贷款16.84万（公积金贷款）房贷，还款3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：16.84万
还款月数：3年4个月
每月还款：4419.15元
利息总额：8327.3元
本息合计：17.68万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 4419.15 | 400.04 | 4019.11 | 164419.71 |
| 2 | 2026-03 | 4419.15 | 390.50 | 4028.66 | 160391.05 |
| 3 | 2026-04 | 4419.15 | 380.93 | 4038.22 | 156352.83 |
| 4 | 2026-05 | 4419.15 | 371.34 | 4047.81 | 152305.01 |
| 5 | 2026-06 | 4419.15 | 361.72 | 4057.43 | 148247.59 |
| 6 | 2026-07 | 4419.15 | 352.09 | 4067.06 | 144180.52 |
| 7 | 2026-08 | 4419.15 | 342.43 | 4076.72 | 140103.80 |
| 8 | 2026-09 | 4419.15 | 332.75 | 4086.41 | 136017.39 |
| 9 | 2026-10 | 4419.15 | 323.04 | 4096.11 | 131921.28 |
| 10 | 2026-11 | 4419.15 | 313.31 | 4105.84 | 127815.44 |
| 11 | 2026-12 | 4419.15 | 303.56 | 4115.59 | 123699.85 |
| 12 | 2027-01 | 4419.15 | 293.79 | 4125.37 | 119574.48 |
| 13 | 2027-02 | 4419.15 | 283.99 | 4135.16 | 115439.32 |
| 14 | 2027-03 | 4419.15 | 274.17 | 4144.98 | 111294.33 |
| 15 | 2027-04 | 4419.15 | 264.32 | 4154.83 | 107139.50 |
| 16 | 2027-05 | 4419.15 | 254.46 | 4164.70 | 102974.81 |
| 17 | 2027-06 | 4419.15 | 244.57 | 4174.59 | 98800.22 |
| 18 | 2027-07 | 4419.15 | 234.65 | 4184.50 | 94615.72 |
| 19 | 2027-08 | 4419.15 | 224.71 | 4194.44 | 90421.28 |
| 20 | 2027-09 | 4419.15 | 214.75 | 4204.40 | 86216.87 |
| 21 | 2027-10 | 4419.15 | 204.77 | 4214.39 | 82002.49 |
| 22 | 2027-11 | 4419.15 | 194.76 | 4224.40 | 77778.09 |
| 23 | 2027-12 | 4419.15 | 184.72 | 4234.43 | 73543.66 |
| 24 | 2028-01 | 4419.15 | 174.67 | 4244.49 | 69299.17 |
| 25 | 2028-02 | 4419.15 | 164.59 | 4254.57 | 65044.61 |
| 26 | 2028-03 | 4419.15 | 154.48 | 4264.67 | 60779.93 |
| 27 | 2028-04 | 4419.15 | 144.35 | 4274.80 | 56505.13 |
| 28 | 2028-05 | 4419.15 | 134.20 | 4284.95 | 52220.18 |
| 29 | 2028-06 | 4419.15 | 124.02 | 4295.13 | 47925.05 |
| 30 | 2028-07 | 4419.15 | 113.82 | 4305.33 | 43619.72 |
| 31 | 2028-08 | 4419.15 | 103.60 | 4315.56 | 39304.16 |
| 32 | 2028-09 | 4419.15 | 93.35 | 4325.81 | 34978.36 |
| 33 | 2028-10 | 4419.15 | 83.07 | 4336.08 | 30642.28 |
| 34 | 2028-11 | 4419.15 | 72.78 | 4346.38 | 26295.90 |
| 35 | 2028-12 | 4419.15 | 62.45 | 4356.70 | 21939.20 |
| 36 | 2029-01 | 4419.15 | 52.11 | 4367.05 | 17572.15 |
| 37 | 2029-02 | 4419.15 | 41.73 | 4377.42 | 13194.73 |
| 38 | 2029-03 | 4419.15 | 31.34 | 4387.82 | 8806.92 |
| 39 | 2029-04 | 4419.15 | 20.92 | 4398.24 | 4408.68 |
| 40 | 2029-05 | 4419.15 | 10.47 | 4408.68 | 0.00 |
