贷款16.93万（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：16.93万
还款月数：4年
每月还款：3735.78元
利息总额：1万
本息合计：17.93万
| 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 | 3735.78 | 402.05 | 3333.73 | 165950.52 |
| 2 | 2026-03 | 3735.78 | 394.13 | 3341.65 | 162608.87 |
| 3 | 2026-04 | 3735.78 | 386.20 | 3349.58 | 159259.29 |
| 4 | 2026-05 | 3735.78 | 378.24 | 3357.54 | 155901.75 |
| 5 | 2026-06 | 3735.78 | 370.27 | 3365.51 | 152536.23 |
| 6 | 2026-07 | 3735.78 | 362.27 | 3373.51 | 149162.73 |
| 7 | 2026-08 | 3735.78 | 354.26 | 3381.52 | 145781.21 |
| 8 | 2026-09 | 3735.78 | 346.23 | 3389.55 | 142391.66 |
| 9 | 2026-10 | 3735.78 | 338.18 | 3397.60 | 138994.05 |
| 10 | 2026-11 | 3735.78 | 330.11 | 3405.67 | 135588.39 |
| 11 | 2026-12 | 3735.78 | 322.02 | 3413.76 | 132174.63 |
| 12 | 2027-01 | 3735.78 | 313.91 | 3421.87 | 128752.76 |
| 13 | 2027-02 | 3735.78 | 305.79 | 3429.99 | 125322.77 |
| 14 | 2027-03 | 3735.78 | 297.64 | 3438.14 | 121884.63 |
| 15 | 2027-04 | 3735.78 | 289.48 | 3446.30 | 118438.32 |
| 16 | 2027-05 | 3735.78 | 281.29 | 3454.49 | 114983.83 |
| 17 | 2027-06 | 3735.78 | 273.09 | 3462.69 | 111521.14 |
| 18 | 2027-07 | 3735.78 | 264.86 | 3470.92 | 108050.22 |
| 19 | 2027-08 | 3735.78 | 256.62 | 3479.16 | 104571.06 |
| 20 | 2027-09 | 3735.78 | 248.36 | 3487.42 | 101083.64 |
| 21 | 2027-10 | 3735.78 | 240.07 | 3495.71 | 97587.93 |
| 22 | 2027-11 | 3735.78 | 231.77 | 3504.01 | 94083.92 |
| 23 | 2027-12 | 3735.78 | 223.45 | 3512.33 | 90571.59 |
| 24 | 2028-01 | 3735.78 | 215.11 | 3520.67 | 87050.91 |
| 25 | 2028-02 | 3735.78 | 206.75 | 3529.03 | 83521.88 |
| 26 | 2028-03 | 3735.78 | 198.36 | 3537.42 | 79984.46 |
| 27 | 2028-04 | 3735.78 | 189.96 | 3545.82 | 76438.65 |
| 28 | 2028-05 | 3735.78 | 181.54 | 3554.24 | 72884.41 |
| 29 | 2028-06 | 3735.78 | 173.10 | 3562.68 | 69321.73 |
| 30 | 2028-07 | 3735.78 | 164.64 | 3571.14 | 65750.59 |
| 31 | 2028-08 | 3735.78 | 156.16 | 3579.62 | 62170.96 |
| 32 | 2028-09 | 3735.78 | 147.66 | 3588.12 | 58582.84 |
| 33 | 2028-10 | 3735.78 | 139.13 | 3596.65 | 54986.19 |
| 34 | 2028-11 | 3735.78 | 130.59 | 3605.19 | 51381.00 |
| 35 | 2028-12 | 3735.78 | 122.03 | 3613.75 | 47767.25 |
| 36 | 2029-01 | 3735.78 | 113.45 | 3622.33 | 44144.92 |
| 37 | 2029-02 | 3735.78 | 104.84 | 3630.94 | 40513.98 |
| 38 | 2029-03 | 3735.78 | 96.22 | 3639.56 | 36874.42 |
| 39 | 2029-04 | 3735.78 | 87.58 | 3648.20 | 33226.22 |
| 40 | 2029-05 | 3735.78 | 78.91 | 3656.87 | 29569.35 |
| 41 | 2029-06 | 3735.78 | 70.23 | 3665.55 | 25903.80 |
| 42 | 2029-07 | 3735.78 | 61.52 | 3674.26 | 22229.54 |
| 43 | 2029-08 | 3735.78 | 52.80 | 3682.99 | 18546.55 |
| 44 | 2029-09 | 3735.78 | 44.05 | 3691.73 | 14854.82 |
| 45 | 2029-10 | 3735.78 | 35.28 | 3700.50 | 11154.32 |
| 46 | 2029-11 | 3735.78 | 26.49 | 3709.29 | 7445.03 |
| 47 | 2029-12 | 3735.78 | 17.68 | 3718.10 | 3726.93 |
| 48 | 2030-01 | 3735.78 | 8.85 | 3726.93 | 0.00 |
