贷款40万（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：40万
还款月数：4年
每月还款：8898元
利息总额：2.71万
本息合计：42.71万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 8898.00 | 1083.33 | 7814.66 | 392185.34 |
| 2 | 2024-10 | 8898.00 | 1062.17 | 7835.83 | 384349.51 |
| 3 | 2024-11 | 8898.00 | 1040.95 | 7857.05 | 376492.46 |
| 4 | 2024-12 | 8898.00 | 1019.67 | 7878.33 | 368614.13 |
| 5 | 2025-01 | 8898.00 | 998.33 | 7899.67 | 360714.46 |
| 6 | 2025-02 | 8898.00 | 976.94 | 7921.06 | 352793.40 |
| 7 | 2025-03 | 8898.00 | 955.48 | 7942.51 | 344850.89 |
| 8 | 2025-04 | 8898.00 | 933.97 | 7964.03 | 336886.86 |
| 9 | 2025-05 | 8898.00 | 912.40 | 7985.59 | 328901.27 |
| 10 | 2025-06 | 8898.00 | 890.77 | 8007.22 | 320894.04 |
| 11 | 2025-07 | 8898.00 | 869.09 | 8028.91 | 312865.14 |
| 12 | 2025-08 | 8898.00 | 847.34 | 8050.65 | 304814.48 |
| 13 | 2025-09 | 8898.00 | 825.54 | 8072.46 | 296742.02 |
| 14 | 2025-10 | 8898.00 | 803.68 | 8094.32 | 288647.70 |
| 15 | 2025-11 | 8898.00 | 781.75 | 8116.24 | 280531.46 |
| 16 | 2025-12 | 8898.00 | 759.77 | 8138.22 | 272393.24 |
| 17 | 2026-01 | 8898.00 | 737.73 | 8160.26 | 264232.97 |
| 18 | 2026-02 | 8898.00 | 715.63 | 8182.37 | 256050.61 |
| 19 | 2026-03 | 8898.00 | 693.47 | 8204.53 | 247846.08 |
| 20 | 2026-04 | 8898.00 | 671.25 | 8226.75 | 239619.33 |
| 21 | 2026-05 | 8898.00 | 648.97 | 8249.03 | 231370.31 |
| 22 | 2026-06 | 8898.00 | 626.63 | 8271.37 | 223098.94 |
| 23 | 2026-07 | 8898.00 | 604.23 | 8293.77 | 214805.17 |
| 24 | 2026-08 | 8898.00 | 581.76 | 8316.23 | 206488.94 |
| 25 | 2026-09 | 8898.00 | 559.24 | 8338.76 | 198150.18 |
| 26 | 2026-10 | 8898.00 | 536.66 | 8361.34 | 189788.84 |
| 27 | 2026-11 | 8898.00 | 514.01 | 8383.99 | 181404.85 |
| 28 | 2026-12 | 8898.00 | 491.30 | 8406.69 | 172998.16 |
| 29 | 2027-01 | 8898.00 | 468.54 | 8429.46 | 164568.70 |
| 30 | 2027-02 | 8898.00 | 445.71 | 8452.29 | 156116.41 |
| 31 | 2027-03 | 8898.00 | 422.82 | 8475.18 | 147641.23 |
| 32 | 2027-04 | 8898.00 | 399.86 | 8498.13 | 139143.10 |
| 33 | 2027-05 | 8898.00 | 376.85 | 8521.15 | 130621.95 |
| 34 | 2027-06 | 8898.00 | 353.77 | 8544.23 | 122077.72 |
| 35 | 2027-07 | 8898.00 | 330.63 | 8567.37 | 113510.35 |
| 36 | 2027-08 | 8898.00 | 307.42 | 8590.57 | 104919.78 |
| 37 | 2027-09 | 8898.00 | 284.16 | 8613.84 | 96305.94 |
| 38 | 2027-10 | 8898.00 | 260.83 | 8637.17 | 87668.77 |
| 39 | 2027-11 | 8898.00 | 237.44 | 8660.56 | 79008.21 |
| 40 | 2027-12 | 8898.00 | 213.98 | 8684.02 | 70324.19 |
| 41 | 2028-01 | 8898.00 | 190.46 | 8707.54 | 61616.66 |
| 42 | 2028-02 | 8898.00 | 166.88 | 8731.12 | 52885.54 |
| 43 | 2028-03 | 8898.00 | 143.23 | 8754.76 | 44130.77 |
| 44 | 2028-04 | 8898.00 | 119.52 | 8778.48 | 35352.30 |
| 45 | 2028-05 | 8898.00 | 95.75 | 8802.25 | 26550.05 |
| 46 | 2028-06 | 8898.00 | 71.91 | 8826.09 | 17723.96 |
| 47 | 2028-07 | 8898.00 | 48.00 | 8849.99 | 8873.96 |
| 48 | 2028-08 | 8898.00 | 24.03 | 8873.96 | 0.00 |
