贷款16万（公积金贷款）房贷，还款3年6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：16万
还款月数：3年6个月
每月还款：3954.57元
利息总额：6091.92元
本息合计：16.61万
| 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 | 3954.57 | 280.00 | 3674.57 | 156325.43 |
| 2 | 2025-06 | 3954.57 | 273.57 | 3681.00 | 152644.43 |
| 3 | 2025-07 | 3954.57 | 267.13 | 3687.44 | 148956.99 |
| 4 | 2025-08 | 3954.57 | 260.67 | 3693.89 | 145263.09 |
| 5 | 2025-09 | 3954.57 | 254.21 | 3700.36 | 141562.73 |
| 6 | 2025-10 | 3954.57 | 247.73 | 3706.83 | 137855.90 |
| 7 | 2025-11 | 3954.57 | 241.25 | 3713.32 | 134142.58 |
| 8 | 2025-12 | 3954.57 | 234.75 | 3719.82 | 130422.76 |
| 9 | 2026-01 | 3954.57 | 228.24 | 3726.33 | 126696.43 |
| 10 | 2026-02 | 3954.57 | 221.72 | 3732.85 | 122963.58 |
| 11 | 2026-03 | 3954.57 | 215.19 | 3739.38 | 119224.19 |
| 12 | 2026-04 | 3954.57 | 208.64 | 3745.93 | 115478.27 |
| 13 | 2026-05 | 3954.57 | 202.09 | 3752.48 | 111725.78 |
| 14 | 2026-06 | 3954.57 | 195.52 | 3759.05 | 107966.74 |
| 15 | 2026-07 | 3954.57 | 188.94 | 3765.63 | 104201.11 |
| 16 | 2026-08 | 3954.57 | 182.35 | 3772.22 | 100428.89 |
| 17 | 2026-09 | 3954.57 | 175.75 | 3778.82 | 96650.07 |
| 18 | 2026-10 | 3954.57 | 169.14 | 3785.43 | 92864.64 |
| 19 | 2026-11 | 3954.57 | 162.51 | 3792.06 | 89072.58 |
| 20 | 2026-12 | 3954.57 | 155.88 | 3798.69 | 85273.89 |
| 21 | 2027-01 | 3954.57 | 149.23 | 3805.34 | 81468.55 |
| 22 | 2027-02 | 3954.57 | 142.57 | 3812.00 | 77656.55 |
| 23 | 2027-03 | 3954.57 | 135.90 | 3818.67 | 73837.88 |
| 24 | 2027-04 | 3954.57 | 129.22 | 3825.35 | 70012.53 |
| 25 | 2027-05 | 3954.57 | 122.52 | 3832.05 | 66180.48 |
| 26 | 2027-06 | 3954.57 | 115.82 | 3838.75 | 62341.73 |
| 27 | 2027-07 | 3954.57 | 109.10 | 3845.47 | 58496.25 |
| 28 | 2027-08 | 3954.57 | 102.37 | 3852.20 | 54644.05 |
| 29 | 2027-09 | 3954.57 | 95.63 | 3858.94 | 50785.11 |
| 30 | 2027-10 | 3954.57 | 88.87 | 3865.70 | 46919.42 |
| 31 | 2027-11 | 3954.57 | 82.11 | 3872.46 | 43046.95 |
| 32 | 2027-12 | 3954.57 | 75.33 | 3879.24 | 39167.72 |
| 33 | 2028-01 | 3954.57 | 68.54 | 3886.03 | 35281.69 |
| 34 | 2028-02 | 3954.57 | 61.74 | 3892.83 | 31388.86 |
| 35 | 2028-03 | 3954.57 | 54.93 | 3899.64 | 27489.23 |
| 36 | 2028-04 | 3954.57 | 48.11 | 3906.46 | 23582.76 |
| 37 | 2028-05 | 3954.57 | 41.27 | 3913.30 | 19669.46 |
| 38 | 2028-06 | 3954.57 | 34.42 | 3920.15 | 15749.31 |
| 39 | 2028-07 | 3954.57 | 27.56 | 3927.01 | 11822.31 |
| 40 | 2028-08 | 3954.57 | 20.69 | 3933.88 | 7888.43 |
| 41 | 2028-09 | 3954.57 | 13.80 | 3940.76 | 3947.66 |
| 42 | 2028-10 | 3954.57 | 6.91 | 3947.66 | 0.00 |
