贷款16.84万（公积金贷款）房贷，还款4年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
每月还款：3717.12元
利息总额：9983.12元
本息合计：17.84万
| 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 | 3717.12 | 400.04 | 3317.08 | 165121.74 |
| 2 | 2026-03 | 3717.12 | 392.16 | 3324.96 | 161796.78 |
| 3 | 2026-04 | 3717.12 | 384.27 | 3332.86 | 158463.92 |
| 4 | 2026-05 | 3717.12 | 376.35 | 3340.77 | 155123.15 |
| 5 | 2026-06 | 3717.12 | 368.42 | 3348.71 | 151774.44 |
| 6 | 2026-07 | 3717.12 | 360.46 | 3356.66 | 148417.78 |
| 7 | 2026-08 | 3717.12 | 352.49 | 3364.63 | 145053.15 |
| 8 | 2026-09 | 3717.12 | 344.50 | 3372.62 | 141680.53 |
| 9 | 2026-10 | 3717.12 | 336.49 | 3380.63 | 138299.90 |
| 10 | 2026-11 | 3717.12 | 328.46 | 3388.66 | 134911.24 |
| 11 | 2026-12 | 3717.12 | 320.41 | 3396.71 | 131514.53 |
| 12 | 2027-01 | 3717.12 | 312.35 | 3404.78 | 128109.75 |
| 13 | 2027-02 | 3717.12 | 304.26 | 3412.86 | 124696.89 |
| 14 | 2027-03 | 3717.12 | 296.16 | 3420.97 | 121275.92 |
| 15 | 2027-04 | 3717.12 | 288.03 | 3429.09 | 117846.83 |
| 16 | 2027-05 | 3717.12 | 279.89 | 3437.24 | 114409.59 |
| 17 | 2027-06 | 3717.12 | 271.72 | 3445.40 | 110964.19 |
| 18 | 2027-07 | 3717.12 | 263.54 | 3453.58 | 107510.60 |
| 19 | 2027-08 | 3717.12 | 255.34 | 3461.79 | 104048.82 |
| 20 | 2027-09 | 3717.12 | 247.12 | 3470.01 | 100578.81 |
| 21 | 2027-10 | 3717.12 | 238.87 | 3478.25 | 97100.56 |
| 22 | 2027-11 | 3717.12 | 230.61 | 3486.51 | 93614.05 |
| 23 | 2027-12 | 3717.12 | 222.33 | 3494.79 | 90119.26 |
| 24 | 2028-01 | 3717.12 | 214.03 | 3503.09 | 86616.17 |
| 25 | 2028-02 | 3717.12 | 205.71 | 3511.41 | 83104.76 |
| 26 | 2028-03 | 3717.12 | 197.37 | 3519.75 | 79585.01 |
| 27 | 2028-04 | 3717.12 | 189.01 | 3528.11 | 76056.90 |
| 28 | 2028-05 | 3717.12 | 180.64 | 3536.49 | 72520.41 |
| 29 | 2028-06 | 3717.12 | 172.24 | 3544.89 | 68975.52 |
| 30 | 2028-07 | 3717.12 | 163.82 | 3553.31 | 65422.22 |
| 31 | 2028-08 | 3717.12 | 155.38 | 3561.75 | 61860.47 |
| 32 | 2028-09 | 3717.12 | 146.92 | 3570.21 | 58290.27 |
| 33 | 2028-10 | 3717.12 | 138.44 | 3578.68 | 54711.58 |
| 34 | 2028-11 | 3717.12 | 129.94 | 3587.18 | 51124.40 |
| 35 | 2028-12 | 3717.12 | 121.42 | 3595.70 | 47528.69 |
| 36 | 2029-01 | 3717.12 | 112.88 | 3604.24 | 43924.45 |
| 37 | 2029-02 | 3717.12 | 104.32 | 3612.80 | 40311.65 |
| 38 | 2029-03 | 3717.12 | 95.74 | 3621.38 | 36690.27 |
| 39 | 2029-04 | 3717.12 | 87.14 | 3629.98 | 33060.28 |
| 40 | 2029-05 | 3717.12 | 78.52 | 3638.61 | 29421.68 |
| 41 | 2029-06 | 3717.12 | 69.88 | 3647.25 | 25774.43 |
| 42 | 2029-07 | 3717.12 | 61.21 | 3655.91 | 22118.52 |
| 43 | 2029-08 | 3717.12 | 52.53 | 3664.59 | 18453.93 |
| 44 | 2029-09 | 3717.12 | 43.83 | 3673.30 | 14780.63 |
| 45 | 2029-10 | 3717.12 | 35.10 | 3682.02 | 11098.61 |
| 46 | 2029-11 | 3717.12 | 26.36 | 3690.76 | 7407.85 |
| 47 | 2029-12 | 3717.12 | 17.59 | 3699.53 | 3708.32 |
| 48 | 2030-01 | 3717.12 | 8.81 | 3708.32 | 0.00 |
