贷款5万（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：5万
还款月数：3年
每月还款：1451.42元
利息总额：2251.04元
本息合计：5.23万
| 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 | 1451.42 | 120.00 | 1331.42 | 48668.58 |
| 2 | 2024-12 | 1451.42 | 116.80 | 1334.61 | 47333.97 |
| 3 | 2025-01 | 1451.42 | 113.60 | 1337.82 | 45996.15 |
| 4 | 2025-02 | 1451.42 | 110.39 | 1341.03 | 44655.13 |
| 5 | 2025-03 | 1451.42 | 107.17 | 1344.25 | 43310.88 |
| 6 | 2025-04 | 1451.42 | 103.95 | 1347.47 | 41963.41 |
| 7 | 2025-05 | 1451.42 | 100.71 | 1350.71 | 40612.70 |
| 8 | 2025-06 | 1451.42 | 97.47 | 1353.95 | 39258.76 |
| 9 | 2025-07 | 1451.42 | 94.22 | 1357.20 | 37901.56 |
| 10 | 2025-08 | 1451.42 | 90.96 | 1360.45 | 36541.11 |
| 11 | 2025-09 | 1451.42 | 87.70 | 1363.72 | 35177.39 |
| 12 | 2025-10 | 1451.42 | 84.43 | 1366.99 | 33810.39 |
| 13 | 2025-11 | 1451.42 | 81.14 | 1370.27 | 32440.12 |
| 14 | 2025-12 | 1451.42 | 77.86 | 1373.56 | 31066.56 |
| 15 | 2026-01 | 1451.42 | 74.56 | 1376.86 | 29689.70 |
| 16 | 2026-02 | 1451.42 | 71.26 | 1380.16 | 28309.54 |
| 17 | 2026-03 | 1451.42 | 67.94 | 1383.47 | 26926.06 |
| 18 | 2026-04 | 1451.42 | 64.62 | 1386.80 | 25539.27 |
| 19 | 2026-05 | 1451.42 | 61.29 | 1390.12 | 24149.15 |
| 20 | 2026-06 | 1451.42 | 57.96 | 1393.46 | 22755.69 |
| 21 | 2026-07 | 1451.42 | 54.61 | 1396.80 | 21358.88 |
| 22 | 2026-08 | 1451.42 | 51.26 | 1400.16 | 19958.73 |
| 23 | 2026-09 | 1451.42 | 47.90 | 1403.52 | 18555.21 |
| 24 | 2026-10 | 1451.42 | 44.53 | 1406.89 | 17148.32 |
| 25 | 2026-11 | 1451.42 | 41.16 | 1410.26 | 15738.06 |
| 26 | 2026-12 | 1451.42 | 37.77 | 1413.65 | 14324.42 |
| 27 | 2027-01 | 1451.42 | 34.38 | 1417.04 | 12907.38 |
| 28 | 2027-02 | 1451.42 | 30.98 | 1420.44 | 11486.94 |
| 29 | 2027-03 | 1451.42 | 27.57 | 1423.85 | 10063.09 |
| 30 | 2027-04 | 1451.42 | 24.15 | 1427.27 | 8635.82 |
| 31 | 2027-05 | 1451.42 | 20.73 | 1430.69 | 7205.13 |
| 32 | 2027-06 | 1451.42 | 17.29 | 1434.13 | 5771.00 |
| 33 | 2027-07 | 1451.42 | 13.85 | 1437.57 | 4333.44 |
| 34 | 2027-08 | 1451.42 | 10.40 | 1441.02 | 2892.42 |
| 35 | 2027-09 | 1451.42 | 6.94 | 1444.48 | 1447.94 |
| 36 | 2027-10 | 1451.42 | 3.48 | 1447.94 | 0.00 |
等额本金还款方式：
贷款总额：5万
还款月数：3年
首月还款：1508.89元
每月递减：3.33元
利息总额：2220元
本息合计：5.22万
节省利息：31.04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 | 1508.89 | 120.00 | 1388.89 | 48611.11 |
| 2 | 2024-12 | 1505.56 | 116.67 | 1388.89 | 47222.22 |
| 3 | 2025-01 | 1502.22 | 113.33 | 1388.89 | 45833.33 |
| 4 | 2025-02 | 1498.89 | 110.00 | 1388.89 | 44444.44 |
| 5 | 2025-03 | 1495.56 | 106.67 | 1388.89 | 43055.56 |
| 6 | 2025-04 | 1492.22 | 103.33 | 1388.89 | 41666.67 |
| 7 | 2025-05 | 1488.89 | 100.00 | 1388.89 | 40277.78 |
| 8 | 2025-06 | 1485.56 | 96.67 | 1388.89 | 38888.89 |
| 9 | 2025-07 | 1482.22 | 93.33 | 1388.89 | 37500.00 |
| 10 | 2025-08 | 1478.89 | 90.00 | 1388.89 | 36111.11 |
| 11 | 2025-09 | 1475.56 | 86.67 | 1388.89 | 34722.22 |
| 12 | 2025-10 | 1472.22 | 83.33 | 1388.89 | 33333.33 |
| 13 | 2025-11 | 1468.89 | 80.00 | 1388.89 | 31944.44 |
| 14 | 2025-12 | 1465.56 | 76.67 | 1388.89 | 30555.56 |
| 15 | 2026-01 | 1462.22 | 73.33 | 1388.89 | 29166.67 |
| 16 | 2026-02 | 1458.89 | 70.00 | 1388.89 | 27777.78 |
| 17 | 2026-03 | 1455.56 | 66.67 | 1388.89 | 26388.89 |
| 18 | 2026-04 | 1452.22 | 63.33 | 1388.89 | 25000.00 |
| 19 | 2026-05 | 1448.89 | 60.00 | 1388.89 | 23611.11 |
| 20 | 2026-06 | 1445.56 | 56.67 | 1388.89 | 22222.22 |
| 21 | 2026-07 | 1442.22 | 53.33 | 1388.89 | 20833.33 |
| 22 | 2026-08 | 1438.89 | 50.00 | 1388.89 | 19444.44 |
| 23 | 2026-09 | 1435.56 | 46.67 | 1388.89 | 18055.56 |
| 24 | 2026-10 | 1432.22 | 43.33 | 1388.89 | 16666.67 |
| 25 | 2026-11 | 1428.89 | 40.00 | 1388.89 | 15277.78 |
| 26 | 2026-12 | 1425.56 | 36.67 | 1388.89 | 13888.89 |
| 27 | 2027-01 | 1422.22 | 33.33 | 1388.89 | 12500.00 |
| 28 | 2027-02 | 1418.89 | 30.00 | 1388.89 | 11111.11 |
| 29 | 2027-03 | 1415.56 | 26.67 | 1388.89 | 9722.22 |
| 30 | 2027-04 | 1412.22 | 23.33 | 1388.89 | 8333.33 |
| 31 | 2027-05 | 1408.89 | 20.00 | 1388.89 | 6944.44 |
| 32 | 2027-06 | 1405.56 | 16.67 | 1388.89 | 5555.56 |
| 33 | 2027-07 | 1402.22 | 13.33 | 1388.89 | 4166.67 |
| 34 | 2027-08 | 1398.89 | 10.00 | 1388.89 | 2777.78 |
| 35 | 2027-09 | 1395.56 | 6.67 | 1388.89 | 1388.89 |
| 36 | 2027-10 | 1392.22 | 3.33 | 1388.89 | 0.00 |