贷款15万（公积金贷款）房贷，还款3年4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：15万
还款月数：3年4个月
每月还款：3918.91元
利息总额：6756.22元
本息合计：15.68万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 3918.91 | 325.00 | 3593.91 | 146406.09 |
| 2 | 2025-06 | 3918.91 | 317.21 | 3601.69 | 142804.40 |
| 3 | 2025-07 | 3918.91 | 309.41 | 3609.50 | 139194.91 |
| 4 | 2025-08 | 3918.91 | 301.59 | 3617.32 | 135577.59 |
| 5 | 2025-09 | 3918.91 | 293.75 | 3625.15 | 131952.44 |
| 6 | 2025-10 | 3918.91 | 285.90 | 3633.01 | 128319.43 |
| 7 | 2025-11 | 3918.91 | 278.03 | 3640.88 | 124678.55 |
| 8 | 2025-12 | 3918.91 | 270.14 | 3648.77 | 121029.78 |
| 9 | 2026-01 | 3918.91 | 262.23 | 3656.67 | 117373.10 |
| 10 | 2026-02 | 3918.91 | 254.31 | 3664.60 | 113708.51 |
| 11 | 2026-03 | 3918.91 | 246.37 | 3672.54 | 110035.97 |
| 12 | 2026-04 | 3918.91 | 238.41 | 3680.49 | 106355.48 |
| 13 | 2026-05 | 3918.91 | 230.44 | 3688.47 | 102667.01 |
| 14 | 2026-06 | 3918.91 | 222.45 | 3696.46 | 98970.55 |
| 15 | 2026-07 | 3918.91 | 214.44 | 3704.47 | 95266.08 |
| 16 | 2026-08 | 3918.91 | 206.41 | 3712.50 | 91553.58 |
| 17 | 2026-09 | 3918.91 | 198.37 | 3720.54 | 87833.04 |
| 18 | 2026-10 | 3918.91 | 190.30 | 3728.60 | 84104.44 |
| 19 | 2026-11 | 3918.91 | 182.23 | 3736.68 | 80367.76 |
| 20 | 2026-12 | 3918.91 | 174.13 | 3744.78 | 76622.99 |
| 21 | 2027-01 | 3918.91 | 166.02 | 3752.89 | 72870.10 |
| 22 | 2027-02 | 3918.91 | 157.89 | 3761.02 | 69109.08 |
| 23 | 2027-03 | 3918.91 | 149.74 | 3769.17 | 65339.91 |
| 24 | 2027-04 | 3918.91 | 141.57 | 3777.34 | 61562.57 |
| 25 | 2027-05 | 3918.91 | 133.39 | 3785.52 | 57777.06 |
| 26 | 2027-06 | 3918.91 | 125.18 | 3793.72 | 53983.33 |
| 27 | 2027-07 | 3918.91 | 116.96 | 3801.94 | 50181.39 |
| 28 | 2027-08 | 3918.91 | 108.73 | 3810.18 | 46371.21 |
| 29 | 2027-09 | 3918.91 | 100.47 | 3818.43 | 42552.78 |
| 30 | 2027-10 | 3918.91 | 92.20 | 3826.71 | 38726.07 |
| 31 | 2027-11 | 3918.91 | 83.91 | 3835.00 | 34891.07 |
| 32 | 2027-12 | 3918.91 | 75.60 | 3843.31 | 31047.76 |
| 33 | 2028-01 | 3918.91 | 67.27 | 3851.64 | 27196.13 |
| 34 | 2028-02 | 3918.91 | 58.92 | 3859.98 | 23336.15 |
| 35 | 2028-03 | 3918.91 | 50.56 | 3868.34 | 19467.80 |
| 36 | 2028-04 | 3918.91 | 42.18 | 3876.73 | 15591.08 |
| 37 | 2028-05 | 3918.91 | 33.78 | 3885.12 | 11705.95 |
| 38 | 2028-06 | 3918.91 | 25.36 | 3893.54 | 7812.41 |
| 39 | 2028-07 | 3918.91 | 16.93 | 3901.98 | 3910.43 |
| 40 | 2028-08 | 3918.91 | 8.47 | 3910.43 | 0.00 |