等额本金还款方式：
贷款总额：16.84万
还款月数：4年
首月还款：3909.18元
每月递减：8.33元
利息总额：9801.03元
本息合计：17.82万
节省利息：182.08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 | 3909.18 | 400.04 | 3509.14 | 164929.68 |
| 2 | 2026-03 | 3900.85 | 391.71 | 3509.14 | 161420.54 |
| 3 | 2026-04 | 3892.52 | 383.37 | 3509.14 | 157911.39 |
| 4 | 2026-05 | 3884.18 | 375.04 | 3509.14 | 154402.25 |
| 5 | 2026-06 | 3875.85 | 366.71 | 3509.14 | 150893.11 |
| 6 | 2026-07 | 3867.51 | 358.37 | 3509.14 | 147383.97 |
| 7 | 2026-08 | 3859.18 | 350.04 | 3509.14 | 143874.83 |
| 8 | 2026-09 | 3850.84 | 341.70 | 3509.14 | 140365.68 |
| 9 | 2026-10 | 3842.51 | 333.37 | 3509.14 | 136856.54 |
| 10 | 2026-11 | 3834.18 | 325.03 | 3509.14 | 133347.40 |
| 11 | 2026-12 | 3825.84 | 316.70 | 3509.14 | 129838.26 |
| 12 | 2027-01 | 3817.51 | 308.37 | 3509.14 | 126329.12 |
| 13 | 2027-02 | 3809.17 | 300.03 | 3509.14 | 122819.97 |
| 14 | 2027-03 | 3800.84 | 291.70 | 3509.14 | 119310.83 |
| 15 | 2027-04 | 3792.51 | 283.36 | 3509.14 | 115801.69 |
| 16 | 2027-05 | 3784.17 | 275.03 | 3509.14 | 112292.55 |
| 17 | 2027-06 | 3775.84 | 266.69 | 3509.14 | 108783.40 |
| 18 | 2027-07 | 3767.50 | 258.36 | 3509.14 | 105274.26 |
| 19 | 2027-08 | 3759.17 | 250.03 | 3509.14 | 101765.12 |
| 20 | 2027-09 | 3750.83 | 241.69 | 3509.14 | 98255.98 |
| 21 | 2027-10 | 3742.50 | 233.36 | 3509.14 | 94746.84 |
| 22 | 2027-11 | 3734.17 | 225.02 | 3509.14 | 91237.69 |
| 23 | 2027-12 | 3725.83 | 216.69 | 3509.14 | 87728.55 |
| 24 | 2028-01 | 3717.50 | 208.36 | 3509.14 | 84219.41 |
| 25 | 2028-02 | 3709.16 | 200.02 | 3509.14 | 80710.27 |
| 26 | 2028-03 | 3700.83 | 191.69 | 3509.14 | 77201.13 |
| 27 | 2028-04 | 3692.49 | 183.35 | 3509.14 | 73691.98 |
| 28 | 2028-05 | 3684.16 | 175.02 | 3509.14 | 70182.84 |
| 29 | 2028-06 | 3675.83 | 166.68 | 3509.14 | 66673.70 |
| 30 | 2028-07 | 3667.49 | 158.35 | 3509.14 | 63164.56 |
| 31 | 2028-08 | 3659.16 | 150.02 | 3509.14 | 59655.42 |
| 32 | 2028-09 | 3650.82 | 141.68 | 3509.14 | 56146.27 |
| 33 | 2028-10 | 3642.49 | 133.35 | 3509.14 | 52637.13 |
| 34 | 2028-11 | 3634.16 | 125.01 | 3509.14 | 49127.99 |
| 35 | 2028-12 | 3625.82 | 116.68 | 3509.14 | 45618.85 |
| 36 | 2029-01 | 3617.49 | 108.34 | 3509.14 | 42109.71 |
| 37 | 2029-02 | 3609.15 | 100.01 | 3509.14 | 38600.56 |
| 38 | 2029-03 | 3600.82 | 91.68 | 3509.14 | 35091.42 |
| 39 | 2029-04 | 3592.48 | 83.34 | 3509.14 | 31582.28 |
| 40 | 2029-05 | 3584.15 | 75.01 | 3509.14 | 28073.14 |
| 41 | 2029-06 | 3575.82 | 66.67 | 3509.14 | 24563.99 |
| 42 | 2029-07 | 3567.48 | 58.34 | 3509.14 | 21054.85 |
| 43 | 2029-08 | 3559.15 | 50.01 | 3509.14 | 17545.71 |
| 44 | 2029-09 | 3550.81 | 41.67 | 3509.14 | 14036.57 |
| 45 | 2029-10 | 3542.48 | 33.34 | 3509.14 | 10527.43 |
| 46 | 2029-11 | 3534.14 | 25.00 | 3509.14 | 7018.28 |
| 47 | 2029-12 | 3525.81 | 16.67 | 3509.14 | 3509.14 |
| 48 | 2030-01 | 3517.48 | 8.33 | 3509.14 | 0.00 |