贷款80万（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：80万
还款月数：3年9个月
每月还款：18415.27元
利息总额：2.87万
本息合计：82.87万
| 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 | 18415.27 | 1233.33 | 17181.94 | 782818.06 |
| 2 | 2025-04 | 18415.27 | 1206.84 | 17208.42 | 765609.64 |
| 3 | 2025-05 | 18415.27 | 1180.31 | 17234.95 | 748374.69 |
| 4 | 2025-06 | 18415.27 | 1153.74 | 17261.52 | 731113.16 |
| 5 | 2025-07 | 18415.27 | 1127.13 | 17288.14 | 713825.03 |
| 6 | 2025-08 | 18415.27 | 1100.48 | 17314.79 | 696510.24 |
| 7 | 2025-09 | 18415.27 | 1073.79 | 17341.48 | 679168.76 |
| 8 | 2025-10 | 18415.27 | 1047.05 | 17368.22 | 661800.54 |
| 9 | 2025-11 | 18415.27 | 1020.28 | 17394.99 | 644405.55 |
| 10 | 2025-12 | 18415.27 | 993.46 | 17421.81 | 626983.74 |
| 11 | 2026-01 | 18415.27 | 966.60 | 17448.67 | 609535.07 |
| 12 | 2026-02 | 18415.27 | 939.70 | 17475.57 | 592059.50 |
| 13 | 2026-03 | 18415.27 | 912.76 | 17502.51 | 574556.99 |
| 14 | 2026-04 | 18415.27 | 885.78 | 17529.49 | 557027.49 |
| 15 | 2026-05 | 18415.27 | 858.75 | 17556.52 | 539470.98 |
| 16 | 2026-06 | 18415.27 | 831.68 | 17583.58 | 521887.39 |
| 17 | 2026-07 | 18415.27 | 804.58 | 17610.69 | 504276.70 |
| 18 | 2026-08 | 18415.27 | 777.43 | 17637.84 | 486638.86 |
| 19 | 2026-09 | 18415.27 | 750.23 | 17665.03 | 468973.82 |
| 20 | 2026-10 | 18415.27 | 723.00 | 17692.27 | 451281.56 |
| 21 | 2026-11 | 18415.27 | 695.73 | 17719.54 | 433562.01 |
| 22 | 2026-12 | 18415.27 | 668.41 | 17746.86 | 415815.15 |
| 23 | 2027-01 | 18415.27 | 641.05 | 17774.22 | 398040.93 |
| 24 | 2027-02 | 18415.27 | 613.65 | 17801.62 | 380239.31 |
| 25 | 2027-03 | 18415.27 | 586.20 | 17829.07 | 362410.24 |
| 26 | 2027-04 | 18415.27 | 558.72 | 17856.55 | 344553.69 |
| 27 | 2027-05 | 18415.27 | 531.19 | 17884.08 | 326669.61 |
| 28 | 2027-06 | 18415.27 | 503.62 | 17911.65 | 308757.95 |
| 29 | 2027-07 | 18415.27 | 476.00 | 17939.27 | 290818.69 |
| 30 | 2027-08 | 18415.27 | 448.35 | 17966.92 | 272851.76 |
| 31 | 2027-09 | 18415.27 | 420.65 | 17994.62 | 254857.14 |
| 32 | 2027-10 | 18415.27 | 392.90 | 18022.36 | 236834.78 |
| 33 | 2027-11 | 18415.27 | 365.12 | 18050.15 | 218784.63 |
| 34 | 2027-12 | 18415.27 | 337.29 | 18077.98 | 200706.65 |
| 35 | 2028-01 | 18415.27 | 309.42 | 18105.85 | 182600.81 |
| 36 | 2028-02 | 18415.27 | 281.51 | 18133.76 | 164467.05 |
| 37 | 2028-03 | 18415.27 | 253.55 | 18161.72 | 146305.33 |
| 38 | 2028-04 | 18415.27 | 225.55 | 18189.71 | 128115.62 |
| 39 | 2028-05 | 18415.27 | 197.51 | 18217.76 | 109897.86 |
| 40 | 2028-06 | 18415.27 | 169.43 | 18245.84 | 91652.02 |
| 41 | 2028-07 | 18415.27 | 141.30 | 18273.97 | 73378.05 |
| 42 | 2028-08 | 18415.27 | 113.12 | 18302.14 | 55075.90 |
| 43 | 2028-09 | 18415.27 | 84.91 | 18330.36 | 36745.54 |
| 44 | 2028-10 | 18415.27 | 56.65 | 18358.62 | 18386.92 |
| 45 | 2028-11 | 18415.27 | 28.35 | 18386.92 | 0.00 |
