武汉贷款150万（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：150万
还款月数：3年
每月还款：43787.27元
利息总额：7.63万
本息合计：157.63万
| 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 | 43787.27 | 4062.50 | 39724.77 | 1460275.23 |
| 2 | 2025-05 | 43787.27 | 3954.91 | 39832.36 | 1420442.87 |
| 3 | 2025-06 | 43787.27 | 3847.03 | 39940.24 | 1380502.63 |
| 4 | 2025-07 | 43787.27 | 3738.86 | 40048.41 | 1340454.21 |
| 5 | 2025-08 | 43787.27 | 3630.40 | 40156.88 | 1300297.34 |
| 6 | 2025-09 | 43787.27 | 3521.64 | 40265.63 | 1260031.70 |
| 7 | 2025-10 | 43787.27 | 3412.59 | 40374.69 | 1219657.02 |
| 8 | 2025-11 | 43787.27 | 3303.24 | 40484.04 | 1179172.98 |
| 9 | 2025-12 | 43787.27 | 3193.59 | 40593.68 | 1138579.30 |
| 10 | 2026-01 | 43787.27 | 3083.65 | 40703.62 | 1097875.68 |
| 11 | 2026-02 | 43787.27 | 2973.41 | 40813.86 | 1057061.82 |
| 12 | 2026-03 | 43787.27 | 2862.88 | 40924.40 | 1016137.43 |
| 13 | 2026-04 | 43787.27 | 2752.04 | 41035.23 | 975102.19 |
| 14 | 2026-05 | 43787.27 | 2640.90 | 41146.37 | 933955.82 |
| 15 | 2026-06 | 43787.27 | 2529.46 | 41257.81 | 892698.01 |
| 16 | 2026-07 | 43787.27 | 2417.72 | 41369.55 | 851328.46 |
| 17 | 2026-08 | 43787.27 | 2305.68 | 41481.59 | 809846.87 |
| 18 | 2026-09 | 43787.27 | 2193.34 | 41593.94 | 768252.93 |
| 19 | 2026-10 | 43787.27 | 2080.69 | 41706.59 | 726546.35 |
| 20 | 2026-11 | 43787.27 | 1967.73 | 41819.54 | 684726.80 |
| 21 | 2026-12 | 43787.27 | 1854.47 | 41932.80 | 642794.00 |
| 22 | 2027-01 | 43787.27 | 1740.90 | 42046.37 | 600747.63 |
| 23 | 2027-02 | 43787.27 | 1627.02 | 42160.25 | 558587.38 |
| 24 | 2027-03 | 43787.27 | 1512.84 | 42274.43 | 516312.95 |
| 25 | 2027-04 | 43787.27 | 1398.35 | 42388.93 | 473924.02 |
| 26 | 2027-05 | 43787.27 | 1283.54 | 42503.73 | 431420.29 |
| 27 | 2027-06 | 43787.27 | 1168.43 | 42618.84 | 388801.45 |
| 28 | 2027-07 | 43787.27 | 1053.00 | 42734.27 | 346067.18 |
| 29 | 2027-08 | 43787.27 | 937.27 | 42850.01 | 303217.17 |
| 30 | 2027-09 | 43787.27 | 821.21 | 42966.06 | 260251.11 |
| 31 | 2027-10 | 43787.27 | 704.85 | 43082.43 | 217168.69 |
| 32 | 2027-11 | 43787.27 | 588.17 | 43199.11 | 173969.58 |
| 33 | 2027-12 | 43787.27 | 471.17 | 43316.11 | 130653.47 |
| 34 | 2028-01 | 43787.27 | 353.85 | 43433.42 | 87220.05 |
| 35 | 2028-02 | 43787.27 | 236.22 | 43551.05 | 43669.00 |
| 36 | 2028-03 | 43787.27 | 118.27 | 43669.00 | 0.00 |
等额本金还款方式：
贷款总额：150万
还款月数：3年
首月还款：45729.17元
每月递减：112.85元
利息总额：7.52万
本息合计：157.52万
节省利息：1185.57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 | 45729.17 | 4062.50 | 41666.67 | 1458333.33 |
| 2 | 2025-05 | 45616.32 | 3949.65 | 41666.67 | 1416666.67 |
| 3 | 2025-06 | 45503.47 | 3836.81 | 41666.67 | 1375000.00 |
| 4 | 2025-07 | 45390.63 | 3723.96 | 41666.67 | 1333333.33 |
| 5 | 2025-08 | 45277.78 | 3611.11 | 41666.67 | 1291666.67 |
| 6 | 2025-09 | 45164.93 | 3498.26 | 41666.67 | 1250000.00 |
| 7 | 2025-10 | 45052.08 | 3385.42 | 41666.67 | 1208333.33 |
| 8 | 2025-11 | 44939.24 | 3272.57 | 41666.67 | 1166666.67 |
| 9 | 2025-12 | 44826.39 | 3159.72 | 41666.67 | 1125000.00 |
| 10 | 2026-01 | 44713.54 | 3046.88 | 41666.67 | 1083333.33 |
| 11 | 2026-02 | 44600.69 | 2934.03 | 41666.67 | 1041666.67 |
| 12 | 2026-03 | 44487.85 | 2821.18 | 41666.67 | 1000000.00 |
| 13 | 2026-04 | 44375.00 | 2708.33 | 41666.67 | 958333.33 |
| 14 | 2026-05 | 44262.15 | 2595.49 | 41666.67 | 916666.67 |
| 15 | 2026-06 | 44149.31 | 2482.64 | 41666.67 | 875000.00 |
| 16 | 2026-07 | 44036.46 | 2369.79 | 41666.67 | 833333.33 |
| 17 | 2026-08 | 43923.61 | 2256.94 | 41666.67 | 791666.67 |
| 18 | 2026-09 | 43810.76 | 2144.10 | 41666.67 | 750000.00 |
| 19 | 2026-10 | 43697.92 | 2031.25 | 41666.67 | 708333.33 |
| 20 | 2026-11 | 43585.07 | 1918.40 | 41666.67 | 666666.67 |
| 21 | 2026-12 | 43472.22 | 1805.56 | 41666.67 | 625000.00 |
| 22 | 2027-01 | 43359.38 | 1692.71 | 41666.67 | 583333.33 |
| 23 | 2027-02 | 43246.53 | 1579.86 | 41666.67 | 541666.67 |
| 24 | 2027-03 | 43133.68 | 1467.01 | 41666.67 | 500000.00 |
| 25 | 2027-04 | 43020.83 | 1354.17 | 41666.67 | 458333.33 |
| 26 | 2027-05 | 42907.99 | 1241.32 | 41666.67 | 416666.67 |
| 27 | 2027-06 | 42795.14 | 1128.47 | 41666.67 | 375000.00 |
| 28 | 2027-07 | 42682.29 | 1015.63 | 41666.67 | 333333.33 |
| 29 | 2027-08 | 42569.44 | 902.78 | 41666.67 | 291666.67 |
| 30 | 2027-09 | 42456.60 | 789.93 | 41666.67 | 250000.00 |
| 31 | 2027-10 | 42343.75 | 677.08 | 41666.67 | 208333.33 |
| 32 | 2027-11 | 42230.90 | 564.24 | 41666.67 | 166666.67 |
| 33 | 2027-12 | 42118.06 | 451.39 | 41666.67 | 125000.00 |
| 34 | 2028-01 | 42005.21 | 338.54 | 41666.67 | 83333.33 |
| 35 | 2028-02 | 41892.36 | 225.69 | 41666.67 | 41666.67 |
| 36 | 2028-03 | 41779.51 | 112.85 | 41666.67 | 0.00 |