贷款15万（公积金贷款）房贷，还款3年3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3个月
每月还款：4015.1元
利息总额：6589.09元
本息合计：15.66万
| 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 | 4015.10 | 325.00 | 3690.10 | 146309.90 |
| 2 | 2025-06 | 4015.10 | 317.00 | 3698.10 | 142611.80 |
| 3 | 2025-07 | 4015.10 | 308.99 | 3706.11 | 138905.68 |
| 4 | 2025-08 | 4015.10 | 300.96 | 3714.14 | 135191.54 |
| 5 | 2025-09 | 4015.10 | 292.92 | 3722.19 | 131469.35 |
| 6 | 2025-10 | 4015.10 | 284.85 | 3730.25 | 127739.10 |
| 7 | 2025-11 | 4015.10 | 276.77 | 3738.34 | 124000.76 |
| 8 | 2025-12 | 4015.10 | 268.67 | 3746.44 | 120254.32 |
| 9 | 2026-01 | 4015.10 | 260.55 | 3754.55 | 116499.77 |
| 10 | 2026-02 | 4015.10 | 252.42 | 3762.69 | 112737.08 |
| 11 | 2026-03 | 4015.10 | 244.26 | 3770.84 | 108966.24 |
| 12 | 2026-04 | 4015.10 | 236.09 | 3779.01 | 105187.23 |
| 13 | 2026-05 | 4015.10 | 227.91 | 3787.20 | 101400.03 |
| 14 | 2026-06 | 4015.10 | 219.70 | 3795.40 | 97604.62 |
| 15 | 2026-07 | 4015.10 | 211.48 | 3803.63 | 93801.00 |
| 16 | 2026-08 | 4015.10 | 203.24 | 3811.87 | 89989.13 |
| 17 | 2026-09 | 4015.10 | 194.98 | 3820.13 | 86169.00 |
| 18 | 2026-10 | 4015.10 | 186.70 | 3828.41 | 82340.59 |
| 19 | 2026-11 | 4015.10 | 178.40 | 3836.70 | 78503.89 |
| 20 | 2026-12 | 4015.10 | 170.09 | 3845.01 | 74658.88 |
| 21 | 2027-01 | 4015.10 | 161.76 | 3853.34 | 70805.54 |
| 22 | 2027-02 | 4015.10 | 153.41 | 3861.69 | 66943.84 |
| 23 | 2027-03 | 4015.10 | 145.04 | 3870.06 | 63073.78 |
| 24 | 2027-04 | 4015.10 | 136.66 | 3878.44 | 59195.34 |
| 25 | 2027-05 | 4015.10 | 128.26 | 3886.85 | 55308.49 |
| 26 | 2027-06 | 4015.10 | 119.84 | 3895.27 | 51413.22 |
| 27 | 2027-07 | 4015.10 | 111.40 | 3903.71 | 47509.51 |
| 28 | 2027-08 | 4015.10 | 102.94 | 3912.17 | 43597.34 |
| 29 | 2027-09 | 4015.10 | 94.46 | 3920.64 | 39676.70 |
| 30 | 2027-10 | 4015.10 | 85.97 | 3929.14 | 35747.56 |
| 31 | 2027-11 | 4015.10 | 77.45 | 3937.65 | 31809.91 |
| 32 | 2027-12 | 4015.10 | 68.92 | 3946.18 | 27863.73 |
| 33 | 2028-01 | 4015.10 | 60.37 | 3954.73 | 23908.99 |
| 34 | 2028-02 | 4015.10 | 51.80 | 3963.30 | 19945.69 |
| 35 | 2028-03 | 4015.10 | 43.22 | 3971.89 | 15973.80 |
| 36 | 2028-04 | 4015.10 | 34.61 | 3980.49 | 11993.31 |
| 37 | 2028-05 | 4015.10 | 25.99 | 3989.12 | 8004.19 |
| 38 | 2028-06 | 4015.10 | 17.34 | 3997.76 | 4006.42 |
| 39 | 2028-07 | 4015.10 | 8.68 | 4006.42 | 0.00 |
