贷款5000元（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：5000元
还款月数：3年
每月还款：145.91元
利息总额：252.88元
本息合计：5252.88元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 145.91 | 13.46 | 132.46 | 4867.54 |
| 2 | 2024-10 | 145.91 | 13.10 | 132.81 | 4734.73 |
| 3 | 2024-11 | 145.91 | 12.74 | 133.17 | 4601.56 |
| 4 | 2024-12 | 145.91 | 12.39 | 133.53 | 4468.04 |
| 5 | 2025-01 | 145.91 | 12.03 | 133.89 | 4334.15 |
| 6 | 2025-02 | 145.91 | 11.67 | 134.25 | 4199.90 |
| 7 | 2025-03 | 145.91 | 11.30 | 134.61 | 4065.29 |
| 8 | 2025-04 | 145.91 | 10.94 | 134.97 | 3930.32 |
| 9 | 2025-05 | 145.91 | 10.58 | 135.33 | 3794.99 |
| 10 | 2025-06 | 145.91 | 10.21 | 135.70 | 3659.29 |
| 11 | 2025-07 | 145.91 | 9.85 | 136.06 | 3523.23 |
| 12 | 2025-08 | 145.91 | 9.48 | 136.43 | 3386.80 |
| 13 | 2025-09 | 145.91 | 9.12 | 136.80 | 3250.00 |
| 14 | 2025-10 | 145.91 | 8.75 | 137.17 | 3112.83 |
| 15 | 2025-11 | 145.91 | 8.38 | 137.53 | 2975.30 |
| 16 | 2025-12 | 145.91 | 8.01 | 137.90 | 2837.39 |
| 17 | 2026-01 | 145.91 | 7.64 | 138.28 | 2699.12 |
| 18 | 2026-02 | 145.91 | 7.27 | 138.65 | 2560.47 |
| 19 | 2026-03 | 145.91 | 6.89 | 139.02 | 2421.45 |
| 20 | 2026-04 | 145.91 | 6.52 | 139.40 | 2282.05 |
| 21 | 2026-05 | 145.91 | 6.14 | 139.77 | 2142.28 |
| 22 | 2026-06 | 145.91 | 5.77 | 140.15 | 2002.13 |
| 23 | 2026-07 | 145.91 | 5.39 | 140.52 | 1861.61 |
| 24 | 2026-08 | 145.91 | 5.01 | 140.90 | 1720.71 |
| 25 | 2026-09 | 145.91 | 4.63 | 141.28 | 1579.43 |
| 26 | 2026-10 | 145.91 | 4.25 | 141.66 | 1437.76 |
| 27 | 2026-11 | 145.91 | 3.87 | 142.04 | 1295.72 |
| 28 | 2026-12 | 145.91 | 3.49 | 142.43 | 1153.29 |
| 29 | 2027-01 | 145.91 | 3.10 | 142.81 | 1010.49 |
| 30 | 2027-02 | 145.91 | 2.72 | 143.19 | 867.29 |
| 31 | 2027-03 | 145.91 | 2.33 | 143.58 | 723.71 |
| 32 | 2027-04 | 145.91 | 1.95 | 143.97 | 579.75 |
| 33 | 2027-05 | 145.91 | 1.56 | 144.35 | 435.39 |
| 34 | 2027-06 | 145.91 | 1.17 | 144.74 | 290.65 |
| 35 | 2027-07 | 145.91 | 0.78 | 145.13 | 145.52 |
| 36 | 2027-08 | 145.91 | 0.39 | 145.52 | 0.00 |
等额本金还款方式：
贷款总额：5000元
还款月数：3年
首月还款：152.35元
每月递减：0.37元
利息总额：248.98元
本息合计：5248.98元
节省利息：3.9元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 152.35 | 13.46 | 138.89 | 4861.11 |
| 2 | 2024-10 | 151.97 | 13.08 | 138.89 | 4722.22 |
| 3 | 2024-11 | 151.60 | 12.71 | 138.89 | 4583.33 |
| 4 | 2024-12 | 151.23 | 12.34 | 138.89 | 4444.44 |
| 5 | 2025-01 | 150.85 | 11.96 | 138.89 | 4305.56 |
| 6 | 2025-02 | 150.48 | 11.59 | 138.89 | 4166.67 |
| 7 | 2025-03 | 150.10 | 11.22 | 138.89 | 4027.78 |
| 8 | 2025-04 | 149.73 | 10.84 | 138.89 | 3888.89 |
| 9 | 2025-05 | 149.36 | 10.47 | 138.89 | 3750.00 |
| 10 | 2025-06 | 148.98 | 10.09 | 138.89 | 3611.11 |
| 11 | 2025-07 | 148.61 | 9.72 | 138.89 | 3472.22 |
| 12 | 2025-08 | 148.23 | 9.35 | 138.89 | 3333.33 |
| 13 | 2025-09 | 147.86 | 8.97 | 138.89 | 3194.44 |
| 14 | 2025-10 | 147.49 | 8.60 | 138.89 | 3055.56 |
| 15 | 2025-11 | 147.11 | 8.22 | 138.89 | 2916.67 |
| 16 | 2025-12 | 146.74 | 7.85 | 138.89 | 2777.78 |
| 17 | 2026-01 | 146.37 | 7.48 | 138.89 | 2638.89 |
| 18 | 2026-02 | 145.99 | 7.10 | 138.89 | 2500.00 |
| 19 | 2026-03 | 145.62 | 6.73 | 138.89 | 2361.11 |
| 20 | 2026-04 | 145.24 | 6.36 | 138.89 | 2222.22 |
| 21 | 2026-05 | 144.87 | 5.98 | 138.89 | 2083.33 |
| 22 | 2026-06 | 144.50 | 5.61 | 138.89 | 1944.44 |
| 23 | 2026-07 | 144.12 | 5.23 | 138.89 | 1805.56 |
| 24 | 2026-08 | 143.75 | 4.86 | 138.89 | 1666.67 |
| 25 | 2026-09 | 143.38 | 4.49 | 138.89 | 1527.78 |
| 26 | 2026-10 | 143.00 | 4.11 | 138.89 | 1388.89 |
| 27 | 2026-11 | 142.63 | 3.74 | 138.89 | 1250.00 |
| 28 | 2026-12 | 142.25 | 3.36 | 138.89 | 1111.11 |
| 29 | 2027-01 | 141.88 | 2.99 | 138.89 | 972.22 |
| 30 | 2027-02 | 141.51 | 2.62 | 138.89 | 833.33 |
| 31 | 2027-03 | 141.13 | 2.24 | 138.89 | 694.44 |
| 32 | 2027-04 | 140.76 | 1.87 | 138.89 | 555.56 |
| 33 | 2027-05 | 140.38 | 1.50 | 138.89 | 416.67 |
| 34 | 2027-06 | 140.01 | 1.12 | 138.89 | 277.78 |
| 35 | 2027-07 | 139.64 | 0.75 | 138.89 | 138.89 |
| 36 | 2027-08 | 139.26 | 0.37 | 138.89 | 0.00 |