等额本金还款方式：
贷款总额：16万
还款月数：3年6个月
首月还款：4089.52元
每月递减：6.67元
利息总额：6020元
本息合计：16.6万
节省利息：71.92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 | 4089.52 | 280.00 | 3809.52 | 156190.48 |
| 2 | 2025-06 | 4082.86 | 273.33 | 3809.52 | 152380.95 |
| 3 | 2025-07 | 4076.19 | 266.67 | 3809.52 | 148571.43 |
| 4 | 2025-08 | 4069.52 | 260.00 | 3809.52 | 144761.90 |
| 5 | 2025-09 | 4062.86 | 253.33 | 3809.52 | 140952.38 |
| 6 | 2025-10 | 4056.19 | 246.67 | 3809.52 | 137142.86 |
| 7 | 2025-11 | 4049.52 | 240.00 | 3809.52 | 133333.33 |
| 8 | 2025-12 | 4042.86 | 233.33 | 3809.52 | 129523.81 |
| 9 | 2026-01 | 4036.19 | 226.67 | 3809.52 | 125714.29 |
| 10 | 2026-02 | 4029.52 | 220.00 | 3809.52 | 121904.76 |
| 11 | 2026-03 | 4022.86 | 213.33 | 3809.52 | 118095.24 |
| 12 | 2026-04 | 4016.19 | 206.67 | 3809.52 | 114285.71 |
| 13 | 2026-05 | 4009.52 | 200.00 | 3809.52 | 110476.19 |
| 14 | 2026-06 | 4002.86 | 193.33 | 3809.52 | 106666.67 |
| 15 | 2026-07 | 3996.19 | 186.67 | 3809.52 | 102857.14 |
| 16 | 2026-08 | 3989.52 | 180.00 | 3809.52 | 99047.62 |
| 17 | 2026-09 | 3982.86 | 173.33 | 3809.52 | 95238.10 |
| 18 | 2026-10 | 3976.19 | 166.67 | 3809.52 | 91428.57 |
| 19 | 2026-11 | 3969.52 | 160.00 | 3809.52 | 87619.05 |
| 20 | 2026-12 | 3962.86 | 153.33 | 3809.52 | 83809.52 |
| 21 | 2027-01 | 3956.19 | 146.67 | 3809.52 | 80000.00 |
| 22 | 2027-02 | 3949.52 | 140.00 | 3809.52 | 76190.48 |
| 23 | 2027-03 | 3942.86 | 133.33 | 3809.52 | 72380.95 |
| 24 | 2027-04 | 3936.19 | 126.67 | 3809.52 | 68571.43 |
| 25 | 2027-05 | 3929.52 | 120.00 | 3809.52 | 64761.90 |
| 26 | 2027-06 | 3922.86 | 113.33 | 3809.52 | 60952.38 |
| 27 | 2027-07 | 3916.19 | 106.67 | 3809.52 | 57142.86 |
| 28 | 2027-08 | 3909.52 | 100.00 | 3809.52 | 53333.33 |
| 29 | 2027-09 | 3902.86 | 93.33 | 3809.52 | 49523.81 |
| 30 | 2027-10 | 3896.19 | 86.67 | 3809.52 | 45714.29 |
| 31 | 2027-11 | 3889.52 | 80.00 | 3809.52 | 41904.76 |
| 32 | 2027-12 | 3882.86 | 73.33 | 3809.52 | 38095.24 |
| 33 | 2028-01 | 3876.19 | 66.67 | 3809.52 | 34285.71 |
| 34 | 2028-02 | 3869.52 | 60.00 | 3809.52 | 30476.19 |
| 35 | 2028-03 | 3862.86 | 53.33 | 3809.52 | 26666.67 |
| 36 | 2028-04 | 3856.19 | 46.67 | 3809.52 | 22857.14 |
| 37 | 2028-05 | 3849.52 | 40.00 | 3809.52 | 19047.62 |
| 38 | 2028-06 | 3842.86 | 33.33 | 3809.52 | 15238.10 |
| 39 | 2028-07 | 3836.19 | 26.67 | 3809.52 | 11428.57 |
| 40 | 2028-08 | 3829.52 | 20.00 | 3809.52 | 7619.05 |
| 41 | 2028-09 | 3822.86 | 13.33 | 3809.52 | 3809.52 |
| 42 | 2028-10 | 3816.19 | 6.67 | 3809.52 | 0.00 |