贷款13.74万（公积金贷款）房贷，还款3年4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：13.74万
还款月数：3年4个月
每月还款：3604.19元
利息总额：6791.6元
本息合计：14.42万
| 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 | 3604.19 | 326.27 | 3277.92 | 134097.90 |
| 2 | 2026-10 | 3604.19 | 318.48 | 3285.70 | 130812.20 |
| 3 | 2026-11 | 3604.19 | 310.68 | 3293.51 | 127518.69 |
| 4 | 2026-12 | 3604.19 | 302.86 | 3301.33 | 124217.36 |
| 5 | 2027-01 | 3604.19 | 295.02 | 3309.17 | 120908.19 |
| 6 | 2027-02 | 3604.19 | 287.16 | 3317.03 | 117591.17 |
| 7 | 2027-03 | 3604.19 | 279.28 | 3324.91 | 114266.26 |
| 8 | 2027-04 | 3604.19 | 271.38 | 3332.80 | 110933.46 |
| 9 | 2027-05 | 3604.19 | 263.47 | 3340.72 | 107592.74 |
| 10 | 2027-06 | 3604.19 | 255.53 | 3348.65 | 104244.09 |
| 11 | 2027-07 | 3604.19 | 247.58 | 3356.61 | 100887.48 |
| 12 | 2027-08 | 3604.19 | 239.61 | 3364.58 | 97522.90 |
| 13 | 2027-09 | 3604.19 | 231.62 | 3372.57 | 94150.33 |
| 14 | 2027-10 | 3604.19 | 223.61 | 3380.58 | 90769.75 |
| 15 | 2027-11 | 3604.19 | 215.58 | 3388.61 | 87381.15 |
| 16 | 2027-12 | 3604.19 | 207.53 | 3396.66 | 83984.49 |
| 17 | 2028-01 | 3604.19 | 199.46 | 3404.72 | 80579.77 |
| 18 | 2028-02 | 3604.19 | 191.38 | 3412.81 | 77166.96 |
| 19 | 2028-03 | 3604.19 | 183.27 | 3420.91 | 73746.05 |
| 20 | 2028-04 | 3604.19 | 175.15 | 3429.04 | 70317.01 |
| 21 | 2028-05 | 3604.19 | 167.00 | 3437.18 | 66879.83 |
| 22 | 2028-06 | 3604.19 | 158.84 | 3445.35 | 63434.48 |
| 23 | 2028-07 | 3604.19 | 150.66 | 3453.53 | 59980.95 |
| 24 | 2028-08 | 3604.19 | 142.45 | 3461.73 | 56519.22 |
| 25 | 2028-09 | 3604.19 | 134.23 | 3469.95 | 53049.27 |
| 26 | 2028-10 | 3604.19 | 125.99 | 3478.19 | 49571.07 |
| 27 | 2028-11 | 3604.19 | 117.73 | 3486.45 | 46084.62 |
| 28 | 2028-12 | 3604.19 | 109.45 | 3494.73 | 42589.89 |
| 29 | 2029-01 | 3604.19 | 101.15 | 3503.03 | 39086.85 |
| 30 | 2029-02 | 3604.19 | 92.83 | 3511.35 | 35575.50 |
| 31 | 2029-03 | 3604.19 | 84.49 | 3519.69 | 32055.80 |
| 32 | 2029-04 | 3604.19 | 76.13 | 3528.05 | 28527.75 |
| 33 | 2029-05 | 3604.19 | 67.75 | 3536.43 | 24991.32 |
| 34 | 2029-06 | 3604.19 | 59.35 | 3544.83 | 21446.49 |
| 35 | 2029-07 | 3604.19 | 50.94 | 3553.25 | 17893.24 |
| 36 | 2029-08 | 3604.19 | 42.50 | 3561.69 | 14331.55 |
| 37 | 2029-09 | 3604.19 | 34.04 | 3570.15 | 10761.40 |
| 38 | 2029-10 | 3604.19 | 25.56 | 3578.63 | 7182.77 |
| 39 | 2029-11 | 3604.19 | 17.06 | 3587.13 | 3595.65 |
| 40 | 2029-12 | 3604.19 | 8.54 | 3595.65 | 0.00 |
