河北贷款15万（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：15万
还款月数：3年
每月还款：4309.5元
利息总额：5141.85元
本息合计：15.51万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 4309.50 | 275.00 | 4034.50 | 145965.50 |
| 2 | 2025-08 | 4309.50 | 267.60 | 4041.89 | 141923.61 |
| 3 | 2025-09 | 4309.50 | 260.19 | 4049.30 | 137874.31 |
| 4 | 2025-10 | 4309.50 | 252.77 | 4056.73 | 133817.58 |
| 5 | 2025-11 | 4309.50 | 245.33 | 4064.16 | 129753.42 |
| 6 | 2025-12 | 4309.50 | 237.88 | 4071.61 | 125681.80 |
| 7 | 2026-01 | 4309.50 | 230.42 | 4079.08 | 121602.72 |
| 8 | 2026-02 | 4309.50 | 222.94 | 4086.56 | 117516.17 |
| 9 | 2026-03 | 4309.50 | 215.45 | 4094.05 | 113422.12 |
| 10 | 2026-04 | 4309.50 | 207.94 | 4101.56 | 109320.56 |
| 11 | 2026-05 | 4309.50 | 200.42 | 4109.07 | 105211.49 |
| 12 | 2026-06 | 4309.50 | 192.89 | 4116.61 | 101094.88 |
| 13 | 2026-07 | 4309.50 | 185.34 | 4124.16 | 96970.72 |
| 14 | 2026-08 | 4309.50 | 177.78 | 4131.72 | 92839.01 |
| 15 | 2026-09 | 4309.50 | 170.20 | 4139.29 | 88699.72 |
| 16 | 2026-10 | 4309.50 | 162.62 | 4146.88 | 84552.84 |
| 17 | 2026-11 | 4309.50 | 155.01 | 4154.48 | 80398.35 |
| 18 | 2026-12 | 4309.50 | 147.40 | 4162.10 | 76236.26 |
| 19 | 2027-01 | 4309.50 | 139.77 | 4169.73 | 72066.53 |
| 20 | 2027-02 | 4309.50 | 132.12 | 4177.37 | 67889.15 |
| 21 | 2027-03 | 4309.50 | 124.46 | 4185.03 | 63704.12 |
| 22 | 2027-04 | 4309.50 | 116.79 | 4192.71 | 59511.41 |
| 23 | 2027-05 | 4309.50 | 109.10 | 4200.39 | 55311.02 |
| 24 | 2027-06 | 4309.50 | 101.40 | 4208.09 | 51102.93 |
| 25 | 2027-07 | 4309.50 | 93.69 | 4215.81 | 46887.12 |
| 26 | 2027-08 | 4309.50 | 85.96 | 4223.54 | 42663.59 |
| 27 | 2027-09 | 4309.50 | 78.22 | 4231.28 | 38432.31 |
| 28 | 2027-10 | 4309.50 | 70.46 | 4239.04 | 34193.27 |
| 29 | 2027-11 | 4309.50 | 62.69 | 4246.81 | 29946.46 |
| 30 | 2027-12 | 4309.50 | 54.90 | 4254.59 | 25691.87 |
| 31 | 2028-01 | 4309.50 | 47.10 | 4262.39 | 21429.47 |
| 32 | 2028-02 | 4309.50 | 39.29 | 4270.21 | 17159.27 |
| 33 | 2028-03 | 4309.50 | 31.46 | 4278.04 | 12881.23 |
| 34 | 2028-04 | 4309.50 | 23.62 | 4285.88 | 8595.35 |
| 35 | 2028-05 | 4309.50 | 15.76 | 4293.74 | 4301.61 |
| 36 | 2028-06 | 4309.50 | 7.89 | 4301.61 | 0.00 |
等额本金还款方式：
贷款总额：15万
还款月数：3年
首月还款：4441.67元
每月递减：7.64元
利息总额：5087.5元
本息合计：15.51万
节省利息：54.35元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 4441.67 | 275.00 | 4166.67 | 145833.33 |
| 2 | 2025-08 | 4434.03 | 267.36 | 4166.67 | 141666.67 |
| 3 | 2025-09 | 4426.39 | 259.72 | 4166.67 | 137500.00 |
| 4 | 2025-10 | 4418.75 | 252.08 | 4166.67 | 133333.33 |
| 5 | 2025-11 | 4411.11 | 244.44 | 4166.67 | 129166.67 |
| 6 | 2025-12 | 4403.47 | 236.81 | 4166.67 | 125000.00 |
| 7 | 2026-01 | 4395.83 | 229.17 | 4166.67 | 120833.33 |
| 8 | 2026-02 | 4388.19 | 221.53 | 4166.67 | 116666.67 |
| 9 | 2026-03 | 4380.56 | 213.89 | 4166.67 | 112500.00 |
| 10 | 2026-04 | 4372.92 | 206.25 | 4166.67 | 108333.33 |
| 11 | 2026-05 | 4365.28 | 198.61 | 4166.67 | 104166.67 |
| 12 | 2026-06 | 4357.64 | 190.97 | 4166.67 | 100000.00 |
| 13 | 2026-07 | 4350.00 | 183.33 | 4166.67 | 95833.33 |
| 14 | 2026-08 | 4342.36 | 175.69 | 4166.67 | 91666.67 |
| 15 | 2026-09 | 4334.72 | 168.06 | 4166.67 | 87500.00 |
| 16 | 2026-10 | 4327.08 | 160.42 | 4166.67 | 83333.33 |
| 17 | 2026-11 | 4319.44 | 152.78 | 4166.67 | 79166.67 |
| 18 | 2026-12 | 4311.81 | 145.14 | 4166.67 | 75000.00 |
| 19 | 2027-01 | 4304.17 | 137.50 | 4166.67 | 70833.33 |
| 20 | 2027-02 | 4296.53 | 129.86 | 4166.67 | 66666.67 |
| 21 | 2027-03 | 4288.89 | 122.22 | 4166.67 | 62500.00 |
| 22 | 2027-04 | 4281.25 | 114.58 | 4166.67 | 58333.33 |
| 23 | 2027-05 | 4273.61 | 106.94 | 4166.67 | 54166.67 |
| 24 | 2027-06 | 4265.97 | 99.31 | 4166.67 | 50000.00 |
| 25 | 2027-07 | 4258.33 | 91.67 | 4166.67 | 45833.33 |
| 26 | 2027-08 | 4250.69 | 84.03 | 4166.67 | 41666.67 |
| 27 | 2027-09 | 4243.06 | 76.39 | 4166.67 | 37500.00 |
| 28 | 2027-10 | 4235.42 | 68.75 | 4166.67 | 33333.33 |
| 29 | 2027-11 | 4227.78 | 61.11 | 4166.67 | 29166.67 |
| 30 | 2027-12 | 4220.14 | 53.47 | 4166.67 | 25000.00 |
| 31 | 2028-01 | 4212.50 | 45.83 | 4166.67 | 20833.33 |
| 32 | 2028-02 | 4204.86 | 38.19 | 4166.67 | 16666.67 |
| 33 | 2028-03 | 4197.22 | 30.56 | 4166.67 | 12500.00 |
| 34 | 2028-04 | 4189.58 | 22.92 | 4166.67 | 8333.33 |
| 35 | 2028-05 | 4181.94 | 15.28 | 4166.67 | 4166.67 |
| 36 | 2028-06 | 4174.31 | 7.64 | 4166.67 | 0.00 |