贷款16.84万（公积金贷款）房贷，还款3年9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：16.84万
还款月数：3年9个月
每月还款：3951.11元
利息总额：9361元
本息合计：17.78万
| 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 | 3951.11 | 400.04 | 3551.06 | 164887.76 |
| 2 | 2026-03 | 3951.11 | 391.61 | 3559.50 | 161328.26 |
| 3 | 2026-04 | 3951.11 | 383.15 | 3567.95 | 157760.30 |
| 4 | 2026-05 | 3951.11 | 374.68 | 3576.43 | 154183.88 |
| 5 | 2026-06 | 3951.11 | 366.19 | 3584.92 | 150598.96 |
| 6 | 2026-07 | 3951.11 | 357.67 | 3593.43 | 147005.52 |
| 7 | 2026-08 | 3951.11 | 349.14 | 3601.97 | 143403.55 |
| 8 | 2026-09 | 3951.11 | 340.58 | 3610.52 | 139793.03 |
| 9 | 2026-10 | 3951.11 | 332.01 | 3619.10 | 136173.93 |
| 10 | 2026-11 | 3951.11 | 323.41 | 3627.69 | 132546.24 |
| 11 | 2026-12 | 3951.11 | 314.80 | 3636.31 | 128909.93 |
| 12 | 2027-01 | 3951.11 | 306.16 | 3644.95 | 125264.98 |
| 13 | 2027-02 | 3951.11 | 297.50 | 3653.60 | 121611.38 |
| 14 | 2027-03 | 3951.11 | 288.83 | 3662.28 | 117949.10 |
| 15 | 2027-04 | 3951.11 | 280.13 | 3670.98 | 114278.12 |
| 16 | 2027-05 | 3951.11 | 271.41 | 3679.70 | 110598.42 |
| 17 | 2027-06 | 3951.11 | 262.67 | 3688.44 | 106909.99 |
| 18 | 2027-07 | 3951.11 | 253.91 | 3697.20 | 103212.79 |
| 19 | 2027-08 | 3951.11 | 245.13 | 3705.98 | 99506.82 |
| 20 | 2027-09 | 3951.11 | 236.33 | 3714.78 | 95792.04 |
| 21 | 2027-10 | 3951.11 | 227.51 | 3723.60 | 92068.44 |
| 22 | 2027-11 | 3951.11 | 218.66 | 3732.44 | 88335.99 |
| 23 | 2027-12 | 3951.11 | 209.80 | 3741.31 | 84594.68 |
| 24 | 2028-01 | 3951.11 | 200.91 | 3750.19 | 80844.49 |
| 25 | 2028-02 | 3951.11 | 192.01 | 3759.10 | 77085.39 |
| 26 | 2028-03 | 3951.11 | 183.08 | 3768.03 | 73317.36 |
| 27 | 2028-04 | 3951.11 | 174.13 | 3776.98 | 69540.38 |
| 28 | 2028-05 | 3951.11 | 165.16 | 3785.95 | 65754.43 |
| 29 | 2028-06 | 3951.11 | 156.17 | 3794.94 | 61959.49 |
| 30 | 2028-07 | 3951.11 | 147.15 | 3803.95 | 58155.54 |
| 31 | 2028-08 | 3951.11 | 138.12 | 3812.99 | 54342.55 |
| 32 | 2028-09 | 3951.11 | 129.06 | 3822.04 | 50520.50 |
| 33 | 2028-10 | 3951.11 | 119.99 | 3831.12 | 46689.38 |
| 34 | 2028-11 | 3951.11 | 110.89 | 3840.22 | 42849.16 |
| 35 | 2028-12 | 3951.11 | 101.77 | 3849.34 | 38999.82 |
| 36 | 2029-01 | 3951.11 | 92.62 | 3858.48 | 35141.34 |
| 37 | 2029-02 | 3951.11 | 83.46 | 3867.65 | 31273.69 |
| 38 | 2029-03 | 3951.11 | 74.28 | 3876.83 | 27396.86 |
| 39 | 2029-04 | 3951.11 | 65.07 | 3886.04 | 23510.82 |
| 40 | 2029-05 | 3951.11 | 55.84 | 3895.27 | 19615.55 |
| 41 | 2029-06 | 3951.11 | 46.59 | 3904.52 | 15711.03 |
| 42 | 2029-07 | 3951.11 | 37.31 | 3913.79 | 11797.24 |
| 43 | 2029-08 | 3951.11 | 28.02 | 3923.09 | 7874.15 |
| 44 | 2029-09 | 3951.11 | 18.70 | 3932.41 | 3941.75 |
| 45 | 2029-10 | 3951.11 | 9.36 | 3941.75 | 0.00 |
