贷款16.91万（公积金贷款）房贷，还款4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：16.91万
还款月数：4年4个月
每月还款：3460.23元
利息总额：1.09万
本息合计：17.99万
| 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 | 3460.23 | 401.56 | 3058.67 | 166017.33 |
| 2 | 2025-04 | 3460.23 | 394.29 | 3065.93 | 162951.40 |
| 3 | 2025-05 | 3460.23 | 387.01 | 3073.22 | 159878.18 |
| 4 | 2025-06 | 3460.23 | 379.71 | 3080.51 | 156797.66 |
| 5 | 2025-07 | 3460.23 | 372.39 | 3087.83 | 153709.83 |
| 6 | 2025-08 | 3460.23 | 365.06 | 3095.16 | 150614.67 |
| 7 | 2025-09 | 3460.23 | 357.71 | 3102.52 | 147512.15 |
| 8 | 2025-10 | 3460.23 | 350.34 | 3109.88 | 144402.27 |
| 9 | 2025-11 | 3460.23 | 342.96 | 3117.27 | 141285.00 |
| 10 | 2025-12 | 3460.23 | 335.55 | 3124.67 | 138160.32 |
| 11 | 2026-01 | 3460.23 | 328.13 | 3132.09 | 135028.23 |
| 12 | 2026-02 | 3460.23 | 320.69 | 3139.53 | 131888.70 |
| 13 | 2026-03 | 3460.23 | 313.24 | 3146.99 | 128741.71 |
| 14 | 2026-04 | 3460.23 | 305.76 | 3154.46 | 125587.24 |
| 15 | 2026-05 | 3460.23 | 298.27 | 3161.96 | 122425.29 |
| 16 | 2026-06 | 3460.23 | 290.76 | 3169.47 | 119255.82 |
| 17 | 2026-07 | 3460.23 | 283.23 | 3176.99 | 116078.83 |
| 18 | 2026-08 | 3460.23 | 275.69 | 3184.54 | 112894.29 |
| 19 | 2026-09 | 3460.23 | 268.12 | 3192.10 | 109702.19 |
| 20 | 2026-10 | 3460.23 | 260.54 | 3199.68 | 106502.50 |
| 21 | 2026-11 | 3460.23 | 252.94 | 3207.28 | 103295.22 |
| 22 | 2026-12 | 3460.23 | 245.33 | 3214.90 | 100080.32 |
| 23 | 2027-01 | 3460.23 | 237.69 | 3222.53 | 96857.79 |
| 24 | 2027-02 | 3460.23 | 230.04 | 3230.19 | 93627.60 |
| 25 | 2027-03 | 3460.23 | 222.37 | 3237.86 | 90389.74 |
| 26 | 2027-04 | 3460.23 | 214.68 | 3245.55 | 87144.19 |
| 27 | 2027-05 | 3460.23 | 206.97 | 3253.26 | 83890.93 |
| 28 | 2027-06 | 3460.23 | 199.24 | 3260.98 | 80629.95 |
| 29 | 2027-07 | 3460.23 | 191.50 | 3268.73 | 77361.22 |
| 30 | 2027-08 | 3460.23 | 183.73 | 3276.49 | 74084.73 |
| 31 | 2027-09 | 3460.23 | 175.95 | 3284.27 | 70800.45 |
| 32 | 2027-10 | 3460.23 | 168.15 | 3292.07 | 67508.38 |
| 33 | 2027-11 | 3460.23 | 160.33 | 3299.89 | 64208.48 |
| 34 | 2027-12 | 3460.23 | 152.50 | 3307.73 | 60900.75 |
| 35 | 2028-01 | 3460.23 | 144.64 | 3315.59 | 57585.17 |
| 36 | 2028-02 | 3460.23 | 136.76 | 3323.46 | 54261.71 |
| 37 | 2028-03 | 3460.23 | 128.87 | 3331.35 | 50930.35 |
| 38 | 2028-04 | 3460.23 | 120.96 | 3339.27 | 47591.09 |
| 39 | 2028-05 | 3460.23 | 113.03 | 3347.20 | 44243.89 |
| 40 | 2028-06 | 3460.23 | 105.08 | 3355.15 | 40888.74 |
| 41 | 2028-07 | 3460.23 | 97.11 | 3363.11 | 37525.63 |
| 42 | 2028-08 | 3460.23 | 89.12 | 3371.10 | 34154.53 |
| 43 | 2028-09 | 3460.23 | 81.12 | 3379.11 | 30775.42 |
| 44 | 2028-10 | 3460.23 | 73.09 | 3387.13 | 27388.28 |
| 45 | 2028-11 | 3460.23 | 65.05 | 3395.18 | 23993.10 |
| 46 | 2028-12 | 3460.23 | 56.98 | 3403.24 | 20589.86 |
| 47 | 2029-01 | 3460.23 | 48.90 | 3411.32 | 17178.54 |
| 48 | 2029-02 | 3460.23 | 40.80 | 3419.43 | 13759.11 |
| 49 | 2029-03 | 3460.23 | 32.68 | 3427.55 | 10331.56 |
| 50 | 2029-04 | 3460.23 | 24.54 | 3435.69 | 6895.87 |
| 51 | 2029-05 | 3460.23 | 16.38 | 3443.85 | 3452.03 |
| 52 | 2029-06 | 3460.23 | 8.20 | 3452.03 | 0.00 |
