贷款18万（公积金贷款）房贷，还款4年11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：18万
还款月数：4年11个月
每月还款：3265.23元
利息总额：1.26万
本息合计：19.26万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 3265.23 | 412.50 | 2852.73 | 177147.27 |
| 2 | 2024-05 | 3265.23 | 405.96 | 2859.27 | 174288.00 |
| 3 | 2024-06 | 3265.23 | 399.41 | 2865.82 | 171422.17 |
| 4 | 2024-07 | 3265.23 | 392.84 | 2872.39 | 168549.78 |
| 5 | 2024-08 | 3265.23 | 386.26 | 2878.97 | 165670.81 |
| 6 | 2024-09 | 3265.23 | 379.66 | 2885.57 | 162785.24 |
| 7 | 2024-10 | 3265.23 | 373.05 | 2892.18 | 159893.06 |
| 8 | 2024-11 | 3265.23 | 366.42 | 2898.81 | 156994.24 |
| 9 | 2024-12 | 3265.23 | 359.78 | 2905.45 | 154088.79 |
| 10 | 2025-01 | 3265.23 | 353.12 | 2912.11 | 151176.68 |
| 11 | 2025-02 | 3265.23 | 346.45 | 2918.79 | 148257.89 |
| 12 | 2025-03 | 3265.23 | 339.76 | 2925.48 | 145332.42 |
| 13 | 2025-04 | 3265.23 | 333.05 | 2932.18 | 142400.24 |
| 14 | 2025-05 | 3265.23 | 326.33 | 2938.90 | 139461.34 |
| 15 | 2025-06 | 3265.23 | 319.60 | 2945.63 | 136515.70 |
| 16 | 2025-07 | 3265.23 | 312.85 | 2952.38 | 133563.32 |
| 17 | 2025-08 | 3265.23 | 306.08 | 2959.15 | 130604.17 |
| 18 | 2025-09 | 3265.23 | 299.30 | 2965.93 | 127638.24 |
| 19 | 2025-10 | 3265.23 | 292.50 | 2972.73 | 124665.51 |
| 20 | 2025-11 | 3265.23 | 285.69 | 2979.54 | 121685.97 |
| 21 | 2025-12 | 3265.23 | 278.86 | 2986.37 | 118699.60 |
| 22 | 2026-01 | 3265.23 | 272.02 | 2993.21 | 115706.38 |
| 23 | 2026-02 | 3265.23 | 265.16 | 3000.07 | 112706.31 |
| 24 | 2026-03 | 3265.23 | 258.29 | 3006.95 | 109699.36 |
| 25 | 2026-04 | 3265.23 | 251.39 | 3013.84 | 106685.53 |
| 26 | 2026-05 | 3265.23 | 244.49 | 3020.75 | 103664.78 |
| 27 | 2026-06 | 3265.23 | 237.57 | 3027.67 | 100637.11 |
| 28 | 2026-07 | 3265.23 | 230.63 | 3034.61 | 97602.51 |
| 29 | 2026-08 | 3265.23 | 223.67 | 3041.56 | 94560.95 |
| 30 | 2026-09 | 3265.23 | 216.70 | 3048.53 | 91512.42 |
| 31 | 2026-10 | 3265.23 | 209.72 | 3055.52 | 88456.90 |
| 32 | 2026-11 | 3265.23 | 202.71 | 3062.52 | 85394.38 |
| 33 | 2026-12 | 3265.23 | 195.70 | 3069.54 | 82324.84 |
| 34 | 2027-01 | 3265.23 | 188.66 | 3076.57 | 79248.27 |
| 35 | 2027-02 | 3265.23 | 181.61 | 3083.62 | 76164.65 |
| 36 | 2027-03 | 3265.23 | 174.54 | 3090.69 | 73073.96 |
| 37 | 2027-04 | 3265.23 | 167.46 | 3097.77 | 69976.19 |
| 38 | 2027-05 | 3265.23 | 160.36 | 3104.87 | 66871.32 |
