贷款18.83万（公积金贷款）房贷，还款4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：18.83万
还款月数：4年4个月
每月还款：3852.86元
利息总额：1.21万
本息合计：20.03万
| 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 | 3852.86 | 447.12 | 3405.74 | 184855.32 |
| 2 | 2026-04 | 3852.86 | 439.03 | 3413.83 | 181441.50 |
| 3 | 2026-05 | 3852.86 | 430.92 | 3421.93 | 178019.56 |
| 4 | 2026-06 | 3852.86 | 422.80 | 3430.06 | 174589.50 |
| 5 | 2026-07 | 3852.86 | 414.65 | 3438.21 | 171151.29 |
| 6 | 2026-08 | 3852.86 | 406.48 | 3446.37 | 167704.92 |
| 7 | 2026-09 | 3852.86 | 398.30 | 3454.56 | 164250.36 |
| 8 | 2026-10 | 3852.86 | 390.09 | 3462.76 | 160787.60 |
| 9 | 2026-11 | 3852.86 | 381.87 | 3470.99 | 157316.61 |
| 10 | 2026-12 | 3852.86 | 373.63 | 3479.23 | 153837.38 |
| 11 | 2027-01 | 3852.86 | 365.36 | 3487.49 | 150349.89 |
| 12 | 2027-02 | 3852.86 | 357.08 | 3495.78 | 146854.11 |
| 13 | 2027-03 | 3852.86 | 348.78 | 3504.08 | 143350.03 |
| 14 | 2027-04 | 3852.86 | 340.46 | 3512.40 | 139837.63 |
| 15 | 2027-05 | 3852.86 | 332.11 | 3520.74 | 136316.89 |
| 16 | 2027-06 | 3852.86 | 323.75 | 3529.10 | 132787.78 |
| 17 | 2027-07 | 3852.86 | 315.37 | 3537.49 | 129250.30 |
| 18 | 2027-08 | 3852.86 | 306.97 | 3545.89 | 125704.41 |
| 19 | 2027-09 | 3852.86 | 298.55 | 3554.31 | 122150.10 |
| 20 | 2027-10 | 3852.86 | 290.11 | 3562.75 | 118587.35 |
| 21 | 2027-11 | 3852.86 | 281.64 | 3571.21 | 115016.14 |
| 22 | 2027-12 | 3852.86 | 273.16 | 3579.69 | 111436.44 |
| 23 | 2028-01 | 3852.86 | 264.66 | 3588.20 | 107848.25 |
| 24 | 2028-02 | 3852.86 | 256.14 | 3596.72 | 104251.53 |
| 25 | 2028-03 | 3852.86 | 247.60 | 3605.26 | 100646.27 |
| 26 | 2028-04 | 3852.86 | 239.03 | 3613.82 | 97032.44 |
| 27 | 2028-05 | 3852.86 | 230.45 | 3622.41 | 93410.04 |
| 28 | 2028-06 | 3852.86 | 221.85 | 3631.01 | 89779.03 |
| 29 | 2028-07 | 3852.86 | 213.23 | 3639.63 | 86139.40 |
| 30 | 2028-08 | 3852.86 | 204.58 | 3648.28 | 82491.12 |
| 31 | 2028-09 | 3852.86 | 195.92 | 3656.94 | 78834.18 |
| 32 | 2028-10 | 3852.86 | 187.23 | 3665.63 | 75168.55 |
| 33 | 2028-11 | 3852.86 | 178.53 | 3674.33 | 71494.22 |
| 34 | 2028-12 | 3852.86 | 169.80 | 3683.06 | 67811.16 |
| 35 | 2029-01 | 3852.86 | 161.05 | 3691.81 | 64119.36 |
| 36 | 2029-02 | 3852.86 | 152.28 | 3700.57 | 60418.78 |
| 37 | 2029-03 | 3852.86 | 143.49 | 3709.36 | 56709.42 |
| 38 | 2029-04 | 3852.86 | 134.68 | 3718.17 | 52991.25 |
| 39 | 2029-05 | 3852.86 | 125.85 | 3727.00 | 49264.24 |
| 40 | 2029-06 | 3852.86 | 117.00 | 3735.85 | 45528.39 |
| 41 | 2029-07 | 3852.86 | 108.13 | 3744.73 | 41783.66 |
| 42 | 2029-08 | 3852.86 | 99.24 | 3753.62 | 38030.04 |
| 43 | 2029-09 | 3852.86 | 90.32 | 3762.54 | 34267.50 |
| 44 | 2029-10 | 3852.86 | 81.39 | 3771.47 | 30496.03 |
| 45 | 2029-11 | 3852.86 | 72.43 | 3780.43 | 26715.60 |
| 46 | 2029-12 | 3852.86 | 63.45 | 3789.41 | 22926.19 |
| 47 | 2030-01 | 3852.86 | 54.45 | 3798.41 | 19127.79 |
| 48 | 2030-02 | 3852.86 | 45.43 | 3807.43 | 15320.36 |
| 49 | 2030-03 | 3852.86 | 36.39 | 3816.47 | 11503.89 |
| 50 | 2030-04 | 3852.86 | 27.32 | 3825.54 | 7678.35 |
| 51 | 2030-05 | 3852.86 | 18.24 | 3834.62 | 3843.73 |
| 52 | 2030-06 | 3852.86 | 9.13 | 3843.73 | 0.00 |
