贷款3万（公积金贷款）房贷，还款10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：3万
还款月数：10年
每月还款：293.16元
利息总额：5178.85元
本息合计：3.52万
| 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 | 293.16 | 81.25 | 211.91 | 29788.09 |
| 2 | 2025-04 | 293.16 | 80.68 | 212.48 | 29575.61 |
| 3 | 2025-05 | 293.16 | 80.10 | 213.06 | 29362.56 |
| 4 | 2025-06 | 293.16 | 79.52 | 213.63 | 29148.92 |
| 5 | 2025-07 | 293.16 | 78.94 | 214.21 | 28934.71 |
| 6 | 2025-08 | 293.16 | 78.36 | 214.79 | 28719.92 |
| 7 | 2025-09 | 293.16 | 77.78 | 215.37 | 28504.54 |
| 8 | 2025-10 | 293.16 | 77.20 | 215.96 | 28288.59 |
| 9 | 2025-11 | 293.16 | 76.61 | 216.54 | 28072.04 |
| 10 | 2025-12 | 293.16 | 76.03 | 217.13 | 27854.92 |
| 11 | 2026-01 | 293.16 | 75.44 | 217.72 | 27637.20 |
| 12 | 2026-02 | 293.16 | 74.85 | 218.31 | 27418.89 |
| 13 | 2026-03 | 293.16 | 74.26 | 218.90 | 27199.99 |
| 14 | 2026-04 | 293.16 | 73.67 | 219.49 | 26980.50 |
| 15 | 2026-05 | 293.16 | 73.07 | 220.08 | 26760.42 |
| 16 | 2026-06 | 293.16 | 72.48 | 220.68 | 26539.74 |
| 17 | 2026-07 | 293.16 | 71.88 | 221.28 | 26318.46 |
| 18 | 2026-08 | 293.16 | 71.28 | 221.88 | 26096.58 |
| 19 | 2026-09 | 293.16 | 70.68 | 222.48 | 25874.10 |
| 20 | 2026-10 | 293.16 | 70.08 | 223.08 | 25651.02 |
| 21 | 2026-11 | 293.16 | 69.47 | 223.69 | 25427.34 |
| 22 | 2026-12 | 293.16 | 68.87 | 224.29 | 25203.04 |
| 23 | 2027-01 | 293.16 | 68.26 | 224.90 | 24978.15 |
| 24 | 2027-02 | 293.16 | 67.65 | 225.51 | 24752.64 |
| 25 | 2027-03 | 293.16 | 67.04 | 226.12 | 24526.52 |
| 26 | 2027-04 | 293.16 | 66.43 | 226.73 | 24299.79 |
| 27 | 2027-05 | 293.16 | 65.81 | 227.35 | 24072.44 |
| 28 | 2027-06 | 293.16 | 65.20 | 227.96 | 23844.48 |
| 29 | 2027-07 | 293.16 | 64.58 | 228.58 | 23615.90 |
| 30 | 2027-08 | 293.16 | 63.96 | 229.20 | 23386.71 |
| 31 | 2027-09 | 293.16 | 63.34 | 229.82 | 23156.89 |
| 32 | 2027-10 | 293.16 | 62.72 | 230.44 | 22926.45 |
| 33 | 2027-11 | 293.16 | 62.09 | 231.06 | 22695.38 |
| 34 | 2027-12 | 293.16 | 61.47 | 231.69 | 22463.69 |
| 35 | 2028-01 | 293.16 | 60.84 | 232.32 | 22231.38 |
| 36 | 2028-02 | 293.16 | 60.21 | 232.95 | 21998.43 |
| 37 | 2028-03 | 293.16 | 59.58 | 233.58 | 21764.85 |
| 38 | 2028-04 | 293.16 | 58.95 | 234.21 | 21530.64 |
