贷款18.83万（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：18.83万
还款月数：4年2个月
每月还款：3997.67元
利息总额：1.16万
本息合计：19.99万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 3997.67 | 447.12 | 3550.55 | 184710.51 |
| 2 | 2026-04 | 3997.67 | 438.69 | 3558.98 | 181151.53 |
| 3 | 2026-05 | 3997.67 | 430.23 | 3567.43 | 177584.10 |
| 4 | 2026-06 | 3997.67 | 421.76 | 3575.91 | 174008.19 |
| 5 | 2026-07 | 3997.67 | 413.27 | 3584.40 | 170423.79 |
| 6 | 2026-08 | 3997.67 | 404.76 | 3592.91 | 166830.88 |
| 7 | 2026-09 | 3997.67 | 396.22 | 3601.45 | 163229.43 |
| 8 | 2026-10 | 3997.67 | 387.67 | 3610.00 | 159619.43 |
| 9 | 2026-11 | 3997.67 | 379.10 | 3618.57 | 156000.86 |
| 10 | 2026-12 | 3997.67 | 370.50 | 3627.17 | 152373.69 |
| 11 | 2027-01 | 3997.67 | 361.89 | 3635.78 | 148737.91 |
| 12 | 2027-02 | 3997.67 | 353.25 | 3644.42 | 145093.49 |
| 13 | 2027-03 | 3997.67 | 344.60 | 3653.07 | 141440.42 |
| 14 | 2027-04 | 3997.67 | 335.92 | 3661.75 | 137778.67 |
| 15 | 2027-05 | 3997.67 | 327.22 | 3670.44 | 134108.23 |
| 16 | 2027-06 | 3997.67 | 318.51 | 3679.16 | 130429.07 |
| 17 | 2027-07 | 3997.67 | 309.77 | 3687.90 | 126741.17 |
| 18 | 2027-08 | 3997.67 | 301.01 | 3696.66 | 123044.51 |
| 19 | 2027-09 | 3997.67 | 292.23 | 3705.44 | 119339.07 |
| 20 | 2027-10 | 3997.67 | 283.43 | 3714.24 | 115624.83 |
| 21 | 2027-11 | 3997.67 | 274.61 | 3723.06 | 111901.77 |
| 22 | 2027-12 | 3997.67 | 265.77 | 3731.90 | 108169.87 |
| 23 | 2028-01 | 3997.67 | 256.90 | 3740.77 | 104429.10 |
| 24 | 2028-02 | 3997.67 | 248.02 | 3749.65 | 100679.45 |
| 25 | 2028-03 | 3997.67 | 239.11 | 3758.56 | 96920.90 |
| 26 | 2028-04 | 3997.67 | 230.19 | 3767.48 | 93153.42 |
| 27 | 2028-05 | 3997.67 | 221.24 | 3776.43 | 89376.99 |
| 28 | 2028-06 | 3997.67 | 212.27 | 3785.40 | 85591.59 |
| 29 | 2028-07 | 3997.67 | 203.28 | 3794.39 | 81797.20 |
| 30 | 2028-08 | 3997.67 | 194.27 | 3803.40 | 77993.80 |
| 31 | 2028-09 | 3997.67 | 185.24 | 3812.43 | 74181.37 |
| 32 | 2028-10 | 3997.67 | 176.18 | 3821.49 | 70359.88 |
| 33 | 2028-11 | 3997.67 | 167.10 | 3830.56 | 66529.31 |
| 34 | 2028-12 | 3997.67 | 158.01 | 3839.66 | 62689.65 |
| 35 | 2029-01 | 3997.67 | 148.89 | 3848.78 | 58840.87 |
| 36 | 2029-02 | 3997.67 | 139.75 | 3857.92 | 54982.95 |
| 37 | 2029-03 | 3997.67 | 130.58 | 3867.08 | 51115.86 |
| 38 | 2029-04 | 3997.67 | 121.40 | 3876.27 | 47239.60 |
| 39 | 2029-05 | 3997.67 | 112.19 | 3885.47 | 43354.12 |
| 40 | 2029-06 | 3997.67 | 102.97 | 3894.70 | 39459.42 |
| 41 | 2029-07 | 3997.67 | 93.72 | 3903.95 | 35555.46 |
| 42 | 2029-08 | 3997.67 | 84.44 | 3913.22 | 31642.24 |
| 43 | 2029-09 | 3997.67 | 75.15 | 3922.52 | 27719.72 |
| 44 | 2029-10 | 3997.67 | 65.83 | 3931.83 | 23787.89 |
| 45 | 2029-11 | 3997.67 | 56.50 | 3941.17 | 19846.71 |
| 46 | 2029-12 | 3997.67 | 47.14 | 3950.53 | 15896.18 |
| 47 | 2030-01 | 3997.67 | 37.75 | 3959.92 | 11936.26 |
| 48 | 2030-02 | 3997.67 | 28.35 | 3969.32 | 7966.94 |
| 49 | 2030-03 | 3997.67 | 18.92 | 3978.75 | 3988.20 |
| 50 | 2030-04 | 3997.67 | 9.47 | 3988.20 | 0.00 |
