贷款16.93万（公积金贷款）房贷，还款3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：16.93万
还款月数：3年4个月
每月还款：4441.33元
利息总额：8369.09元
本息合计：17.77万
| 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 | 4441.33 | 402.05 | 4039.28 | 165244.97 |
| 2 | 2026-03 | 4441.33 | 392.46 | 4048.88 | 161196.09 |
| 3 | 2026-04 | 4441.33 | 382.84 | 4058.49 | 157137.60 |
| 4 | 2026-05 | 4441.33 | 373.20 | 4068.13 | 153069.47 |
| 5 | 2026-06 | 4441.33 | 363.54 | 4077.79 | 148991.67 |
| 6 | 2026-07 | 4441.33 | 353.86 | 4087.48 | 144904.19 |
| 7 | 2026-08 | 4441.33 | 344.15 | 4097.19 | 140807.01 |
| 8 | 2026-09 | 4441.33 | 334.42 | 4106.92 | 136700.09 |
| 9 | 2026-10 | 4441.33 | 324.66 | 4116.67 | 132583.42 |
| 10 | 2026-11 | 4441.33 | 314.89 | 4126.45 | 128456.97 |
| 11 | 2026-12 | 4441.33 | 305.09 | 4136.25 | 124320.72 |
| 12 | 2027-01 | 4441.33 | 295.26 | 4146.07 | 120174.65 |
| 13 | 2027-02 | 4441.33 | 285.41 | 4155.92 | 116018.73 |
| 14 | 2027-03 | 4441.33 | 275.54 | 4165.79 | 111852.94 |
| 15 | 2027-04 | 4441.33 | 265.65 | 4175.68 | 107677.26 |
| 16 | 2027-05 | 4441.33 | 255.73 | 4185.60 | 103491.66 |
| 17 | 2027-06 | 4441.33 | 245.79 | 4195.54 | 99296.12 |
| 18 | 2027-07 | 4441.33 | 235.83 | 4205.51 | 95090.61 |
| 19 | 2027-08 | 4441.33 | 225.84 | 4215.49 | 90875.12 |
| 20 | 2027-09 | 4441.33 | 215.83 | 4225.51 | 86649.62 |
| 21 | 2027-10 | 4441.33 | 205.79 | 4235.54 | 82414.07 |
| 22 | 2027-11 | 4441.33 | 195.73 | 4245.60 | 78168.47 |
| 23 | 2027-12 | 4441.33 | 185.65 | 4255.68 | 73912.79 |
| 24 | 2028-01 | 4441.33 | 175.54 | 4265.79 | 69647.00 |
| 25 | 2028-02 | 4441.33 | 165.41 | 4275.92 | 65371.08 |
| 26 | 2028-03 | 4441.33 | 155.26 | 4286.08 | 61085.00 |
| 27 | 2028-04 | 4441.33 | 145.08 | 4296.26 | 56788.74 |
| 28 | 2028-05 | 4441.33 | 134.87 | 4306.46 | 52482.28 |
| 29 | 2028-06 | 4441.33 | 124.65 | 4316.69 | 48165.60 |
| 30 | 2028-07 | 4441.33 | 114.39 | 4326.94 | 43838.66 |
| 31 | 2028-08 | 4441.33 | 104.12 | 4337.22 | 39501.44 |
| 32 | 2028-09 | 4441.33 | 93.82 | 4347.52 | 35153.92 |
| 33 | 2028-10 | 4441.33 | 83.49 | 4357.84 | 30796.08 |
| 34 | 2028-11 | 4441.33 | 73.14 | 4368.19 | 26427.89 |
| 35 | 2028-12 | 4441.33 | 62.77 | 4378.57 | 22049.32 |
| 36 | 2029-01 | 4441.33 | 52.37 | 4388.97 | 17660.35 |
| 37 | 2029-02 | 4441.33 | 41.94 | 4399.39 | 13260.96 |
| 38 | 2029-03 | 4441.33 | 31.49 | 4409.84 | 8851.12 |
| 39 | 2029-04 | 4441.33 | 21.02 | 4420.31 | 4430.81 |
| 40 | 2029-05 | 4441.33 | 10.52 | 4430.81 | 0.00 |