等额本金还款方式：
贷款总额：18.83万
还款月数：4年4个月
首月还款：4067.53元
每月递减：8.6元
利息总额：1.18万
本息合计：20.01万
节省利息：238.85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 | 4067.53 | 447.12 | 3620.40 | 184640.65 |
| 2 | 2026-04 | 4058.93 | 438.52 | 3620.40 | 181020.25 |
| 3 | 2026-05 | 4050.33 | 429.92 | 3620.40 | 177399.85 |
| 4 | 2026-06 | 4041.73 | 421.32 | 3620.40 | 173779.44 |
| 5 | 2026-07 | 4033.13 | 412.73 | 3620.40 | 170159.04 |
| 6 | 2026-08 | 4024.53 | 404.13 | 3620.40 | 166538.63 |
| 7 | 2026-09 | 4015.93 | 395.53 | 3620.40 | 162918.23 |
| 8 | 2026-10 | 4007.34 | 386.93 | 3620.40 | 159297.82 |
| 9 | 2026-11 | 3998.74 | 378.33 | 3620.40 | 155677.42 |
| 10 | 2026-12 | 3990.14 | 369.73 | 3620.40 | 152057.01 |
| 11 | 2027-01 | 3981.54 | 361.14 | 3620.40 | 148436.61 |
| 12 | 2027-02 | 3972.94 | 352.54 | 3620.40 | 144816.20 |
| 13 | 2027-03 | 3964.34 | 343.94 | 3620.40 | 141195.79 |
| 14 | 2027-04 | 3955.75 | 335.34 | 3620.40 | 137575.39 |
| 15 | 2027-05 | 3947.15 | 326.74 | 3620.40 | 133954.98 |
| 16 | 2027-06 | 3938.55 | 318.14 | 3620.40 | 130334.58 |
| 17 | 2027-07 | 3929.95 | 309.54 | 3620.40 | 126714.18 |
| 18 | 2027-08 | 3921.35 | 300.95 | 3620.40 | 123093.77 |
| 19 | 2027-09 | 3912.75 | 292.35 | 3620.40 | 119473.37 |
| 20 | 2027-10 | 3904.15 | 283.75 | 3620.40 | 115852.96 |
| 21 | 2027-11 | 3895.56 | 275.15 | 3620.40 | 112232.56 |
| 22 | 2027-12 | 3886.96 | 266.55 | 3620.40 | 108612.15 |
| 23 | 2028-01 | 3878.36 | 257.95 | 3620.40 | 104991.75 |
| 24 | 2028-02 | 3869.76 | 249.36 | 3620.40 | 101371.34 |
| 25 | 2028-03 | 3861.16 | 240.76 | 3620.40 | 97750.93 |
| 26 | 2028-04 | 3852.56 | 232.16 | 3620.40 | 94130.53 |
| 27 | 2028-05 | 3843.97 | 223.56 | 3620.40 | 90510.13 |
| 28 | 2028-06 | 3835.37 | 214.96 | 3620.40 | 86889.72 |
| 29 | 2028-07 | 3826.77 | 206.36 | 3620.40 | 83269.32 |
| 30 | 2028-08 | 3818.17 | 197.76 | 3620.40 | 79648.91 |
| 31 | 2028-09 | 3809.57 | 189.17 | 3620.40 | 76028.51 |
| 32 | 2028-10 | 3800.97 | 180.57 | 3620.40 | 72408.10 |
| 33 | 2028-11 | 3792.37 | 171.97 | 3620.40 | 68787.70 |
| 34 | 2028-12 | 3783.78 | 163.37 | 3620.40 | 65167.29 |
| 35 | 2029-01 | 3775.18 | 154.77 | 3620.40 | 61546.89 |
| 36 | 2029-02 | 3766.58 | 146.17 | 3620.40 | 57926.48 |
| 37 | 2029-03 | 3757.98 | 137.58 | 3620.40 | 54306.08 |
| 38 | 2029-04 | 3749.38 | 128.98 | 3620.40 | 50685.67 |
| 39 | 2029-05 | 3740.78 | 120.38 | 3620.40 | 47065.27 |
| 40 | 2029-06 | 3732.19 | 111.78 | 3620.40 | 43444.86 |
| 41 | 2029-07 | 3723.59 | 103.18 | 3620.40 | 39824.46 |
| 42 | 2029-08 | 3714.99 | 94.58 | 3620.40 | 36204.05 |
| 43 | 2029-09 | 3706.39 | 85.98 | 3620.40 | 32583.65 |
| 44 | 2029-10 | 3697.79 | 77.39 | 3620.40 | 28963.24 |
| 45 | 2029-11 | 3689.19 | 68.79 | 3620.40 | 25342.84 |
| 46 | 2029-12 | 3680.59 | 60.19 | 3620.40 | 21722.43 |
| 47 | 2030-01 | 3672.00 | 51.59 | 3620.40 | 18102.03 |
| 48 | 2030-02 | 3663.40 | 42.99 | 3620.40 | 14481.62 |
| 49 | 2030-03 | 3654.80 | 34.39 | 3620.40 | 10861.21 |
| 50 | 2030-04 | 3646.20 | 25.80 | 3620.40 | 7240.81 |
| 51 | 2030-05 | 3637.60 | 17.20 | 3620.40 | 3620.40 |
| 52 | 2030-06 | 3629.00 | 8.60 | 3620.40 | 0.00 |