贷款4万（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：4万
还款月数：3年
每月还款：1147.45元
利息总额：1308.21元
本息合计：4.13万
| 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 | 1147.45 | 70.00 | 1077.45 | 38922.55 |
| 2 | 2025-06 | 1147.45 | 68.11 | 1079.34 | 37843.21 |
| 3 | 2025-07 | 1147.45 | 66.23 | 1081.22 | 36761.99 |
| 4 | 2025-08 | 1147.45 | 64.33 | 1083.12 | 35678.87 |
| 5 | 2025-09 | 1147.45 | 62.44 | 1085.01 | 34593.86 |
| 6 | 2025-10 | 1147.45 | 60.54 | 1086.91 | 33506.95 |
| 7 | 2025-11 | 1147.45 | 58.64 | 1088.81 | 32418.14 |
| 8 | 2025-12 | 1147.45 | 56.73 | 1090.72 | 31327.42 |
| 9 | 2026-01 | 1147.45 | 54.82 | 1092.63 | 30234.79 |
| 10 | 2026-02 | 1147.45 | 52.91 | 1094.54 | 29140.25 |
| 11 | 2026-03 | 1147.45 | 51.00 | 1096.45 | 28043.80 |
| 12 | 2026-04 | 1147.45 | 49.08 | 1098.37 | 26945.42 |
| 13 | 2026-05 | 1147.45 | 47.15 | 1100.30 | 25845.13 |
| 14 | 2026-06 | 1147.45 | 45.23 | 1102.22 | 24742.91 |
| 15 | 2026-07 | 1147.45 | 43.30 | 1104.15 | 23638.76 |
| 16 | 2026-08 | 1147.45 | 41.37 | 1106.08 | 22532.67 |
| 17 | 2026-09 | 1147.45 | 39.43 | 1108.02 | 21424.66 |
| 18 | 2026-10 | 1147.45 | 37.49 | 1109.96 | 20314.70 |
| 19 | 2026-11 | 1147.45 | 35.55 | 1111.90 | 19202.80 |
| 20 | 2026-12 | 1147.45 | 33.60 | 1113.85 | 18088.95 |
| 21 | 2027-01 | 1147.45 | 31.66 | 1115.79 | 16973.16 |
| 22 | 2027-02 | 1147.45 | 29.70 | 1117.75 | 15855.41 |
| 23 | 2027-03 | 1147.45 | 27.75 | 1119.70 | 14735.71 |
| 24 | 2027-04 | 1147.45 | 25.79 | 1121.66 | 13614.05 |
| 25 | 2027-05 | 1147.45 | 23.82 | 1123.63 | 12490.42 |
| 26 | 2027-06 | 1147.45 | 21.86 | 1125.59 | 11364.83 |
| 27 | 2027-07 | 1147.45 | 19.89 | 1127.56 | 10237.27 |
| 28 | 2027-08 | 1147.45 | 17.92 | 1129.53 | 9107.73 |
| 29 | 2027-09 | 1147.45 | 15.94 | 1131.51 | 7976.22 |
| 30 | 2027-10 | 1147.45 | 13.96 | 1133.49 | 6842.73 |
| 31 | 2027-11 | 1147.45 | 11.97 | 1135.48 | 5707.25 |
| 32 | 2027-12 | 1147.45 | 9.99 | 1137.46 | 4569.79 |
| 33 | 2028-01 | 1147.45 | 8.00 | 1139.45 | 3430.34 |
| 34 | 2028-02 | 1147.45 | 6.00 | 1141.45 | 2288.89 |
| 35 | 2028-03 | 1147.45 | 4.01 | 1143.44 | 1145.45 |
| 36 | 2028-04 | 1147.45 | 2.00 | 1145.45 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：3年
首月还款：1181.11元
每月递减：1.94元
利息总额：1295元
本息合计：4.13万
节省利息：13.21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 | 1181.11 | 70.00 | 1111.11 | 38888.89 |
| 2 | 2025-06 | 1179.17 | 68.06 | 1111.11 | 37777.78 |
| 3 | 2025-07 | 1177.22 | 66.11 | 1111.11 | 36666.67 |
| 4 | 2025-08 | 1175.28 | 64.17 | 1111.11 | 35555.56 |
| 5 | 2025-09 | 1173.33 | 62.22 | 1111.11 | 34444.44 |
| 6 | 2025-10 | 1171.39 | 60.28 | 1111.11 | 33333.33 |
| 7 | 2025-11 | 1169.44 | 58.33 | 1111.11 | 32222.22 |
| 8 | 2025-12 | 1167.50 | 56.39 | 1111.11 | 31111.11 |
| 9 | 2026-01 | 1165.56 | 54.44 | 1111.11 | 30000.00 |
| 10 | 2026-02 | 1163.61 | 52.50 | 1111.11 | 28888.89 |
| 11 | 2026-03 | 1161.67 | 50.56 | 1111.11 | 27777.78 |
| 12 | 2026-04 | 1159.72 | 48.61 | 1111.11 | 26666.67 |
| 13 | 2026-05 | 1157.78 | 46.67 | 1111.11 | 25555.56 |
| 14 | 2026-06 | 1155.83 | 44.72 | 1111.11 | 24444.44 |
| 15 | 2026-07 | 1153.89 | 42.78 | 1111.11 | 23333.33 |
| 16 | 2026-08 | 1151.94 | 40.83 | 1111.11 | 22222.22 |
| 17 | 2026-09 | 1150.00 | 38.89 | 1111.11 | 21111.11 |
| 18 | 2026-10 | 1148.06 | 36.94 | 1111.11 | 20000.00 |
| 19 | 2026-11 | 1146.11 | 35.00 | 1111.11 | 18888.89 |
| 20 | 2026-12 | 1144.17 | 33.06 | 1111.11 | 17777.78 |
| 21 | 2027-01 | 1142.22 | 31.11 | 1111.11 | 16666.67 |
| 22 | 2027-02 | 1140.28 | 29.17 | 1111.11 | 15555.56 |
| 23 | 2027-03 | 1138.33 | 27.22 | 1111.11 | 14444.44 |
| 24 | 2027-04 | 1136.39 | 25.28 | 1111.11 | 13333.33 |
| 25 | 2027-05 | 1134.44 | 23.33 | 1111.11 | 12222.22 |
| 26 | 2027-06 | 1132.50 | 21.39 | 1111.11 | 11111.11 |
| 27 | 2027-07 | 1130.56 | 19.44 | 1111.11 | 10000.00 |
| 28 | 2027-08 | 1128.61 | 17.50 | 1111.11 | 8888.89 |
| 29 | 2027-09 | 1126.67 | 15.56 | 1111.11 | 7777.78 |
| 30 | 2027-10 | 1124.72 | 13.61 | 1111.11 | 6666.67 |
| 31 | 2027-11 | 1122.78 | 11.67 | 1111.11 | 5555.56 |
| 32 | 2027-12 | 1120.83 | 9.72 | 1111.11 | 4444.44 |
| 33 | 2028-01 | 1118.89 | 7.78 | 1111.11 | 3333.33 |
| 34 | 2028-02 | 1116.94 | 5.83 | 1111.11 | 2222.22 |
| 35 | 2028-03 | 1115.00 | 3.89 | 1111.11 | 1111.11 |
| 36 | 2028-04 | 1113.06 | 1.94 | 1111.11 | 0.00 |