贷款16万（公积金贷款）房贷，还款3年11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：16万
还款月数：3年11个月
每月还款：3635.44元
利息总额：1.09万
本息合计：17.09万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 3635.44 | 443.33 | 3192.11 | 156807.89 |
| 2 | 2025-02 | 3635.44 | 434.49 | 3200.95 | 153606.94 |
| 3 | 2025-03 | 3635.44 | 425.62 | 3209.82 | 150397.12 |
| 4 | 2025-04 | 3635.44 | 416.73 | 3218.71 | 147178.41 |
| 5 | 2025-05 | 3635.44 | 407.81 | 3227.63 | 143950.78 |
| 6 | 2025-06 | 3635.44 | 398.86 | 3236.58 | 140714.20 |
| 7 | 2025-07 | 3635.44 | 389.90 | 3245.54 | 137468.66 |
| 8 | 2025-08 | 3635.44 | 380.90 | 3254.54 | 134214.12 |
| 9 | 2025-09 | 3635.44 | 371.88 | 3263.55 | 130950.57 |
| 10 | 2025-10 | 3635.44 | 362.84 | 3272.60 | 127677.97 |
| 11 | 2025-11 | 3635.44 | 353.77 | 3281.66 | 124396.30 |
| 12 | 2025-12 | 3635.44 | 344.68 | 3290.76 | 121105.55 |
| 13 | 2026-01 | 3635.44 | 335.56 | 3299.88 | 117805.67 |
| 14 | 2026-02 | 3635.44 | 326.42 | 3309.02 | 114496.65 |
| 15 | 2026-03 | 3635.44 | 317.25 | 3318.19 | 111178.46 |
| 16 | 2026-04 | 3635.44 | 308.06 | 3327.38 | 107851.08 |
| 17 | 2026-05 | 3635.44 | 298.84 | 3336.60 | 104514.48 |
| 18 | 2026-06 | 3635.44 | 289.59 | 3345.85 | 101168.63 |
| 19 | 2026-07 | 3635.44 | 280.32 | 3355.12 | 97813.51 |
| 20 | 2026-08 | 3635.44 | 271.02 | 3364.41 | 94449.10 |
| 21 | 2026-09 | 3635.44 | 261.70 | 3373.74 | 91075.36 |
| 22 | 2026-10 | 3635.44 | 252.35 | 3383.08 | 87692.28 |
| 23 | 2026-11 | 3635.44 | 242.98 | 3392.46 | 84299.82 |
| 24 | 2026-12 | 3635.44 | 233.58 | 3401.86 | 80897.96 |
| 25 | 2027-01 | 3635.44 | 224.15 | 3411.28 | 77486.67 |
| 26 | 2027-02 | 3635.44 | 214.70 | 3420.74 | 74065.94 |
| 27 | 2027-03 | 3635.44 | 205.22 | 3430.21 | 70635.72 |
| 28 | 2027-04 | 3635.44 | 195.72 | 3439.72 | 67196.00 |
| 29 | 2027-05 | 3635.44 | 186.19 | 3449.25 | 63746.75 |
| 30 | 2027-06 | 3635.44 | 176.63 | 3458.81 | 60287.95 |
| 31 | 2027-07 | 3635.44 | 167.05 | 3468.39 | 56819.55 |
| 32 | 2027-08 | 3635.44 | 157.44 | 3478.00 | 53341.55 |
| 33 | 2027-09 | 3635.44 | 147.80 | 3487.64 | 49853.91 |
| 34 | 2027-10 | 3635.44 | 138.14 | 3497.30 | 46356.61 |
| 35 | 2027-11 | 3635.44 | 128.45 | 3506.99 | 42849.62 |
| 36 | 2027-12 | 3635.44 | 118.73 | 3516.71 | 39332.91 |
| 37 | 2028-01 | 3635.44 | 108.98 | 3526.45 | 35806.45 |
| 38 | 2028-02 | 3635.44 | 99.21 | 3536.23 | 32270.23 |
| 39 | 2028-03 | 3635.44 | 89.42 | 3546.02 | 28724.20 |
| 40 | 2028-04 | 3635.44 | 79.59 | 3555.85 | 25168.35 |
| 41 | 2028-05 | 3635.44 | 69.74 | 3565.70 | 21602.65 |
| 42 | 2028-06 | 3635.44 | 59.86 | 3575.58 | 18027.07 |
| 43 | 2028-07 | 3635.44 | 49.95 | 3585.49 | 14441.58 |
| 44 | 2028-08 | 3635.44 | 40.02 | 3595.42 | 10846.16 |
| 45 | 2028-09 | 3635.44 | 30.05 | 3605.39 | 7240.77 |
| 46 | 2028-10 | 3635.44 | 20.06 | 3615.38 | 3625.39 |
| 47 | 2028-11 | 3635.44 | 10.05 | 3625.39 | 0.00 |
