贷款16万（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：16万
还款月数：4年
每月还款：3581.94元
利息总额：1.19万
本息合计：17.19万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 3581.94 | 476.00 | 3105.94 | 156894.06 |
| 2 | 2024-11 | 3581.94 | 466.76 | 3115.18 | 153778.87 |
| 3 | 2024-12 | 3581.94 | 457.49 | 3124.45 | 150654.42 |
| 4 | 2025-01 | 3581.94 | 448.20 | 3133.75 | 147520.68 |
| 5 | 2025-02 | 3581.94 | 438.87 | 3143.07 | 144377.61 |
| 6 | 2025-03 | 3581.94 | 429.52 | 3152.42 | 141225.19 |
| 7 | 2025-04 | 3581.94 | 420.14 | 3161.80 | 138063.39 |
| 8 | 2025-05 | 3581.94 | 410.74 | 3171.20 | 134892.18 |
| 9 | 2025-06 | 3581.94 | 401.30 | 3180.64 | 131711.54 |
| 10 | 2025-07 | 3581.94 | 391.84 | 3190.10 | 128521.44 |
| 11 | 2025-08 | 3581.94 | 382.35 | 3199.59 | 125321.85 |
| 12 | 2025-09 | 3581.94 | 372.83 | 3209.11 | 122112.74 |
| 13 | 2025-10 | 3581.94 | 363.29 | 3218.66 | 118894.08 |
| 14 | 2025-11 | 3581.94 | 353.71 | 3228.23 | 115665.85 |
| 15 | 2025-12 | 3581.94 | 344.11 | 3237.84 | 112428.01 |
| 16 | 2026-01 | 3581.94 | 334.47 | 3247.47 | 109180.54 |
| 17 | 2026-02 | 3581.94 | 324.81 | 3257.13 | 105923.41 |
| 18 | 2026-03 | 3581.94 | 315.12 | 3266.82 | 102656.59 |
| 19 | 2026-04 | 3581.94 | 305.40 | 3276.54 | 99380.05 |
| 20 | 2026-05 | 3581.94 | 295.66 | 3286.29 | 96093.76 |
| 21 | 2026-06 | 3581.94 | 285.88 | 3296.06 | 92797.70 |
| 22 | 2026-07 | 3581.94 | 276.07 | 3305.87 | 89491.83 |
| 23 | 2026-08 | 3581.94 | 266.24 | 3315.71 | 86176.12 |
| 24 | 2026-09 | 3581.94 | 256.37 | 3325.57 | 82850.55 |
| 25 | 2026-10 | 3581.94 | 246.48 | 3335.46 | 79515.09 |
| 26 | 2026-11 | 3581.94 | 236.56 | 3345.39 | 76169.70 |
| 27 | 2026-12 | 3581.94 | 226.60 | 3355.34 | 72814.37 |
| 28 | 2027-01 | 3581.94 | 216.62 | 3365.32 | 69449.05 |
| 29 | 2027-02 | 3581.94 | 206.61 | 3375.33 | 66073.71 |
| 30 | 2027-03 | 3581.94 | 196.57 | 3385.37 | 62688.34 |
| 31 | 2027-04 | 3581.94 | 186.50 | 3395.45 | 59292.89 |
| 32 | 2027-05 | 3581.94 | 176.40 | 3405.55 | 55887.35 |
| 33 | 2027-06 | 3581.94 | 166.26 | 3415.68 | 52471.67 |
| 34 | 2027-07 | 3581.94 | 156.10 | 3425.84 | 49045.83 |
| 35 | 2027-08 | 3581.94 | 145.91 | 3436.03 | 45609.80 |
| 36 | 2027-09 | 3581.94 | 135.69 | 3446.25 | 42163.54 |
| 37 | 2027-10 | 3581.94 | 125.44 | 3456.51 | 38707.03 |
| 38 | 2027-11 | 3581.94 | 115.15 | 3466.79 | 35240.25 |
| 39 | 2027-12 | 3581.94 | 104.84 | 3477.10 | 31763.14 |
| 40 | 2028-01 | 3581.94 | 94.50 | 3487.45 | 28275.69 |
| 41 | 2028-02 | 3581.94 | 84.12 | 3497.82 | 24777.87 |
| 42 | 2028-03 | 3581.94 | 73.71 | 3508.23 | 21269.64 |
| 43 | 2028-04 | 3581.94 | 63.28 | 3518.67 | 17750.98 |
| 44 | 2028-05 | 3581.94 | 52.81 | 3529.13 | 14221.84 |
| 45 | 2028-06 | 3581.94 | 42.31 | 3539.63 | 10682.21 |
| 46 | 2028-07 | 3581.94 | 31.78 | 3550.16 | 7132.04 |
| 47 | 2028-08 | 3581.94 | 21.22 | 3560.73 | 3571.32 |
| 48 | 2028-09 | 3581.94 | 10.62 | 3571.32 | 0.00 |
