贷款20万（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：20万
还款月数：4年
每月还款：4391.6元
利息总额：1.08万
本息合计：21.08万
| 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 | 4391.60 | 433.33 | 3958.26 | 196041.74 |
| 2 | 2024-05 | 4391.60 | 424.76 | 3966.84 | 192074.90 |
| 3 | 2024-06 | 4391.60 | 416.16 | 3975.43 | 188099.46 |
| 4 | 2024-07 | 4391.60 | 407.55 | 3984.05 | 184115.42 |
| 5 | 2024-08 | 4391.60 | 398.92 | 3992.68 | 180122.74 |
| 6 | 2024-09 | 4391.60 | 390.27 | 4001.33 | 176121.41 |
| 7 | 2024-10 | 4391.60 | 381.60 | 4010.00 | 172111.41 |
| 8 | 2024-11 | 4391.60 | 372.91 | 4018.69 | 168092.72 |
| 9 | 2024-12 | 4391.60 | 364.20 | 4027.40 | 164065.32 |
| 10 | 2025-01 | 4391.60 | 355.47 | 4036.12 | 160029.20 |
| 11 | 2025-02 | 4391.60 | 346.73 | 4044.87 | 155984.33 |
| 12 | 2025-03 | 4391.60 | 337.97 | 4053.63 | 151930.70 |
| 13 | 2025-04 | 4391.60 | 329.18 | 4062.41 | 147868.29 |
| 14 | 2025-05 | 4391.60 | 320.38 | 4071.22 | 143797.08 |
| 15 | 2025-06 | 4391.60 | 311.56 | 4080.04 | 139717.04 |
| 16 | 2025-07 | 4391.60 | 302.72 | 4088.88 | 135628.16 |
| 17 | 2025-08 | 4391.60 | 293.86 | 4097.74 | 131530.43 |
| 18 | 2025-09 | 4391.60 | 284.98 | 4106.61 | 127423.81 |
| 19 | 2025-10 | 4391.60 | 276.08 | 4115.51 | 123308.30 |
| 20 | 2025-11 | 4391.60 | 267.17 | 4124.43 | 119183.87 |
| 21 | 2025-12 | 4391.60 | 258.23 | 4133.36 | 115050.51 |
| 22 | 2026-01 | 4391.60 | 249.28 | 4142.32 | 110908.19 |
| 23 | 2026-02 | 4391.60 | 240.30 | 4151.30 | 106756.89 |
| 24 | 2026-03 | 4391.60 | 231.31 | 4160.29 | 102596.60 |
| 25 | 2026-04 | 4391.60 | 222.29 | 4169.30 | 98427.30 |
| 26 | 2026-05 | 4391.60 | 213.26 | 4178.34 | 94248.96 |
| 27 | 2026-06 | 4391.60 | 204.21 | 4187.39 | 90061.57 |
| 28 | 2026-07 | 4391.60 | 195.13 | 4196.46 | 85865.11 |
| 29 | 2026-08 | 4391.60 | 186.04 | 4205.56 | 81659.55 |
| 30 | 2026-09 | 4391.60 | 176.93 | 4214.67 | 77444.89 |
| 31 | 2026-10 | 4391.60 | 167.80 | 4223.80 | 73221.09 |
| 32 | 2026-11 | 4391.60 | 158.65 | 4232.95 | 68988.14 |
| 33 | 2026-12 | 4391.60 | 149.47 | 4242.12 | 64746.01 |
| 34 | 2027-01 | 4391.60 | 140.28 | 4251.31 | 60494.70 |
| 35 | 2027-02 | 4391.60 | 131.07 | 4260.52 | 56234.18 |
| 36 | 2027-03 | 4391.60 | 121.84 | 4269.76 | 51964.42 |
| 37 | 2027-04 | 4391.60 | 112.59 | 4279.01 | 47685.41 |
| 38 | 2027-05 | 4391.60 | 103.32 | 4288.28 | 43397.14 |
| 39 | 2027-06 | 4391.60 | 94.03 | 4297.57 | 39099.57 |
| 40 | 2027-07 | 4391.60 | 84.72 | 4306.88 | 34792.69 |
| 41 | 2027-08 | 4391.60 | 75.38 | 4316.21 | 30476.47 |
| 42 | 2027-09 | 4391.60 | 66.03 | 4325.56 | 26150.91 |
| 43 | 2027-10 | 4391.60 | 56.66 | 4334.94 | 21815.97 |
| 44 | 2027-11 | 4391.60 | 47.27 | 4344.33 | 17471.65 |
| 45 | 2027-12 | 4391.60 | 37.86 | 4353.74 | 13117.90 |
| 46 | 2028-01 | 4391.60 | 28.42 | 4363.17 | 8754.73 |
| 47 | 2028-02 | 4391.60 | 18.97 | 4372.63 | 4382.10 |
| 48 | 2028-03 | 4391.60 | 9.49 | 4382.10 | 0.00 |
