贷款50万（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：50万
还款月数：3年
每月还款：14595.76元
利息总额：2.54万
本息合计：52.54万
| 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 | 14595.76 | 1354.17 | 13241.59 | 486758.41 |
| 2 | 2025-05 | 14595.76 | 1318.30 | 13277.45 | 473480.96 |
| 3 | 2025-06 | 14595.76 | 1282.34 | 13313.41 | 460167.54 |
| 4 | 2025-07 | 14595.76 | 1246.29 | 13349.47 | 446818.07 |
| 5 | 2025-08 | 14595.76 | 1210.13 | 13385.63 | 433432.45 |
| 6 | 2025-09 | 14595.76 | 1173.88 | 13421.88 | 420010.57 |
| 7 | 2025-10 | 14595.76 | 1137.53 | 13458.23 | 406552.34 |
| 8 | 2025-11 | 14595.76 | 1101.08 | 13494.68 | 393057.66 |
| 9 | 2025-12 | 14595.76 | 1064.53 | 13531.23 | 379526.43 |
| 10 | 2026-01 | 14595.76 | 1027.88 | 13567.87 | 365958.56 |
| 11 | 2026-02 | 14595.76 | 991.14 | 13604.62 | 352353.94 |
| 12 | 2026-03 | 14595.76 | 954.29 | 13641.47 | 338712.48 |
| 13 | 2026-04 | 14595.76 | 917.35 | 13678.41 | 325034.06 |
| 14 | 2026-05 | 14595.76 | 880.30 | 13715.46 | 311318.61 |
| 15 | 2026-06 | 14595.76 | 843.15 | 13752.60 | 297566.00 |
| 16 | 2026-07 | 14595.76 | 805.91 | 13789.85 | 283776.15 |
| 17 | 2026-08 | 14595.76 | 768.56 | 13827.20 | 269948.96 |
| 18 | 2026-09 | 14595.76 | 731.11 | 13864.65 | 256084.31 |
| 19 | 2026-10 | 14595.76 | 693.56 | 13902.20 | 242182.12 |
| 20 | 2026-11 | 14595.76 | 655.91 | 13939.85 | 228242.27 |
| 21 | 2026-12 | 14595.76 | 618.16 | 13977.60 | 214264.67 |
| 22 | 2027-01 | 14595.76 | 580.30 | 14015.46 | 200249.21 |
| 23 | 2027-02 | 14595.76 | 542.34 | 14053.42 | 186195.79 |
| 24 | 2027-03 | 14595.76 | 504.28 | 14091.48 | 172104.32 |
| 25 | 2027-04 | 14595.76 | 466.12 | 14129.64 | 157974.67 |
| 26 | 2027-05 | 14595.76 | 427.85 | 14167.91 | 143806.76 |
| 27 | 2027-06 | 14595.76 | 389.48 | 14206.28 | 129600.48 |
| 28 | 2027-07 | 14595.76 | 351.00 | 14244.76 | 115355.73 |
| 29 | 2027-08 | 14595.76 | 312.42 | 14283.34 | 101072.39 |
| 30 | 2027-09 | 14595.76 | 273.74 | 14322.02 | 86750.37 |
| 31 | 2027-10 | 14595.76 | 234.95 | 14360.81 | 72389.56 |
| 32 | 2027-11 | 14595.76 | 196.06 | 14399.70 | 57989.86 |
| 33 | 2027-12 | 14595.76 | 157.06 | 14438.70 | 43551.16 |
| 34 | 2028-01 | 14595.76 | 117.95 | 14477.81 | 29073.35 |
| 35 | 2028-02 | 14595.76 | 78.74 | 14517.02 | 14556.33 |
| 36 | 2028-03 | 14595.76 | 39.42 | 14556.33 | 0.00 |
等额本金还款方式：
贷款总额：50万
还款月数：3年
首月还款：15243.06元
每月递减：37.62元
利息总额：2.51万
本息合计：52.51万
节省利息：395.19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 | 15243.06 | 1354.17 | 13888.89 | 486111.11 |
| 2 | 2025-05 | 15205.44 | 1316.55 | 13888.89 | 472222.22 |
| 3 | 2025-06 | 15167.82 | 1278.94 | 13888.89 | 458333.33 |
| 4 | 2025-07 | 15130.21 | 1241.32 | 13888.89 | 444444.44 |
| 5 | 2025-08 | 15092.59 | 1203.70 | 13888.89 | 430555.56 |
| 6 | 2025-09 | 15054.98 | 1166.09 | 13888.89 | 416666.67 |
| 7 | 2025-10 | 15017.36 | 1128.47 | 13888.89 | 402777.78 |
| 8 | 2025-11 | 14979.75 | 1090.86 | 13888.89 | 388888.89 |
| 9 | 2025-12 | 14942.13 | 1053.24 | 13888.89 | 375000.00 |
| 10 | 2026-01 | 14904.51 | 1015.63 | 13888.89 | 361111.11 |
| 11 | 2026-02 | 14866.90 | 978.01 | 13888.89 | 347222.22 |
| 12 | 2026-03 | 14829.28 | 940.39 | 13888.89 | 333333.33 |
| 13 | 2026-04 | 14791.67 | 902.78 | 13888.89 | 319444.44 |
| 14 | 2026-05 | 14754.05 | 865.16 | 13888.89 | 305555.56 |
| 15 | 2026-06 | 14716.44 | 827.55 | 13888.89 | 291666.67 |
| 16 | 2026-07 | 14678.82 | 789.93 | 13888.89 | 277777.78 |
| 17 | 2026-08 | 14641.20 | 752.31 | 13888.89 | 263888.89 |
| 18 | 2026-09 | 14603.59 | 714.70 | 13888.89 | 250000.00 |
| 19 | 2026-10 | 14565.97 | 677.08 | 13888.89 | 236111.11 |
| 20 | 2026-11 | 14528.36 | 639.47 | 13888.89 | 222222.22 |
| 21 | 2026-12 | 14490.74 | 601.85 | 13888.89 | 208333.33 |
| 22 | 2027-01 | 14453.13 | 564.24 | 13888.89 | 194444.44 |
| 23 | 2027-02 | 14415.51 | 526.62 | 13888.89 | 180555.56 |
| 24 | 2027-03 | 14377.89 | 489.00 | 13888.89 | 166666.67 |
| 25 | 2027-04 | 14340.28 | 451.39 | 13888.89 | 152777.78 |
| 26 | 2027-05 | 14302.66 | 413.77 | 13888.89 | 138888.89 |
| 27 | 2027-06 | 14265.05 | 376.16 | 13888.89 | 125000.00 |
| 28 | 2027-07 | 14227.43 | 338.54 | 13888.89 | 111111.11 |
| 29 | 2027-08 | 14189.81 | 300.93 | 13888.89 | 97222.22 |
| 30 | 2027-09 | 14152.20 | 263.31 | 13888.89 | 83333.33 |
| 31 | 2027-10 | 14114.58 | 225.69 | 13888.89 | 69444.44 |
| 32 | 2027-11 | 14076.97 | 188.08 | 13888.89 | 55555.56 |
| 33 | 2027-12 | 14039.35 | 150.46 | 13888.89 | 41666.67 |
| 34 | 2028-01 | 14001.74 | 112.85 | 13888.89 | 27777.78 |
| 35 | 2028-02 | 13964.12 | 75.23 | 13888.89 | 13888.89 |
| 36 | 2028-03 | 13926.50 | 37.62 | 13888.89 | 0.00 |