贷款18.83万（公积金贷款）房贷，还款3年4个月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：18.83万
还款月数：3年4个月
每月还款：4939.21元
利息总额：9307.27元
本息合计：19.76万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 4939.21 | 447.12 | 4492.09 | 183768.97 |
| 2 | 2026-04 | 4939.21 | 436.45 | 4502.76 | 179266.21 |
| 3 | 2026-05 | 4939.21 | 425.76 | 4513.45 | 174752.76 |
| 4 | 2026-06 | 4939.21 | 415.04 | 4524.17 | 170228.59 |
| 5 | 2026-07 | 4939.21 | 404.29 | 4534.92 | 165693.68 |
| 6 | 2026-08 | 4939.21 | 393.52 | 4545.69 | 161147.99 |
| 7 | 2026-09 | 4939.21 | 382.73 | 4556.48 | 156591.51 |
| 8 | 2026-10 | 4939.21 | 371.90 | 4567.30 | 152024.21 |
| 9 | 2026-11 | 4939.21 | 361.06 | 4578.15 | 147446.06 |
| 10 | 2026-12 | 4939.21 | 350.18 | 4589.02 | 142857.03 |
| 11 | 2027-01 | 4939.21 | 339.29 | 4599.92 | 138257.11 |
| 12 | 2027-02 | 4939.21 | 328.36 | 4610.85 | 133646.26 |
| 13 | 2027-03 | 4939.21 | 317.41 | 4621.80 | 129024.46 |
| 14 | 2027-04 | 4939.21 | 306.43 | 4632.78 | 124391.69 |
| 15 | 2027-05 | 4939.21 | 295.43 | 4643.78 | 119747.91 |
| 16 | 2027-06 | 4939.21 | 284.40 | 4654.81 | 115093.10 |
| 17 | 2027-07 | 4939.21 | 273.35 | 4665.86 | 110427.24 |
| 18 | 2027-08 | 4939.21 | 262.26 | 4676.94 | 105750.30 |
| 19 | 2027-09 | 4939.21 | 251.16 | 4688.05 | 101062.25 |
| 20 | 2027-10 | 4939.21 | 240.02 | 4699.19 | 96363.06 |
| 21 | 2027-11 | 4939.21 | 228.86 | 4710.35 | 91652.71 |
| 22 | 2027-12 | 4939.21 | 217.68 | 4721.53 | 86931.18 |
| 23 | 2028-01 | 4939.21 | 206.46 | 4732.75 | 82198.43 |
| 24 | 2028-02 | 4939.21 | 195.22 | 4743.99 | 77454.45 |
| 25 | 2028-03 | 4939.21 | 183.95 | 4755.25 | 72699.19 |
| 26 | 2028-04 | 4939.21 | 172.66 | 4766.55 | 67932.65 |
| 27 | 2028-05 | 4939.21 | 161.34 | 4777.87 | 63154.78 |
| 28 | 2028-06 | 4939.21 | 149.99 | 4789.22 | 58365.56 |
| 29 | 2028-07 | 4939.21 | 138.62 | 4800.59 | 53564.97 |
| 30 | 2028-08 | 4939.21 | 127.22 | 4811.99 | 48752.98 |
| 31 | 2028-09 | 4939.21 | 115.79 | 4823.42 | 43929.56 |
| 32 | 2028-10 | 4939.21 | 104.33 | 4834.88 | 39094.69 |
| 33 | 2028-11 | 4939.21 | 92.85 | 4846.36 | 34248.33 |
| 34 | 2028-12 | 4939.21 | 81.34 | 4857.87 | 29390.46 |
| 35 | 2029-01 | 4939.21 | 69.80 | 4869.41 | 24521.05 |
| 36 | 2029-02 | 4939.21 | 58.24 | 4880.97 | 19640.08 |
| 37 | 2029-03 | 4939.21 | 46.65 | 4892.56 | 14747.52 |
| 38 | 2029-04 | 4939.21 | 35.03 | 4904.18 | 9843.34 |
| 39 | 2029-05 | 4939.21 | 23.38 | 4915.83 | 4927.51 |
| 40 | 2029-06 | 4939.21 | 11.70 | 4927.51 | 0.00 |
