贷款10.08万（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：10.08万
还款月数：3年
每月还款：2923.37元
利息总额：4488.09元
本息合计：10.52万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-09 | 2923.37 | 239.29 | 2684.08 | 98069.09 |
| 2 | 2026-10 | 2923.37 | 232.91 | 2690.45 | 95378.64 |
| 3 | 2026-11 | 2923.37 | 226.52 | 2696.84 | 92681.79 |
| 4 | 2026-12 | 2923.37 | 220.12 | 2703.25 | 89978.54 |
| 5 | 2027-01 | 2923.37 | 213.70 | 2709.67 | 87268.87 |
| 6 | 2027-02 | 2923.37 | 207.26 | 2716.10 | 84552.77 |
| 7 | 2027-03 | 2923.37 | 200.81 | 2722.56 | 81830.21 |
| 8 | 2027-04 | 2923.37 | 194.35 | 2729.02 | 79101.19 |
| 9 | 2027-05 | 2923.37 | 187.87 | 2735.50 | 76365.69 |
| 10 | 2027-06 | 2923.37 | 181.37 | 2742.00 | 73623.69 |
| 11 | 2027-07 | 2923.37 | 174.86 | 2748.51 | 70875.18 |
| 12 | 2027-08 | 2923.37 | 168.33 | 2755.04 | 68120.14 |
| 13 | 2027-09 | 2923.37 | 161.79 | 2761.58 | 65358.55 |
| 14 | 2027-10 | 2923.37 | 155.23 | 2768.14 | 62590.41 |
| 15 | 2027-11 | 2923.37 | 148.65 | 2774.72 | 59815.70 |
| 16 | 2027-12 | 2923.37 | 142.06 | 2781.31 | 57034.39 |
| 17 | 2028-01 | 2923.37 | 135.46 | 2787.91 | 54246.48 |
| 18 | 2028-02 | 2923.37 | 128.84 | 2794.53 | 51451.94 |
| 19 | 2028-03 | 2923.37 | 122.20 | 2801.17 | 48650.77 |
| 20 | 2028-04 | 2923.37 | 115.55 | 2807.82 | 45842.95 |
| 21 | 2028-05 | 2923.37 | 108.88 | 2814.49 | 43028.46 |
| 22 | 2028-06 | 2923.37 | 102.19 | 2821.18 | 40207.28 |
| 23 | 2028-07 | 2923.37 | 95.49 | 2827.88 | 37379.41 |
| 24 | 2028-08 | 2923.37 | 88.78 | 2834.59 | 34544.82 |
| 25 | 2028-09 | 2923.37 | 82.04 | 2841.32 | 31703.49 |
| 26 | 2028-10 | 2923.37 | 75.30 | 2848.07 | 28855.42 |
| 27 | 2028-11 | 2923.37 | 68.53 | 2854.84 | 26000.58 |
| 28 | 2028-12 | 2923.37 | 61.75 | 2861.62 | 23138.97 |
| 29 | 2029-01 | 2923.37 | 54.96 | 2868.41 | 20270.55 |
| 30 | 2029-02 | 2923.37 | 48.14 | 2875.23 | 17395.33 |
| 31 | 2029-03 | 2923.37 | 41.31 | 2882.05 | 14513.27 |
| 32 | 2029-04 | 2923.37 | 34.47 | 2888.90 | 11624.37 |
| 33 | 2029-05 | 2923.37 | 27.61 | 2895.76 | 8728.61 |
| 34 | 2029-06 | 2923.37 | 20.73 | 2902.64 | 5825.97 |
| 35 | 2029-07 | 2923.37 | 13.84 | 2909.53 | 2916.44 |
| 36 | 2029-08 | 2923.37 | 6.93 | 2916.44 | 0.00 |
等额本金还款方式：
贷款总额：10.08万
还款月数：3年
首月还款：3037.99元
每月递减：6.65元
利息总额：4426.84元
本息合计：10.52万
节省利息：61.25元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-09 | 3037.99 | 239.29 | 2798.70 | 97954.47 |
| 2 | 2026-10 | 3031.34 | 232.64 | 2798.70 | 95155.77 |
| 3 | 2026-11 | 3024.69 | 225.99 | 2798.70 | 92357.07 |
| 4 | 2026-12 | 3018.05 | 219.35 | 2798.70 | 89558.37 |
| 5 | 2027-01 | 3011.40 | 212.70 | 2798.70 | 86759.67 |
| 6 | 2027-02 | 3004.75 | 206.05 | 2798.70 | 83960.98 |
| 7 | 2027-03 | 2998.11 | 199.41 | 2798.70 | 81162.28 |
| 8 | 2027-04 | 2991.46 | 192.76 | 2798.70 | 78363.58 |
| 9 | 2027-05 | 2984.81 | 186.11 | 2798.70 | 75564.88 |
| 10 | 2027-06 | 2978.17 | 179.47 | 2798.70 | 72766.18 |
| 11 | 2027-07 | 2971.52 | 172.82 | 2798.70 | 69967.48 |
| 12 | 2027-08 | 2964.87 | 166.17 | 2798.70 | 67168.78 |
| 13 | 2027-09 | 2958.23 | 159.53 | 2798.70 | 64370.08 |
| 14 | 2027-10 | 2951.58 | 152.88 | 2798.70 | 61571.38 |
| 15 | 2027-11 | 2944.93 | 146.23 | 2798.70 | 58772.68 |
| 16 | 2027-12 | 2938.28 | 139.59 | 2798.70 | 55973.98 |
| 17 | 2028-01 | 2931.64 | 132.94 | 2798.70 | 53175.28 |
| 18 | 2028-02 | 2924.99 | 126.29 | 2798.70 | 50376.58 |
| 19 | 2028-03 | 2918.34 | 119.64 | 2798.70 | 47577.89 |
| 20 | 2028-04 | 2911.70 | 113.00 | 2798.70 | 44779.19 |
| 21 | 2028-05 | 2905.05 | 106.35 | 2798.70 | 41980.49 |
| 22 | 2028-06 | 2898.40 | 99.70 | 2798.70 | 39181.79 |
| 23 | 2028-07 | 2891.76 | 93.06 | 2798.70 | 36383.09 |
| 24 | 2028-08 | 2885.11 | 86.41 | 2798.70 | 33584.39 |
| 25 | 2028-09 | 2878.46 | 79.76 | 2798.70 | 30785.69 |
| 26 | 2028-10 | 2871.82 | 73.12 | 2798.70 | 27986.99 |
| 27 | 2028-11 | 2865.17 | 66.47 | 2798.70 | 25188.29 |
| 28 | 2028-12 | 2858.52 | 59.82 | 2798.70 | 22389.59 |
| 29 | 2029-01 | 2851.87 | 53.18 | 2798.70 | 19590.89 |
| 30 | 2029-02 | 2845.23 | 46.53 | 2798.70 | 16792.19 |
| 31 | 2029-03 | 2838.58 | 39.88 | 2798.70 | 13993.50 |
| 32 | 2029-04 | 2831.93 | 33.23 | 2798.70 | 11194.80 |
| 33 | 2029-05 | 2825.29 | 26.59 | 2798.70 | 8396.10 |
| 34 | 2029-06 | 2818.64 | 19.94 | 2798.70 | 5597.40 |
| 35 | 2029-07 | 2811.99 | 13.29 | 2798.70 | 2798.70 |
| 36 | 2029-08 | 2805.35 | 6.65 | 2798.70 | 0.00 |