贷款15万（公积金贷款）房贷，还款4年2个月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：15万
还款月数：4年2个月
每月还款：3185.21元
利息总额：9260.32元
本息合计：15.93万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 3185.21 | 356.25 | 2828.96 | 147171.04 |
| 2 | 2025-03 | 3185.21 | 349.53 | 2835.68 | 144335.37 |
| 3 | 2025-04 | 3185.21 | 342.80 | 2842.41 | 141492.96 |
| 4 | 2025-05 | 3185.21 | 336.05 | 2849.16 | 138643.80 |
| 5 | 2025-06 | 3185.21 | 329.28 | 2855.93 | 135787.87 |
| 6 | 2025-07 | 3185.21 | 322.50 | 2862.71 | 132925.16 |
| 7 | 2025-08 | 3185.21 | 315.70 | 2869.51 | 130055.65 |
| 8 | 2025-09 | 3185.21 | 308.88 | 2876.32 | 127179.33 |
| 9 | 2025-10 | 3185.21 | 302.05 | 2883.16 | 124296.17 |
| 10 | 2025-11 | 3185.21 | 295.20 | 2890.00 | 121406.17 |
| 11 | 2025-12 | 3185.21 | 288.34 | 2896.87 | 118509.30 |
| 12 | 2026-01 | 3185.21 | 281.46 | 2903.75 | 115605.55 |
| 13 | 2026-02 | 3185.21 | 274.56 | 2910.64 | 112694.91 |
| 14 | 2026-03 | 3185.21 | 267.65 | 2917.56 | 109777.35 |
| 15 | 2026-04 | 3185.21 | 260.72 | 2924.49 | 106852.87 |
| 16 | 2026-05 | 3185.21 | 253.78 | 2931.43 | 103921.44 |
| 17 | 2026-06 | 3185.21 | 246.81 | 2938.39 | 100983.05 |
| 18 | 2026-07 | 3185.21 | 239.83 | 2945.37 | 98037.67 |
| 19 | 2026-08 | 3185.21 | 232.84 | 2952.37 | 95085.31 |
| 20 | 2026-09 | 3185.21 | 225.83 | 2959.38 | 92125.93 |
| 21 | 2026-10 | 3185.21 | 218.80 | 2966.41 | 89159.52 |
| 22 | 2026-11 | 3185.21 | 211.75 | 2973.45 | 86186.07 |
| 23 | 2026-12 | 3185.21 | 204.69 | 2980.51 | 83205.55 |
| 24 | 2027-01 | 3185.21 | 197.61 | 2987.59 | 80217.96 |
| 25 | 2027-02 | 3185.21 | 190.52 | 2994.69 | 77223.27 |
| 26 | 2027-03 | 3185.21 | 183.41 | 3001.80 | 74221.47 |
| 27 | 2027-04 | 3185.21 | 176.28 | 3008.93 | 71212.54 |
| 28 | 2027-05 | 3185.21 | 169.13 | 3016.08 | 68196.46 |
| 29 | 2027-06 | 3185.21 | 161.97 | 3023.24 | 65173.22 |
| 30 | 2027-07 | 3185.21 | 154.79 | 3030.42 | 62142.80 |
| 31 | 2027-08 | 3185.21 | 147.59 | 3037.62 | 59105.19 |
| 32 | 2027-09 | 3185.21 | 140.37 | 3044.83 | 56060.35 |
| 33 | 2027-10 | 3185.21 | 133.14 | 3052.06 | 53008.29 |
| 34 | 2027-11 | 3185.21 | 125.89 | 3059.31 | 49948.98 |
| 35 | 2027-12 | 3185.21 | 118.63 | 3066.58 | 46882.40 |
| 36 | 2028-01 | 3185.21 | 111.35 | 3073.86 | 43808.54 |
| 37 | 2028-02 | 3185.21 | 104.05 | 3081.16 | 40727.38 |
| 38 | 2028-03 | 3185.21 | 96.73 | 3088.48 | 37638.90 |
| 39 | 2028-04 | 3185.21 | 89.39 | 3095.81 | 34543.09 |
| 40 | 2028-05 | 3185.21 | 82.04 | 3103.17 | 31439.92 |
| 41 | 2028-06 | 3185.21 | 74.67 | 3110.54 | 28329.38 |
| 42 | 2028-07 | 3185.21 | 67.28 | 3117.92 | 25211.46 |
| 43 | 2028-08 | 3185.21 | 59.88 | 3125.33 | 22086.13 |
| 44 | 2028-09 | 3185.21 | 52.45 | 3132.75 | 18953.38 |
| 45 | 2028-10 | 3185.21 | 45.01 | 3140.19 | 15813.19 |
| 46 | 2028-11 | 3185.21 | 37.56 | 3147.65 | 12665.54 |
| 47 | 2028-12 | 3185.21 | 30.08 | 3155.13 | 9510.41 |
| 48 | 2029-01 | 3185.21 | 22.59 | 3162.62 | 6347.79 |
| 49 | 2029-02 | 3185.21 | 15.08 | 3170.13 | 3177.66 |
| 50 | 2029-03 | 3185.21 | 7.55 | 3177.66 | 0.00 |
