贷款16万（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：16万
还款月数：3年
每月还款：4693.29元
利息总额：8958.56元
本息合计：16.9万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 4693.29 | 476.00 | 4217.29 | 155782.71 |
| 2 | 2024-11 | 4693.29 | 463.45 | 4229.84 | 151552.87 |
| 3 | 2024-12 | 4693.29 | 450.87 | 4242.42 | 147310.44 |
| 4 | 2025-01 | 4693.29 | 438.25 | 4255.04 | 143055.40 |
| 5 | 2025-02 | 4693.29 | 425.59 | 4267.70 | 138787.69 |
| 6 | 2025-03 | 4693.29 | 412.89 | 4280.40 | 134507.29 |
| 7 | 2025-04 | 4693.29 | 400.16 | 4293.13 | 130214.16 |
| 8 | 2025-05 | 4693.29 | 387.39 | 4305.91 | 125908.25 |
| 9 | 2025-06 | 4693.29 | 374.58 | 4318.72 | 121589.54 |
| 10 | 2025-07 | 4693.29 | 361.73 | 4331.56 | 117257.97 |
| 11 | 2025-08 | 4693.29 | 348.84 | 4344.45 | 112913.52 |
| 12 | 2025-09 | 4693.29 | 335.92 | 4357.38 | 108556.15 |
| 13 | 2025-10 | 4693.29 | 322.95 | 4370.34 | 104185.81 |
| 14 | 2025-11 | 4693.29 | 309.95 | 4383.34 | 99802.47 |
| 15 | 2025-12 | 4693.29 | 296.91 | 4396.38 | 95406.09 |
| 16 | 2026-01 | 4693.29 | 283.83 | 4409.46 | 90996.62 |
| 17 | 2026-02 | 4693.29 | 270.71 | 4422.58 | 86574.05 |
| 18 | 2026-03 | 4693.29 | 257.56 | 4435.74 | 82138.31 |
| 19 | 2026-04 | 4693.29 | 244.36 | 4448.93 | 77689.38 |
| 20 | 2026-05 | 4693.29 | 231.13 | 4462.17 | 73227.21 |
| 21 | 2026-06 | 4693.29 | 217.85 | 4475.44 | 68751.77 |
| 22 | 2026-07 | 4693.29 | 204.54 | 4488.76 | 64263.01 |
| 23 | 2026-08 | 4693.29 | 191.18 | 4502.11 | 59760.90 |
| 24 | 2026-09 | 4693.29 | 177.79 | 4515.50 | 55245.40 |
| 25 | 2026-10 | 4693.29 | 164.36 | 4528.94 | 50716.46 |
| 26 | 2026-11 | 4693.29 | 150.88 | 4542.41 | 46174.05 |
| 27 | 2026-12 | 4693.29 | 137.37 | 4555.93 | 41618.12 |
| 28 | 2027-01 | 4693.29 | 123.81 | 4569.48 | 37048.64 |
| 29 | 2027-02 | 4693.29 | 110.22 | 4583.07 | 32465.57 |
| 30 | 2027-03 | 4693.29 | 96.59 | 4596.71 | 27868.86 |
| 31 | 2027-04 | 4693.29 | 82.91 | 4610.38 | 23258.47 |
| 32 | 2027-05 | 4693.29 | 69.19 | 4624.10 | 18634.37 |
| 33 | 2027-06 | 4693.29 | 55.44 | 4637.86 | 13996.52 |
| 34 | 2027-07 | 4693.29 | 41.64 | 4651.65 | 9344.86 |
| 35 | 2027-08 | 4693.29 | 27.80 | 4665.49 | 4679.37 |
| 36 | 2027-09 | 4693.29 | 13.92 | 4679.37 | 0.00 |
等额本金还款方式：
贷款总额：16万
还款月数：3年
首月还款：4920.44元
每月递减：13.22元
利息总额：8806元
本息合计：16.88万
节省利息：152.56元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 4920.44 | 476.00 | 4444.44 | 155555.56 |
| 2 | 2024-11 | 4907.22 | 462.78 | 4444.44 | 151111.11 |
| 3 | 2024-12 | 4894.00 | 449.56 | 4444.44 | 146666.67 |
| 4 | 2025-01 | 4880.78 | 436.33 | 4444.44 | 142222.22 |
| 5 | 2025-02 | 4867.56 | 423.11 | 4444.44 | 137777.78 |
| 6 | 2025-03 | 4854.33 | 409.89 | 4444.44 | 133333.33 |
| 7 | 2025-04 | 4841.11 | 396.67 | 4444.44 | 128888.89 |
| 8 | 2025-05 | 4827.89 | 383.44 | 4444.44 | 124444.44 |
| 9 | 2025-06 | 4814.67 | 370.22 | 4444.44 | 120000.00 |
| 10 | 2025-07 | 4801.44 | 357.00 | 4444.44 | 115555.56 |
| 11 | 2025-08 | 4788.22 | 343.78 | 4444.44 | 111111.11 |
| 12 | 2025-09 | 4775.00 | 330.56 | 4444.44 | 106666.67 |
| 13 | 2025-10 | 4761.78 | 317.33 | 4444.44 | 102222.22 |
| 14 | 2025-11 | 4748.56 | 304.11 | 4444.44 | 97777.78 |
| 15 | 2025-12 | 4735.33 | 290.89 | 4444.44 | 93333.33 |
| 16 | 2026-01 | 4722.11 | 277.67 | 4444.44 | 88888.89 |
| 17 | 2026-02 | 4708.89 | 264.44 | 4444.44 | 84444.44 |
| 18 | 2026-03 | 4695.67 | 251.22 | 4444.44 | 80000.00 |
| 19 | 2026-04 | 4682.44 | 238.00 | 4444.44 | 75555.56 |
| 20 | 2026-05 | 4669.22 | 224.78 | 4444.44 | 71111.11 |
| 21 | 2026-06 | 4656.00 | 211.56 | 4444.44 | 66666.67 |
| 22 | 2026-07 | 4642.78 | 198.33 | 4444.44 | 62222.22 |
| 23 | 2026-08 | 4629.56 | 185.11 | 4444.44 | 57777.78 |
| 24 | 2026-09 | 4616.33 | 171.89 | 4444.44 | 53333.33 |
| 25 | 2026-10 | 4603.11 | 158.67 | 4444.44 | 48888.89 |
| 26 | 2026-11 | 4589.89 | 145.44 | 4444.44 | 44444.44 |
| 27 | 2026-12 | 4576.67 | 132.22 | 4444.44 | 40000.00 |
| 28 | 2027-01 | 4563.44 | 119.00 | 4444.44 | 35555.56 |
| 29 | 2027-02 | 4550.22 | 105.78 | 4444.44 | 31111.11 |
| 30 | 2027-03 | 4537.00 | 92.56 | 4444.44 | 26666.67 |
| 31 | 2027-04 | 4523.78 | 79.33 | 4444.44 | 22222.22 |
| 32 | 2027-05 | 4510.56 | 66.11 | 4444.44 | 17777.78 |
| 33 | 2027-06 | 4497.33 | 52.89 | 4444.44 | 13333.33 |
| 34 | 2027-07 | 4484.11 | 39.67 | 4444.44 | 8888.89 |
| 35 | 2027-08 | 4470.89 | 26.44 | 4444.44 | 4444.44 |
| 36 | 2027-09 | 4457.67 | 13.22 | 4444.44 | 0.00 |