贷款20万（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：20万
还款月数：3年
每月还款：5781.05元
利息总额：8117.87元
本息合计：20.81万
| 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 | 5781.05 | 433.33 | 5347.72 | 194652.28 |
| 2 | 2024-06 | 5781.05 | 421.75 | 5359.31 | 189292.98 |
| 3 | 2024-07 | 5781.05 | 410.13 | 5370.92 | 183922.06 |
| 4 | 2024-08 | 5781.05 | 398.50 | 5382.55 | 178539.50 |
| 5 | 2024-09 | 5781.05 | 386.84 | 5394.22 | 173145.29 |
| 6 | 2024-10 | 5781.05 | 375.15 | 5405.90 | 167739.38 |
| 7 | 2024-11 | 5781.05 | 363.44 | 5417.62 | 162321.77 |
| 8 | 2024-12 | 5781.05 | 351.70 | 5429.35 | 156892.41 |
| 9 | 2025-01 | 5781.05 | 339.93 | 5441.12 | 151451.30 |
| 10 | 2025-02 | 5781.05 | 328.14 | 5452.91 | 145998.39 |
| 11 | 2025-03 | 5781.05 | 316.33 | 5464.72 | 140533.67 |
| 12 | 2025-04 | 5781.05 | 304.49 | 5476.56 | 135057.10 |
| 13 | 2025-05 | 5781.05 | 292.62 | 5488.43 | 129568.68 |
| 14 | 2025-06 | 5781.05 | 280.73 | 5500.32 | 124068.36 |
| 15 | 2025-07 | 5781.05 | 268.81 | 5512.24 | 118556.12 |
| 16 | 2025-08 | 5781.05 | 256.87 | 5524.18 | 113031.94 |
| 17 | 2025-09 | 5781.05 | 244.90 | 5536.15 | 107495.79 |
| 18 | 2025-10 | 5781.05 | 232.91 | 5548.14 | 101947.64 |
| 19 | 2025-11 | 5781.05 | 220.89 | 5560.17 | 96387.48 |
| 20 | 2025-12 | 5781.05 | 208.84 | 5572.21 | 90815.27 |
| 21 | 2026-01 | 5781.05 | 196.77 | 5584.29 | 85230.98 |
| 22 | 2026-02 | 5781.05 | 184.67 | 5596.38 | 79634.60 |
| 23 | 2026-03 | 5781.05 | 172.54 | 5608.51 | 74026.09 |
| 24 | 2026-04 | 5781.05 | 160.39 | 5620.66 | 68405.42 |
| 25 | 2026-05 | 5781.05 | 148.21 | 5632.84 | 62772.58 |
| 26 | 2026-06 | 5781.05 | 136.01 | 5645.04 | 57127.54 |
| 27 | 2026-07 | 5781.05 | 123.78 | 5657.28 | 51470.26 |
| 28 | 2026-08 | 5781.05 | 111.52 | 5669.53 | 45800.73 |
| 29 | 2026-09 | 5781.05 | 99.23 | 5681.82 | 40118.91 |
| 30 | 2026-10 | 5781.05 | 86.92 | 5694.13 | 34424.79 |
| 31 | 2026-11 | 5781.05 | 74.59 | 5706.46 | 28718.32 |
| 32 | 2026-12 | 5781.05 | 62.22 | 5718.83 | 22999.49 |
| 33 | 2027-01 | 5781.05 | 49.83 | 5731.22 | 17268.27 |
| 34 | 2027-02 | 5781.05 | 37.41 | 5743.64 | 11524.64 |
| 35 | 2027-03 | 5781.05 | 24.97 | 5756.08 | 5768.55 |
| 36 | 2027-04 | 5781.05 | 12.50 | 5768.55 | 0.00 |
等额本金还款方式：
贷款总额：20万
还款月数：3年
首月还款：5988.89元
每月递减：12.04元
利息总额：8016.67元
本息合计：20.8万
节省利息：101.2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 | 5988.89 | 433.33 | 5555.56 | 194444.44 |
| 2 | 2024-06 | 5976.85 | 421.30 | 5555.56 | 188888.89 |
| 3 | 2024-07 | 5964.81 | 409.26 | 5555.56 | 183333.33 |
| 4 | 2024-08 | 5952.78 | 397.22 | 5555.56 | 177777.78 |
| 5 | 2024-09 | 5940.74 | 385.19 | 5555.56 | 172222.22 |
| 6 | 2024-10 | 5928.70 | 373.15 | 5555.56 | 166666.67 |
| 7 | 2024-11 | 5916.67 | 361.11 | 5555.56 | 161111.11 |
| 8 | 2024-12 | 5904.63 | 349.07 | 5555.56 | 155555.56 |
| 9 | 2025-01 | 5892.59 | 337.04 | 5555.56 | 150000.00 |
| 10 | 2025-02 | 5880.56 | 325.00 | 5555.56 | 144444.44 |
| 11 | 2025-03 | 5868.52 | 312.96 | 5555.56 | 138888.89 |
| 12 | 2025-04 | 5856.48 | 300.93 | 5555.56 | 133333.33 |
| 13 | 2025-05 | 5844.44 | 288.89 | 5555.56 | 127777.78 |
| 14 | 2025-06 | 5832.41 | 276.85 | 5555.56 | 122222.22 |
| 15 | 2025-07 | 5820.37 | 264.81 | 5555.56 | 116666.67 |
| 16 | 2025-08 | 5808.33 | 252.78 | 5555.56 | 111111.11 |
| 17 | 2025-09 | 5796.30 | 240.74 | 5555.56 | 105555.56 |
| 18 | 2025-10 | 5784.26 | 228.70 | 5555.56 | 100000.00 |
| 19 | 2025-11 | 5772.22 | 216.67 | 5555.56 | 94444.44 |
| 20 | 2025-12 | 5760.19 | 204.63 | 5555.56 | 88888.89 |
| 21 | 2026-01 | 5748.15 | 192.59 | 5555.56 | 83333.33 |
| 22 | 2026-02 | 5736.11 | 180.56 | 5555.56 | 77777.78 |
| 23 | 2026-03 | 5724.07 | 168.52 | 5555.56 | 72222.22 |
| 24 | 2026-04 | 5712.04 | 156.48 | 5555.56 | 66666.67 |
| 25 | 2026-05 | 5700.00 | 144.44 | 5555.56 | 61111.11 |
| 26 | 2026-06 | 5687.96 | 132.41 | 5555.56 | 55555.56 |
| 27 | 2026-07 | 5675.93 | 120.37 | 5555.56 | 50000.00 |
| 28 | 2026-08 | 5663.89 | 108.33 | 5555.56 | 44444.44 |
| 29 | 2026-09 | 5651.85 | 96.30 | 5555.56 | 38888.89 |
| 30 | 2026-10 | 5639.81 | 84.26 | 5555.56 | 33333.33 |
| 31 | 2026-11 | 5627.78 | 72.22 | 5555.56 | 27777.78 |
| 32 | 2026-12 | 5615.74 | 60.19 | 5555.56 | 22222.22 |
| 33 | 2027-01 | 5603.70 | 48.15 | 5555.56 | 16666.67 |
| 34 | 2027-02 | 5591.67 | 36.11 | 5555.56 | 11111.11 |
| 35 | 2027-03 | 5579.63 | 24.07 | 5555.56 | 5555.56 |
| 36 | 2027-04 | 5567.59 | 12.04 | 5555.56 | 0.00 |