贷款12万（公积金贷款）房贷，还款4年2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：12万
还款月数：4年2个月
每月还款：2548.17元
利息总额：7408.26元
本息合计：12.74万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 2548.17 | 285.00 | 2263.17 | 117736.83 |
| 2 | 2025-04 | 2548.17 | 279.62 | 2268.54 | 115468.29 |
| 3 | 2025-05 | 2548.17 | 274.24 | 2273.93 | 113194.37 |
| 4 | 2025-06 | 2548.17 | 268.84 | 2279.33 | 110915.04 |
| 5 | 2025-07 | 2548.17 | 263.42 | 2284.74 | 108630.30 |
| 6 | 2025-08 | 2548.17 | 258.00 | 2290.17 | 106340.13 |
| 7 | 2025-09 | 2548.17 | 252.56 | 2295.61 | 104044.52 |
| 8 | 2025-10 | 2548.17 | 247.11 | 2301.06 | 101743.46 |
| 9 | 2025-11 | 2548.17 | 241.64 | 2306.52 | 99436.94 |
| 10 | 2025-12 | 2548.17 | 236.16 | 2312.00 | 97124.93 |
| 11 | 2026-01 | 2548.17 | 230.67 | 2317.49 | 94807.44 |
| 12 | 2026-02 | 2548.17 | 225.17 | 2323.00 | 92484.44 |
| 13 | 2026-03 | 2548.17 | 219.65 | 2328.51 | 90155.93 |
| 14 | 2026-04 | 2548.17 | 214.12 | 2334.04 | 87821.88 |
| 15 | 2026-05 | 2548.17 | 208.58 | 2339.59 | 85482.30 |
| 16 | 2026-06 | 2548.17 | 203.02 | 2345.14 | 83137.15 |
| 17 | 2026-07 | 2548.17 | 197.45 | 2350.71 | 80786.44 |
| 18 | 2026-08 | 2548.17 | 191.87 | 2356.30 | 78430.14 |
| 19 | 2026-09 | 2548.17 | 186.27 | 2361.89 | 76068.25 |
| 20 | 2026-10 | 2548.17 | 180.66 | 2367.50 | 73700.74 |
| 21 | 2026-11 | 2548.17 | 175.04 | 2373.13 | 71327.62 |
| 22 | 2026-12 | 2548.17 | 169.40 | 2378.76 | 68948.85 |
| 23 | 2027-01 | 2548.17 | 163.75 | 2384.41 | 66564.44 |
| 24 | 2027-02 | 2548.17 | 158.09 | 2390.07 | 64174.37 |
| 25 | 2027-03 | 2548.17 | 152.41 | 2395.75 | 61778.62 |
| 26 | 2027-04 | 2548.17 | 146.72 | 2401.44 | 59377.18 |
| 27 | 2027-05 | 2548.17 | 141.02 | 2407.14 | 56970.03 |
| 28 | 2027-06 | 2548.17 | 135.30 | 2412.86 | 54557.17 |
| 29 | 2027-07 | 2548.17 | 129.57 | 2418.59 | 52138.58 |
| 30 | 2027-08 | 2548.17 | 123.83 | 2424.34 | 49714.24 |
| 31 | 2027-09 | 2548.17 | 118.07 | 2430.09 | 47284.15 |
| 32 | 2027-10 | 2548.17 | 112.30 | 2435.87 | 44848.28 |
| 33 | 2027-11 | 2548.17 | 106.51 | 2441.65 | 42406.63 |
| 34 | 2027-12 | 2548.17 | 100.72 | 2447.45 | 39959.18 |
| 35 | 2028-01 | 2548.17 | 94.90 | 2453.26 | 37505.92 |
| 36 | 2028-02 | 2548.17 | 89.08 | 2459.09 | 35046.83 |
| 37 | 2028-03 | 2548.17 | 83.24 | 2464.93 | 32581.90 |
| 38 | 2028-04 | 2548.17 | 77.38 | 2470.78 | 30111.12 |
| 39 | 2028-05 | 2548.17 | 71.51 | 2476.65 | 27634.47 |
| 40 | 2028-06 | 2548.17 | 65.63 | 2482.53 | 25151.94 |
| 41 | 2028-07 | 2548.17 | 59.74 | 2488.43 | 22663.51 |
| 42 | 2028-08 | 2548.17 | 53.83 | 2494.34 | 20169.17 |
| 43 | 2028-09 | 2548.17 | 47.90 | 2500.26 | 17668.90 |
| 44 | 2028-10 | 2548.17 | 41.96 | 2506.20 | 15162.70 |
| 45 | 2028-11 | 2548.17 | 36.01 | 2512.15 | 12650.55 |
| 46 | 2028-12 | 2548.17 | 30.05 | 2518.12 | 10132.43 |
| 47 | 2029-01 | 2548.17 | 24.06 | 2524.10 | 7608.33 |
| 48 | 2029-02 | 2548.17 | 18.07 | 2530.10 | 5078.23 |
| 49 | 2029-03 | 2548.17 | 12.06 | 2536.10 | 2542.13 |
