贷款18.83万（公积金贷款）房贷，还款4年5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5个月
每月还款：3784.56元
利息总额：1.23万
本息合计：20.06万
| 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 | 3784.56 | 447.12 | 3337.44 | 184923.62 |
| 2 | 2026-04 | 3784.56 | 439.19 | 3345.36 | 181578.26 |
| 3 | 2026-05 | 3784.56 | 431.25 | 3353.31 | 178224.96 |
| 4 | 2026-06 | 3784.56 | 423.28 | 3361.27 | 174863.69 |
| 5 | 2026-07 | 3784.56 | 415.30 | 3369.25 | 171494.43 |
| 6 | 2026-08 | 3784.56 | 407.30 | 3377.26 | 168117.18 |
| 7 | 2026-09 | 3784.56 | 399.28 | 3385.28 | 164731.90 |
| 8 | 2026-10 | 3784.56 | 391.24 | 3393.32 | 161338.58 |
| 9 | 2026-11 | 3784.56 | 383.18 | 3401.38 | 157937.21 |
| 10 | 2026-12 | 3784.56 | 375.10 | 3409.45 | 154527.75 |
| 11 | 2027-01 | 3784.56 | 367.00 | 3417.55 | 151110.20 |
| 12 | 2027-02 | 3784.56 | 358.89 | 3425.67 | 147684.53 |
| 13 | 2027-03 | 3784.56 | 350.75 | 3433.80 | 144250.73 |
| 14 | 2027-04 | 3784.56 | 342.60 | 3441.96 | 140808.77 |
| 15 | 2027-05 | 3784.56 | 334.42 | 3450.13 | 137358.63 |
| 16 | 2027-06 | 3784.56 | 326.23 | 3458.33 | 133900.30 |
| 17 | 2027-07 | 3784.56 | 318.01 | 3466.54 | 130433.76 |
| 18 | 2027-08 | 3784.56 | 309.78 | 3474.78 | 126958.99 |
| 19 | 2027-09 | 3784.56 | 301.53 | 3483.03 | 123475.96 |
| 20 | 2027-10 | 3784.56 | 293.26 | 3491.30 | 119984.66 |
| 21 | 2027-11 | 3784.56 | 284.96 | 3499.59 | 116485.07 |
| 22 | 2027-12 | 3784.56 | 276.65 | 3507.90 | 112977.16 |
| 23 | 2028-01 | 3784.56 | 268.32 | 3516.23 | 109460.93 |
| 24 | 2028-02 | 3784.56 | 259.97 | 3524.59 | 105936.34 |
| 25 | 2028-03 | 3784.56 | 251.60 | 3532.96 | 102403.39 |
| 26 | 2028-04 | 3784.56 | 243.21 | 3541.35 | 98862.04 |
| 27 | 2028-05 | 3784.56 | 234.80 | 3549.76 | 95312.28 |
| 28 | 2028-06 | 3784.56 | 226.37 | 3558.19 | 91754.09 |
| 29 | 2028-07 | 3784.56 | 217.92 | 3566.64 | 88187.45 |
| 30 | 2028-08 | 3784.56 | 209.45 | 3575.11 | 84612.34 |
| 31 | 2028-09 | 3784.56 | 200.95 | 3583.60 | 81028.74 |
| 32 | 2028-10 | 3784.56 | 192.44 | 3592.11 | 77436.63 |
| 33 | 2028-11 | 3784.56 | 183.91 | 3600.64 | 73835.99 |
| 34 | 2028-12 | 3784.56 | 175.36 | 3609.19 | 70226.79 |
| 35 | 2029-01 | 3784.56 | 166.79 | 3617.77 | 66609.03 |
| 36 | 2029-02 | 3784.56 | 158.20 | 3626.36 | 62982.67 |
| 37 | 2029-03 | 3784.56 | 149.58 | 3634.97 | 59347.70 |
| 38 | 2029-04 | 3784.56 | 140.95 | 3643.60 | 55704.09 |
| 39 | 2029-05 | 3784.56 | 132.30 | 3652.26 | 52051.83 |
| 40 | 2029-06 | 3784.56 | 123.62 | 3660.93 | 48390.90 |
| 41 | 2029-07 | 3784.56 | 114.93 | 3669.63 | 44721.28 |
| 42 | 2029-08 | 3784.56 | 106.21 | 3678.34 | 41042.93 |
| 43 | 2029-09 | 3784.56 | 97.48 | 3687.08 | 37355.86 |
| 44 | 2029-10 | 3784.56 | 88.72 | 3695.84 | 33660.02 |
| 45 | 2029-11 | 3784.56 | 79.94 | 3704.61 | 29955.41 |
| 46 | 2029-12 | 3784.56 | 71.14 | 3713.41 | 26242.00 |
| 47 | 2030-01 | 3784.56 | 62.32 | 3722.23 | 22519.77 |
| 48 | 2030-02 | 3784.56 | 53.48 | 3731.07 | 18788.70 |
| 49 | 2030-03 | 3784.56 | 44.62 | 3739.93 | 15048.76 |
| 50 | 2030-04 | 3784.56 | 35.74 | 3748.81 | 11299.95 |
| 51 | 2030-05 | 3784.56 | 26.84 | 3757.72 | 7542.23 |
| 52 | 2030-06 | 3784.56 | 17.91 | 3766.64 | 3775.59 |
| 53 | 2030-07 | 3784.56 | 8.97 | 3775.59 | 0.00 |
