贷款45万（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：45万
还款月数：3年
每月还款：12958.03元
利息总额：1.65万
本息合计：46.65万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 12958.03 | 881.25 | 12076.78 | 437923.22 |
| 2 | 2025-06 | 12958.03 | 857.60 | 12100.43 | 425822.78 |
| 3 | 2025-07 | 12958.03 | 833.90 | 12124.13 | 413698.66 |
| 4 | 2025-08 | 12958.03 | 810.16 | 12147.87 | 401550.78 |
| 5 | 2025-09 | 12958.03 | 786.37 | 12171.66 | 389379.12 |
| 6 | 2025-10 | 12958.03 | 762.53 | 12195.50 | 377183.62 |
| 7 | 2025-11 | 12958.03 | 738.65 | 12219.38 | 364964.24 |
| 8 | 2025-12 | 12958.03 | 714.72 | 12243.31 | 352720.93 |
| 9 | 2026-01 | 12958.03 | 690.75 | 12267.29 | 340453.64 |
| 10 | 2026-02 | 12958.03 | 666.72 | 12291.31 | 328162.33 |
| 11 | 2026-03 | 12958.03 | 642.65 | 12315.38 | 315846.95 |
| 12 | 2026-04 | 12958.03 | 618.53 | 12339.50 | 303507.45 |
| 13 | 2026-05 | 12958.03 | 594.37 | 12363.66 | 291143.79 |
| 14 | 2026-06 | 12958.03 | 570.16 | 12387.88 | 278755.91 |
| 15 | 2026-07 | 12958.03 | 545.90 | 12412.14 | 266343.78 |
| 16 | 2026-08 | 12958.03 | 521.59 | 12436.44 | 253907.33 |
| 17 | 2026-09 | 12958.03 | 497.24 | 12460.80 | 241446.54 |
| 18 | 2026-10 | 12958.03 | 472.83 | 12485.20 | 228961.34 |
| 19 | 2026-11 | 12958.03 | 448.38 | 12509.65 | 216451.69 |
| 20 | 2026-12 | 12958.03 | 423.88 | 12534.15 | 203917.54 |
| 21 | 2027-01 | 12958.03 | 399.34 | 12558.69 | 191358.85 |
| 22 | 2027-02 | 12958.03 | 374.74 | 12583.29 | 178775.56 |
| 23 | 2027-03 | 12958.03 | 350.10 | 12607.93 | 166167.63 |
| 24 | 2027-04 | 12958.03 | 325.41 | 12632.62 | 153535.01 |
| 25 | 2027-05 | 12958.03 | 300.67 | 12657.36 | 140877.65 |
| 26 | 2027-06 | 12958.03 | 275.89 | 12682.15 | 128195.50 |
| 27 | 2027-07 | 12958.03 | 251.05 | 12706.98 | 115488.52 |
| 28 | 2027-08 | 12958.03 | 226.17 | 12731.87 | 102756.65 |
| 29 | 2027-09 | 12958.03 | 201.23 | 12756.80 | 89999.85 |
| 30 | 2027-10 | 12958.03 | 176.25 | 12781.78 | 77218.07 |
| 31 | 2027-11 | 12958.03 | 151.22 | 12806.81 | 64411.25 |
| 32 | 2027-12 | 12958.03 | 126.14 | 12831.89 | 51579.36 |
| 33 | 2028-01 | 12958.03 | 101.01 | 12857.02 | 38722.34 |
| 34 | 2028-02 | 12958.03 | 75.83 | 12882.20 | 25840.13 |
| 35 | 2028-03 | 12958.03 | 50.60 | 12907.43 | 12932.71 |
| 36 | 2028-04 | 12958.03 | 25.33 | 12932.71 | 0.00 |
等额本金还款方式：
贷款总额：45万
还款月数：3年
首月还款：13381.25元
每月递减：24.48元
利息总额：1.63万
本息合计：46.63万
节省利息：186.04元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 13381.25 | 881.25 | 12500.00 | 437500.00 |
| 2 | 2025-06 | 13356.77 | 856.77 | 12500.00 | 425000.00 |
| 3 | 2025-07 | 13332.29 | 832.29 | 12500.00 | 412500.00 |
| 4 | 2025-08 | 13307.81 | 807.81 | 12500.00 | 400000.00 |
| 5 | 2025-09 | 13283.33 | 783.33 | 12500.00 | 387500.00 |
| 6 | 2025-10 | 13258.85 | 758.85 | 12500.00 | 375000.00 |
| 7 | 2025-11 | 13234.38 | 734.38 | 12500.00 | 362500.00 |
| 8 | 2025-12 | 13209.90 | 709.90 | 12500.00 | 350000.00 |
| 9 | 2026-01 | 13185.42 | 685.42 | 12500.00 | 337500.00 |
| 10 | 2026-02 | 13160.94 | 660.94 | 12500.00 | 325000.00 |
| 11 | 2026-03 | 13136.46 | 636.46 | 12500.00 | 312500.00 |
| 12 | 2026-04 | 13111.98 | 611.98 | 12500.00 | 300000.00 |
| 13 | 2026-05 | 13087.50 | 587.50 | 12500.00 | 287500.00 |
| 14 | 2026-06 | 13063.02 | 563.02 | 12500.00 | 275000.00 |
| 15 | 2026-07 | 13038.54 | 538.54 | 12500.00 | 262500.00 |
| 16 | 2026-08 | 13014.06 | 514.06 | 12500.00 | 250000.00 |
| 17 | 2026-09 | 12989.58 | 489.58 | 12500.00 | 237500.00 |
| 18 | 2026-10 | 12965.10 | 465.10 | 12500.00 | 225000.00 |
| 19 | 2026-11 | 12940.63 | 440.62 | 12500.00 | 212500.00 |
| 20 | 2026-12 | 12916.15 | 416.15 | 12500.00 | 200000.00 |
| 21 | 2027-01 | 12891.67 | 391.67 | 12500.00 | 187500.00 |
| 22 | 2027-02 | 12867.19 | 367.19 | 12500.00 | 175000.00 |
| 23 | 2027-03 | 12842.71 | 342.71 | 12500.00 | 162500.00 |
| 24 | 2027-04 | 12818.23 | 318.23 | 12500.00 | 150000.00 |
| 25 | 2027-05 | 12793.75 | 293.75 | 12500.00 | 137500.00 |
| 26 | 2027-06 | 12769.27 | 269.27 | 12500.00 | 125000.00 |
| 27 | 2027-07 | 12744.79 | 244.79 | 12500.00 | 112500.00 |
| 28 | 2027-08 | 12720.31 | 220.31 | 12500.00 | 100000.00 |
| 29 | 2027-09 | 12695.83 | 195.83 | 12500.00 | 87500.00 |
| 30 | 2027-10 | 12671.35 | 171.35 | 12500.00 | 75000.00 |
| 31 | 2027-11 | 12646.88 | 146.88 | 12500.00 | 62500.00 |
| 32 | 2027-12 | 12622.40 | 122.40 | 12500.00 | 50000.00 |
| 33 | 2028-01 | 12597.92 | 97.92 | 12500.00 | 37500.00 |
| 34 | 2028-02 | 12573.44 | 73.44 | 12500.00 | 25000.00 |
| 35 | 2028-03 | 12548.96 | 48.96 | 12500.00 | 12500.00 |
| 36 | 2028-04 | 12524.48 | 24.48 | 12500.00 | 0.00 |