贷款4万（公积金贷款）房贷，还款3年7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：4万
还款月数：3年7个月
每月还款：988.04元
利息总额：2485.55元
本息合计：4.25万
| 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 | 988.04 | 110.83 | 877.20 | 39122.80 |
| 2 | 2025-04 | 988.04 | 108.40 | 879.63 | 38243.16 |
| 3 | 2025-05 | 988.04 | 105.97 | 882.07 | 37361.09 |
| 4 | 2025-06 | 988.04 | 103.52 | 884.51 | 36476.58 |
| 5 | 2025-07 | 988.04 | 101.07 | 886.97 | 35589.61 |
| 6 | 2025-08 | 988.04 | 98.61 | 889.42 | 34700.19 |
| 7 | 2025-09 | 988.04 | 96.15 | 891.89 | 33808.30 |
| 8 | 2025-10 | 988.04 | 93.68 | 894.36 | 32913.94 |
| 9 | 2025-11 | 988.04 | 91.20 | 896.84 | 32017.11 |
| 10 | 2025-12 | 988.04 | 88.71 | 899.32 | 31117.78 |
| 11 | 2026-01 | 988.04 | 86.22 | 901.81 | 30215.97 |
| 12 | 2026-02 | 988.04 | 83.72 | 904.31 | 29311.66 |
| 13 | 2026-03 | 988.04 | 81.22 | 906.82 | 28404.84 |
| 14 | 2026-04 | 988.04 | 78.71 | 909.33 | 27495.51 |
| 15 | 2026-05 | 988.04 | 76.19 | 911.85 | 26583.66 |
| 16 | 2026-06 | 988.04 | 73.66 | 914.38 | 25669.28 |
| 17 | 2026-07 | 988.04 | 71.13 | 916.91 | 24752.37 |
| 18 | 2026-08 | 988.04 | 68.58 | 919.45 | 23832.92 |
| 19 | 2026-09 | 988.04 | 66.04 | 922.00 | 22910.92 |
| 20 | 2026-10 | 988.04 | 63.48 | 924.55 | 21986.37 |
| 21 | 2026-11 | 988.04 | 60.92 | 927.12 | 21059.25 |
| 22 | 2026-12 | 988.04 | 58.35 | 929.68 | 20129.57 |
| 23 | 2027-01 | 988.04 | 55.78 | 932.26 | 19197.31 |
| 24 | 2027-02 | 988.04 | 53.19 | 934.84 | 18262.46 |
| 25 | 2027-03 | 988.04 | 50.60 | 937.43 | 17325.03 |
| 26 | 2027-04 | 988.04 | 48.00 | 940.03 | 16385.00 |
| 27 | 2027-05 | 988.04 | 45.40 | 942.64 | 15442.36 |
| 28 | 2027-06 | 988.04 | 42.79 | 945.25 | 14497.11 |
| 29 | 2027-07 | 988.04 | 40.17 | 947.87 | 13549.25 |
| 30 | 2027-08 | 988.04 | 37.54 | 950.49 | 12598.75 |
| 31 | 2027-09 | 988.04 | 34.91 | 953.13 | 11645.63 |
| 32 | 2027-10 | 988.04 | 32.27 | 955.77 | 10689.86 |
| 33 | 2027-11 | 988.04 | 29.62 | 958.42 | 9731.44 |
| 34 | 2027-12 | 988.04 | 26.96 | 961.07 | 8770.37 |
| 35 | 2028-01 | 988.04 | 24.30 | 963.73 | 7806.64 |
| 36 | 2028-02 | 988.04 | 21.63 | 966.41 | 6840.23 |
| 37 | 2028-03 | 988.04 | 18.95 | 969.08 | 5871.15 |
| 38 | 2028-04 | 988.04 | 16.27 | 971.77 | 4899.38 |
| 39 | 2028-05 | 988.04 | 13.58 | 974.46 | 3924.92 |
| 40 | 2028-06 | 988.04 | 10.88 | 977.16 | 2947.76 |
| 41 | 2028-07 | 988.04 | 8.17 | 979.87 | 1967.89 |
| 42 | 2028-08 | 988.04 | 5.45 | 982.58 | 985.31 |
