嘉兴贷款360万（公积金贷款）房贷，还款3年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：360万
还款月数：3年
每月还款：104058.93元
利息总额：14.61万
本息合计：374.61万
| 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 | 104058.93 | 7800.00 | 96258.93 | 3503741.07 |
| 2 | 2025-06 | 104058.93 | 7591.44 | 96467.50 | 3407273.57 |
| 3 | 2025-07 | 104058.93 | 7382.43 | 96676.51 | 3310597.06 |
| 4 | 2025-08 | 104058.93 | 7172.96 | 96885.97 | 3213711.09 |
| 5 | 2025-09 | 104058.93 | 6963.04 | 97095.89 | 3116615.19 |
| 6 | 2025-10 | 104058.93 | 6752.67 | 97306.27 | 3019308.93 |
| 7 | 2025-11 | 104058.93 | 6541.84 | 97517.10 | 2921791.83 |
| 8 | 2025-12 | 104058.93 | 6330.55 | 97728.39 | 2824063.44 |
| 9 | 2026-01 | 104058.93 | 6118.80 | 97940.13 | 2726123.31 |
| 10 | 2026-02 | 104058.93 | 5906.60 | 98152.33 | 2627970.98 |
| 11 | 2026-03 | 104058.93 | 5693.94 | 98365.00 | 2529605.98 |
| 12 | 2026-04 | 104058.93 | 5480.81 | 98578.12 | 2431027.86 |
| 13 | 2026-05 | 104058.93 | 5267.23 | 98791.71 | 2332236.15 |
| 14 | 2026-06 | 104058.93 | 5053.18 | 99005.76 | 2233230.40 |
| 15 | 2026-07 | 104058.93 | 4838.67 | 99220.27 | 2134010.13 |
| 16 | 2026-08 | 104058.93 | 4623.69 | 99435.25 | 2034574.88 |
| 17 | 2026-09 | 104058.93 | 4408.25 | 99650.69 | 1934924.19 |
| 18 | 2026-10 | 104058.93 | 4192.34 | 99866.60 | 1835057.60 |
| 19 | 2026-11 | 104058.93 | 3975.96 | 100082.98 | 1734974.62 |
| 20 | 2026-12 | 104058.93 | 3759.11 | 100299.82 | 1634674.80 |
| 21 | 2027-01 | 104058.93 | 3541.80 | 100517.14 | 1534157.66 |
| 22 | 2027-02 | 104058.93 | 3324.01 | 100734.93 | 1433422.73 |
| 23 | 2027-03 | 104058.93 | 3105.75 | 100953.19 | 1332469.55 |
| 24 | 2027-04 | 104058.93 | 2887.02 | 101171.92 | 1231297.63 |
| 25 | 2027-05 | 104058.93 | 2667.81 | 101391.12 | 1129906.51 |
| 26 | 2027-06 | 104058.93 | 2448.13 | 101610.80 | 1028295.70 |
| 27 | 2027-07 | 104058.93 | 2227.97 | 101830.96 | 926464.74 |
| 28 | 2027-08 | 104058.93 | 2007.34 | 102051.59 | 824413.15 |
| 29 | 2027-09 | 104058.93 | 1786.23 | 102272.71 | 722140.44 |
| 30 | 2027-10 | 104058.93 | 1564.64 | 102494.30 | 619646.15 |
| 31 | 2027-11 | 104058.93 | 1342.57 | 102716.37 | 516929.78 |
| 32 | 2027-12 | 104058.93 | 1120.01 | 102938.92 | 413990.86 |
| 33 | 2028-01 | 104058.93 | 896.98 | 103161.95 | 310828.91 |
| 34 | 2028-02 | 104058.93 | 673.46 | 103385.47 | 207443.43 |
| 35 | 2028-03 | 104058.93 | 449.46 | 103609.47 | 103833.96 |
| 36 | 2028-04 | 104058.93 | 224.97 | 103833.96 | 0.00 |
