贷款18.83万（公积金贷款）房贷，还款4年3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3个月
每月还款：3923.84元
利息总额：1.19万
本息合计：20.01万
| 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 | 3923.84 | 447.12 | 3476.72 | 184784.34 |
| 2 | 2026-04 | 3923.84 | 438.86 | 3484.98 | 181299.36 |
| 3 | 2026-05 | 3923.84 | 430.59 | 3493.26 | 177806.10 |
| 4 | 2026-06 | 3923.84 | 422.29 | 3501.55 | 174304.55 |
| 5 | 2026-07 | 3923.84 | 413.97 | 3509.87 | 170794.68 |
| 6 | 2026-08 | 3923.84 | 405.64 | 3518.20 | 167276.48 |
| 7 | 2026-09 | 3923.84 | 397.28 | 3526.56 | 163749.92 |
| 8 | 2026-10 | 3923.84 | 388.91 | 3534.94 | 160214.98 |
| 9 | 2026-11 | 3923.84 | 380.51 | 3543.33 | 156671.65 |
| 10 | 2026-12 | 3923.84 | 372.10 | 3551.75 | 153119.90 |
| 11 | 2027-01 | 3923.84 | 363.66 | 3560.18 | 149559.72 |
| 12 | 2027-02 | 3923.84 | 355.20 | 3568.64 | 145991.08 |
| 13 | 2027-03 | 3923.84 | 346.73 | 3577.11 | 142413.97 |
| 14 | 2027-04 | 3923.84 | 338.23 | 3585.61 | 138828.36 |
| 15 | 2027-05 | 3923.84 | 329.72 | 3594.12 | 135234.24 |
| 16 | 2027-06 | 3923.84 | 321.18 | 3602.66 | 131631.58 |
| 17 | 2027-07 | 3923.84 | 312.62 | 3611.22 | 128020.36 |
| 18 | 2027-08 | 3923.84 | 304.05 | 3619.79 | 124400.57 |
| 19 | 2027-09 | 3923.84 | 295.45 | 3628.39 | 120772.18 |
| 20 | 2027-10 | 3923.84 | 286.83 | 3637.01 | 117135.17 |
| 21 | 2027-11 | 3923.84 | 278.20 | 3645.65 | 113489.52 |
| 22 | 2027-12 | 3923.84 | 269.54 | 3654.30 | 109835.22 |
| 23 | 2028-01 | 3923.84 | 260.86 | 3662.98 | 106172.24 |
| 24 | 2028-02 | 3923.84 | 252.16 | 3671.68 | 102500.55 |
| 25 | 2028-03 | 3923.84 | 243.44 | 3680.40 | 98820.15 |
| 26 | 2028-04 | 3923.84 | 234.70 | 3689.14 | 95131.01 |
| 27 | 2028-05 | 3923.84 | 225.94 | 3697.91 | 91433.10 |
| 28 | 2028-06 | 3923.84 | 217.15 | 3706.69 | 87726.41 |
| 29 | 2028-07 | 3923.84 | 208.35 | 3715.49 | 84010.92 |
| 30 | 2028-08 | 3923.84 | 199.53 | 3724.32 | 80286.61 |
| 31 | 2028-09 | 3923.84 | 190.68 | 3733.16 | 76553.44 |
| 32 | 2028-10 | 3923.84 | 181.81 | 3742.03 | 72811.42 |
| 33 | 2028-11 | 3923.84 | 172.93 | 3750.91 | 69060.50 |
| 34 | 2028-12 | 3923.84 | 164.02 | 3759.82 | 65300.68 |
| 35 | 2029-01 | 3923.84 | 155.09 | 3768.75 | 61531.93 |
| 36 | 2029-02 | 3923.84 | 146.14 | 3777.70 | 57754.22 |
| 37 | 2029-03 | 3923.84 | 137.17 | 3786.68 | 53967.55 |
| 38 | 2029-04 | 3923.84 | 128.17 | 3795.67 | 50171.88 |
| 39 | 2029-05 | 3923.84 | 119.16 | 3804.68 | 46367.20 |
| 40 | 2029-06 | 3923.84 | 110.12 | 3813.72 | 42553.48 |
| 41 | 2029-07 | 3923.84 | 101.06 | 3822.78 | 38730.70 |
| 42 | 2029-08 | 3923.84 | 91.99 | 3831.86 | 34898.84 |
| 43 | 2029-09 | 3923.84 | 82.88 | 3840.96 | 31057.88 |
| 44 | 2029-10 | 3923.84 | 73.76 | 3850.08 | 27207.81 |
| 45 | 2029-11 | 3923.84 | 64.62 | 3859.22 | 23348.58 |
| 46 | 2029-12 | 3923.84 | 55.45 | 3868.39 | 19480.19 |
| 47 | 2030-01 | 3923.84 | 46.27 | 3877.58 | 15602.62 |
| 48 | 2030-02 | 3923.84 | 37.06 | 3886.79 | 11715.83 |
| 49 | 2030-03 | 3923.84 | 27.83 | 3896.02 | 7819.81 |
| 50 | 2030-04 | 3923.84 | 18.57 | 3905.27 | 3914.54 |
| 51 | 2030-05 | 3923.84 | 9.30 | 3914.54 | 0.00 |