| 50 | 2029-04 | 2548.17 | 6.04 | 2542.13 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：4年2个月
首月还款：2685元
每月递减：5.7元
利息总额：7267.5元
本息合计：12.73万
节省利息：140.76元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 2685.00 | 285.00 | 2400.00 | 117600.00 |
| 2 | 2025-04 | 2679.30 | 279.30 | 2400.00 | 115200.00 |
| 3 | 2025-05 | 2673.60 | 273.60 | 2400.00 | 112800.00 |
| 4 | 2025-06 | 2667.90 | 267.90 | 2400.00 | 110400.00 |
| 5 | 2025-07 | 2662.20 | 262.20 | 2400.00 | 108000.00 |
| 6 | 2025-08 | 2656.50 | 256.50 | 2400.00 | 105600.00 |
| 7 | 2025-09 | 2650.80 | 250.80 | 2400.00 | 103200.00 |
| 8 | 2025-10 | 2645.10 | 245.10 | 2400.00 | 100800.00 |
| 9 | 2025-11 | 2639.40 | 239.40 | 2400.00 | 98400.00 |
| 10 | 2025-12 | 2633.70 | 233.70 | 2400.00 | 96000.00 |
| 11 | 2026-01 | 2628.00 | 228.00 | 2400.00 | 93600.00 |
| 12 | 2026-02 | 2622.30 | 222.30 | 2400.00 | 91200.00 |
| 13 | 2026-03 | 2616.60 | 216.60 | 2400.00 | 88800.00 |
| 14 | 2026-04 | 2610.90 | 210.90 | 2400.00 | 86400.00 |
| 15 | 2026-05 | 2605.20 | 205.20 | 2400.00 | 84000.00 |
| 16 | 2026-06 | 2599.50 | 199.50 | 2400.00 | 81600.00 |
| 17 | 2026-07 | 2593.80 | 193.80 | 2400.00 | 79200.00 |
| 18 | 2026-08 | 2588.10 | 188.10 | 2400.00 | 76800.00 |
| 19 | 2026-09 | 2582.40 | 182.40 | 2400.00 | 74400.00 |
| 20 | 2026-10 | 2576.70 | 176.70 | 2400.00 | 72000.00 |
| 21 | 2026-11 | 2571.00 | 171.00 | 2400.00 | 69600.00 |
| 22 | 2026-12 | 2565.30 | 165.30 | 2400.00 | 67200.00 |
| 23 | 2027-01 | 2559.60 | 159.60 | 2400.00 | 64800.00 |
| 24 | 2027-02 | 2553.90 | 153.90 | 2400.00 | 62400.00 |
| 25 | 2027-03 | 2548.20 | 148.20 | 2400.00 | 60000.00 |
| 26 | 2027-04 | 2542.50 | 142.50 | 2400.00 | 57600.00 |
| 27 | 2027-05 | 2536.80 | 136.80 | 2400.00 | 55200.00 |
| 28 | 2027-06 | 2531.10 | 131.10 | 2400.00 | 52800.00 |
| 29 | 2027-07 | 2525.40 | 125.40 | 2400.00 | 50400.00 |
| 30 | 2027-08 | 2519.70 | 119.70 | 2400.00 | 48000.00 |
| 31 | 2027-09 | 2514.00 | 114.00 | 2400.00 | 45600.00 |
| 32 | 2027-10 | 2508.30 | 108.30 | 2400.00 | 43200.00 |
| 33 | 2027-11 | 2502.60 | 102.60 | 2400.00 | 40800.00 |
| 34 | 2027-12 | 2496.90 | 96.90 | 2400.00 | 38400.00 |
| 35 | 2028-01 | 2491.20 | 91.20 | 2400.00 | 36000.00 |
| 36 | 2028-02 | 2485.50 | 85.50 | 2400.00 | 33600.00 |
| 37 | 2028-03 | 2479.80 | 79.80 | 2400.00 | 31200.00 |
| 38 | 2028-04 | 2474.10 | 74.10 | 2400.00 | 28800.00 |
| 39 | 2028-05 | 2468.40 | 68.40 | 2400.00 | 26400.00 |
| 40 | 2028-06 | 2462.70 | 62.70 | 2400.00 | 24000.00 |
| 41 | 2028-07 | 2457.00 | 57.00 | 2400.00 | 21600.00 |
| 42 | 2028-08 | 2451.30 | 51.30 | 2400.00 | 19200.00 |
| 43 | 2028-09 | 2445.60 | 45.60 | 2400.00 | 16800.00 |
| 44 | 2028-10 | 2439.90 | 39.90 | 2400.00 | 14400.00 |
| 45 | 2028-11 | 2434.20 | 34.20 | 2400.00 | 12000.00 |
| 46 | 2028-12 | 2428.50 | 28.50 | 2400.00 | 9600.00 |
| 47 | 2029-01 | 2422.80 | 22.80 | 2400.00 | 7200.00 |
| 48 | 2029-02 | 2417.10 | 17.10 | 2400.00 | 4800.00 |
| 49 | 2029-03 | 2411.40 | 11.40 | 2400.00 | 2400.00 |
| 50 | 2029-04 | 2405.70 | 5.70 | 2400.00 | 0.00 |