贷款16.84万（公积金贷款）房贷，还款4年2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：4年2个月
每月还款：3576.75元
利息总额：1.04万
本息合计：17.88万
| 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 | 3576.75 | 400.04 | 3176.71 | 165262.11 |
| 2 | 2026-03 | 3576.75 | 392.50 | 3184.25 | 162077.86 |
| 3 | 2026-04 | 3576.75 | 384.93 | 3191.81 | 158886.05 |
| 4 | 2026-05 | 3576.75 | 377.35 | 3199.40 | 155686.65 |
| 5 | 2026-06 | 3576.75 | 369.76 | 3206.99 | 152479.66 |
| 6 | 2026-07 | 3576.75 | 362.14 | 3214.61 | 149265.05 |
| 7 | 2026-08 | 3576.75 | 354.50 | 3222.24 | 146042.80 |
| 8 | 2026-09 | 3576.75 | 346.85 | 3229.90 | 142812.90 |
| 9 | 2026-10 | 3576.75 | 339.18 | 3237.57 | 139575.34 |
| 10 | 2026-11 | 3576.75 | 331.49 | 3245.26 | 136330.08 |
| 11 | 2026-12 | 3576.75 | 323.78 | 3252.97 | 133077.11 |
| 12 | 2027-01 | 3576.75 | 316.06 | 3260.69 | 129816.42 |
| 13 | 2027-02 | 3576.75 | 308.31 | 3268.44 | 126547.99 |
| 14 | 2027-03 | 3576.75 | 300.55 | 3276.20 | 123271.79 |
| 15 | 2027-04 | 3576.75 | 292.77 | 3283.98 | 119987.81 |
| 16 | 2027-05 | 3576.75 | 284.97 | 3291.78 | 116696.03 |
| 17 | 2027-06 | 3576.75 | 277.15 | 3299.60 | 113396.43 |
| 18 | 2027-07 | 3576.75 | 269.32 | 3307.43 | 110089.00 |
| 19 | 2027-08 | 3576.75 | 261.46 | 3315.29 | 106773.71 |
| 20 | 2027-09 | 3576.75 | 253.59 | 3323.16 | 103450.55 |
| 21 | 2027-10 | 3576.75 | 245.70 | 3331.05 | 100119.50 |
| 22 | 2027-11 | 3576.75 | 237.78 | 3338.97 | 96780.53 |
| 23 | 2027-12 | 3576.75 | 229.85 | 3346.90 | 93433.63 |
| 24 | 2028-01 | 3576.75 | 221.90 | 3354.84 | 90078.79 |
| 25 | 2028-02 | 3576.75 | 213.94 | 3362.81 | 86715.98 |
| 26 | 2028-03 | 3576.75 | 205.95 | 3370.80 | 83345.18 |
| 27 | 2028-04 | 3576.75 | 197.94 | 3378.80 | 79966.37 |
| 28 | 2028-05 | 3576.75 | 189.92 | 3386.83 | 76579.54 |
| 29 | 2028-06 | 3576.75 | 181.88 | 3394.87 | 73184.67 |
| 30 | 2028-07 | 3576.75 | 173.81 | 3402.94 | 69781.74 |
| 31 | 2028-08 | 3576.75 | 165.73 | 3411.02 | 66370.72 |
| 32 | 2028-09 | 3576.75 | 157.63 | 3419.12 | 62951.60 |
| 33 | 2028-10 | 3576.75 | 149.51 | 3427.24 | 59524.36 |
| 34 | 2028-11 | 3576.75 | 141.37 | 3435.38 | 56088.98 |
| 35 | 2028-12 | 3576.75 | 133.21 | 3443.54 | 52645.44 |
| 36 | 2029-01 | 3576.75 | 125.03 | 3451.72 | 49193.73 |
| 37 | 2029-02 | 3576.75 | 116.84 | 3459.91 | 45733.81 |
| 38 | 2029-03 | 3576.75 | 108.62 | 3468.13 | 42265.68 |
| 39 | 2029-04 | 3576.75 | 100.38 | 3476.37 | 38789.31 |
| 40 | 2029-05 | 3576.75 | 92.12 | 3484.62 | 35304.69 |
| 41 | 2029-06 | 3576.75 | 83.85 | 3492.90 | 31811.79 |
| 42 | 2029-07 | 3576.75 | 75.55 | 3501.20 | 28310.59 |
| 43 | 2029-08 | 3576.75 | 67.24 | 3509.51 | 24801.08 |
| 44 | 2029-09 | 3576.75 | 58.90 | 3517.85 | 21283.23 |
| 45 | 2029-10 | 3576.75 | 50.55 | 3526.20 | 17757.03 |
| 46 | 2029-11 | 3576.75 | 42.17 | 3534.58 | 14222.45 |
| 47 | 2029-12 | 3576.75 | 33.78 | 3542.97 | 10679.48 |
| 48 | 2030-01 | 3576.75 | 25.36 | 3551.39 | 7128.10 |
| 49 | 2030-02 | 3576.75 | 16.93 | 3559.82 | 3568.27 |
| 50 | 2030-03 | 3576.75 | 8.47 | 3568.27 | 0.00 |
