款15.3万（公积金贷款）房贷，还款4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：15.3万
还款月数：4年
每月还款：3376.42元
利息总额：9068.08元
本息合计：16.21万
| 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 | 3376.42 | 363.38 | 3013.04 | 149986.96 |
| 2 | 2028-02 | 3376.42 | 356.22 | 3020.20 | 146966.76 |
| 3 | 2028-03 | 3376.42 | 349.05 | 3027.37 | 143939.38 |
| 4 | 2028-04 | 3376.42 | 341.86 | 3034.56 | 140904.82 |
| 5 | 2028-05 | 3376.42 | 334.65 | 3041.77 | 137863.05 |
| 6 | 2028-06 | 3376.42 | 327.42 | 3048.99 | 134814.06 |
| 7 | 2028-07 | 3376.42 | 320.18 | 3056.23 | 131757.82 |
| 8 | 2028-08 | 3376.42 | 312.92 | 3063.49 | 128694.33 |
| 9 | 2028-09 | 3376.42 | 305.65 | 3070.77 | 125623.56 |
| 10 | 2028-10 | 3376.42 | 298.36 | 3078.06 | 122545.50 |
| 11 | 2028-11 | 3376.42 | 291.05 | 3085.37 | 119460.13 |
| 12 | 2028-12 | 3376.42 | 283.72 | 3092.70 | 116367.43 |
| 13 | 2029-01 | 3376.42 | 276.37 | 3100.05 | 113267.38 |
| 14 | 2029-02 | 3376.42 | 269.01 | 3107.41 | 110159.97 |
| 15 | 2029-03 | 3376.42 | 261.63 | 3114.79 | 107045.18 |
| 16 | 2029-04 | 3376.42 | 254.23 | 3122.19 | 103923.00 |
| 17 | 2029-05 | 3376.42 | 246.82 | 3129.60 | 100793.40 |
| 18 | 2029-06 | 3376.42 | 239.38 | 3137.03 | 97656.36 |
| 19 | 2029-07 | 3376.42 | 231.93 | 3144.48 | 94511.88 |
| 20 | 2029-08 | 3376.42 | 224.47 | 3151.95 | 91359.92 |
| 21 | 2029-09 | 3376.42 | 216.98 | 3159.44 | 88200.49 |
| 22 | 2029-10 | 3376.42 | 209.48 | 3166.94 | 85033.54 |
| 23 | 2029-11 | 3376.42 | 201.95 | 3174.46 | 81859.08 |
| 24 | 2029-12 | 3376.42 | 194.42 | 3182.00 | 78677.08 |
| 25 | 2030-01 | 3376.42 | 186.86 | 3189.56 | 75487.52 |
| 26 | 2030-02 | 3376.42 | 179.28 | 3197.14 | 72290.38 |
| 27 | 2030-03 | 3376.42 | 171.69 | 3204.73 | 69085.65 |
| 28 | 2030-04 | 3376.42 | 164.08 | 3212.34 | 65873.31 |
| 29 | 2030-05 | 3376.42 | 156.45 | 3219.97 | 62653.34 |
| 30 | 2030-06 | 3376.42 | 148.80 | 3227.62 | 59425.73 |
| 31 | 2030-07 | 3376.42 | 141.14 | 3235.28 | 56190.44 |
| 32 | 2030-08 | 3376.42 | 133.45 | 3242.97 | 52947.48 |
| 33 | 2030-09 | 3376.42 | 125.75 | 3250.67 | 49696.81 |
| 34 | 2030-10 | 3376.42 | 118.03 | 3258.39 | 46438.42 |
| 35 | 2030-11 | 3376.42 | 110.29 | 3266.13 | 43172.29 |
| 36 | 2030-12 | 3376.42 | 102.53 | 3273.88 | 39898.41 |
| 37 | 2031-01 | 3376.42 | 94.76 | 3281.66 | 36616.75 |
| 38 | 2031-02 | 3376.42 | 86.96 | 3289.45 | 33327.30 |
| 39 | 2031-03 | 3376.42 | 79.15 | 3297.27 | 30030.03 |
| 40 | 2031-04 | 3376.42 | 71.32 | 3305.10 | 26724.93 |
| 41 | 2031-05 | 3376.42 | 63.47 | 3312.95 | 23411.99 |
| 42 | 2031-06 | 3376.42 | 55.60 | 3320.81 | 20091.17 |
| 43 | 2031-07 | 3376.42 | 47.72 | 3328.70 | 16762.47 |
| 44 | 2031-08 | 3376.42 | 39.81 | 3336.61 | 13425.86 |
| 45 | 2031-09 | 3376.42 | 31.89 | 3344.53 | 10081.33 |
| 46 | 2031-10 | 3376.42 | 23.94 | 3352.48 | 6728.86 |
| 47 | 2031-11 | 3376.42 | 15.98 | 3360.44 | 3368.42 |
| 48 | 2031-12 | 3376.42 | 8.00 | 3368.42 | 0.00 |