| 39 | 2027-06 | 3265.23 | 153.25 | 3111.99 | 63759.33 |
| 40 | 2027-07 | 3265.23 | 146.12 | 3119.12 | 60640.21 |
| 41 | 2027-08 | 3265.23 | 138.97 | 3126.27 | 57513.95 |
| 42 | 2027-09 | 3265.23 | 131.80 | 3133.43 | 54380.52 |
| 43 | 2027-10 | 3265.23 | 124.62 | 3140.61 | 51239.90 |
| 44 | 2027-11 | 3265.23 | 117.42 | 3147.81 | 48092.10 |
| 45 | 2027-12 | 3265.23 | 110.21 | 3155.02 | 44937.07 |
| 46 | 2028-01 | 3265.23 | 102.98 | 3162.25 | 41774.82 |
| 47 | 2028-02 | 3265.23 | 95.73 | 3169.50 | 38605.32 |
| 48 | 2028-03 | 3265.23 | 88.47 | 3176.76 | 35428.56 |
| 49 | 2028-04 | 3265.23 | 81.19 | 3184.04 | 32244.52 |
| 50 | 2028-05 | 3265.23 | 73.89 | 3191.34 | 29053.18 |
| 51 | 2028-06 | 3265.23 | 66.58 | 3198.65 | 25854.53 |
| 52 | 2028-07 | 3265.23 | 59.25 | 3205.98 | 22648.54 |
| 53 | 2028-08 | 3265.23 | 51.90 | 3213.33 | 19435.21 |
| 54 | 2028-09 | 3265.23 | 44.54 | 3220.69 | 16214.52 |
| 55 | 2028-10 | 3265.23 | 37.16 | 3228.07 | 12986.45 |
| 56 | 2028-11 | 3265.23 | 29.76 | 3235.47 | 9750.97 |
| 57 | 2028-12 | 3265.23 | 22.35 | 3242.89 | 6508.09 |
| 58 | 2029-01 | 3265.23 | 14.91 | 3250.32 | 3257.77 |
| 59 | 2029-02 | 3265.23 | 7.47 | 3257.77 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：4年11个月
首月还款：3463.35元
每月递减：6.99元
利息总额：1.24万
本息合计：19.24万
节省利息：273.74元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 3463.35 | 412.50 | 3050.85 | 176949.15 |
| 2 | 2024-05 | 3456.36 | 405.51 | 3050.85 | 173898.31 |
| 3 | 2024-06 | 3449.36 | 398.52 | 3050.85 | 170847.46 |
| 4 | 2024-07 | 3442.37 | 391.53 | 3050.85 | 167796.61 |
| 5 | 2024-08 | 3435.38 | 384.53 | 3050.85 | 164745.76 |
| 6 | 2024-09 | 3428.39 | 377.54 | 3050.85 | 161694.92 |
| 7 | 2024-10 | 3421.40 | 370.55 | 3050.85 | 158644.07 |
| 8 | 2024-11 | 3414.41 | 363.56 | 3050.85 | 155593.22 |
| 9 | 2024-12 | 3407.42 | 356.57 | 3050.85 | 152542.37 |
| 10 | 2025-01 | 3400.42 | 349.58 | 3050.85 | 149491.53 |
| 11 | 2025-02 | 3393.43 | 342.58 | 3050.85 | 146440.68 |
| 12 | 2025-03 | 3386.44 | 335.59 | 3050.85 | 143389.83 |
| 13 | 2025-04 | 3379.45 | 328.60 | 3050.85 | 140338.98 |
| 14 | 2025-05 | 3372.46 | 321.61 | 3050.85 | 137288.14 |
| 15 | 2025-06 | 3365.47 | 314.62 | 3050.85 | 134237.29 |
| 16 | 2025-07 | 3358.47 | 307.63 | 3050.85 | 131186.44 |
| 17 | 2025-08 | 3351.48 | 300.64 | 3050.85 | 128135.59 |
| 18 | 2025-09 | 3344.49 | 293.64 | 3050.85 | 125084.75 |
