贷款13万（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：13万
还款月数：4年4个月
每月还款：2682.4元
利息总额：9484.59元
本息合计：13.95万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 2682.40 | 349.92 | 2332.48 | 127667.52 |
| 2 | 2024-09 | 2682.40 | 343.64 | 2338.76 | 125328.76 |
| 3 | 2024-10 | 2682.40 | 337.34 | 2345.05 | 122983.71 |
| 4 | 2024-11 | 2682.40 | 331.03 | 2351.36 | 120632.35 |
| 5 | 2024-12 | 2682.40 | 324.70 | 2357.69 | 118274.65 |
| 6 | 2025-01 | 2682.40 | 318.36 | 2364.04 | 115910.61 |
| 7 | 2025-02 | 2682.40 | 311.99 | 2370.40 | 113540.21 |
| 8 | 2025-03 | 2682.40 | 305.61 | 2376.78 | 111163.42 |
| 9 | 2025-04 | 2682.40 | 299.21 | 2383.18 | 108780.24 |
| 10 | 2025-05 | 2682.40 | 292.80 | 2389.60 | 106390.65 |
| 11 | 2025-06 | 2682.40 | 286.37 | 2396.03 | 103994.62 |
| 12 | 2025-07 | 2682.40 | 279.92 | 2402.48 | 101592.14 |
| 13 | 2025-08 | 2682.40 | 273.45 | 2408.94 | 99183.20 |
| 14 | 2025-09 | 2682.40 | 266.97 | 2415.43 | 96767.77 |
| 15 | 2025-10 | 2682.40 | 260.47 | 2421.93 | 94345.84 |
| 16 | 2025-11 | 2682.40 | 253.95 | 2428.45 | 91917.39 |
| 17 | 2025-12 | 2682.40 | 247.41 | 2434.99 | 89482.41 |
| 18 | 2026-01 | 2682.40 | 240.86 | 2441.54 | 87040.87 |
| 19 | 2026-02 | 2682.40 | 234.29 | 2448.11 | 84592.76 |
| 20 | 2026-03 | 2682.40 | 227.70 | 2454.70 | 82138.06 |
| 21 | 2026-04 | 2682.40 | 221.09 | 2461.31 | 79676.75 |
| 22 | 2026-05 | 2682.40 | 214.46 | 2467.93 | 77208.82 |
| 23 | 2026-06 | 2682.40 | 207.82 | 2474.58 | 74734.24 |
| 24 | 2026-07 | 2682.40 | 201.16 | 2481.24 | 72253.01 |
| 25 | 2026-08 | 2682.40 | 194.48 | 2487.91 | 69765.09 |
| 26 | 2026-09 | 2682.40 | 187.78 | 2494.61 | 67270.48 |
| 27 | 2026-10 | 2682.40 | 181.07 | 2501.33 | 64769.15 |
| 28 | 2026-11 | 2682.40 | 174.34 | 2508.06 | 62261.09 |
| 29 | 2026-12 | 2682.40 | 167.59 | 2514.81 | 59746.28 |
| 30 | 2027-01 | 2682.40 | 160.82 | 2521.58 | 57224.70 |
| 31 | 2027-02 | 2682.40 | 154.03 | 2528.37 | 54696.34 |
| 32 | 2027-03 | 2682.40 | 147.22 | 2535.17 | 52161.17 |
| 33 | 2027-04 | 2682.40 | 140.40 | 2542.00 | 49619.17 |
| 34 | 2027-05 | 2682.40 | 133.56 | 2548.84 | 47070.33 |
| 35 | 2027-06 | 2682.40 | 126.70 | 2555.70 | 44514.64 |
| 36 | 2027-07 | 2682.40 | 119.82 | 2562.58 | 41952.06 |
| 37 | 2027-08 | 2682.40 | 112.92 | 2569.48 | 39382.58 |
| 38 | 2027-09 | 2682.40 | 106.00 | 2576.39 | 36806.19 |
| 39 | 2027-10 | 2682.40 | 99.07 | 2583.33 | 34222.87 |
| 40 | 2027-11 | 2682.40 | 92.12 | 2590.28 | 31632.59 |
| 41 | 2027-12 | 2682.40 | 85.14 | 2597.25 | 29035.33 |
| 42 | 2028-01 | 2682.40 | 78.15 | 2604.24 | 26431.09 |
| 43 | 2028-02 | 2682.40 | 71.14 | 2611.25 | 23819.84 |
| 44 | 2028-03 | 2682.40 | 64.12 | 2618.28 | 21201.56 |
| 45 | 2028-04 | 2682.40 | 57.07 | 2625.33 | 18576.23 |
| 46 | 2028-05 | 2682.40 | 50.00 | 2632.39 | 15943.84 |
| 47 | 2028-06 | 2682.40 | 42.92 | 2639.48 | 13304.35 |
| 48 | 2028-07 | 2682.40 | 35.81 | 2646.59 | 10657.77 |
| 49 | 2028-08 | 2682.40 | 28.69 | 2653.71 | 8004.06 |
| 50 | 2028-09 | 2682.40 | 21.54 | 2660.85 | 5343.21 |
| 51 | 2028-10 | 2682.40 | 14.38 | 2668.01 | 2675.20 |
| 52 | 2028-11 | 2682.40 | 7.20 | 2675.20 | 0.00 |