等额本金还款方式：
贷款总额：80万
还款月数：3年9个月
首月还款：19011.11元
每月递减：27.41元
利息总额：2.84万
本息合计：82.84万
节省利息：320.43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 | 19011.11 | 1233.33 | 17777.78 | 782222.22 |
| 2 | 2025-04 | 18983.70 | 1205.93 | 17777.78 | 764444.44 |
| 3 | 2025-05 | 18956.30 | 1178.52 | 17777.78 | 746666.67 |
| 4 | 2025-06 | 18928.89 | 1151.11 | 17777.78 | 728888.89 |
| 5 | 2025-07 | 18901.48 | 1123.70 | 17777.78 | 711111.11 |
| 6 | 2025-08 | 18874.07 | 1096.30 | 17777.78 | 693333.33 |
| 7 | 2025-09 | 18846.67 | 1068.89 | 17777.78 | 675555.56 |
| 8 | 2025-10 | 18819.26 | 1041.48 | 17777.78 | 657777.78 |
| 9 | 2025-11 | 18791.85 | 1014.07 | 17777.78 | 640000.00 |
| 10 | 2025-12 | 18764.44 | 986.67 | 17777.78 | 622222.22 |
| 11 | 2026-01 | 18737.04 | 959.26 | 17777.78 | 604444.44 |
| 12 | 2026-02 | 18709.63 | 931.85 | 17777.78 | 586666.67 |
| 13 | 2026-03 | 18682.22 | 904.44 | 17777.78 | 568888.89 |
| 14 | 2026-04 | 18654.81 | 877.04 | 17777.78 | 551111.11 |
| 15 | 2026-05 | 18627.41 | 849.63 | 17777.78 | 533333.33 |
| 16 | 2026-06 | 18600.00 | 822.22 | 17777.78 | 515555.56 |
| 17 | 2026-07 | 18572.59 | 794.81 | 17777.78 | 497777.78 |
| 18 | 2026-08 | 18545.19 | 767.41 | 17777.78 | 480000.00 |
| 19 | 2026-09 | 18517.78 | 740.00 | 17777.78 | 462222.22 |
| 20 | 2026-10 | 18490.37 | 712.59 | 17777.78 | 444444.44 |
| 21 | 2026-11 | 18462.96 | 685.19 | 17777.78 | 426666.67 |
| 22 | 2026-12 | 18435.56 | 657.78 | 17777.78 | 408888.89 |
| 23 | 2027-01 | 18408.15 | 630.37 | 17777.78 | 391111.11 |
| 24 | 2027-02 | 18380.74 | 602.96 | 17777.78 | 373333.33 |
| 25 | 2027-03 | 18353.33 | 575.56 | 17777.78 | 355555.56 |
| 26 | 2027-04 | 18325.93 | 548.15 | 17777.78 | 337777.78 |
| 27 | 2027-05 | 18298.52 | 520.74 | 17777.78 | 320000.00 |
| 28 | 2027-06 | 18271.11 | 493.33 | 17777.78 | 302222.22 |
| 29 | 2027-07 | 18243.70 | 465.93 | 17777.78 | 284444.44 |
| 30 | 2027-08 | 18216.30 | 438.52 | 17777.78 | 266666.67 |
| 31 | 2027-09 | 18188.89 | 411.11 | 17777.78 | 248888.89 |
| 32 | 2027-10 | 18161.48 | 383.70 | 17777.78 | 231111.11 |
| 33 | 2027-11 | 18134.07 | 356.30 | 17777.78 | 213333.33 |
| 34 | 2027-12 | 18106.67 | 328.89 | 17777.78 | 195555.56 |
| 35 | 2028-01 | 18079.26 | 301.48 | 17777.78 | 177777.78 |
| 36 | 2028-02 | 18051.85 | 274.07 | 17777.78 | 160000.00 |
| 37 | 2028-03 | 18024.44 | 246.67 | 17777.78 | 142222.22 |
| 38 | 2028-04 | 17997.04 | 219.26 | 17777.78 | 124444.44 |
| 39 | 2028-05 | 17969.63 | 191.85 | 17777.78 | 106666.67 |
| 40 | 2028-06 | 17942.22 | 164.44 | 17777.78 | 88888.89 |
| 41 | 2028-07 | 17914.81 | 137.04 | 17777.78 | 71111.11 |
| 42 | 2028-08 | 17887.41 | 109.63 | 17777.78 | 53333.33 |
| 43 | 2028-09 | 17860.00 | 82.22 | 17777.78 | 35555.56 |
| 44 | 2028-10 | 17832.59 | 54.81 | 17777.78 | 17777.78 |
| 45 | 2028-11 | 17805.19 | 27.41 | 17777.78 | 0.00 |