等额本金还款方式：
贷款总额：16.84万
还款月数：3年4个月
首月还款：4611.01元
每月递减：10元
利息总额：8200.87元
本息合计：17.66万
节省利息：126.43元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 4611.01 | 400.04 | 4210.97 | 164227.85 |
| 2 | 2026-03 | 4601.01 | 390.04 | 4210.97 | 160016.88 |
| 3 | 2026-04 | 4591.01 | 380.04 | 4210.97 | 155805.91 |
| 4 | 2026-05 | 4581.01 | 370.04 | 4210.97 | 151594.94 |
| 5 | 2026-06 | 4571.01 | 360.04 | 4210.97 | 147383.97 |
| 6 | 2026-07 | 4561.01 | 350.04 | 4210.97 | 143173.00 |
| 7 | 2026-08 | 4551.01 | 340.04 | 4210.97 | 138962.03 |
| 8 | 2026-09 | 4541.01 | 330.03 | 4210.97 | 134751.06 |
| 9 | 2026-10 | 4531.00 | 320.03 | 4210.97 | 130540.09 |
| 10 | 2026-11 | 4521.00 | 310.03 | 4210.97 | 126329.12 |
| 11 | 2026-12 | 4511.00 | 300.03 | 4210.97 | 122118.14 |
| 12 | 2027-01 | 4501.00 | 290.03 | 4210.97 | 117907.17 |
| 13 | 2027-02 | 4491.00 | 280.03 | 4210.97 | 113696.20 |
| 14 | 2027-03 | 4481.00 | 270.03 | 4210.97 | 109485.23 |
| 15 | 2027-04 | 4471.00 | 260.03 | 4210.97 | 105274.26 |
| 16 | 2027-05 | 4461.00 | 250.03 | 4210.97 | 101063.29 |
| 17 | 2027-06 | 4451.00 | 240.03 | 4210.97 | 96852.32 |
| 18 | 2027-07 | 4440.99 | 230.02 | 4210.97 | 92641.35 |
| 19 | 2027-08 | 4430.99 | 220.02 | 4210.97 | 88430.38 |
| 20 | 2027-09 | 4420.99 | 210.02 | 4210.97 | 84219.41 |
| 21 | 2027-10 | 4410.99 | 200.02 | 4210.97 | 80008.44 |
| 22 | 2027-11 | 4400.99 | 190.02 | 4210.97 | 75797.47 |
| 23 | 2027-12 | 4390.99 | 180.02 | 4210.97 | 71586.50 |
| 24 | 2028-01 | 4380.99 | 170.02 | 4210.97 | 67375.53 |
| 25 | 2028-02 | 4370.99 | 160.02 | 4210.97 | 63164.56 |
| 26 | 2028-03 | 4360.99 | 150.02 | 4210.97 | 58953.59 |
| 27 | 2028-04 | 4350.99 | 140.01 | 4210.97 | 54742.62 |
| 28 | 2028-05 | 4340.98 | 130.01 | 4210.97 | 50531.65 |
| 29 | 2028-06 | 4330.98 | 120.01 | 4210.97 | 46320.68 |
| 30 | 2028-07 | 4320.98 | 110.01 | 4210.97 | 42109.71 |
| 31 | 2028-08 | 4310.98 | 100.01 | 4210.97 | 37898.73 |
| 32 | 2028-09 | 4300.98 | 90.01 | 4210.97 | 33687.76 |
| 33 | 2028-10 | 4290.98 | 80.01 | 4210.97 | 29476.79 |
| 34 | 2028-11 | 4280.98 | 70.01 | 4210.97 | 25265.82 |
| 35 | 2028-12 | 4270.98 | 60.01 | 4210.97 | 21054.85 |
| 36 | 2029-01 | 4260.98 | 50.01 | 4210.97 | 16843.88 |
| 37 | 2029-02 | 4250.97 | 40.00 | 4210.97 | 12632.91 |
| 38 | 2029-03 | 4240.97 | 30.00 | 4210.97 | 8421.94 |
| 39 | 2029-04 | 4230.97 | 20.00 | 4210.97 | 4210.97 |
| 40 | 2029-05 | 4220.97 | 10.00 | 4210.97 | 0.00 |