| 19 | 2025-10 | 3337.50 | 286.65 | 3050.85 | 122033.90 |
| 20 | 2025-11 | 3330.51 | 279.66 | 3050.85 | 118983.05 |
| 21 | 2025-12 | 3323.52 | 272.67 | 3050.85 | 115932.20 |
| 22 | 2026-01 | 3316.53 | 265.68 | 3050.85 | 112881.36 |
| 23 | 2026-02 | 3309.53 | 258.69 | 3050.85 | 109830.51 |
| 24 | 2026-03 | 3302.54 | 251.69 | 3050.85 | 106779.66 |
| 25 | 2026-04 | 3295.55 | 244.70 | 3050.85 | 103728.81 |
| 26 | 2026-05 | 3288.56 | 237.71 | 3050.85 | 100677.97 |
| 27 | 2026-06 | 3281.57 | 230.72 | 3050.85 | 97627.12 |
| 28 | 2026-07 | 3274.58 | 223.73 | 3050.85 | 94576.27 |
| 29 | 2026-08 | 3267.58 | 216.74 | 3050.85 | 91525.42 |
| 30 | 2026-09 | 3260.59 | 209.75 | 3050.85 | 88474.58 |
| 31 | 2026-10 | 3253.60 | 202.75 | 3050.85 | 85423.73 |
| 32 | 2026-11 | 3246.61 | 195.76 | 3050.85 | 82372.88 |
| 33 | 2026-12 | 3239.62 | 188.77 | 3050.85 | 79322.03 |
| 34 | 2027-01 | 3232.63 | 181.78 | 3050.85 | 76271.19 |
| 35 | 2027-02 | 3225.64 | 174.79 | 3050.85 | 73220.34 |
| 36 | 2027-03 | 3218.64 | 167.80 | 3050.85 | 70169.49 |
| 37 | 2027-04 | 3211.65 | 160.81 | 3050.85 | 67118.64 |
| 38 | 2027-05 | 3204.66 | 153.81 | 3050.85 | 64067.80 |
| 39 | 2027-06 | 3197.67 | 146.82 | 3050.85 | 61016.95 |
| 40 | 2027-07 | 3190.68 | 139.83 | 3050.85 | 57966.10 |
| 41 | 2027-08 | 3183.69 | 132.84 | 3050.85 | 54915.25 |
| 42 | 2027-09 | 3176.69 | 125.85 | 3050.85 | 51864.41 |
| 43 | 2027-10 | 3169.70 | 118.86 | 3050.85 | 48813.56 |
| 44 | 2027-11 | 3162.71 | 111.86 | 3050.85 | 45762.71 |
| 45 | 2027-12 | 3155.72 | 104.87 | 3050.85 | 42711.86 |
| 46 | 2028-01 | 3148.73 | 97.88 | 3050.85 | 39661.02 |
| 47 | 2028-02 | 3141.74 | 90.89 | 3050.85 | 36610.17 |
| 48 | 2028-03 | 3134.75 | 83.90 | 3050.85 | 33559.32 |
| 49 | 2028-04 | 3127.75 | 76.91 | 3050.85 | 30508.47 |
| 50 | 2028-05 | 3120.76 | 69.92 | 3050.85 | 27457.63 |
| 51 | 2028-06 | 3113.77 | 62.92 | 3050.85 | 24406.78 |
| 52 | 2028-07 | 3106.78 | 55.93 | 3050.85 | 21355.93 |
| 53 | 2028-08 | 3099.79 | 48.94 | 3050.85 | 18305.08 |
| 54 | 2028-09 | 3092.80 | 41.95 | 3050.85 | 15254.24 |
| 55 | 2028-10 | 3085.81 | 34.96 | 3050.85 | 12203.39 |
| 56 | 2028-11 | 3078.81 | 27.97 | 3050.85 | 9152.54 |
| 57 | 2028-12 | 3071.82 | 20.97 | 3050.85 | 6101.69 |
| 58 | 2029-01 | 3064.83 | 13.98 | 3050.85 | 3050.85 |
| 59 | 2029-02 | 3057.84 | 6.99 | 3050.85 | 0.00 |