贷款15万（公积金贷款）房贷，还款4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：15万
还款月数：4年
每月还款：3326.78元
利息总额：9685.57元
本息合计：15.97万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 3326.78 | 387.50 | 2939.28 | 147060.72 |
| 2 | 2024-10 | 3326.78 | 379.91 | 2946.88 | 144113.84 |
| 3 | 2024-11 | 3326.78 | 372.29 | 2954.49 | 141159.35 |
| 4 | 2024-12 | 3326.78 | 364.66 | 2962.12 | 138197.23 |
| 5 | 2025-01 | 3326.78 | 357.01 | 2969.77 | 135227.46 |
| 6 | 2025-02 | 3326.78 | 349.34 | 2977.45 | 132250.01 |
| 7 | 2025-03 | 3326.78 | 341.65 | 2985.14 | 129264.88 |
| 8 | 2025-04 | 3326.78 | 333.93 | 2992.85 | 126272.03 |
| 9 | 2025-05 | 3326.78 | 326.20 | 3000.58 | 123271.45 |
| 10 | 2025-06 | 3326.78 | 318.45 | 3008.33 | 120263.12 |
| 11 | 2025-07 | 3326.78 | 310.68 | 3016.10 | 117247.01 |
| 12 | 2025-08 | 3326.78 | 302.89 | 3023.89 | 114223.12 |
| 13 | 2025-09 | 3326.78 | 295.08 | 3031.71 | 111191.41 |
| 14 | 2025-10 | 3326.78 | 287.24 | 3039.54 | 108151.87 |
| 15 | 2025-11 | 3326.78 | 279.39 | 3047.39 | 105104.48 |
| 16 | 2025-12 | 3326.78 | 271.52 | 3055.26 | 102049.22 |
| 17 | 2026-01 | 3326.78 | 263.63 | 3063.16 | 98986.07 |
| 18 | 2026-02 | 3326.78 | 255.71 | 3071.07 | 95915.00 |
| 19 | 2026-03 | 3326.78 | 247.78 | 3079.00 | 92835.99 |
| 20 | 2026-04 | 3326.78 | 239.83 | 3086.96 | 89749.04 |
| 21 | 2026-05 | 3326.78 | 231.85 | 3094.93 | 86654.11 |
| 22 | 2026-06 | 3326.78 | 223.86 | 3102.93 | 83551.18 |
| 23 | 2026-07 | 3326.78 | 215.84 | 3110.94 | 80440.24 |
| 24 | 2026-08 | 3326.78 | 207.80 | 3118.98 | 77321.26 |
| 25 | 2026-09 | 3326.78 | 199.75 | 3127.04 | 74194.22 |
| 26 | 2026-10 | 3326.78 | 191.67 | 3135.11 | 71059.11 |
| 27 | 2026-11 | 3326.78 | 183.57 | 3143.21 | 67915.90 |
| 28 | 2026-12 | 3326.78 | 175.45 | 3151.33 | 64764.56 |
| 29 | 2027-01 | 3326.78 | 167.31 | 3159.47 | 61605.09 |
| 30 | 2027-02 | 3326.78 | 159.15 | 3167.64 | 58437.45 |
| 31 | 2027-03 | 3326.78 | 150.96 | 3175.82 | 55261.63 |
| 32 | 2027-04 | 3326.78 | 142.76 | 3184.02 | 52077.61 |
| 33 | 2027-05 | 3326.78 | 134.53 | 3192.25 | 48885.36 |
| 34 | 2027-06 | 3326.78 | 126.29 | 3200.50 | 45684.87 |
| 35 | 2027-07 | 3326.78 | 118.02 | 3208.76 | 42476.10 |
| 36 | 2027-08 | 3326.78 | 109.73 | 3217.05 | 39259.05 |
| 37 | 2027-09 | 3326.78 | 101.42 | 3225.36 | 36033.69 |
| 38 | 2027-10 | 3326.78 | 93.09 | 3233.70 | 32799.99 |
| 39 | 2027-11 | 3326.78 | 84.73 | 3242.05 | 29557.94 |
| 40 | 2027-12 | 3326.78 | 76.36 | 3250.42 | 26307.52 |
| 41 | 2028-01 | 3326.78 | 67.96 | 3258.82 | 23048.69 |
| 42 | 2028-02 | 3326.78 | 59.54 | 3267.24 | 19781.45 |
| 43 | 2028-03 | 3326.78 | 51.10 | 3275.68 | 16505.77 |
| 44 | 2028-04 | 3326.78 | 42.64 | 3284.14 | 13221.63 |
| 45 | 2028-05 | 3326.78 | 34.16 | 3292.63 | 9929.00 |
| 46 | 2028-06 | 3326.78 | 25.65 | 3301.13 | 6627.87 |
| 47 | 2028-07 | 3326.78 | 17.12 | 3309.66 | 3318.21 |
| 48 | 2028-08 | 3326.78 | 8.57 | 3318.21 | 0.00 |
