贷款4.02万（公积金贷款）房贷，还款7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：4.02万
还款月数：7年4个月
每月还款：502.24元
利息总额：3997.51元
本息合计：4.42万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 502.24 | 87.10 | 415.14 | 39784.86 |
| 2 | 2025-07 | 502.24 | 86.20 | 416.04 | 39368.81 |
| 3 | 2025-08 | 502.24 | 85.30 | 416.95 | 38951.87 |
| 4 | 2025-09 | 502.24 | 84.40 | 417.85 | 38534.02 |
| 5 | 2025-10 | 502.24 | 83.49 | 418.75 | 38115.26 |
| 6 | 2025-11 | 502.24 | 82.58 | 419.66 | 37695.60 |
| 7 | 2025-12 | 502.24 | 81.67 | 420.57 | 37275.03 |
| 8 | 2026-01 | 502.24 | 80.76 | 421.48 | 36853.55 |
| 9 | 2026-02 | 502.24 | 79.85 | 422.40 | 36431.15 |
| 10 | 2026-03 | 502.24 | 78.93 | 423.31 | 36007.84 |
| 11 | 2026-04 | 502.24 | 78.02 | 424.23 | 35583.62 |
| 12 | 2026-05 | 502.24 | 77.10 | 425.15 | 35158.47 |
| 13 | 2026-06 | 502.24 | 76.18 | 426.07 | 34732.40 |
| 14 | 2026-07 | 502.24 | 75.25 | 426.99 | 34305.41 |
| 15 | 2026-08 | 502.24 | 74.33 | 427.92 | 33877.49 |
| 16 | 2026-09 | 502.24 | 73.40 | 428.84 | 33448.65 |
| 17 | 2026-10 | 502.24 | 72.47 | 429.77 | 33018.88 |
| 18 | 2026-11 | 502.24 | 71.54 | 430.70 | 32588.18 |
| 19 | 2026-12 | 502.24 | 70.61 | 431.64 | 32156.54 |
| 20 | 2027-01 | 502.24 | 69.67 | 432.57 | 31723.97 |
| 21 | 2027-02 | 502.24 | 68.74 | 433.51 | 31290.46 |
| 22 | 2027-03 | 502.24 | 67.80 | 434.45 | 30856.01 |
| 23 | 2027-04 | 502.24 | 66.85 | 435.39 | 30420.62 |
| 24 | 2027-05 | 502.24 | 65.91 | 436.33 | 29984.29 |
| 25 | 2027-06 | 502.24 | 64.97 | 437.28 | 29547.01 |
| 26 | 2027-07 | 502.24 | 64.02 | 438.23 | 29108.78 |
| 27 | 2027-08 | 502.24 | 63.07 | 439.18 | 28669.61 |
| 28 | 2027-09 | 502.24 | 62.12 | 440.13 | 28229.48 |
| 29 | 2027-10 | 502.24 | 61.16 | 441.08 | 27788.40 |
| 30 | 2027-11 | 502.24 | 60.21 | 442.04 | 27346.36 |
| 31 | 2027-12 | 502.24 | 59.25 | 442.99 | 26903.37 |
| 32 | 2028-01 | 502.24 | 58.29 | 443.95 | 26459.41 |
| 33 | 2028-02 | 502.24 | 57.33 | 444.92 | 26014.50 |
| 34 | 2028-03 | 502.24 | 56.36 | 445.88 | 25568.62 |
| 35 | 2028-04 | 502.24 | 55.40 | 446.85 | 25121.77 |
| 36 | 2028-05 | 502.24 | 54.43 | 447.81 | 24673.96 |
| 37 | 2028-06 | 502.24 | 53.46 | 448.78 | 24225.18 |
| 38 | 2028-07 | 502.24 | 52.49 | 449.76 | 23775.42 |
| 39 | 2028-08 | 502.24 | 51.51 | 450.73 | 23324.69 |
| 40 | 2028-09 | 502.24 | 50.54 | 451.71 | 22872.98 |
| 41 | 2028-10 | 502.24 | 49.56 | 452.69 | 22420.29 |
| 42 | 2028-11 | 502.24 | 48.58 | 453.67 | 21966.63 |