等额本金还款方式：
贷款总额：20万
还款月数：4年
首月还款：4600元
每月递减：9.03元
利息总额：1.06万
本息合计：21.06万
节省利息：179.96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 | 4600.00 | 433.33 | 4166.67 | 195833.33 |
| 2 | 2024-05 | 4590.97 | 424.31 | 4166.67 | 191666.67 |
| 3 | 2024-06 | 4581.94 | 415.28 | 4166.67 | 187500.00 |
| 4 | 2024-07 | 4572.92 | 406.25 | 4166.67 | 183333.33 |
| 5 | 2024-08 | 4563.89 | 397.22 | 4166.67 | 179166.67 |
| 6 | 2024-09 | 4554.86 | 388.19 | 4166.67 | 175000.00 |
| 7 | 2024-10 | 4545.83 | 379.17 | 4166.67 | 170833.33 |
| 8 | 2024-11 | 4536.81 | 370.14 | 4166.67 | 166666.67 |
| 9 | 2024-12 | 4527.78 | 361.11 | 4166.67 | 162500.00 |
| 10 | 2025-01 | 4518.75 | 352.08 | 4166.67 | 158333.33 |
| 11 | 2025-02 | 4509.72 | 343.06 | 4166.67 | 154166.67 |
| 12 | 2025-03 | 4500.69 | 334.03 | 4166.67 | 150000.00 |
| 13 | 2025-04 | 4491.67 | 325.00 | 4166.67 | 145833.33 |
| 14 | 2025-05 | 4482.64 | 315.97 | 4166.67 | 141666.67 |
| 15 | 2025-06 | 4473.61 | 306.94 | 4166.67 | 137500.00 |
| 16 | 2025-07 | 4464.58 | 297.92 | 4166.67 | 133333.33 |
| 17 | 2025-08 | 4455.56 | 288.89 | 4166.67 | 129166.67 |
| 18 | 2025-09 | 4446.53 | 279.86 | 4166.67 | 125000.00 |
| 19 | 2025-10 | 4437.50 | 270.83 | 4166.67 | 120833.33 |
| 20 | 2025-11 | 4428.47 | 261.81 | 4166.67 | 116666.67 |
| 21 | 2025-12 | 4419.44 | 252.78 | 4166.67 | 112500.00 |
| 22 | 2026-01 | 4410.42 | 243.75 | 4166.67 | 108333.33 |
| 23 | 2026-02 | 4401.39 | 234.72 | 4166.67 | 104166.67 |
| 24 | 2026-03 | 4392.36 | 225.69 | 4166.67 | 100000.00 |
| 25 | 2026-04 | 4383.33 | 216.67 | 4166.67 | 95833.33 |
| 26 | 2026-05 | 4374.31 | 207.64 | 4166.67 | 91666.67 |
| 27 | 2026-06 | 4365.28 | 198.61 | 4166.67 | 87500.00 |
| 28 | 2026-07 | 4356.25 | 189.58 | 4166.67 | 83333.33 |
| 29 | 2026-08 | 4347.22 | 180.56 | 4166.67 | 79166.67 |
| 30 | 2026-09 | 4338.19 | 171.53 | 4166.67 | 75000.00 |
| 31 | 2026-10 | 4329.17 | 162.50 | 4166.67 | 70833.33 |
| 32 | 2026-11 | 4320.14 | 153.47 | 4166.67 | 66666.67 |
| 33 | 2026-12 | 4311.11 | 144.44 | 4166.67 | 62500.00 |
| 34 | 2027-01 | 4302.08 | 135.42 | 4166.67 | 58333.33 |
| 35 | 2027-02 | 4293.06 | 126.39 | 4166.67 | 54166.67 |
| 36 | 2027-03 | 4284.03 | 117.36 | 4166.67 | 50000.00 |
| 37 | 2027-04 | 4275.00 | 108.33 | 4166.67 | 45833.33 |
| 38 | 2027-05 | 4265.97 | 99.31 | 4166.67 | 41666.67 |
| 39 | 2027-06 | 4256.94 | 90.28 | 4166.67 | 37500.00 |
| 40 | 2027-07 | 4247.92 | 81.25 | 4166.67 | 33333.33 |
| 41 | 2027-08 | 4238.89 | 72.22 | 4166.67 | 29166.67 |
| 42 | 2027-09 | 4229.86 | 63.19 | 4166.67 | 25000.00 |
| 43 | 2027-10 | 4220.83 | 54.17 | 4166.67 | 20833.33 |
| 44 | 2027-11 | 4211.81 | 45.14 | 4166.67 | 16666.67 |
| 45 | 2027-12 | 4202.78 | 36.11 | 4166.67 | 12500.00 |
| 46 | 2028-01 | 4193.75 | 27.08 | 4166.67 | 8333.33 |
| 47 | 2028-02 | 4184.72 | 18.06 | 4166.67 | 4166.67 |
| 48 | 2028-03 | 4175.69 | 9.03 | 4166.67 | 0.00 |