南京贷款150万（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：150万
还款月数：3年
每月还款：44019.57元
利息总额：8.47万
本息合计：158.47万
| 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 | 44019.57 | 4500.00 | 39519.57 | 1460480.43 |
| 2 | 2025-12 | 44019.57 | 4381.44 | 39638.13 | 1420842.31 |
| 3 | 2026-01 | 44019.57 | 4262.53 | 39757.04 | 1381085.27 |
| 4 | 2026-02 | 44019.57 | 4143.26 | 39876.31 | 1341208.96 |
| 5 | 2026-03 | 44019.57 | 4023.63 | 39995.94 | 1301213.02 |
| 6 | 2026-04 | 44019.57 | 3903.64 | 40115.93 | 1261097.09 |
| 7 | 2026-05 | 44019.57 | 3783.29 | 40236.28 | 1220860.81 |
| 8 | 2026-06 | 44019.57 | 3662.58 | 40356.98 | 1180503.83 |
| 9 | 2026-07 | 44019.57 | 3541.51 | 40478.06 | 1140025.77 |
| 10 | 2026-08 | 44019.57 | 3420.08 | 40599.49 | 1099426.28 |
| 11 | 2026-09 | 44019.57 | 3298.28 | 40721.29 | 1058704.99 |
| 12 | 2026-10 | 44019.57 | 3176.11 | 40843.45 | 1017861.54 |
| 13 | 2026-11 | 44019.57 | 3053.58 | 40965.98 | 976895.56 |
| 14 | 2026-12 | 44019.57 | 2930.69 | 41088.88 | 935806.68 |
| 15 | 2027-01 | 44019.57 | 2807.42 | 41212.15 | 894594.53 |
| 16 | 2027-02 | 44019.57 | 2683.78 | 41335.78 | 853258.75 |
| 17 | 2027-03 | 44019.57 | 2559.78 | 41459.79 | 811798.96 |
| 18 | 2027-04 | 44019.57 | 2435.40 | 41584.17 | 770214.79 |
| 19 | 2027-05 | 44019.57 | 2310.64 | 41708.92 | 728505.87 |
| 20 | 2027-06 | 44019.57 | 2185.52 | 41834.05 | 686671.82 |
| 21 | 2027-07 | 44019.57 | 2060.02 | 41959.55 | 644712.26 |
| 22 | 2027-08 | 44019.57 | 1934.14 | 42085.43 | 602626.83 |
| 23 | 2027-09 | 44019.57 | 1807.88 | 42211.69 | 560415.15 |
| 24 | 2027-10 | 44019.57 | 1681.25 | 42338.32 | 518076.83 |
| 25 | 2027-11 | 44019.57 | 1554.23 | 42465.34 | 475611.49 |
| 26 | 2027-12 | 44019.57 | 1426.83 | 42592.73 | 433018.76 |
| 27 | 2028-01 | 44019.57 | 1299.06 | 42720.51 | 390298.25 |
| 28 | 2028-02 | 44019.57 | 1170.89 | 42848.67 | 347449.57 |
| 29 | 2028-03 | 44019.57 | 1042.35 | 42977.22 | 304472.36 |
| 30 | 2028-04 | 44019.57 | 913.42 | 43106.15 | 261366.21 |
| 31 | 2028-05 | 44019.57 | 784.10 | 43235.47 | 218130.74 |
| 32 | 2028-06 | 44019.57 | 654.39 | 43365.17 | 174765.56 |
| 33 | 2028-07 | 44019.57 | 524.30 | 43495.27 | 131270.29 |
| 34 | 2028-08 | 44019.57 | 393.81 | 43625.76 | 87644.54 |
| 35 | 2028-09 | 44019.57 | 262.93 | 43756.63 | 43887.90 |
| 36 | 2028-10 | 44019.57 | 131.66 | 43887.90 | 0.00 |
等额本金还款方式：
贷款总额：150万
还款月数：3年
首月还款：46166.67元
每月递减：125元
利息总额：8.33万
本息合计：158.33万
节省利息：1454.41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 | 46166.67 | 4500.00 | 41666.67 | 1458333.33 |
| 2 | 2025-12 | 46041.67 | 4375.00 | 41666.67 | 1416666.67 |
| 3 | 2026-01 | 45916.67 | 4250.00 | 41666.67 | 1375000.00 |
| 4 | 2026-02 | 45791.67 | 4125.00 | 41666.67 | 1333333.33 |
| 5 | 2026-03 | 45666.67 | 4000.00 | 41666.67 | 1291666.67 |
| 6 | 2026-04 | 45541.67 | 3875.00 | 41666.67 | 1250000.00 |
| 7 | 2026-05 | 45416.67 | 3750.00 | 41666.67 | 1208333.33 |
| 8 | 2026-06 | 45291.67 | 3625.00 | 41666.67 | 1166666.67 |
| 9 | 2026-07 | 45166.67 | 3500.00 | 41666.67 | 1125000.00 |
| 10 | 2026-08 | 45041.67 | 3375.00 | 41666.67 | 1083333.33 |
| 11 | 2026-09 | 44916.67 | 3250.00 | 41666.67 | 1041666.67 |
| 12 | 2026-10 | 44791.67 | 3125.00 | 41666.67 | 1000000.00 |
| 13 | 2026-11 | 44666.67 | 3000.00 | 41666.67 | 958333.33 |
| 14 | 2026-12 | 44541.67 | 2875.00 | 41666.67 | 916666.67 |
| 15 | 2027-01 | 44416.67 | 2750.00 | 41666.67 | 875000.00 |
| 16 | 2027-02 | 44291.67 | 2625.00 | 41666.67 | 833333.33 |
| 17 | 2027-03 | 44166.67 | 2500.00 | 41666.67 | 791666.67 |
| 18 | 2027-04 | 44041.67 | 2375.00 | 41666.67 | 750000.00 |
| 19 | 2027-05 | 43916.67 | 2250.00 | 41666.67 | 708333.33 |
| 20 | 2027-06 | 43791.67 | 2125.00 | 41666.67 | 666666.67 |
| 21 | 2027-07 | 43666.67 | 2000.00 | 41666.67 | 625000.00 |
| 22 | 2027-08 | 43541.67 | 1875.00 | 41666.67 | 583333.33 |
| 23 | 2027-09 | 43416.67 | 1750.00 | 41666.67 | 541666.67 |
| 24 | 2027-10 | 43291.67 | 1625.00 | 41666.67 | 500000.00 |
| 25 | 2027-11 | 43166.67 | 1500.00 | 41666.67 | 458333.33 |
| 26 | 2027-12 | 43041.67 | 1375.00 | 41666.67 | 416666.67 |
| 27 | 2028-01 | 42916.67 | 1250.00 | 41666.67 | 375000.00 |
| 28 | 2028-02 | 42791.67 | 1125.00 | 41666.67 | 333333.33 |
| 29 | 2028-03 | 42666.67 | 1000.00 | 41666.67 | 291666.67 |
| 30 | 2028-04 | 42541.67 | 875.00 | 41666.67 | 250000.00 |
| 31 | 2028-05 | 42416.67 | 750.00 | 41666.67 | 208333.33 |
| 32 | 2028-06 | 42291.67 | 625.00 | 41666.67 | 166666.67 |
| 33 | 2028-07 | 42166.67 | 500.00 | 41666.67 | 125000.00 |
| 34 | 2028-08 | 42041.67 | 375.00 | 41666.67 | 83333.33 |
| 35 | 2028-09 | 41916.67 | 250.00 | 41666.67 | 41666.67 |
| 36 | 2028-10 | 41791.67 | 125.00 | 41666.67 | 0.00 |