| 43 | 2028-12 | 502.24 | 47.59 | 454.65 | 21511.98 |
| 44 | 2029-01 | 502.24 | 46.61 | 455.64 | 21056.34 |
| 45 | 2029-02 | 502.24 | 45.62 | 456.62 | 20599.72 |
| 46 | 2029-03 | 502.24 | 44.63 | 457.61 | 20142.11 |
| 47 | 2029-04 | 502.24 | 43.64 | 458.60 | 19683.50 |
| 48 | 2029-05 | 502.24 | 42.65 | 459.60 | 19223.91 |
| 49 | 2029-06 | 502.24 | 41.65 | 460.59 | 18763.31 |
| 50 | 2029-07 | 502.24 | 40.65 | 461.59 | 18301.72 |
| 51 | 2029-08 | 502.24 | 39.65 | 462.59 | 17839.13 |
| 52 | 2029-09 | 502.24 | 38.65 | 463.59 | 17375.54 |
| 53 | 2029-10 | 502.24 | 37.65 | 464.60 | 16910.94 |
| 54 | 2029-11 | 502.24 | 36.64 | 465.60 | 16445.34 |
| 55 | 2029-12 | 502.24 | 35.63 | 466.61 | 15978.73 |
| 56 | 2030-01 | 502.24 | 34.62 | 467.62 | 15511.10 |
| 57 | 2030-02 | 502.24 | 33.61 | 468.64 | 15042.46 |
| 58 | 2030-03 | 502.24 | 32.59 | 469.65 | 14572.81 |
| 59 | 2030-04 | 502.24 | 31.57 | 470.67 | 14102.14 |
| 60 | 2030-05 | 502.24 | 30.55 | 471.69 | 13630.45 |
| 61 | 2030-06 | 502.24 | 29.53 | 472.71 | 13157.74 |
| 62 | 2030-07 | 502.24 | 28.51 | 473.74 | 12684.00 |
| 63 | 2030-08 | 502.24 | 27.48 | 474.76 | 12209.24 |
| 64 | 2030-09 | 502.24 | 26.45 | 475.79 | 11733.45 |
| 65 | 2030-10 | 502.24 | 25.42 | 476.82 | 11256.63 |
| 66 | 2030-11 | 502.24 | 24.39 | 477.86 | 10778.77 |
| 67 | 2030-12 | 502.24 | 23.35 | 478.89 | 10299.88 |
| 68 | 2031-01 | 502.24 | 22.32 | 479.93 | 9819.95 |
| 69 | 2031-02 | 502.24 | 21.28 | 480.97 | 9338.99 |
| 70 | 2031-03 | 502.24 | 20.23 | 482.01 | 8856.98 |
| 71 | 2031-04 | 502.24 | 19.19 | 483.05 | 8373.92 |
| 72 | 2031-05 | 502.24 | 18.14 | 484.10 | 7889.82 |
| 73 | 2031-06 | 502.24 | 17.09 | 485.15 | 7404.67 |
| 74 | 2031-07 | 502.24 | 16.04 | 486.20 | 6918.47 |
| 75 | 2031-08 | 502.24 | 14.99 | 487.25 | 6431.22 |
| 76 | 2031-09 | 502.24 | 13.93 | 488.31 | 5942.91 |
| 77 | 2031-10 | 502.24 | 12.88 | 489.37 | 5453.54 |
| 78 | 2031-11 | 502.24 | 11.82 | 490.43 | 4963.11 |
| 79 | 2031-12 | 502.24 | 10.75 | 491.49 | 4471.62 |
| 80 | 2032-01 | 502.24 | 9.69 | 492.56 | 3979.06 |
| 81 | 2032-02 | 502.24 | 8.62 | 493.62 | 3485.44 |
| 82 | 2032-03 | 502.24 | 7.55 | 494.69 | 2990.75 |
| 83 | 2032-04 | 502.24 | 6.48 | 495.76 | 2494.98 |
| 84 | 2032-05 | 502.24 | 5.41 | 496.84 | 1998.14 |
| 85 | 2032-06 | 502.24 | 4.33 | 497.92 | 1500.23 |
| 86 | 2032-07 | 502.24 | 3.25 | 498.99 | 1001.23 |
| 87 | 2032-08 | 502.24 | 2.17 | 500.08 | 501.16 |
| 88 | 2032-09 | 502.24 | 1.09 | 501.16 | 0.00 |
