贷款15.3万（公积金贷款）房贷，还款3年9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：3年9个月
每月还款：3588.96元
利息总额：8502.99元
本息合计：16.15万
| 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 | 3588.96 | 363.38 | 3225.58 | 149774.42 |
| 2 | 2028-02 | 3588.96 | 355.71 | 3233.24 | 146541.18 |
| 3 | 2028-03 | 3588.96 | 348.04 | 3240.92 | 143300.26 |
| 4 | 2028-04 | 3588.96 | 340.34 | 3248.62 | 140051.64 |
| 5 | 2028-05 | 3588.96 | 332.62 | 3256.33 | 136795.31 |
| 6 | 2028-06 | 3588.96 | 324.89 | 3264.07 | 133531.24 |
| 7 | 2028-07 | 3588.96 | 317.14 | 3271.82 | 130259.42 |
| 8 | 2028-08 | 3588.96 | 309.37 | 3279.59 | 126979.83 |
| 9 | 2028-09 | 3588.96 | 301.58 | 3287.38 | 123692.46 |
| 10 | 2028-10 | 3588.96 | 293.77 | 3295.19 | 120397.27 |
| 11 | 2028-11 | 3588.96 | 285.94 | 3303.01 | 117094.26 |
| 12 | 2028-12 | 3588.96 | 278.10 | 3310.86 | 113783.40 |
| 13 | 2029-01 | 3588.96 | 270.24 | 3318.72 | 110464.68 |
| 14 | 2029-02 | 3588.96 | 262.35 | 3326.60 | 107138.08 |
| 15 | 2029-03 | 3588.96 | 254.45 | 3334.50 | 103803.58 |
| 16 | 2029-04 | 3588.96 | 246.53 | 3342.42 | 100461.16 |
| 17 | 2029-05 | 3588.96 | 238.60 | 3350.36 | 97110.80 |
| 18 | 2029-06 | 3588.96 | 230.64 | 3358.32 | 93752.48 |
| 19 | 2029-07 | 3588.96 | 222.66 | 3366.29 | 90386.19 |
| 20 | 2029-08 | 3588.96 | 214.67 | 3374.29 | 87011.90 |
| 21 | 2029-09 | 3588.96 | 206.65 | 3382.30 | 83629.60 |
| 22 | 2029-10 | 3588.96 | 198.62 | 3390.33 | 80239.26 |
| 23 | 2029-11 | 3588.96 | 190.57 | 3398.39 | 76840.88 |
| 24 | 2029-12 | 3588.96 | 182.50 | 3406.46 | 73434.42 |
| 25 | 2030-01 | 3588.96 | 174.41 | 3414.55 | 70019.87 |
| 26 | 2030-02 | 3588.96 | 166.30 | 3422.66 | 66597.21 |
| 27 | 2030-03 | 3588.96 | 158.17 | 3430.79 | 63166.42 |
| 28 | 2030-04 | 3588.96 | 150.02 | 3438.94 | 59727.49 |
| 29 | 2030-05 | 3588.96 | 141.85 | 3447.10 | 56280.39 |
| 30 | 2030-06 | 3588.96 | 133.67 | 3455.29 | 52825.10 |
| 31 | 2030-07 | 3588.96 | 125.46 | 3463.50 | 49361.60 |
| 32 | 2030-08 | 3588.96 | 117.23 | 3471.72 | 45889.88 |
| 33 | 2030-09 | 3588.96 | 108.99 | 3479.97 | 42409.91 |
| 34 | 2030-10 | 3588.96 | 100.72 | 3488.23 | 38921.68 |
| 35 | 2030-11 | 3588.96 | 92.44 | 3496.52 | 35425.16 |
| 36 | 2030-12 | 3588.96 | 84.13 | 3504.82 | 31920.34 |
| 37 | 2031-01 | 3588.96 | 75.81 | 3513.14 | 28407.20 |
| 38 | 2031-02 | 3588.96 | 67.47 | 3521.49 | 24885.71 |
| 39 | 2031-03 | 3588.96 | 59.10 | 3529.85 | 21355.86 |
| 40 | 2031-04 | 3588.96 | 50.72 | 3538.24 | 17817.62 |
| 41 | 2031-05 | 3588.96 | 42.32 | 3546.64 | 14270.99 |
| 42 | 2031-06 | 3588.96 | 33.89 | 3555.06 | 10715.92 |
| 43 | 2031-07 | 3588.96 | 25.45 | 3563.50 | 7152.42 |
| 44 | 2031-08 | 3588.96 | 16.99 | 3571.97 | 3580.45 |
| 45 | 2031-09 | 3588.96 | 8.50 | 3580.45 | 0.00 |
