贷款270万（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：270万
还款月数：4年
每月还款：60151.3元
利息总额：18.73万
本息合计：288.73万
| 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 | 60151.30 | 7481.25 | 52670.05 | 2647329.95 |
| 2 | 2025-06 | 60151.30 | 7335.31 | 52815.99 | 2594513.97 |
| 3 | 2025-07 | 60151.30 | 7188.97 | 52962.33 | 2541551.64 |
| 4 | 2025-08 | 60151.30 | 7042.22 | 53109.08 | 2488442.55 |
| 5 | 2025-09 | 60151.30 | 6895.06 | 53256.24 | 2435186.32 |
| 6 | 2025-10 | 60151.30 | 6747.50 | 53403.80 | 2381782.52 |
| 7 | 2025-11 | 60151.30 | 6599.52 | 53551.77 | 2328230.74 |
| 8 | 2025-12 | 60151.30 | 6451.14 | 53700.16 | 2274530.58 |
| 9 | 2026-01 | 60151.30 | 6302.35 | 53848.95 | 2220681.63 |
| 10 | 2026-02 | 60151.30 | 6153.14 | 53998.16 | 2166683.47 |
| 11 | 2026-03 | 60151.30 | 6003.52 | 54147.78 | 2112535.69 |
| 12 | 2026-04 | 60151.30 | 5853.48 | 54297.81 | 2058237.88 |
| 13 | 2026-05 | 60151.30 | 5703.03 | 54448.26 | 2003789.62 |
| 14 | 2026-06 | 60151.30 | 5552.17 | 54599.13 | 1949190.49 |
| 15 | 2026-07 | 60151.30 | 5400.88 | 54750.41 | 1894440.07 |
| 16 | 2026-08 | 60151.30 | 5249.18 | 54902.12 | 1839537.96 |
| 17 | 2026-09 | 60151.30 | 5097.05 | 55054.24 | 1784483.71 |
| 18 | 2026-10 | 60151.30 | 4944.51 | 55206.79 | 1729276.92 |
| 19 | 2026-11 | 60151.30 | 4791.54 | 55359.76 | 1673917.16 |
| 20 | 2026-12 | 60151.30 | 4638.15 | 55513.15 | 1618404.01 |
| 21 | 2027-01 | 60151.30 | 4484.33 | 55666.97 | 1562737.04 |
| 22 | 2027-02 | 60151.30 | 4330.08 | 55821.21 | 1506915.83 |
| 23 | 2027-03 | 60151.30 | 4175.41 | 55975.88 | 1450939.94 |
| 24 | 2027-04 | 60151.30 | 4020.31 | 56130.98 | 1394808.96 |
| 25 | 2027-05 | 60151.30 | 3864.78 | 56286.51 | 1338522.45 |
| 26 | 2027-06 | 60151.30 | 3708.82 | 56442.47 | 1282079.97 |
| 27 | 2027-07 | 60151.30 | 3552.43 | 56598.87 | 1225481.11 |
| 28 | 2027-08 | 60151.30 | 3395.60 | 56755.69 | 1168725.41 |
| 29 | 2027-09 | 60151.30 | 3238.34 | 56912.95 | 1111812.46 |
| 30 | 2027-10 | 60151.30 | 3080.65 | 57070.65 | 1054741.81 |
| 31 | 2027-11 | 60151.30 | 2922.51 | 57228.78 | 997513.03 |
| 32 | 2027-12 | 60151.30 | 2763.94 | 57387.35 | 940125.67 |
| 33 | 2028-01 | 60151.30 | 2604.93 | 57546.37 | 882579.31 |
| 34 | 2028-02 | 60151.30 | 2445.48 | 57705.82 | 824873.49 |
| 35 | 2028-03 | 60151.30 | 2285.59 | 57865.71 | 767007.78 |
| 36 | 2028-04 | 60151.30 | 2125.25 | 58026.05 | 708981.73 |
| 37 | 2028-05 | 60151.30 | 1964.47 | 58186.83 | 650794.91 |
| 38 | 2028-06 | 60151.30 | 1803.24 | 58348.05 | 592446.85 |
| 39 | 2028-07 | 60151.30 | 1641.57 | 58509.73 | 533937.13 |
| 40 | 2028-08 | 60151.30 | 1479.45 | 58671.85 | 475265.28 |
| 41 | 2028-09 | 60151.30 | 1316.88 | 58834.42 | 416430.87 |
| 42 | 2028-10 | 60151.30 | 1153.86 | 58997.44 | 357433.43 |
| 43 | 2028-11 | 60151.30 | 990.39 | 59160.91 | 298272.52 |
| 44 | 2028-12 | 60151.30 | 826.46 | 59324.83 | 238947.69 |
| 45 | 2029-01 | 60151.30 | 662.08 | 59489.21 | 179458.47 |
| 46 | 2029-02 | 60151.30 | 497.25 | 59654.05 | 119804.43 |
| 47 | 2029-03 | 60151.30 | 331.96 | 59819.34 | 59985.09 |
| 48 | 2029-04 | 60151.30 | 166.21 | 59985.09 | 0.00 |
