贷款3万（公积金贷款）房贷，还款4年1个月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：3万
还款月数：4年1个月
每月还款：654.33元
利息总额：2062.15元
本息合计：3.21万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 654.33 | 80.75 | 573.58 | 29426.42 |
| 2 | 2024-09 | 654.33 | 79.21 | 575.12 | 28851.30 |
| 3 | 2024-10 | 654.33 | 77.66 | 576.67 | 28274.63 |
| 4 | 2024-11 | 654.33 | 76.11 | 578.22 | 27696.40 |
| 5 | 2024-12 | 654.33 | 74.55 | 579.78 | 27116.62 |
| 6 | 2025-01 | 654.33 | 72.99 | 581.34 | 26535.28 |
| 7 | 2025-02 | 654.33 | 71.42 | 582.91 | 25952.38 |
| 8 | 2025-03 | 654.33 | 69.86 | 584.47 | 25367.90 |
| 9 | 2025-04 | 654.33 | 68.28 | 586.05 | 24781.85 |
| 10 | 2025-05 | 654.33 | 66.70 | 587.63 | 24194.23 |
| 11 | 2025-06 | 654.33 | 65.12 | 589.21 | 23605.02 |
| 12 | 2025-07 | 654.33 | 63.54 | 590.79 | 23014.23 |
| 13 | 2025-08 | 654.33 | 61.95 | 592.38 | 22421.85 |
| 14 | 2025-09 | 654.33 | 60.35 | 593.98 | 21827.87 |
| 15 | 2025-10 | 654.33 | 58.75 | 595.58 | 21232.29 |
| 16 | 2025-11 | 654.33 | 57.15 | 597.18 | 20635.11 |
| 17 | 2025-12 | 654.33 | 55.54 | 598.79 | 20036.33 |
| 18 | 2026-01 | 654.33 | 53.93 | 600.40 | 19435.93 |
| 19 | 2026-02 | 654.33 | 52.32 | 602.01 | 18833.91 |
| 20 | 2026-03 | 654.33 | 50.69 | 603.63 | 18230.28 |
| 21 | 2026-04 | 654.33 | 49.07 | 605.26 | 17625.02 |
| 22 | 2026-05 | 654.33 | 47.44 | 606.89 | 17018.13 |
| 23 | 2026-06 | 654.33 | 45.81 | 608.52 | 16409.61 |
| 24 | 2026-07 | 654.33 | 44.17 | 610.16 | 15799.45 |
| 25 | 2026-08 | 654.33 | 42.53 | 611.80 | 15187.64 |
| 26 | 2026-09 | 654.33 | 40.88 | 613.45 | 14574.19 |
| 27 | 2026-10 | 654.33 | 39.23 | 615.10 | 13959.09 |
| 28 | 2026-11 | 654.33 | 37.57 | 616.76 | 13342.34 |
| 29 | 2026-12 | 654.33 | 35.91 | 618.42 | 12723.92 |
| 30 | 2027-01 | 654.33 | 34.25 | 620.08 | 12103.84 |
| 31 | 2027-02 | 654.33 | 32.58 | 621.75 | 11482.09 |
| 32 | 2027-03 | 654.33 | 30.91 | 623.42 | 10858.67 |
| 33 | 2027-04 | 654.33 | 29.23 | 625.10 | 10233.56 |
| 34 | 2027-05 | 654.33 | 27.55 | 626.78 | 9606.78 |
| 35 | 2027-06 | 654.33 | 25.86 | 628.47 | 8978.31 |
| 36 | 2027-07 | 654.33 | 24.17 | 630.16 | 8348.15 |
| 37 | 2027-08 | 654.33 | 22.47 | 631.86 | 7716.29 |
| 38 | 2027-09 | 654.33 | 20.77 | 633.56 | 7082.73 |
| 39 | 2027-10 | 654.33 | 19.06 | 635.27 | 6447.46 |
| 40 | 2027-11 | 654.33 | 17.35 | 636.98 | 5810.49 |
| 41 | 2027-12 | 654.33 | 15.64 | 638.69 | 5171.80 |
| 42 | 2028-01 | 654.33 | 13.92 | 640.41 | 4531.39 |
| 43 | 2028-02 | 654.33 | 12.20 | 642.13 | 3889.26 |
| 44 | 2028-03 | 654.33 | 10.47 | 643.86 | 3245.39 |
| 45 | 2028-04 | 654.33 | 8.74 | 645.59 | 2599.80 |
| 46 | 2028-05 | 654.33 | 7.00 | 647.33 | 1952.47 |
| 47 | 2028-06 | 654.33 | 5.26 | 649.07 | 1303.39 |
| 48 | 2028-07 | 654.33 | 3.51 | 650.82 | 652.57 |
| 49 | 2028-08 | 654.33 | 1.76 | 652.57 | 0.00 |