等额本金还款方式：
贷款总额：16万
还款月数：3年11个月
首月还款：3847.59元
每月递减：9.43元
利息总额：1.06万
本息合计：17.06万
节省利息：225.65元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 3847.59 | 443.33 | 3404.26 | 156595.74 |
| 2 | 2025-02 | 3838.16 | 433.90 | 3404.26 | 153191.49 |
| 3 | 2025-03 | 3828.72 | 424.47 | 3404.26 | 149787.23 |
| 4 | 2025-04 | 3819.29 | 415.04 | 3404.26 | 146382.98 |
| 5 | 2025-05 | 3809.86 | 405.60 | 3404.26 | 142978.72 |
| 6 | 2025-06 | 3800.43 | 396.17 | 3404.26 | 139574.47 |
| 7 | 2025-07 | 3790.99 | 386.74 | 3404.26 | 136170.21 |
| 8 | 2025-08 | 3781.56 | 377.30 | 3404.26 | 132765.96 |
| 9 | 2025-09 | 3772.13 | 367.87 | 3404.26 | 129361.70 |
| 10 | 2025-10 | 3762.70 | 358.44 | 3404.26 | 125957.45 |
| 11 | 2025-11 | 3753.26 | 349.01 | 3404.26 | 122553.19 |
| 12 | 2025-12 | 3743.83 | 339.57 | 3404.26 | 119148.94 |
| 13 | 2026-01 | 3734.40 | 330.14 | 3404.26 | 115744.68 |
| 14 | 2026-02 | 3724.96 | 320.71 | 3404.26 | 112340.43 |
| 15 | 2026-03 | 3715.53 | 311.28 | 3404.26 | 108936.17 |
| 16 | 2026-04 | 3706.10 | 301.84 | 3404.26 | 105531.91 |
| 17 | 2026-05 | 3696.67 | 292.41 | 3404.26 | 102127.66 |
| 18 | 2026-06 | 3687.23 | 282.98 | 3404.26 | 98723.40 |
| 19 | 2026-07 | 3677.80 | 273.55 | 3404.26 | 95319.15 |
| 20 | 2026-08 | 3668.37 | 264.11 | 3404.26 | 91914.89 |
| 21 | 2026-09 | 3658.94 | 254.68 | 3404.26 | 88510.64 |
| 22 | 2026-10 | 3649.50 | 245.25 | 3404.26 | 85106.38 |
| 23 | 2026-11 | 3640.07 | 235.82 | 3404.26 | 81702.13 |
| 24 | 2026-12 | 3630.64 | 226.38 | 3404.26 | 78297.87 |
| 25 | 2027-01 | 3621.21 | 216.95 | 3404.26 | 74893.62 |
| 26 | 2027-02 | 3611.77 | 207.52 | 3404.26 | 71489.36 |
| 27 | 2027-03 | 3602.34 | 198.09 | 3404.26 | 68085.11 |
| 28 | 2027-04 | 3592.91 | 188.65 | 3404.26 | 64680.85 |
| 29 | 2027-05 | 3583.48 | 179.22 | 3404.26 | 61276.60 |
| 30 | 2027-06 | 3574.04 | 169.79 | 3404.26 | 57872.34 |
| 31 | 2027-07 | 3564.61 | 160.35 | 3404.26 | 54468.09 |
| 32 | 2027-08 | 3555.18 | 150.92 | 3404.26 | 51063.83 |
| 33 | 2027-09 | 3545.74 | 141.49 | 3404.26 | 47659.57 |
| 34 | 2027-10 | 3536.31 | 132.06 | 3404.26 | 44255.32 |
| 35 | 2027-11 | 3526.88 | 122.62 | 3404.26 | 40851.06 |
| 36 | 2027-12 | 3517.45 | 113.19 | 3404.26 | 37446.81 |
| 37 | 2028-01 | 3508.01 | 103.76 | 3404.26 | 34042.55 |
| 38 | 2028-02 | 3498.58 | 94.33 | 3404.26 | 30638.30 |
| 39 | 2028-03 | 3489.15 | 84.89 | 3404.26 | 27234.04 |
| 40 | 2028-04 | 3479.72 | 75.46 | 3404.26 | 23829.79 |
| 41 | 2028-05 | 3470.28 | 66.03 | 3404.26 | 20425.53 |
| 42 | 2028-06 | 3460.85 | 56.60 | 3404.26 | 17021.28 |
| 43 | 2028-07 | 3451.42 | 47.16 | 3404.26 | 13617.02 |
| 44 | 2028-08 | 3441.99 | 37.73 | 3404.26 | 10212.77 |
| 45 | 2028-09 | 3432.55 | 28.30 | 3404.26 | 6808.51 |
| 46 | 2028-10 | 3423.12 | 18.87 | 3404.26 | 3404.26 |
| 47 | 2028-11 | 3413.69 | 9.43 | 3404.26 | 0.00 |