等额本金还款方式：
贷款总额：40万
还款月数：4年
首月还款：9416.67元
每月递减：22.57元
利息总额：2.65万
本息合计：42.65万
节省利息：562.17元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 9416.67 | 1083.33 | 8333.33 | 391666.67 |
| 2 | 2024-10 | 9394.10 | 1060.76 | 8333.33 | 383333.33 |
| 3 | 2024-11 | 9371.53 | 1038.19 | 8333.33 | 375000.00 |
| 4 | 2024-12 | 9348.96 | 1015.63 | 8333.33 | 366666.67 |
| 5 | 2025-01 | 9326.39 | 993.06 | 8333.33 | 358333.33 |
| 6 | 2025-02 | 9303.82 | 970.49 | 8333.33 | 350000.00 |
| 7 | 2025-03 | 9281.25 | 947.92 | 8333.33 | 341666.67 |
| 8 | 2025-04 | 9258.68 | 925.35 | 8333.33 | 333333.33 |
| 9 | 2025-05 | 9236.11 | 902.78 | 8333.33 | 325000.00 |
| 10 | 2025-06 | 9213.54 | 880.21 | 8333.33 | 316666.67 |
| 11 | 2025-07 | 9190.97 | 857.64 | 8333.33 | 308333.33 |
| 12 | 2025-08 | 9168.40 | 835.07 | 8333.33 | 300000.00 |
| 13 | 2025-09 | 9145.83 | 812.50 | 8333.33 | 291666.67 |
| 14 | 2025-10 | 9123.26 | 789.93 | 8333.33 | 283333.33 |
| 15 | 2025-11 | 9100.69 | 767.36 | 8333.33 | 275000.00 |
| 16 | 2025-12 | 9078.13 | 744.79 | 8333.33 | 266666.67 |
| 17 | 2026-01 | 9055.56 | 722.22 | 8333.33 | 258333.33 |
| 18 | 2026-02 | 9032.99 | 699.65 | 8333.33 | 250000.00 |
| 19 | 2026-03 | 9010.42 | 677.08 | 8333.33 | 241666.67 |
| 20 | 2026-04 | 8987.85 | 654.51 | 8333.33 | 233333.33 |
| 21 | 2026-05 | 8965.28 | 631.94 | 8333.33 | 225000.00 |
| 22 | 2026-06 | 8942.71 | 609.38 | 8333.33 | 216666.67 |
| 23 | 2026-07 | 8920.14 | 586.81 | 8333.33 | 208333.33 |
| 24 | 2026-08 | 8897.57 | 564.24 | 8333.33 | 200000.00 |
| 25 | 2026-09 | 8875.00 | 541.67 | 8333.33 | 191666.67 |
| 26 | 2026-10 | 8852.43 | 519.10 | 8333.33 | 183333.33 |
| 27 | 2026-11 | 8829.86 | 496.53 | 8333.33 | 175000.00 |
| 28 | 2026-12 | 8807.29 | 473.96 | 8333.33 | 166666.67 |
| 29 | 2027-01 | 8784.72 | 451.39 | 8333.33 | 158333.33 |
| 30 | 2027-02 | 8762.15 | 428.82 | 8333.33 | 150000.00 |
| 31 | 2027-03 | 8739.58 | 406.25 | 8333.33 | 141666.67 |
| 32 | 2027-04 | 8717.01 | 383.68 | 8333.33 | 133333.33 |
| 33 | 2027-05 | 8694.44 | 361.11 | 8333.33 | 125000.00 |
| 34 | 2027-06 | 8671.88 | 338.54 | 8333.33 | 116666.67 |
| 35 | 2027-07 | 8649.31 | 315.97 | 8333.33 | 108333.33 |
| 36 | 2027-08 | 8626.74 | 293.40 | 8333.33 | 100000.00 |
| 37 | 2027-09 | 8604.17 | 270.83 | 8333.33 | 91666.67 |
| 38 | 2027-10 | 8581.60 | 248.26 | 8333.33 | 83333.33 |
| 39 | 2027-11 | 8559.03 | 225.69 | 8333.33 | 75000.00 |
| 40 | 2027-12 | 8536.46 | 203.13 | 8333.33 | 66666.67 |
| 41 | 2028-01 | 8513.89 | 180.56 | 8333.33 | 58333.33 |
| 42 | 2028-02 | 8491.32 | 157.99 | 8333.33 | 50000.00 |
| 43 | 2028-03 | 8468.75 | 135.42 | 8333.33 | 41666.67 |
| 44 | 2028-04 | 8446.18 | 112.85 | 8333.33 | 33333.33 |
| 45 | 2028-05 | 8423.61 | 90.28 | 8333.33 | 25000.00 |
| 46 | 2028-06 | 8401.04 | 67.71 | 8333.33 | 16666.67 |
| 47 | 2028-07 | 8378.47 | 45.14 | 8333.33 | 8333.33 |
| 48 | 2028-08 | 8355.90 | 22.57 | 8333.33 | 0.00 |