贷款1.5万（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：1.5万
还款月数：3年7个月
每月还款：365.72元
利息总额：725.83元
本息合计：1.57万
| 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 | 365.72 | 32.50 | 333.22 | 14666.78 |
| 2 | 2026-05 | 365.72 | 31.78 | 333.94 | 14332.84 |
| 3 | 2026-06 | 365.72 | 31.05 | 334.66 | 13998.18 |
| 4 | 2026-07 | 365.72 | 30.33 | 335.39 | 13662.79 |
| 5 | 2026-08 | 365.72 | 29.60 | 336.11 | 13326.68 |
| 6 | 2026-09 | 365.72 | 28.87 | 336.84 | 12989.84 |
| 7 | 2026-10 | 365.72 | 28.14 | 337.57 | 12652.26 |
| 8 | 2026-11 | 365.72 | 27.41 | 338.30 | 12313.96 |
| 9 | 2026-12 | 365.72 | 26.68 | 339.04 | 11974.92 |
| 10 | 2027-01 | 365.72 | 25.95 | 339.77 | 11635.15 |
| 11 | 2027-02 | 365.72 | 25.21 | 340.51 | 11294.65 |
| 12 | 2027-03 | 365.72 | 24.47 | 341.25 | 10953.40 |
| 13 | 2027-04 | 365.72 | 23.73 | 341.98 | 10611.42 |
| 14 | 2027-05 | 365.72 | 22.99 | 342.73 | 10268.69 |
| 15 | 2027-06 | 365.72 | 22.25 | 343.47 | 9925.22 |
| 16 | 2027-07 | 365.72 | 21.50 | 344.21 | 9581.01 |
| 17 | 2027-08 | 365.72 | 20.76 | 344.96 | 9236.05 |
| 18 | 2027-09 | 365.72 | 20.01 | 345.71 | 8890.35 |
| 19 | 2027-10 | 365.72 | 19.26 | 346.45 | 8543.89 |
| 20 | 2027-11 | 365.72 | 18.51 | 347.21 | 8196.69 |
| 21 | 2027-12 | 365.72 | 17.76 | 347.96 | 7848.73 |
| 22 | 2028-01 | 365.72 | 17.01 | 348.71 | 7500.02 |
| 23 | 2028-02 | 365.72 | 16.25 | 349.47 | 7150.55 |
| 24 | 2028-03 | 365.72 | 15.49 | 350.22 | 6800.33 |
| 25 | 2028-04 | 365.72 | 14.73 | 350.98 | 6449.34 |
| 26 | 2028-05 | 365.72 | 13.97 | 351.74 | 6097.60 |
| 27 | 2028-06 | 365.72 | 13.21 | 352.51 | 5745.09 |
| 28 | 2028-07 | 365.72 | 12.45 | 353.27 | 5391.82 |
| 29 | 2028-08 | 365.72 | 11.68 | 354.03 | 5037.79 |
| 30 | 2028-09 | 365.72 | 10.92 | 354.80 | 4682.99 |
| 31 | 2028-10 | 365.72 | 10.15 | 355.57 | 4327.42 |
| 32 | 2028-11 | 365.72 | 9.38 | 356.34 | 3971.08 |
| 33 | 2028-12 | 365.72 | 8.60 | 357.11 | 3613.96 |
| 34 | 2029-01 | 365.72 | 7.83 | 357.89 | 3256.08 |
| 35 | 2029-02 | 365.72 | 7.05 | 358.66 | 2897.41 |
| 36 | 2029-03 | 365.72 | 6.28 | 359.44 | 2537.98 |
| 37 | 2029-04 | 365.72 | 5.50 | 360.22 | 2177.76 |
| 38 | 2029-05 | 365.72 | 4.72 | 361.00 | 1816.76 |
| 39 | 2029-06 | 365.72 | 3.94 | 361.78 | 1454.98 |
| 40 | 2029-07 | 365.72 | 3.15 | 362.56 | 1092.41 |
| 41 | 2029-08 | 365.72 | 2.37 | 363.35 | 729.06 |
| 42 | 2029-09 | 365.72 | 1.58 | 364.14 | 364.93 |
| 43 | 2029-10 | 365.72 | 0.79 | 364.93 | 0.00 |