等额本金还款方式：
贷款总额：16.84万
还款月数：4年2个月
首月还款：3768.82元
每月递减：8元
利息总额：1.02万
本息合计：17.86万
节省利息：197.58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 | 3768.82 | 400.04 | 3368.78 | 165070.04 |
| 2 | 2026-03 | 3760.82 | 392.04 | 3368.78 | 161701.27 |
| 3 | 2026-04 | 3752.82 | 384.04 | 3368.78 | 158332.49 |
| 4 | 2026-05 | 3744.82 | 376.04 | 3368.78 | 154963.71 |
| 5 | 2026-06 | 3736.82 | 368.04 | 3368.78 | 151594.94 |
| 6 | 2026-07 | 3728.81 | 360.04 | 3368.78 | 148226.16 |
| 7 | 2026-08 | 3720.81 | 352.04 | 3368.78 | 144857.39 |
| 8 | 2026-09 | 3712.81 | 344.04 | 3368.78 | 141488.61 |
| 9 | 2026-10 | 3704.81 | 336.04 | 3368.78 | 138119.83 |
| 10 | 2026-11 | 3696.81 | 328.03 | 3368.78 | 134751.06 |
| 11 | 2026-12 | 3688.81 | 320.03 | 3368.78 | 131382.28 |
| 12 | 2027-01 | 3680.81 | 312.03 | 3368.78 | 128013.50 |
| 13 | 2027-02 | 3672.81 | 304.03 | 3368.78 | 124644.73 |
| 14 | 2027-03 | 3664.81 | 296.03 | 3368.78 | 121275.95 |
| 15 | 2027-04 | 3656.81 | 288.03 | 3368.78 | 117907.17 |
| 16 | 2027-05 | 3648.81 | 280.03 | 3368.78 | 114538.40 |
| 17 | 2027-06 | 3640.81 | 272.03 | 3368.78 | 111169.62 |
| 18 | 2027-07 | 3632.80 | 264.03 | 3368.78 | 107800.84 |
| 19 | 2027-08 | 3624.80 | 256.03 | 3368.78 | 104432.07 |
| 20 | 2027-09 | 3616.80 | 248.03 | 3368.78 | 101063.29 |
| 21 | 2027-10 | 3608.80 | 240.03 | 3368.78 | 97694.52 |
| 22 | 2027-11 | 3600.80 | 232.02 | 3368.78 | 94325.74 |
| 23 | 2027-12 | 3592.80 | 224.02 | 3368.78 | 90956.96 |
| 24 | 2028-01 | 3584.80 | 216.02 | 3368.78 | 87588.19 |
| 25 | 2028-02 | 3576.80 | 208.02 | 3368.78 | 84219.41 |
| 26 | 2028-03 | 3568.80 | 200.02 | 3368.78 | 80850.63 |
| 27 | 2028-04 | 3560.80 | 192.02 | 3368.78 | 77481.86 |
| 28 | 2028-05 | 3552.80 | 184.02 | 3368.78 | 74113.08 |
| 29 | 2028-06 | 3544.79 | 176.02 | 3368.78 | 70744.30 |
| 30 | 2028-07 | 3536.79 | 168.02 | 3368.78 | 67375.53 |
| 31 | 2028-08 | 3528.79 | 160.02 | 3368.78 | 64006.75 |
| 32 | 2028-09 | 3520.79 | 152.02 | 3368.78 | 60637.98 |
| 33 | 2028-10 | 3512.79 | 144.02 | 3368.78 | 57269.20 |
| 34 | 2028-11 | 3504.79 | 136.01 | 3368.78 | 53900.42 |
| 35 | 2028-12 | 3496.79 | 128.01 | 3368.78 | 50531.65 |
| 36 | 2029-01 | 3488.79 | 120.01 | 3368.78 | 47162.87 |
| 37 | 2029-02 | 3480.79 | 112.01 | 3368.78 | 43794.09 |
| 38 | 2029-03 | 3472.79 | 104.01 | 3368.78 | 40425.32 |
| 39 | 2029-04 | 3464.79 | 96.01 | 3368.78 | 37056.54 |
| 40 | 2029-05 | 3456.79 | 88.01 | 3368.78 | 33687.76 |
| 41 | 2029-06 | 3448.78 | 80.01 | 3368.78 | 30318.99 |
| 42 | 2029-07 | 3440.78 | 72.01 | 3368.78 | 26950.21 |
| 43 | 2029-08 | 3432.78 | 64.01 | 3368.78 | 23581.43 |
| 44 | 2029-09 | 3424.78 | 56.01 | 3368.78 | 20212.66 |
| 45 | 2029-10 | 3416.78 | 48.01 | 3368.78 | 16843.88 |
| 46 | 2029-11 | 3408.78 | 40.00 | 3368.78 | 13475.11 |
| 47 | 2029-12 | 3400.78 | 32.00 | 3368.78 | 10106.33 |
| 48 | 2030-01 | 3392.78 | 24.00 | 3368.78 | 6737.55 |
| 49 | 2030-02 | 3384.78 | 16.00 | 3368.78 | 3368.78 |
| 50 | 2030-03 | 3376.78 | 8.00 | 3368.78 | 0.00 |