贷款3000元（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：3000元
还款月数：3年6个月
每月还款：74.81元
利息总额：141.82元
本息合计：3141.82元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-04 | 74.81 | 6.50 | 68.31 | 2931.69 |
| 2 | 2026-05 | 74.81 | 6.35 | 68.45 | 2863.24 |
| 3 | 2026-06 | 74.81 | 6.20 | 68.60 | 2794.64 |
| 4 | 2026-07 | 74.81 | 6.06 | 68.75 | 2725.89 |
| 5 | 2026-08 | 74.81 | 5.91 | 68.90 | 2656.99 |
| 6 | 2026-09 | 74.81 | 5.76 | 69.05 | 2587.94 |
| 7 | 2026-10 | 74.81 | 5.61 | 69.20 | 2518.74 |
| 8 | 2026-11 | 74.81 | 5.46 | 69.35 | 2449.40 |
| 9 | 2026-12 | 74.81 | 5.31 | 69.50 | 2379.90 |
| 10 | 2027-01 | 74.81 | 5.16 | 69.65 | 2310.25 |
| 11 | 2027-02 | 74.81 | 5.01 | 69.80 | 2240.45 |
| 12 | 2027-03 | 74.81 | 4.85 | 69.95 | 2170.50 |
| 13 | 2027-04 | 74.81 | 4.70 | 70.10 | 2100.40 |
| 14 | 2027-05 | 74.81 | 4.55 | 70.25 | 2030.14 |
| 15 | 2027-06 | 74.81 | 4.40 | 70.41 | 1959.74 |
| 16 | 2027-07 | 74.81 | 4.25 | 70.56 | 1889.18 |
| 17 | 2027-08 | 74.81 | 4.09 | 70.71 | 1818.47 |
| 18 | 2027-09 | 74.81 | 3.94 | 70.87 | 1747.60 |
| 19 | 2027-10 | 74.81 | 3.79 | 71.02 | 1676.58 |
| 20 | 2027-11 | 74.81 | 3.63 | 71.17 | 1605.41 |
| 21 | 2027-12 | 74.81 | 3.48 | 71.33 | 1534.08 |
| 22 | 2028-01 | 74.81 | 3.32 | 71.48 | 1462.60 |
| 23 | 2028-02 | 74.81 | 3.17 | 71.64 | 1390.96 |
| 24 | 2028-03 | 74.81 | 3.01 | 71.79 | 1319.17 |
| 25 | 2028-04 | 74.81 | 2.86 | 71.95 | 1247.23 |
| 26 | 2028-05 | 74.81 | 2.70 | 72.10 | 1175.12 |
| 27 | 2028-06 | 74.81 | 2.55 | 72.26 | 1102.86 |
| 28 | 2028-07 | 74.81 | 2.39 | 72.42 | 1030.45 |
| 29 | 2028-08 | 74.81 | 2.23 | 72.57 | 957.88 |
| 30 | 2028-09 | 74.81 | 2.08 | 72.73 | 885.15 |
| 31 | 2028-10 | 74.81 | 1.92 | 72.89 | 812.26 |
| 32 | 2028-11 | 74.81 | 1.76 | 73.05 | 739.21 |
| 33 | 2028-12 | 74.81 | 1.60 | 73.20 | 666.01 |
| 34 | 2029-01 | 74.81 | 1.44 | 73.36 | 592.65 |
| 35 | 2029-02 | 74.81 | 1.28 | 73.52 | 519.13 |
| 36 | 2029-03 | 74.81 | 1.12 | 73.68 | 445.45 |
| 37 | 2029-04 | 74.81 | 0.97 | 73.84 | 371.61 |
| 38 | 2029-05 | 74.81 | 0.81 | 74.00 | 297.61 |
| 39 | 2029-06 | 74.81 | 0.64 | 74.16 | 223.45 |
| 40 | 2029-07 | 74.81 | 0.48 | 74.32 | 149.13 |
| 41 | 2029-08 | 74.81 | 0.32 | 74.48 | 74.64 |
| 42 | 2029-09 | 74.81 | 0.16 | 74.64 | 0.00 |
