贷款25万（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：25万
还款月数：4年
每月还款：5489.5元
利息总额：1.35万
本息合计：26.35万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 5489.50 | 541.67 | 4947.83 | 245052.17 |
| 2 | 2024-04 | 5489.50 | 530.95 | 4958.55 | 240093.62 |
| 3 | 2024-05 | 5489.50 | 520.20 | 4969.29 | 235124.33 |
| 4 | 2024-06 | 5489.50 | 509.44 | 4980.06 | 230144.27 |
| 5 | 2024-07 | 5489.50 | 498.65 | 4990.85 | 225153.42 |
| 6 | 2024-08 | 5489.50 | 487.83 | 5001.66 | 220151.76 |
| 7 | 2024-09 | 5489.50 | 477.00 | 5012.50 | 215139.26 |
| 8 | 2024-10 | 5489.50 | 466.14 | 5023.36 | 210115.90 |
| 9 | 2024-11 | 5489.50 | 455.25 | 5034.24 | 205081.65 |
| 10 | 2024-12 | 5489.50 | 444.34 | 5045.15 | 200036.50 |
| 11 | 2025-01 | 5489.50 | 433.41 | 5056.08 | 194980.42 |
| 12 | 2025-02 | 5489.50 | 422.46 | 5067.04 | 189913.38 |
| 13 | 2025-03 | 5489.50 | 411.48 | 5078.02 | 184835.36 |
| 14 | 2025-04 | 5489.50 | 400.48 | 5089.02 | 179746.34 |
| 15 | 2025-05 | 5489.50 | 389.45 | 5100.05 | 174646.30 |
| 16 | 2025-06 | 5489.50 | 378.40 | 5111.10 | 169535.20 |
| 17 | 2025-07 | 5489.50 | 367.33 | 5122.17 | 164413.03 |
| 18 | 2025-08 | 5489.50 | 356.23 | 5133.27 | 159279.77 |
| 19 | 2025-09 | 5489.50 | 345.11 | 5144.39 | 154135.38 |
| 20 | 2025-10 | 5489.50 | 333.96 | 5155.54 | 148979.84 |
| 21 | 2025-11 | 5489.50 | 322.79 | 5166.71 | 143813.14 |
| 22 | 2025-12 | 5489.50 | 311.60 | 5177.90 | 138635.24 |
| 23 | 2026-01 | 5489.50 | 300.38 | 5189.12 | 133446.12 |
| 24 | 2026-02 | 5489.50 | 289.13 | 5200.36 | 128245.75 |
| 25 | 2026-03 | 5489.50 | 277.87 | 5211.63 | 123034.12 |
| 26 | 2026-04 | 5489.50 | 266.57 | 5222.92 | 117811.20 |
| 27 | 2026-05 | 5489.50 | 255.26 | 5234.24 | 112576.97 |
| 28 | 2026-06 | 5489.50 | 243.92 | 5245.58 | 107331.39 |
| 29 | 2026-07 | 5489.50 | 232.55 | 5256.94 | 102074.44 |
| 30 | 2026-08 | 5489.50 | 221.16 | 5268.33 | 96806.11 |
| 31 | 2026-09 | 5489.50 | 209.75 | 5279.75 | 91526.36 |
| 32 | 2026-10 | 5489.50 | 198.31 | 5291.19 | 86235.17 |
| 33 | 2026-11 | 5489.50 | 186.84 | 5302.65 | 80932.52 |
| 34 | 2026-12 | 5489.50 | 175.35 | 5314.14 | 75618.38 |
| 35 | 2027-01 | 5489.50 | 163.84 | 5325.66 | 70292.72 |
| 36 | 2027-02 | 5489.50 | 152.30 | 5337.19 | 64955.53 |
| 37 | 2027-03 | 5489.50 | 140.74 | 5348.76 | 59606.77 |
| 38 | 2027-04 | 5489.50 | 129.15 | 5360.35 | 54246.42 |
| 39 | 2027-05 | 5489.50 | 117.53 | 5371.96 | 48874.46 |
| 40 | 2027-06 | 5489.50 | 105.89 | 5383.60 | 43490.86 |
| 41 | 2027-07 | 5489.50 | 94.23 | 5395.27 | 38095.59 |
| 42 | 2027-08 | 5489.50 | 82.54 | 5406.96 | 32688.64 |
| 43 | 2027-09 | 5489.50 | 70.83 | 5418.67 | 27269.97 |
| 44 | 2027-10 | 5489.50 | 59.08 | 5430.41 | 21839.56 |
| 45 | 2027-11 | 5489.50 | 47.32 | 5442.18 | 16397.38 |
| 46 | 2027-12 | 5489.50 | 35.53 | 5453.97 | 10943.41 |
| 47 | 2028-01 | 5489.50 | 23.71 | 5465.78 | 5477.63 |
| 48 | 2028-02 | 5489.50 | 11.87 | 5477.63 | 0.00 |
