石家庄贷款4万（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：4万
还款月数：4年
每月还款：889.8元
利息总额：2710.38元
本息合计：4.27万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-07 | 889.80 | 108.33 | 781.47 | 39218.53 |
| 2 | 2024-08 | 889.80 | 106.22 | 783.58 | 38434.95 |
| 3 | 2024-09 | 889.80 | 104.09 | 785.71 | 37649.25 |
| 4 | 2024-10 | 889.80 | 101.97 | 787.83 | 36861.41 |
| 5 | 2024-11 | 889.80 | 99.83 | 789.97 | 36071.45 |
| 6 | 2024-12 | 889.80 | 97.69 | 792.11 | 35279.34 |
| 7 | 2025-01 | 889.80 | 95.55 | 794.25 | 34485.09 |
| 8 | 2025-02 | 889.80 | 93.40 | 796.40 | 33688.69 |
| 9 | 2025-03 | 889.80 | 91.24 | 798.56 | 32890.13 |
| 10 | 2025-04 | 889.80 | 89.08 | 800.72 | 32089.40 |
| 11 | 2025-05 | 889.80 | 86.91 | 802.89 | 31286.51 |
| 12 | 2025-06 | 889.80 | 84.73 | 805.07 | 30481.45 |
| 13 | 2025-07 | 889.80 | 82.55 | 807.25 | 29674.20 |
| 14 | 2025-08 | 889.80 | 80.37 | 809.43 | 28864.77 |
| 15 | 2025-09 | 889.80 | 78.18 | 811.62 | 28053.15 |
| 16 | 2025-10 | 889.80 | 75.98 | 813.82 | 27239.32 |
| 17 | 2025-11 | 889.80 | 73.77 | 816.03 | 26423.30 |
| 18 | 2025-12 | 889.80 | 71.56 | 818.24 | 25605.06 |
| 19 | 2026-01 | 889.80 | 69.35 | 820.45 | 24784.61 |
| 20 | 2026-02 | 889.80 | 67.12 | 822.67 | 23961.93 |
| 21 | 2026-03 | 889.80 | 64.90 | 824.90 | 23137.03 |
| 22 | 2026-04 | 889.80 | 62.66 | 827.14 | 22309.89 |
| 23 | 2026-05 | 889.80 | 60.42 | 829.38 | 21480.52 |
| 24 | 2026-06 | 889.80 | 58.18 | 831.62 | 20648.89 |
| 25 | 2026-07 | 889.80 | 55.92 | 833.88 | 19815.02 |
| 26 | 2026-08 | 889.80 | 53.67 | 836.13 | 18978.88 |
| 27 | 2026-09 | 889.80 | 51.40 | 838.40 | 18140.49 |
| 28 | 2026-10 | 889.80 | 49.13 | 840.67 | 17299.82 |
| 29 | 2026-11 | 889.80 | 46.85 | 842.95 | 16456.87 |
| 30 | 2026-12 | 889.80 | 44.57 | 845.23 | 15611.64 |
| 31 | 2027-01 | 889.80 | 42.28 | 847.52 | 14764.12 |
| 32 | 2027-02 | 889.80 | 39.99 | 849.81 | 13914.31 |
| 33 | 2027-03 | 889.80 | 37.68 | 852.12 | 13062.19 |
| 34 | 2027-04 | 889.80 | 35.38 | 854.42 | 12207.77 |
| 35 | 2027-05 | 889.80 | 33.06 | 856.74 | 11351.03 |
| 36 | 2027-06 | 889.80 | 30.74 | 859.06 | 10491.98 |
| 37 | 2027-07 | 889.80 | 28.42 | 861.38 | 9630.59 |
| 38 | 2027-08 | 889.80 | 26.08 | 863.72 | 8766.88 |
| 39 | 2027-09 | 889.80 | 23.74 | 866.06 | 7900.82 |
| 40 | 2027-10 | 889.80 | 21.40 | 868.40 | 7032.42 |
| 41 | 2027-11 | 889.80 | 19.05 | 870.75 | 6161.67 |
| 42 | 2027-12 | 889.80 | 16.69 | 873.11 | 5288.55 |
| 43 | 2028-01 | 889.80 | 14.32 | 875.48 | 4413.08 |
| 44 | 2028-02 | 889.80 | 11.95 | 877.85 | 3535.23 |
| 45 | 2028-03 | 889.80 | 9.57 | 880.23 | 2655.00 |
| 46 | 2028-04 | 889.80 | 7.19 | 882.61 | 1772.40 |
| 47 | 2028-05 | 889.80 | 4.80 | 885.00 | 887.40 |
