贷款11万（公积金贷款）房贷，还款4年5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：11万
还款月数：4年5个月
每月还款：2223.47元
利息总额：7844元
本息合计：11.78万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 2223.47 | 284.17 | 1939.31 | 108060.69 |
| 2 | 2025-04 | 2223.47 | 279.16 | 1944.31 | 106116.38 |
| 3 | 2025-05 | 2223.47 | 274.13 | 1949.34 | 104167.04 |
| 4 | 2025-06 | 2223.47 | 269.10 | 1954.37 | 102212.67 |
| 5 | 2025-07 | 2223.47 | 264.05 | 1959.42 | 100253.25 |
| 6 | 2025-08 | 2223.47 | 258.99 | 1964.48 | 98288.76 |
| 7 | 2025-09 | 2223.47 | 253.91 | 1969.56 | 96319.20 |
| 8 | 2025-10 | 2223.47 | 248.82 | 1974.65 | 94344.56 |
| 9 | 2025-11 | 2223.47 | 243.72 | 1979.75 | 92364.81 |
| 10 | 2025-12 | 2223.47 | 238.61 | 1984.86 | 90379.94 |
| 11 | 2026-01 | 2223.47 | 233.48 | 1989.99 | 88389.95 |
| 12 | 2026-02 | 2223.47 | 228.34 | 1995.13 | 86394.82 |
| 13 | 2026-03 | 2223.47 | 223.19 | 2000.29 | 84394.54 |
| 14 | 2026-04 | 2223.47 | 218.02 | 2005.45 | 82389.09 |
| 15 | 2026-05 | 2223.47 | 212.84 | 2010.63 | 80378.45 |
| 16 | 2026-06 | 2223.47 | 207.64 | 2015.83 | 78362.62 |
| 17 | 2026-07 | 2223.47 | 202.44 | 2021.03 | 76341.59 |
| 18 | 2026-08 | 2223.47 | 197.22 | 2026.26 | 74315.33 |
| 19 | 2026-09 | 2223.47 | 191.98 | 2031.49 | 72283.84 |
| 20 | 2026-10 | 2223.47 | 186.73 | 2036.74 | 70247.10 |
| 21 | 2026-11 | 2223.47 | 181.47 | 2042.00 | 68205.10 |
| 22 | 2026-12 | 2223.47 | 176.20 | 2047.28 | 66157.83 |
| 23 | 2027-01 | 2223.47 | 170.91 | 2052.56 | 64105.27 |
| 24 | 2027-02 | 2223.47 | 165.61 | 2057.87 | 62047.40 |
| 25 | 2027-03 | 2223.47 | 160.29 | 2063.18 | 59984.22 |
| 26 | 2027-04 | 2223.47 | 154.96 | 2068.51 | 57915.70 |
| 27 | 2027-05 | 2223.47 | 149.62 | 2073.86 | 55841.85 |
| 28 | 2027-06 | 2223.47 | 144.26 | 2079.21 | 53762.63 |
| 29 | 2027-07 | 2223.47 | 138.89 | 2084.58 | 51678.05 |
| 30 | 2027-08 | 2223.47 | 133.50 | 2089.97 | 49588.08 |
| 31 | 2027-09 | 2223.47 | 128.10 | 2095.37 | 47492.71 |
| 32 | 2027-10 | 2223.47 | 122.69 | 2100.78 | 45391.93 |
| 33 | 2027-11 | 2223.47 | 117.26 | 2106.21 | 43285.72 |
| 34 | 2027-12 | 2223.47 | 111.82 | 2111.65 | 41174.07 |
| 35 | 2028-01 | 2223.47 | 106.37 | 2117.11 | 39056.96 |
| 36 | 2028-02 | 2223.47 | 100.90 | 2122.57 | 36934.39 |
| 37 | 2028-03 | 2223.47 | 95.41 | 2128.06 | 34806.33 |
| 38 | 2028-04 | 2223.47 | 89.92 | 2133.56 | 32672.77 |
| 39 | 2028-05 | 2223.47 | 84.40 | 2139.07 | 30533.71 |
| 40 | 2028-06 | 2223.47 | 78.88 | 2144.59 | 28389.11 |
| 41 | 2028-07 | 2223.47 | 73.34 | 2150.13 | 26238.98 |
| 42 | 2028-08 | 2223.47 | 67.78 | 2155.69 | 24083.29 |
| 43 | 2028-09 | 2223.47 | 62.22 | 2161.26 | 21922.04 |
| 44 | 2028-10 | 2223.47 | 56.63 | 2166.84 | 19755.20 |
| 45 | 2028-11 | 2223.47 | 51.03 | 2172.44 | 17582.76 |
| 46 | 2028-12 | 2223.47 | 45.42 | 2178.05 | 15404.71 |
| 47 | 2029-01 | 2223.47 | 39.80 | 2183.68 | 13221.03 |
| 48 | 2029-02 | 2223.47 | 34.15 | 2189.32 | 11031.72 |
| 49 | 2029-03 | 2223.47 | 28.50 | 2194.97 | 8836.74 |
| 50 | 2029-04 | 2223.47 | 22.83 | 2200.64 | 6636.10 |
| 51 | 2029-05 | 2223.47 | 17.14 | 2206.33 | 4429.77 |
| 52 | 2029-06 | 2223.47 | 11.44 | 2212.03 | 2217.74 |
| 53 | 2029-07 | 2223.47 | 5.73 | 2217.74 | 0.00 |
