贷款40万（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：40万
还款月数：3年
每月还款：11676.61元
利息总额：2.04万
本息合计：42.04万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 11676.61 | 1083.33 | 10593.27 | 389406.73 |
| 2 | 2024-10 | 11676.61 | 1054.64 | 10621.96 | 378784.76 |
| 3 | 2024-11 | 11676.61 | 1025.88 | 10650.73 | 368134.03 |
| 4 | 2024-12 | 11676.61 | 997.03 | 10679.58 | 357454.46 |
| 5 | 2025-01 | 11676.61 | 968.11 | 10708.50 | 346745.96 |
| 6 | 2025-02 | 11676.61 | 939.10 | 10737.50 | 336008.45 |
| 7 | 2025-03 | 11676.61 | 910.02 | 10766.58 | 325241.87 |
| 8 | 2025-04 | 11676.61 | 880.86 | 10795.74 | 314446.13 |
| 9 | 2025-05 | 11676.61 | 851.62 | 10824.98 | 303621.15 |
| 10 | 2025-06 | 11676.61 | 822.31 | 10854.30 | 292766.85 |
| 11 | 2025-07 | 11676.61 | 792.91 | 10883.70 | 281883.15 |
| 12 | 2025-08 | 11676.61 | 763.43 | 10913.17 | 270969.98 |
| 13 | 2025-09 | 11676.61 | 733.88 | 10942.73 | 260027.25 |
| 14 | 2025-10 | 11676.61 | 704.24 | 10972.37 | 249054.89 |
| 15 | 2025-11 | 11676.61 | 674.52 | 11002.08 | 238052.80 |
| 16 | 2025-12 | 11676.61 | 644.73 | 11031.88 | 227020.92 |
| 17 | 2026-01 | 11676.61 | 614.85 | 11061.76 | 215959.17 |
| 18 | 2026-02 | 11676.61 | 584.89 | 11091.72 | 204867.45 |
| 19 | 2026-03 | 11676.61 | 554.85 | 11121.76 | 193745.69 |
| 20 | 2026-04 | 11676.61 | 524.73 | 11151.88 | 182593.81 |
| 21 | 2026-05 | 11676.61 | 494.52 | 11182.08 | 171411.73 |
| 22 | 2026-06 | 11676.61 | 464.24 | 11212.37 | 160199.37 |
| 23 | 2026-07 | 11676.61 | 433.87 | 11242.73 | 148956.63 |
| 24 | 2026-08 | 11676.61 | 403.42 | 11273.18 | 137683.45 |
| 25 | 2026-09 | 11676.61 | 372.89 | 11303.71 | 126379.74 |
| 26 | 2026-10 | 11676.61 | 342.28 | 11334.33 | 115045.41 |
| 27 | 2026-11 | 11676.61 | 311.58 | 11365.02 | 103680.39 |
| 28 | 2026-12 | 11676.61 | 280.80 | 11395.81 | 92284.58 |
| 29 | 2027-01 | 11676.61 | 249.94 | 11426.67 | 80857.91 |
| 30 | 2027-02 | 11676.61 | 218.99 | 11457.62 | 69400.30 |
| 31 | 2027-03 | 11676.61 | 187.96 | 11488.65 | 57911.65 |
| 32 | 2027-04 | 11676.61 | 156.84 | 11519.76 | 46391.89 |
| 33 | 2027-05 | 11676.61 | 125.64 | 11550.96 | 34840.93 |
| 34 | 2027-06 | 11676.61 | 94.36 | 11582.25 | 23258.68 |
| 35 | 2027-07 | 11676.61 | 62.99 | 11613.61 | 11645.07 |
| 36 | 2027-08 | 11676.61 | 31.54 | 11645.07 | 0.00 |
等额本金还款方式：
贷款总额：40万
还款月数：3年
首月还款：12194.44元
每月递减：30.09元
利息总额：2万
本息合计：42万
节省利息：316.15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 | 12194.44 | 1083.33 | 11111.11 | 388888.89 |
| 2 | 2024-10 | 12164.35 | 1053.24 | 11111.11 | 377777.78 |
| 3 | 2024-11 | 12134.26 | 1023.15 | 11111.11 | 366666.67 |
| 4 | 2024-12 | 12104.17 | 993.06 | 11111.11 | 355555.56 |
| 5 | 2025-01 | 12074.07 | 962.96 | 11111.11 | 344444.44 |
| 6 | 2025-02 | 12043.98 | 932.87 | 11111.11 | 333333.33 |
| 7 | 2025-03 | 12013.89 | 902.78 | 11111.11 | 322222.22 |
| 8 | 2025-04 | 11983.80 | 872.69 | 11111.11 | 311111.11 |
| 9 | 2025-05 | 11953.70 | 842.59 | 11111.11 | 300000.00 |
| 10 | 2025-06 | 11923.61 | 812.50 | 11111.11 | 288888.89 |
| 11 | 2025-07 | 11893.52 | 782.41 | 11111.11 | 277777.78 |
| 12 | 2025-08 | 11863.43 | 752.31 | 11111.11 | 266666.67 |
| 13 | 2025-09 | 11833.33 | 722.22 | 11111.11 | 255555.56 |
| 14 | 2025-10 | 11803.24 | 692.13 | 11111.11 | 244444.44 |
| 15 | 2025-11 | 11773.15 | 662.04 | 11111.11 | 233333.33 |
| 16 | 2025-12 | 11743.06 | 631.94 | 11111.11 | 222222.22 |
| 17 | 2026-01 | 11712.96 | 601.85 | 11111.11 | 211111.11 |
| 18 | 2026-02 | 11682.87 | 571.76 | 11111.11 | 200000.00 |
| 19 | 2026-03 | 11652.78 | 541.67 | 11111.11 | 188888.89 |
| 20 | 2026-04 | 11622.69 | 511.57 | 11111.11 | 177777.78 |
| 21 | 2026-05 | 11592.59 | 481.48 | 11111.11 | 166666.67 |
| 22 | 2026-06 | 11562.50 | 451.39 | 11111.11 | 155555.56 |
| 23 | 2026-07 | 11532.41 | 421.30 | 11111.11 | 144444.44 |
| 24 | 2026-08 | 11502.31 | 391.20 | 11111.11 | 133333.33 |
| 25 | 2026-09 | 11472.22 | 361.11 | 11111.11 | 122222.22 |
| 26 | 2026-10 | 11442.13 | 331.02 | 11111.11 | 111111.11 |
| 27 | 2026-11 | 11412.04 | 300.93 | 11111.11 | 100000.00 |
| 28 | 2026-12 | 11381.94 | 270.83 | 11111.11 | 88888.89 |
| 29 | 2027-01 | 11351.85 | 240.74 | 11111.11 | 77777.78 |
| 30 | 2027-02 | 11321.76 | 210.65 | 11111.11 | 66666.67 |
| 31 | 2027-03 | 11291.67 | 180.56 | 11111.11 | 55555.56 |
| 32 | 2027-04 | 11261.57 | 150.46 | 11111.11 | 44444.44 |
| 33 | 2027-05 | 11231.48 | 120.37 | 11111.11 | 33333.33 |
| 34 | 2027-06 | 11201.39 | 90.28 | 11111.11 | 22222.22 |
| 35 | 2027-07 | 11171.30 | 60.19 | 11111.11 | 11111.11 |
| 36 | 2027-08 | 11141.20 | 30.09 | 11111.11 | 0.00 |