南宁贷款39.3万（公积金贷款）房贷，还款3年5个月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：39.3万
还款月数：3年5个月
每月还款：10323.86元
利息总额：3.03万
本息合计：42.33万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 10323.86 | 1408.25 | 8915.61 | 384084.39 |
| 2 | 2024-05 | 10323.86 | 1376.30 | 8947.56 | 375136.84 |
| 3 | 2024-06 | 10323.86 | 1344.24 | 8979.62 | 366157.22 |
| 4 | 2024-07 | 10323.86 | 1312.06 | 9011.80 | 357145.42 |
| 5 | 2024-08 | 10323.86 | 1279.77 | 9044.09 | 348101.33 |
| 6 | 2024-09 | 10323.86 | 1247.36 | 9076.50 | 339024.84 |
| 7 | 2024-10 | 10323.86 | 1214.84 | 9109.02 | 329915.82 |
| 8 | 2024-11 | 10323.86 | 1182.20 | 9141.66 | 320774.16 |
| 9 | 2024-12 | 10323.86 | 1149.44 | 9174.42 | 311599.74 |
| 10 | 2025-01 | 10323.86 | 1116.57 | 9207.29 | 302392.45 |
| 11 | 2025-02 | 10323.86 | 1083.57 | 9240.29 | 293152.16 |
| 12 | 2025-03 | 10323.86 | 1050.46 | 9273.40 | 283878.76 |
| 13 | 2025-04 | 10323.86 | 1017.23 | 9306.63 | 274572.14 |
| 14 | 2025-05 | 10323.86 | 983.88 | 9339.98 | 265232.16 |
| 15 | 2025-06 | 10323.86 | 950.42 | 9373.44 | 255858.72 |
| 16 | 2025-07 | 10323.86 | 916.83 | 9407.03 | 246451.69 |
| 17 | 2025-08 | 10323.86 | 883.12 | 9440.74 | 237010.95 |
| 18 | 2025-09 | 10323.86 | 849.29 | 9474.57 | 227536.38 |
| 19 | 2025-10 | 10323.86 | 815.34 | 9508.52 | 218027.86 |
| 20 | 2025-11 | 10323.86 | 781.27 | 9542.59 | 208485.27 |
| 21 | 2025-12 | 10323.86 | 747.07 | 9576.79 | 198908.48 |
| 22 | 2026-01 | 10323.86 | 712.76 | 9611.10 | 189297.38 |
| 23 | 2026-02 | 10323.86 | 678.32 | 9645.54 | 179651.83 |
| 24 | 2026-03 | 10323.86 | 643.75 | 9680.11 | 169971.73 |
| 25 | 2026-04 | 10323.86 | 609.07 | 9714.79 | 160256.93 |
| 26 | 2026-05 | 10323.86 | 574.25 | 9749.60 | 150507.33 |
| 27 | 2026-06 | 10323.86 | 539.32 | 9784.54 | 140722.79 |
| 28 | 2026-07 | 10323.86 | 504.26 | 9819.60 | 130903.19 |
| 29 | 2026-08 | 10323.86 | 469.07 | 9854.79 | 121048.40 |
| 30 | 2026-09 | 10323.86 | 433.76 | 9890.10 | 111158.30 |
| 31 | 2026-10 | 10323.86 | 398.32 | 9925.54 | 101232.75 |
| 32 | 2026-11 | 10323.86 | 362.75 | 9961.11 | 91271.65 |
| 33 | 2026-12 | 10323.86 | 327.06 | 9996.80 | 81274.84 |
| 34 | 2027-01 | 10323.86 | 291.23 | 10032.62 | 71242.22 |
| 35 | 2027-02 | 10323.86 | 255.28 | 10068.57 | 61173.65 |
| 36 | 2027-03 | 10323.86 | 219.21 | 10104.65 | 51068.99 |
| 37 | 2027-04 | 10323.86 | 183.00 | 10140.86 | 40928.13 |
| 38 | 2027-05 | 10323.86 | 146.66 | 10177.20 | 30750.93 |
| 39 | 2027-06 | 10323.86 | 110.19 | 10213.67 | 20537.26 |
| 40 | 2027-07 | 10323.86 | 73.59 | 10250.27 | 10287.00 |
| 41 | 2027-08 | 10323.86 | 36.86 | 10287.00 | 0.00 |
