贷款140万（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：140万
还款月数：3年
每月还款：40621.21元
利息总额：6.24万
本息合计：146.24万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 40621.21 | 3325.00 | 37296.21 | 1362703.79 |
| 2 | 2024-09 | 40621.21 | 3236.42 | 37384.79 | 1325319.00 |
| 3 | 2024-10 | 40621.21 | 3147.63 | 37473.58 | 1287845.42 |
| 4 | 2024-11 | 40621.21 | 3058.63 | 37562.58 | 1250282.84 |
| 5 | 2024-12 | 40621.21 | 2969.42 | 37651.79 | 1212631.05 |
| 6 | 2025-01 | 40621.21 | 2880.00 | 37741.21 | 1174889.84 |
| 7 | 2025-02 | 40621.21 | 2790.36 | 37830.85 | 1137058.99 |
| 8 | 2025-03 | 40621.21 | 2700.52 | 37920.70 | 1099138.30 |
| 9 | 2025-04 | 40621.21 | 2610.45 | 38010.76 | 1061127.54 |
| 10 | 2025-05 | 40621.21 | 2520.18 | 38101.03 | 1023026.51 |
| 11 | 2025-06 | 40621.21 | 2429.69 | 38191.52 | 984834.99 |
| 12 | 2025-07 | 40621.21 | 2338.98 | 38282.23 | 946552.76 |
| 13 | 2025-08 | 40621.21 | 2248.06 | 38373.15 | 908179.61 |
| 14 | 2025-09 | 40621.21 | 2156.93 | 38464.28 | 869715.33 |
| 15 | 2025-10 | 40621.21 | 2065.57 | 38555.64 | 831159.69 |
| 16 | 2025-11 | 40621.21 | 1974.00 | 38647.21 | 792512.48 |
| 17 | 2025-12 | 40621.21 | 1882.22 | 38738.99 | 753773.49 |
| 18 | 2026-01 | 40621.21 | 1790.21 | 38831.00 | 714942.49 |
| 19 | 2026-02 | 40621.21 | 1697.99 | 38923.22 | 676019.27 |
| 20 | 2026-03 | 40621.21 | 1605.55 | 39015.67 | 637003.60 |
| 21 | 2026-04 | 40621.21 | 1512.88 | 39108.33 | 597895.28 |
| 22 | 2026-05 | 40621.21 | 1420.00 | 39201.21 | 558694.07 |
| 23 | 2026-06 | 40621.21 | 1326.90 | 39294.31 | 519399.75 |
| 24 | 2026-07 | 40621.21 | 1233.57 | 39387.64 | 480012.12 |
| 25 | 2026-08 | 40621.21 | 1140.03 | 39481.18 | 440530.93 |
| 26 | 2026-09 | 40621.21 | 1046.26 | 39574.95 | 400955.98 |
| 27 | 2026-10 | 40621.21 | 952.27 | 39668.94 | 361287.04 |
| 28 | 2026-11 | 40621.21 | 858.06 | 39763.15 | 321523.89 |
| 29 | 2026-12 | 40621.21 | 763.62 | 39857.59 | 281666.30 |
| 30 | 2027-01 | 40621.21 | 668.96 | 39952.25 | 241714.05 |
| 31 | 2027-02 | 40621.21 | 574.07 | 40047.14 | 201666.91 |
| 32 | 2027-03 | 40621.21 | 478.96 | 40142.25 | 161524.65 |
| 33 | 2027-04 | 40621.21 | 383.62 | 40237.59 | 121287.06 |
| 34 | 2027-05 | 40621.21 | 288.06 | 40333.15 | 80953.91 |
| 35 | 2027-06 | 40621.21 | 192.27 | 40428.95 | 40524.96 |
| 36 | 2027-07 | 40621.21 | 96.25 | 40524.96 | 0.00 |
等额本金还款方式：
贷款总额：140万
还款月数：3年
首月还款：42213.89元
每月递减：92.36元
利息总额：6.15万
本息合计：146.15万
节省利息：851.09元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 42213.89 | 3325.00 | 38888.89 | 1361111.11 |
| 2 | 2024-09 | 42121.53 | 3232.64 | 38888.89 | 1322222.22 |
| 3 | 2024-10 | 42029.17 | 3140.28 | 38888.89 | 1283333.33 |
| 4 | 2024-11 | 41936.81 | 3047.92 | 38888.89 | 1244444.44 |
| 5 | 2024-12 | 41844.44 | 2955.56 | 38888.89 | 1205555.56 |
| 6 | 2025-01 | 41752.08 | 2863.19 | 38888.89 | 1166666.67 |
| 7 | 2025-02 | 41659.72 | 2770.83 | 38888.89 | 1127777.78 |
| 8 | 2025-03 | 41567.36 | 2678.47 | 38888.89 | 1088888.89 |
| 9 | 2025-04 | 41475.00 | 2586.11 | 38888.89 | 1050000.00 |
| 10 | 2025-05 | 41382.64 | 2493.75 | 38888.89 | 1011111.11 |
| 11 | 2025-06 | 41290.28 | 2401.39 | 38888.89 | 972222.22 |
| 12 | 2025-07 | 41197.92 | 2309.03 | 38888.89 | 933333.33 |
| 13 | 2025-08 | 41105.56 | 2216.67 | 38888.89 | 894444.44 |
| 14 | 2025-09 | 41013.19 | 2124.31 | 38888.89 | 855555.56 |
| 15 | 2025-10 | 40920.83 | 2031.94 | 38888.89 | 816666.67 |
| 16 | 2025-11 | 40828.47 | 1939.58 | 38888.89 | 777777.78 |
| 17 | 2025-12 | 40736.11 | 1847.22 | 38888.89 | 738888.89 |
| 18 | 2026-01 | 40643.75 | 1754.86 | 38888.89 | 700000.00 |
| 19 | 2026-02 | 40551.39 | 1662.50 | 38888.89 | 661111.11 |
| 20 | 2026-03 | 40459.03 | 1570.14 | 38888.89 | 622222.22 |
| 21 | 2026-04 | 40366.67 | 1477.78 | 38888.89 | 583333.33 |
| 22 | 2026-05 | 40274.31 | 1385.42 | 38888.89 | 544444.44 |
| 23 | 2026-06 | 40181.94 | 1293.06 | 38888.89 | 505555.56 |
| 24 | 2026-07 | 40089.58 | 1200.69 | 38888.89 | 466666.67 |
| 25 | 2026-08 | 39997.22 | 1108.33 | 38888.89 | 427777.78 |
| 26 | 2026-09 | 39904.86 | 1015.97 | 38888.89 | 388888.89 |
| 27 | 2026-10 | 39812.50 | 923.61 | 38888.89 | 350000.00 |
| 28 | 2026-11 | 39720.14 | 831.25 | 38888.89 | 311111.11 |
| 29 | 2026-12 | 39627.78 | 738.89 | 38888.89 | 272222.22 |
| 30 | 2027-01 | 39535.42 | 646.53 | 38888.89 | 233333.33 |
| 31 | 2027-02 | 39443.06 | 554.17 | 38888.89 | 194444.44 |
| 32 | 2027-03 | 39350.69 | 461.81 | 38888.89 | 155555.56 |
| 33 | 2027-04 | 39258.33 | 369.44 | 38888.89 | 116666.67 |
| 34 | 2027-05 | 39165.97 | 277.08 | 38888.89 | 77777.78 |
| 35 | 2027-06 | 39073.61 | 184.72 | 38888.89 | 38888.89 |
| 36 | 2027-07 | 38981.25 | 92.36 | 38888.89 | 0.00 |