嘉兴贷款36万（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：36万
还款月数：3年
每月还款：10405.89元
利息总额：1.46万
本息合计：37.46万
| 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 | 10405.89 | 780.00 | 9625.89 | 350374.11 |
| 2 | 2025-06 | 10405.89 | 759.14 | 9646.75 | 340727.36 |
| 3 | 2025-07 | 10405.89 | 738.24 | 9667.65 | 331059.71 |
| 4 | 2025-08 | 10405.89 | 717.30 | 9688.60 | 321371.11 |
| 5 | 2025-09 | 10405.89 | 696.30 | 9709.59 | 311661.52 |
| 6 | 2025-10 | 10405.89 | 675.27 | 9730.63 | 301930.89 |
| 7 | 2025-11 | 10405.89 | 654.18 | 9751.71 | 292179.18 |
| 8 | 2025-12 | 10405.89 | 633.05 | 9772.84 | 282406.34 |
| 9 | 2026-01 | 10405.89 | 611.88 | 9794.01 | 272612.33 |
| 10 | 2026-02 | 10405.89 | 590.66 | 9815.23 | 262797.10 |
| 11 | 2026-03 | 10405.89 | 569.39 | 9836.50 | 252960.60 |
| 12 | 2026-04 | 10405.89 | 548.08 | 9857.81 | 243102.79 |
| 13 | 2026-05 | 10405.89 | 526.72 | 9879.17 | 233223.62 |
| 14 | 2026-06 | 10405.89 | 505.32 | 9900.58 | 223323.04 |
| 15 | 2026-07 | 10405.89 | 483.87 | 9922.03 | 213401.01 |
| 16 | 2026-08 | 10405.89 | 462.37 | 9943.52 | 203457.49 |
| 17 | 2026-09 | 10405.89 | 440.82 | 9965.07 | 193492.42 |
| 18 | 2026-10 | 10405.89 | 419.23 | 9986.66 | 183505.76 |
| 19 | 2026-11 | 10405.89 | 397.60 | 10008.30 | 173497.46 |
| 20 | 2026-12 | 10405.89 | 375.91 | 10029.98 | 163467.48 |
| 21 | 2027-01 | 10405.89 | 354.18 | 10051.71 | 153415.77 |
| 22 | 2027-02 | 10405.89 | 332.40 | 10073.49 | 143342.27 |
| 23 | 2027-03 | 10405.89 | 310.57 | 10095.32 | 133246.95 |
| 24 | 2027-04 | 10405.89 | 288.70 | 10117.19 | 123129.76 |
| 25 | 2027-05 | 10405.89 | 266.78 | 10139.11 | 112990.65 |
| 26 | 2027-06 | 10405.89 | 244.81 | 10161.08 | 102829.57 |
| 27 | 2027-07 | 10405.89 | 222.80 | 10183.10 | 92646.47 |
| 28 | 2027-08 | 10405.89 | 200.73 | 10205.16 | 82441.31 |
| 29 | 2027-09 | 10405.89 | 178.62 | 10227.27 | 72214.04 |
| 30 | 2027-10 | 10405.89 | 156.46 | 10249.43 | 61964.61 |
| 31 | 2027-11 | 10405.89 | 134.26 | 10271.64 | 51692.98 |
| 32 | 2027-12 | 10405.89 | 112.00 | 10293.89 | 41399.09 |
| 33 | 2028-01 | 10405.89 | 89.70 | 10316.20 | 31082.89 |
| 34 | 2028-02 | 10405.89 | 67.35 | 10338.55 | 20744.34 |
| 35 | 2028-03 | 10405.89 | 44.95 | 10360.95 | 10383.40 |
| 36 | 2028-04 | 10405.89 | 22.50 | 10383.40 | 0.00 |
等额本金还款方式：
贷款总额：36万
还款月数：3年
首月还款：10780元
每月递减：21.67元
利息总额：1.44万
本息合计：37.44万
节省利息：182.16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 | 10780.00 | 780.00 | 10000.00 | 350000.00 |
| 2 | 2025-06 | 10758.33 | 758.33 | 10000.00 | 340000.00 |
| 3 | 2025-07 | 10736.67 | 736.67 | 10000.00 | 330000.00 |
| 4 | 2025-08 | 10715.00 | 715.00 | 10000.00 | 320000.00 |
| 5 | 2025-09 | 10693.33 | 693.33 | 10000.00 | 310000.00 |
| 6 | 2025-10 | 10671.67 | 671.67 | 10000.00 | 300000.00 |
| 7 | 2025-11 | 10650.00 | 650.00 | 10000.00 | 290000.00 |
| 8 | 2025-12 | 10628.33 | 628.33 | 10000.00 | 280000.00 |
| 9 | 2026-01 | 10606.67 | 606.67 | 10000.00 | 270000.00 |
| 10 | 2026-02 | 10585.00 | 585.00 | 10000.00 | 260000.00 |
| 11 | 2026-03 | 10563.33 | 563.33 | 10000.00 | 250000.00 |
| 12 | 2026-04 | 10541.67 | 541.67 | 10000.00 | 240000.00 |
| 13 | 2026-05 | 10520.00 | 520.00 | 10000.00 | 230000.00 |
| 14 | 2026-06 | 10498.33 | 498.33 | 10000.00 | 220000.00 |
| 15 | 2026-07 | 10476.67 | 476.67 | 10000.00 | 210000.00 |
| 16 | 2026-08 | 10455.00 | 455.00 | 10000.00 | 200000.00 |
| 17 | 2026-09 | 10433.33 | 433.33 | 10000.00 | 190000.00 |
| 18 | 2026-10 | 10411.67 | 411.67 | 10000.00 | 180000.00 |
| 19 | 2026-11 | 10390.00 | 390.00 | 10000.00 | 170000.00 |
| 20 | 2026-12 | 10368.33 | 368.33 | 10000.00 | 160000.00 |
| 21 | 2027-01 | 10346.67 | 346.67 | 10000.00 | 150000.00 |
| 22 | 2027-02 | 10325.00 | 325.00 | 10000.00 | 140000.00 |
| 23 | 2027-03 | 10303.33 | 303.33 | 10000.00 | 130000.00 |
| 24 | 2027-04 | 10281.67 | 281.67 | 10000.00 | 120000.00 |
| 25 | 2027-05 | 10260.00 | 260.00 | 10000.00 | 110000.00 |
| 26 | 2027-06 | 10238.33 | 238.33 | 10000.00 | 100000.00 |
| 27 | 2027-07 | 10216.67 | 216.67 | 10000.00 | 90000.00 |
| 28 | 2027-08 | 10195.00 | 195.00 | 10000.00 | 80000.00 |
| 29 | 2027-09 | 10173.33 | 173.33 | 10000.00 | 70000.00 |
| 30 | 2027-10 | 10151.67 | 151.67 | 10000.00 | 60000.00 |
| 31 | 2027-11 | 10130.00 | 130.00 | 10000.00 | 50000.00 |
| 32 | 2027-12 | 10108.33 | 108.33 | 10000.00 | 40000.00 |
| 33 | 2028-01 | 10086.67 | 86.67 | 10000.00 | 30000.00 |
| 34 | 2028-02 | 10065.00 | 65.00 | 10000.00 | 20000.00 |
| 35 | 2028-03 | 10043.33 | 43.33 | 10000.00 | 10000.00 |
| 36 | 2028-04 | 10021.67 | 21.67 | 10000.00 | 0.00 |