等额本金还款方式：
贷款总额：16万
还款月数：4年
首月还款：3809.33元
每月递减：9.92元
利息总额：1.17万
本息合计：17.17万
节省利息：271.28元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 3809.33 | 476.00 | 3333.33 | 156666.67 |
| 2 | 2024-11 | 3799.42 | 466.08 | 3333.33 | 153333.33 |
| 3 | 2024-12 | 3789.50 | 456.17 | 3333.33 | 150000.00 |
| 4 | 2025-01 | 3779.58 | 446.25 | 3333.33 | 146666.67 |
| 5 | 2025-02 | 3769.67 | 436.33 | 3333.33 | 143333.33 |
| 6 | 2025-03 | 3759.75 | 426.42 | 3333.33 | 140000.00 |
| 7 | 2025-04 | 3749.83 | 416.50 | 3333.33 | 136666.67 |
| 8 | 2025-05 | 3739.92 | 406.58 | 3333.33 | 133333.33 |
| 9 | 2025-06 | 3730.00 | 396.67 | 3333.33 | 130000.00 |
| 10 | 2025-07 | 3720.08 | 386.75 | 3333.33 | 126666.67 |
| 11 | 2025-08 | 3710.17 | 376.83 | 3333.33 | 123333.33 |
| 12 | 2025-09 | 3700.25 | 366.92 | 3333.33 | 120000.00 |
| 13 | 2025-10 | 3690.33 | 357.00 | 3333.33 | 116666.67 |
| 14 | 2025-11 | 3680.42 | 347.08 | 3333.33 | 113333.33 |
| 15 | 2025-12 | 3670.50 | 337.17 | 3333.33 | 110000.00 |
| 16 | 2026-01 | 3660.58 | 327.25 | 3333.33 | 106666.67 |
| 17 | 2026-02 | 3650.67 | 317.33 | 3333.33 | 103333.33 |
| 18 | 2026-03 | 3640.75 | 307.42 | 3333.33 | 100000.00 |
| 19 | 2026-04 | 3630.83 | 297.50 | 3333.33 | 96666.67 |
| 20 | 2026-05 | 3620.92 | 287.58 | 3333.33 | 93333.33 |
| 21 | 2026-06 | 3611.00 | 277.67 | 3333.33 | 90000.00 |
| 22 | 2026-07 | 3601.08 | 267.75 | 3333.33 | 86666.67 |
| 23 | 2026-08 | 3591.17 | 257.83 | 3333.33 | 83333.33 |
| 24 | 2026-09 | 3581.25 | 247.92 | 3333.33 | 80000.00 |
| 25 | 2026-10 | 3571.33 | 238.00 | 3333.33 | 76666.67 |
| 26 | 2026-11 | 3561.42 | 228.08 | 3333.33 | 73333.33 |
| 27 | 2026-12 | 3551.50 | 218.17 | 3333.33 | 70000.00 |
| 28 | 2027-01 | 3541.58 | 208.25 | 3333.33 | 66666.67 |
| 29 | 2027-02 | 3531.67 | 198.33 | 3333.33 | 63333.33 |
| 30 | 2027-03 | 3521.75 | 188.42 | 3333.33 | 60000.00 |
| 31 | 2027-04 | 3511.83 | 178.50 | 3333.33 | 56666.67 |
| 32 | 2027-05 | 3501.92 | 168.58 | 3333.33 | 53333.33 |
| 33 | 2027-06 | 3492.00 | 158.67 | 3333.33 | 50000.00 |
| 34 | 2027-07 | 3482.08 | 148.75 | 3333.33 | 46666.67 |
| 35 | 2027-08 | 3472.17 | 138.83 | 3333.33 | 43333.33 |
| 36 | 2027-09 | 3462.25 | 128.92 | 3333.33 | 40000.00 |
| 37 | 2027-10 | 3452.33 | 119.00 | 3333.33 | 36666.67 |
| 38 | 2027-11 | 3442.42 | 109.08 | 3333.33 | 33333.33 |
| 39 | 2027-12 | 3432.50 | 99.17 | 3333.33 | 30000.00 |
| 40 | 2028-01 | 3422.58 | 89.25 | 3333.33 | 26666.67 |
| 41 | 2028-02 | 3412.67 | 79.33 | 3333.33 | 23333.33 |
| 42 | 2028-03 | 3402.75 | 69.42 | 3333.33 | 20000.00 |
| 43 | 2028-04 | 3392.83 | 59.50 | 3333.33 | 16666.67 |
| 44 | 2028-05 | 3382.92 | 49.58 | 3333.33 | 13333.33 |
| 45 | 2028-06 | 3373.00 | 39.67 | 3333.33 | 10000.00 |
| 46 | 2028-07 | 3363.08 | 29.75 | 3333.33 | 6666.67 |
| 47 | 2028-08 | 3353.17 | 19.83 | 3333.33 | 3333.33 |
| 48 | 2028-09 | 3343.25 | 9.92 | 3333.33 | 0.00 |