等额本金还款方式：
贷款总额：15万
还款月数：4年2个月
首月还款：3356.25元
每月递减：7.13元
利息总额：9084.38元
本息合计：15.91万
节省利息：175.95元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 3356.25 | 356.25 | 3000.00 | 147000.00 |
| 2 | 2025-03 | 3349.13 | 349.13 | 3000.00 | 144000.00 |
| 3 | 2025-04 | 3342.00 | 342.00 | 3000.00 | 141000.00 |
| 4 | 2025-05 | 3334.88 | 334.88 | 3000.00 | 138000.00 |
| 5 | 2025-06 | 3327.75 | 327.75 | 3000.00 | 135000.00 |
| 6 | 2025-07 | 3320.63 | 320.63 | 3000.00 | 132000.00 |
| 7 | 2025-08 | 3313.50 | 313.50 | 3000.00 | 129000.00 |
| 8 | 2025-09 | 3306.38 | 306.38 | 3000.00 | 126000.00 |
| 9 | 2025-10 | 3299.25 | 299.25 | 3000.00 | 123000.00 |
| 10 | 2025-11 | 3292.13 | 292.13 | 3000.00 | 120000.00 |
| 11 | 2025-12 | 3285.00 | 285.00 | 3000.00 | 117000.00 |
| 12 | 2026-01 | 3277.88 | 277.88 | 3000.00 | 114000.00 |
| 13 | 2026-02 | 3270.75 | 270.75 | 3000.00 | 111000.00 |
| 14 | 2026-03 | 3263.63 | 263.63 | 3000.00 | 108000.00 |
| 15 | 2026-04 | 3256.50 | 256.50 | 3000.00 | 105000.00 |
| 16 | 2026-05 | 3249.38 | 249.38 | 3000.00 | 102000.00 |
| 17 | 2026-06 | 3242.25 | 242.25 | 3000.00 | 99000.00 |
| 18 | 2026-07 | 3235.13 | 235.13 | 3000.00 | 96000.00 |
| 19 | 2026-08 | 3228.00 | 228.00 | 3000.00 | 93000.00 |
| 20 | 2026-09 | 3220.88 | 220.88 | 3000.00 | 90000.00 |
| 21 | 2026-10 | 3213.75 | 213.75 | 3000.00 | 87000.00 |
| 22 | 2026-11 | 3206.63 | 206.63 | 3000.00 | 84000.00 |
| 23 | 2026-12 | 3199.50 | 199.50 | 3000.00 | 81000.00 |
| 24 | 2027-01 | 3192.38 | 192.38 | 3000.00 | 78000.00 |
| 25 | 2027-02 | 3185.25 | 185.25 | 3000.00 | 75000.00 |
| 26 | 2027-03 | 3178.13 | 178.13 | 3000.00 | 72000.00 |
| 27 | 2027-04 | 3171.00 | 171.00 | 3000.00 | 69000.00 |
| 28 | 2027-05 | 3163.88 | 163.88 | 3000.00 | 66000.00 |
| 29 | 2027-06 | 3156.75 | 156.75 | 3000.00 | 63000.00 |
| 30 | 2027-07 | 3149.63 | 149.63 | 3000.00 | 60000.00 |
| 31 | 2027-08 | 3142.50 | 142.50 | 3000.00 | 57000.00 |
| 32 | 2027-09 | 3135.38 | 135.38 | 3000.00 | 54000.00 |
| 33 | 2027-10 | 3128.25 | 128.25 | 3000.00 | 51000.00 |
| 34 | 2027-11 | 3121.13 | 121.13 | 3000.00 | 48000.00 |
| 35 | 2027-12 | 3114.00 | 114.00 | 3000.00 | 45000.00 |
| 36 | 2028-01 | 3106.88 | 106.88 | 3000.00 | 42000.00 |
| 37 | 2028-02 | 3099.75 | 99.75 | 3000.00 | 39000.00 |
| 38 | 2028-03 | 3092.63 | 92.63 | 3000.00 | 36000.00 |
| 39 | 2028-04 | 3085.50 | 85.50 | 3000.00 | 33000.00 |
| 40 | 2028-05 | 3078.38 | 78.38 | 3000.00 | 30000.00 |
| 41 | 2028-06 | 3071.25 | 71.25 | 3000.00 | 27000.00 |
| 42 | 2028-07 | 3064.13 | 64.13 | 3000.00 | 24000.00 |
| 43 | 2028-08 | 3057.00 | 57.00 | 3000.00 | 21000.00 |
| 44 | 2028-09 | 3049.88 | 49.88 | 3000.00 | 18000.00 |
| 45 | 2028-10 | 3042.75 | 42.75 | 3000.00 | 15000.00 |
| 46 | 2028-11 | 3035.63 | 35.63 | 3000.00 | 12000.00 |
| 47 | 2028-12 | 3028.50 | 28.50 | 3000.00 | 9000.00 |
| 48 | 2029-01 | 3021.38 | 21.38 | 3000.00 | 6000.00 |
| 49 | 2029-02 | 3014.25 | 14.25 | 3000.00 | 3000.00 |
| 50 | 2029-03 | 3007.13 | 7.13 | 3000.00 | 0.00 |