等额本金还款方式：
贷款总额：18.83万
还款月数：4年3个月
首月还款：4138.51元
每月递减：8.77元
利息总额：1.16万
本息合计：19.99万
节省利息：229.75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 | 4138.51 | 447.12 | 3691.39 | 184569.67 |
| 2 | 2026-04 | 4129.75 | 438.35 | 3691.39 | 180878.27 |
| 3 | 2026-05 | 4120.98 | 429.59 | 3691.39 | 177186.88 |
| 4 | 2026-06 | 4112.21 | 420.82 | 3691.39 | 173495.49 |
| 5 | 2026-07 | 4103.45 | 412.05 | 3691.39 | 169804.09 |
| 6 | 2026-08 | 4094.68 | 403.28 | 3691.39 | 166112.70 |
| 7 | 2026-09 | 4085.91 | 394.52 | 3691.39 | 162421.31 |
| 8 | 2026-10 | 4077.14 | 385.75 | 3691.39 | 158729.91 |
| 9 | 2026-11 | 4068.38 | 376.98 | 3691.39 | 155038.52 |
| 10 | 2026-12 | 4059.61 | 368.22 | 3691.39 | 151347.13 |
| 11 | 2027-01 | 4050.84 | 359.45 | 3691.39 | 147655.73 |
| 12 | 2027-02 | 4042.08 | 350.68 | 3691.39 | 143964.34 |
| 13 | 2027-03 | 4033.31 | 341.92 | 3691.39 | 140272.95 |
| 14 | 2027-04 | 4024.54 | 333.15 | 3691.39 | 136581.55 |
| 15 | 2027-05 | 4015.77 | 324.38 | 3691.39 | 132890.16 |
| 16 | 2027-06 | 4007.01 | 315.61 | 3691.39 | 129198.77 |
| 17 | 2027-07 | 3998.24 | 306.85 | 3691.39 | 125507.37 |
| 18 | 2027-08 | 3989.47 | 298.08 | 3691.39 | 121815.98 |
| 19 | 2027-09 | 3980.71 | 289.31 | 3691.39 | 118124.59 |
| 20 | 2027-10 | 3971.94 | 280.55 | 3691.39 | 114433.19 |
| 21 | 2027-11 | 3963.17 | 271.78 | 3691.39 | 110741.80 |
| 22 | 2027-12 | 3954.41 | 263.01 | 3691.39 | 107050.41 |
| 23 | 2028-01 | 3945.64 | 254.24 | 3691.39 | 103359.01 |
| 24 | 2028-02 | 3936.87 | 245.48 | 3691.39 | 99667.62 |
| 25 | 2028-03 | 3928.10 | 236.71 | 3691.39 | 95976.23 |
| 26 | 2028-04 | 3919.34 | 227.94 | 3691.39 | 92284.83 |
| 27 | 2028-05 | 3910.57 | 219.18 | 3691.39 | 88593.44 |
| 28 | 2028-06 | 3901.80 | 210.41 | 3691.39 | 84902.05 |
| 29 | 2028-07 | 3893.04 | 201.64 | 3691.39 | 81210.65 |
| 30 | 2028-08 | 3884.27 | 192.88 | 3691.39 | 77519.26 |
| 31 | 2028-09 | 3875.50 | 184.11 | 3691.39 | 73827.87 |
| 32 | 2028-10 | 3866.73 | 175.34 | 3691.39 | 70136.47 |
| 33 | 2028-11 | 3857.97 | 166.57 | 3691.39 | 66445.08 |
| 34 | 2028-12 | 3849.20 | 157.81 | 3691.39 | 62753.69 |
| 35 | 2029-01 | 3840.43 | 149.04 | 3691.39 | 59062.29 |
| 36 | 2029-02 | 3831.67 | 140.27 | 3691.39 | 55370.90 |
| 37 | 2029-03 | 3822.90 | 131.51 | 3691.39 | 51679.51 |
| 38 | 2029-04 | 3814.13 | 122.74 | 3691.39 | 47988.11 |
| 39 | 2029-05 | 3805.37 | 113.97 | 3691.39 | 44296.72 |
| 40 | 2029-06 | 3796.60 | 105.20 | 3691.39 | 40605.33 |
| 41 | 2029-07 | 3787.83 | 96.44 | 3691.39 | 36913.93 |
| 42 | 2029-08 | 3779.06 | 87.67 | 3691.39 | 33222.54 |
| 43 | 2029-09 | 3770.30 | 78.90 | 3691.39 | 29531.15 |
| 44 | 2029-10 | 3761.53 | 70.14 | 3691.39 | 25839.75 |
| 45 | 2029-11 | 3752.76 | 61.37 | 3691.39 | 22148.36 |
| 46 | 2029-12 | 3744.00 | 52.60 | 3691.39 | 18456.97 |
| 47 | 2030-01 | 3735.23 | 43.84 | 3691.39 | 14765.57 |
| 48 | 2030-02 | 3726.46 | 35.07 | 3691.39 | 11074.18 |
| 49 | 2030-03 | 3717.69 | 26.30 | 3691.39 | 7382.79 |
| 50 | 2030-04 | 3708.93 | 17.53 | 3691.39 | 3691.39 |
| 51 | 2030-05 | 3700.16 | 8.77 | 3691.39 | 0.00 |