贷款10万（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：10万
还款月数：4年
每月还款：2195.8元
利息总额：5398.31元
本息合计：10.54万
| 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 | 2195.80 | 216.67 | 1979.13 | 98020.87 |
| 2 | 2024-05 | 2195.80 | 212.38 | 1983.42 | 96037.45 |
| 3 | 2024-06 | 2195.80 | 208.08 | 1987.72 | 94049.73 |
| 4 | 2024-07 | 2195.80 | 203.77 | 1992.02 | 92057.71 |
| 5 | 2024-08 | 2195.80 | 199.46 | 1996.34 | 90061.37 |
| 6 | 2024-09 | 2195.80 | 195.13 | 2000.67 | 88060.70 |
| 7 | 2024-10 | 2195.80 | 190.80 | 2005.00 | 86055.70 |
| 8 | 2024-11 | 2195.80 | 186.45 | 2009.34 | 84046.36 |
| 9 | 2024-12 | 2195.80 | 182.10 | 2013.70 | 82032.66 |
| 10 | 2025-01 | 2195.80 | 177.74 | 2018.06 | 80014.60 |
| 11 | 2025-02 | 2195.80 | 173.36 | 2022.43 | 77992.17 |
| 12 | 2025-03 | 2195.80 | 168.98 | 2026.82 | 75965.35 |
| 13 | 2025-04 | 2195.80 | 164.59 | 2031.21 | 73934.15 |
| 14 | 2025-05 | 2195.80 | 160.19 | 2035.61 | 71898.54 |
| 15 | 2025-06 | 2195.80 | 155.78 | 2040.02 | 69858.52 |
| 16 | 2025-07 | 2195.80 | 151.36 | 2044.44 | 67814.08 |
| 17 | 2025-08 | 2195.80 | 146.93 | 2048.87 | 65765.21 |
| 18 | 2025-09 | 2195.80 | 142.49 | 2053.31 | 63711.91 |
| 19 | 2025-10 | 2195.80 | 138.04 | 2057.76 | 61654.15 |
| 20 | 2025-11 | 2195.80 | 133.58 | 2062.21 | 59591.94 |
| 21 | 2025-12 | 2195.80 | 129.12 | 2066.68 | 57525.25 |
| 22 | 2026-01 | 2195.80 | 124.64 | 2071.16 | 55454.09 |
| 23 | 2026-02 | 2195.80 | 120.15 | 2075.65 | 53378.45 |
| 24 | 2026-03 | 2195.80 | 115.65 | 2080.14 | 51298.30 |
| 25 | 2026-04 | 2195.80 | 111.15 | 2084.65 | 49213.65 |
| 26 | 2026-05 | 2195.80 | 106.63 | 2089.17 | 47124.48 |
| 27 | 2026-06 | 2195.80 | 102.10 | 2093.70 | 45030.79 |
| 28 | 2026-07 | 2195.80 | 97.57 | 2098.23 | 42932.55 |
| 29 | 2026-08 | 2195.80 | 93.02 | 2102.78 | 40829.78 |
| 30 | 2026-09 | 2195.80 | 88.46 | 2107.33 | 38722.44 |
| 31 | 2026-10 | 2195.80 | 83.90 | 2111.90 | 36610.54 |
| 32 | 2026-11 | 2195.80 | 79.32 | 2116.48 | 34494.07 |
| 33 | 2026-12 | 2195.80 | 74.74 | 2121.06 | 32373.01 |
| 34 | 2027-01 | 2195.80 | 70.14 | 2125.66 | 30247.35 |
| 35 | 2027-02 | 2195.80 | 65.54 | 2130.26 | 28117.09 |
| 36 | 2027-03 | 2195.80 | 60.92 | 2134.88 | 25982.21 |
| 37 | 2027-04 | 2195.80 | 56.29 | 2139.50 | 23842.71 |
| 38 | 2027-05 | 2195.80 | 51.66 | 2144.14 | 21698.57 |
| 39 | 2027-06 | 2195.80 | 47.01 | 2148.78 | 19549.78 |
| 40 | 2027-07 | 2195.80 | 42.36 | 2153.44 | 17396.34 |
| 41 | 2027-08 | 2195.80 | 37.69 | 2158.11 | 15238.24 |
| 42 | 2027-09 | 2195.80 | 33.02 | 2162.78 | 13075.45 |
| 43 | 2027-10 | 2195.80 | 28.33 | 2167.47 | 10907.99 |
| 44 | 2027-11 | 2195.80 | 23.63 | 2172.16 | 8735.82 |
| 45 | 2027-12 | 2195.80 | 18.93 | 2176.87 | 6558.95 |
| 46 | 2028-01 | 2195.80 | 14.21 | 2181.59 | 4377.36 |
| 47 | 2028-02 | 2195.80 | 9.48 | 2186.31 | 2191.05 |
| 48 | 2028-03 | 2195.80 | 4.75 | 2191.05 | 0.00 |
