深圳贷款126万（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：126万
还款月数：4年
每月还款：28028.69元
利息总额：8.54万
本息合计：134.54万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 28028.69 | 3412.50 | 24616.19 | 1235383.81 |
| 2 | 2025-08 | 28028.69 | 3345.83 | 24682.86 | 1210700.95 |
| 3 | 2025-09 | 28028.69 | 3278.98 | 24749.71 | 1185951.25 |
| 4 | 2025-10 | 28028.69 | 3211.95 | 24816.74 | 1161134.51 |
| 5 | 2025-11 | 28028.69 | 3144.74 | 24883.95 | 1136250.56 |
| 6 | 2025-12 | 28028.69 | 3077.35 | 24951.34 | 1111299.21 |
| 7 | 2026-01 | 28028.69 | 3009.77 | 25018.92 | 1086280.29 |
| 8 | 2026-02 | 28028.69 | 2942.01 | 25086.68 | 1061193.61 |
| 9 | 2026-03 | 28028.69 | 2874.07 | 25154.62 | 1036038.99 |
| 10 | 2026-04 | 28028.69 | 2805.94 | 25222.75 | 1010816.24 |
| 11 | 2026-05 | 28028.69 | 2737.63 | 25291.06 | 985525.18 |
| 12 | 2026-06 | 28028.69 | 2669.13 | 25359.56 | 960165.62 |
| 13 | 2026-07 | 28028.69 | 2600.45 | 25428.24 | 934737.38 |
| 14 | 2026-08 | 28028.69 | 2531.58 | 25497.11 | 909240.27 |
| 15 | 2026-09 | 28028.69 | 2462.53 | 25566.16 | 883674.11 |
| 16 | 2026-10 | 28028.69 | 2393.28 | 25635.41 | 858038.70 |
| 17 | 2026-11 | 28028.69 | 2323.85 | 25704.83 | 832333.87 |
| 18 | 2026-12 | 28028.69 | 2254.24 | 25774.45 | 806559.41 |
| 19 | 2027-01 | 28028.69 | 2184.43 | 25844.26 | 780715.16 |
| 20 | 2027-02 | 28028.69 | 2114.44 | 25914.25 | 754800.90 |
| 21 | 2027-03 | 28028.69 | 2044.25 | 25984.44 | 728816.47 |
| 22 | 2027-04 | 28028.69 | 1973.88 | 26054.81 | 702761.66 |
| 23 | 2027-05 | 28028.69 | 1903.31 | 26125.38 | 676636.28 |
| 24 | 2027-06 | 28028.69 | 1832.56 | 26196.13 | 650440.15 |
| 25 | 2027-07 | 28028.69 | 1761.61 | 26267.08 | 624173.07 |
| 26 | 2027-08 | 28028.69 | 1690.47 | 26338.22 | 597834.85 |
| 27 | 2027-09 | 28028.69 | 1619.14 | 26409.55 | 571425.29 |
| 28 | 2027-10 | 28028.69 | 1547.61 | 26481.08 | 544944.21 |
| 29 | 2027-11 | 28028.69 | 1475.89 | 26552.80 | 518391.41 |
| 30 | 2027-12 | 28028.69 | 1403.98 | 26624.71 | 491766.70 |
| 31 | 2028-01 | 28028.69 | 1331.87 | 26696.82 | 465069.88 |
| 32 | 2028-02 | 28028.69 | 1259.56 | 26769.13 | 438300.76 |
| 33 | 2028-03 | 28028.69 | 1187.06 | 26841.62 | 411459.13 |
| 34 | 2028-04 | 28028.69 | 1114.37 | 26914.32 | 384544.81 |
| 35 | 2028-05 | 28028.69 | 1041.48 | 26987.21 | 357557.60 |
| 36 | 2028-06 | 28028.69 | 968.39 | 27060.30 | 330497.29 |
| 37 | 2028-07 | 28028.69 | 895.10 | 27133.59 | 303363.70 |
| 38 | 2028-08 | 28028.69 | 821.61 | 27207.08 | 276156.62 |
| 39 | 2028-09 | 28028.69 | 747.92 | 27280.77 | 248875.86 |
| 40 | 2028-10 | 28028.69 | 674.04 | 27354.65 | 221521.21 |
| 41 | 2028-11 | 28028.69 | 599.95 | 27428.74 | 194092.47 |
| 42 | 2028-12 | 28028.69 | 525.67 | 27503.02 | 166589.45 |
| 43 | 2029-01 | 28028.69 | 451.18 | 27577.51 | 139011.94 |
| 44 | 2029-02 | 28028.69 | 376.49 | 27652.20 | 111359.74 |
| 45 | 2029-03 | 28028.69 | 301.60 | 27727.09 | 83632.65 |
| 46 | 2029-04 | 28028.69 | 226.51 | 27802.18 | 55830.47 |
| 47 | 2029-05 | 28028.69 | 151.21 | 27877.48 | 27952.98 |
| 48 | 2029-06 | 28028.69 | 75.71 | 27952.98 | 0.00 |
