宁波贷款36.43万（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：36.43万
还款月数：3年
每月还款：10451.68元
利息总额：1.19万
本息合计：37.63万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 10451.68 | 637.60 | 9814.08 | 354530.43 |
| 2 | 2026-02 | 10451.68 | 620.43 | 9831.25 | 344699.18 |
| 3 | 2026-03 | 10451.68 | 603.22 | 9848.46 | 334850.73 |
| 4 | 2026-04 | 10451.68 | 585.99 | 9865.69 | 324985.04 |
| 5 | 2026-05 | 10451.68 | 568.72 | 9882.96 | 315102.08 |
| 6 | 2026-06 | 10451.68 | 551.43 | 9900.25 | 305201.83 |
| 7 | 2026-07 | 10451.68 | 534.10 | 9917.58 | 295284.25 |
| 8 | 2026-08 | 10451.68 | 516.75 | 9934.93 | 285349.32 |
| 9 | 2026-09 | 10451.68 | 499.36 | 9952.32 | 275397.00 |
| 10 | 2026-10 | 10451.68 | 481.94 | 9969.73 | 265427.27 |
| 11 | 2026-11 | 10451.68 | 464.50 | 9987.18 | 255440.09 |
| 12 | 2026-12 | 10451.68 | 447.02 | 10004.66 | 245435.43 |
| 13 | 2027-01 | 10451.68 | 429.51 | 10022.17 | 235413.26 |
| 14 | 2027-02 | 10451.68 | 411.97 | 10039.71 | 225373.55 |
| 15 | 2027-03 | 10451.68 | 394.40 | 10057.28 | 215316.28 |
| 16 | 2027-04 | 10451.68 | 376.80 | 10074.88 | 205241.40 |
| 17 | 2027-05 | 10451.68 | 359.17 | 10092.51 | 195148.89 |
| 18 | 2027-06 | 10451.68 | 341.51 | 10110.17 | 185038.72 |
| 19 | 2027-07 | 10451.68 | 323.82 | 10127.86 | 174910.86 |
| 20 | 2027-08 | 10451.68 | 306.09 | 10145.59 | 164765.28 |
| 21 | 2027-09 | 10451.68 | 288.34 | 10163.34 | 154601.94 |
| 22 | 2027-10 | 10451.68 | 270.55 | 10181.13 | 144420.81 |
| 23 | 2027-11 | 10451.68 | 252.74 | 10198.94 | 134221.87 |
| 24 | 2027-12 | 10451.68 | 234.89 | 10216.79 | 124005.08 |
| 25 | 2028-01 | 10451.68 | 217.01 | 10234.67 | 113770.40 |
| 26 | 2028-02 | 10451.68 | 199.10 | 10252.58 | 103517.82 |
| 27 | 2028-03 | 10451.68 | 181.16 | 10270.52 | 93247.30 |
| 28 | 2028-04 | 10451.68 | 163.18 | 10288.50 | 82958.80 |
| 29 | 2028-05 | 10451.68 | 145.18 | 10306.50 | 72652.30 |
| 30 | 2028-06 | 10451.68 | 127.14 | 10324.54 | 62327.76 |
| 31 | 2028-07 | 10451.68 | 109.07 | 10342.61 | 51985.16 |
| 32 | 2028-08 | 10451.68 | 90.97 | 10360.71 | 41624.45 |
| 33 | 2028-09 | 10451.68 | 72.84 | 10378.84 | 31245.62 |
| 34 | 2028-10 | 10451.68 | 54.68 | 10397.00 | 20848.62 |
| 35 | 2028-11 | 10451.68 | 36.49 | 10415.19 | 10433.42 |
| 36 | 2028-12 | 10451.68 | 18.26 | 10433.42 | 0.00 |
等额本金还款方式：
贷款总额：36.43万
还款月数：3年
首月还款：10758.28元
每月递减：17.71元
利息总额：1.18万
本息合计：37.61万
节省利息：120.3元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 10758.28 | 637.60 | 10120.68 | 354223.83 |
| 2 | 2026-02 | 10740.57 | 619.89 | 10120.68 | 344103.15 |
| 3 | 2026-03 | 10722.86 | 602.18 | 10120.68 | 333982.47 |
| 4 | 2026-04 | 10705.15 | 584.47 | 10120.68 | 323861.79 |
| 5 | 2026-05 | 10687.44 | 566.76 | 10120.68 | 313741.11 |
| 6 | 2026-06 | 10669.73 | 549.05 | 10120.68 | 303620.42 |
| 7 | 2026-07 | 10652.02 | 531.34 | 10120.68 | 293499.74 |
| 8 | 2026-08 | 10634.31 | 513.62 | 10120.68 | 283379.06 |
| 9 | 2026-09 | 10616.59 | 495.91 | 10120.68 | 273258.38 |
| 10 | 2026-10 | 10598.88 | 478.20 | 10120.68 | 263137.70 |
| 11 | 2026-11 | 10581.17 | 460.49 | 10120.68 | 253017.02 |
| 12 | 2026-12 | 10563.46 | 442.78 | 10120.68 | 242896.34 |
| 13 | 2027-01 | 10545.75 | 425.07 | 10120.68 | 232775.66 |
| 14 | 2027-02 | 10528.04 | 407.36 | 10120.68 | 222654.98 |
| 15 | 2027-03 | 10510.33 | 389.65 | 10120.68 | 212534.30 |
| 16 | 2027-04 | 10492.62 | 371.94 | 10120.68 | 202413.62 |
| 17 | 2027-05 | 10474.90 | 354.22 | 10120.68 | 192292.94 |
| 18 | 2027-06 | 10457.19 | 336.51 | 10120.68 | 182172.26 |
| 19 | 2027-07 | 10439.48 | 318.80 | 10120.68 | 172051.57 |
| 20 | 2027-08 | 10421.77 | 301.09 | 10120.68 | 161930.89 |
| 21 | 2027-09 | 10404.06 | 283.38 | 10120.68 | 151810.21 |
| 22 | 2027-10 | 10386.35 | 265.67 | 10120.68 | 141689.53 |
| 23 | 2027-11 | 10368.64 | 247.96 | 10120.68 | 131568.85 |
| 24 | 2027-12 | 10350.93 | 230.25 | 10120.68 | 121448.17 |
| 25 | 2028-01 | 10333.22 | 212.53 | 10120.68 | 111327.49 |
| 26 | 2028-02 | 10315.50 | 194.82 | 10120.68 | 101206.81 |
| 27 | 2028-03 | 10297.79 | 177.11 | 10120.68 | 91086.13 |
| 28 | 2028-04 | 10280.08 | 159.40 | 10120.68 | 80965.45 |
| 29 | 2028-05 | 10262.37 | 141.69 | 10120.68 | 70844.77 |
| 30 | 2028-06 | 10244.66 | 123.98 | 10120.68 | 60724.09 |
| 31 | 2028-07 | 10226.95 | 106.27 | 10120.68 | 50603.40 |
| 32 | 2028-08 | 10209.24 | 88.56 | 10120.68 | 40482.72 |
| 33 | 2028-09 | 10191.53 | 70.84 | 10120.68 | 30362.04 |
| 34 | 2028-10 | 10173.81 | 53.13 | 10120.68 | 20241.36 |
| 35 | 2028-11 | 10156.10 | 35.42 | 10120.68 | 10120.68 |
| 36 | 2028-12 | 10138.39 | 17.71 | 10120.68 | 0.00 |