贷款15.54万（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：15.54万
还款月数：3年
每月还款：4457.19元
利息总额：5081.65元
本息合计：16.05万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 4457.19 | 271.91 | 4185.28 | 151192.08 |
| 2 | 2025-12 | 4457.19 | 264.59 | 4192.61 | 146999.47 |
| 3 | 2026-01 | 4457.19 | 257.25 | 4199.95 | 142799.52 |
| 4 | 2026-02 | 4457.19 | 249.90 | 4207.30 | 138592.23 |
| 5 | 2026-03 | 4457.19 | 242.54 | 4214.66 | 134377.57 |
| 6 | 2026-04 | 4457.19 | 235.16 | 4222.03 | 130155.53 |
| 7 | 2026-05 | 4457.19 | 227.77 | 4229.42 | 125926.11 |
| 8 | 2026-06 | 4457.19 | 220.37 | 4236.82 | 121689.29 |
| 9 | 2026-07 | 4457.19 | 212.96 | 4244.24 | 117445.05 |
| 10 | 2026-08 | 4457.19 | 205.53 | 4251.67 | 113193.38 |
| 11 | 2026-09 | 4457.19 | 198.09 | 4259.11 | 108934.28 |
| 12 | 2026-10 | 4457.19 | 190.63 | 4266.56 | 104667.72 |
| 13 | 2026-11 | 4457.19 | 183.17 | 4274.03 | 100393.69 |
| 14 | 2026-12 | 4457.19 | 175.69 | 4281.51 | 96112.19 |
| 15 | 2027-01 | 4457.19 | 168.20 | 4289.00 | 91823.19 |
| 16 | 2027-02 | 4457.19 | 160.69 | 4296.50 | 87526.68 |
| 17 | 2027-03 | 4457.19 | 153.17 | 4304.02 | 83222.66 |
| 18 | 2027-04 | 4457.19 | 145.64 | 4311.55 | 78911.11 |
| 19 | 2027-05 | 4457.19 | 138.09 | 4319.10 | 74592.01 |
| 20 | 2027-06 | 4457.19 | 130.54 | 4326.66 | 70265.35 |
| 21 | 2027-07 | 4457.19 | 122.96 | 4334.23 | 65931.12 |
| 22 | 2027-08 | 4457.19 | 115.38 | 4341.82 | 61589.30 |
| 23 | 2027-09 | 4457.19 | 107.78 | 4349.41 | 57239.89 |
| 24 | 2027-10 | 4457.19 | 100.17 | 4357.02 | 52882.86 |
| 25 | 2027-11 | 4457.19 | 92.55 | 4364.65 | 48518.21 |
| 26 | 2027-12 | 4457.19 | 84.91 | 4372.29 | 44145.93 |
| 27 | 2028-01 | 4457.19 | 77.26 | 4379.94 | 39765.99 |
| 28 | 2028-02 | 4457.19 | 69.59 | 4387.60 | 35378.38 |
| 29 | 2028-03 | 4457.19 | 61.91 | 4395.28 | 30983.10 |
| 30 | 2028-04 | 4457.19 | 54.22 | 4402.97 | 26580.13 |
| 31 | 2028-05 | 4457.19 | 46.52 | 4410.68 | 22169.45 |
| 32 | 2028-06 | 4457.19 | 38.80 | 4418.40 | 17751.05 |
| 33 | 2028-07 | 4457.19 | 31.06 | 4426.13 | 13324.92 |
| 34 | 2028-08 | 4457.19 | 23.32 | 4433.88 | 8891.04 |
| 35 | 2028-09 | 4457.19 | 15.56 | 4441.64 | 4449.41 |
| 36 | 2028-10 | 4457.19 | 7.79 | 4449.41 | 0.00 |
等额本金还款方式：
贷款总额：15.54万
还款月数：3年
首月还款：4587.95元
每月递减：7.55元
利息总额：5030.34元
本息合计：16.04万
节省利息：51.3元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 4587.95 | 271.91 | 4316.04 | 151061.32 |
| 2 | 2025-12 | 4580.40 | 264.36 | 4316.04 | 146745.28 |
| 3 | 2026-01 | 4572.84 | 256.80 | 4316.04 | 142429.25 |
| 4 | 2026-02 | 4565.29 | 249.25 | 4316.04 | 138113.21 |
| 5 | 2026-03 | 4557.74 | 241.70 | 4316.04 | 133797.17 |
| 6 | 2026-04 | 4550.18 | 234.15 | 4316.04 | 129481.13 |
| 7 | 2026-05 | 4542.63 | 226.59 | 4316.04 | 125165.10 |
| 8 | 2026-06 | 4535.08 | 219.04 | 4316.04 | 120849.06 |
| 9 | 2026-07 | 4527.52 | 211.49 | 4316.04 | 116533.02 |
| 10 | 2026-08 | 4519.97 | 203.93 | 4316.04 | 112216.98 |
| 11 | 2026-09 | 4512.42 | 196.38 | 4316.04 | 107900.94 |
| 12 | 2026-10 | 4504.86 | 188.83 | 4316.04 | 103584.91 |
| 13 | 2026-11 | 4497.31 | 181.27 | 4316.04 | 99268.87 |
| 14 | 2026-12 | 4489.76 | 173.72 | 4316.04 | 94952.83 |
| 15 | 2027-01 | 4482.21 | 166.17 | 4316.04 | 90636.79 |
| 16 | 2027-02 | 4474.65 | 158.61 | 4316.04 | 86320.76 |
| 17 | 2027-03 | 4467.10 | 151.06 | 4316.04 | 82004.72 |
| 18 | 2027-04 | 4459.55 | 143.51 | 4316.04 | 77688.68 |
| 19 | 2027-05 | 4451.99 | 135.96 | 4316.04 | 73372.64 |
| 20 | 2027-06 | 4444.44 | 128.40 | 4316.04 | 69056.60 |
| 21 | 2027-07 | 4436.89 | 120.85 | 4316.04 | 64740.57 |
| 22 | 2027-08 | 4429.33 | 113.30 | 4316.04 | 60424.53 |
| 23 | 2027-09 | 4421.78 | 105.74 | 4316.04 | 56108.49 |
| 24 | 2027-10 | 4414.23 | 98.19 | 4316.04 | 51792.45 |
| 25 | 2027-11 | 4406.67 | 90.64 | 4316.04 | 47476.42 |
| 26 | 2027-12 | 4399.12 | 83.08 | 4316.04 | 43160.38 |
| 27 | 2028-01 | 4391.57 | 75.53 | 4316.04 | 38844.34 |
| 28 | 2028-02 | 4384.02 | 67.98 | 4316.04 | 34528.30 |
| 29 | 2028-03 | 4376.46 | 60.42 | 4316.04 | 30212.26 |
| 30 | 2028-04 | 4368.91 | 52.87 | 4316.04 | 25896.23 |
| 31 | 2028-05 | 4361.36 | 45.32 | 4316.04 | 21580.19 |
| 32 | 2028-06 | 4353.80 | 37.77 | 4316.04 | 17264.15 |
| 33 | 2028-07 | 4346.25 | 30.21 | 4316.04 | 12948.11 |
| 34 | 2028-08 | 4338.70 | 22.66 | 4316.04 | 8632.08 |
| 35 | 2028-09 | 4331.14 | 15.11 | 4316.04 | 4316.04 |
| 36 | 2028-10 | 4323.59 | 7.55 | 4316.04 | 0.00 |