贷款6万（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：6万
还款月数：3年
每月还款：1751.49元
利息总额：3053.67元
本息合计：6.31万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 1751.49 | 162.50 | 1588.99 | 58411.01 |
| 2 | 2025-02 | 1751.49 | 158.20 | 1593.29 | 56817.71 |
| 3 | 2025-03 | 1751.49 | 153.88 | 1597.61 | 55220.11 |
| 4 | 2025-04 | 1751.49 | 149.55 | 1601.94 | 53618.17 |
| 5 | 2025-05 | 1751.49 | 145.22 | 1606.28 | 52011.89 |
| 6 | 2025-06 | 1751.49 | 140.87 | 1610.63 | 50401.27 |
| 7 | 2025-07 | 1751.49 | 136.50 | 1614.99 | 48786.28 |
| 8 | 2025-08 | 1751.49 | 132.13 | 1619.36 | 47166.92 |
| 9 | 2025-09 | 1751.49 | 127.74 | 1623.75 | 45543.17 |
| 10 | 2025-10 | 1751.49 | 123.35 | 1628.14 | 43915.03 |
| 11 | 2025-11 | 1751.49 | 118.94 | 1632.55 | 42282.47 |
| 12 | 2025-12 | 1751.49 | 114.52 | 1636.98 | 40645.50 |
| 13 | 2026-01 | 1751.49 | 110.08 | 1641.41 | 39004.09 |
| 14 | 2026-02 | 1751.49 | 105.64 | 1645.85 | 37358.23 |
| 15 | 2026-03 | 1751.49 | 101.18 | 1650.31 | 35707.92 |
| 16 | 2026-04 | 1751.49 | 96.71 | 1654.78 | 34053.14 |
| 17 | 2026-05 | 1751.49 | 92.23 | 1659.26 | 32393.87 |
| 18 | 2026-06 | 1751.49 | 87.73 | 1663.76 | 30730.12 |
| 19 | 2026-07 | 1751.49 | 83.23 | 1668.26 | 29061.85 |
| 20 | 2026-08 | 1751.49 | 78.71 | 1672.78 | 27389.07 |
| 21 | 2026-09 | 1751.49 | 74.18 | 1677.31 | 25711.76 |
| 22 | 2026-10 | 1751.49 | 69.64 | 1681.85 | 24029.91 |
| 23 | 2026-11 | 1751.49 | 65.08 | 1686.41 | 22343.50 |
| 24 | 2026-12 | 1751.49 | 60.51 | 1690.98 | 20652.52 |
| 25 | 2027-01 | 1751.49 | 55.93 | 1695.56 | 18956.96 |
| 26 | 2027-02 | 1751.49 | 51.34 | 1700.15 | 17256.81 |
| 27 | 2027-03 | 1751.49 | 46.74 | 1704.75 | 15552.06 |
| 28 | 2027-04 | 1751.49 | 42.12 | 1709.37 | 13842.69 |
| 29 | 2027-05 | 1751.49 | 37.49 | 1714.00 | 12128.69 |
| 30 | 2027-06 | 1751.49 | 32.85 | 1718.64 | 10410.04 |
| 31 | 2027-07 | 1751.49 | 28.19 | 1723.30 | 8686.75 |
| 32 | 2027-08 | 1751.49 | 23.53 | 1727.96 | 6958.78 |
| 33 | 2027-09 | 1751.49 | 18.85 | 1732.64 | 5226.14 |
| 34 | 2027-10 | 1751.49 | 14.15 | 1737.34 | 3488.80 |
| 35 | 2027-11 | 1751.49 | 9.45 | 1742.04 | 1746.76 |
| 36 | 2027-12 | 1751.49 | 4.73 | 1746.76 | 0.00 |
等额本金还款方式：
贷款总额：6万
还款月数：3年
首月还款：1829.17元
每月递减：4.51元
利息总额：3006.25元
本息合计：6.3万
节省利息：47.42元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 1829.17 | 162.50 | 1666.67 | 58333.33 |
| 2 | 2025-02 | 1824.65 | 157.99 | 1666.67 | 56666.67 |
| 3 | 2025-03 | 1820.14 | 153.47 | 1666.67 | 55000.00 |
| 4 | 2025-04 | 1815.63 | 148.96 | 1666.67 | 53333.33 |
| 5 | 2025-05 | 1811.11 | 144.44 | 1666.67 | 51666.67 |
| 6 | 2025-06 | 1806.60 | 139.93 | 1666.67 | 50000.00 |
| 7 | 2025-07 | 1802.08 | 135.42 | 1666.67 | 48333.33 |
| 8 | 2025-08 | 1797.57 | 130.90 | 1666.67 | 46666.67 |
| 9 | 2025-09 | 1793.06 | 126.39 | 1666.67 | 45000.00 |
| 10 | 2025-10 | 1788.54 | 121.88 | 1666.67 | 43333.33 |
| 11 | 2025-11 | 1784.03 | 117.36 | 1666.67 | 41666.67 |
| 12 | 2025-12 | 1779.51 | 112.85 | 1666.67 | 40000.00 |
| 13 | 2026-01 | 1775.00 | 108.33 | 1666.67 | 38333.33 |
| 14 | 2026-02 | 1770.49 | 103.82 | 1666.67 | 36666.67 |
| 15 | 2026-03 | 1765.97 | 99.31 | 1666.67 | 35000.00 |
| 16 | 2026-04 | 1761.46 | 94.79 | 1666.67 | 33333.33 |
| 17 | 2026-05 | 1756.94 | 90.28 | 1666.67 | 31666.67 |
| 18 | 2026-06 | 1752.43 | 85.76 | 1666.67 | 30000.00 |
| 19 | 2026-07 | 1747.92 | 81.25 | 1666.67 | 28333.33 |
| 20 | 2026-08 | 1743.40 | 76.74 | 1666.67 | 26666.67 |
| 21 | 2026-09 | 1738.89 | 72.22 | 1666.67 | 25000.00 |
| 22 | 2026-10 | 1734.38 | 67.71 | 1666.67 | 23333.33 |
| 23 | 2026-11 | 1729.86 | 63.19 | 1666.67 | 21666.67 |
| 24 | 2026-12 | 1725.35 | 58.68 | 1666.67 | 20000.00 |
| 25 | 2027-01 | 1720.83 | 54.17 | 1666.67 | 18333.33 |
| 26 | 2027-02 | 1716.32 | 49.65 | 1666.67 | 16666.67 |
| 27 | 2027-03 | 1711.81 | 45.14 | 1666.67 | 15000.00 |
| 28 | 2027-04 | 1707.29 | 40.63 | 1666.67 | 13333.33 |
| 29 | 2027-05 | 1702.78 | 36.11 | 1666.67 | 11666.67 |
| 30 | 2027-06 | 1698.26 | 31.60 | 1666.67 | 10000.00 |
| 31 | 2027-07 | 1693.75 | 27.08 | 1666.67 | 8333.33 |
| 32 | 2027-08 | 1689.24 | 22.57 | 1666.67 | 6666.67 |
| 33 | 2027-09 | 1684.72 | 18.06 | 1666.67 | 5000.00 |
| 34 | 2027-10 | 1680.21 | 13.54 | 1666.67 | 3333.33 |
| 35 | 2027-11 | 1675.69 | 9.03 | 1666.67 | 1666.67 |
| 36 | 2027-12 | 1671.18 | 4.51 | 1666.67 | 0.00 |