等额本金还款方式：
贷款总额：3000元
还款月数：3年6个月
首月还款：77.93元
每月递减：0.15元
利息总额：139.75元
本息合计：3139.75元
节省利息：2.07元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-04 | 77.93 | 6.50 | 71.43 | 2928.57 |
| 2 | 2026-05 | 77.77 | 6.35 | 71.43 | 2857.14 |
| 3 | 2026-06 | 77.62 | 6.19 | 71.43 | 2785.71 |
| 4 | 2026-07 | 77.46 | 6.04 | 71.43 | 2714.29 |
| 5 | 2026-08 | 77.31 | 5.88 | 71.43 | 2642.86 |
| 6 | 2026-09 | 77.15 | 5.73 | 71.43 | 2571.43 |
| 7 | 2026-10 | 77.00 | 5.57 | 71.43 | 2500.00 |
| 8 | 2026-11 | 76.85 | 5.42 | 71.43 | 2428.57 |
| 9 | 2026-12 | 76.69 | 5.26 | 71.43 | 2357.14 |
| 10 | 2027-01 | 76.54 | 5.11 | 71.43 | 2285.71 |
| 11 | 2027-02 | 76.38 | 4.95 | 71.43 | 2214.29 |
| 12 | 2027-03 | 76.23 | 4.80 | 71.43 | 2142.86 |
| 13 | 2027-04 | 76.07 | 4.64 | 71.43 | 2071.43 |
| 14 | 2027-05 | 75.92 | 4.49 | 71.43 | 2000.00 |
| 15 | 2027-06 | 75.76 | 4.33 | 71.43 | 1928.57 |
| 16 | 2027-07 | 75.61 | 4.18 | 71.43 | 1857.14 |
| 17 | 2027-08 | 75.45 | 4.02 | 71.43 | 1785.71 |
| 18 | 2027-09 | 75.30 | 3.87 | 71.43 | 1714.29 |
| 19 | 2027-10 | 75.14 | 3.71 | 71.43 | 1642.86 |
| 20 | 2027-11 | 74.99 | 3.56 | 71.43 | 1571.43 |
| 21 | 2027-12 | 74.83 | 3.40 | 71.43 | 1500.00 |
| 22 | 2028-01 | 74.68 | 3.25 | 71.43 | 1428.57 |
| 23 | 2028-02 | 74.52 | 3.10 | 71.43 | 1357.14 |
| 24 | 2028-03 | 74.37 | 2.94 | 71.43 | 1285.71 |
| 25 | 2028-04 | 74.21 | 2.79 | 71.43 | 1214.29 |
| 26 | 2028-05 | 74.06 | 2.63 | 71.43 | 1142.86 |
| 27 | 2028-06 | 73.90 | 2.48 | 71.43 | 1071.43 |
| 28 | 2028-07 | 73.75 | 2.32 | 71.43 | 1000.00 |
| 29 | 2028-08 | 73.60 | 2.17 | 71.43 | 928.57 |
| 30 | 2028-09 | 73.44 | 2.01 | 71.43 | 857.14 |
| 31 | 2028-10 | 73.29 | 1.86 | 71.43 | 785.71 |
| 32 | 2028-11 | 73.13 | 1.70 | 71.43 | 714.29 |
| 33 | 2028-12 | 72.98 | 1.55 | 71.43 | 642.86 |
| 34 | 2029-01 | 72.82 | 1.39 | 71.43 | 571.43 |
| 35 | 2029-02 | 72.67 | 1.24 | 71.43 | 500.00 |
| 36 | 2029-03 | 72.51 | 1.08 | 71.43 | 428.57 |
| 37 | 2029-04 | 72.36 | 0.93 | 71.43 | 357.14 |
| 38 | 2029-05 | 72.20 | 0.77 | 71.43 | 285.71 |
| 39 | 2029-06 | 72.05 | 0.62 | 71.43 | 214.29 |
| 40 | 2029-07 | 71.89 | 0.46 | 71.43 | 142.86 |
| 41 | 2029-08 | 71.74 | 0.31 | 71.43 | 71.43 |
| 42 | 2029-09 | 71.58 | 0.15 | 71.43 | 0.00 |