贷款11万（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：11万
还款月数：4年
每月还款：2391.27元
利息总额：4780.84元
本息合计：11.48万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 2391.27 | 192.50 | 2198.77 | 107801.23 |
| 2 | 2025-06 | 2391.27 | 188.65 | 2202.62 | 105598.62 |
| 3 | 2025-07 | 2391.27 | 184.80 | 2206.47 | 103392.15 |
| 4 | 2025-08 | 2391.27 | 180.94 | 2210.33 | 101181.82 |
| 5 | 2025-09 | 2391.27 | 177.07 | 2214.20 | 98967.62 |
| 6 | 2025-10 | 2391.27 | 173.19 | 2218.07 | 96749.54 |
| 7 | 2025-11 | 2391.27 | 169.31 | 2221.96 | 94527.59 |
| 8 | 2025-12 | 2391.27 | 165.42 | 2225.84 | 92301.74 |
| 9 | 2026-01 | 2391.27 | 161.53 | 2229.74 | 90072.00 |
| 10 | 2026-02 | 2391.27 | 157.63 | 2233.64 | 87838.36 |
| 11 | 2026-03 | 2391.27 | 153.72 | 2237.55 | 85600.81 |
| 12 | 2026-04 | 2391.27 | 149.80 | 2241.47 | 83359.35 |
| 13 | 2026-05 | 2391.27 | 145.88 | 2245.39 | 81113.96 |
| 14 | 2026-06 | 2391.27 | 141.95 | 2249.32 | 78864.64 |
| 15 | 2026-07 | 2391.27 | 138.01 | 2253.25 | 76611.38 |
| 16 | 2026-08 | 2391.27 | 134.07 | 2257.20 | 74354.19 |
| 17 | 2026-09 | 2391.27 | 130.12 | 2261.15 | 72093.04 |
| 18 | 2026-10 | 2391.27 | 126.16 | 2265.10 | 69827.93 |
| 19 | 2026-11 | 2391.27 | 122.20 | 2269.07 | 67558.87 |
| 20 | 2026-12 | 2391.27 | 118.23 | 2273.04 | 65285.83 |
| 21 | 2027-01 | 2391.27 | 114.25 | 2277.02 | 63008.81 |
| 22 | 2027-02 | 2391.27 | 110.27 | 2281.00 | 60727.81 |
| 23 | 2027-03 | 2391.27 | 106.27 | 2284.99 | 58442.81 |
| 24 | 2027-04 | 2391.27 | 102.27 | 2288.99 | 56153.82 |
| 25 | 2027-05 | 2391.27 | 98.27 | 2293.00 | 53860.82 |
| 26 | 2027-06 | 2391.27 | 94.26 | 2297.01 | 51563.81 |
| 27 | 2027-07 | 2391.27 | 90.24 | 2301.03 | 49262.78 |
| 28 | 2027-08 | 2391.27 | 86.21 | 2305.06 | 46957.72 |
| 29 | 2027-09 | 2391.27 | 82.18 | 2309.09 | 44648.63 |
| 30 | 2027-10 | 2391.27 | 78.14 | 2313.13 | 42335.50 |
| 31 | 2027-11 | 2391.27 | 74.09 | 2317.18 | 40018.32 |
| 32 | 2027-12 | 2391.27 | 70.03 | 2321.24 | 37697.08 |
| 33 | 2028-01 | 2391.27 | 65.97 | 2325.30 | 35371.79 |
| 34 | 2028-02 | 2391.27 | 61.90 | 2329.37 | 33042.42 |
| 35 | 2028-03 | 2391.27 | 57.82 | 2333.44 | 30708.98 |
| 36 | 2028-04 | 2391.27 | 53.74 | 2337.53 | 28371.45 |
| 37 | 2028-05 | 2391.27 | 49.65 | 2341.62 | 26029.83 |
| 38 | 2028-06 | 2391.27 | 45.55 | 2345.72 | 23684.12 |
| 39 | 2028-07 | 2391.27 | 41.45 | 2349.82 | 21334.30 |
| 40 | 2028-08 | 2391.27 | 37.34 | 2353.93 | 18980.36 |
| 41 | 2028-09 | 2391.27 | 33.22 | 2358.05 | 16622.31 |
| 42 | 2028-10 | 2391.27 | 29.09 | 2362.18 | 14260.13 |
| 43 | 2028-11 | 2391.27 | 24.96 | 2366.31 | 11893.82 |
| 44 | 2028-12 | 2391.27 | 20.81 | 2370.45 | 9523.37 |
| 45 | 2029-01 | 2391.27 | 16.67 | 2374.60 | 7148.77 |
| 46 | 2029-02 | 2391.27 | 12.51 | 2378.76 | 4770.01 |
| 47 | 2029-03 | 2391.27 | 8.35 | 2382.92 | 2387.09 |
| 48 | 2029-04 | 2391.27 | 4.18 | 2387.09 | 0.00 |