等额本金还款方式：
贷款总额：13万
还款月数：4年4个月
首月还款：2849.92元
每月递减：6.73元
利息总额：9272.79元
本息合计：13.93万
节省利息：211.8元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 2849.92 | 349.92 | 2500.00 | 127500.00 |
| 2 | 2024-09 | 2843.19 | 343.19 | 2500.00 | 125000.00 |
| 3 | 2024-10 | 2836.46 | 336.46 | 2500.00 | 122500.00 |
| 4 | 2024-11 | 2829.73 | 329.73 | 2500.00 | 120000.00 |
| 5 | 2024-12 | 2823.00 | 323.00 | 2500.00 | 117500.00 |
| 6 | 2025-01 | 2816.27 | 316.27 | 2500.00 | 115000.00 |
| 7 | 2025-02 | 2809.54 | 309.54 | 2500.00 | 112500.00 |
| 8 | 2025-03 | 2802.81 | 302.81 | 2500.00 | 110000.00 |
| 9 | 2025-04 | 2796.08 | 296.08 | 2500.00 | 107500.00 |
| 10 | 2025-05 | 2789.35 | 289.35 | 2500.00 | 105000.00 |
| 11 | 2025-06 | 2782.63 | 282.63 | 2500.00 | 102500.00 |
| 12 | 2025-07 | 2775.90 | 275.90 | 2500.00 | 100000.00 |
| 13 | 2025-08 | 2769.17 | 269.17 | 2500.00 | 97500.00 |
| 14 | 2025-09 | 2762.44 | 262.44 | 2500.00 | 95000.00 |
| 15 | 2025-10 | 2755.71 | 255.71 | 2500.00 | 92500.00 |
| 16 | 2025-11 | 2748.98 | 248.98 | 2500.00 | 90000.00 |
| 17 | 2025-12 | 2742.25 | 242.25 | 2500.00 | 87500.00 |
| 18 | 2026-01 | 2735.52 | 235.52 | 2500.00 | 85000.00 |
| 19 | 2026-02 | 2728.79 | 228.79 | 2500.00 | 82500.00 |
| 20 | 2026-03 | 2722.06 | 222.06 | 2500.00 | 80000.00 |
| 21 | 2026-04 | 2715.33 | 215.33 | 2500.00 | 77500.00 |
| 22 | 2026-05 | 2708.60 | 208.60 | 2500.00 | 75000.00 |
| 23 | 2026-06 | 2701.88 | 201.88 | 2500.00 | 72500.00 |
| 24 | 2026-07 | 2695.15 | 195.15 | 2500.00 | 70000.00 |
| 25 | 2026-08 | 2688.42 | 188.42 | 2500.00 | 67500.00 |
| 26 | 2026-09 | 2681.69 | 181.69 | 2500.00 | 65000.00 |
| 27 | 2026-10 | 2674.96 | 174.96 | 2500.00 | 62500.00 |
| 28 | 2026-11 | 2668.23 | 168.23 | 2500.00 | 60000.00 |
| 29 | 2026-12 | 2661.50 | 161.50 | 2500.00 | 57500.00 |
| 30 | 2027-01 | 2654.77 | 154.77 | 2500.00 | 55000.00 |
| 31 | 2027-02 | 2648.04 | 148.04 | 2500.00 | 52500.00 |
| 32 | 2027-03 | 2641.31 | 141.31 | 2500.00 | 50000.00 |
| 33 | 2027-04 | 2634.58 | 134.58 | 2500.00 | 47500.00 |
| 34 | 2027-05 | 2627.85 | 127.85 | 2500.00 | 45000.00 |
| 35 | 2027-06 | 2621.13 | 121.13 | 2500.00 | 42500.00 |
| 36 | 2027-07 | 2614.40 | 114.40 | 2500.00 | 40000.00 |
| 37 | 2027-08 | 2607.67 | 107.67 | 2500.00 | 37500.00 |
| 38 | 2027-09 | 2600.94 | 100.94 | 2500.00 | 35000.00 |
| 39 | 2027-10 | 2594.21 | 94.21 | 2500.00 | 32500.00 |
| 40 | 2027-11 | 2587.48 | 87.48 | 2500.00 | 30000.00 |
| 41 | 2027-12 | 2580.75 | 80.75 | 2500.00 | 27500.00 |
| 42 | 2028-01 | 2574.02 | 74.02 | 2500.00 | 25000.00 |
| 43 | 2028-02 | 2567.29 | 67.29 | 2500.00 | 22500.00 |
| 44 | 2028-03 | 2560.56 | 60.56 | 2500.00 | 20000.00 |
| 45 | 2028-04 | 2553.83 | 53.83 | 2500.00 | 17500.00 |
| 46 | 2028-05 | 2547.10 | 47.10 | 2500.00 | 15000.00 |
| 47 | 2028-06 | 2540.38 | 40.38 | 2500.00 | 12500.00 |
| 48 | 2028-07 | 2533.65 | 33.65 | 2500.00 | 10000.00 |
| 49 | 2028-08 | 2526.92 | 26.92 | 2500.00 | 7500.00 |
| 50 | 2028-09 | 2520.19 | 20.19 | 2500.00 | 5000.00 |
| 51 | 2028-10 | 2513.46 | 13.46 | 2500.00 | 2500.00 |
| 52 | 2028-11 | 2506.73 | 6.73 | 2500.00 | 0.00 |