贷款70万（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：70万
还款月数：4年
每月还款：15432.23元
利息总额：4.07万
本息合计：74.07万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 15432.23 | 1633.33 | 13798.90 | 686201.10 |
| 2 | 2024-06 | 15432.23 | 1601.14 | 13831.09 | 672370.01 |
| 3 | 2024-07 | 15432.23 | 1568.86 | 13863.37 | 658506.64 |
| 4 | 2024-08 | 15432.23 | 1536.52 | 13895.72 | 644610.92 |
| 5 | 2024-09 | 15432.23 | 1504.09 | 13928.14 | 630682.79 |
| 6 | 2024-10 | 15432.23 | 1471.59 | 13960.64 | 616722.15 |
| 7 | 2024-11 | 15432.23 | 1439.02 | 13993.21 | 602728.94 |
| 8 | 2024-12 | 15432.23 | 1406.37 | 14025.86 | 588703.07 |
| 9 | 2025-01 | 15432.23 | 1373.64 | 14058.59 | 574644.48 |
| 10 | 2025-02 | 15432.23 | 1340.84 | 14091.39 | 560553.09 |
| 11 | 2025-03 | 15432.23 | 1307.96 | 14124.27 | 546428.82 |
| 12 | 2025-04 | 15432.23 | 1275.00 | 14157.23 | 532271.59 |
| 13 | 2025-05 | 15432.23 | 1241.97 | 14190.26 | 518081.32 |
| 14 | 2025-06 | 15432.23 | 1208.86 | 14223.37 | 503857.95 |
| 15 | 2025-07 | 15432.23 | 1175.67 | 14256.56 | 489601.38 |
| 16 | 2025-08 | 15432.23 | 1142.40 | 14289.83 | 475311.56 |
| 17 | 2025-09 | 15432.23 | 1109.06 | 14323.17 | 460988.39 |
| 18 | 2025-10 | 15432.23 | 1075.64 | 14356.59 | 446631.80 |
| 19 | 2025-11 | 15432.23 | 1042.14 | 14390.09 | 432241.71 |
| 20 | 2025-12 | 15432.23 | 1008.56 | 14423.67 | 417818.04 |
| 21 | 2026-01 | 15432.23 | 974.91 | 14457.32 | 403360.72 |
| 22 | 2026-02 | 15432.23 | 941.18 | 14491.06 | 388869.66 |
| 23 | 2026-03 | 15432.23 | 907.36 | 14524.87 | 374344.79 |
| 24 | 2026-04 | 15432.23 | 873.47 | 14558.76 | 359786.03 |
| 25 | 2026-05 | 15432.23 | 839.50 | 14592.73 | 345193.30 |
| 26 | 2026-06 | 15432.23 | 805.45 | 14626.78 | 330566.52 |
| 27 | 2026-07 | 15432.23 | 771.32 | 14660.91 | 315905.61 |
| 28 | 2026-08 | 15432.23 | 737.11 | 14695.12 | 301210.50 |
| 29 | 2026-09 | 15432.23 | 702.82 | 14729.41 | 286481.09 |
| 30 | 2026-10 | 15432.23 | 668.46 | 14763.77 | 271717.32 |
| 31 | 2026-11 | 15432.23 | 634.01 | 14798.22 | 256919.09 |
| 32 | 2026-12 | 15432.23 | 599.48 | 14832.75 | 242086.34 |
| 33 | 2027-01 | 15432.23 | 564.87 | 14867.36 | 227218.98 |
| 34 | 2027-02 | 15432.23 | 530.18 | 14902.05 | 212316.92 |
| 35 | 2027-03 | 15432.23 | 495.41 | 14936.82 | 197380.10 |
| 36 | 2027-04 | 15432.23 | 460.55 | 14971.68 | 182408.42 |
| 37 | 2027-05 | 15432.23 | 425.62 | 15006.61 | 167401.81 |
| 38 | 2027-06 | 15432.23 | 390.60 | 15041.63 | 152360.18 |
| 39 | 2027-07 | 15432.23 | 355.51 | 15076.72 | 137283.46 |
| 40 | 2027-08 | 15432.23 | 320.33 | 15111.90 | 122171.56 |
| 41 | 2027-09 | 15432.23 | 285.07 | 15147.16 | 107024.39 |
| 42 | 2027-10 | 15432.23 | 249.72 | 15182.51 | 91841.89 |
| 43 | 2027-11 | 15432.23 | 214.30 | 15217.93 | 76623.95 |
| 44 | 2027-12 | 15432.23 | 178.79 | 15253.44 | 61370.51 |
| 45 | 2028-01 | 15432.23 | 143.20 | 15289.03 | 46081.48 |
| 46 | 2028-02 | 15432.23 | 107.52 | 15324.71 | 30756.77 |
| 47 | 2028-03 | 15432.23 | 71.77 | 15360.46 | 15396.31 |
| 48 | 2028-04 | 15432.23 | 35.92 | 15396.31 | 0.00 |
