贷款4452元（公积金贷款）房贷，还款5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：4452元
还款月数：5年4个月
每月还款：74.57元
利息总额：320.62元
本息合计：4772.62元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 74.57 | 9.65 | 64.93 | 4387.07 |
| 2 | 2025-07 | 74.57 | 9.51 | 65.07 | 4322.01 |
| 3 | 2025-08 | 74.57 | 9.36 | 65.21 | 4256.80 |
| 4 | 2025-09 | 74.57 | 9.22 | 65.35 | 4191.45 |
| 5 | 2025-10 | 74.57 | 9.08 | 65.49 | 4125.96 |
| 6 | 2025-11 | 74.57 | 8.94 | 65.63 | 4060.33 |
| 7 | 2025-12 | 74.57 | 8.80 | 65.77 | 3994.55 |
| 8 | 2026-01 | 74.57 | 8.65 | 65.92 | 3928.63 |
| 9 | 2026-02 | 74.57 | 8.51 | 66.06 | 3862.57 |
| 10 | 2026-03 | 74.57 | 8.37 | 66.20 | 3796.37 |
| 11 | 2026-04 | 74.57 | 8.23 | 66.35 | 3730.02 |
| 12 | 2026-05 | 74.57 | 8.08 | 66.49 | 3663.53 |
| 13 | 2026-06 | 74.57 | 7.94 | 66.63 | 3596.90 |
| 14 | 2026-07 | 74.57 | 7.79 | 66.78 | 3530.12 |
| 15 | 2026-08 | 74.57 | 7.65 | 66.92 | 3463.20 |
| 16 | 2026-09 | 74.57 | 7.50 | 67.07 | 3396.13 |
| 17 | 2026-10 | 74.57 | 7.36 | 67.21 | 3328.92 |
| 18 | 2026-11 | 74.57 | 7.21 | 67.36 | 3261.56 |
| 19 | 2026-12 | 74.57 | 7.07 | 67.51 | 3194.05 |
| 20 | 2027-01 | 74.57 | 6.92 | 67.65 | 3126.40 |
| 21 | 2027-02 | 74.57 | 6.77 | 67.80 | 3058.60 |
| 22 | 2027-03 | 74.57 | 6.63 | 67.95 | 2990.66 |
| 23 | 2027-04 | 74.57 | 6.48 | 68.09 | 2922.56 |
| 24 | 2027-05 | 74.57 | 6.33 | 68.24 | 2854.32 |
| 25 | 2027-06 | 74.57 | 6.18 | 68.39 | 2785.94 |
| 26 | 2027-07 | 74.57 | 6.04 | 68.54 | 2717.40 |
| 27 | 2027-08 | 74.57 | 5.89 | 68.68 | 2648.71 |
| 28 | 2027-09 | 74.57 | 5.74 | 68.83 | 2579.88 |
| 29 | 2027-10 | 74.57 | 5.59 | 68.98 | 2510.90 |
| 30 | 2027-11 | 74.57 | 5.44 | 69.13 | 2441.77 |
| 31 | 2027-12 | 74.57 | 5.29 | 69.28 | 2372.49 |
| 32 | 2028-01 | 74.57 | 5.14 | 69.43 | 2303.05 |
| 33 | 2028-02 | 74.57 | 4.99 | 69.58 | 2233.47 |
| 34 | 2028-03 | 74.57 | 4.84 | 69.73 | 2163.74 |
| 35 | 2028-04 | 74.57 | 4.69 | 69.88 | 2093.85 |
| 36 | 2028-05 | 74.57 | 4.54 | 70.04 | 2023.82 |
| 37 | 2028-06 | 74.57 | 4.38 | 70.19 | 1953.63 |
| 38 | 2028-07 | 74.57 | 4.23 | 70.34 | 1883.29 |
| 39 | 2028-08 | 74.57 | 4.08 | 70.49 | 1812.80 |
| 40 | 2028-09 | 74.57 | 3.93 | 70.64 | 1742.16 |
| 41 | 2028-10 | 74.57 | 3.77 | 70.80 | 1671.36 |
