南京贷款60万（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：60万
还款月数：3年
每月还款：17514.91元
利息总额：3.05万
本息合计：63.05万
| 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 | 17514.91 | 1625.00 | 15889.91 | 584110.09 |
| 2 | 2025-03 | 17514.91 | 1581.96 | 15932.94 | 568177.15 |
| 3 | 2025-04 | 17514.91 | 1538.81 | 15976.10 | 552201.05 |
| 4 | 2025-05 | 17514.91 | 1495.54 | 16019.36 | 536181.69 |
| 5 | 2025-06 | 17514.91 | 1452.16 | 16062.75 | 520118.94 |
| 6 | 2025-07 | 17514.91 | 1408.66 | 16106.25 | 504012.68 |
| 7 | 2025-08 | 17514.91 | 1365.03 | 16149.87 | 487862.81 |
| 8 | 2025-09 | 17514.91 | 1321.30 | 16193.61 | 471669.19 |
| 9 | 2025-10 | 17514.91 | 1277.44 | 16237.47 | 455431.72 |
| 10 | 2025-11 | 17514.91 | 1233.46 | 16281.45 | 439150.27 |
| 11 | 2025-12 | 17514.91 | 1189.37 | 16325.54 | 422824.73 |
| 12 | 2026-01 | 17514.91 | 1145.15 | 16369.76 | 406454.97 |
| 13 | 2026-02 | 17514.91 | 1100.82 | 16414.09 | 390040.88 |
| 14 | 2026-03 | 17514.91 | 1056.36 | 16458.55 | 373582.33 |
| 15 | 2026-04 | 17514.91 | 1011.79 | 16503.12 | 357079.20 |
| 16 | 2026-05 | 17514.91 | 967.09 | 16547.82 | 340531.39 |
| 17 | 2026-06 | 17514.91 | 922.27 | 16592.64 | 323938.75 |
| 18 | 2026-07 | 17514.91 | 877.33 | 16637.58 | 307301.17 |
| 19 | 2026-08 | 17514.91 | 832.27 | 16682.64 | 290618.54 |
| 20 | 2026-09 | 17514.91 | 787.09 | 16727.82 | 273890.72 |
| 21 | 2026-10 | 17514.91 | 741.79 | 16773.12 | 257117.60 |
| 22 | 2026-11 | 17514.91 | 696.36 | 16818.55 | 240299.05 |
| 23 | 2026-12 | 17514.91 | 650.81 | 16864.10 | 223434.95 |
| 24 | 2027-01 | 17514.91 | 605.14 | 16909.77 | 206525.18 |
| 25 | 2027-02 | 17514.91 | 559.34 | 16955.57 | 189569.61 |
| 26 | 2027-03 | 17514.91 | 513.42 | 17001.49 | 172568.12 |
| 27 | 2027-04 | 17514.91 | 467.37 | 17047.54 | 155520.58 |
| 28 | 2027-05 | 17514.91 | 421.20 | 17093.71 | 138426.87 |
| 29 | 2027-06 | 17514.91 | 374.91 | 17140.00 | 121286.87 |
| 30 | 2027-07 | 17514.91 | 328.49 | 17186.42 | 104100.45 |
| 31 | 2027-08 | 17514.91 | 281.94 | 17232.97 | 86867.47 |
| 32 | 2027-09 | 17514.91 | 235.27 | 17279.64 | 69587.83 |
| 33 | 2027-10 | 17514.91 | 188.47 | 17326.44 | 52261.39 |
| 34 | 2027-11 | 17514.91 | 141.54 | 17373.37 | 34888.02 |
| 35 | 2027-12 | 17514.91 | 94.49 | 17420.42 | 17467.60 |
| 36 | 2028-01 | 17514.91 | 47.31 | 17467.60 | 0.00 |
等额本金还款方式：
贷款总额：60万
还款月数：3年
首月还款：18291.67元
每月递减：45.14元
利息总额：3.01万
本息合计：63.01万
节省利息：474.23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 | 18291.67 | 1625.00 | 16666.67 | 583333.33 |
| 2 | 2025-03 | 18246.53 | 1579.86 | 16666.67 | 566666.67 |
| 3 | 2025-04 | 18201.39 | 1534.72 | 16666.67 | 550000.00 |
| 4 | 2025-05 | 18156.25 | 1489.58 | 16666.67 | 533333.33 |
| 5 | 2025-06 | 18111.11 | 1444.44 | 16666.67 | 516666.67 |
| 6 | 2025-07 | 18065.97 | 1399.31 | 16666.67 | 500000.00 |
| 7 | 2025-08 | 18020.83 | 1354.17 | 16666.67 | 483333.33 |
| 8 | 2025-09 | 17975.69 | 1309.03 | 16666.67 | 466666.67 |
| 9 | 2025-10 | 17930.56 | 1263.89 | 16666.67 | 450000.00 |
| 10 | 2025-11 | 17885.42 | 1218.75 | 16666.67 | 433333.33 |
| 11 | 2025-12 | 17840.28 | 1173.61 | 16666.67 | 416666.67 |
| 12 | 2026-01 | 17795.14 | 1128.47 | 16666.67 | 400000.00 |
| 13 | 2026-02 | 17750.00 | 1083.33 | 16666.67 | 383333.33 |
| 14 | 2026-03 | 17704.86 | 1038.19 | 16666.67 | 366666.67 |
| 15 | 2026-04 | 17659.72 | 993.06 | 16666.67 | 350000.00 |
| 16 | 2026-05 | 17614.58 | 947.92 | 16666.67 | 333333.33 |
| 17 | 2026-06 | 17569.44 | 902.78 | 16666.67 | 316666.67 |
| 18 | 2026-07 | 17524.31 | 857.64 | 16666.67 | 300000.00 |
| 19 | 2026-08 | 17479.17 | 812.50 | 16666.67 | 283333.33 |
| 20 | 2026-09 | 17434.03 | 767.36 | 16666.67 | 266666.67 |
| 21 | 2026-10 | 17388.89 | 722.22 | 16666.67 | 250000.00 |
| 22 | 2026-11 | 17343.75 | 677.08 | 16666.67 | 233333.33 |
| 23 | 2026-12 | 17298.61 | 631.94 | 16666.67 | 216666.67 |
| 24 | 2027-01 | 17253.47 | 586.81 | 16666.67 | 200000.00 |
| 25 | 2027-02 | 17208.33 | 541.67 | 16666.67 | 183333.33 |
| 26 | 2027-03 | 17163.19 | 496.53 | 16666.67 | 166666.67 |
| 27 | 2027-04 | 17118.06 | 451.39 | 16666.67 | 150000.00 |
| 28 | 2027-05 | 17072.92 | 406.25 | 16666.67 | 133333.33 |
| 29 | 2027-06 | 17027.78 | 361.11 | 16666.67 | 116666.67 |
| 30 | 2027-07 | 16982.64 | 315.97 | 16666.67 | 100000.00 |
| 31 | 2027-08 | 16937.50 | 270.83 | 16666.67 | 83333.33 |
| 32 | 2027-09 | 16892.36 | 225.69 | 16666.67 | 66666.67 |
| 33 | 2027-10 | 16847.22 | 180.56 | 16666.67 | 50000.00 |
| 34 | 2027-11 | 16802.08 | 135.42 | 16666.67 | 33333.33 |
| 35 | 2027-12 | 16756.94 | 90.28 | 16666.67 | 16666.67 |
| 36 | 2028-01 | 16711.81 | 45.14 | 16666.67 | 0.00 |