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
11178.39565.89612.50149434.11
21178.39568.20610.19148865.91
31178.39570.52607.87148295.38
41178.39572.85605.54147722.53
51178.39575.19603.20147147.34
61178.39577.54600.85146569.80
71178.39579.90598.49145989.90
81178.39582.27596.13145407.64
91178.39584.64593.75144822.99
101178.39587.03591.36144235.96
111178.39589.43588.96143646.54
121178.39591.83586.56143054.70
131178.39594.25584.14142460.45
141178.39596.68581.71141863.77
151178.39599.11579.28141264.66
161178.39601.56576.83140663.10
171178.39604.02574.37140059.08
181178.39606.48571.91139452.60
191178.39608.96569.43138843.64
201178.39611.45566.94138232.19
211178.39613.94564.45137618.25
221178.39616.45561.94137001.80
231178.39618.97559.42136382.83
241178.39621.49556.90135761.34
251178.39624.03554.36135137.30
261178.39626.58551.81134510.72
271178.39629.14549.25133881.58
281178.39631.71546.68133249.87
291178.39634.29544.10132615.59
301178.39636.88541.51131978.71
311178.39639.48538.91131339.23
321178.39642.09536.30130697.14
331178.39644.71533.68130052.43
341178.39647.34531.05129405.09
351178.39649.99528.40128755.10
361178.39652.64525.75128102.46
371178.39655.31523.09127447.15
381178.39657.98520.41126789.17
391178.39660.67517.72126128.50
401178.39663.37515.02125465.13
411178.39666.08512.32124799.06
421178.39668.80509.60124130.26
431178.39671.53506.87123458.74
441178.39674.27504.12122784.47
451178.39677.02501.37122107.45
461178.39679.79498.61121427.66
471178.39682.56495.83120745.10
481178.39685.35493.04120059.75
491178.39688.15490.24119371.60
501178.39690.96487.43118680.65
511178.39693.78484.61117986.87
521178.39696.61481.78117290.26
531178.39699.46478.94116590.80
541178.39702.31476.08115888.49
551178.39705.18473.21115183.31
561178.39708.06470.33114475.25
571178.39710.95467.44113764.30
581178.39713.85464.54113050.44
591178.39716.77461.62112333.68
601178.39719.70458.70111613.98
你如果想在第60个月（第5年未）时一次性结清贷款，将第59个月的剩余本金112333.68加上第60个月时的利息458.70元，为112792.38元。如果想在第36个月（第3年未）时还清，同样也是这样计算。