| 39 | 2028-05 | 293.16 | 58.31 | 234.84 | 21295.79 |
| 40 | 2028-06 | 293.16 | 57.68 | 235.48 | 21060.31 |
| 41 | 2028-07 | 293.16 | 57.04 | 236.12 | 20824.19 |
| 42 | 2028-08 | 293.16 | 56.40 | 236.76 | 20587.44 |
| 43 | 2028-09 | 293.16 | 55.76 | 237.40 | 20350.04 |
| 44 | 2028-10 | 293.16 | 55.11 | 238.04 | 20111.99 |
| 45 | 2028-11 | 293.16 | 54.47 | 238.69 | 19873.31 |
| 46 | 2028-12 | 293.16 | 53.82 | 239.33 | 19633.97 |
| 47 | 2029-01 | 293.16 | 53.18 | 239.98 | 19393.99 |
| 48 | 2029-02 | 293.16 | 52.53 | 240.63 | 19153.36 |
| 49 | 2029-03 | 293.16 | 51.87 | 241.28 | 18912.08 |
| 50 | 2029-04 | 293.16 | 51.22 | 241.94 | 18670.14 |
| 51 | 2029-05 | 293.16 | 50.56 | 242.59 | 18427.55 |
| 52 | 2029-06 | 293.16 | 49.91 | 243.25 | 18184.30 |
| 53 | 2029-07 | 293.16 | 49.25 | 243.91 | 17940.39 |
| 54 | 2029-08 | 293.16 | 48.59 | 244.57 | 17695.82 |
| 55 | 2029-09 | 293.16 | 47.93 | 245.23 | 17450.59 |
| 56 | 2029-10 | 293.16 | 47.26 | 245.90 | 17204.70 |
| 57 | 2029-11 | 293.16 | 46.60 | 246.56 | 16958.14 |
| 58 | 2029-12 | 293.16 | 45.93 | 247.23 | 16710.91 |
| 59 | 2030-01 | 293.16 | 45.26 | 247.90 | 16463.01 |
| 60 | 2030-02 | 293.16 | 44.59 | 248.57 | 16214.44 |
| 61 | 2030-03 | 293.16 | 43.91 | 249.24 | 15965.20 |
| 62 | 2030-04 | 293.16 | 43.24 | 249.92 | 15715.28 |
| 63 | 2030-05 | 293.16 | 42.56 | 250.59 | 15464.68 |
| 64 | 2030-06 | 293.16 | 41.88 | 251.27 | 15213.41 |
| 65 | 2030-07 | 293.16 | 41.20 | 251.95 | 14961.46 |
| 66 | 2030-08 | 293.16 | 40.52 | 252.64 | 14708.82 |
| 67 | 2030-09 | 293.16 | 39.84 | 253.32 | 14455.50 |
| 68 | 2030-10 | 293.16 | 39.15 | 254.01 | 14201.49 |
| 69 | 2030-11 | 293.16 | 38.46 | 254.69 | 13946.80 |
| 70 | 2030-12 | 293.16 | 37.77 | 255.38 | 13691.41 |
| 71 | 2031-01 | 293.16 | 37.08 | 256.08 | 13435.34 |
| 72 | 2031-02 | 293.16 | 36.39 | 256.77 | 13178.57 |
| 73 | 2031-03 | 293.16 | 35.69 | 257.47 | 12921.10 |
| 74 | 2031-04 | 293.16 | 34.99 | 258.16 | 12662.94 |
| 75 | 2031-05 | 293.16 | 34.30 | 258.86 | 12404.08 |
| 76 | 2031-06 | 293.16 | 33.59 | 259.56 | 12144.51 |
| 77 | 2031-07 | 293.16 | 32.89 | 260.27 | 11884.25 |
| 78 | 2031-08 | 293.16 | 32.19 | 260.97 | 11623.28 |