等额本金还款方式：
贷款总额：15万
还款月数：4年
首月还款：3512.5元
每月递减：8.07元
利息总额：9493.75元
本息合计：15.95万
节省利息：191.82元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 3512.50 | 387.50 | 3125.00 | 146875.00 |
| 2 | 2024-10 | 3504.43 | 379.43 | 3125.00 | 143750.00 |
| 3 | 2024-11 | 3496.35 | 371.35 | 3125.00 | 140625.00 |
| 4 | 2024-12 | 3488.28 | 363.28 | 3125.00 | 137500.00 |
| 5 | 2025-01 | 3480.21 | 355.21 | 3125.00 | 134375.00 |
| 6 | 2025-02 | 3472.14 | 347.14 | 3125.00 | 131250.00 |
| 7 | 2025-03 | 3464.06 | 339.06 | 3125.00 | 128125.00 |
| 8 | 2025-04 | 3455.99 | 330.99 | 3125.00 | 125000.00 |
| 9 | 2025-05 | 3447.92 | 322.92 | 3125.00 | 121875.00 |
| 10 | 2025-06 | 3439.84 | 314.84 | 3125.00 | 118750.00 |
| 11 | 2025-07 | 3431.77 | 306.77 | 3125.00 | 115625.00 |
| 12 | 2025-08 | 3423.70 | 298.70 | 3125.00 | 112500.00 |
| 13 | 2025-09 | 3415.63 | 290.63 | 3125.00 | 109375.00 |
| 14 | 2025-10 | 3407.55 | 282.55 | 3125.00 | 106250.00 |
| 15 | 2025-11 | 3399.48 | 274.48 | 3125.00 | 103125.00 |
| 16 | 2025-12 | 3391.41 | 266.41 | 3125.00 | 100000.00 |
| 17 | 2026-01 | 3383.33 | 258.33 | 3125.00 | 96875.00 |
| 18 | 2026-02 | 3375.26 | 250.26 | 3125.00 | 93750.00 |
| 19 | 2026-03 | 3367.19 | 242.19 | 3125.00 | 90625.00 |
| 20 | 2026-04 | 3359.11 | 234.11 | 3125.00 | 87500.00 |
| 21 | 2026-05 | 3351.04 | 226.04 | 3125.00 | 84375.00 |
| 22 | 2026-06 | 3342.97 | 217.97 | 3125.00 | 81250.00 |
| 23 | 2026-07 | 3334.90 | 209.90 | 3125.00 | 78125.00 |
| 24 | 2026-08 | 3326.82 | 201.82 | 3125.00 | 75000.00 |
| 25 | 2026-09 | 3318.75 | 193.75 | 3125.00 | 71875.00 |
| 26 | 2026-10 | 3310.68 | 185.68 | 3125.00 | 68750.00 |
| 27 | 2026-11 | 3302.60 | 177.60 | 3125.00 | 65625.00 |
| 28 | 2026-12 | 3294.53 | 169.53 | 3125.00 | 62500.00 |
| 29 | 2027-01 | 3286.46 | 161.46 | 3125.00 | 59375.00 |
| 30 | 2027-02 | 3278.39 | 153.39 | 3125.00 | 56250.00 |
| 31 | 2027-03 | 3270.31 | 145.31 | 3125.00 | 53125.00 |
| 32 | 2027-04 | 3262.24 | 137.24 | 3125.00 | 50000.00 |
| 33 | 2027-05 | 3254.17 | 129.17 | 3125.00 | 46875.00 |
| 34 | 2027-06 | 3246.09 | 121.09 | 3125.00 | 43750.00 |
| 35 | 2027-07 | 3238.02 | 113.02 | 3125.00 | 40625.00 |
| 36 | 2027-08 | 3229.95 | 104.95 | 3125.00 | 37500.00 |
| 37 | 2027-09 | 3221.88 | 96.88 | 3125.00 | 34375.00 |
| 38 | 2027-10 | 3213.80 | 88.80 | 3125.00 | 31250.00 |
| 39 | 2027-11 | 3205.73 | 80.73 | 3125.00 | 28125.00 |
| 40 | 2027-12 | 3197.66 | 72.66 | 3125.00 | 25000.00 |
| 41 | 2028-01 | 3189.58 | 64.58 | 3125.00 | 21875.00 |
| 42 | 2028-02 | 3181.51 | 56.51 | 3125.00 | 18750.00 |
| 43 | 2028-03 | 3173.44 | 48.44 | 3125.00 | 15625.00 |
| 44 | 2028-04 | 3165.36 | 40.36 | 3125.00 | 12500.00 |
| 45 | 2028-05 | 3157.29 | 32.29 | 3125.00 | 9375.00 |
| 46 | 2028-06 | 3149.22 | 24.22 | 3125.00 | 6250.00 |
| 47 | 2028-07 | 3141.15 | 16.15 | 3125.00 | 3125.00 |
| 48 | 2028-08 | 3133.07 | 8.07 | 3125.00 | 0.00 |