等额本金还款方式：
贷款总额：3万
还款月数：4年1个月
首月还款：692.99元
每月递减：1.65元
利息总额：2018.75元
本息合计：3.2万
节省利息：43.4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 | 692.99 | 80.75 | 612.24 | 29387.76 |
| 2 | 2024-09 | 691.35 | 79.10 | 612.24 | 28775.51 |
| 3 | 2024-10 | 689.70 | 77.45 | 612.24 | 28163.27 |
| 4 | 2024-11 | 688.05 | 75.81 | 612.24 | 27551.02 |
| 5 | 2024-12 | 686.40 | 74.16 | 612.24 | 26938.78 |
| 6 | 2025-01 | 684.76 | 72.51 | 612.24 | 26326.53 |
| 7 | 2025-02 | 683.11 | 70.86 | 612.24 | 25714.29 |
| 8 | 2025-03 | 681.46 | 69.21 | 612.24 | 25102.04 |
| 9 | 2025-04 | 679.81 | 67.57 | 612.24 | 24489.80 |
| 10 | 2025-05 | 678.16 | 65.92 | 612.24 | 23877.55 |
| 11 | 2025-06 | 676.52 | 64.27 | 612.24 | 23265.31 |
| 12 | 2025-07 | 674.87 | 62.62 | 612.24 | 22653.06 |
| 13 | 2025-08 | 673.22 | 60.97 | 612.24 | 22040.82 |
| 14 | 2025-09 | 671.57 | 59.33 | 612.24 | 21428.57 |
| 15 | 2025-10 | 669.92 | 57.68 | 612.24 | 20816.33 |
| 16 | 2025-11 | 668.28 | 56.03 | 612.24 | 20204.08 |
| 17 | 2025-12 | 666.63 | 54.38 | 612.24 | 19591.84 |
| 18 | 2026-01 | 664.98 | 52.73 | 612.24 | 18979.59 |
| 19 | 2026-02 | 663.33 | 51.09 | 612.24 | 18367.35 |
| 20 | 2026-03 | 661.68 | 49.44 | 612.24 | 17755.10 |
| 21 | 2026-04 | 660.04 | 47.79 | 612.24 | 17142.86 |
| 22 | 2026-05 | 658.39 | 46.14 | 612.24 | 16530.61 |
| 23 | 2026-06 | 656.74 | 44.49 | 612.24 | 15918.37 |
| 24 | 2026-07 | 655.09 | 42.85 | 612.24 | 15306.12 |
| 25 | 2026-08 | 653.44 | 41.20 | 612.24 | 14693.88 |
| 26 | 2026-09 | 651.80 | 39.55 | 612.24 | 14081.63 |
| 27 | 2026-10 | 650.15 | 37.90 | 612.24 | 13469.39 |
| 28 | 2026-11 | 648.50 | 36.26 | 612.24 | 12857.14 |
| 29 | 2026-12 | 646.85 | 34.61 | 612.24 | 12244.90 |
| 30 | 2027-01 | 645.20 | 32.96 | 612.24 | 11632.65 |
| 31 | 2027-02 | 643.56 | 31.31 | 612.24 | 11020.41 |
| 32 | 2027-03 | 641.91 | 29.66 | 612.24 | 10408.16 |
| 33 | 2027-04 | 640.26 | 28.02 | 612.24 | 9795.92 |
| 34 | 2027-05 | 638.61 | 26.37 | 612.24 | 9183.67 |
| 35 | 2027-06 | 636.96 | 24.72 | 612.24 | 8571.43 |
| 36 | 2027-07 | 635.32 | 23.07 | 612.24 | 7959.18 |
| 37 | 2027-08 | 633.67 | 21.42 | 612.24 | 7346.94 |
| 38 | 2027-09 | 632.02 | 19.78 | 612.24 | 6734.69 |
| 39 | 2027-10 | 630.37 | 18.13 | 612.24 | 6122.45 |
| 40 | 2027-11 | 628.72 | 16.48 | 612.24 | 5510.20 |
| 41 | 2027-12 | 627.08 | 14.83 | 612.24 | 4897.96 |
| 42 | 2028-01 | 625.43 | 13.18 | 612.24 | 4285.71 |
| 43 | 2028-02 | 623.78 | 11.54 | 612.24 | 3673.47 |
| 44 | 2028-03 | 622.13 | 9.89 | 612.24 | 3061.22 |
| 45 | 2028-04 | 620.48 | 8.24 | 612.24 | 2448.98 |
| 46 | 2028-05 | 618.84 | 6.59 | 612.24 | 1836.73 |
| 47 | 2028-06 | 617.19 | 4.94 | 612.24 | 1224.49 |
| 48 | 2028-07 | 615.54 | 3.30 | 612.24 | 612.24 |
| 49 | 2028-08 | 613.89 | 1.65 | 612.24 | 0.00 |