贷款14万（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：14万
还款月数：3年
每月还款：4071.37元
利息总额：6569.3元
本息合计：14.66万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 4071.37 | 350.00 | 3721.37 | 136278.63 |
| 2 | 2025-03 | 4071.37 | 340.70 | 3730.67 | 132547.96 |
| 3 | 2025-04 | 4071.37 | 331.37 | 3740.00 | 128807.96 |
| 4 | 2025-05 | 4071.37 | 322.02 | 3749.35 | 125058.61 |
| 5 | 2025-06 | 4071.37 | 312.65 | 3758.72 | 121299.89 |
| 6 | 2025-07 | 4071.37 | 303.25 | 3768.12 | 117531.77 |
| 7 | 2025-08 | 4071.37 | 293.83 | 3777.54 | 113754.23 |
| 8 | 2025-09 | 4071.37 | 284.39 | 3786.98 | 109967.24 |
| 9 | 2025-10 | 4071.37 | 274.92 | 3796.45 | 106170.79 |
| 10 | 2025-11 | 4071.37 | 265.43 | 3805.94 | 102364.85 |
| 11 | 2025-12 | 4071.37 | 255.91 | 3815.46 | 98549.39 |
| 12 | 2026-01 | 4071.37 | 246.37 | 3825.00 | 94724.40 |
| 13 | 2026-02 | 4071.37 | 236.81 | 3834.56 | 90889.84 |
| 14 | 2026-03 | 4071.37 | 227.22 | 3844.14 | 87045.69 |
| 15 | 2026-04 | 4071.37 | 217.61 | 3853.76 | 83191.94 |
| 16 | 2026-05 | 4071.37 | 207.98 | 3863.39 | 79328.55 |
| 17 | 2026-06 | 4071.37 | 198.32 | 3873.05 | 75455.50 |
| 18 | 2026-07 | 4071.37 | 188.64 | 3882.73 | 71572.77 |
| 19 | 2026-08 | 4071.37 | 178.93 | 3892.44 | 67680.33 |
| 20 | 2026-09 | 4071.37 | 169.20 | 3902.17 | 63778.16 |
| 21 | 2026-10 | 4071.37 | 159.45 | 3911.92 | 59866.24 |
| 22 | 2026-11 | 4071.37 | 149.67 | 3921.70 | 55944.54 |
| 23 | 2026-12 | 4071.37 | 139.86 | 3931.51 | 52013.03 |
| 24 | 2027-01 | 4071.37 | 130.03 | 3941.34 | 48071.69 |
| 25 | 2027-02 | 4071.37 | 120.18 | 3951.19 | 44120.50 |
| 26 | 2027-03 | 4071.37 | 110.30 | 3961.07 | 40159.43 |
| 27 | 2027-04 | 4071.37 | 100.40 | 3970.97 | 36188.46 |
| 28 | 2027-05 | 4071.37 | 90.47 | 3980.90 | 32207.56 |
| 29 | 2027-06 | 4071.37 | 80.52 | 3990.85 | 28216.71 |
| 30 | 2027-07 | 4071.37 | 70.54 | 4000.83 | 24215.89 |
| 31 | 2027-08 | 4071.37 | 60.54 | 4010.83 | 20205.06 |
| 32 | 2027-09 | 4071.37 | 50.51 | 4020.86 | 16184.20 |
| 33 | 2027-10 | 4071.37 | 40.46 | 4030.91 | 12153.29 |
| 34 | 2027-11 | 4071.37 | 30.38 | 4040.99 | 8112.30 |
| 35 | 2027-12 | 4071.37 | 20.28 | 4051.09 | 4061.22 |
| 36 | 2028-01 | 4071.37 | 10.15 | 4061.22 | 0.00 |
等额本金还款方式：
贷款总额：14万
还款月数：3年
首月还款：4238.89元
每月递减：9.72元
利息总额：6475元
本息合计：14.65万
节省利息：94.3元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 4238.89 | 350.00 | 3888.89 | 136111.11 |
| 2 | 2025-03 | 4229.17 | 340.28 | 3888.89 | 132222.22 |
| 3 | 2025-04 | 4219.44 | 330.56 | 3888.89 | 128333.33 |
| 4 | 2025-05 | 4209.72 | 320.83 | 3888.89 | 124444.44 |
| 5 | 2025-06 | 4200.00 | 311.11 | 3888.89 | 120555.56 |
| 6 | 2025-07 | 4190.28 | 301.39 | 3888.89 | 116666.67 |
| 7 | 2025-08 | 4180.56 | 291.67 | 3888.89 | 112777.78 |
| 8 | 2025-09 | 4170.83 | 281.94 | 3888.89 | 108888.89 |
| 9 | 2025-10 | 4161.11 | 272.22 | 3888.89 | 105000.00 |
| 10 | 2025-11 | 4151.39 | 262.50 | 3888.89 | 101111.11 |
| 11 | 2025-12 | 4141.67 | 252.78 | 3888.89 | 97222.22 |
| 12 | 2026-01 | 4131.94 | 243.06 | 3888.89 | 93333.33 |
| 13 | 2026-02 | 4122.22 | 233.33 | 3888.89 | 89444.44 |
| 14 | 2026-03 | 4112.50 | 223.61 | 3888.89 | 85555.56 |
| 15 | 2026-04 | 4102.78 | 213.89 | 3888.89 | 81666.67 |
| 16 | 2026-05 | 4093.06 | 204.17 | 3888.89 | 77777.78 |
| 17 | 2026-06 | 4083.33 | 194.44 | 3888.89 | 73888.89 |
| 18 | 2026-07 | 4073.61 | 184.72 | 3888.89 | 70000.00 |
| 19 | 2026-08 | 4063.89 | 175.00 | 3888.89 | 66111.11 |
| 20 | 2026-09 | 4054.17 | 165.28 | 3888.89 | 62222.22 |
| 21 | 2026-10 | 4044.44 | 155.56 | 3888.89 | 58333.33 |
| 22 | 2026-11 | 4034.72 | 145.83 | 3888.89 | 54444.44 |
| 23 | 2026-12 | 4025.00 | 136.11 | 3888.89 | 50555.56 |
| 24 | 2027-01 | 4015.28 | 126.39 | 3888.89 | 46666.67 |
| 25 | 2027-02 | 4005.56 | 116.67 | 3888.89 | 42777.78 |
| 26 | 2027-03 | 3995.83 | 106.94 | 3888.89 | 38888.89 |
| 27 | 2027-04 | 3986.11 | 97.22 | 3888.89 | 35000.00 |
| 28 | 2027-05 | 3976.39 | 87.50 | 3888.89 | 31111.11 |
| 29 | 2027-06 | 3966.67 | 77.78 | 3888.89 | 27222.22 |
| 30 | 2027-07 | 3956.94 | 68.06 | 3888.89 | 23333.33 |
| 31 | 2027-08 | 3947.22 | 58.33 | 3888.89 | 19444.44 |
| 32 | 2027-09 | 3937.50 | 48.61 | 3888.89 | 15555.56 |
| 33 | 2027-10 | 3927.78 | 38.89 | 3888.89 | 11666.67 |
| 34 | 2027-11 | 3918.06 | 29.17 | 3888.89 | 7777.78 |
| 35 | 2027-12 | 3908.33 | 19.44 | 3888.89 | 3888.89 |
| 36 | 2028-01 | 3898.61 | 9.72 | 3888.89 | 0.00 |