等额本金还款方式：
贷款总额：18.83万
还款月数：4年5个月
首月还款：3999.22元
每月递减：8.44元
利息总额：1.21万
本息合计：20.03万
节省利息：248.13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 | 3999.22 | 447.12 | 3552.10 | 184708.96 |
| 2 | 2026-04 | 3990.78 | 438.68 | 3552.10 | 181156.87 |
| 3 | 2026-05 | 3982.34 | 430.25 | 3552.10 | 177604.77 |
| 4 | 2026-06 | 3973.91 | 421.81 | 3552.10 | 174052.68 |
| 5 | 2026-07 | 3965.47 | 413.38 | 3552.10 | 170500.58 |
| 6 | 2026-08 | 3957.03 | 404.94 | 3552.10 | 166948.49 |
| 7 | 2026-09 | 3948.60 | 396.50 | 3552.10 | 163396.39 |
| 8 | 2026-10 | 3940.16 | 388.07 | 3552.10 | 159844.30 |
| 9 | 2026-11 | 3931.73 | 379.63 | 3552.10 | 156292.20 |
| 10 | 2026-12 | 3923.29 | 371.19 | 3552.10 | 152740.11 |
| 11 | 2027-01 | 3914.85 | 362.76 | 3552.10 | 149188.01 |
| 12 | 2027-02 | 3906.42 | 354.32 | 3552.10 | 145635.91 |
| 13 | 2027-03 | 3897.98 | 345.89 | 3552.10 | 142083.82 |
| 14 | 2027-04 | 3889.54 | 337.45 | 3552.10 | 138531.72 |
| 15 | 2027-05 | 3881.11 | 329.01 | 3552.10 | 134979.63 |
| 16 | 2027-06 | 3872.67 | 320.58 | 3552.10 | 131427.53 |
| 17 | 2027-07 | 3864.24 | 312.14 | 3552.10 | 127875.44 |
| 18 | 2027-08 | 3855.80 | 303.70 | 3552.10 | 124323.34 |
| 19 | 2027-09 | 3847.36 | 295.27 | 3552.10 | 120771.25 |
| 20 | 2027-10 | 3838.93 | 286.83 | 3552.10 | 117219.15 |
| 21 | 2027-11 | 3830.49 | 278.40 | 3552.10 | 113667.06 |
| 22 | 2027-12 | 3822.05 | 269.96 | 3552.10 | 110114.96 |
| 23 | 2028-01 | 3813.62 | 261.52 | 3552.10 | 106562.86 |
| 24 | 2028-02 | 3805.18 | 253.09 | 3552.10 | 103010.77 |
| 25 | 2028-03 | 3796.75 | 244.65 | 3552.10 | 99458.67 |
| 26 | 2028-04 | 3788.31 | 236.21 | 3552.10 | 95906.58 |
| 27 | 2028-05 | 3779.87 | 227.78 | 3552.10 | 92354.48 |
| 28 | 2028-06 | 3771.44 | 219.34 | 3552.10 | 88802.39 |
| 29 | 2028-07 | 3763.00 | 210.91 | 3552.10 | 85250.29 |
| 30 | 2028-08 | 3754.56 | 202.47 | 3552.10 | 81698.20 |
| 31 | 2028-09 | 3746.13 | 194.03 | 3552.10 | 78146.10 |
| 32 | 2028-10 | 3737.69 | 185.60 | 3552.10 | 74594.00 |
| 33 | 2028-11 | 3729.26 | 177.16 | 3552.10 | 71041.91 |
| 34 | 2028-12 | 3720.82 | 168.72 | 3552.10 | 67489.81 |
| 35 | 2029-01 | 3712.38 | 160.29 | 3552.10 | 63937.72 |
| 36 | 2029-02 | 3703.95 | 151.85 | 3552.10 | 60385.62 |
| 37 | 2029-03 | 3695.51 | 143.42 | 3552.10 | 56833.53 |
| 38 | 2029-04 | 3687.08 | 134.98 | 3552.10 | 53281.43 |
| 39 | 2029-05 | 3678.64 | 126.54 | 3552.10 | 49729.34 |
| 40 | 2029-06 | 3670.20 | 118.11 | 3552.10 | 46177.24 |
| 41 | 2029-07 | 3661.77 | 109.67 | 3552.10 | 42625.15 |
| 42 | 2029-08 | 3653.33 | 101.23 | 3552.10 | 39073.05 |
| 43 | 2029-09 | 3644.89 | 92.80 | 3552.10 | 35520.95 |
| 44 | 2029-10 | 3636.46 | 84.36 | 3552.10 | 31968.86 |
| 45 | 2029-11 | 3628.02 | 75.93 | 3552.10 | 28416.76 |
| 46 | 2029-12 | 3619.59 | 67.49 | 3552.10 | 24864.67 |
| 47 | 2030-01 | 3611.15 | 59.05 | 3552.10 | 21312.57 |
| 48 | 2030-02 | 3602.71 | 50.62 | 3552.10 | 17760.48 |
| 49 | 2030-03 | 3594.28 | 42.18 | 3552.10 | 14208.38 |
| 50 | 2030-04 | 3585.84 | 33.74 | 3552.10 | 10656.29 |
| 51 | 2030-05 | 3577.40 | 25.31 | 3552.10 | 7104.19 |
| 52 | 2030-06 | 3568.97 | 16.87 | 3552.10 | 3552.10 |
| 53 | 2030-07 | 3560.53 | 8.44 | 3552.10 | 0.00 |