| 42 | 2028-11 | 74.57 | 3.62 | 70.95 | 1600.41 |
| 43 | 2028-12 | 74.57 | 3.47 | 71.10 | 1529.30 |
| 44 | 2029-01 | 74.57 | 3.31 | 71.26 | 1458.04 |
| 45 | 2029-02 | 74.57 | 3.16 | 71.41 | 1386.63 |
| 46 | 2029-03 | 74.57 | 3.00 | 71.57 | 1315.06 |
| 47 | 2029-04 | 74.57 | 2.85 | 71.72 | 1243.34 |
| 48 | 2029-05 | 74.57 | 2.69 | 71.88 | 1171.46 |
| 49 | 2029-06 | 74.57 | 2.54 | 72.03 | 1099.43 |
| 50 | 2029-07 | 74.57 | 2.38 | 72.19 | 1027.24 |
| 51 | 2029-08 | 74.57 | 2.23 | 72.35 | 954.89 |
| 52 | 2029-09 | 74.57 | 2.07 | 72.50 | 882.39 |
| 53 | 2029-10 | 74.57 | 1.91 | 72.66 | 809.73 |
| 54 | 2029-11 | 74.57 | 1.75 | 72.82 | 736.91 |
| 55 | 2029-12 | 74.57 | 1.60 | 72.98 | 663.94 |
| 56 | 2030-01 | 74.57 | 1.44 | 73.13 | 590.80 |
| 57 | 2030-02 | 74.57 | 1.28 | 73.29 | 517.51 |
| 58 | 2030-03 | 74.57 | 1.12 | 73.45 | 444.06 |
| 59 | 2030-04 | 74.57 | 0.96 | 73.61 | 370.45 |
| 60 | 2030-05 | 74.57 | 0.80 | 73.77 | 296.68 |
| 61 | 2030-06 | 74.57 | 0.64 | 73.93 | 222.75 |
| 62 | 2030-07 | 74.57 | 0.48 | 74.09 | 148.66 |
| 63 | 2030-08 | 74.57 | 0.32 | 74.25 | 74.41 |
| 64 | 2030-09 | 74.57 | 0.16 | 74.41 | 0.00 |
等额本金还款方式：
贷款总额：4452元
还款月数：5年4个月
首月还款：79.21元
每月递减：0.15元
利息总额：313.5元
本息合计：4765.49元
节省利息：7.12元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 79.21 | 9.65 | 69.56 | 4382.44 |
| 2 | 2025-07 | 79.06 | 9.50 | 69.56 | 4312.88 |
| 3 | 2025-08 | 78.91 | 9.34 | 69.56 | 4243.31 |
| 4 | 2025-09 | 78.76 | 9.19 | 69.56 | 4173.75 |
| 5 | 2025-10 | 78.61 | 9.04 | 69.56 | 4104.19 |
| 6 | 2025-11 | 78.45 | 8.89 | 69.56 | 4034.63 |
| 7 | 2025-12 | 78.30 | 8.74 | 69.56 | 3965.06 |
| 8 | 2026-01 | 78.15 | 8.59 | 69.56 | 3895.50 |
| 9 | 2026-02 | 78.00 | 8.44 | 69.56 | 3825.94 |
| 10 | 2026-03 | 77.85 | 8.29 | 69.56 | 3756.38 |
| 11 | 2026-04 | 77.70 | 8.14 | 69.56 | 3686.81 |
| 12 | 2026-05 | 77.55 | 7.99 | 69.56 | 3617.25 |
| 13 | 2026-06 | 77.40 | 7.84 | 69.56 | 3547.69 |
| 14 | 2026-07 | 77.25 | 7.69 | 69.56 | 3478.13 |
| 15 | 2026-08 | 77.10 | 7.54 | 69.56 | 3408.56 |
| 16 | 2026-09 | 76.95 | 7.39 | 69.56 | 3339.00 |
| 17 | 2026-10 | 76.80 | 7.23 | 69.56 | 3269.44 |
| 18 | 2026-11 | 76.65 | 7.08 | 69.56 | 3199.88 |
| 19 | 2026-12 | 76.50 | 6.93 | 69.56 | 3130.31 |