等额本金还款方式：
贷款总额：11万
还款月数：4年5个月
首月还款：2359.64元
每月递减：5.36元
利息总额：7672.5元
本息合计：11.77万
节省利息：171.5元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 2359.64 | 284.17 | 2075.47 | 107924.53 |
| 2 | 2025-04 | 2354.28 | 278.81 | 2075.47 | 105849.06 |
| 3 | 2025-05 | 2348.92 | 273.44 | 2075.47 | 103773.58 |
| 4 | 2025-06 | 2343.55 | 268.08 | 2075.47 | 101698.11 |
| 5 | 2025-07 | 2338.19 | 262.72 | 2075.47 | 99622.64 |
| 6 | 2025-08 | 2332.83 | 257.36 | 2075.47 | 97547.17 |
| 7 | 2025-09 | 2327.47 | 252.00 | 2075.47 | 95471.70 |
| 8 | 2025-10 | 2322.11 | 246.64 | 2075.47 | 93396.23 |
| 9 | 2025-11 | 2316.75 | 241.27 | 2075.47 | 91320.75 |
| 10 | 2025-12 | 2311.38 | 235.91 | 2075.47 | 89245.28 |
| 11 | 2026-01 | 2306.02 | 230.55 | 2075.47 | 87169.81 |
| 12 | 2026-02 | 2300.66 | 225.19 | 2075.47 | 85094.34 |
| 13 | 2026-03 | 2295.30 | 219.83 | 2075.47 | 83018.87 |
| 14 | 2026-04 | 2289.94 | 214.47 | 2075.47 | 80943.40 |
| 15 | 2026-05 | 2284.58 | 209.10 | 2075.47 | 78867.92 |
| 16 | 2026-06 | 2279.21 | 203.74 | 2075.47 | 76792.45 |
| 17 | 2026-07 | 2273.85 | 198.38 | 2075.47 | 74716.98 |
| 18 | 2026-08 | 2268.49 | 193.02 | 2075.47 | 72641.51 |
| 19 | 2026-09 | 2263.13 | 187.66 | 2075.47 | 70566.04 |
| 20 | 2026-10 | 2257.77 | 182.30 | 2075.47 | 68490.57 |
| 21 | 2026-11 | 2252.41 | 176.93 | 2075.47 | 66415.09 |
| 22 | 2026-12 | 2247.04 | 171.57 | 2075.47 | 64339.62 |
| 23 | 2027-01 | 2241.68 | 166.21 | 2075.47 | 62264.15 |
| 24 | 2027-02 | 2236.32 | 160.85 | 2075.47 | 60188.68 |
| 25 | 2027-03 | 2230.96 | 155.49 | 2075.47 | 58113.21 |
| 26 | 2027-04 | 2225.60 | 150.13 | 2075.47 | 56037.74 |
| 27 | 2027-05 | 2220.24 | 144.76 | 2075.47 | 53962.26 |
| 28 | 2027-06 | 2214.87 | 139.40 | 2075.47 | 51886.79 |
| 29 | 2027-07 | 2209.51 | 134.04 | 2075.47 | 49811.32 |
| 30 | 2027-08 | 2204.15 | 128.68 | 2075.47 | 47735.85 |
| 31 | 2027-09 | 2198.79 | 123.32 | 2075.47 | 45660.38 |
| 32 | 2027-10 | 2193.43 | 117.96 | 2075.47 | 43584.91 |
| 33 | 2027-11 | 2188.07 | 112.59 | 2075.47 | 41509.43 |
| 34 | 2027-12 | 2182.70 | 107.23 | 2075.47 | 39433.96 |
| 35 | 2028-01 | 2177.34 | 101.87 | 2075.47 | 37358.49 |
| 36 | 2028-02 | 2171.98 | 96.51 | 2075.47 | 35283.02 |
| 37 | 2028-03 | 2166.62 | 91.15 | 2075.47 | 33207.55 |
| 38 | 2028-04 | 2161.26 | 85.79 | 2075.47 | 31132.08 |
| 39 | 2028-05 | 2155.90 | 80.42 | 2075.47 | 29056.60 |
| 40 | 2028-06 | 2150.53 | 75.06 | 2075.47 | 26981.13 |
| 41 | 2028-07 | 2145.17 | 69.70 | 2075.47 | 24905.66 |
| 42 | 2028-08 | 2139.81 | 64.34 | 2075.47 | 22830.19 |
| 43 | 2028-09 | 2134.45 | 58.98 | 2075.47 | 20754.72 |
| 44 | 2028-10 | 2129.09 | 53.62 | 2075.47 | 18679.25 |
| 45 | 2028-11 | 2123.73 | 48.25 | 2075.47 | 16603.77 |
| 46 | 2028-12 | 2118.36 | 42.89 | 2075.47 | 14528.30 |
| 47 | 2029-01 | 2113.00 | 37.53 | 2075.47 | 12452.83 |
| 48 | 2029-02 | 2107.64 | 32.17 | 2075.47 | 10377.36 |
| 49 | 2029-03 | 2102.28 | 26.81 | 2075.47 | 8301.89 |
| 50 | 2029-04 | 2096.92 | 21.45 | 2075.47 | 6226.42 |
| 51 | 2029-05 | 2091.56 | 16.08 | 2075.47 | 4150.94 |
| 52 | 2029-06 | 2086.19 | 10.72 | 2075.47 | 2075.47 |
| 53 | 2029-07 | 2080.83 | 5.36 | 2075.47 | 0.00 |