等额本金还款方式：
贷款总额：15.3万
还款月数：4年
首月还款：3550.88元
每月递减：7.57元
利息总额：8902.69元
本息合计：16.19万
节省利息：165.39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 | 3550.88 | 363.38 | 3187.50 | 149812.50 |
| 2 | 2028-02 | 3543.30 | 355.80 | 3187.50 | 146625.00 |
| 3 | 2028-03 | 3535.73 | 348.23 | 3187.50 | 143437.50 |
| 4 | 2028-04 | 3528.16 | 340.66 | 3187.50 | 140250.00 |
| 5 | 2028-05 | 3520.59 | 333.09 | 3187.50 | 137062.50 |
| 6 | 2028-06 | 3513.02 | 325.52 | 3187.50 | 133875.00 |
| 7 | 2028-07 | 3505.45 | 317.95 | 3187.50 | 130687.50 |
| 8 | 2028-08 | 3497.88 | 310.38 | 3187.50 | 127500.00 |
| 9 | 2028-09 | 3490.31 | 302.81 | 3187.50 | 124312.50 |
| 10 | 2028-10 | 3482.74 | 295.24 | 3187.50 | 121125.00 |
| 11 | 2028-11 | 3475.17 | 287.67 | 3187.50 | 117937.50 |
| 12 | 2028-12 | 3467.60 | 280.10 | 3187.50 | 114750.00 |
| 13 | 2029-01 | 3460.03 | 272.53 | 3187.50 | 111562.50 |
| 14 | 2029-02 | 3452.46 | 264.96 | 3187.50 | 108375.00 |
| 15 | 2029-03 | 3444.89 | 257.39 | 3187.50 | 105187.50 |
| 16 | 2029-04 | 3437.32 | 249.82 | 3187.50 | 102000.00 |
| 17 | 2029-05 | 3429.75 | 242.25 | 3187.50 | 98812.50 |
| 18 | 2029-06 | 3422.18 | 234.68 | 3187.50 | 95625.00 |
| 19 | 2029-07 | 3414.61 | 227.11 | 3187.50 | 92437.50 |
| 20 | 2029-08 | 3407.04 | 219.54 | 3187.50 | 89250.00 |
| 21 | 2029-09 | 3399.47 | 211.97 | 3187.50 | 86062.50 |
| 22 | 2029-10 | 3391.90 | 204.40 | 3187.50 | 82875.00 |
| 23 | 2029-11 | 3384.33 | 196.83 | 3187.50 | 79687.50 |
| 24 | 2029-12 | 3376.76 | 189.26 | 3187.50 | 76500.00 |
| 25 | 2030-01 | 3369.19 | 181.69 | 3187.50 | 73312.50 |
| 26 | 2030-02 | 3361.62 | 174.12 | 3187.50 | 70125.00 |
| 27 | 2030-03 | 3354.05 | 166.55 | 3187.50 | 66937.50 |
| 28 | 2030-04 | 3346.48 | 158.98 | 3187.50 | 63750.00 |
| 29 | 2030-05 | 3338.91 | 151.41 | 3187.50 | 60562.50 |
| 30 | 2030-06 | 3331.34 | 143.84 | 3187.50 | 57375.00 |
| 31 | 2030-07 | 3323.77 | 136.27 | 3187.50 | 54187.50 |
| 32 | 2030-08 | 3316.20 | 128.70 | 3187.50 | 51000.00 |
| 33 | 2030-09 | 3308.63 | 121.13 | 3187.50 | 47812.50 |
| 34 | 2030-10 | 3301.05 | 113.55 | 3187.50 | 44625.00 |
| 35 | 2030-11 | 3293.48 | 105.98 | 3187.50 | 41437.50 |
| 36 | 2030-12 | 3285.91 | 98.41 | 3187.50 | 38250.00 |
| 37 | 2031-01 | 3278.34 | 90.84 | 3187.50 | 35062.50 |
| 38 | 2031-02 | 3270.77 | 83.27 | 3187.50 | 31875.00 |
| 39 | 2031-03 | 3263.20 | 75.70 | 3187.50 | 28687.50 |
| 40 | 2031-04 | 3255.63 | 68.13 | 3187.50 | 25500.00 |
| 41 | 2031-05 | 3248.06 | 60.56 | 3187.50 | 22312.50 |
| 42 | 2031-06 | 3240.49 | 52.99 | 3187.50 | 19125.00 |
| 43 | 2031-07 | 3232.92 | 45.42 | 3187.50 | 15937.50 |
| 44 | 2031-08 | 3225.35 | 37.85 | 3187.50 | 12750.00 |
| 45 | 2031-09 | 3217.78 | 30.28 | 3187.50 | 9562.50 |
| 46 | 2031-10 | 3210.21 | 22.71 | 3187.50 | 6375.00 |
| 47 | 2031-11 | 3202.64 | 15.14 | 3187.50 | 3187.50 |
| 48 | 2031-12 | 3195.07 | 7.57 | 3187.50 | 0.00 |