贷款18.83万（公积金贷款）房贷，还款4年6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：4年6个月
每月还款：3718.79元
利息总额：1.26万
本息合计：20.08万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 3718.79 | 447.12 | 3271.67 | 184989.39 |
| 2 | 2026-04 | 3718.79 | 439.35 | 3279.44 | 181709.96 |
| 3 | 2026-05 | 3718.79 | 431.56 | 3287.22 | 178422.73 |
| 4 | 2026-06 | 3718.79 | 423.75 | 3295.03 | 175127.70 |
| 5 | 2026-07 | 3718.79 | 415.93 | 3302.86 | 171824.84 |
| 6 | 2026-08 | 3718.79 | 408.08 | 3310.70 | 168514.14 |
| 7 | 2026-09 | 3718.79 | 400.22 | 3318.56 | 165195.58 |
| 8 | 2026-10 | 3718.79 | 392.34 | 3326.45 | 161869.13 |
| 9 | 2026-11 | 3718.79 | 384.44 | 3334.35 | 158534.78 |
| 10 | 2026-12 | 3718.79 | 376.52 | 3342.27 | 155192.52 |
| 11 | 2027-01 | 3718.79 | 368.58 | 3350.20 | 151842.31 |
| 12 | 2027-02 | 3718.79 | 360.63 | 3358.16 | 148484.15 |
| 13 | 2027-03 | 3718.79 | 352.65 | 3366.14 | 145118.02 |
| 14 | 2027-04 | 3718.79 | 344.66 | 3374.13 | 141743.89 |
| 15 | 2027-05 | 3718.79 | 336.64 | 3382.14 | 138361.74 |
| 16 | 2027-06 | 3718.79 | 328.61 | 3390.18 | 134971.57 |
| 17 | 2027-07 | 3718.79 | 320.56 | 3398.23 | 131573.34 |
| 18 | 2027-08 | 3718.79 | 312.49 | 3406.30 | 128167.04 |
| 19 | 2027-09 | 3718.79 | 304.40 | 3414.39 | 124752.65 |
| 20 | 2027-10 | 3718.79 | 296.29 | 3422.50 | 121330.15 |
| 21 | 2027-11 | 3718.79 | 288.16 | 3430.63 | 117899.52 |
| 22 | 2027-12 | 3718.79 | 280.01 | 3438.77 | 114460.75 |
| 23 | 2028-01 | 3718.79 | 271.84 | 3446.94 | 111013.81 |
| 24 | 2028-02 | 3718.79 | 263.66 | 3455.13 | 107558.68 |
| 25 | 2028-03 | 3718.79 | 255.45 | 3463.33 | 104095.35 |
| 26 | 2028-04 | 3718.79 | 247.23 | 3471.56 | 100623.79 |
| 27 | 2028-05 | 3718.79 | 238.98 | 3479.80 | 97143.98 |
| 28 | 2028-06 | 3718.79 | 230.72 | 3488.07 | 93655.91 |
| 29 | 2028-07 | 3718.79 | 222.43 | 3496.35 | 90159.56 |
| 30 | 2028-08 | 3718.79 | 214.13 | 3504.66 | 86654.90 |
| 31 | 2028-09 | 3718.79 | 205.81 | 3512.98 | 83141.92 |
| 32 | 2028-10 | 3718.79 | 197.46 | 3521.32 | 79620.60 |
| 33 | 2028-11 | 3718.79 | 189.10 | 3529.69 | 76090.91 |
| 34 | 2028-12 | 3718.79 | 180.72 | 3538.07 | 72552.84 |
| 35 | 2029-01 | 3718.79 | 172.31 | 3546.47 | 69006.37 |
| 36 | 2029-02 | 3718.79 | 163.89 | 3554.90 | 65451.47 |
| 37 | 2029-03 | 3718.79 | 155.45 | 3563.34 | 61888.13 |
| 38 | 2029-04 | 3718.79 | 146.98 | 3571.80 | 58316.33 |
| 39 | 2029-05 | 3718.79 | 138.50 | 3580.28 | 54736.05 |
| 40 | 2029-06 | 3718.79 | 130.00 | 3588.79 | 51147.26 |
| 41 | 2029-07 | 3718.79 | 121.47 | 3597.31 | 47549.95 |
| 42 | 2029-08 | 3718.79 | 112.93 | 3605.85 | 43944.09 |
| 43 | 2029-09 | 3718.79 | 104.37 | 3614.42 | 40329.68 |
| 44 | 2029-10 | 3718.79 | 95.78 | 3623.00 | 36706.67 |
| 45 | 2029-11 | 3718.79 | 87.18 | 3631.61 | 33075.06 |
| 46 | 2029-12 | 3718.79 | 78.55 | 3640.23 | 29434.83 |
| 47 | 2030-01 | 3718.79 | 69.91 | 3648.88 | 25785.95 |
| 48 | 2030-02 | 3718.79 | 61.24 | 3657.54 | 22128.41 |
| 49 | 2030-03 | 3718.79 | 52.55 | 3666.23 | 18462.18 |
| 50 | 2030-04 | 3718.79 | 43.85 | 3674.94 | 14787.24 |
| 51 | 2030-05 | 3718.79 | 35.12 | 3683.67 | 11103.57 |
| 52 | 2030-06 | 3718.79 | 26.37 | 3692.41 | 7411.16 |
| 53 | 2030-07 | 3718.79 | 17.60 | 3701.18 | 3709.97 |
| 54 | 2030-08 | 3718.79 | 8.81 | 3709.97 | 0.00 |