等额本金还款方式：
贷款总额：25万
还款月数：4年
首月还款：5750元
每月递减：11.28元
利息总额：1.33万
本息合计：26.33万
节省利息：224.95元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 5750.00 | 541.67 | 5208.33 | 244791.67 |
| 2 | 2024-04 | 5738.72 | 530.38 | 5208.33 | 239583.33 |
| 3 | 2024-05 | 5727.43 | 519.10 | 5208.33 | 234375.00 |
| 4 | 2024-06 | 5716.15 | 507.81 | 5208.33 | 229166.67 |
| 5 | 2024-07 | 5704.86 | 496.53 | 5208.33 | 223958.33 |
| 6 | 2024-08 | 5693.58 | 485.24 | 5208.33 | 218750.00 |
| 7 | 2024-09 | 5682.29 | 473.96 | 5208.33 | 213541.67 |
| 8 | 2024-10 | 5671.01 | 462.67 | 5208.33 | 208333.33 |
| 9 | 2024-11 | 5659.72 | 451.39 | 5208.33 | 203125.00 |
| 10 | 2024-12 | 5648.44 | 440.10 | 5208.33 | 197916.67 |
| 11 | 2025-01 | 5637.15 | 428.82 | 5208.33 | 192708.33 |
| 12 | 2025-02 | 5625.87 | 417.53 | 5208.33 | 187500.00 |
| 13 | 2025-03 | 5614.58 | 406.25 | 5208.33 | 182291.67 |
| 14 | 2025-04 | 5603.30 | 394.97 | 5208.33 | 177083.33 |
| 15 | 2025-05 | 5592.01 | 383.68 | 5208.33 | 171875.00 |
| 16 | 2025-06 | 5580.73 | 372.40 | 5208.33 | 166666.67 |
| 17 | 2025-07 | 5569.44 | 361.11 | 5208.33 | 161458.33 |
| 18 | 2025-08 | 5558.16 | 349.83 | 5208.33 | 156250.00 |
| 19 | 2025-09 | 5546.88 | 338.54 | 5208.33 | 151041.67 |
| 20 | 2025-10 | 5535.59 | 327.26 | 5208.33 | 145833.33 |
| 21 | 2025-11 | 5524.31 | 315.97 | 5208.33 | 140625.00 |
| 22 | 2025-12 | 5513.02 | 304.69 | 5208.33 | 135416.67 |
| 23 | 2026-01 | 5501.74 | 293.40 | 5208.33 | 130208.33 |
| 24 | 2026-02 | 5490.45 | 282.12 | 5208.33 | 125000.00 |
| 25 | 2026-03 | 5479.17 | 270.83 | 5208.33 | 119791.67 |
| 26 | 2026-04 | 5467.88 | 259.55 | 5208.33 | 114583.33 |
| 27 | 2026-05 | 5456.60 | 248.26 | 5208.33 | 109375.00 |
| 28 | 2026-06 | 5445.31 | 236.98 | 5208.33 | 104166.67 |
| 29 | 2026-07 | 5434.03 | 225.69 | 5208.33 | 98958.33 |
| 30 | 2026-08 | 5422.74 | 214.41 | 5208.33 | 93750.00 |
| 31 | 2026-09 | 5411.46 | 203.13 | 5208.33 | 88541.67 |
| 32 | 2026-10 | 5400.17 | 191.84 | 5208.33 | 83333.33 |
| 33 | 2026-11 | 5388.89 | 180.56 | 5208.33 | 78125.00 |
| 34 | 2026-12 | 5377.60 | 169.27 | 5208.33 | 72916.67 |
| 35 | 2027-01 | 5366.32 | 157.99 | 5208.33 | 67708.33 |
| 36 | 2027-02 | 5355.03 | 146.70 | 5208.33 | 62500.00 |
| 37 | 2027-03 | 5343.75 | 135.42 | 5208.33 | 57291.67 |
| 38 | 2027-04 | 5332.47 | 124.13 | 5208.33 | 52083.33 |
| 39 | 2027-05 | 5321.18 | 112.85 | 5208.33 | 46875.00 |
| 40 | 2027-06 | 5309.90 | 101.56 | 5208.33 | 41666.67 |
| 41 | 2027-07 | 5298.61 | 90.28 | 5208.33 | 36458.33 |
| 42 | 2027-08 | 5287.33 | 78.99 | 5208.33 | 31250.00 |
| 43 | 2027-09 | 5276.04 | 67.71 | 5208.33 | 26041.67 |
| 44 | 2027-10 | 5264.76 | 56.42 | 5208.33 | 20833.33 |
| 45 | 2027-11 | 5253.47 | 45.14 | 5208.33 | 15625.00 |
| 46 | 2027-12 | 5242.19 | 33.85 | 5208.33 | 10416.67 |
| 47 | 2028-01 | 5230.90 | 22.57 | 5208.33 | 5208.33 |
| 48 | 2028-02 | 5219.62 | 11.28 | 5208.33 | 0.00 |