贷款47万（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：47万
还款月数：3年
每月还款：13688.89元
利息总额：2.28万
本息合计：49.28万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 13688.89 | 1214.17 | 12474.72 | 457525.28 |
| 2 | 2024-06 | 13688.89 | 1181.94 | 12506.95 | 445018.32 |
| 3 | 2024-07 | 13688.89 | 1149.63 | 12539.26 | 432479.06 |
| 4 | 2024-08 | 13688.89 | 1117.24 | 12571.65 | 419907.41 |
| 5 | 2024-09 | 13688.89 | 1084.76 | 12604.13 | 407303.28 |
| 6 | 2024-10 | 13688.89 | 1052.20 | 12636.69 | 394666.59 |
| 7 | 2024-11 | 13688.89 | 1019.56 | 12669.34 | 381997.25 |
| 8 | 2024-12 | 13688.89 | 986.83 | 12702.07 | 369295.19 |
| 9 | 2025-01 | 13688.89 | 954.01 | 12734.88 | 356560.31 |
| 10 | 2025-02 | 13688.89 | 921.11 | 12767.78 | 343792.53 |
| 11 | 2025-03 | 13688.89 | 888.13 | 12800.76 | 330991.77 |
| 12 | 2025-04 | 13688.89 | 855.06 | 12833.83 | 318157.94 |
| 13 | 2025-05 | 13688.89 | 821.91 | 12866.98 | 305290.96 |
| 14 | 2025-06 | 13688.89 | 788.67 | 12900.22 | 292390.73 |
| 15 | 2025-07 | 13688.89 | 755.34 | 12933.55 | 279457.19 |
| 16 | 2025-08 | 13688.89 | 721.93 | 12966.96 | 266490.23 |
| 17 | 2025-09 | 13688.89 | 688.43 | 13000.46 | 253489.77 |
| 18 | 2025-10 | 13688.89 | 654.85 | 13034.04 | 240455.72 |
| 19 | 2025-11 | 13688.89 | 621.18 | 13067.71 | 227388.01 |
| 20 | 2025-12 | 13688.89 | 587.42 | 13101.47 | 214286.54 |
| 21 | 2026-01 | 13688.89 | 553.57 | 13135.32 | 201151.22 |
| 22 | 2026-02 | 13688.89 | 519.64 | 13169.25 | 187981.97 |
| 23 | 2026-03 | 13688.89 | 485.62 | 13203.27 | 174778.70 |
| 24 | 2026-04 | 13688.89 | 451.51 | 13237.38 | 161541.32 |
| 25 | 2026-05 | 13688.89 | 417.32 | 13271.58 | 148269.74 |
| 26 | 2026-06 | 13688.89 | 383.03 | 13305.86 | 134963.88 |
| 27 | 2026-07 | 13688.89 | 348.66 | 13340.23 | 121623.65 |
| 28 | 2026-08 | 13688.89 | 314.19 | 13374.70 | 108248.95 |
| 29 | 2026-09 | 13688.89 | 279.64 | 13409.25 | 94839.70 |
| 30 | 2026-10 | 13688.89 | 245.00 | 13443.89 | 81395.81 |
| 31 | 2026-11 | 13688.89 | 210.27 | 13478.62 | 67917.19 |
| 32 | 2026-12 | 13688.89 | 175.45 | 13513.44 | 54403.75 |
| 33 | 2027-01 | 13688.89 | 140.54 | 13548.35 | 40855.41 |
| 34 | 2027-02 | 13688.89 | 105.54 | 13583.35 | 27272.06 |
| 35 | 2027-03 | 13688.89 | 70.45 | 13618.44 | 13653.62 |
| 36 | 2027-04 | 13688.89 | 35.27 | 13653.62 | 0.00 |
等额本金还款方式：
贷款总额：47万
还款月数：3年
首月还款：14269.72元
每月递减：33.73元
利息总额：2.25万
本息合计：49.25万
节省利息：338.01元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 14269.72 | 1214.17 | 13055.56 | 456944.44 |
| 2 | 2024-06 | 14236.00 | 1180.44 | 13055.56 | 443888.89 |
| 3 | 2024-07 | 14202.27 | 1146.71 | 13055.56 | 430833.33 |
| 4 | 2024-08 | 14168.54 | 1112.99 | 13055.56 | 417777.78 |
| 5 | 2024-09 | 14134.81 | 1079.26 | 13055.56 | 404722.22 |
| 6 | 2024-10 | 14101.09 | 1045.53 | 13055.56 | 391666.67 |
| 7 | 2024-11 | 14067.36 | 1011.81 | 13055.56 | 378611.11 |
| 8 | 2024-12 | 14033.63 | 978.08 | 13055.56 | 365555.56 |
| 9 | 2025-01 | 13999.91 | 944.35 | 13055.56 | 352500.00 |
| 10 | 2025-02 | 13966.18 | 910.63 | 13055.56 | 339444.44 |
| 11 | 2025-03 | 13932.45 | 876.90 | 13055.56 | 326388.89 |
| 12 | 2025-04 | 13898.73 | 843.17 | 13055.56 | 313333.33 |
| 13 | 2025-05 | 13865.00 | 809.44 | 13055.56 | 300277.78 |
| 14 | 2025-06 | 13831.27 | 775.72 | 13055.56 | 287222.22 |
| 15 | 2025-07 | 13797.55 | 741.99 | 13055.56 | 274166.67 |
| 16 | 2025-08 | 13763.82 | 708.26 | 13055.56 | 261111.11 |
| 17 | 2025-09 | 13730.09 | 674.54 | 13055.56 | 248055.56 |
| 18 | 2025-10 | 13696.37 | 640.81 | 13055.56 | 235000.00 |
| 19 | 2025-11 | 13662.64 | 607.08 | 13055.56 | 221944.44 |
| 20 | 2025-12 | 13628.91 | 573.36 | 13055.56 | 208888.89 |
| 21 | 2026-01 | 13595.19 | 539.63 | 13055.56 | 195833.33 |
| 22 | 2026-02 | 13561.46 | 505.90 | 13055.56 | 182777.78 |
| 23 | 2026-03 | 13527.73 | 472.18 | 13055.56 | 169722.22 |
| 24 | 2026-04 | 13494.00 | 438.45 | 13055.56 | 156666.67 |
| 25 | 2026-05 | 13460.28 | 404.72 | 13055.56 | 143611.11 |
| 26 | 2026-06 | 13426.55 | 371.00 | 13055.56 | 130555.56 |
| 27 | 2026-07 | 13392.82 | 337.27 | 13055.56 | 117500.00 |
| 28 | 2026-08 | 13359.10 | 303.54 | 13055.56 | 104444.44 |
| 29 | 2026-09 | 13325.37 | 269.81 | 13055.56 | 91388.89 |
| 30 | 2026-10 | 13291.64 | 236.09 | 13055.56 | 78333.33 |
| 31 | 2026-11 | 13257.92 | 202.36 | 13055.56 | 65277.78 |
| 32 | 2026-12 | 13224.19 | 168.63 | 13055.56 | 52222.22 |
| 33 | 2027-01 | 13190.46 | 134.91 | 13055.56 | 39166.67 |
| 34 | 2027-02 | 13156.74 | 101.18 | 13055.56 | 26111.11 |
| 35 | 2027-03 | 13123.01 | 67.45 | 13055.56 | 13055.56 |
| 36 | 2027-04 | 13089.28 | 33.73 | 13055.56 | 0.00 |