等额本金还款方式：
贷款总额：4.02万
还款月数：7年4个月
首月还款：543.92元
每月递减：0.99元
利息总额：3875.95元
本息合计：4.41万
节省利息：121.56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 | 543.92 | 87.10 | 456.82 | 39743.18 |
| 2 | 2025-07 | 542.93 | 86.11 | 456.82 | 39286.36 |
| 3 | 2025-08 | 541.94 | 85.12 | 456.82 | 38829.55 |
| 4 | 2025-09 | 540.95 | 84.13 | 456.82 | 38372.73 |
| 5 | 2025-10 | 539.96 | 83.14 | 456.82 | 37915.91 |
| 6 | 2025-11 | 538.97 | 82.15 | 456.82 | 37459.09 |
| 7 | 2025-12 | 537.98 | 81.16 | 456.82 | 37002.27 |
| 8 | 2026-01 | 536.99 | 80.17 | 456.82 | 36545.45 |
| 9 | 2026-02 | 536.00 | 79.18 | 456.82 | 36088.64 |
| 10 | 2026-03 | 535.01 | 78.19 | 456.82 | 35631.82 |
| 11 | 2026-04 | 534.02 | 77.20 | 456.82 | 35175.00 |
| 12 | 2026-05 | 533.03 | 76.21 | 456.82 | 34718.18 |
| 13 | 2026-06 | 532.04 | 75.22 | 456.82 | 34261.36 |
| 14 | 2026-07 | 531.05 | 74.23 | 456.82 | 33804.55 |
| 15 | 2026-08 | 530.06 | 73.24 | 456.82 | 33347.73 |
| 16 | 2026-09 | 529.07 | 72.25 | 456.82 | 32890.91 |
| 17 | 2026-10 | 528.08 | 71.26 | 456.82 | 32434.09 |
| 18 | 2026-11 | 527.09 | 70.27 | 456.82 | 31977.27 |
| 19 | 2026-12 | 526.10 | 69.28 | 456.82 | 31520.45 |
| 20 | 2027-01 | 525.11 | 68.29 | 456.82 | 31063.64 |
| 21 | 2027-02 | 524.12 | 67.30 | 456.82 | 30606.82 |
| 22 | 2027-03 | 523.13 | 66.31 | 456.82 | 30150.00 |
| 23 | 2027-04 | 522.14 | 65.33 | 456.82 | 29693.18 |
| 24 | 2027-05 | 521.15 | 64.34 | 456.82 | 29236.36 |
| 25 | 2027-06 | 520.16 | 63.35 | 456.82 | 28779.55 |
| 26 | 2027-07 | 519.17 | 62.36 | 456.82 | 28322.73 |
| 27 | 2027-08 | 518.18 | 61.37 | 456.82 | 27865.91 |
| 28 | 2027-09 | 517.19 | 60.38 | 456.82 | 27409.09 |
| 29 | 2027-10 | 516.20 | 59.39 | 456.82 | 26952.27 |
| 30 | 2027-11 | 515.21 | 58.40 | 456.82 | 26495.45 |
| 31 | 2027-12 | 514.23 | 57.41 | 456.82 | 26038.64 |
| 32 | 2028-01 | 513.24 | 56.42 | 456.82 | 25581.82 |
| 33 | 2028-02 | 512.25 | 55.43 | 456.82 | 25125.00 |
| 34 | 2028-03 | 511.26 | 54.44 | 456.82 | 24668.18 |
| 35 | 2028-04 | 510.27 | 53.45 | 456.82 | 24211.36 |
| 36 | 2028-05 | 509.28 | 52.46 | 456.82 | 23754.55 |
| 37 | 2028-06 | 508.29 | 51.47 | 456.82 | 23297.73 |
| 38 | 2028-07 | 507.30 | 50.48 | 456.82 | 22840.91 |
| 39 | 2028-08 | 506.31 | 49.49 | 456.82 | 22384.09 |
| 40 | 2028-09 | 505.32 | 48.50 | 456.82 | 21927.27 |
| 41 | 2028-10 | 504.33 | 47.51 | 456.82 | 21470.45 |
| 42 | 2028-11 | 503.34 | 46.52 | 456.82 | 21013.64 |
