贷款16.93万（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：16.93万
还款月数：3年9个月
每月还款：3970.94元
利息总额：9407.99元
本息合计：17.87万
| 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 | 3970.94 | 402.05 | 3568.89 | 165715.36 |
| 2 | 2026-03 | 3970.94 | 393.57 | 3577.36 | 162138.00 |
| 3 | 2026-04 | 3970.94 | 385.08 | 3585.86 | 158552.14 |
| 4 | 2026-05 | 3970.94 | 376.56 | 3594.38 | 154957.76 |
| 5 | 2026-06 | 3970.94 | 368.02 | 3602.91 | 151354.85 |
| 6 | 2026-07 | 3970.94 | 359.47 | 3611.47 | 147743.37 |
| 7 | 2026-08 | 3970.94 | 350.89 | 3620.05 | 144123.33 |
| 8 | 2026-09 | 3970.94 | 342.29 | 3628.65 | 140494.68 |
| 9 | 2026-10 | 3970.94 | 333.67 | 3637.26 | 136857.42 |
| 10 | 2026-11 | 3970.94 | 325.04 | 3645.90 | 133211.51 |
| 11 | 2026-12 | 3970.94 | 316.38 | 3654.56 | 129556.95 |
| 12 | 2027-01 | 3970.94 | 307.70 | 3663.24 | 125893.71 |
| 13 | 2027-02 | 3970.94 | 299.00 | 3671.94 | 122221.77 |
| 14 | 2027-03 | 3970.94 | 290.28 | 3680.66 | 118541.11 |
| 15 | 2027-04 | 3970.94 | 281.54 | 3689.40 | 114851.71 |
| 16 | 2027-05 | 3970.94 | 272.77 | 3698.17 | 111153.54 |
| 17 | 2027-06 | 3970.94 | 263.99 | 3706.95 | 107446.59 |
| 18 | 2027-07 | 3970.94 | 255.19 | 3715.75 | 103730.84 |
| 19 | 2027-08 | 3970.94 | 246.36 | 3724.58 | 100006.26 |
| 20 | 2027-09 | 3970.94 | 237.51 | 3733.42 | 96272.84 |
| 21 | 2027-10 | 3970.94 | 228.65 | 3742.29 | 92530.55 |
| 22 | 2027-11 | 3970.94 | 219.76 | 3751.18 | 88779.37 |
| 23 | 2027-12 | 3970.94 | 210.85 | 3760.09 | 85019.28 |
| 24 | 2028-01 | 3970.94 | 201.92 | 3769.02 | 81250.26 |
| 25 | 2028-02 | 3970.94 | 192.97 | 3777.97 | 77472.29 |
| 26 | 2028-03 | 3970.94 | 184.00 | 3786.94 | 73685.35 |
| 27 | 2028-04 | 3970.94 | 175.00 | 3795.94 | 69889.42 |
| 28 | 2028-05 | 3970.94 | 165.99 | 3804.95 | 66084.46 |
| 29 | 2028-06 | 3970.94 | 156.95 | 3813.99 | 62270.48 |
| 30 | 2028-07 | 3970.94 | 147.89 | 3823.05 | 58447.43 |
| 31 | 2028-08 | 3970.94 | 138.81 | 3832.13 | 54615.30 |
| 32 | 2028-09 | 3970.94 | 129.71 | 3841.23 | 50774.08 |
| 33 | 2028-10 | 3970.94 | 120.59 | 3850.35 | 46923.73 |
| 34 | 2028-11 | 3970.94 | 111.44 | 3859.49 | 43064.23 |
| 35 | 2028-12 | 3970.94 | 102.28 | 3868.66 | 39195.57 |
| 36 | 2029-01 | 3970.94 | 93.09 | 3877.85 | 35317.72 |
| 37 | 2029-02 | 3970.94 | 83.88 | 3887.06 | 31430.66 |
| 38 | 2029-03 | 3970.94 | 74.65 | 3896.29 | 27534.37 |
| 39 | 2029-04 | 3970.94 | 65.39 | 3905.54 | 23628.83 |
| 40 | 2029-05 | 3970.94 | 56.12 | 3914.82 | 19714.01 |
| 41 | 2029-06 | 3970.94 | 46.82 | 3924.12 | 15789.89 |
| 42 | 2029-07 | 3970.94 | 37.50 | 3933.44 | 11856.45 |
| 43 | 2029-08 | 3970.94 | 28.16 | 3942.78 | 7913.67 |
| 44 | 2029-09 | 3970.94 | 18.79 | 3952.14 | 3961.53 |
| 45 | 2029-10 | 3970.94 | 9.41 | 3961.53 | 0.00 |