等额本金还款方式：
贷款总额：11万
还款月数：4年
首月还款：2484.17元
每月递减：4.01元
利息总额：4716.25元
本息合计：11.47万
节省利息：64.59元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 2484.17 | 192.50 | 2291.67 | 107708.33 |
| 2 | 2025-06 | 2480.16 | 188.49 | 2291.67 | 105416.67 |
| 3 | 2025-07 | 2476.15 | 184.48 | 2291.67 | 103125.00 |
| 4 | 2025-08 | 2472.14 | 180.47 | 2291.67 | 100833.33 |
| 5 | 2025-09 | 2468.13 | 176.46 | 2291.67 | 98541.67 |
| 6 | 2025-10 | 2464.11 | 172.45 | 2291.67 | 96250.00 |
| 7 | 2025-11 | 2460.10 | 168.44 | 2291.67 | 93958.33 |
| 8 | 2025-12 | 2456.09 | 164.43 | 2291.67 | 91666.67 |
| 9 | 2026-01 | 2452.08 | 160.42 | 2291.67 | 89375.00 |
| 10 | 2026-02 | 2448.07 | 156.41 | 2291.67 | 87083.33 |
| 11 | 2026-03 | 2444.06 | 152.40 | 2291.67 | 84791.67 |
| 12 | 2026-04 | 2440.05 | 148.39 | 2291.67 | 82500.00 |
| 13 | 2026-05 | 2436.04 | 144.38 | 2291.67 | 80208.33 |
| 14 | 2026-06 | 2432.03 | 140.36 | 2291.67 | 77916.67 |
| 15 | 2026-07 | 2428.02 | 136.35 | 2291.67 | 75625.00 |
| 16 | 2026-08 | 2424.01 | 132.34 | 2291.67 | 73333.33 |
| 17 | 2026-09 | 2420.00 | 128.33 | 2291.67 | 71041.67 |
| 18 | 2026-10 | 2415.99 | 124.32 | 2291.67 | 68750.00 |
| 19 | 2026-11 | 2411.98 | 120.31 | 2291.67 | 66458.33 |
| 20 | 2026-12 | 2407.97 | 116.30 | 2291.67 | 64166.67 |
| 21 | 2027-01 | 2403.96 | 112.29 | 2291.67 | 61875.00 |
| 22 | 2027-02 | 2399.95 | 108.28 | 2291.67 | 59583.33 |
| 23 | 2027-03 | 2395.94 | 104.27 | 2291.67 | 57291.67 |
| 24 | 2027-04 | 2391.93 | 100.26 | 2291.67 | 55000.00 |
| 25 | 2027-05 | 2387.92 | 96.25 | 2291.67 | 52708.33 |
| 26 | 2027-06 | 2383.91 | 92.24 | 2291.67 | 50416.67 |
| 27 | 2027-07 | 2379.90 | 88.23 | 2291.67 | 48125.00 |
| 28 | 2027-08 | 2375.89 | 84.22 | 2291.67 | 45833.33 |
| 29 | 2027-09 | 2371.88 | 80.21 | 2291.67 | 43541.67 |
| 30 | 2027-10 | 2367.86 | 76.20 | 2291.67 | 41250.00 |
| 31 | 2027-11 | 2363.85 | 72.19 | 2291.67 | 38958.33 |
| 32 | 2027-12 | 2359.84 | 68.18 | 2291.67 | 36666.67 |
| 33 | 2028-01 | 2355.83 | 64.17 | 2291.67 | 34375.00 |
| 34 | 2028-02 | 2351.82 | 60.16 | 2291.67 | 32083.33 |
| 35 | 2028-03 | 2347.81 | 56.15 | 2291.67 | 29791.67 |
| 36 | 2028-04 | 2343.80 | 52.14 | 2291.67 | 27500.00 |
| 37 | 2028-05 | 2339.79 | 48.13 | 2291.67 | 25208.33 |
| 38 | 2028-06 | 2335.78 | 44.11 | 2291.67 | 22916.67 |
| 39 | 2028-07 | 2331.77 | 40.10 | 2291.67 | 20625.00 |
| 40 | 2028-08 | 2327.76 | 36.09 | 2291.67 | 18333.33 |
| 41 | 2028-09 | 2323.75 | 32.08 | 2291.67 | 16041.67 |
| 42 | 2028-10 | 2319.74 | 28.07 | 2291.67 | 13750.00 |
| 43 | 2028-11 | 2315.73 | 24.06 | 2291.67 | 11458.33 |
| 44 | 2028-12 | 2311.72 | 20.05 | 2291.67 | 9166.67 |
| 45 | 2029-01 | 2307.71 | 16.04 | 2291.67 | 6875.00 |
| 46 | 2029-02 | 2303.70 | 12.03 | 2291.67 | 4583.33 |
| 47 | 2029-03 | 2299.69 | 8.02 | 2291.67 | 2291.67 |
| 48 | 2029-04 | 2295.68 | 4.01 | 2291.67 | 0.00 |