广州贷款63万（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：63万
还款月数：3年
每月还款：18390.65元
利息总额：3.21万
本息合计：66.21万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 18390.65 | 1706.25 | 16684.40 | 613315.60 |
| 2 | 2025-09 | 18390.65 | 1661.06 | 16729.59 | 596586.00 |
| 3 | 2025-10 | 18390.65 | 1615.75 | 16774.90 | 579811.10 |
| 4 | 2025-11 | 18390.65 | 1570.32 | 16820.33 | 562990.77 |
| 5 | 2025-12 | 18390.65 | 1524.77 | 16865.89 | 546124.88 |
| 6 | 2026-01 | 18390.65 | 1479.09 | 16911.57 | 529213.32 |
| 7 | 2026-02 | 18390.65 | 1433.29 | 16957.37 | 512255.95 |
| 8 | 2026-03 | 18390.65 | 1387.36 | 17003.29 | 495252.65 |
| 9 | 2026-04 | 18390.65 | 1341.31 | 17049.35 | 478203.31 |
| 10 | 2026-05 | 18390.65 | 1295.13 | 17095.52 | 461107.79 |
| 11 | 2026-06 | 18390.65 | 1248.83 | 17141.82 | 443965.97 |
| 12 | 2026-07 | 18390.65 | 1202.41 | 17188.25 | 426777.72 |
| 13 | 2026-08 | 18390.65 | 1155.86 | 17234.80 | 409542.92 |
| 14 | 2026-09 | 18390.65 | 1109.18 | 17281.48 | 392261.44 |
| 15 | 2026-10 | 18390.65 | 1062.37 | 17328.28 | 374933.16 |
| 16 | 2026-11 | 18390.65 | 1015.44 | 17375.21 | 357557.95 |
| 17 | 2026-12 | 18390.65 | 968.39 | 17422.27 | 340135.69 |
| 18 | 2027-01 | 18390.65 | 921.20 | 17469.45 | 322666.23 |
| 19 | 2027-02 | 18390.65 | 873.89 | 17516.77 | 305149.47 |
| 20 | 2027-03 | 18390.65 | 826.45 | 17564.21 | 287585.26 |
| 21 | 2027-04 | 18390.65 | 778.88 | 17611.78 | 269973.48 |
| 22 | 2027-05 | 18390.65 | 731.18 | 17659.48 | 252314.00 |
| 23 | 2027-06 | 18390.65 | 683.35 | 17707.30 | 234606.70 |
| 24 | 2027-07 | 18390.65 | 635.39 | 17755.26 | 216851.44 |
| 25 | 2027-08 | 18390.65 | 587.31 | 17803.35 | 199048.09 |
| 26 | 2027-09 | 18390.65 | 539.09 | 17851.57 | 181196.52 |
| 27 | 2027-10 | 18390.65 | 490.74 | 17899.91 | 163296.61 |
| 28 | 2027-11 | 18390.65 | 442.26 | 17948.39 | 145348.22 |
| 29 | 2027-12 | 18390.65 | 393.65 | 17997.00 | 127351.21 |
| 30 | 2028-01 | 18390.65 | 344.91 | 18045.75 | 109305.47 |
| 31 | 2028-02 | 18390.65 | 296.04 | 18094.62 | 91210.85 |
| 32 | 2028-03 | 18390.65 | 247.03 | 18143.63 | 73067.22 |
| 33 | 2028-04 | 18390.65 | 197.89 | 18192.76 | 54874.46 |
| 34 | 2028-05 | 18390.65 | 148.62 | 18242.04 | 36632.42 |
| 35 | 2028-06 | 18390.65 | 99.21 | 18291.44 | 18340.98 |
| 36 | 2028-07 | 18390.65 | 49.67 | 18340.98 | 0.00 |
等额本金还款方式：
贷款总额：63万
还款月数：3年
首月还款：19206.25元
每月递减：47.4元
利息总额：3.16万
本息合计：66.16万
节省利息：497.94元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 19206.25 | 1706.25 | 17500.00 | 612500.00 |
| 2 | 2025-09 | 19158.85 | 1658.85 | 17500.00 | 595000.00 |
| 3 | 2025-10 | 19111.46 | 1611.46 | 17500.00 | 577500.00 |
| 4 | 2025-11 | 19064.06 | 1564.06 | 17500.00 | 560000.00 |
| 5 | 2025-12 | 19016.67 | 1516.67 | 17500.00 | 542500.00 |
| 6 | 2026-01 | 18969.27 | 1469.27 | 17500.00 | 525000.00 |
| 7 | 2026-02 | 18921.88 | 1421.88 | 17500.00 | 507500.00 |
| 8 | 2026-03 | 18874.48 | 1374.48 | 17500.00 | 490000.00 |
| 9 | 2026-04 | 18827.08 | 1327.08 | 17500.00 | 472500.00 |
| 10 | 2026-05 | 18779.69 | 1279.69 | 17500.00 | 455000.00 |
| 11 | 2026-06 | 18732.29 | 1232.29 | 17500.00 | 437500.00 |
| 12 | 2026-07 | 18684.90 | 1184.90 | 17500.00 | 420000.00 |
| 13 | 2026-08 | 18637.50 | 1137.50 | 17500.00 | 402500.00 |
| 14 | 2026-09 | 18590.10 | 1090.10 | 17500.00 | 385000.00 |
| 15 | 2026-10 | 18542.71 | 1042.71 | 17500.00 | 367500.00 |
| 16 | 2026-11 | 18495.31 | 995.31 | 17500.00 | 350000.00 |
| 17 | 2026-12 | 18447.92 | 947.92 | 17500.00 | 332500.00 |
| 18 | 2027-01 | 18400.52 | 900.52 | 17500.00 | 315000.00 |
| 19 | 2027-02 | 18353.13 | 853.13 | 17500.00 | 297500.00 |
| 20 | 2027-03 | 18305.73 | 805.73 | 17500.00 | 280000.00 |
| 21 | 2027-04 | 18258.33 | 758.33 | 17500.00 | 262500.00 |
| 22 | 2027-05 | 18210.94 | 710.94 | 17500.00 | 245000.00 |
| 23 | 2027-06 | 18163.54 | 663.54 | 17500.00 | 227500.00 |
| 24 | 2027-07 | 18116.15 | 616.15 | 17500.00 | 210000.00 |
| 25 | 2027-08 | 18068.75 | 568.75 | 17500.00 | 192500.00 |
| 26 | 2027-09 | 18021.35 | 521.35 | 17500.00 | 175000.00 |
| 27 | 2027-10 | 17973.96 | 473.96 | 17500.00 | 157500.00 |
| 28 | 2027-11 | 17926.56 | 426.56 | 17500.00 | 140000.00 |
| 29 | 2027-12 | 17879.17 | 379.17 | 17500.00 | 122500.00 |
| 30 | 2028-01 | 17831.77 | 331.77 | 17500.00 | 105000.00 |
| 31 | 2028-02 | 17784.38 | 284.38 | 17500.00 | 87500.00 |
| 32 | 2028-03 | 17736.98 | 236.98 | 17500.00 | 70000.00 |
| 33 | 2028-04 | 17689.58 | 189.58 | 17500.00 | 52500.00 |
| 34 | 2028-05 | 17642.19 | 142.19 | 17500.00 | 35000.00 |
| 35 | 2028-06 | 17594.79 | 94.79 | 17500.00 | 17500.00 |
| 36 | 2028-07 | 17547.40 | 47.40 | 17500.00 | 0.00 |