| 43 | 2028-09 | 988.04 | 2.73 | 985.31 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：3年7个月
首月还款：1041.07元
每月递减：2.58元
利息总额：2438.33元
本息合计：4.24万
节省利息：47.22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 | 1041.07 | 110.83 | 930.23 | 39069.77 |
| 2 | 2025-04 | 1038.49 | 108.26 | 930.23 | 38139.53 |
| 3 | 2025-05 | 1035.91 | 105.68 | 930.23 | 37209.30 |
| 4 | 2025-06 | 1033.33 | 103.10 | 930.23 | 36279.07 |
| 5 | 2025-07 | 1030.76 | 100.52 | 930.23 | 35348.84 |
| 6 | 2025-08 | 1028.18 | 97.95 | 930.23 | 34418.60 |
| 7 | 2025-09 | 1025.60 | 95.37 | 930.23 | 33488.37 |
| 8 | 2025-10 | 1023.02 | 92.79 | 930.23 | 32558.14 |
| 9 | 2025-11 | 1020.45 | 90.21 | 930.23 | 31627.91 |
| 10 | 2025-12 | 1017.87 | 87.64 | 930.23 | 30697.67 |
| 11 | 2026-01 | 1015.29 | 85.06 | 930.23 | 29767.44 |
| 12 | 2026-02 | 1012.71 | 82.48 | 930.23 | 28837.21 |
| 13 | 2026-03 | 1010.14 | 79.90 | 930.23 | 27906.98 |
| 14 | 2026-04 | 1007.56 | 77.33 | 930.23 | 26976.74 |
| 15 | 2026-05 | 1004.98 | 74.75 | 930.23 | 26046.51 |
| 16 | 2026-06 | 1002.40 | 72.17 | 930.23 | 25116.28 |
| 17 | 2026-07 | 999.83 | 69.59 | 930.23 | 24186.05 |
| 18 | 2026-08 | 997.25 | 67.02 | 930.23 | 23255.81 |
| 19 | 2026-09 | 994.67 | 64.44 | 930.23 | 22325.58 |
| 20 | 2026-10 | 992.09 | 61.86 | 930.23 | 21395.35 |
| 21 | 2026-11 | 989.52 | 59.28 | 930.23 | 20465.12 |
| 22 | 2026-12 | 986.94 | 56.71 | 930.23 | 19534.88 |
| 23 | 2027-01 | 984.36 | 54.13 | 930.23 | 18604.65 |
| 24 | 2027-02 | 981.78 | 51.55 | 930.23 | 17674.42 |
| 25 | 2027-03 | 979.21 | 48.97 | 930.23 | 16744.19 |
| 26 | 2027-04 | 976.63 | 46.40 | 930.23 | 15813.95 |
| 27 | 2027-05 | 974.05 | 43.82 | 930.23 | 14883.72 |
| 28 | 2027-06 | 971.47 | 41.24 | 930.23 | 13953.49 |
| 29 | 2027-07 | 968.90 | 38.66 | 930.23 | 13023.26 |
| 30 | 2027-08 | 966.32 | 36.09 | 930.23 | 12093.02 |
| 31 | 2027-09 | 963.74 | 33.51 | 930.23 | 11162.79 |
| 32 | 2027-10 | 961.16 | 30.93 | 930.23 | 10232.56 |
| 33 | 2027-11 | 958.59 | 28.35 | 930.23 | 9302.33 |
| 34 | 2027-12 | 956.01 | 25.78 | 930.23 | 8372.09 |
| 35 | 2028-01 | 953.43 | 23.20 | 930.23 | 7441.86 |
| 36 | 2028-02 | 950.85 | 20.62 | 930.23 | 6511.63 |
| 37 | 2028-03 | 948.28 | 18.04 | 930.23 | 5581.40 |
| 38 | 2028-04 | 945.70 | 15.47 | 930.23 | 4651.16 |
| 39 | 2028-05 | 943.12 | 12.89 | 930.23 | 3720.93 |
| 40 | 2028-06 | 940.54 | 10.31 | 930.23 | 2790.70 |
| 41 | 2028-07 | 937.97 | 7.73 | 930.23 | 1860.47 |
| 42 | 2028-08 | 935.39 | 5.16 | 930.23 | 930.23 |
| 43 | 2028-09 | 932.81 | 2.58 | 930.23 | 0.00 |