等额本金还款方式：
贷款总额：18.83万
还款月数：4年6个月
首月还款：3933.44元
每月递减：8.28元
利息总额：1.23万
本息合计：20.06万
节省利息：257.58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 | 3933.44 | 447.12 | 3486.32 | 184774.74 |
| 2 | 2026-04 | 3925.16 | 438.84 | 3486.32 | 181288.43 |
| 3 | 2026-05 | 3916.88 | 430.56 | 3486.32 | 177802.11 |
| 4 | 2026-06 | 3908.60 | 422.28 | 3486.32 | 174315.80 |
| 5 | 2026-07 | 3900.32 | 414.00 | 3486.32 | 170829.48 |
| 6 | 2026-08 | 3892.04 | 405.72 | 3486.32 | 167343.16 |
| 7 | 2026-09 | 3883.76 | 397.44 | 3486.32 | 163856.85 |
| 8 | 2026-10 | 3875.48 | 389.16 | 3486.32 | 160370.53 |
| 9 | 2026-11 | 3867.20 | 380.88 | 3486.32 | 156884.22 |
| 10 | 2026-12 | 3858.92 | 372.60 | 3486.32 | 153397.90 |
| 11 | 2027-01 | 3850.64 | 364.32 | 3486.32 | 149911.58 |
| 12 | 2027-02 | 3842.36 | 356.04 | 3486.32 | 146425.27 |
| 13 | 2027-03 | 3834.08 | 347.76 | 3486.32 | 142938.95 |
| 14 | 2027-04 | 3825.80 | 339.48 | 3486.32 | 139452.64 |
| 15 | 2027-05 | 3817.52 | 331.20 | 3486.32 | 135966.32 |
| 16 | 2027-06 | 3809.24 | 322.92 | 3486.32 | 132480.01 |
| 17 | 2027-07 | 3800.96 | 314.64 | 3486.32 | 128993.69 |
| 18 | 2027-08 | 3792.68 | 306.36 | 3486.32 | 125507.37 |
| 19 | 2027-09 | 3784.40 | 298.08 | 3486.32 | 122021.06 |
| 20 | 2027-10 | 3776.12 | 289.80 | 3486.32 | 118534.74 |
| 21 | 2027-11 | 3767.84 | 281.52 | 3486.32 | 115048.43 |
| 22 | 2027-12 | 3759.56 | 273.24 | 3486.32 | 111562.11 |
| 23 | 2028-01 | 3751.28 | 264.96 | 3486.32 | 108075.79 |
| 24 | 2028-02 | 3743.00 | 256.68 | 3486.32 | 104589.48 |
| 25 | 2028-03 | 3734.72 | 248.40 | 3486.32 | 101103.16 |
| 26 | 2028-04 | 3726.44 | 240.12 | 3486.32 | 97616.85 |
| 27 | 2028-05 | 3718.16 | 231.84 | 3486.32 | 94130.53 |
| 28 | 2028-06 | 3709.88 | 223.56 | 3486.32 | 90644.21 |
| 29 | 2028-07 | 3701.60 | 215.28 | 3486.32 | 87157.90 |
| 30 | 2028-08 | 3693.32 | 207.00 | 3486.32 | 83671.58 |
| 31 | 2028-09 | 3685.04 | 198.72 | 3486.32 | 80185.27 |
| 32 | 2028-10 | 3676.76 | 190.44 | 3486.32 | 76698.95 |
| 33 | 2028-11 | 3668.48 | 182.16 | 3486.32 | 73212.63 |
| 34 | 2028-12 | 3660.20 | 173.88 | 3486.32 | 69726.32 |
| 35 | 2029-01 | 3651.92 | 165.60 | 3486.32 | 66240.00 |
| 36 | 2029-02 | 3643.64 | 157.32 | 3486.32 | 62753.69 |
| 37 | 2029-03 | 3635.36 | 149.04 | 3486.32 | 59267.37 |
| 38 | 2029-04 | 3627.08 | 140.76 | 3486.32 | 55781.05 |
| 39 | 2029-05 | 3618.80 | 132.48 | 3486.32 | 52294.74 |
| 40 | 2029-06 | 3610.52 | 124.20 | 3486.32 | 48808.42 |
| 41 | 2029-07 | 3602.24 | 115.92 | 3486.32 | 45322.11 |
| 42 | 2029-08 | 3593.96 | 107.64 | 3486.32 | 41835.79 |
| 43 | 2029-09 | 3585.68 | 99.36 | 3486.32 | 38349.48 |
| 44 | 2029-10 | 3577.40 | 91.08 | 3486.32 | 34863.16 |
| 45 | 2029-11 | 3569.12 | 82.80 | 3486.32 | 31376.84 |
| 46 | 2029-12 | 3560.84 | 74.52 | 3486.32 | 27890.53 |
| 47 | 2030-01 | 3552.56 | 66.24 | 3486.32 | 24404.21 |
| 48 | 2030-02 | 3544.28 | 57.96 | 3486.32 | 20917.90 |
| 49 | 2030-03 | 3536.00 | 49.68 | 3486.32 | 17431.58 |
| 50 | 2030-04 | 3527.72 | 41.40 | 3486.32 | 13945.26 |
| 51 | 2030-05 | 3519.44 | 33.12 | 3486.32 | 10458.95 |
| 52 | 2030-06 | 3511.16 | 24.84 | 3486.32 | 6972.63 |
| 53 | 2030-07 | 3502.88 | 16.56 | 3486.32 | 3486.32 |
| 54 | 2030-08 | 3494.60 | 8.28 | 3486.32 | 0.00 |