贷款20.64万（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：20.64万
还款月数：3年4个月
每月还款：5414.49元
利息总额：1.02万
本息合计：21.66万
| 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 | 5414.49 | 490.14 | 4924.35 | 201452.44 |
| 2 | 2026-04 | 5414.49 | 478.45 | 4936.04 | 196516.40 |
| 3 | 2026-05 | 5414.49 | 466.73 | 4947.77 | 191568.64 |
| 4 | 2026-06 | 5414.49 | 454.98 | 4959.52 | 186609.12 |
| 5 | 2026-07 | 5414.49 | 443.20 | 4971.30 | 181637.82 |
| 6 | 2026-08 | 5414.49 | 431.39 | 4983.10 | 176654.72 |
| 7 | 2026-09 | 5414.49 | 419.55 | 4994.94 | 171659.79 |
| 8 | 2026-10 | 5414.49 | 407.69 | 5006.80 | 166652.99 |
| 9 | 2026-11 | 5414.49 | 395.80 | 5018.69 | 161634.30 |
| 10 | 2026-12 | 5414.49 | 383.88 | 5030.61 | 156603.69 |
| 11 | 2027-01 | 5414.49 | 371.93 | 5042.56 | 151561.13 |
| 12 | 2027-02 | 5414.49 | 359.96 | 5054.53 | 146506.59 |
| 13 | 2027-03 | 5414.49 | 347.95 | 5066.54 | 141440.05 |
| 14 | 2027-04 | 5414.49 | 335.92 | 5078.57 | 136361.48 |
| 15 | 2027-05 | 5414.49 | 323.86 | 5090.63 | 131270.85 |
| 16 | 2027-06 | 5414.49 | 311.77 | 5102.72 | 126168.13 |
| 17 | 2027-07 | 5414.49 | 299.65 | 5114.84 | 121053.28 |
| 18 | 2027-08 | 5414.49 | 287.50 | 5126.99 | 115926.29 |
| 19 | 2027-09 | 5414.49 | 275.32 | 5139.17 | 110787.13 |
| 20 | 2027-10 | 5414.49 | 263.12 | 5151.37 | 105635.75 |
| 21 | 2027-11 | 5414.49 | 250.88 | 5163.61 | 100472.15 |
| 22 | 2027-12 | 5414.49 | 238.62 | 5175.87 | 95296.28 |
| 23 | 2028-01 | 5414.49 | 226.33 | 5188.16 | 90108.11 |
| 24 | 2028-02 | 5414.49 | 214.01 | 5200.48 | 84907.63 |
| 25 | 2028-03 | 5414.49 | 201.66 | 5212.84 | 79694.79 |
| 26 | 2028-04 | 5414.49 | 189.28 | 5225.22 | 74469.58 |
| 27 | 2028-05 | 5414.49 | 176.87 | 5237.63 | 69231.95 |
| 28 | 2028-06 | 5414.49 | 164.43 | 5250.07 | 63981.88 |
| 29 | 2028-07 | 5414.49 | 151.96 | 5262.53 | 58719.35 |
| 30 | 2028-08 | 5414.49 | 139.46 | 5275.03 | 53444.32 |
| 31 | 2028-09 | 5414.49 | 126.93 | 5287.56 | 48156.76 |
| 32 | 2028-10 | 5414.49 | 114.37 | 5300.12 | 42856.64 |
| 33 | 2028-11 | 5414.49 | 101.78 | 5312.71 | 37543.93 |
| 34 | 2028-12 | 5414.49 | 89.17 | 5325.32 | 32218.60 |
| 35 | 2029-01 | 5414.49 | 76.52 | 5337.97 | 26880.63 |
| 36 | 2029-02 | 5414.49 | 63.84 | 5350.65 | 21529.98 |
| 37 | 2029-03 | 5414.49 | 51.13 | 5363.36 | 16166.62 |
| 38 | 2029-04 | 5414.49 | 38.40 | 5376.10 | 10790.53 |
| 39 | 2029-05 | 5414.49 | 25.63 | 5388.86 | 5401.66 |
| 40 | 2029-06 | 5414.49 | 12.83 | 5401.66 | 0.00 |
