石家庄贷款2万（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：2万
还款月数：4年
每月还款：444.9元
利息总额：1355.19元
本息合计：2.14万
| 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 | 444.90 | 54.17 | 390.73 | 19609.27 |
| 2 | 2024-08 | 444.90 | 53.11 | 391.79 | 19217.48 |
| 3 | 2024-09 | 444.90 | 52.05 | 392.85 | 18824.62 |
| 4 | 2024-10 | 444.90 | 50.98 | 393.92 | 18430.71 |
| 5 | 2024-11 | 444.90 | 49.92 | 394.98 | 18035.72 |
| 6 | 2024-12 | 444.90 | 48.85 | 396.05 | 17639.67 |
| 7 | 2025-01 | 444.90 | 47.77 | 397.13 | 17242.54 |
| 8 | 2025-02 | 444.90 | 46.70 | 398.20 | 16844.34 |
| 9 | 2025-03 | 444.90 | 45.62 | 399.28 | 16445.06 |
| 10 | 2025-04 | 444.90 | 44.54 | 400.36 | 16044.70 |
| 11 | 2025-05 | 444.90 | 43.45 | 401.45 | 15643.26 |
| 12 | 2025-06 | 444.90 | 42.37 | 402.53 | 15240.72 |
| 13 | 2025-07 | 444.90 | 41.28 | 403.62 | 14837.10 |
| 14 | 2025-08 | 444.90 | 40.18 | 404.72 | 14432.39 |
| 15 | 2025-09 | 444.90 | 39.09 | 405.81 | 14026.57 |
| 16 | 2025-10 | 444.90 | 37.99 | 406.91 | 13619.66 |
| 17 | 2025-11 | 444.90 | 36.89 | 408.01 | 13211.65 |
| 18 | 2025-12 | 444.90 | 35.78 | 409.12 | 12802.53 |
| 19 | 2026-01 | 444.90 | 34.67 | 410.23 | 12392.30 |
| 20 | 2026-02 | 444.90 | 33.56 | 411.34 | 11980.97 |
| 21 | 2026-03 | 444.90 | 32.45 | 412.45 | 11568.52 |
| 22 | 2026-04 | 444.90 | 31.33 | 413.57 | 11154.95 |
| 23 | 2026-05 | 444.90 | 30.21 | 414.69 | 10740.26 |
| 24 | 2026-06 | 444.90 | 29.09 | 415.81 | 10324.45 |
| 25 | 2026-07 | 444.90 | 27.96 | 416.94 | 9907.51 |
| 26 | 2026-08 | 444.90 | 26.83 | 418.07 | 9489.44 |
| 27 | 2026-09 | 444.90 | 25.70 | 419.20 | 9070.24 |
| 28 | 2026-10 | 444.90 | 24.57 | 420.33 | 8649.91 |
| 29 | 2026-11 | 444.90 | 23.43 | 421.47 | 8228.44 |
| 30 | 2026-12 | 444.90 | 22.29 | 422.61 | 7805.82 |
| 31 | 2027-01 | 444.90 | 21.14 | 423.76 | 7382.06 |
| 32 | 2027-02 | 444.90 | 19.99 | 424.91 | 6957.15 |
| 33 | 2027-03 | 444.90 | 18.84 | 426.06 | 6531.10 |
| 34 | 2027-04 | 444.90 | 17.69 | 427.21 | 6103.89 |
| 35 | 2027-05 | 444.90 | 16.53 | 428.37 | 5675.52 |
| 36 | 2027-06 | 444.90 | 15.37 | 429.53 | 5245.99 |
| 37 | 2027-07 | 444.90 | 14.21 | 430.69 | 4815.30 |
| 38 | 2027-08 | 444.90 | 13.04 | 431.86 | 4383.44 |
| 39 | 2027-09 | 444.90 | 11.87 | 433.03 | 3950.41 |
| 40 | 2027-10 | 444.90 | 10.70 | 434.20 | 3516.21 |
| 41 | 2027-11 | 444.90 | 9.52 | 435.38 | 3080.83 |
| 42 | 2027-12 | 444.90 | 8.34 | 436.56 | 2644.28 |
| 43 | 2028-01 | 444.90 | 7.16 | 437.74 | 2206.54 |
| 44 | 2028-02 | 444.90 | 5.98 | 438.92 | 1767.61 |
| 45 | 2028-03 | 444.90 | 4.79 | 440.11 | 1327.50 |
| 46 | 2028-04 | 444.90 | 3.60 | 441.30 | 886.20 |
| 47 | 2028-05 | 444.90 | 2.40 | 442.50 | 443.70 |
| 48 | 2028-06 | 444.90 | 1.20 | 443.70 | 0.00 |