等额本金还款方式：
贷款总额：16.93万
还款月数：3年9个月
首月还款：4163.92元
每月递减：8.93元
利息总额：9247.15元
本息合计：17.85万
节省利息：160.83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 | 4163.92 | 402.05 | 3761.87 | 165522.38 |
| 2 | 2026-03 | 4154.99 | 393.12 | 3761.87 | 161760.51 |
| 3 | 2026-04 | 4146.05 | 384.18 | 3761.87 | 157998.63 |
| 4 | 2026-05 | 4137.12 | 375.25 | 3761.87 | 154236.76 |
| 5 | 2026-06 | 4128.18 | 366.31 | 3761.87 | 150474.89 |
| 6 | 2026-07 | 4119.25 | 357.38 | 3761.87 | 146713.02 |
| 7 | 2026-08 | 4110.32 | 348.44 | 3761.87 | 142951.14 |
| 8 | 2026-09 | 4101.38 | 339.51 | 3761.87 | 139189.27 |
| 9 | 2026-10 | 4092.45 | 330.57 | 3761.87 | 135427.40 |
| 10 | 2026-11 | 4083.51 | 321.64 | 3761.87 | 131665.53 |
| 11 | 2026-12 | 4074.58 | 312.71 | 3761.87 | 127903.66 |
| 12 | 2027-01 | 4065.64 | 303.77 | 3761.87 | 124141.78 |
| 13 | 2027-02 | 4056.71 | 294.84 | 3761.87 | 120379.91 |
| 14 | 2027-03 | 4047.77 | 285.90 | 3761.87 | 116618.04 |
| 15 | 2027-04 | 4038.84 | 276.97 | 3761.87 | 112856.17 |
| 16 | 2027-05 | 4029.91 | 268.03 | 3761.87 | 109094.29 |
| 17 | 2027-06 | 4020.97 | 259.10 | 3761.87 | 105332.42 |
| 18 | 2027-07 | 4012.04 | 250.16 | 3761.87 | 101570.55 |
| 19 | 2027-08 | 4003.10 | 241.23 | 3761.87 | 97808.68 |
| 20 | 2027-09 | 3994.17 | 232.30 | 3761.87 | 94046.81 |
| 21 | 2027-10 | 3985.23 | 223.36 | 3761.87 | 90284.93 |
| 22 | 2027-11 | 3976.30 | 214.43 | 3761.87 | 86523.06 |
| 23 | 2027-12 | 3967.36 | 205.49 | 3761.87 | 82761.19 |
| 24 | 2028-01 | 3958.43 | 196.56 | 3761.87 | 78999.32 |
| 25 | 2028-02 | 3949.50 | 187.62 | 3761.87 | 75237.44 |
| 26 | 2028-03 | 3940.56 | 178.69 | 3761.87 | 71475.57 |
| 27 | 2028-04 | 3931.63 | 169.75 | 3761.87 | 67713.70 |
| 28 | 2028-05 | 3922.69 | 160.82 | 3761.87 | 63951.83 |
| 29 | 2028-06 | 3913.76 | 151.89 | 3761.87 | 60189.96 |
| 30 | 2028-07 | 3904.82 | 142.95 | 3761.87 | 56428.08 |
| 31 | 2028-08 | 3895.89 | 134.02 | 3761.87 | 52666.21 |
| 32 | 2028-09 | 3886.95 | 125.08 | 3761.87 | 48904.34 |
| 33 | 2028-10 | 3878.02 | 116.15 | 3761.87 | 45142.47 |
| 34 | 2028-11 | 3869.09 | 107.21 | 3761.87 | 41380.59 |
| 35 | 2028-12 | 3860.15 | 98.28 | 3761.87 | 37618.72 |
| 36 | 2029-01 | 3851.22 | 89.34 | 3761.87 | 33856.85 |
| 37 | 2029-02 | 3842.28 | 80.41 | 3761.87 | 30094.98 |
| 38 | 2029-03 | 3833.35 | 71.48 | 3761.87 | 26333.11 |
| 39 | 2029-04 | 3824.41 | 62.54 | 3761.87 | 22571.23 |
| 40 | 2029-05 | 3815.48 | 53.61 | 3761.87 | 18809.36 |
| 41 | 2029-06 | 3806.54 | 44.67 | 3761.87 | 15047.49 |
| 42 | 2029-07 | 3797.61 | 35.74 | 3761.87 | 11285.62 |
| 43 | 2029-08 | 3788.68 | 26.80 | 3761.87 | 7523.74 |
| 44 | 2029-09 | 3779.74 | 17.87 | 3761.87 | 3761.87 |
| 45 | 2029-10 | 3770.81 | 8.93 | 3761.87 | 0.00 |