等额本金还款方式：
贷款总额：18.83万
还款月数：3年4个月
首月还款：5153.65元
每月递减：11.18元
利息总额：9165.96元
本息合计：19.74万
节省利息：141.31元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 5153.65 | 447.12 | 4706.53 | 183554.53 |
| 2 | 2026-04 | 5142.47 | 435.94 | 4706.53 | 178848.01 |
| 3 | 2026-05 | 5131.29 | 424.76 | 4706.53 | 174141.48 |
| 4 | 2026-06 | 5120.11 | 413.59 | 4706.53 | 169434.95 |
| 5 | 2026-07 | 5108.93 | 402.41 | 4706.53 | 164728.43 |
| 6 | 2026-08 | 5097.76 | 391.23 | 4706.53 | 160021.90 |
| 7 | 2026-09 | 5086.58 | 380.05 | 4706.53 | 155315.37 |
| 8 | 2026-10 | 5075.40 | 368.87 | 4706.53 | 150608.85 |
| 9 | 2026-11 | 5064.22 | 357.70 | 4706.53 | 145902.32 |
| 10 | 2026-12 | 5053.04 | 346.52 | 4706.53 | 141195.79 |
| 11 | 2027-01 | 5041.87 | 335.34 | 4706.53 | 136489.27 |
| 12 | 2027-02 | 5030.69 | 324.16 | 4706.53 | 131782.74 |
| 13 | 2027-03 | 5019.51 | 312.98 | 4706.53 | 127076.22 |
| 14 | 2027-04 | 5008.33 | 301.81 | 4706.53 | 122369.69 |
| 15 | 2027-05 | 4997.15 | 290.63 | 4706.53 | 117663.16 |
| 16 | 2027-06 | 4985.98 | 279.45 | 4706.53 | 112956.64 |
| 17 | 2027-07 | 4974.80 | 268.27 | 4706.53 | 108250.11 |
| 18 | 2027-08 | 4963.62 | 257.09 | 4706.53 | 103543.58 |
| 19 | 2027-09 | 4952.44 | 245.92 | 4706.53 | 98837.06 |
| 20 | 2027-10 | 4941.26 | 234.74 | 4706.53 | 94130.53 |
| 21 | 2027-11 | 4930.09 | 223.56 | 4706.53 | 89424.00 |
| 22 | 2027-12 | 4918.91 | 212.38 | 4706.53 | 84717.48 |
| 23 | 2028-01 | 4907.73 | 201.20 | 4706.53 | 80010.95 |
| 24 | 2028-02 | 4896.55 | 190.03 | 4706.53 | 75304.42 |
| 25 | 2028-03 | 4885.37 | 178.85 | 4706.53 | 70597.90 |
| 26 | 2028-04 | 4874.20 | 167.67 | 4706.53 | 65891.37 |
| 27 | 2028-05 | 4863.02 | 156.49 | 4706.53 | 61184.84 |
| 28 | 2028-06 | 4851.84 | 145.31 | 4706.53 | 56478.32 |
| 29 | 2028-07 | 4840.66 | 134.14 | 4706.53 | 51771.79 |
| 30 | 2028-08 | 4829.48 | 122.96 | 4706.53 | 47065.27 |
| 31 | 2028-09 | 4818.31 | 111.78 | 4706.53 | 42358.74 |
| 32 | 2028-10 | 4807.13 | 100.60 | 4706.53 | 37652.21 |
| 33 | 2028-11 | 4795.95 | 89.42 | 4706.53 | 32945.69 |
| 34 | 2028-12 | 4784.77 | 78.25 | 4706.53 | 28239.16 |
| 35 | 2029-01 | 4773.59 | 67.07 | 4706.53 | 23532.63 |
| 36 | 2029-02 | 4762.42 | 55.89 | 4706.53 | 18826.11 |
| 37 | 2029-03 | 4751.24 | 44.71 | 4706.53 | 14119.58 |
| 38 | 2029-04 | 4740.06 | 33.53 | 4706.53 | 9413.05 |
| 39 | 2029-05 | 4728.88 | 22.36 | 4706.53 | 4706.53 |
| 40 | 2029-06 | 4717.70 | 11.18 | 4706.53 | 0.00 |