贷款24万（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：24万
还款月数：4年
每月还款：5338.8元
利息总额：1.63万
本息合计：25.63万
| 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 | 5338.80 | 650.00 | 4688.80 | 235311.20 |
| 2 | 2024-11 | 5338.80 | 637.30 | 4701.50 | 230609.71 |
| 3 | 2024-12 | 5338.80 | 624.57 | 4714.23 | 225895.48 |
| 4 | 2025-01 | 5338.80 | 611.80 | 4727.00 | 221168.48 |
| 5 | 2025-02 | 5338.80 | 599.00 | 4739.80 | 216428.68 |
| 6 | 2025-03 | 5338.80 | 586.16 | 4752.64 | 211676.04 |
| 7 | 2025-04 | 5338.80 | 573.29 | 4765.51 | 206910.53 |
| 8 | 2025-05 | 5338.80 | 560.38 | 4778.42 | 202132.12 |
| 9 | 2025-06 | 5338.80 | 547.44 | 4791.36 | 197340.76 |
| 10 | 2025-07 | 5338.80 | 534.46 | 4804.33 | 192536.43 |
| 11 | 2025-08 | 5338.80 | 521.45 | 4817.35 | 187719.08 |
| 12 | 2025-09 | 5338.80 | 508.41 | 4830.39 | 182888.69 |
| 13 | 2025-10 | 5338.80 | 495.32 | 4843.47 | 178045.21 |
| 14 | 2025-11 | 5338.80 | 482.21 | 4856.59 | 173188.62 |
| 15 | 2025-12 | 5338.80 | 469.05 | 4869.75 | 168318.88 |
| 16 | 2026-01 | 5338.80 | 455.86 | 4882.93 | 163435.94 |
| 17 | 2026-02 | 5338.80 | 442.64 | 4896.16 | 158539.78 |
| 18 | 2026-03 | 5338.80 | 429.38 | 4909.42 | 153630.36 |
| 19 | 2026-04 | 5338.80 | 416.08 | 4922.72 | 148707.65 |
| 20 | 2026-05 | 5338.80 | 402.75 | 4936.05 | 143771.60 |
| 21 | 2026-06 | 5338.80 | 389.38 | 4949.42 | 138822.18 |
| 22 | 2026-07 | 5338.80 | 375.98 | 4962.82 | 133859.36 |
| 23 | 2026-08 | 5338.80 | 362.54 | 4976.26 | 128883.10 |
| 24 | 2026-09 | 5338.80 | 349.06 | 4989.74 | 123893.36 |
| 25 | 2026-10 | 5338.80 | 335.54 | 5003.25 | 118890.11 |
| 26 | 2026-11 | 5338.80 | 321.99 | 5016.80 | 113873.30 |
| 27 | 2026-12 | 5338.80 | 308.41 | 5030.39 | 108842.91 |
| 28 | 2027-01 | 5338.80 | 294.78 | 5044.02 | 103798.90 |
| 29 | 2027-02 | 5338.80 | 281.12 | 5057.68 | 98741.22 |
| 30 | 2027-03 | 5338.80 | 267.42 | 5071.37 | 93669.85 |
| 31 | 2027-04 | 5338.80 | 253.69 | 5085.11 | 88584.74 |
| 32 | 2027-05 | 5338.80 | 239.92 | 5098.88 | 83485.86 |
| 33 | 2027-06 | 5338.80 | 226.11 | 5112.69 | 78373.17 |
| 34 | 2027-07 | 5338.80 | 212.26 | 5126.54 | 73246.63 |
| 35 | 2027-08 | 5338.80 | 198.38 | 5140.42 | 68106.21 |
| 36 | 2027-09 | 5338.80 | 184.45 | 5154.34 | 62951.87 |
| 37 | 2027-10 | 5338.80 | 170.49 | 5168.30 | 57783.56 |
| 38 | 2027-11 | 5338.80 | 156.50 | 5182.30 | 52601.26 |
| 39 | 2027-12 | 5338.80 | 142.46 | 5196.34 | 47404.92 |
| 40 | 2028-01 | 5338.80 | 128.39 | 5210.41 | 42194.52 |
| 41 | 2028-02 | 5338.80 | 114.28 | 5224.52 | 36969.99 |
| 42 | 2028-03 | 5338.80 | 100.13 | 5238.67 | 31731.32 |
| 43 | 2028-04 | 5338.80 | 85.94 | 5252.86 | 26478.46 |
| 44 | 2028-05 | 5338.80 | 71.71 | 5267.09 | 21211.38 |
| 45 | 2028-06 | 5338.80 | 57.45 | 5281.35 | 15930.03 |
| 46 | 2028-07 | 5338.80 | 43.14 | 5295.65 | 10634.37 |
| 47 | 2028-08 | 5338.80 | 28.80 | 5310.00 | 5324.38 |
| 48 | 2028-09 | 5338.80 | 14.42 | 5324.38 | 0.00 |