等额本金还款方式：
贷款总额：10万
还款月数：4年
首月还款：2300元
每月递减：4.51元
利息总额：5308.33元
本息合计：10.53万
节省利息：89.98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 | 2300.00 | 216.67 | 2083.33 | 97916.67 |
| 2 | 2024-05 | 2295.49 | 212.15 | 2083.33 | 95833.33 |
| 3 | 2024-06 | 2290.97 | 207.64 | 2083.33 | 93750.00 |
| 4 | 2024-07 | 2286.46 | 203.13 | 2083.33 | 91666.67 |
| 5 | 2024-08 | 2281.94 | 198.61 | 2083.33 | 89583.33 |
| 6 | 2024-09 | 2277.43 | 194.10 | 2083.33 | 87500.00 |
| 7 | 2024-10 | 2272.92 | 189.58 | 2083.33 | 85416.67 |
| 8 | 2024-11 | 2268.40 | 185.07 | 2083.33 | 83333.33 |
| 9 | 2024-12 | 2263.89 | 180.56 | 2083.33 | 81250.00 |
| 10 | 2025-01 | 2259.38 | 176.04 | 2083.33 | 79166.67 |
| 11 | 2025-02 | 2254.86 | 171.53 | 2083.33 | 77083.33 |
| 12 | 2025-03 | 2250.35 | 167.01 | 2083.33 | 75000.00 |
| 13 | 2025-04 | 2245.83 | 162.50 | 2083.33 | 72916.67 |
| 14 | 2025-05 | 2241.32 | 157.99 | 2083.33 | 70833.33 |
| 15 | 2025-06 | 2236.81 | 153.47 | 2083.33 | 68750.00 |
| 16 | 2025-07 | 2232.29 | 148.96 | 2083.33 | 66666.67 |
| 17 | 2025-08 | 2227.78 | 144.44 | 2083.33 | 64583.33 |
| 18 | 2025-09 | 2223.26 | 139.93 | 2083.33 | 62500.00 |
| 19 | 2025-10 | 2218.75 | 135.42 | 2083.33 | 60416.67 |
| 20 | 2025-11 | 2214.24 | 130.90 | 2083.33 | 58333.33 |
| 21 | 2025-12 | 2209.72 | 126.39 | 2083.33 | 56250.00 |
| 22 | 2026-01 | 2205.21 | 121.88 | 2083.33 | 54166.67 |
| 23 | 2026-02 | 2200.69 | 117.36 | 2083.33 | 52083.33 |
| 24 | 2026-03 | 2196.18 | 112.85 | 2083.33 | 50000.00 |
| 25 | 2026-04 | 2191.67 | 108.33 | 2083.33 | 47916.67 |
| 26 | 2026-05 | 2187.15 | 103.82 | 2083.33 | 45833.33 |
| 27 | 2026-06 | 2182.64 | 99.31 | 2083.33 | 43750.00 |
| 28 | 2026-07 | 2178.13 | 94.79 | 2083.33 | 41666.67 |
| 29 | 2026-08 | 2173.61 | 90.28 | 2083.33 | 39583.33 |
| 30 | 2026-09 | 2169.10 | 85.76 | 2083.33 | 37500.00 |
| 31 | 2026-10 | 2164.58 | 81.25 | 2083.33 | 35416.67 |
| 32 | 2026-11 | 2160.07 | 76.74 | 2083.33 | 33333.33 |
| 33 | 2026-12 | 2155.56 | 72.22 | 2083.33 | 31250.00 |
| 34 | 2027-01 | 2151.04 | 67.71 | 2083.33 | 29166.67 |
| 35 | 2027-02 | 2146.53 | 63.19 | 2083.33 | 27083.33 |
| 36 | 2027-03 | 2142.01 | 58.68 | 2083.33 | 25000.00 |
| 37 | 2027-04 | 2137.50 | 54.17 | 2083.33 | 22916.67 |
| 38 | 2027-05 | 2132.99 | 49.65 | 2083.33 | 20833.33 |
| 39 | 2027-06 | 2128.47 | 45.14 | 2083.33 | 18750.00 |
| 40 | 2027-07 | 2123.96 | 40.63 | 2083.33 | 16666.67 |
| 41 | 2027-08 | 2119.44 | 36.11 | 2083.33 | 14583.33 |
| 42 | 2027-09 | 2114.93 | 31.60 | 2083.33 | 12500.00 |
| 43 | 2027-10 | 2110.42 | 27.08 | 2083.33 | 10416.67 |
| 44 | 2027-11 | 2105.90 | 22.57 | 2083.33 | 8333.33 |
| 45 | 2027-12 | 2101.39 | 18.06 | 2083.33 | 6250.00 |
| 46 | 2028-01 | 2096.88 | 13.54 | 2083.33 | 4166.67 |
| 47 | 2028-02 | 2092.36 | 9.03 | 2083.33 | 2083.33 |
| 48 | 2028-03 | 2087.85 | 4.51 | 2083.33 | 0.00 |