等额本金还款方式：
贷款总额：1.5万
还款月数：3年7个月
首月还款：381.34元
每月递减：0.76元
利息总额：715元
本息合计：1.57万
节省利息：10.83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 | 381.34 | 32.50 | 348.84 | 14651.16 |
| 2 | 2026-05 | 380.58 | 31.74 | 348.84 | 14302.33 |
| 3 | 2026-06 | 379.83 | 30.99 | 348.84 | 13953.49 |
| 4 | 2026-07 | 379.07 | 30.23 | 348.84 | 13604.65 |
| 5 | 2026-08 | 378.31 | 29.48 | 348.84 | 13255.81 |
| 6 | 2026-09 | 377.56 | 28.72 | 348.84 | 12906.98 |
| 7 | 2026-10 | 376.80 | 27.97 | 348.84 | 12558.14 |
| 8 | 2026-11 | 376.05 | 27.21 | 348.84 | 12209.30 |
| 9 | 2026-12 | 375.29 | 26.45 | 348.84 | 11860.47 |
| 10 | 2027-01 | 374.53 | 25.70 | 348.84 | 11511.63 |
| 11 | 2027-02 | 373.78 | 24.94 | 348.84 | 11162.79 |
| 12 | 2027-03 | 373.02 | 24.19 | 348.84 | 10813.95 |
| 13 | 2027-04 | 372.27 | 23.43 | 348.84 | 10465.12 |
| 14 | 2027-05 | 371.51 | 22.67 | 348.84 | 10116.28 |
| 15 | 2027-06 | 370.76 | 21.92 | 348.84 | 9767.44 |
| 16 | 2027-07 | 370.00 | 21.16 | 348.84 | 9418.60 |
| 17 | 2027-08 | 369.24 | 20.41 | 348.84 | 9069.77 |
| 18 | 2027-09 | 368.49 | 19.65 | 348.84 | 8720.93 |
| 19 | 2027-10 | 367.73 | 18.90 | 348.84 | 8372.09 |
| 20 | 2027-11 | 366.98 | 18.14 | 348.84 | 8023.26 |
| 21 | 2027-12 | 366.22 | 17.38 | 348.84 | 7674.42 |
| 22 | 2028-01 | 365.47 | 16.63 | 348.84 | 7325.58 |
| 23 | 2028-02 | 364.71 | 15.87 | 348.84 | 6976.74 |
| 24 | 2028-03 | 363.95 | 15.12 | 348.84 | 6627.91 |
| 25 | 2028-04 | 363.20 | 14.36 | 348.84 | 6279.07 |
| 26 | 2028-05 | 362.44 | 13.60 | 348.84 | 5930.23 |
| 27 | 2028-06 | 361.69 | 12.85 | 348.84 | 5581.40 |
| 28 | 2028-07 | 360.93 | 12.09 | 348.84 | 5232.56 |
| 29 | 2028-08 | 360.17 | 11.34 | 348.84 | 4883.72 |
| 30 | 2028-09 | 359.42 | 10.58 | 348.84 | 4534.88 |
| 31 | 2028-10 | 358.66 | 9.83 | 348.84 | 4186.05 |
| 32 | 2028-11 | 357.91 | 9.07 | 348.84 | 3837.21 |
| 33 | 2028-12 | 357.15 | 8.31 | 348.84 | 3488.37 |
| 34 | 2029-01 | 356.40 | 7.56 | 348.84 | 3139.53 |
| 35 | 2029-02 | 355.64 | 6.80 | 348.84 | 2790.70 |
| 36 | 2029-03 | 354.88 | 6.05 | 348.84 | 2441.86 |
| 37 | 2029-04 | 354.13 | 5.29 | 348.84 | 2093.02 |
| 38 | 2029-05 | 353.37 | 4.53 | 348.84 | 1744.19 |
| 39 | 2029-06 | 352.62 | 3.78 | 348.84 | 1395.35 |
| 40 | 2029-07 | 351.86 | 3.02 | 348.84 | 1046.51 |
| 41 | 2029-08 | 351.10 | 2.27 | 348.84 | 697.67 |
| 42 | 2029-09 | 350.35 | 1.51 | 348.84 | 348.84 |
| 43 | 2029-10 | 349.59 | 0.76 | 348.84 | 0.00 |