| 43 | 2028-12 | 502.35 | 45.53 | 456.82 | 20556.82 |
| 44 | 2029-01 | 501.36 | 44.54 | 456.82 | 20100.00 |
| 45 | 2029-02 | 500.37 | 43.55 | 456.82 | 19643.18 |
| 46 | 2029-03 | 499.38 | 42.56 | 456.82 | 19186.36 |
| 47 | 2029-04 | 498.39 | 41.57 | 456.82 | 18729.55 |
| 48 | 2029-05 | 497.40 | 40.58 | 456.82 | 18272.73 |
| 49 | 2029-06 | 496.41 | 39.59 | 456.82 | 17815.91 |
| 50 | 2029-07 | 495.42 | 38.60 | 456.82 | 17359.09 |
| 51 | 2029-08 | 494.43 | 37.61 | 456.82 | 16902.27 |
| 52 | 2029-09 | 493.44 | 36.62 | 456.82 | 16445.45 |
| 53 | 2029-10 | 492.45 | 35.63 | 456.82 | 15988.64 |
| 54 | 2029-11 | 491.46 | 34.64 | 456.82 | 15531.82 |
| 55 | 2029-12 | 490.47 | 33.65 | 456.82 | 15075.00 |
| 56 | 2030-01 | 489.48 | 32.66 | 456.82 | 14618.18 |
| 57 | 2030-02 | 488.49 | 31.67 | 456.82 | 14161.36 |
| 58 | 2030-03 | 487.50 | 30.68 | 456.82 | 13704.55 |
| 59 | 2030-04 | 486.51 | 29.69 | 456.82 | 13247.73 |
| 60 | 2030-05 | 485.52 | 28.70 | 456.82 | 12790.91 |
| 61 | 2030-06 | 484.53 | 27.71 | 456.82 | 12334.09 |
| 62 | 2030-07 | 483.54 | 26.72 | 456.82 | 11877.27 |
| 63 | 2030-08 | 482.55 | 25.73 | 456.82 | 11420.45 |
| 64 | 2030-09 | 481.56 | 24.74 | 456.82 | 10963.64 |
| 65 | 2030-10 | 480.57 | 23.75 | 456.82 | 10506.82 |
| 66 | 2030-11 | 479.58 | 22.76 | 456.82 | 10050.00 |
| 67 | 2030-12 | 478.59 | 21.78 | 456.82 | 9593.18 |
| 68 | 2031-01 | 477.60 | 20.79 | 456.82 | 9136.36 |
| 69 | 2031-02 | 476.61 | 19.80 | 456.82 | 8679.55 |
| 70 | 2031-03 | 475.62 | 18.81 | 456.82 | 8222.73 |
| 71 | 2031-04 | 474.63 | 17.82 | 456.82 | 7765.91 |
| 72 | 2031-05 | 473.64 | 16.83 | 456.82 | 7309.09 |
| 73 | 2031-06 | 472.65 | 15.84 | 456.82 | 6852.27 |
| 74 | 2031-07 | 471.66 | 14.85 | 456.82 | 6395.45 |
| 75 | 2031-08 | 470.68 | 13.86 | 456.82 | 5938.64 |
| 76 | 2031-09 | 469.69 | 12.87 | 456.82 | 5481.82 |
| 77 | 2031-10 | 468.70 | 11.88 | 456.82 | 5025.00 |
| 78 | 2031-11 | 467.71 | 10.89 | 456.82 | 4568.18 |
| 79 | 2031-12 | 466.72 | 9.90 | 456.82 | 4111.36 |
| 80 | 2032-01 | 465.73 | 8.91 | 456.82 | 3654.55 |
| 81 | 2032-02 | 464.74 | 7.92 | 456.82 | 3197.73 |
| 82 | 2032-03 | 463.75 | 6.93 | 456.82 | 2740.91 |
| 83 | 2032-04 | 462.76 | 5.94 | 456.82 | 2284.09 |
| 84 | 2032-05 | 461.77 | 4.95 | 456.82 | 1827.27 |
| 85 | 2032-06 | 460.78 | 3.96 | 456.82 | 1370.45 |
| 86 | 2032-07 | 459.79 | 2.97 | 456.82 | 913.64 |
| 87 | 2032-08 | 458.80 | 1.98 | 456.82 | 456.82 |
| 88 | 2032-09 | 457.81 | 0.99 | 456.82 | 0.00 |