广州贷款5万（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：5万
还款月数：3年
每月还款：1459.58元
利息总额：2544.73元
本息合计：5.25万
| 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 | 1459.58 | 135.42 | 1324.16 | 48675.84 |
| 2 | 2025-06 | 1459.58 | 131.83 | 1327.75 | 47348.10 |
| 3 | 2025-07 | 1459.58 | 128.23 | 1331.34 | 46016.75 |
| 4 | 2025-08 | 1459.58 | 124.63 | 1334.95 | 44681.81 |
| 5 | 2025-09 | 1459.58 | 121.01 | 1338.56 | 43343.24 |
| 6 | 2025-10 | 1459.58 | 117.39 | 1342.19 | 42001.06 |
| 7 | 2025-11 | 1459.58 | 113.75 | 1345.82 | 40655.23 |
| 8 | 2025-12 | 1459.58 | 110.11 | 1349.47 | 39305.77 |
| 9 | 2026-01 | 1459.58 | 106.45 | 1353.12 | 37952.64 |
| 10 | 2026-02 | 1459.58 | 102.79 | 1356.79 | 36595.86 |
| 11 | 2026-03 | 1459.58 | 99.11 | 1360.46 | 35235.39 |
| 12 | 2026-04 | 1459.58 | 95.43 | 1364.15 | 33871.25 |
| 13 | 2026-05 | 1459.58 | 91.73 | 1367.84 | 32503.41 |
| 14 | 2026-06 | 1459.58 | 88.03 | 1371.55 | 31131.86 |
| 15 | 2026-07 | 1459.58 | 84.32 | 1375.26 | 29756.60 |
| 16 | 2026-08 | 1459.58 | 80.59 | 1378.98 | 28377.62 |
| 17 | 2026-09 | 1459.58 | 76.86 | 1382.72 | 26994.90 |
| 18 | 2026-10 | 1459.58 | 73.11 | 1386.46 | 25608.43 |
| 19 | 2026-11 | 1459.58 | 69.36 | 1390.22 | 24218.21 |
| 20 | 2026-12 | 1459.58 | 65.59 | 1393.98 | 22824.23 |
| 21 | 2027-01 | 1459.58 | 61.82 | 1397.76 | 21426.47 |
| 22 | 2027-02 | 1459.58 | 58.03 | 1401.55 | 20024.92 |
| 23 | 2027-03 | 1459.58 | 54.23 | 1405.34 | 18619.58 |
| 24 | 2027-04 | 1459.58 | 50.43 | 1409.15 | 17210.43 |
| 25 | 2027-05 | 1459.58 | 46.61 | 1412.96 | 15797.47 |
| 26 | 2027-06 | 1459.58 | 42.78 | 1416.79 | 14380.68 |
| 27 | 2027-07 | 1459.58 | 38.95 | 1420.63 | 12960.05 |
| 28 | 2027-08 | 1459.58 | 35.10 | 1424.48 | 11535.57 |
| 29 | 2027-09 | 1459.58 | 31.24 | 1428.33 | 10107.24 |
| 30 | 2027-10 | 1459.58 | 27.37 | 1432.20 | 8675.04 |
| 31 | 2027-11 | 1459.58 | 23.49 | 1436.08 | 7238.96 |
| 32 | 2027-12 | 1459.58 | 19.61 | 1439.97 | 5798.99 |
| 33 | 2028-01 | 1459.58 | 15.71 | 1443.87 | 4355.12 |
| 34 | 2028-02 | 1459.58 | 11.80 | 1447.78 | 2907.34 |
| 35 | 2028-03 | 1459.58 | 7.87 | 1451.70 | 1455.63 |
| 36 | 2028-04 | 1459.58 | 3.94 | 1455.63 | 0.00 |
等额本金还款方式：
贷款总额：5万
还款月数：3年
首月还款：1524.31元
每月递减：3.76元
利息总额：2505.21元
本息合计：5.25万
节省利息：39.52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 | 1524.31 | 135.42 | 1388.89 | 48611.11 |
| 2 | 2025-06 | 1520.54 | 131.66 | 1388.89 | 47222.22 |
| 3 | 2025-07 | 1516.78 | 127.89 | 1388.89 | 45833.33 |
| 4 | 2025-08 | 1513.02 | 124.13 | 1388.89 | 44444.44 |
| 5 | 2025-09 | 1509.26 | 120.37 | 1388.89 | 43055.56 |
| 6 | 2025-10 | 1505.50 | 116.61 | 1388.89 | 41666.67 |
| 7 | 2025-11 | 1501.74 | 112.85 | 1388.89 | 40277.78 |
| 8 | 2025-12 | 1497.97 | 109.09 | 1388.89 | 38888.89 |
| 9 | 2026-01 | 1494.21 | 105.32 | 1388.89 | 37500.00 |
| 10 | 2026-02 | 1490.45 | 101.56 | 1388.89 | 36111.11 |
| 11 | 2026-03 | 1486.69 | 97.80 | 1388.89 | 34722.22 |
| 12 | 2026-04 | 1482.93 | 94.04 | 1388.89 | 33333.33 |
| 13 | 2026-05 | 1479.17 | 90.28 | 1388.89 | 31944.44 |
| 14 | 2026-06 | 1475.41 | 86.52 | 1388.89 | 30555.56 |
| 15 | 2026-07 | 1471.64 | 82.75 | 1388.89 | 29166.67 |
| 16 | 2026-08 | 1467.88 | 78.99 | 1388.89 | 27777.78 |
| 17 | 2026-09 | 1464.12 | 75.23 | 1388.89 | 26388.89 |
| 18 | 2026-10 | 1460.36 | 71.47 | 1388.89 | 25000.00 |
| 19 | 2026-11 | 1456.60 | 67.71 | 1388.89 | 23611.11 |
| 20 | 2026-12 | 1452.84 | 63.95 | 1388.89 | 22222.22 |
| 21 | 2027-01 | 1449.07 | 60.19 | 1388.89 | 20833.33 |
| 22 | 2027-02 | 1445.31 | 56.42 | 1388.89 | 19444.44 |
| 23 | 2027-03 | 1441.55 | 52.66 | 1388.89 | 18055.56 |
| 24 | 2027-04 | 1437.79 | 48.90 | 1388.89 | 16666.67 |
| 25 | 2027-05 | 1434.03 | 45.14 | 1388.89 | 15277.78 |
| 26 | 2027-06 | 1430.27 | 41.38 | 1388.89 | 13888.89 |
| 27 | 2027-07 | 1426.50 | 37.62 | 1388.89 | 12500.00 |
| 28 | 2027-08 | 1422.74 | 33.85 | 1388.89 | 11111.11 |
| 29 | 2027-09 | 1418.98 | 30.09 | 1388.89 | 9722.22 |
| 30 | 2027-10 | 1415.22 | 26.33 | 1388.89 | 8333.33 |
| 31 | 2027-11 | 1411.46 | 22.57 | 1388.89 | 6944.44 |
| 32 | 2027-12 | 1407.70 | 18.81 | 1388.89 | 5555.56 |
| 33 | 2028-01 | 1403.94 | 15.05 | 1388.89 | 4166.67 |
| 34 | 2028-02 | 1400.17 | 11.28 | 1388.89 | 2777.78 |
| 35 | 2028-03 | 1396.41 | 7.52 | 1388.89 | 1388.89 |
| 36 | 2028-04 | 1392.65 | 3.76 | 1388.89 | 0.00 |