等额本金还款方式：
贷款总额：270万
还款月数：4年
首月还款：63731.25元
每月递减：155.86元
利息总额：18.33万
本息合计：288.33万
节省利息：3971.63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 | 63731.25 | 7481.25 | 56250.00 | 2643750.00 |
| 2 | 2025-06 | 63575.39 | 7325.39 | 56250.00 | 2587500.00 |
| 3 | 2025-07 | 63419.53 | 7169.53 | 56250.00 | 2531250.00 |
| 4 | 2025-08 | 63263.67 | 7013.67 | 56250.00 | 2475000.00 |
| 5 | 2025-09 | 63107.81 | 6857.81 | 56250.00 | 2418750.00 |
| 6 | 2025-10 | 62951.95 | 6701.95 | 56250.00 | 2362500.00 |
| 7 | 2025-11 | 62796.09 | 6546.09 | 56250.00 | 2306250.00 |
| 8 | 2025-12 | 62640.23 | 6390.23 | 56250.00 | 2250000.00 |
| 9 | 2026-01 | 62484.38 | 6234.38 | 56250.00 | 2193750.00 |
| 10 | 2026-02 | 62328.52 | 6078.52 | 56250.00 | 2137500.00 |
| 11 | 2026-03 | 62172.66 | 5922.66 | 56250.00 | 2081250.00 |
| 12 | 2026-04 | 62016.80 | 5766.80 | 56250.00 | 2025000.00 |
| 13 | 2026-05 | 61860.94 | 5610.94 | 56250.00 | 1968750.00 |
| 14 | 2026-06 | 61705.08 | 5455.08 | 56250.00 | 1912500.00 |
| 15 | 2026-07 | 61549.22 | 5299.22 | 56250.00 | 1856250.00 |
| 16 | 2026-08 | 61393.36 | 5143.36 | 56250.00 | 1800000.00 |
| 17 | 2026-09 | 61237.50 | 4987.50 | 56250.00 | 1743750.00 |
| 18 | 2026-10 | 61081.64 | 4831.64 | 56250.00 | 1687500.00 |
| 19 | 2026-11 | 60925.78 | 4675.78 | 56250.00 | 1631250.00 |
| 20 | 2026-12 | 60769.92 | 4519.92 | 56250.00 | 1575000.00 |
| 21 | 2027-01 | 60614.06 | 4364.06 | 56250.00 | 1518750.00 |
| 22 | 2027-02 | 60458.20 | 4208.20 | 56250.00 | 1462500.00 |
| 23 | 2027-03 | 60302.34 | 4052.34 | 56250.00 | 1406250.00 |
| 24 | 2027-04 | 60146.48 | 3896.48 | 56250.00 | 1350000.00 |
| 25 | 2027-05 | 59990.63 | 3740.63 | 56250.00 | 1293750.00 |
| 26 | 2027-06 | 59834.77 | 3584.77 | 56250.00 | 1237500.00 |
| 27 | 2027-07 | 59678.91 | 3428.91 | 56250.00 | 1181250.00 |
| 28 | 2027-08 | 59523.05 | 3273.05 | 56250.00 | 1125000.00 |
| 29 | 2027-09 | 59367.19 | 3117.19 | 56250.00 | 1068750.00 |
| 30 | 2027-10 | 59211.33 | 2961.33 | 56250.00 | 1012500.00 |
| 31 | 2027-11 | 59055.47 | 2805.47 | 56250.00 | 956250.00 |
| 32 | 2027-12 | 58899.61 | 2649.61 | 56250.00 | 900000.00 |
| 33 | 2028-01 | 58743.75 | 2493.75 | 56250.00 | 843750.00 |
| 34 | 2028-02 | 58587.89 | 2337.89 | 56250.00 | 787500.00 |
| 35 | 2028-03 | 58432.03 | 2182.03 | 56250.00 | 731250.00 |
| 36 | 2028-04 | 58276.17 | 2026.17 | 56250.00 | 675000.00 |
| 37 | 2028-05 | 58120.31 | 1870.31 | 56250.00 | 618750.00 |
| 38 | 2028-06 | 57964.45 | 1714.45 | 56250.00 | 562500.00 |
| 39 | 2028-07 | 57808.59 | 1558.59 | 56250.00 | 506250.00 |
| 40 | 2028-08 | 57652.73 | 1402.73 | 56250.00 | 450000.00 |
| 41 | 2028-09 | 57496.88 | 1246.88 | 56250.00 | 393750.00 |
| 42 | 2028-10 | 57341.02 | 1091.02 | 56250.00 | 337500.00 |
| 43 | 2028-11 | 57185.16 | 935.16 | 56250.00 | 281250.00 |
| 44 | 2028-12 | 57029.30 | 779.30 | 56250.00 | 225000.00 |
| 45 | 2029-01 | 56873.44 | 623.44 | 56250.00 | 168750.00 |
| 46 | 2029-02 | 56717.58 | 467.58 | 56250.00 | 112500.00 |
| 47 | 2029-03 | 56561.72 | 311.72 | 56250.00 | 56250.00 |
| 48 | 2029-04 | 56405.86 | 155.86 | 56250.00 | 0.00 |