等额本金还款方式：
贷款总额：2万
还款月数：4年
首月还款：470.83元
每月递减：1.13元
利息总额：1327.08元
本息合计：2.13万
节省利息：28.11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 | 470.83 | 54.17 | 416.67 | 19583.33 |
| 2 | 2024-08 | 469.70 | 53.04 | 416.67 | 19166.67 |
| 3 | 2024-09 | 468.58 | 51.91 | 416.67 | 18750.00 |
| 4 | 2024-10 | 467.45 | 50.78 | 416.67 | 18333.33 |
| 5 | 2024-11 | 466.32 | 49.65 | 416.67 | 17916.67 |
| 6 | 2024-12 | 465.19 | 48.52 | 416.67 | 17500.00 |
| 7 | 2025-01 | 464.06 | 47.40 | 416.67 | 17083.33 |
| 8 | 2025-02 | 462.93 | 46.27 | 416.67 | 16666.67 |
| 9 | 2025-03 | 461.81 | 45.14 | 416.67 | 16250.00 |
| 10 | 2025-04 | 460.68 | 44.01 | 416.67 | 15833.33 |
| 11 | 2025-05 | 459.55 | 42.88 | 416.67 | 15416.67 |
| 12 | 2025-06 | 458.42 | 41.75 | 416.67 | 15000.00 |
| 13 | 2025-07 | 457.29 | 40.63 | 416.67 | 14583.33 |
| 14 | 2025-08 | 456.16 | 39.50 | 416.67 | 14166.67 |
| 15 | 2025-09 | 455.03 | 38.37 | 416.67 | 13750.00 |
| 16 | 2025-10 | 453.91 | 37.24 | 416.67 | 13333.33 |
| 17 | 2025-11 | 452.78 | 36.11 | 416.67 | 12916.67 |
| 18 | 2025-12 | 451.65 | 34.98 | 416.67 | 12500.00 |
| 19 | 2026-01 | 450.52 | 33.85 | 416.67 | 12083.33 |
| 20 | 2026-02 | 449.39 | 32.73 | 416.67 | 11666.67 |
| 21 | 2026-03 | 448.26 | 31.60 | 416.67 | 11250.00 |
| 22 | 2026-04 | 447.14 | 30.47 | 416.67 | 10833.33 |
| 23 | 2026-05 | 446.01 | 29.34 | 416.67 | 10416.67 |
| 24 | 2026-06 | 444.88 | 28.21 | 416.67 | 10000.00 |
| 25 | 2026-07 | 443.75 | 27.08 | 416.67 | 9583.33 |
| 26 | 2026-08 | 442.62 | 25.95 | 416.67 | 9166.67 |
| 27 | 2026-09 | 441.49 | 24.83 | 416.67 | 8750.00 |
| 28 | 2026-10 | 440.36 | 23.70 | 416.67 | 8333.33 |
| 29 | 2026-11 | 439.24 | 22.57 | 416.67 | 7916.67 |
| 30 | 2026-12 | 438.11 | 21.44 | 416.67 | 7500.00 |
| 31 | 2027-01 | 436.98 | 20.31 | 416.67 | 7083.33 |
| 32 | 2027-02 | 435.85 | 19.18 | 416.67 | 6666.67 |
| 33 | 2027-03 | 434.72 | 18.06 | 416.67 | 6250.00 |
| 34 | 2027-04 | 433.59 | 16.93 | 416.67 | 5833.33 |
| 35 | 2027-05 | 432.47 | 15.80 | 416.67 | 5416.67 |
| 36 | 2027-06 | 431.34 | 14.67 | 416.67 | 5000.00 |
| 37 | 2027-07 | 430.21 | 13.54 | 416.67 | 4583.33 |
| 38 | 2027-08 | 429.08 | 12.41 | 416.67 | 4166.67 |
| 39 | 2027-09 | 427.95 | 11.28 | 416.67 | 3750.00 |
| 40 | 2027-10 | 426.82 | 10.16 | 416.67 | 3333.33 |
| 41 | 2027-11 | 425.69 | 9.03 | 416.67 | 2916.67 |
| 42 | 2027-12 | 424.57 | 7.90 | 416.67 | 2500.00 |
| 43 | 2028-01 | 423.44 | 6.77 | 416.67 | 2083.33 |
| 44 | 2028-02 | 422.31 | 5.64 | 416.67 | 1666.67 |
| 45 | 2028-03 | 421.18 | 4.51 | 416.67 | 1250.00 |
| 46 | 2028-04 | 420.05 | 3.39 | 416.67 | 833.33 |
| 47 | 2028-05 | 418.92 | 2.26 | 416.67 | 416.67 |
| 48 | 2028-06 | 417.80 | 1.13 | 416.67 | 0.00 |