公积金提前还贷时所还的利息是上月结息日至提前还贷日期间提前归还贷款本金部分应计利息。提前还贷后,已还贷款部分不再计算利息,按剩余贷款本金乘以贷款月利率计算提前还贷后每月的贷款利息。

公积金贷款1-5年利率4.59%,6-30年利率5.04%,公积金最高贷款从今年7月1日由40万调整到60万。最高贷款年限30年。利息是随着本金来计算的,假设你贷20万,提前换了15万,那么利息就重新按剩下的5万计算,提前还的15万是不产生利息的。

公积金贷款15万元,期限15年,年利率4.90%,据你提供的月供数据,你采取的还款方式是“等额本息法”。在还款某年后,如果要一次性结清贷款,要还的金额是:上月剩余本金+还款当月的利息。下面是一个针对你这个贷款的60个月(5年)的明细:月次月还额款其中本金其中利息剩余本金11178.39565.89612.50149434.1121178.39568.20610.19148865.9131178.39570.52607.87148295.3841178.39572.85605.54147722.5351178.39575.19603.20147147.3461178.39577.54600.85146569.8071178.39579.90598.49145989.9081178.39582.27596.13145407.6491178.39584.64593.75144822.99101178.39587.03591.36144235.96111178.39589.43588.96143646.54121178.39591.83586.56143054.70131178.39594.25584.14142460.45141178.39596.68581.71141863.77151178.39599.11579.28141264.66161178.39601.56576.83140663.10171178.39604.02574.37140059.08181178.39606.48571.91139452.60191178.39608.96569.43138843.64201178.39611.45566.94138232.19211178.39613.94564.45137618.25221178.39616.45561.94137001.80231178.39618.97559.42136382.83241178.39621.49556.90135761.34251178.39624.03554.36135137.30261178.39626.58551.81134510.72271178.39629.14549.25133881.58281178.39631.71546.68133249.87291178.39634.29544.10132615.59301178.39636.88541.51131978.71311178.39639.48538.91131339.23321178.39642.09536.30130697.14331178.39644.71533.68130052.43