贷款3000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：3000元
还款月数：3年
每月还款：87.55元
利息总额：151.73元
本息合计：3151.73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 | 87.55 | 8.08 | 79.47 | 2920.53 |
| 2 | 2024-10 | 87.55 | 7.86 | 79.69 | 2840.84 |
| 3 | 2024-11 | 87.55 | 7.65 | 79.90 | 2760.94 |
| 4 | 2024-12 | 87.55 | 7.43 | 80.12 | 2680.82 |
| 5 | 2025-01 | 87.55 | 7.22 | 80.33 | 2600.49 |
| 6 | 2025-02 | 87.55 | 7.00 | 80.55 | 2519.94 |
| 7 | 2025-03 | 87.55 | 6.78 | 80.77 | 2439.18 |
| 8 | 2025-04 | 87.55 | 6.57 | 80.98 | 2358.19 |
| 9 | 2025-05 | 87.55 | 6.35 | 81.20 | 2276.99 |
| 10 | 2025-06 | 87.55 | 6.13 | 81.42 | 2195.57 |
| 11 | 2025-07 | 87.55 | 5.91 | 81.64 | 2113.94 |
| 12 | 2025-08 | 87.55 | 5.69 | 81.86 | 2032.08 |
| 13 | 2025-09 | 87.55 | 5.47 | 82.08 | 1950.00 |
| 14 | 2025-10 | 87.55 | 5.25 | 82.30 | 1867.70 |
| 15 | 2025-11 | 87.55 | 5.03 | 82.52 | 1785.18 |
| 16 | 2025-12 | 87.55 | 4.81 | 82.74 | 1702.44 |
| 17 | 2026-01 | 87.55 | 4.58 | 82.97 | 1619.47 |
| 18 | 2026-02 | 87.55 | 4.36 | 83.19 | 1536.28 |
| 19 | 2026-03 | 87.55 | 4.14 | 83.41 | 1452.87 |
| 20 | 2026-04 | 87.55 | 3.91 | 83.64 | 1369.23 |
| 21 | 2026-05 | 87.55 | 3.69 | 83.86 | 1285.37 |
| 22 | 2026-06 | 87.55 | 3.46 | 84.09 | 1201.28 |
| 23 | 2026-07 | 87.55 | 3.23 | 84.31 | 1116.97 |
| 24 | 2026-08 | 87.55 | 3.01 | 84.54 | 1032.42 |
| 25 | 2026-09 | 87.55 | 2.78 | 84.77 | 947.66 |
| 26 | 2026-10 | 87.55 | 2.55 | 85.00 | 862.66 |
| 27 | 2026-11 | 87.55 | 2.32 | 85.23 | 777.43 |
| 28 | 2026-12 | 87.55 | 2.09 | 85.46 | 691.98 |
| 29 | 2027-01 | 87.55 | 1.86 | 85.69 | 606.29 |
| 30 | 2027-02 | 87.55 | 1.63 | 85.92 | 520.37 |
| 31 | 2027-03 | 87.55 | 1.40 | 86.15 | 434.23 |
| 32 | 2027-04 | 87.55 | 1.17 | 86.38 | 347.85 |
| 33 | 2027-05 | 87.55 | 0.94 | 86.61 | 261.24 |
| 34 | 2027-06 | 87.55 | 0.70 | 86.84 | 174.39 |
| 35 | 2027-07 | 87.55 | 0.47 | 87.08 | 87.31 |
| 36 | 2027-08 | 87.55 | 0.24 | 87.31 | 0.00 |
等额本金还款方式：
贷款总额：3000元
还款月数：3年
首月还款：91.41元
每月递减：0.22元
利息总额：149.39元
本息合计：3149.39元
节省利息：2.34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 | 91.41 | 8.08 | 83.33 | 2916.67 |
| 2 | 2024-10 | 91.18 | 7.85 | 83.33 | 2833.33 |
| 3 | 2024-11 | 90.96 | 7.63 | 83.33 | 2750.00 |
| 4 | 2024-12 | 90.74 | 7.40 | 83.33 | 2666.67 |
| 5 | 2025-01 | 90.51 | 7.18 | 83.33 | 2583.33 |
| 6 | 2025-02 | 90.29 | 6.95 | 83.33 | 2500.00 |
| 7 | 2025-03 | 90.06 | 6.73 | 83.33 | 2416.67 |
| 8 | 2025-04 | 89.84 | 6.50 | 83.33 | 2333.33 |
| 9 | 2025-05 | 89.61 | 6.28 | 83.33 | 2250.00 |
| 10 | 2025-06 | 89.39 | 6.06 | 83.33 | 2166.67 |
| 11 | 2025-07 | 89.17 | 5.83 | 83.33 | 2083.33 |
| 12 | 2025-08 | 88.94 | 5.61 | 83.33 | 2000.00 |
| 13 | 2025-09 | 88.72 | 5.38 | 83.33 | 1916.67 |
| 14 | 2025-10 | 88.49 | 5.16 | 83.33 | 1833.33 |
| 15 | 2025-11 | 88.27 | 4.93 | 83.33 | 1750.00 |
| 16 | 2025-12 | 88.04 | 4.71 | 83.33 | 1666.67 |
| 17 | 2026-01 | 87.82 | 4.49 | 83.33 | 1583.33 |
| 18 | 2026-02 | 87.60 | 4.26 | 83.33 | 1500.00 |
| 19 | 2026-03 | 87.37 | 4.04 | 83.33 | 1416.67 |
| 20 | 2026-04 | 87.15 | 3.81 | 83.33 | 1333.33 |
| 21 | 2026-05 | 86.92 | 3.59 | 83.33 | 1250.00 |
| 22 | 2026-06 | 86.70 | 3.36 | 83.33 | 1166.67 |
| 23 | 2026-07 | 86.47 | 3.14 | 83.33 | 1083.33 |
| 24 | 2026-08 | 86.25 | 2.92 | 83.33 | 1000.00 |
| 25 | 2026-09 | 86.02 | 2.69 | 83.33 | 916.67 |
| 26 | 2026-10 | 85.80 | 2.47 | 83.33 | 833.33 |
| 27 | 2026-11 | 85.58 | 2.24 | 83.33 | 750.00 |
| 28 | 2026-12 | 85.35 | 2.02 | 83.33 | 666.67 |
| 29 | 2027-01 | 85.13 | 1.79 | 83.33 | 583.33 |
| 30 | 2027-02 | 84.90 | 1.57 | 83.33 | 500.00 |
| 31 | 2027-03 | 84.68 | 1.35 | 83.33 | 416.67 |
| 32 | 2027-04 | 84.45 | 1.12 | 83.33 | 333.33 |
| 33 | 2027-05 | 84.23 | 0.90 | 83.33 | 250.00 |
| 34 | 2027-06 | 84.01 | 0.67 | 83.33 | 166.67 |
| 35 | 2027-07 | 83.78 | 0.45 | 83.33 | 83.33 |
| 36 | 2027-08 | 83.56 | 0.22 | 83.33 | 0.00 |