等额本金还款方式：
贷款总额：15万
还款月数：3年4个月
首月还款：4075元
每月递减：8.13元
利息总额：6662.5元
本息合计：15.67万
节省利息：93.72元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 4075.00 | 325.00 | 3750.00 | 146250.00 |
| 2 | 2025-06 | 4066.88 | 316.88 | 3750.00 | 142500.00 |
| 3 | 2025-07 | 4058.75 | 308.75 | 3750.00 | 138750.00 |
| 4 | 2025-08 | 4050.63 | 300.63 | 3750.00 | 135000.00 |
| 5 | 2025-09 | 4042.50 | 292.50 | 3750.00 | 131250.00 |
| 6 | 2025-10 | 4034.38 | 284.38 | 3750.00 | 127500.00 |
| 7 | 2025-11 | 4026.25 | 276.25 | 3750.00 | 123750.00 |
| 8 | 2025-12 | 4018.13 | 268.13 | 3750.00 | 120000.00 |
| 9 | 2026-01 | 4010.00 | 260.00 | 3750.00 | 116250.00 |
| 10 | 2026-02 | 4001.88 | 251.88 | 3750.00 | 112500.00 |
| 11 | 2026-03 | 3993.75 | 243.75 | 3750.00 | 108750.00 |
| 12 | 2026-04 | 3985.63 | 235.63 | 3750.00 | 105000.00 |
| 13 | 2026-05 | 3977.50 | 227.50 | 3750.00 | 101250.00 |
| 14 | 2026-06 | 3969.38 | 219.38 | 3750.00 | 97500.00 |
| 15 | 2026-07 | 3961.25 | 211.25 | 3750.00 | 93750.00 |
| 16 | 2026-08 | 3953.13 | 203.13 | 3750.00 | 90000.00 |
| 17 | 2026-09 | 3945.00 | 195.00 | 3750.00 | 86250.00 |
| 18 | 2026-10 | 3936.88 | 186.88 | 3750.00 | 82500.00 |
| 19 | 2026-11 | 3928.75 | 178.75 | 3750.00 | 78750.00 |
| 20 | 2026-12 | 3920.63 | 170.63 | 3750.00 | 75000.00 |
| 21 | 2027-01 | 3912.50 | 162.50 | 3750.00 | 71250.00 |
| 22 | 2027-02 | 3904.38 | 154.38 | 3750.00 | 67500.00 |
| 23 | 2027-03 | 3896.25 | 146.25 | 3750.00 | 63750.00 |
| 24 | 2027-04 | 3888.13 | 138.13 | 3750.00 | 60000.00 |
| 25 | 2027-05 | 3880.00 | 130.00 | 3750.00 | 56250.00 |
| 26 | 2027-06 | 3871.88 | 121.88 | 3750.00 | 52500.00 |
| 27 | 2027-07 | 3863.75 | 113.75 | 3750.00 | 48750.00 |
| 28 | 2027-08 | 3855.63 | 105.63 | 3750.00 | 45000.00 |
| 29 | 2027-09 | 3847.50 | 97.50 | 3750.00 | 41250.00 |
| 30 | 2027-10 | 3839.38 | 89.38 | 3750.00 | 37500.00 |
| 31 | 2027-11 | 3831.25 | 81.25 | 3750.00 | 33750.00 |
| 32 | 2027-12 | 3823.13 | 73.13 | 3750.00 | 30000.00 |
| 33 | 2028-01 | 3815.00 | 65.00 | 3750.00 | 26250.00 |
| 34 | 2028-02 | 3806.88 | 56.88 | 3750.00 | 22500.00 |
| 35 | 2028-03 | 3798.75 | 48.75 | 3750.00 | 18750.00 |
| 36 | 2028-04 | 3790.63 | 40.63 | 3750.00 | 15000.00 |
| 37 | 2028-05 | 3782.50 | 32.50 | 3750.00 | 11250.00 |
| 38 | 2028-06 | 3774.38 | 24.38 | 3750.00 | 7500.00 |
| 39 | 2028-07 | 3766.25 | 16.25 | 3750.00 | 3750.00 |
| 40 | 2028-08 | 3758.13 | 8.13 | 3750.00 | 0.00 |