等额本金还款方式：
贷款总额：16.93万
还款月数：4年
首月还款：3928.81元
每月递减：8.38元
利息总额：9850.23元
本息合计：17.91万
节省利息：183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 | 3928.81 | 402.05 | 3526.76 | 165757.49 |
| 2 | 2026-03 | 3920.43 | 393.67 | 3526.76 | 162230.74 |
| 3 | 2026-04 | 3912.05 | 385.30 | 3526.76 | 158703.98 |
| 4 | 2026-05 | 3903.68 | 376.92 | 3526.76 | 155177.23 |
| 5 | 2026-06 | 3895.30 | 368.55 | 3526.76 | 151650.47 |
| 6 | 2026-07 | 3886.93 | 360.17 | 3526.76 | 148123.72 |
| 7 | 2026-08 | 3878.55 | 351.79 | 3526.76 | 144596.96 |
| 8 | 2026-09 | 3870.17 | 343.42 | 3526.76 | 141070.21 |
| 9 | 2026-10 | 3861.80 | 335.04 | 3526.76 | 137543.45 |
| 10 | 2026-11 | 3853.42 | 326.67 | 3526.76 | 134016.70 |
| 11 | 2026-12 | 3845.04 | 318.29 | 3526.76 | 130489.94 |
| 12 | 2027-01 | 3836.67 | 309.91 | 3526.76 | 126963.19 |
| 13 | 2027-02 | 3828.29 | 301.54 | 3526.76 | 123436.43 |
| 14 | 2027-03 | 3819.92 | 293.16 | 3526.76 | 119909.68 |
| 15 | 2027-04 | 3811.54 | 284.79 | 3526.76 | 116382.92 |
| 16 | 2027-05 | 3803.16 | 276.41 | 3526.76 | 112856.17 |
| 17 | 2027-06 | 3794.79 | 268.03 | 3526.76 | 109329.41 |
| 18 | 2027-07 | 3786.41 | 259.66 | 3526.76 | 105802.66 |
| 19 | 2027-08 | 3778.04 | 251.28 | 3526.76 | 102275.90 |
| 20 | 2027-09 | 3769.66 | 242.91 | 3526.76 | 98749.15 |
| 21 | 2027-10 | 3761.28 | 234.53 | 3526.76 | 95222.39 |
| 22 | 2027-11 | 3752.91 | 226.15 | 3526.76 | 91695.64 |
| 23 | 2027-12 | 3744.53 | 217.78 | 3526.76 | 88168.88 |
| 24 | 2028-01 | 3736.16 | 209.40 | 3526.76 | 84642.13 |
| 25 | 2028-02 | 3727.78 | 201.03 | 3526.76 | 81115.37 |
| 26 | 2028-03 | 3719.40 | 192.65 | 3526.76 | 77588.61 |
| 27 | 2028-04 | 3711.03 | 184.27 | 3526.76 | 74061.86 |
| 28 | 2028-05 | 3702.65 | 175.90 | 3526.76 | 70535.10 |
| 29 | 2028-06 | 3694.28 | 167.52 | 3526.76 | 67008.35 |
| 30 | 2028-07 | 3685.90 | 159.14 | 3526.76 | 63481.59 |
| 31 | 2028-08 | 3677.52 | 150.77 | 3526.76 | 59954.84 |
| 32 | 2028-09 | 3669.15 | 142.39 | 3526.76 | 56428.08 |
| 33 | 2028-10 | 3660.77 | 134.02 | 3526.76 | 52901.33 |
| 34 | 2028-11 | 3652.40 | 125.64 | 3526.76 | 49374.57 |
| 35 | 2028-12 | 3644.02 | 117.26 | 3526.76 | 45847.82 |
| 36 | 2029-01 | 3635.64 | 108.89 | 3526.76 | 42321.06 |
| 37 | 2029-02 | 3627.27 | 100.51 | 3526.76 | 38794.31 |
| 38 | 2029-03 | 3618.89 | 92.14 | 3526.76 | 35267.55 |
| 39 | 2029-04 | 3610.52 | 83.76 | 3526.76 | 31740.80 |
| 40 | 2029-05 | 3602.14 | 75.38 | 3526.76 | 28214.04 |
| 41 | 2029-06 | 3593.76 | 67.01 | 3526.76 | 24687.29 |
| 42 | 2029-07 | 3585.39 | 58.63 | 3526.76 | 21160.53 |
| 43 | 2029-08 | 3577.01 | 50.26 | 3526.76 | 17633.78 |
| 44 | 2029-09 | 3568.64 | 41.88 | 3526.76 | 14107.02 |
| 45 | 2029-10 | 3560.26 | 33.50 | 3526.76 | 10580.27 |
| 46 | 2029-11 | 3551.88 | 25.13 | 3526.76 | 7053.51 |
| 47 | 2029-12 | 3543.51 | 16.75 | 3526.76 | 3526.76 |
| 48 | 2030-01 | 3535.13 | 8.38 | 3526.76 | 0.00 |