贷款13.74万（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：13.74万
还款月数：3年
每月还款：3985.98元
利息总额：6119.46元
本息合计：14.35万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-09 | 3985.98 | 326.27 | 3659.71 | 133716.11 |
| 2 | 2026-10 | 3985.98 | 317.58 | 3668.40 | 130047.70 |
| 3 | 2026-11 | 3985.98 | 308.86 | 3677.12 | 126370.59 |
| 4 | 2026-12 | 3985.98 | 300.13 | 3685.85 | 122684.74 |
| 5 | 2027-01 | 3985.98 | 291.38 | 3694.60 | 118990.13 |
| 6 | 2027-02 | 3985.98 | 282.60 | 3703.38 | 115286.75 |
| 7 | 2027-03 | 3985.98 | 273.81 | 3712.17 | 111574.58 |
| 8 | 2027-04 | 3985.98 | 264.99 | 3720.99 | 107853.59 |
| 9 | 2027-05 | 3985.98 | 256.15 | 3729.83 | 104123.76 |
| 10 | 2027-06 | 3985.98 | 247.29 | 3738.69 | 100385.08 |
| 11 | 2027-07 | 3985.98 | 238.41 | 3747.57 | 96637.51 |
| 12 | 2027-08 | 3985.98 | 229.51 | 3756.47 | 92881.04 |
| 13 | 2027-09 | 3985.98 | 220.59 | 3765.39 | 89115.66 |
| 14 | 2027-10 | 3985.98 | 211.65 | 3774.33 | 85341.33 |
| 15 | 2027-11 | 3985.98 | 202.69 | 3783.29 | 81558.03 |
| 16 | 2027-12 | 3985.98 | 193.70 | 3792.28 | 77765.75 |
| 17 | 2028-01 | 3985.98 | 184.69 | 3801.29 | 73964.47 |
| 18 | 2028-02 | 3985.98 | 175.67 | 3810.31 | 70154.15 |
| 19 | 2028-03 | 3985.98 | 166.62 | 3819.36 | 66334.79 |
| 20 | 2028-04 | 3985.98 | 157.55 | 3828.43 | 62506.35 |
| 21 | 2028-05 | 3985.98 | 148.45 | 3837.53 | 58668.82 |
| 22 | 2028-06 | 3985.98 | 139.34 | 3846.64 | 54822.18 |
| 23 | 2028-07 | 3985.98 | 130.20 | 3855.78 | 50966.40 |
| 24 | 2028-08 | 3985.98 | 121.05 | 3864.93 | 47101.47 |
| 25 | 2028-09 | 3985.98 | 111.87 | 3874.11 | 43227.36 |
| 26 | 2028-10 | 3985.98 | 102.66 | 3883.32 | 39344.04 |
| 27 | 2028-11 | 3985.98 | 93.44 | 3892.54 | 35451.50 |
| 28 | 2028-12 | 3985.98 | 84.20 | 3901.78 | 31549.72 |
| 29 | 2029-01 | 3985.98 | 74.93 | 3911.05 | 27638.67 |
| 30 | 2029-02 | 3985.98 | 65.64 | 3920.34 | 23718.33 |
| 31 | 2029-03 | 3985.98 | 56.33 | 3929.65 | 19788.68 |
| 32 | 2029-04 | 3985.98 | 47.00 | 3938.98 | 15849.70 |
| 33 | 2029-05 | 3985.98 | 37.64 | 3948.34 | 11901.36 |
| 34 | 2029-06 | 3985.98 | 28.27 | 3957.71 | 7943.65 |
| 35 | 2029-07 | 3985.98 | 18.87 | 3967.11 | 3976.54 |
| 36 | 2029-08 | 3985.98 | 9.44 | 3976.54 | 0.00 |
等额本金还款方式：
贷款总额：13.74万
还款月数：3年
首月还款：4142.26元
每月递减：9.06元
利息总额：6035.95元
本息合计：14.34万
节省利息：83.51元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-09 | 4142.26 | 326.27 | 3816.00 | 133559.83 |
| 2 | 2026-10 | 4133.20 | 317.20 | 3816.00 | 129743.83 |
| 3 | 2026-11 | 4124.14 | 308.14 | 3816.00 | 125927.84 |
| 4 | 2026-12 | 4115.07 | 299.08 | 3816.00 | 122111.84 |
| 5 | 2027-01 | 4106.01 | 290.02 | 3816.00 | 118295.85 |
| 6 | 2027-02 | 4096.95 | 280.95 | 3816.00 | 114479.85 |
| 7 | 2027-03 | 4087.88 | 271.89 | 3816.00 | 110663.86 |
| 8 | 2027-04 | 4078.82 | 262.83 | 3816.00 | 106847.86 |
| 9 | 2027-05 | 4069.76 | 253.76 | 3816.00 | 103031.87 |
| 10 | 2027-06 | 4060.70 | 244.70 | 3816.00 | 99215.87 |
| 11 | 2027-07 | 4051.63 | 235.64 | 3816.00 | 95399.88 |
| 12 | 2027-08 | 4042.57 | 226.57 | 3816.00 | 91583.88 |
| 13 | 2027-09 | 4033.51 | 217.51 | 3816.00 | 87767.89 |
| 14 | 2027-10 | 4024.44 | 208.45 | 3816.00 | 83951.89 |
| 15 | 2027-11 | 4015.38 | 199.39 | 3816.00 | 80135.90 |
| 16 | 2027-12 | 4006.32 | 190.32 | 3816.00 | 76319.90 |
| 17 | 2028-01 | 3997.25 | 181.26 | 3816.00 | 72503.90 |
| 18 | 2028-02 | 3988.19 | 172.20 | 3816.00 | 68687.91 |
| 19 | 2028-03 | 3979.13 | 163.13 | 3816.00 | 64871.91 |
| 20 | 2028-04 | 3970.07 | 154.07 | 3816.00 | 61055.92 |
| 21 | 2028-05 | 3961.00 | 145.01 | 3816.00 | 57239.93 |
| 22 | 2028-06 | 3951.94 | 135.94 | 3816.00 | 53423.93 |
| 23 | 2028-07 | 3942.88 | 126.88 | 3816.00 | 49607.93 |
| 24 | 2028-08 | 3933.81 | 117.82 | 3816.00 | 45791.94 |
| 25 | 2028-09 | 3924.75 | 108.76 | 3816.00 | 41975.94 |
| 26 | 2028-10 | 3915.69 | 99.69 | 3816.00 | 38159.95 |
| 27 | 2028-11 | 3906.62 | 90.63 | 3816.00 | 34343.96 |
| 28 | 2028-12 | 3897.56 | 81.57 | 3816.00 | 30527.96 |
| 29 | 2029-01 | 3888.50 | 72.50 | 3816.00 | 26711.96 |
| 30 | 2029-02 | 3879.44 | 63.44 | 3816.00 | 22895.97 |
| 31 | 2029-03 | 3870.37 | 54.38 | 3816.00 | 19079.97 |
| 32 | 2029-04 | 3861.31 | 45.31 | 3816.00 | 15263.98 |
| 33 | 2029-05 | 3852.25 | 36.25 | 3816.00 | 11447.99 |
| 34 | 2029-06 | 3843.18 | 27.19 | 3816.00 | 7631.99 |
| 35 | 2029-07 | 3834.12 | 18.13 | 3816.00 | 3815.99 |
| 36 | 2029-08 | 3825.06 | 9.06 | 3816.00 | 0.00 |