| 79 | 2031-09 | 293.16 | 31.48 | 261.68 | 11361.60 |
| 80 | 2031-10 | 293.16 | 30.77 | 262.39 | 11099.21 |
| 81 | 2031-11 | 293.16 | 30.06 | 263.10 | 10836.12 |
| 82 | 2031-12 | 293.16 | 29.35 | 263.81 | 10572.31 |
| 83 | 2032-01 | 293.16 | 28.63 | 264.52 | 10307.78 |
| 84 | 2032-02 | 293.16 | 27.92 | 265.24 | 10042.54 |
| 85 | 2032-03 | 293.16 | 27.20 | 265.96 | 9776.59 |
| 86 | 2032-04 | 293.16 | 26.48 | 266.68 | 9509.91 |
| 87 | 2032-05 | 293.16 | 25.76 | 267.40 | 9242.51 |
| 88 | 2032-06 | 293.16 | 25.03 | 268.13 | 8974.38 |
| 89 | 2032-07 | 293.16 | 24.31 | 268.85 | 8705.53 |
| 90 | 2032-08 | 293.16 | 23.58 | 269.58 | 8435.95 |
| 91 | 2032-09 | 293.16 | 22.85 | 270.31 | 8165.64 |
| 92 | 2032-10 | 293.16 | 22.12 | 271.04 | 7894.60 |
| 93 | 2032-11 | 293.16 | 21.38 | 271.78 | 7622.82 |
| 94 | 2032-12 | 293.16 | 20.65 | 272.51 | 7350.31 |
| 95 | 2033-01 | 293.16 | 19.91 | 273.25 | 7077.06 |
| 96 | 2033-02 | 293.16 | 19.17 | 273.99 | 6803.07 |
| 97 | 2033-03 | 293.16 | 18.42 | 274.73 | 6528.34 |
| 98 | 2033-04 | 293.16 | 17.68 | 275.48 | 6252.86 |
| 99 | 2033-05 | 293.16 | 16.93 | 276.22 | 5976.64 |
| 100 | 2033-06 | 293.16 | 16.19 | 276.97 | 5699.67 |
| 101 | 2033-07 | 293.16 | 15.44 | 277.72 | 5421.95 |
| 102 | 2033-08 | 293.16 | 14.68 | 278.47 | 5143.48 |
| 103 | 2033-09 | 293.16 | 13.93 | 279.23 | 4864.25 |
| 104 | 2033-10 | 293.16 | 13.17 | 279.98 | 4584.27 |
| 105 | 2033-11 | 293.16 | 12.42 | 280.74 | 4303.52 |
| 106 | 2033-12 | 293.16 | 11.66 | 281.50 | 4022.02 |
| 107 | 2034-01 | 293.16 | 10.89 | 282.26 | 3739.76 |
| 108 | 2034-02 | 293.16 | 10.13 | 283.03 | 3456.73 |
| 109 | 2034-03 | 293.16 | 9.36 | 283.80 | 3172.94 |
| 110 | 2034-04 | 293.16 | 8.59 | 284.56 | 2888.37 |
| 111 | 2034-05 | 293.16 | 7.82 | 285.33 | 2603.04 |
| 112 | 2034-06 | 293.16 | 7.05 | 286.11 | 2316.93 |
| 113 | 2034-07 | 293.16 | 6.28 | 286.88 | 2030.05 |
| 114 | 2034-08 | 293.16 | 5.50 | 287.66 | 1742.39 |
| 115 | 2034-09 | 293.16 | 4.72 | 288.44 | 1453.95 |
| 116 | 2034-10 | 293.16 | 3.94 | 289.22 | 1164.73 |
| 117 | 2034-11 | 293.16 | 3.15 | 290.00 | 874.73 |
| 118 | 2034-12 | 293.16 | 2.37 | 290.79 | 583.94 |
| 119 | 2035-01 | 293.16 | 1.58 | 291.58 | 292.37 |
| 120 | 2035-02 | 293.16 | 0.79 | 292.37 | 0.00 |