等额本金还款方式：
贷款总额：13.74万
还款月数：3年4个月
首月还款：3760.66元
每月递减：8.16元
利息总额：6688.49元
本息合计：14.41万
节省利息：103.12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 | 3760.66 | 326.27 | 3434.40 | 133941.42 |
| 2 | 2026-10 | 3752.51 | 318.11 | 3434.40 | 130507.03 |
| 3 | 2026-11 | 3744.35 | 309.95 | 3434.40 | 127072.63 |
| 4 | 2026-12 | 3736.19 | 301.80 | 3434.40 | 123638.24 |
| 5 | 2027-01 | 3728.04 | 293.64 | 3434.40 | 120203.84 |
| 6 | 2027-02 | 3719.88 | 285.48 | 3434.40 | 116769.45 |
| 7 | 2027-03 | 3711.72 | 277.33 | 3434.40 | 113335.05 |
| 8 | 2027-04 | 3703.57 | 269.17 | 3434.40 | 109900.66 |
| 9 | 2027-05 | 3695.41 | 261.01 | 3434.40 | 106466.26 |
| 10 | 2027-06 | 3687.25 | 252.86 | 3434.40 | 103031.87 |
| 11 | 2027-07 | 3679.10 | 244.70 | 3434.40 | 99597.47 |
| 12 | 2027-08 | 3670.94 | 236.54 | 3434.40 | 96163.07 |
| 13 | 2027-09 | 3662.78 | 228.39 | 3434.40 | 92728.68 |
| 14 | 2027-10 | 3654.63 | 220.23 | 3434.40 | 89294.28 |
| 15 | 2027-11 | 3646.47 | 212.07 | 3434.40 | 85859.89 |
| 16 | 2027-12 | 3638.31 | 203.92 | 3434.40 | 82425.49 |
| 17 | 2028-01 | 3630.16 | 195.76 | 3434.40 | 78991.10 |
| 18 | 2028-02 | 3622.00 | 187.60 | 3434.40 | 75556.70 |
| 19 | 2028-03 | 3613.84 | 179.45 | 3434.40 | 72122.31 |
| 20 | 2028-04 | 3605.69 | 171.29 | 3434.40 | 68687.91 |
| 21 | 2028-05 | 3597.53 | 163.13 | 3434.40 | 65253.51 |
| 22 | 2028-06 | 3589.37 | 154.98 | 3434.40 | 61819.12 |
| 23 | 2028-07 | 3581.22 | 146.82 | 3434.40 | 58384.72 |
| 24 | 2028-08 | 3573.06 | 138.66 | 3434.40 | 54950.33 |
| 25 | 2028-09 | 3564.90 | 130.51 | 3434.40 | 51515.93 |
| 26 | 2028-10 | 3556.75 | 122.35 | 3434.40 | 48081.54 |
| 27 | 2028-11 | 3548.59 | 114.19 | 3434.40 | 44647.14 |
| 28 | 2028-12 | 3540.43 | 106.04 | 3434.40 | 41212.75 |
| 29 | 2029-01 | 3532.28 | 97.88 | 3434.40 | 37778.35 |
| 30 | 2029-02 | 3524.12 | 89.72 | 3434.40 | 34343.96 |
| 31 | 2029-03 | 3515.96 | 81.57 | 3434.40 | 30909.56 |
| 32 | 2029-04 | 3507.81 | 73.41 | 3434.40 | 27475.16 |
| 33 | 2029-05 | 3499.65 | 65.25 | 3434.40 | 24040.77 |
| 34 | 2029-06 | 3491.49 | 57.10 | 3434.40 | 20606.37 |
| 35 | 2029-07 | 3483.34 | 48.94 | 3434.40 | 17171.98 |
| 36 | 2029-08 | 3475.18 | 40.78 | 3434.40 | 13737.58 |
| 37 | 2029-09 | 3467.02 | 32.63 | 3434.40 | 10303.19 |
| 38 | 2029-10 | 3458.87 | 24.47 | 3434.40 | 6868.79 |
| 39 | 2029-11 | 3450.71 | 16.31 | 3434.40 | 3434.40 |
| 40 | 2029-12 | 3442.55 | 8.16 | 3434.40 | 0.00 |