贷款4万（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：4万
还款月数：3年
每月还款：1167.66元
利息总额：2035.78元
本息合计：4.2万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 1167.66 | 108.33 | 1059.33 | 38940.67 |
| 2 | 2025-05 | 1167.66 | 105.46 | 1062.20 | 37878.48 |
| 3 | 2025-06 | 1167.66 | 102.59 | 1065.07 | 36813.40 |
| 4 | 2025-07 | 1167.66 | 99.70 | 1067.96 | 35745.45 |
| 5 | 2025-08 | 1167.66 | 96.81 | 1070.85 | 34674.60 |
| 6 | 2025-09 | 1167.66 | 93.91 | 1073.75 | 33600.85 |
| 7 | 2025-10 | 1167.66 | 91.00 | 1076.66 | 32524.19 |
| 8 | 2025-11 | 1167.66 | 88.09 | 1079.57 | 31444.61 |
| 9 | 2025-12 | 1167.66 | 85.16 | 1082.50 | 30362.11 |
| 10 | 2026-01 | 1167.66 | 82.23 | 1085.43 | 29276.68 |
| 11 | 2026-02 | 1167.66 | 79.29 | 1088.37 | 28188.32 |
| 12 | 2026-03 | 1167.66 | 76.34 | 1091.32 | 27097.00 |
| 13 | 2026-04 | 1167.66 | 73.39 | 1094.27 | 26002.73 |
| 14 | 2026-05 | 1167.66 | 70.42 | 1097.24 | 24905.49 |
| 15 | 2026-06 | 1167.66 | 67.45 | 1100.21 | 23805.28 |
| 16 | 2026-07 | 1167.66 | 64.47 | 1103.19 | 22702.09 |
| 17 | 2026-08 | 1167.66 | 61.48 | 1106.18 | 21595.92 |
| 18 | 2026-09 | 1167.66 | 58.49 | 1109.17 | 20486.74 |
| 19 | 2026-10 | 1167.66 | 55.48 | 1112.18 | 19374.57 |
| 20 | 2026-11 | 1167.66 | 52.47 | 1115.19 | 18259.38 |
| 21 | 2026-12 | 1167.66 | 49.45 | 1118.21 | 17141.17 |
| 22 | 2027-01 | 1167.66 | 46.42 | 1121.24 | 16019.94 |
| 23 | 2027-02 | 1167.66 | 43.39 | 1124.27 | 14895.66 |
| 24 | 2027-03 | 1167.66 | 40.34 | 1127.32 | 13768.35 |
| 25 | 2027-04 | 1167.66 | 37.29 | 1130.37 | 12637.97 |
| 26 | 2027-05 | 1167.66 | 34.23 | 1133.43 | 11504.54 |
| 27 | 2027-06 | 1167.66 | 31.16 | 1136.50 | 10368.04 |
| 28 | 2027-07 | 1167.66 | 28.08 | 1139.58 | 9228.46 |
| 29 | 2027-08 | 1167.66 | 24.99 | 1142.67 | 8085.79 |
| 30 | 2027-09 | 1167.66 | 21.90 | 1145.76 | 6940.03 |
| 31 | 2027-10 | 1167.66 | 18.80 | 1148.86 | 5791.16 |
| 32 | 2027-11 | 1167.66 | 15.68 | 1151.98 | 4639.19 |
| 33 | 2027-12 | 1167.66 | 12.56 | 1155.10 | 3484.09 |
| 34 | 2028-01 | 1167.66 | 9.44 | 1158.22 | 2325.87 |
| 35 | 2028-02 | 1167.66 | 6.30 | 1161.36 | 1164.51 |
| 36 | 2028-03 | 1167.66 | 3.15 | 1164.51 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：3年
首月还款：1219.44元
每月递减：3.01元
利息总额：2004.17元
本息合计：4.2万
节省利息：31.62元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 1219.44 | 108.33 | 1111.11 | 38888.89 |
| 2 | 2025-05 | 1216.44 | 105.32 | 1111.11 | 37777.78 |
| 3 | 2025-06 | 1213.43 | 102.31 | 1111.11 | 36666.67 |
| 4 | 2025-07 | 1210.42 | 99.31 | 1111.11 | 35555.56 |
| 5 | 2025-08 | 1207.41 | 96.30 | 1111.11 | 34444.44 |
| 6 | 2025-09 | 1204.40 | 93.29 | 1111.11 | 33333.33 |
| 7 | 2025-10 | 1201.39 | 90.28 | 1111.11 | 32222.22 |
| 8 | 2025-11 | 1198.38 | 87.27 | 1111.11 | 31111.11 |
| 9 | 2025-12 | 1195.37 | 84.26 | 1111.11 | 30000.00 |
| 10 | 2026-01 | 1192.36 | 81.25 | 1111.11 | 28888.89 |
| 11 | 2026-02 | 1189.35 | 78.24 | 1111.11 | 27777.78 |
| 12 | 2026-03 | 1186.34 | 75.23 | 1111.11 | 26666.67 |
| 13 | 2026-04 | 1183.33 | 72.22 | 1111.11 | 25555.56 |
| 14 | 2026-05 | 1180.32 | 69.21 | 1111.11 | 24444.44 |
| 15 | 2026-06 | 1177.31 | 66.20 | 1111.11 | 23333.33 |
| 16 | 2026-07 | 1174.31 | 63.19 | 1111.11 | 22222.22 |
| 17 | 2026-08 | 1171.30 | 60.19 | 1111.11 | 21111.11 |
| 18 | 2026-09 | 1168.29 | 57.18 | 1111.11 | 20000.00 |
| 19 | 2026-10 | 1165.28 | 54.17 | 1111.11 | 18888.89 |
| 20 | 2026-11 | 1162.27 | 51.16 | 1111.11 | 17777.78 |
| 21 | 2026-12 | 1159.26 | 48.15 | 1111.11 | 16666.67 |
| 22 | 2027-01 | 1156.25 | 45.14 | 1111.11 | 15555.56 |
| 23 | 2027-02 | 1153.24 | 42.13 | 1111.11 | 14444.44 |
| 24 | 2027-03 | 1150.23 | 39.12 | 1111.11 | 13333.33 |
| 25 | 2027-04 | 1147.22 | 36.11 | 1111.11 | 12222.22 |
| 26 | 2027-05 | 1144.21 | 33.10 | 1111.11 | 11111.11 |
| 27 | 2027-06 | 1141.20 | 30.09 | 1111.11 | 10000.00 |
| 28 | 2027-07 | 1138.19 | 27.08 | 1111.11 | 8888.89 |
| 29 | 2027-08 | 1135.19 | 24.07 | 1111.11 | 7777.78 |
| 30 | 2027-09 | 1132.18 | 21.06 | 1111.11 | 6666.67 |
| 31 | 2027-10 | 1129.17 | 18.06 | 1111.11 | 5555.56 |
| 32 | 2027-11 | 1126.16 | 15.05 | 1111.11 | 4444.44 |
| 33 | 2027-12 | 1123.15 | 12.04 | 1111.11 | 3333.33 |
| 34 | 2028-01 | 1120.14 | 9.03 | 1111.11 | 2222.22 |
| 35 | 2028-02 | 1117.13 | 6.02 | 1111.11 | 1111.11 |
| 36 | 2028-03 | 1114.12 | 3.01 | 1111.11 | 0.00 |