等额本金还款方式：
贷款总额：3万
还款月数：10年
首月还款：331.25元
每月递减：0.68元
利息总额：4915.63元
本息合计：3.49万
节省利息：263.23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 | 331.25 | 81.25 | 250.00 | 29750.00 |
| 2 | 2025-04 | 330.57 | 80.57 | 250.00 | 29500.00 |
| 3 | 2025-05 | 329.90 | 79.90 | 250.00 | 29250.00 |
| 4 | 2025-06 | 329.22 | 79.22 | 250.00 | 29000.00 |
| 5 | 2025-07 | 328.54 | 78.54 | 250.00 | 28750.00 |
| 6 | 2025-08 | 327.86 | 77.86 | 250.00 | 28500.00 |
| 7 | 2025-09 | 327.19 | 77.19 | 250.00 | 28250.00 |
| 8 | 2025-10 | 326.51 | 76.51 | 250.00 | 28000.00 |
| 9 | 2025-11 | 325.83 | 75.83 | 250.00 | 27750.00 |
| 10 | 2025-12 | 325.16 | 75.16 | 250.00 | 27500.00 |
| 11 | 2026-01 | 324.48 | 74.48 | 250.00 | 27250.00 |
| 12 | 2026-02 | 323.80 | 73.80 | 250.00 | 27000.00 |
| 13 | 2026-03 | 323.13 | 73.13 | 250.00 | 26750.00 |
| 14 | 2026-04 | 322.45 | 72.45 | 250.00 | 26500.00 |
| 15 | 2026-05 | 321.77 | 71.77 | 250.00 | 26250.00 |
| 16 | 2026-06 | 321.09 | 71.09 | 250.00 | 26000.00 |
| 17 | 2026-07 | 320.42 | 70.42 | 250.00 | 25750.00 |
| 18 | 2026-08 | 319.74 | 69.74 | 250.00 | 25500.00 |
| 19 | 2026-09 | 319.06 | 69.06 | 250.00 | 25250.00 |
| 20 | 2026-10 | 318.39 | 68.39 | 250.00 | 25000.00 |
| 21 | 2026-11 | 317.71 | 67.71 | 250.00 | 24750.00 |
| 22 | 2026-12 | 317.03 | 67.03 | 250.00 | 24500.00 |
| 23 | 2027-01 | 316.35 | 66.35 | 250.00 | 24250.00 |
| 24 | 2027-02 | 315.68 | 65.68 | 250.00 | 24000.00 |
| 25 | 2027-03 | 315.00 | 65.00 | 250.00 | 23750.00 |
| 26 | 2027-04 | 314.32 | 64.32 | 250.00 | 23500.00 |
| 27 | 2027-05 | 313.65 | 63.65 | 250.00 | 23250.00 |
| 28 | 2027-06 | 312.97 | 62.97 | 250.00 | 23000.00 |
| 29 | 2027-07 | 312.29 | 62.29 | 250.00 | 22750.00 |
| 30 | 2027-08 | 311.61 | 61.61 | 250.00 | 22500.00 |
| 31 | 2027-09 | 310.94 | 60.94 | 250.00 | 22250.00 |
| 32 | 2027-10 | 310.26 | 60.26 | 250.00 | 22000.00 |
| 33 | 2027-11 | 309.58 | 59.58 | 250.00 | 21750.00 |
| 34 | 2027-12 | 308.91 | 58.91 | 250.00 | 21500.00 |
| 35 | 2028-01 | 308.23 | 58.23 | 250.00 | 21250.00 |
| 36 | 2028-02 | 307.55 | 57.55 | 250.00 | 21000.00 |
| 37 | 2028-03 | 306.88 | 56.88 | 250.00 | 20750.00 |
| 38 | 2028-04 | 306.20 | 56.20 | 250.00 | 20500.00 |
