贷款35万（公积金贷款）房贷，还款3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：35万
还款月数：3年
每月还款：10078.47元
利息总额：1.28万
本息合计：36.28万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 10078.47 | 685.42 | 9393.05 | 340606.95 |
| 2 | 2025-04 | 10078.47 | 667.02 | 9411.45 | 331195.50 |
| 3 | 2025-05 | 10078.47 | 648.59 | 9429.88 | 321765.62 |
| 4 | 2025-06 | 10078.47 | 630.12 | 9448.35 | 312317.28 |
| 5 | 2025-07 | 10078.47 | 611.62 | 9466.85 | 302850.43 |
| 6 | 2025-08 | 10078.47 | 593.08 | 9485.39 | 293365.04 |
| 7 | 2025-09 | 10078.47 | 574.51 | 9503.96 | 283861.08 |
| 8 | 2025-10 | 10078.47 | 555.89 | 9522.58 | 274338.50 |
| 9 | 2025-11 | 10078.47 | 537.25 | 9541.22 | 264797.28 |
| 10 | 2025-12 | 10078.47 | 518.56 | 9559.91 | 255237.37 |
| 11 | 2026-01 | 10078.47 | 499.84 | 9578.63 | 245658.74 |
| 12 | 2026-02 | 10078.47 | 481.08 | 9597.39 | 236061.35 |
| 13 | 2026-03 | 10078.47 | 462.29 | 9616.18 | 226445.17 |
| 14 | 2026-04 | 10078.47 | 443.46 | 9635.01 | 216810.15 |
| 15 | 2026-05 | 10078.47 | 424.59 | 9653.88 | 207156.27 |
| 16 | 2026-06 | 10078.47 | 405.68 | 9672.79 | 197483.48 |
| 17 | 2026-07 | 10078.47 | 386.74 | 9691.73 | 187791.75 |
| 18 | 2026-08 | 10078.47 | 367.76 | 9710.71 | 178081.04 |
| 19 | 2026-09 | 10078.47 | 348.74 | 9729.73 | 168351.31 |
| 20 | 2026-10 | 10078.47 | 329.69 | 9748.78 | 158602.53 |
| 21 | 2026-11 | 10078.47 | 310.60 | 9767.87 | 148834.66 |
| 22 | 2026-12 | 10078.47 | 291.47 | 9787.00 | 139047.66 |
| 23 | 2027-01 | 10078.47 | 272.30 | 9806.17 | 129241.49 |
| 24 | 2027-02 | 10078.47 | 253.10 | 9825.37 | 119416.12 |
| 25 | 2027-03 | 10078.47 | 233.86 | 9844.61 | 109571.50 |
| 26 | 2027-04 | 10078.47 | 214.58 | 9863.89 | 99707.61 |
| 27 | 2027-05 | 10078.47 | 195.26 | 9883.21 | 89824.40 |
| 28 | 2027-06 | 10078.47 | 175.91 | 9902.56 | 79921.84 |
| 29 | 2027-07 | 10078.47 | 156.51 | 9921.96 | 69999.88 |
| 30 | 2027-08 | 10078.47 | 137.08 | 9941.39 | 60058.50 |
| 31 | 2027-09 | 10078.47 | 117.61 | 9960.86 | 50097.64 |
| 32 | 2027-10 | 10078.47 | 98.11 | 9980.36 | 40117.28 |
| 33 | 2027-11 | 10078.47 | 78.56 | 9999.91 | 30117.37 |
| 34 | 2027-12 | 10078.47 | 58.98 | 10019.49 | 20097.88 |
| 35 | 2028-01 | 10078.47 | 39.36 | 10039.11 | 10058.77 |
| 36 | 2028-02 | 10078.47 | 19.70 | 10058.77 | 0.00 |
等额本金还款方式：
贷款总额：35万
还款月数：3年
首月还款：10407.64元
每月递减：19.04元
利息总额：1.27万
本息合计：36.27万
节省利息：144.7元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 10407.64 | 685.42 | 9722.22 | 340277.78 |
| 2 | 2025-04 | 10388.60 | 666.38 | 9722.22 | 330555.56 |
| 3 | 2025-05 | 10369.56 | 647.34 | 9722.22 | 320833.33 |
| 4 | 2025-06 | 10350.52 | 628.30 | 9722.22 | 311111.11 |
| 5 | 2025-07 | 10331.48 | 609.26 | 9722.22 | 301388.89 |
| 6 | 2025-08 | 10312.44 | 590.22 | 9722.22 | 291666.67 |
| 7 | 2025-09 | 10293.40 | 571.18 | 9722.22 | 281944.44 |
| 8 | 2025-10 | 10274.36 | 552.14 | 9722.22 | 272222.22 |
| 9 | 2025-11 | 10255.32 | 533.10 | 9722.22 | 262500.00 |
| 10 | 2025-12 | 10236.28 | 514.06 | 9722.22 | 252777.78 |
| 11 | 2026-01 | 10217.25 | 495.02 | 9722.22 | 243055.56 |
| 12 | 2026-02 | 10198.21 | 475.98 | 9722.22 | 233333.33 |
| 13 | 2026-03 | 10179.17 | 456.94 | 9722.22 | 223611.11 |
| 14 | 2026-04 | 10160.13 | 437.91 | 9722.22 | 213888.89 |
| 15 | 2026-05 | 10141.09 | 418.87 | 9722.22 | 204166.67 |
| 16 | 2026-06 | 10122.05 | 399.83 | 9722.22 | 194444.44 |
| 17 | 2026-07 | 10103.01 | 380.79 | 9722.22 | 184722.22 |
| 18 | 2026-08 | 10083.97 | 361.75 | 9722.22 | 175000.00 |
| 19 | 2026-09 | 10064.93 | 342.71 | 9722.22 | 165277.78 |
| 20 | 2026-10 | 10045.89 | 323.67 | 9722.22 | 155555.56 |
| 21 | 2026-11 | 10026.85 | 304.63 | 9722.22 | 145833.33 |
| 22 | 2026-12 | 10007.81 | 285.59 | 9722.22 | 136111.11 |
| 23 | 2027-01 | 9988.77 | 266.55 | 9722.22 | 126388.89 |
| 24 | 2027-02 | 9969.73 | 247.51 | 9722.22 | 116666.67 |
| 25 | 2027-03 | 9950.69 | 228.47 | 9722.22 | 106944.44 |
| 26 | 2027-04 | 9931.66 | 209.43 | 9722.22 | 97222.22 |
| 27 | 2027-05 | 9912.62 | 190.39 | 9722.22 | 87500.00 |
| 28 | 2027-06 | 9893.58 | 171.35 | 9722.22 | 77777.78 |
| 29 | 2027-07 | 9874.54 | 152.31 | 9722.22 | 68055.56 |
| 30 | 2027-08 | 9855.50 | 133.28 | 9722.22 | 58333.33 |
| 31 | 2027-09 | 9836.46 | 114.24 | 9722.22 | 48611.11 |
| 32 | 2027-10 | 9817.42 | 95.20 | 9722.22 | 38888.89 |
| 33 | 2027-11 | 9798.38 | 76.16 | 9722.22 | 29166.67 |
| 34 | 2027-12 | 9779.34 | 57.12 | 9722.22 | 19444.44 |
| 35 | 2028-01 | 9760.30 | 38.08 | 9722.22 | 9722.22 |
| 36 | 2028-02 | 9741.26 | 19.04 | 9722.22 | 0.00 |