| 20 | 2027-01 | 76.34 | 6.78 | 69.56 | 3060.75 |
| 21 | 2027-02 | 76.19 | 6.63 | 69.56 | 2991.19 |
| 22 | 2027-03 | 76.04 | 6.48 | 69.56 | 2921.63 |
| 23 | 2027-04 | 75.89 | 6.33 | 69.56 | 2852.06 |
| 24 | 2027-05 | 75.74 | 6.18 | 69.56 | 2782.50 |
| 25 | 2027-06 | 75.59 | 6.03 | 69.56 | 2712.94 |
| 26 | 2027-07 | 75.44 | 5.88 | 69.56 | 2643.38 |
| 27 | 2027-08 | 75.29 | 5.73 | 69.56 | 2573.81 |
| 28 | 2027-09 | 75.14 | 5.58 | 69.56 | 2504.25 |
| 29 | 2027-10 | 74.99 | 5.43 | 69.56 | 2434.69 |
| 30 | 2027-11 | 74.84 | 5.28 | 69.56 | 2365.13 |
| 31 | 2027-12 | 74.69 | 5.12 | 69.56 | 2295.56 |
| 32 | 2028-01 | 74.54 | 4.97 | 69.56 | 2226.00 |
| 33 | 2028-02 | 74.39 | 4.82 | 69.56 | 2156.44 |
| 34 | 2028-03 | 74.23 | 4.67 | 69.56 | 2086.88 |
| 35 | 2028-04 | 74.08 | 4.52 | 69.56 | 2017.31 |
| 36 | 2028-05 | 73.93 | 4.37 | 69.56 | 1947.75 |
| 37 | 2028-06 | 73.78 | 4.22 | 69.56 | 1878.19 |
| 38 | 2028-07 | 73.63 | 4.07 | 69.56 | 1808.63 |
| 39 | 2028-08 | 73.48 | 3.92 | 69.56 | 1739.06 |
| 40 | 2028-09 | 73.33 | 3.77 | 69.56 | 1669.50 |
| 41 | 2028-10 | 73.18 | 3.62 | 69.56 | 1599.94 |
| 42 | 2028-11 | 73.03 | 3.47 | 69.56 | 1530.38 |
| 43 | 2028-12 | 72.88 | 3.32 | 69.56 | 1460.81 |
| 44 | 2029-01 | 72.73 | 3.17 | 69.56 | 1391.25 |
| 45 | 2029-02 | 72.58 | 3.01 | 69.56 | 1321.69 |
| 46 | 2029-03 | 72.43 | 2.86 | 69.56 | 1252.13 |
| 47 | 2029-04 | 72.28 | 2.71 | 69.56 | 1182.56 |
| 48 | 2029-05 | 72.12 | 2.56 | 69.56 | 1113.00 |
| 49 | 2029-06 | 71.97 | 2.41 | 69.56 | 1043.44 |
| 50 | 2029-07 | 71.82 | 2.26 | 69.56 | 973.88 |
| 51 | 2029-08 | 71.67 | 2.11 | 69.56 | 904.31 |
| 52 | 2029-09 | 71.52 | 1.96 | 69.56 | 834.75 |
| 53 | 2029-10 | 71.37 | 1.81 | 69.56 | 765.19 |
| 54 | 2029-11 | 71.22 | 1.66 | 69.56 | 695.63 |
| 55 | 2029-12 | 71.07 | 1.51 | 69.56 | 626.06 |
| 56 | 2030-01 | 70.92 | 1.36 | 69.56 | 556.50 |
| 57 | 2030-02 | 70.77 | 1.21 | 69.56 | 486.94 |
| 58 | 2030-03 | 70.62 | 1.06 | 69.56 | 417.38 |
| 59 | 2030-04 | 70.47 | 0.90 | 69.56 | 347.81 |
| 60 | 2030-05 | 70.32 | 0.75 | 69.56 | 278.25 |
| 61 | 2030-06 | 70.17 | 0.60 | 69.56 | 208.69 |
| 62 | 2030-07 | 70.01 | 0.45 | 69.56 | 139.13 |
| 63 | 2030-08 | 69.86 | 0.30 | 69.56 | 69.56 |
| 64 | 2030-09 | 69.71 | 0.15 | 69.56 | 0.00 |