等额本金还款方式：
贷款总额：16.84万
还款月数：3年9个月
首月还款：4143.13元
每月递减：8.89元
利息总额：9200.97元
本息合计：17.76万
节省利息：160.03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 | 4143.13 | 400.04 | 3743.08 | 164695.74 |
| 2 | 2026-03 | 4134.24 | 391.15 | 3743.08 | 160952.65 |
| 3 | 2026-04 | 4125.35 | 382.26 | 3743.08 | 157209.57 |
| 4 | 2026-05 | 4116.46 | 373.37 | 3743.08 | 153466.48 |
| 5 | 2026-06 | 4107.57 | 364.48 | 3743.08 | 149723.40 |
| 6 | 2026-07 | 4098.68 | 355.59 | 3743.08 | 145980.31 |
| 7 | 2026-08 | 4089.79 | 346.70 | 3743.08 | 142237.23 |
| 8 | 2026-09 | 4080.90 | 337.81 | 3743.08 | 138494.14 |
| 9 | 2026-10 | 4072.01 | 328.92 | 3743.08 | 134751.06 |
| 10 | 2026-11 | 4063.12 | 320.03 | 3743.08 | 131007.97 |
| 11 | 2026-12 | 4054.23 | 311.14 | 3743.08 | 127264.89 |
| 12 | 2027-01 | 4045.34 | 302.25 | 3743.08 | 123521.80 |
| 13 | 2027-02 | 4036.45 | 293.36 | 3743.08 | 119778.72 |
| 14 | 2027-03 | 4027.56 | 284.47 | 3743.08 | 116035.63 |
| 15 | 2027-04 | 4018.67 | 275.58 | 3743.08 | 112292.55 |
| 16 | 2027-05 | 4009.78 | 266.69 | 3743.08 | 108549.46 |
| 17 | 2027-06 | 4000.89 | 257.80 | 3743.08 | 104806.38 |
| 18 | 2027-07 | 3992.00 | 248.92 | 3743.08 | 101063.29 |
| 19 | 2027-08 | 3983.11 | 240.03 | 3743.08 | 97320.21 |
| 20 | 2027-09 | 3974.22 | 231.14 | 3743.08 | 93577.12 |
| 21 | 2027-10 | 3965.33 | 222.25 | 3743.08 | 89834.04 |
| 22 | 2027-11 | 3956.44 | 213.36 | 3743.08 | 86090.95 |
| 23 | 2027-12 | 3947.55 | 204.47 | 3743.08 | 82347.87 |
| 24 | 2028-01 | 3938.66 | 195.58 | 3743.08 | 78604.78 |
| 25 | 2028-02 | 3929.77 | 186.69 | 3743.08 | 74861.70 |
| 26 | 2028-03 | 3920.88 | 177.80 | 3743.08 | 71118.61 |
| 27 | 2028-04 | 3911.99 | 168.91 | 3743.08 | 67375.53 |
| 28 | 2028-05 | 3903.10 | 160.02 | 3743.08 | 63632.44 |
| 29 | 2028-06 | 3894.21 | 151.13 | 3743.08 | 59889.36 |
| 30 | 2028-07 | 3885.32 | 142.24 | 3743.08 | 56146.27 |
| 31 | 2028-08 | 3876.43 | 133.35 | 3743.08 | 52403.19 |
| 32 | 2028-09 | 3867.54 | 124.46 | 3743.08 | 48660.10 |
| 33 | 2028-10 | 3858.65 | 115.57 | 3743.08 | 44917.02 |
| 34 | 2028-11 | 3849.76 | 106.68 | 3743.08 | 41173.93 |
| 35 | 2028-12 | 3840.87 | 97.79 | 3743.08 | 37430.85 |
| 36 | 2029-01 | 3831.98 | 88.90 | 3743.08 | 33687.76 |
| 37 | 2029-02 | 3823.09 | 80.01 | 3743.08 | 29944.68 |
| 38 | 2029-03 | 3814.20 | 71.12 | 3743.08 | 26201.59 |
| 39 | 2029-04 | 3805.31 | 62.23 | 3743.08 | 22458.51 |
| 40 | 2029-05 | 3796.42 | 53.34 | 3743.08 | 18715.42 |
| 41 | 2029-06 | 3787.53 | 44.45 | 3743.08 | 14972.34 |
| 42 | 2029-07 | 3778.64 | 35.56 | 3743.08 | 11229.25 |
| 43 | 2029-08 | 3769.75 | 26.67 | 3743.08 | 7486.17 |
| 44 | 2029-09 | 3760.86 | 17.78 | 3743.08 | 3743.08 |
| 45 | 2029-10 | 3751.97 | 8.89 | 3743.08 | 0.00 |