等额本金还款方式：
贷款总额：18.83万
还款月数：4年2个月
首月还款：4212.34元
每月递减：8.94元
利息总额：1.14万
本息合计：19.97万
节省利息：220.83元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 4212.34 | 447.12 | 3765.22 | 184495.84 |
| 2 | 2026-04 | 4203.40 | 438.18 | 3765.22 | 180730.62 |
| 3 | 2026-05 | 4194.46 | 429.24 | 3765.22 | 176965.40 |
| 4 | 2026-06 | 4185.51 | 420.29 | 3765.22 | 173200.18 |
| 5 | 2026-07 | 4176.57 | 411.35 | 3765.22 | 169434.95 |
| 6 | 2026-08 | 4167.63 | 402.41 | 3765.22 | 165669.73 |
| 7 | 2026-09 | 4158.69 | 393.47 | 3765.22 | 161904.51 |
| 8 | 2026-10 | 4149.74 | 384.52 | 3765.22 | 158139.29 |
| 9 | 2026-11 | 4140.80 | 375.58 | 3765.22 | 154374.07 |
| 10 | 2026-12 | 4131.86 | 366.64 | 3765.22 | 150608.85 |
| 11 | 2027-01 | 4122.92 | 357.70 | 3765.22 | 146843.63 |
| 12 | 2027-02 | 4113.97 | 348.75 | 3765.22 | 143078.41 |
| 13 | 2027-03 | 4105.03 | 339.81 | 3765.22 | 139313.18 |
| 14 | 2027-04 | 4096.09 | 330.87 | 3765.22 | 135547.96 |
| 15 | 2027-05 | 4087.15 | 321.93 | 3765.22 | 131782.74 |
| 16 | 2027-06 | 4078.21 | 312.98 | 3765.22 | 128017.52 |
| 17 | 2027-07 | 4069.26 | 304.04 | 3765.22 | 124252.30 |
| 18 | 2027-08 | 4060.32 | 295.10 | 3765.22 | 120487.08 |
| 19 | 2027-09 | 4051.38 | 286.16 | 3765.22 | 116721.86 |
| 20 | 2027-10 | 4042.44 | 277.21 | 3765.22 | 112956.64 |
| 21 | 2027-11 | 4033.49 | 268.27 | 3765.22 | 109191.41 |
| 22 | 2027-12 | 4024.55 | 259.33 | 3765.22 | 105426.19 |
| 23 | 2028-01 | 4015.61 | 250.39 | 3765.22 | 101660.97 |
| 24 | 2028-02 | 4006.67 | 241.44 | 3765.22 | 97895.75 |
| 25 | 2028-03 | 3997.72 | 232.50 | 3765.22 | 94130.53 |
| 26 | 2028-04 | 3988.78 | 223.56 | 3765.22 | 90365.31 |
| 27 | 2028-05 | 3979.84 | 214.62 | 3765.22 | 86600.09 |
| 28 | 2028-06 | 3970.90 | 205.68 | 3765.22 | 82834.87 |
| 29 | 2028-07 | 3961.95 | 196.73 | 3765.22 | 79069.65 |
| 30 | 2028-08 | 3953.01 | 187.79 | 3765.22 | 75304.42 |
| 31 | 2028-09 | 3944.07 | 178.85 | 3765.22 | 71539.20 |
| 32 | 2028-10 | 3935.13 | 169.91 | 3765.22 | 67773.98 |
| 33 | 2028-11 | 3926.18 | 160.96 | 3765.22 | 64008.76 |
| 34 | 2028-12 | 3917.24 | 152.02 | 3765.22 | 60243.54 |
| 35 | 2029-01 | 3908.30 | 143.08 | 3765.22 | 56478.32 |
| 36 | 2029-02 | 3899.36 | 134.14 | 3765.22 | 52713.10 |
| 37 | 2029-03 | 3890.41 | 125.19 | 3765.22 | 48947.88 |
| 38 | 2029-04 | 3881.47 | 116.25 | 3765.22 | 45182.65 |
| 39 | 2029-05 | 3872.53 | 107.31 | 3765.22 | 41417.43 |
| 40 | 2029-06 | 3863.59 | 98.37 | 3765.22 | 37652.21 |
| 41 | 2029-07 | 3854.65 | 89.42 | 3765.22 | 33886.99 |
| 42 | 2029-08 | 3845.70 | 80.48 | 3765.22 | 30121.77 |
| 43 | 2029-09 | 3836.76 | 71.54 | 3765.22 | 26356.55 |
| 44 | 2029-10 | 3827.82 | 62.60 | 3765.22 | 22591.33 |
| 45 | 2029-11 | 3818.88 | 53.65 | 3765.22 | 18826.11 |
| 46 | 2029-12 | 3809.93 | 44.71 | 3765.22 | 15060.88 |
| 47 | 2030-01 | 3800.99 | 35.77 | 3765.22 | 11295.66 |
| 48 | 2030-02 | 3792.05 | 26.83 | 3765.22 | 7530.44 |
| 49 | 2030-03 | 3783.11 | 17.88 | 3765.22 | 3765.22 |
| 50 | 2030-04 | 3774.16 | 8.94 | 3765.22 | 0.00 |