等额本金还款方式：
贷款总额：15万
还款月数：3年3个月
首月还款：4171.15元
每月递减：8.33元
利息总额：6500元
本息合计：15.65万
节省利息：89.09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 | 4171.15 | 325.00 | 3846.15 | 146153.85 |
| 2 | 2025-06 | 4162.82 | 316.67 | 3846.15 | 142307.69 |
| 3 | 2025-07 | 4154.49 | 308.33 | 3846.15 | 138461.54 |
| 4 | 2025-08 | 4146.15 | 300.00 | 3846.15 | 134615.38 |
| 5 | 2025-09 | 4137.82 | 291.67 | 3846.15 | 130769.23 |
| 6 | 2025-10 | 4129.49 | 283.33 | 3846.15 | 126923.08 |
| 7 | 2025-11 | 4121.15 | 275.00 | 3846.15 | 123076.92 |
| 8 | 2025-12 | 4112.82 | 266.67 | 3846.15 | 119230.77 |
| 9 | 2026-01 | 4104.49 | 258.33 | 3846.15 | 115384.62 |
| 10 | 2026-02 | 4096.15 | 250.00 | 3846.15 | 111538.46 |
| 11 | 2026-03 | 4087.82 | 241.67 | 3846.15 | 107692.31 |
| 12 | 2026-04 | 4079.49 | 233.33 | 3846.15 | 103846.15 |
| 13 | 2026-05 | 4071.15 | 225.00 | 3846.15 | 100000.00 |
| 14 | 2026-06 | 4062.82 | 216.67 | 3846.15 | 96153.85 |
| 15 | 2026-07 | 4054.49 | 208.33 | 3846.15 | 92307.69 |
| 16 | 2026-08 | 4046.15 | 200.00 | 3846.15 | 88461.54 |
| 17 | 2026-09 | 4037.82 | 191.67 | 3846.15 | 84615.38 |
| 18 | 2026-10 | 4029.49 | 183.33 | 3846.15 | 80769.23 |
| 19 | 2026-11 | 4021.15 | 175.00 | 3846.15 | 76923.08 |
| 20 | 2026-12 | 4012.82 | 166.67 | 3846.15 | 73076.92 |
| 21 | 2027-01 | 4004.49 | 158.33 | 3846.15 | 69230.77 |
| 22 | 2027-02 | 3996.15 | 150.00 | 3846.15 | 65384.62 |
| 23 | 2027-03 | 3987.82 | 141.67 | 3846.15 | 61538.46 |
| 24 | 2027-04 | 3979.49 | 133.33 | 3846.15 | 57692.31 |
| 25 | 2027-05 | 3971.15 | 125.00 | 3846.15 | 53846.15 |
| 26 | 2027-06 | 3962.82 | 116.67 | 3846.15 | 50000.00 |
| 27 | 2027-07 | 3954.49 | 108.33 | 3846.15 | 46153.85 |
| 28 | 2027-08 | 3946.15 | 100.00 | 3846.15 | 42307.69 |
| 29 | 2027-09 | 3937.82 | 91.67 | 3846.15 | 38461.54 |
| 30 | 2027-10 | 3929.49 | 83.33 | 3846.15 | 34615.38 |
| 31 | 2027-11 | 3921.15 | 75.00 | 3846.15 | 30769.23 |
| 32 | 2027-12 | 3912.82 | 66.67 | 3846.15 | 26923.08 |
| 33 | 2028-01 | 3904.49 | 58.33 | 3846.15 | 23076.92 |
| 34 | 2028-02 | 3896.15 | 50.00 | 3846.15 | 19230.77 |
| 35 | 2028-03 | 3887.82 | 41.67 | 3846.15 | 15384.62 |
| 36 | 2028-04 | 3879.49 | 33.33 | 3846.15 | 11538.46 |
| 37 | 2028-05 | 3871.15 | 25.00 | 3846.15 | 7692.31 |
| 38 | 2028-06 | 3862.82 | 16.67 | 3846.15 | 3846.15 |
| 39 | 2028-07 | 3854.49 | 8.33 | 3846.15 | 0.00 |