| 48 | 2028-06 | 889.80 | 2.40 | 887.40 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：4年
首月还款：941.67元
每月递减：2.26元
利息总额：2654.17元
本息合计：4.27万
节省利息：56.22元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-07 | 941.67 | 108.33 | 833.33 | 39166.67 |
| 2 | 2024-08 | 939.41 | 106.08 | 833.33 | 38333.33 |
| 3 | 2024-09 | 937.15 | 103.82 | 833.33 | 37500.00 |
| 4 | 2024-10 | 934.90 | 101.56 | 833.33 | 36666.67 |
| 5 | 2024-11 | 932.64 | 99.31 | 833.33 | 35833.33 |
| 6 | 2024-12 | 930.38 | 97.05 | 833.33 | 35000.00 |
| 7 | 2025-01 | 928.13 | 94.79 | 833.33 | 34166.67 |
| 8 | 2025-02 | 925.87 | 92.53 | 833.33 | 33333.33 |
| 9 | 2025-03 | 923.61 | 90.28 | 833.33 | 32500.00 |
| 10 | 2025-04 | 921.35 | 88.02 | 833.33 | 31666.67 |
| 11 | 2025-05 | 919.10 | 85.76 | 833.33 | 30833.33 |
| 12 | 2025-06 | 916.84 | 83.51 | 833.33 | 30000.00 |
| 13 | 2025-07 | 914.58 | 81.25 | 833.33 | 29166.67 |
| 14 | 2025-08 | 912.33 | 78.99 | 833.33 | 28333.33 |
| 15 | 2025-09 | 910.07 | 76.74 | 833.33 | 27500.00 |
| 16 | 2025-10 | 907.81 | 74.48 | 833.33 | 26666.67 |
| 17 | 2025-11 | 905.56 | 72.22 | 833.33 | 25833.33 |
| 18 | 2025-12 | 903.30 | 69.97 | 833.33 | 25000.00 |
| 19 | 2026-01 | 901.04 | 67.71 | 833.33 | 24166.67 |
| 20 | 2026-02 | 898.78 | 65.45 | 833.33 | 23333.33 |
| 21 | 2026-03 | 896.53 | 63.19 | 833.33 | 22500.00 |
| 22 | 2026-04 | 894.27 | 60.94 | 833.33 | 21666.67 |
| 23 | 2026-05 | 892.01 | 58.68 | 833.33 | 20833.33 |
| 24 | 2026-06 | 889.76 | 56.42 | 833.33 | 20000.00 |
| 25 | 2026-07 | 887.50 | 54.17 | 833.33 | 19166.67 |
| 26 | 2026-08 | 885.24 | 51.91 | 833.33 | 18333.33 |
| 27 | 2026-09 | 882.99 | 49.65 | 833.33 | 17500.00 |
| 28 | 2026-10 | 880.73 | 47.40 | 833.33 | 16666.67 |
| 29 | 2026-11 | 878.47 | 45.14 | 833.33 | 15833.33 |
| 30 | 2026-12 | 876.22 | 42.88 | 833.33 | 15000.00 |
| 31 | 2027-01 | 873.96 | 40.63 | 833.33 | 14166.67 |
| 32 | 2027-02 | 871.70 | 38.37 | 833.33 | 13333.33 |
| 33 | 2027-03 | 869.44 | 36.11 | 833.33 | 12500.00 |
| 34 | 2027-04 | 867.19 | 33.85 | 833.33 | 11666.67 |
| 35 | 2027-05 | 864.93 | 31.60 | 833.33 | 10833.33 |
| 36 | 2027-06 | 862.67 | 29.34 | 833.33 | 10000.00 |
| 37 | 2027-07 | 860.42 | 27.08 | 833.33 | 9166.67 |
| 38 | 2027-08 | 858.16 | 24.83 | 833.33 | 8333.33 |
| 39 | 2027-09 | 855.90 | 22.57 | 833.33 | 7500.00 |
| 40 | 2027-10 | 853.65 | 20.31 | 833.33 | 6666.67 |
| 41 | 2027-11 | 851.39 | 18.06 | 833.33 | 5833.33 |
| 42 | 2027-12 | 849.13 | 15.80 | 833.33 | 5000.00 |
| 43 | 2028-01 | 846.88 | 13.54 | 833.33 | 4166.67 |
| 44 | 2028-02 | 844.62 | 11.28 | 833.33 | 3333.33 |
| 45 | 2028-03 | 842.36 | 9.03 | 833.33 | 2500.00 |
| 46 | 2028-04 | 840.10 | 6.77 | 833.33 | 1666.67 |
| 47 | 2028-05 | 837.85 | 4.51 | 833.33 | 833.33 |
| 48 | 2028-06 | 835.59 | 2.26 | 833.33 | 0.00 |