等额本金还款方式：
贷款总额：20.64万
还款月数：3年4个月
首月还款：5649.56元
每月递减：12.25元
利息总额：1万
本息合计：21.64万
节省利息：154.91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 | 5649.56 | 490.14 | 5159.42 | 201217.37 |
| 2 | 2026-04 | 5637.31 | 477.89 | 5159.42 | 196057.95 |
| 3 | 2026-05 | 5625.06 | 465.64 | 5159.42 | 190898.53 |
| 4 | 2026-06 | 5612.80 | 453.38 | 5159.42 | 185739.11 |
| 5 | 2026-07 | 5600.55 | 441.13 | 5159.42 | 180579.69 |
| 6 | 2026-08 | 5588.30 | 428.88 | 5159.42 | 175420.27 |
| 7 | 2026-09 | 5576.04 | 416.62 | 5159.42 | 170260.85 |
| 8 | 2026-10 | 5563.79 | 404.37 | 5159.42 | 165101.43 |
| 9 | 2026-11 | 5551.54 | 392.12 | 5159.42 | 159942.01 |
| 10 | 2026-12 | 5539.28 | 379.86 | 5159.42 | 154782.59 |
| 11 | 2027-01 | 5527.03 | 367.61 | 5159.42 | 149623.17 |
| 12 | 2027-02 | 5514.77 | 355.36 | 5159.42 | 144463.75 |
| 13 | 2027-03 | 5502.52 | 343.10 | 5159.42 | 139304.33 |
| 14 | 2027-04 | 5490.27 | 330.85 | 5159.42 | 134144.91 |
| 15 | 2027-05 | 5478.01 | 318.59 | 5159.42 | 128985.49 |
| 16 | 2027-06 | 5465.76 | 306.34 | 5159.42 | 123826.07 |
| 17 | 2027-07 | 5453.51 | 294.09 | 5159.42 | 118666.65 |
| 18 | 2027-08 | 5441.25 | 281.83 | 5159.42 | 113507.23 |
| 19 | 2027-09 | 5429.00 | 269.58 | 5159.42 | 108347.81 |
| 20 | 2027-10 | 5416.75 | 257.33 | 5159.42 | 103188.40 |
| 21 | 2027-11 | 5404.49 | 245.07 | 5159.42 | 98028.98 |
| 22 | 2027-12 | 5392.24 | 232.82 | 5159.42 | 92869.56 |
| 23 | 2028-01 | 5379.98 | 220.57 | 5159.42 | 87710.14 |
| 24 | 2028-02 | 5367.73 | 208.31 | 5159.42 | 82550.72 |
| 25 | 2028-03 | 5355.48 | 196.06 | 5159.42 | 77391.30 |
| 26 | 2028-04 | 5343.22 | 183.80 | 5159.42 | 72231.88 |
| 27 | 2028-05 | 5330.97 | 171.55 | 5159.42 | 67072.46 |
| 28 | 2028-06 | 5318.72 | 159.30 | 5159.42 | 61913.04 |
| 29 | 2028-07 | 5306.46 | 147.04 | 5159.42 | 56753.62 |
| 30 | 2028-08 | 5294.21 | 134.79 | 5159.42 | 51594.20 |
| 31 | 2028-09 | 5281.96 | 122.54 | 5159.42 | 46434.78 |
| 32 | 2028-10 | 5269.70 | 110.28 | 5159.42 | 41275.36 |
| 33 | 2028-11 | 5257.45 | 98.03 | 5159.42 | 36115.94 |
| 34 | 2028-12 | 5245.20 | 85.78 | 5159.42 | 30956.52 |
| 35 | 2029-01 | 5232.94 | 73.52 | 5159.42 | 25797.10 |
| 36 | 2029-02 | 5220.69 | 61.27 | 5159.42 | 20637.68 |
| 37 | 2029-03 | 5208.43 | 49.01 | 5159.42 | 15478.26 |
| 38 | 2029-04 | 5196.18 | 36.76 | 5159.42 | 10318.84 |
| 39 | 2029-05 | 5183.93 | 24.51 | 5159.42 | 5159.42 |
| 40 | 2029-06 | 5171.67 | 12.25 | 5159.42 | 0.00 |