等额本金还款方式：
贷款总额：360万
还款月数：3年
首月还款：107800元
每月递减：216.67元
利息总额：14.43万
本息合计：374.43万
节省利息：1821.63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 | 107800.00 | 7800.00 | 100000.00 | 3500000.00 |
| 2 | 2025-06 | 107583.33 | 7583.33 | 100000.00 | 3400000.00 |
| 3 | 2025-07 | 107366.67 | 7366.67 | 100000.00 | 3300000.00 |
| 4 | 2025-08 | 107150.00 | 7150.00 | 100000.00 | 3200000.00 |
| 5 | 2025-09 | 106933.33 | 6933.33 | 100000.00 | 3100000.00 |
| 6 | 2025-10 | 106716.67 | 6716.67 | 100000.00 | 3000000.00 |
| 7 | 2025-11 | 106500.00 | 6500.00 | 100000.00 | 2900000.00 |
| 8 | 2025-12 | 106283.33 | 6283.33 | 100000.00 | 2800000.00 |
| 9 | 2026-01 | 106066.67 | 6066.67 | 100000.00 | 2700000.00 |
| 10 | 2026-02 | 105850.00 | 5850.00 | 100000.00 | 2600000.00 |
| 11 | 2026-03 | 105633.33 | 5633.33 | 100000.00 | 2500000.00 |
| 12 | 2026-04 | 105416.67 | 5416.67 | 100000.00 | 2400000.00 |
| 13 | 2026-05 | 105200.00 | 5200.00 | 100000.00 | 2300000.00 |
| 14 | 2026-06 | 104983.33 | 4983.33 | 100000.00 | 2200000.00 |
| 15 | 2026-07 | 104766.67 | 4766.67 | 100000.00 | 2100000.00 |
| 16 | 2026-08 | 104550.00 | 4550.00 | 100000.00 | 2000000.00 |
| 17 | 2026-09 | 104333.33 | 4333.33 | 100000.00 | 1900000.00 |
| 18 | 2026-10 | 104116.67 | 4116.67 | 100000.00 | 1800000.00 |
| 19 | 2026-11 | 103900.00 | 3900.00 | 100000.00 | 1700000.00 |
| 20 | 2026-12 | 103683.33 | 3683.33 | 100000.00 | 1600000.00 |
| 21 | 2027-01 | 103466.67 | 3466.67 | 100000.00 | 1500000.00 |
| 22 | 2027-02 | 103250.00 | 3250.00 | 100000.00 | 1400000.00 |
| 23 | 2027-03 | 103033.33 | 3033.33 | 100000.00 | 1300000.00 |
| 24 | 2027-04 | 102816.67 | 2816.67 | 100000.00 | 1200000.00 |
| 25 | 2027-05 | 102600.00 | 2600.00 | 100000.00 | 1100000.00 |
| 26 | 2027-06 | 102383.33 | 2383.33 | 100000.00 | 1000000.00 |
| 27 | 2027-07 | 102166.67 | 2166.67 | 100000.00 | 900000.00 |
| 28 | 2027-08 | 101950.00 | 1950.00 | 100000.00 | 800000.00 |
| 29 | 2027-09 | 101733.33 | 1733.33 | 100000.00 | 700000.00 |
| 30 | 2027-10 | 101516.67 | 1516.67 | 100000.00 | 600000.00 |
| 31 | 2027-11 | 101300.00 | 1300.00 | 100000.00 | 500000.00 |
| 32 | 2027-12 | 101083.33 | 1083.33 | 100000.00 | 400000.00 |
| 33 | 2028-01 | 100866.67 | 866.67 | 100000.00 | 300000.00 |
| 34 | 2028-02 | 100650.00 | 650.00 | 100000.00 | 200000.00 |
| 35 | 2028-03 | 100433.33 | 433.33 | 100000.00 | 100000.00 |
| 36 | 2028-04 | 100216.67 | 216.67 | 100000.00 | 0.00 |