等额本金还款方式：
贷款总额：70万
还款月数：4年
首月还款：16216.67元
每月递减：34.03元
利息总额：4万
本息合计：74万
节省利息：730.41元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 16216.67 | 1633.33 | 14583.33 | 685416.67 |
| 2 | 2024-06 | 16182.64 | 1599.31 | 14583.33 | 670833.33 |
| 3 | 2024-07 | 16148.61 | 1565.28 | 14583.33 | 656250.00 |
| 4 | 2024-08 | 16114.58 | 1531.25 | 14583.33 | 641666.67 |
| 5 | 2024-09 | 16080.56 | 1497.22 | 14583.33 | 627083.33 |
| 6 | 2024-10 | 16046.53 | 1463.19 | 14583.33 | 612500.00 |
| 7 | 2024-11 | 16012.50 | 1429.17 | 14583.33 | 597916.67 |
| 8 | 2024-12 | 15978.47 | 1395.14 | 14583.33 | 583333.33 |
| 9 | 2025-01 | 15944.44 | 1361.11 | 14583.33 | 568750.00 |
| 10 | 2025-02 | 15910.42 | 1327.08 | 14583.33 | 554166.67 |
| 11 | 2025-03 | 15876.39 | 1293.06 | 14583.33 | 539583.33 |
| 12 | 2025-04 | 15842.36 | 1259.03 | 14583.33 | 525000.00 |
| 13 | 2025-05 | 15808.33 | 1225.00 | 14583.33 | 510416.67 |
| 14 | 2025-06 | 15774.31 | 1190.97 | 14583.33 | 495833.33 |
| 15 | 2025-07 | 15740.28 | 1156.94 | 14583.33 | 481250.00 |
| 16 | 2025-08 | 15706.25 | 1122.92 | 14583.33 | 466666.67 |
| 17 | 2025-09 | 15672.22 | 1088.89 | 14583.33 | 452083.33 |
| 18 | 2025-10 | 15638.19 | 1054.86 | 14583.33 | 437500.00 |
| 19 | 2025-11 | 15604.17 | 1020.83 | 14583.33 | 422916.67 |
| 20 | 2025-12 | 15570.14 | 986.81 | 14583.33 | 408333.33 |
| 21 | 2026-01 | 15536.11 | 952.78 | 14583.33 | 393750.00 |
| 22 | 2026-02 | 15502.08 | 918.75 | 14583.33 | 379166.67 |
| 23 | 2026-03 | 15468.06 | 884.72 | 14583.33 | 364583.33 |
| 24 | 2026-04 | 15434.03 | 850.69 | 14583.33 | 350000.00 |
| 25 | 2026-05 | 15400.00 | 816.67 | 14583.33 | 335416.67 |
| 26 | 2026-06 | 15365.97 | 782.64 | 14583.33 | 320833.33 |
| 27 | 2026-07 | 15331.94 | 748.61 | 14583.33 | 306250.00 |
| 28 | 2026-08 | 15297.92 | 714.58 | 14583.33 | 291666.67 |
| 29 | 2026-09 | 15263.89 | 680.56 | 14583.33 | 277083.33 |
| 30 | 2026-10 | 15229.86 | 646.53 | 14583.33 | 262500.00 |
| 31 | 2026-11 | 15195.83 | 612.50 | 14583.33 | 247916.67 |
| 32 | 2026-12 | 15161.81 | 578.47 | 14583.33 | 233333.33 |
| 33 | 2027-01 | 15127.78 | 544.44 | 14583.33 | 218750.00 |
| 34 | 2027-02 | 15093.75 | 510.42 | 14583.33 | 204166.67 |
| 35 | 2027-03 | 15059.72 | 476.39 | 14583.33 | 189583.33 |
| 36 | 2027-04 | 15025.69 | 442.36 | 14583.33 | 175000.00 |
| 37 | 2027-05 | 14991.67 | 408.33 | 14583.33 | 160416.67 |
| 38 | 2027-06 | 14957.64 | 374.31 | 14583.33 | 145833.33 |
| 39 | 2027-07 | 14923.61 | 340.28 | 14583.33 | 131250.00 |
| 40 | 2027-08 | 14889.58 | 306.25 | 14583.33 | 116666.67 |
| 41 | 2027-09 | 14855.56 | 272.22 | 14583.33 | 102083.33 |
| 42 | 2027-10 | 14821.53 | 238.19 | 14583.33 | 87500.00 |
| 43 | 2027-11 | 14787.50 | 204.17 | 14583.33 | 72916.67 |
| 44 | 2027-12 | 14753.47 | 170.14 | 14583.33 | 58333.33 |
| 45 | 2028-01 | 14719.44 | 136.11 | 14583.33 | 43750.00 |
| 46 | 2028-02 | 14685.42 | 102.08 | 14583.33 | 29166.67 |
| 47 | 2028-03 | 14651.39 | 68.06 | 14583.33 | 14583.33 |
| 48 | 2028-04 | 14617.36 | 34.03 | 14583.33 | 0.00 |