| 39 | 2028-05 | 305.52 | 55.52 | 250.00 | 20250.00 |
| 40 | 2028-06 | 304.84 | 54.84 | 250.00 | 20000.00 |
| 41 | 2028-07 | 304.17 | 54.17 | 250.00 | 19750.00 |
| 42 | 2028-08 | 303.49 | 53.49 | 250.00 | 19500.00 |
| 43 | 2028-09 | 302.81 | 52.81 | 250.00 | 19250.00 |
| 44 | 2028-10 | 302.14 | 52.14 | 250.00 | 19000.00 |
| 45 | 2028-11 | 301.46 | 51.46 | 250.00 | 18750.00 |
| 46 | 2028-12 | 300.78 | 50.78 | 250.00 | 18500.00 |
| 47 | 2029-01 | 300.10 | 50.10 | 250.00 | 18250.00 |
| 48 | 2029-02 | 299.43 | 49.43 | 250.00 | 18000.00 |
| 49 | 2029-03 | 298.75 | 48.75 | 250.00 | 17750.00 |
| 50 | 2029-04 | 298.07 | 48.07 | 250.00 | 17500.00 |
| 51 | 2029-05 | 297.40 | 47.40 | 250.00 | 17250.00 |
| 52 | 2029-06 | 296.72 | 46.72 | 250.00 | 17000.00 |
| 53 | 2029-07 | 296.04 | 46.04 | 250.00 | 16750.00 |
| 54 | 2029-08 | 295.36 | 45.36 | 250.00 | 16500.00 |
| 55 | 2029-09 | 294.69 | 44.69 | 250.00 | 16250.00 |
| 56 | 2029-10 | 294.01 | 44.01 | 250.00 | 16000.00 |
| 57 | 2029-11 | 293.33 | 43.33 | 250.00 | 15750.00 |
| 58 | 2029-12 | 292.66 | 42.66 | 250.00 | 15500.00 |
| 59 | 2030-01 | 291.98 | 41.98 | 250.00 | 15250.00 |
| 60 | 2030-02 | 291.30 | 41.30 | 250.00 | 15000.00 |
| 61 | 2030-03 | 290.63 | 40.63 | 250.00 | 14750.00 |
| 62 | 2030-04 | 289.95 | 39.95 | 250.00 | 14500.00 |
| 63 | 2030-05 | 289.27 | 39.27 | 250.00 | 14250.00 |
| 64 | 2030-06 | 288.59 | 38.59 | 250.00 | 14000.00 |
| 65 | 2030-07 | 287.92 | 37.92 | 250.00 | 13750.00 |
| 66 | 2030-08 | 287.24 | 37.24 | 250.00 | 13500.00 |
| 67 | 2030-09 | 286.56 | 36.56 | 250.00 | 13250.00 |
| 68 | 2030-10 | 285.89 | 35.89 | 250.00 | 13000.00 |
| 69 | 2030-11 | 285.21 | 35.21 | 250.00 | 12750.00 |
| 70 | 2030-12 | 284.53 | 34.53 | 250.00 | 12500.00 |
| 71 | 2031-01 | 283.85 | 33.85 | 250.00 | 12250.00 |
| 72 | 2031-02 | 283.18 | 33.18 | 250.00 | 12000.00 |
| 73 | 2031-03 | 282.50 | 32.50 | 250.00 | 11750.00 |
| 74 | 2031-04 | 281.82 | 31.82 | 250.00 | 11500.00 |
| 75 | 2031-05 | 281.15 | 31.15 | 250.00 | 11250.00 |
| 76 | 2031-06 | 280.47 | 30.47 | 250.00 | 11000.00 |
| 77 | 2031-07 | 279.79 | 29.79 | 250.00 | 10750.00 |
| 78 | 2031-08 | 279.11 | 29.11 | 250.00 | 10500.00 |
| 79 | 2031-09 | 278.44 | 28.44 | 250.00 | 10250.00 |
