贷款13.44万（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：13.44万
还款月数：3年
每月还款：3900.94元
利息总额：5988.91元
本息合计：14.04万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-07 | 3900.94 | 319.31 | 3581.64 | 130863.36 |
| 2 | 2024-08 | 3900.94 | 310.80 | 3590.14 | 127273.22 |
| 3 | 2024-09 | 3900.94 | 302.27 | 3598.67 | 123674.56 |
| 4 | 2024-10 | 3900.94 | 293.73 | 3607.21 | 120067.34 |
| 5 | 2024-11 | 3900.94 | 285.16 | 3615.78 | 116451.56 |
| 6 | 2024-12 | 3900.94 | 276.57 | 3624.37 | 112827.19 |
| 7 | 2025-01 | 3900.94 | 267.96 | 3632.98 | 109194.21 |
| 8 | 2025-02 | 3900.94 | 259.34 | 3641.61 | 105552.61 |
| 9 | 2025-03 | 3900.94 | 250.69 | 3650.25 | 101902.35 |
| 10 | 2025-04 | 3900.94 | 242.02 | 3658.92 | 98243.43 |
| 11 | 2025-05 | 3900.94 | 233.33 | 3667.61 | 94575.81 |
| 12 | 2025-06 | 3900.94 | 224.62 | 3676.32 | 90899.49 |
| 13 | 2025-07 | 3900.94 | 215.89 | 3685.06 | 87214.43 |
| 14 | 2025-08 | 3900.94 | 207.13 | 3693.81 | 83520.63 |
| 15 | 2025-09 | 3900.94 | 198.36 | 3702.58 | 79818.05 |
| 16 | 2025-10 | 3900.94 | 189.57 | 3711.37 | 76106.67 |
| 17 | 2025-11 | 3900.94 | 180.75 | 3720.19 | 72386.48 |
| 18 | 2025-12 | 3900.94 | 171.92 | 3729.02 | 68657.46 |
| 19 | 2026-01 | 3900.94 | 163.06 | 3737.88 | 64919.58 |
| 20 | 2026-02 | 3900.94 | 154.18 | 3746.76 | 61172.82 |
| 21 | 2026-03 | 3900.94 | 145.29 | 3755.66 | 57417.16 |
| 22 | 2026-04 | 3900.94 | 136.37 | 3764.58 | 53652.59 |
| 23 | 2026-05 | 3900.94 | 127.42 | 3773.52 | 49879.07 |
| 24 | 2026-06 | 3900.94 | 118.46 | 3782.48 | 46096.59 |
| 25 | 2026-07 | 3900.94 | 109.48 | 3791.46 | 42305.13 |
| 26 | 2026-08 | 3900.94 | 100.47 | 3800.47 | 38504.66 |
| 27 | 2026-09 | 3900.94 | 91.45 | 3809.49 | 34695.17 |
| 28 | 2026-10 | 3900.94 | 82.40 | 3818.54 | 30876.63 |
| 29 | 2026-11 | 3900.94 | 73.33 | 3827.61 | 27049.02 |
| 30 | 2026-12 | 3900.94 | 64.24 | 3836.70 | 23212.32 |
| 31 | 2027-01 | 3900.94 | 55.13 | 3845.81 | 19366.51 |
| 32 | 2027-02 | 3900.94 | 46.00 | 3854.95 | 15511.56 |
| 33 | 2027-03 | 3900.94 | 36.84 | 3864.10 | 11647.46 |
| 34 | 2027-04 | 3900.94 | 27.66 | 3873.28 | 7774.18 |
| 35 | 2027-05 | 3900.94 | 18.46 | 3882.48 | 3891.70 |
| 36 | 2027-06 | 3900.94 | 9.24 | 3891.70 | 0.00 |
等额本金还款方式：
贷款总额：13.44万
还款月数：3年
首月还款：4053.89元
每月递减：8.87元
利息总额：5907.18元
本息合计：14.04万
节省利息：81.73元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-07 | 4053.89 | 319.31 | 3734.58 | 130710.42 |
| 2 | 2024-08 | 4045.02 | 310.44 | 3734.58 | 126975.83 |
| 3 | 2024-09 | 4036.15 | 301.57 | 3734.58 | 123241.25 |
| 4 | 2024-10 | 4027.28 | 292.70 | 3734.58 | 119506.67 |
| 5 | 2024-11 | 4018.41 | 283.83 | 3734.58 | 115772.08 |
| 6 | 2024-12 | 4009.54 | 274.96 | 3734.58 | 112037.50 |
| 7 | 2025-01 | 4000.67 | 266.09 | 3734.58 | 108302.92 |
| 8 | 2025-02 | 3991.80 | 257.22 | 3734.58 | 104568.33 |
| 9 | 2025-03 | 3982.93 | 248.35 | 3734.58 | 100833.75 |
| 10 | 2025-04 | 3974.06 | 239.48 | 3734.58 | 97099.17 |
| 11 | 2025-05 | 3965.19 | 230.61 | 3734.58 | 93364.58 |
| 12 | 2025-06 | 3956.32 | 221.74 | 3734.58 | 89630.00 |
| 13 | 2025-07 | 3947.45 | 212.87 | 3734.58 | 85895.42 |
| 14 | 2025-08 | 3938.58 | 204.00 | 3734.58 | 82160.83 |
| 15 | 2025-09 | 3929.72 | 195.13 | 3734.58 | 78426.25 |
| 16 | 2025-10 | 3920.85 | 186.26 | 3734.58 | 74691.67 |
| 17 | 2025-11 | 3911.98 | 177.39 | 3734.58 | 70957.08 |
| 18 | 2025-12 | 3903.11 | 168.52 | 3734.58 | 67222.50 |
| 19 | 2026-01 | 3894.24 | 159.65 | 3734.58 | 63487.92 |
| 20 | 2026-02 | 3885.37 | 150.78 | 3734.58 | 59753.33 |
| 21 | 2026-03 | 3876.50 | 141.91 | 3734.58 | 56018.75 |
| 22 | 2026-04 | 3867.63 | 133.04 | 3734.58 | 52284.17 |
| 23 | 2026-05 | 3858.76 | 124.17 | 3734.58 | 48549.58 |
| 24 | 2026-06 | 3849.89 | 115.31 | 3734.58 | 44815.00 |
| 25 | 2026-07 | 3841.02 | 106.44 | 3734.58 | 41080.42 |
| 26 | 2026-08 | 3832.15 | 97.57 | 3734.58 | 37345.83 |
| 27 | 2026-09 | 3823.28 | 88.70 | 3734.58 | 33611.25 |
| 28 | 2026-10 | 3814.41 | 79.83 | 3734.58 | 29876.67 |
| 29 | 2026-11 | 3805.54 | 70.96 | 3734.58 | 26142.08 |
| 30 | 2026-12 | 3796.67 | 62.09 | 3734.58 | 22407.50 |
| 31 | 2027-01 | 3787.80 | 53.22 | 3734.58 | 18672.92 |
| 32 | 2027-02 | 3778.93 | 44.35 | 3734.58 | 14938.33 |
| 33 | 2027-03 | 3770.06 | 35.48 | 3734.58 | 11203.75 |
| 34 | 2027-04 | 3761.19 | 26.61 | 3734.58 | 7469.17 |
| 35 | 2027-05 | 3752.32 | 17.74 | 3734.58 | 3734.58 |
| 36 | 2027-06 | 3743.45 | 8.87 | 3734.58 | 0.00 |