等额本金还款方式：
贷款总额：24万
还款月数：4年
首月还款：5650元
每月递减：13.54元
利息总额：1.59万
本息合计：25.59万
节省利息：337.3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 | 5650.00 | 650.00 | 5000.00 | 235000.00 |
| 2 | 2024-11 | 5636.46 | 636.46 | 5000.00 | 230000.00 |
| 3 | 2024-12 | 5622.92 | 622.92 | 5000.00 | 225000.00 |
| 4 | 2025-01 | 5609.38 | 609.38 | 5000.00 | 220000.00 |
| 5 | 2025-02 | 5595.83 | 595.83 | 5000.00 | 215000.00 |
| 6 | 2025-03 | 5582.29 | 582.29 | 5000.00 | 210000.00 |
| 7 | 2025-04 | 5568.75 | 568.75 | 5000.00 | 205000.00 |
| 8 | 2025-05 | 5555.21 | 555.21 | 5000.00 | 200000.00 |
| 9 | 2025-06 | 5541.67 | 541.67 | 5000.00 | 195000.00 |
| 10 | 2025-07 | 5528.13 | 528.13 | 5000.00 | 190000.00 |
| 11 | 2025-08 | 5514.58 | 514.58 | 5000.00 | 185000.00 |
| 12 | 2025-09 | 5501.04 | 501.04 | 5000.00 | 180000.00 |
| 13 | 2025-10 | 5487.50 | 487.50 | 5000.00 | 175000.00 |
| 14 | 2025-11 | 5473.96 | 473.96 | 5000.00 | 170000.00 |
| 15 | 2025-12 | 5460.42 | 460.42 | 5000.00 | 165000.00 |
| 16 | 2026-01 | 5446.88 | 446.88 | 5000.00 | 160000.00 |
| 17 | 2026-02 | 5433.33 | 433.33 | 5000.00 | 155000.00 |
| 18 | 2026-03 | 5419.79 | 419.79 | 5000.00 | 150000.00 |
| 19 | 2026-04 | 5406.25 | 406.25 | 5000.00 | 145000.00 |
| 20 | 2026-05 | 5392.71 | 392.71 | 5000.00 | 140000.00 |
| 21 | 2026-06 | 5379.17 | 379.17 | 5000.00 | 135000.00 |
| 22 | 2026-07 | 5365.63 | 365.63 | 5000.00 | 130000.00 |
| 23 | 2026-08 | 5352.08 | 352.08 | 5000.00 | 125000.00 |
| 24 | 2026-09 | 5338.54 | 338.54 | 5000.00 | 120000.00 |
| 25 | 2026-10 | 5325.00 | 325.00 | 5000.00 | 115000.00 |
| 26 | 2026-11 | 5311.46 | 311.46 | 5000.00 | 110000.00 |
| 27 | 2026-12 | 5297.92 | 297.92 | 5000.00 | 105000.00 |
| 28 | 2027-01 | 5284.38 | 284.38 | 5000.00 | 100000.00 |
| 29 | 2027-02 | 5270.83 | 270.83 | 5000.00 | 95000.00 |
| 30 | 2027-03 | 5257.29 | 257.29 | 5000.00 | 90000.00 |
| 31 | 2027-04 | 5243.75 | 243.75 | 5000.00 | 85000.00 |
| 32 | 2027-05 | 5230.21 | 230.21 | 5000.00 | 80000.00 |
| 33 | 2027-06 | 5216.67 | 216.67 | 5000.00 | 75000.00 |
| 34 | 2027-07 | 5203.13 | 203.13 | 5000.00 | 70000.00 |
| 35 | 2027-08 | 5189.58 | 189.58 | 5000.00 | 65000.00 |
| 36 | 2027-09 | 5176.04 | 176.04 | 5000.00 | 60000.00 |
| 37 | 2027-10 | 5162.50 | 162.50 | 5000.00 | 55000.00 |
| 38 | 2027-11 | 5148.96 | 148.96 | 5000.00 | 50000.00 |
| 39 | 2027-12 | 5135.42 | 135.42 | 5000.00 | 45000.00 |
| 40 | 2028-01 | 5121.88 | 121.88 | 5000.00 | 40000.00 |
| 41 | 2028-02 | 5108.33 | 108.33 | 5000.00 | 35000.00 |
| 42 | 2028-03 | 5094.79 | 94.79 | 5000.00 | 30000.00 |
| 43 | 2028-04 | 5081.25 | 81.25 | 5000.00 | 25000.00 |
| 44 | 2028-05 | 5067.71 | 67.71 | 5000.00 | 20000.00 |
| 45 | 2028-06 | 5054.17 | 54.17 | 5000.00 | 15000.00 |
| 46 | 2028-07 | 5040.63 | 40.63 | 5000.00 | 10000.00 |
| 47 | 2028-08 | 5027.08 | 27.08 | 5000.00 | 5000.00 |
| 48 | 2028-09 | 5013.54 | 13.54 | 5000.00 | 0.00 |