等额本金还款方式：
贷款总额：15.3万
还款月数：3年9个月
首月还款：3763.38元
每月递减：8.08元
利息总额：8357.63元
本息合计：16.14万
节省利息：145.36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 | 3763.38 | 363.38 | 3400.00 | 149600.00 |
| 2 | 2028-02 | 3755.30 | 355.30 | 3400.00 | 146200.00 |
| 3 | 2028-03 | 3747.22 | 347.22 | 3400.00 | 142800.00 |
| 4 | 2028-04 | 3739.15 | 339.15 | 3400.00 | 139400.00 |
| 5 | 2028-05 | 3731.07 | 331.07 | 3400.00 | 136000.00 |
| 6 | 2028-06 | 3723.00 | 323.00 | 3400.00 | 132600.00 |
| 7 | 2028-07 | 3714.93 | 314.93 | 3400.00 | 129200.00 |
| 8 | 2028-08 | 3706.85 | 306.85 | 3400.00 | 125800.00 |
| 9 | 2028-09 | 3698.78 | 298.77 | 3400.00 | 122400.00 |
| 10 | 2028-10 | 3690.70 | 290.70 | 3400.00 | 119000.00 |
| 11 | 2028-11 | 3682.63 | 282.63 | 3400.00 | 115600.00 |
| 12 | 2028-12 | 3674.55 | 274.55 | 3400.00 | 112200.00 |
| 13 | 2029-01 | 3666.47 | 266.47 | 3400.00 | 108800.00 |
| 14 | 2029-02 | 3658.40 | 258.40 | 3400.00 | 105400.00 |
| 15 | 2029-03 | 3650.32 | 250.32 | 3400.00 | 102000.00 |
| 16 | 2029-04 | 3642.25 | 242.25 | 3400.00 | 98600.00 |
| 17 | 2029-05 | 3634.18 | 234.17 | 3400.00 | 95200.00 |
| 18 | 2029-06 | 3626.10 | 226.10 | 3400.00 | 91800.00 |
| 19 | 2029-07 | 3618.03 | 218.03 | 3400.00 | 88400.00 |
| 20 | 2029-08 | 3609.95 | 209.95 | 3400.00 | 85000.00 |
| 21 | 2029-09 | 3601.88 | 201.88 | 3400.00 | 81600.00 |
| 22 | 2029-10 | 3593.80 | 193.80 | 3400.00 | 78200.00 |
| 23 | 2029-11 | 3585.72 | 185.72 | 3400.00 | 74800.00 |
| 24 | 2029-12 | 3577.65 | 177.65 | 3400.00 | 71400.00 |
| 25 | 2030-01 | 3569.57 | 169.57 | 3400.00 | 68000.00 |
| 26 | 2030-02 | 3561.50 | 161.50 | 3400.00 | 64600.00 |
| 27 | 2030-03 | 3553.43 | 153.42 | 3400.00 | 61200.00 |
| 28 | 2030-04 | 3545.35 | 145.35 | 3400.00 | 57800.00 |
| 29 | 2030-05 | 3537.28 | 137.28 | 3400.00 | 54400.00 |
| 30 | 2030-06 | 3529.20 | 129.20 | 3400.00 | 51000.00 |
| 31 | 2030-07 | 3521.13 | 121.13 | 3400.00 | 47600.00 |
| 32 | 2030-08 | 3513.05 | 113.05 | 3400.00 | 44200.00 |
| 33 | 2030-09 | 3504.97 | 104.97 | 3400.00 | 40800.00 |
| 34 | 2030-10 | 3496.90 | 96.90 | 3400.00 | 37400.00 |
| 35 | 2030-11 | 3488.82 | 88.83 | 3400.00 | 34000.00 |
| 36 | 2030-12 | 3480.75 | 80.75 | 3400.00 | 30600.00 |
| 37 | 2031-01 | 3472.68 | 72.67 | 3400.00 | 27200.00 |
| 38 | 2031-02 | 3464.60 | 64.60 | 3400.00 | 23800.00 |
| 39 | 2031-03 | 3456.53 | 56.52 | 3400.00 | 20400.00 |
| 40 | 2031-04 | 3448.45 | 48.45 | 3400.00 | 17000.00 |
| 41 | 2031-05 | 3440.38 | 40.38 | 3400.00 | 13600.00 |
| 42 | 2031-06 | 3432.30 | 32.30 | 3400.00 | 10200.00 |
| 43 | 2031-07 | 3424.22 | 24.22 | 3400.00 | 6800.00 |
| 44 | 2031-08 | 3416.15 | 16.15 | 3400.00 | 3400.00 |
| 45 | 2031-09 | 3408.07 | 8.07 | 3400.00 | 0.00 |