| 80 | 2031-10 | 277.76 | 27.76 | 250.00 | 10000.00 |
| 81 | 2031-11 | 277.08 | 27.08 | 250.00 | 9750.00 |
| 82 | 2031-12 | 276.41 | 26.41 | 250.00 | 9500.00 |
| 83 | 2032-01 | 275.73 | 25.73 | 250.00 | 9250.00 |
| 84 | 2032-02 | 275.05 | 25.05 | 250.00 | 9000.00 |
| 85 | 2032-03 | 274.38 | 24.38 | 250.00 | 8750.00 |
| 86 | 2032-04 | 273.70 | 23.70 | 250.00 | 8500.00 |
| 87 | 2032-05 | 273.02 | 23.02 | 250.00 | 8250.00 |
| 88 | 2032-06 | 272.34 | 22.34 | 250.00 | 8000.00 |
| 89 | 2032-07 | 271.67 | 21.67 | 250.00 | 7750.00 |
| 90 | 2032-08 | 270.99 | 20.99 | 250.00 | 7500.00 |
| 91 | 2032-09 | 270.31 | 20.31 | 250.00 | 7250.00 |
| 92 | 2032-10 | 269.64 | 19.64 | 250.00 | 7000.00 |
| 93 | 2032-11 | 268.96 | 18.96 | 250.00 | 6750.00 |
| 94 | 2032-12 | 268.28 | 18.28 | 250.00 | 6500.00 |
| 95 | 2033-01 | 267.60 | 17.60 | 250.00 | 6250.00 |
| 96 | 2033-02 | 266.93 | 16.93 | 250.00 | 6000.00 |
| 97 | 2033-03 | 266.25 | 16.25 | 250.00 | 5750.00 |
| 98 | 2033-04 | 265.57 | 15.57 | 250.00 | 5500.00 |
| 99 | 2033-05 | 264.90 | 14.90 | 250.00 | 5250.00 |
| 100 | 2033-06 | 264.22 | 14.22 | 250.00 | 5000.00 |
| 101 | 2033-07 | 263.54 | 13.54 | 250.00 | 4750.00 |
| 102 | 2033-08 | 262.86 | 12.86 | 250.00 | 4500.00 |
| 103 | 2033-09 | 262.19 | 12.19 | 250.00 | 4250.00 |
| 104 | 2033-10 | 261.51 | 11.51 | 250.00 | 4000.00 |
| 105 | 2033-11 | 260.83 | 10.83 | 250.00 | 3750.00 |
| 106 | 2033-12 | 260.16 | 10.16 | 250.00 | 3500.00 |
| 107 | 2034-01 | 259.48 | 9.48 | 250.00 | 3250.00 |
| 108 | 2034-02 | 258.80 | 8.80 | 250.00 | 3000.00 |
| 109 | 2034-03 | 258.13 | 8.13 | 250.00 | 2750.00 |
| 110 | 2034-04 | 257.45 | 7.45 | 250.00 | 2500.00 |
| 111 | 2034-05 | 256.77 | 6.77 | 250.00 | 2250.00 |
| 112 | 2034-06 | 256.09 | 6.09 | 250.00 | 2000.00 |
| 113 | 2034-07 | 255.42 | 5.42 | 250.00 | 1750.00 |
| 114 | 2034-08 | 254.74 | 4.74 | 250.00 | 1500.00 |
| 115 | 2034-09 | 254.06 | 4.06 | 250.00 | 1250.00 |
| 116 | 2034-10 | 253.39 | 3.39 | 250.00 | 1000.00 |
| 117 | 2034-11 | 252.71 | 2.71 | 250.00 | 750.00 |
| 118 | 2034-12 | 252.03 | 2.03 | 250.00 | 500.00 |
| 119 | 2035-01 | 251.35 | 1.35 | 250.00 | 250.00 |
| 120 | 2035-02 | 250.68 | 0.68 | 250.00 | 0.00 |