等额本金还款方式：
贷款总额：16.91万
还款月数：4年4个月
首月还款：3653.02元
每月递减：7.72元
利息总额：1.06万
本息合计：17.97万
节省利息：214.51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 | 3653.02 | 401.56 | 3251.46 | 165824.54 |
| 2 | 2025-04 | 3645.29 | 393.83 | 3251.46 | 162573.08 |
| 3 | 2025-05 | 3637.57 | 386.11 | 3251.46 | 159321.62 |
| 4 | 2025-06 | 3629.85 | 378.39 | 3251.46 | 156070.15 |
| 5 | 2025-07 | 3622.13 | 370.67 | 3251.46 | 152818.69 |
| 6 | 2025-08 | 3614.41 | 362.94 | 3251.46 | 149567.23 |
| 7 | 2025-09 | 3606.68 | 355.22 | 3251.46 | 146315.77 |
| 8 | 2025-10 | 3598.96 | 347.50 | 3251.46 | 143064.31 |
| 9 | 2025-11 | 3591.24 | 339.78 | 3251.46 | 139812.85 |
| 10 | 2025-12 | 3583.52 | 332.06 | 3251.46 | 136561.38 |
| 11 | 2026-01 | 3575.79 | 324.33 | 3251.46 | 133309.92 |
| 12 | 2026-02 | 3568.07 | 316.61 | 3251.46 | 130058.46 |
| 13 | 2026-03 | 3560.35 | 308.89 | 3251.46 | 126807.00 |
| 14 | 2026-04 | 3552.63 | 301.17 | 3251.46 | 123555.54 |
| 15 | 2026-05 | 3544.91 | 293.44 | 3251.46 | 120304.08 |
| 16 | 2026-06 | 3537.18 | 285.72 | 3251.46 | 117052.62 |
| 17 | 2026-07 | 3529.46 | 278.00 | 3251.46 | 113801.15 |
| 18 | 2026-08 | 3521.74 | 270.28 | 3251.46 | 110549.69 |
| 19 | 2026-09 | 3514.02 | 262.56 | 3251.46 | 107298.23 |
| 20 | 2026-10 | 3506.29 | 254.83 | 3251.46 | 104046.77 |
| 21 | 2026-11 | 3498.57 | 247.11 | 3251.46 | 100795.31 |
| 22 | 2026-12 | 3490.85 | 239.39 | 3251.46 | 97543.85 |
| 23 | 2027-01 | 3483.13 | 231.67 | 3251.46 | 94292.38 |
| 24 | 2027-02 | 3475.41 | 223.94 | 3251.46 | 91040.92 |
| 25 | 2027-03 | 3467.68 | 216.22 | 3251.46 | 87789.46 |
| 26 | 2027-04 | 3459.96 | 208.50 | 3251.46 | 84538.00 |
| 27 | 2027-05 | 3452.24 | 200.78 | 3251.46 | 81286.54 |
| 28 | 2027-06 | 3444.52 | 193.06 | 3251.46 | 78035.08 |
| 29 | 2027-07 | 3436.79 | 185.33 | 3251.46 | 74783.62 |
| 30 | 2027-08 | 3429.07 | 177.61 | 3251.46 | 71532.15 |
| 31 | 2027-09 | 3421.35 | 169.89 | 3251.46 | 68280.69 |
| 32 | 2027-10 | 3413.63 | 162.17 | 3251.46 | 65029.23 |
| 33 | 2027-11 | 3405.91 | 154.44 | 3251.46 | 61777.77 |
| 34 | 2027-12 | 3398.18 | 146.72 | 3251.46 | 58526.31 |
| 35 | 2028-01 | 3390.46 | 139.00 | 3251.46 | 55274.85 |
| 36 | 2028-02 | 3382.74 | 131.28 | 3251.46 | 52023.38 |
| 37 | 2028-03 | 3375.02 | 123.56 | 3251.46 | 48771.92 |
| 38 | 2028-04 | 3367.29 | 115.83 | 3251.46 | 45520.46 |
| 39 | 2028-05 | 3359.57 | 108.11 | 3251.46 | 42269.00 |
| 40 | 2028-06 | 3351.85 | 100.39 | 3251.46 | 39017.54 |
| 41 | 2028-07 | 3344.13 | 92.67 | 3251.46 | 35766.08 |
| 42 | 2028-08 | 3336.41 | 84.94 | 3251.46 | 32514.62 |
| 43 | 2028-09 | 3328.68 | 77.22 | 3251.46 | 29263.15 |
| 44 | 2028-10 | 3320.96 | 69.50 | 3251.46 | 26011.69 |
| 45 | 2028-11 | 3313.24 | 61.78 | 3251.46 | 22760.23 |
| 46 | 2028-12 | 3305.52 | 54.06 | 3251.46 | 19508.77 |
| 47 | 2029-01 | 3297.79 | 46.33 | 3251.46 | 16257.31 |
| 48 | 2029-02 | 3290.07 | 38.61 | 3251.46 | 13005.85 |
| 49 | 2029-03 | 3282.35 | 30.89 | 3251.46 | 9754.38 |
| 50 | 2029-04 | 3274.63 | 23.17 | 3251.46 | 6502.92 |
| 51 | 2029-05 | 3266.91 | 15.44 | 3251.46 | 3251.46 |
| 52 | 2029-06 | 3259.18 | 7.72 | 3251.46 | 0.00 |