等额本金还款方式：
贷款总额：16.93万
还款月数：3年4个月
首月还款：4634.16元
每月递减：10.05元
利息总额：8242.03元
本息合计：17.75万
节省利息：127.07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 | 4634.16 | 402.05 | 4232.11 | 165052.14 |
| 2 | 2026-03 | 4624.11 | 392.00 | 4232.11 | 160820.04 |
| 3 | 2026-04 | 4614.05 | 381.95 | 4232.11 | 156587.93 |
| 4 | 2026-05 | 4604.00 | 371.90 | 4232.11 | 152355.83 |
| 5 | 2026-06 | 4593.95 | 361.85 | 4232.11 | 148123.72 |
| 6 | 2026-07 | 4583.90 | 351.79 | 4232.11 | 143891.61 |
| 7 | 2026-08 | 4573.85 | 341.74 | 4232.11 | 139659.51 |
| 8 | 2026-09 | 4563.80 | 331.69 | 4232.11 | 135427.40 |
| 9 | 2026-10 | 4553.75 | 321.64 | 4232.11 | 131195.29 |
| 10 | 2026-11 | 4543.70 | 311.59 | 4232.11 | 126963.19 |
| 11 | 2026-12 | 4533.64 | 301.54 | 4232.11 | 122731.08 |
| 12 | 2027-01 | 4523.59 | 291.49 | 4232.11 | 118498.98 |
| 13 | 2027-02 | 4513.54 | 281.44 | 4232.11 | 114266.87 |
| 14 | 2027-03 | 4503.49 | 271.38 | 4232.11 | 110034.76 |
| 15 | 2027-04 | 4493.44 | 261.33 | 4232.11 | 105802.66 |
| 16 | 2027-05 | 4483.39 | 251.28 | 4232.11 | 101570.55 |
| 17 | 2027-06 | 4473.34 | 241.23 | 4232.11 | 97338.44 |
| 18 | 2027-07 | 4463.29 | 231.18 | 4232.11 | 93106.34 |
| 19 | 2027-08 | 4453.23 | 221.13 | 4232.11 | 88874.23 |
| 20 | 2027-09 | 4443.18 | 211.08 | 4232.11 | 84642.13 |
| 21 | 2027-10 | 4433.13 | 201.03 | 4232.11 | 80410.02 |
| 22 | 2027-11 | 4423.08 | 190.97 | 4232.11 | 76177.91 |
| 23 | 2027-12 | 4413.03 | 180.92 | 4232.11 | 71945.81 |
| 24 | 2028-01 | 4402.98 | 170.87 | 4232.11 | 67713.70 |
| 25 | 2028-02 | 4392.93 | 160.82 | 4232.11 | 63481.59 |
| 26 | 2028-03 | 4382.88 | 150.77 | 4232.11 | 59249.49 |
| 27 | 2028-04 | 4372.82 | 140.72 | 4232.11 | 55017.38 |
| 28 | 2028-05 | 4362.77 | 130.67 | 4232.11 | 50785.28 |
| 29 | 2028-06 | 4352.72 | 120.62 | 4232.11 | 46553.17 |
| 30 | 2028-07 | 4342.67 | 110.56 | 4232.11 | 42321.06 |
| 31 | 2028-08 | 4332.62 | 100.51 | 4232.11 | 38088.96 |
| 32 | 2028-09 | 4322.57 | 90.46 | 4232.11 | 33856.85 |
| 33 | 2028-10 | 4312.52 | 80.41 | 4232.11 | 29624.74 |
| 34 | 2028-11 | 4302.47 | 70.36 | 4232.11 | 25392.64 |
| 35 | 2028-12 | 4292.41 | 60.31 | 4232.11 | 21160.53 |
| 36 | 2029-01 | 4282.36 | 50.26 | 4232.11 | 16928.43 |
| 37 | 2029-02 | 4272.31 | 40.21 | 4232.11 | 12696.32 |
| 38 | 2029-03 | 4262.26 | 30.15 | 4232.11 | 8464.21 |
| 39 | 2029-04 | 4252.21 | 20.10 | 4232.11 | 4232.11 |
| 40 | 2029-05 | 4242.16 | 10.05 | 4232.11 | 0.00 |