等额本金还款方式：
贷款总额：126万
还款月数：4年
首月还款：29662.5元
每月递减：71.09元
利息总额：8.36万
本息合计：134.36万
节省利息：1770.83元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 29662.50 | 3412.50 | 26250.00 | 1233750.00 |
| 2 | 2025-08 | 29591.41 | 3341.41 | 26250.00 | 1207500.00 |
| 3 | 2025-09 | 29520.31 | 3270.31 | 26250.00 | 1181250.00 |
| 4 | 2025-10 | 29449.22 | 3199.22 | 26250.00 | 1155000.00 |
| 5 | 2025-11 | 29378.13 | 3128.13 | 26250.00 | 1128750.00 |
| 6 | 2025-12 | 29307.03 | 3057.03 | 26250.00 | 1102500.00 |
| 7 | 2026-01 | 29235.94 | 2985.94 | 26250.00 | 1076250.00 |
| 8 | 2026-02 | 29164.84 | 2914.84 | 26250.00 | 1050000.00 |
| 9 | 2026-03 | 29093.75 | 2843.75 | 26250.00 | 1023750.00 |
| 10 | 2026-04 | 29022.66 | 2772.66 | 26250.00 | 997500.00 |
| 11 | 2026-05 | 28951.56 | 2701.56 | 26250.00 | 971250.00 |
| 12 | 2026-06 | 28880.47 | 2630.47 | 26250.00 | 945000.00 |
| 13 | 2026-07 | 28809.38 | 2559.38 | 26250.00 | 918750.00 |
| 14 | 2026-08 | 28738.28 | 2488.28 | 26250.00 | 892500.00 |
| 15 | 2026-09 | 28667.19 | 2417.19 | 26250.00 | 866250.00 |
| 16 | 2026-10 | 28596.09 | 2346.09 | 26250.00 | 840000.00 |
| 17 | 2026-11 | 28525.00 | 2275.00 | 26250.00 | 813750.00 |
| 18 | 2026-12 | 28453.91 | 2203.91 | 26250.00 | 787500.00 |
| 19 | 2027-01 | 28382.81 | 2132.81 | 26250.00 | 761250.00 |
| 20 | 2027-02 | 28311.72 | 2061.72 | 26250.00 | 735000.00 |
| 21 | 2027-03 | 28240.63 | 1990.63 | 26250.00 | 708750.00 |
| 22 | 2027-04 | 28169.53 | 1919.53 | 26250.00 | 682500.00 |
| 23 | 2027-05 | 28098.44 | 1848.44 | 26250.00 | 656250.00 |
| 24 | 2027-06 | 28027.34 | 1777.34 | 26250.00 | 630000.00 |
| 25 | 2027-07 | 27956.25 | 1706.25 | 26250.00 | 603750.00 |
| 26 | 2027-08 | 27885.16 | 1635.16 | 26250.00 | 577500.00 |
| 27 | 2027-09 | 27814.06 | 1564.06 | 26250.00 | 551250.00 |
| 28 | 2027-10 | 27742.97 | 1492.97 | 26250.00 | 525000.00 |
| 29 | 2027-11 | 27671.88 | 1421.88 | 26250.00 | 498750.00 |
| 30 | 2027-12 | 27600.78 | 1350.78 | 26250.00 | 472500.00 |
| 31 | 2028-01 | 27529.69 | 1279.69 | 26250.00 | 446250.00 |
| 32 | 2028-02 | 27458.59 | 1208.59 | 26250.00 | 420000.00 |
| 33 | 2028-03 | 27387.50 | 1137.50 | 26250.00 | 393750.00 |
| 34 | 2028-04 | 27316.41 | 1066.41 | 26250.00 | 367500.00 |
| 35 | 2028-05 | 27245.31 | 995.31 | 26250.00 | 341250.00 |
| 36 | 2028-06 | 27174.22 | 924.22 | 26250.00 | 315000.00 |
| 37 | 2028-07 | 27103.13 | 853.13 | 26250.00 | 288750.00 |
| 38 | 2028-08 | 27032.03 | 782.03 | 26250.00 | 262500.00 |
| 39 | 2028-09 | 26960.94 | 710.94 | 26250.00 | 236250.00 |
| 40 | 2028-10 | 26889.84 | 639.84 | 26250.00 | 210000.00 |
| 41 | 2028-11 | 26818.75 | 568.75 | 26250.00 | 183750.00 |
| 42 | 2028-12 | 26747.66 | 497.66 | 26250.00 | 157500.00 |
| 43 | 2029-01 | 26676.56 | 426.56 | 26250.00 | 131250.00 |
| 44 | 2029-02 | 26605.47 | 355.47 | 26250.00 | 105000.00 |
| 45 | 2029-03 | 26534.38 | 284.38 | 26250.00 | 78750.00 |
| 46 | 2029-04 | 26463.28 | 213.28 | 26250.00 | 52500.00 |
| 47 | 2029-05 | 26392.19 | 142.19 | 26250.00 | 26250.00 |
| 48 | 2029-06 | 26321.09 | 71.09 | 26250.00 | 0.00 |