贷款3000元（公积金贷款）房贷，还款3年7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7个月
每月还款：73.14元
利息总额：145.17元
本息合计：3145.17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 | 73.14 | 6.50 | 66.64 | 2933.36 |
| 2 | 2026-05 | 73.14 | 6.36 | 66.79 | 2866.57 |
| 3 | 2026-06 | 73.14 | 6.21 | 66.93 | 2799.64 |
| 4 | 2026-07 | 73.14 | 6.07 | 67.08 | 2732.56 |
| 5 | 2026-08 | 73.14 | 5.92 | 67.22 | 2665.34 |
| 6 | 2026-09 | 73.14 | 5.77 | 67.37 | 2597.97 |
| 7 | 2026-10 | 73.14 | 5.63 | 67.51 | 2530.45 |
| 8 | 2026-11 | 73.14 | 5.48 | 67.66 | 2462.79 |
| 9 | 2026-12 | 73.14 | 5.34 | 67.81 | 2394.98 |
| 10 | 2027-01 | 73.14 | 5.19 | 67.95 | 2327.03 |
| 11 | 2027-02 | 73.14 | 5.04 | 68.10 | 2258.93 |
| 12 | 2027-03 | 73.14 | 4.89 | 68.25 | 2190.68 |
| 13 | 2027-04 | 73.14 | 4.75 | 68.40 | 2122.28 |
| 14 | 2027-05 | 73.14 | 4.60 | 68.55 | 2053.74 |
| 15 | 2027-06 | 73.14 | 4.45 | 68.69 | 1985.04 |
| 16 | 2027-07 | 73.14 | 4.30 | 68.84 | 1916.20 |
| 17 | 2027-08 | 73.14 | 4.15 | 68.99 | 1847.21 |
| 18 | 2027-09 | 73.14 | 4.00 | 69.14 | 1778.07 |
| 19 | 2027-10 | 73.14 | 3.85 | 69.29 | 1708.78 |
| 20 | 2027-11 | 73.14 | 3.70 | 69.44 | 1639.34 |
| 21 | 2027-12 | 73.14 | 3.55 | 69.59 | 1569.75 |
| 22 | 2028-01 | 73.14 | 3.40 | 69.74 | 1500.00 |
| 23 | 2028-02 | 73.14 | 3.25 | 69.89 | 1430.11 |
| 24 | 2028-03 | 73.14 | 3.10 | 70.04 | 1360.07 |
| 25 | 2028-04 | 73.14 | 2.95 | 70.20 | 1289.87 |
| 26 | 2028-05 | 73.14 | 2.79 | 70.35 | 1219.52 |
| 27 | 2028-06 | 73.14 | 2.64 | 70.50 | 1149.02 |
| 28 | 2028-07 | 73.14 | 2.49 | 70.65 | 1078.36 |
| 29 | 2028-08 | 73.14 | 2.34 | 70.81 | 1007.56 |
| 30 | 2028-09 | 73.14 | 2.18 | 70.96 | 936.60 |
| 31 | 2028-10 | 73.14 | 2.03 | 71.11 | 865.48 |
| 32 | 2028-11 | 73.14 | 1.88 | 71.27 | 794.22 |
| 33 | 2028-12 | 73.14 | 1.72 | 71.42 | 722.79 |
| 34 | 2029-01 | 73.14 | 1.57 | 71.58 | 651.22 |
| 35 | 2029-02 | 73.14 | 1.41 | 71.73 | 579.48 |
| 36 | 2029-03 | 73.14 | 1.26 | 71.89 | 507.60 |
| 37 | 2029-04 | 73.14 | 1.10 | 72.04 | 435.55 |
| 38 | 2029-05 | 73.14 | 0.94 | 72.20 | 363.35 |
| 39 | 2029-06 | 73.14 | 0.79 | 72.36 | 291.00 |
| 40 | 2029-07 | 73.14 | 0.63 | 72.51 | 218.48 |
| 41 | 2029-08 | 73.14 | 0.47 | 72.67 | 145.81 |
| 42 | 2029-09 | 73.14 | 0.32 | 72.83 | 72.99 |
| 43 | 2029-10 | 73.14 | 0.16 | 72.99 | 0.00 |
