贷款4.84万（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：4.84万
还款月数：3年
每月还款：1408.44元
利息总额：2345.89元
本息合计：5.07万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 1408.44 | 124.92 | 1283.52 | 47074.48 |
| 2 | 2024-12 | 1408.44 | 121.61 | 1286.83 | 45787.65 |
| 3 | 2025-01 | 1408.44 | 118.28 | 1290.16 | 44497.49 |
| 4 | 2025-02 | 1408.44 | 114.95 | 1293.49 | 43204.01 |
| 5 | 2025-03 | 1408.44 | 111.61 | 1296.83 | 41907.17 |
| 6 | 2025-04 | 1408.44 | 108.26 | 1300.18 | 40606.99 |
| 7 | 2025-05 | 1408.44 | 104.90 | 1303.54 | 39303.45 |
| 8 | 2025-06 | 1408.44 | 101.53 | 1306.91 | 37996.55 |
| 9 | 2025-07 | 1408.44 | 98.16 | 1310.28 | 36686.26 |
| 10 | 2025-08 | 1408.44 | 94.77 | 1313.67 | 35372.59 |
| 11 | 2025-09 | 1408.44 | 91.38 | 1317.06 | 34055.53 |
| 12 | 2025-10 | 1408.44 | 87.98 | 1320.46 | 32735.07 |
| 13 | 2025-11 | 1408.44 | 84.57 | 1323.88 | 31411.19 |
| 14 | 2025-12 | 1408.44 | 81.15 | 1327.30 | 30083.90 |
| 15 | 2026-01 | 1408.44 | 77.72 | 1330.72 | 28753.17 |
| 16 | 2026-02 | 1408.44 | 74.28 | 1334.16 | 27419.01 |
| 17 | 2026-03 | 1408.44 | 70.83 | 1337.61 | 26081.40 |
| 18 | 2026-04 | 1408.44 | 67.38 | 1341.06 | 24740.34 |
| 19 | 2026-05 | 1408.44 | 63.91 | 1344.53 | 23395.81 |
| 20 | 2026-06 | 1408.44 | 60.44 | 1348.00 | 22047.81 |
| 21 | 2026-07 | 1408.44 | 56.96 | 1351.48 | 20696.32 |
| 22 | 2026-08 | 1408.44 | 53.47 | 1354.98 | 19341.34 |
| 23 | 2026-09 | 1408.44 | 49.97 | 1358.48 | 17982.87 |
| 24 | 2026-10 | 1408.44 | 46.46 | 1361.99 | 16620.88 |
| 25 | 2026-11 | 1408.44 | 42.94 | 1365.50 | 15255.38 |
| 26 | 2026-12 | 1408.44 | 39.41 | 1369.03 | 13886.35 |
| 27 | 2027-01 | 1408.44 | 35.87 | 1372.57 | 12513.78 |
| 28 | 2027-02 | 1408.44 | 32.33 | 1376.11 | 11137.67 |
| 29 | 2027-03 | 1408.44 | 28.77 | 1379.67 | 9758.00 |
| 30 | 2027-04 | 1408.44 | 25.21 | 1383.23 | 8374.76 |
| 31 | 2027-05 | 1408.44 | 21.63 | 1386.81 | 6987.96 |
| 32 | 2027-06 | 1408.44 | 18.05 | 1390.39 | 5597.57 |
| 33 | 2027-07 | 1408.44 | 14.46 | 1393.98 | 4203.59 |
| 34 | 2027-08 | 1408.44 | 10.86 | 1397.58 | 2806.00 |
| 35 | 2027-09 | 1408.44 | 7.25 | 1401.19 | 1404.81 |
| 36 | 2027-10 | 1408.44 | 3.63 | 1404.81 | 0.00 |
等额本金还款方式：
贷款总额：4.84万
还款月数：3年
首月还款：1468.2元
每月递减：3.47元
利息总额：2311.11元
本息合计：5.07万
节省利息：34.78元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 1468.20 | 124.92 | 1343.28 | 47014.72 |
| 2 | 2024-12 | 1464.73 | 121.45 | 1343.28 | 45671.44 |
| 3 | 2025-01 | 1461.26 | 117.98 | 1343.28 | 44328.17 |
| 4 | 2025-02 | 1457.79 | 114.51 | 1343.28 | 42984.89 |
| 5 | 2025-03 | 1454.32 | 111.04 | 1343.28 | 41641.61 |
| 6 | 2025-04 | 1450.85 | 107.57 | 1343.28 | 40298.33 |
| 7 | 2025-05 | 1447.38 | 104.10 | 1343.28 | 38955.06 |
| 8 | 2025-06 | 1443.91 | 100.63 | 1343.28 | 37611.78 |
| 9 | 2025-07 | 1440.44 | 97.16 | 1343.28 | 36268.50 |
| 10 | 2025-08 | 1436.97 | 93.69 | 1343.28 | 34925.22 |
| 11 | 2025-09 | 1433.50 | 90.22 | 1343.28 | 33581.94 |
| 12 | 2025-10 | 1430.03 | 86.75 | 1343.28 | 32238.67 |
| 13 | 2025-11 | 1426.56 | 83.28 | 1343.28 | 30895.39 |
| 14 | 2025-12 | 1423.09 | 79.81 | 1343.28 | 29552.11 |
| 15 | 2026-01 | 1419.62 | 76.34 | 1343.28 | 28208.83 |
| 16 | 2026-02 | 1416.15 | 72.87 | 1343.28 | 26865.56 |
| 17 | 2026-03 | 1412.68 | 69.40 | 1343.28 | 25522.28 |
| 18 | 2026-04 | 1409.21 | 65.93 | 1343.28 | 24179.00 |
| 19 | 2026-05 | 1405.74 | 62.46 | 1343.28 | 22835.72 |
| 20 | 2026-06 | 1402.27 | 58.99 | 1343.28 | 21492.44 |
| 21 | 2026-07 | 1398.80 | 55.52 | 1343.28 | 20149.17 |
| 22 | 2026-08 | 1395.33 | 52.05 | 1343.28 | 18805.89 |
| 23 | 2026-09 | 1391.86 | 48.58 | 1343.28 | 17462.61 |
| 24 | 2026-10 | 1388.39 | 45.11 | 1343.28 | 16119.33 |
| 25 | 2026-11 | 1384.92 | 41.64 | 1343.28 | 14776.06 |
| 26 | 2026-12 | 1381.45 | 38.17 | 1343.28 | 13432.78 |
| 27 | 2027-01 | 1377.98 | 34.70 | 1343.28 | 12089.50 |
| 28 | 2027-02 | 1374.51 | 31.23 | 1343.28 | 10746.22 |
| 29 | 2027-03 | 1371.04 | 27.76 | 1343.28 | 9402.94 |
| 30 | 2027-04 | 1367.57 | 24.29 | 1343.28 | 8059.67 |
| 31 | 2027-05 | 1364.10 | 20.82 | 1343.28 | 6716.39 |
| 32 | 2027-06 | 1360.63 | 17.35 | 1343.28 | 5373.11 |
| 33 | 2027-07 | 1357.16 | 13.88 | 1343.28 | 4029.83 |
| 34 | 2027-08 | 1353.69 | 10.41 | 1343.28 | 2686.56 |
| 35 | 2027-09 | 1350.22 | 6.94 | 1343.28 | 1343.28 |
| 36 | 2027-10 | 1346.75 | 3.47 | 1343.28 | 0.00 |