等额本金还款方式：
贷款总额：39.3万
还款月数：3年5个月
首月还款：10993.62元
每月递减：34.35元
利息总额：2.96万
本息合计：42.26万
节省利息：704.96元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 10993.62 | 1408.25 | 9585.37 | 383414.63 |
| 2 | 2024-05 | 10959.27 | 1373.90 | 9585.37 | 373829.27 |
| 3 | 2024-06 | 10924.92 | 1339.55 | 9585.37 | 364243.90 |
| 4 | 2024-07 | 10890.57 | 1305.21 | 9585.37 | 354658.54 |
| 5 | 2024-08 | 10856.23 | 1270.86 | 9585.37 | 345073.17 |
| 6 | 2024-09 | 10821.88 | 1236.51 | 9585.37 | 335487.80 |
| 7 | 2024-10 | 10787.53 | 1202.16 | 9585.37 | 325902.44 |
| 8 | 2024-11 | 10753.18 | 1167.82 | 9585.37 | 316317.07 |
| 9 | 2024-12 | 10718.84 | 1133.47 | 9585.37 | 306731.71 |
| 10 | 2025-01 | 10684.49 | 1099.12 | 9585.37 | 297146.34 |
| 11 | 2025-02 | 10650.14 | 1064.77 | 9585.37 | 287560.98 |
| 12 | 2025-03 | 10615.79 | 1030.43 | 9585.37 | 277975.61 |
| 13 | 2025-04 | 10581.45 | 996.08 | 9585.37 | 268390.24 |
| 14 | 2025-05 | 10547.10 | 961.73 | 9585.37 | 258804.88 |
| 15 | 2025-06 | 10512.75 | 927.38 | 9585.37 | 249219.51 |
| 16 | 2025-07 | 10478.40 | 893.04 | 9585.37 | 239634.15 |
| 17 | 2025-08 | 10444.05 | 858.69 | 9585.37 | 230048.78 |
| 18 | 2025-09 | 10409.71 | 824.34 | 9585.37 | 220463.41 |
| 19 | 2025-10 | 10375.36 | 789.99 | 9585.37 | 210878.05 |
| 20 | 2025-11 | 10341.01 | 755.65 | 9585.37 | 201292.68 |
| 21 | 2025-12 | 10306.66 | 721.30 | 9585.37 | 191707.32 |
| 22 | 2026-01 | 10272.32 | 686.95 | 9585.37 | 182121.95 |
| 23 | 2026-02 | 10237.97 | 652.60 | 9585.37 | 172536.59 |
| 24 | 2026-03 | 10203.62 | 618.26 | 9585.37 | 162951.22 |
| 25 | 2026-04 | 10169.27 | 583.91 | 9585.37 | 153365.85 |
| 26 | 2026-05 | 10134.93 | 549.56 | 9585.37 | 143780.49 |
| 27 | 2026-06 | 10100.58 | 515.21 | 9585.37 | 134195.12 |
| 28 | 2026-07 | 10066.23 | 480.87 | 9585.37 | 124609.76 |
| 29 | 2026-08 | 10031.88 | 446.52 | 9585.37 | 115024.39 |
| 30 | 2026-09 | 9997.54 | 412.17 | 9585.37 | 105439.02 |
| 31 | 2026-10 | 9963.19 | 377.82 | 9585.37 | 95853.66 |
| 32 | 2026-11 | 9928.84 | 343.48 | 9585.37 | 86268.29 |
| 33 | 2026-12 | 9894.49 | 309.13 | 9585.37 | 76682.93 |
| 34 | 2027-01 | 9860.15 | 274.78 | 9585.37 | 67097.56 |
| 35 | 2027-02 | 9825.80 | 240.43 | 9585.37 | 57512.20 |
| 36 | 2027-03 | 9791.45 | 206.09 | 9585.37 | 47926.83 |
| 37 | 2027-04 | 9757.10 | 171.74 | 9585.37 | 38341.46 |
| 38 | 2027-05 | 9722.76 | 137.39 | 9585.37 | 28756.10 |
| 39 | 2027-06 | 9688.41 | 103.04 | 9585.37 | 19170.73 |
| 40 | 2027-07 | 9654.06 | 68.70 | 9585.37 | 9585.37 |
| 41 | 2027-08 | 9619.71 | 34.35 | 9585.37 | 0.00 |
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