等额本金还款方式：
贷款总额：3000元
还款月数：3年7个月
首月还款：76.27元
每月递减：0.15元
利息总额：143元
本息合计：3143元
节省利息：2.17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 | 76.27 | 6.50 | 69.77 | 2930.23 |
| 2 | 2026-05 | 76.12 | 6.35 | 69.77 | 2860.47 |
| 3 | 2026-06 | 75.97 | 6.20 | 69.77 | 2790.70 |
| 4 | 2026-07 | 75.81 | 6.05 | 69.77 | 2720.93 |
| 5 | 2026-08 | 75.66 | 5.90 | 69.77 | 2651.16 |
| 6 | 2026-09 | 75.51 | 5.74 | 69.77 | 2581.40 |
| 7 | 2026-10 | 75.36 | 5.59 | 69.77 | 2511.63 |
| 8 | 2026-11 | 75.21 | 5.44 | 69.77 | 2441.86 |
| 9 | 2026-12 | 75.06 | 5.29 | 69.77 | 2372.09 |
| 10 | 2027-01 | 74.91 | 5.14 | 69.77 | 2302.33 |
| 11 | 2027-02 | 74.76 | 4.99 | 69.77 | 2232.56 |
| 12 | 2027-03 | 74.60 | 4.84 | 69.77 | 2162.79 |
| 13 | 2027-04 | 74.45 | 4.69 | 69.77 | 2093.02 |
| 14 | 2027-05 | 74.30 | 4.53 | 69.77 | 2023.26 |
| 15 | 2027-06 | 74.15 | 4.38 | 69.77 | 1953.49 |
| 16 | 2027-07 | 74.00 | 4.23 | 69.77 | 1883.72 |
| 17 | 2027-08 | 73.85 | 4.08 | 69.77 | 1813.95 |
| 18 | 2027-09 | 73.70 | 3.93 | 69.77 | 1744.19 |
| 19 | 2027-10 | 73.55 | 3.78 | 69.77 | 1674.42 |
| 20 | 2027-11 | 73.40 | 3.63 | 69.77 | 1604.65 |
| 21 | 2027-12 | 73.24 | 3.48 | 69.77 | 1534.88 |
| 22 | 2028-01 | 73.09 | 3.33 | 69.77 | 1465.12 |
| 23 | 2028-02 | 72.94 | 3.17 | 69.77 | 1395.35 |
| 24 | 2028-03 | 72.79 | 3.02 | 69.77 | 1325.58 |
| 25 | 2028-04 | 72.64 | 2.87 | 69.77 | 1255.81 |
| 26 | 2028-05 | 72.49 | 2.72 | 69.77 | 1186.05 |
| 27 | 2028-06 | 72.34 | 2.57 | 69.77 | 1116.28 |
| 28 | 2028-07 | 72.19 | 2.42 | 69.77 | 1046.51 |
| 29 | 2028-08 | 72.03 | 2.27 | 69.77 | 976.74 |
| 30 | 2028-09 | 71.88 | 2.12 | 69.77 | 906.98 |
| 31 | 2028-10 | 71.73 | 1.97 | 69.77 | 837.21 |
| 32 | 2028-11 | 71.58 | 1.81 | 69.77 | 767.44 |
| 33 | 2028-12 | 71.43 | 1.66 | 69.77 | 697.67 |
| 34 | 2029-01 | 71.28 | 1.51 | 69.77 | 627.91 |
| 35 | 2029-02 | 71.13 | 1.36 | 69.77 | 558.14 |
| 36 | 2029-03 | 70.98 | 1.21 | 69.77 | 488.37 |
| 37 | 2029-04 | 70.83 | 1.06 | 69.77 | 418.60 |
| 38 | 2029-05 | 70.67 | 0.91 | 69.77 | 348.84 |
| 39 | 2029-06 | 70.52 | 0.76 | 69.77 | 279.07 |
| 40 | 2029-07 | 70.37 | 0.60 | 69.77 | 209.30 |
| 41 | 2029-08 | 70.22 | 0.45 | 69.77 | 139.53 |
| 42 | 2029-09 | 70.07 | 0.30 | 69.77 | 69.77 |
| 43 | 2029-10 | 69.92 | 0.15 | 69.77 | 0.00 |