贷款16万（公积金贷款）房贷，还款4年1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：16万
还款月数：4年1个月
每月还款：3496.5元
利息总额：1.13万
本息合计：17.13万
| 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 | 3496.50 | 443.33 | 3053.17 | 156946.83 |
| 2 | 2024-11 | 3496.50 | 434.87 | 3061.63 | 153885.20 |
| 3 | 2024-12 | 3496.50 | 426.39 | 3070.11 | 150815.09 |
| 4 | 2025-01 | 3496.50 | 417.88 | 3078.62 | 147736.47 |
| 5 | 2025-02 | 3496.50 | 409.35 | 3087.15 | 144649.32 |
| 6 | 2025-03 | 3496.50 | 400.80 | 3095.70 | 141553.62 |
| 7 | 2025-04 | 3496.50 | 392.22 | 3104.28 | 138449.34 |
| 8 | 2025-05 | 3496.50 | 383.62 | 3112.88 | 135336.46 |
| 9 | 2025-06 | 3496.50 | 374.99 | 3121.51 | 132214.95 |
| 10 | 2025-07 | 3496.50 | 366.35 | 3130.16 | 129084.79 |
| 11 | 2025-08 | 3496.50 | 357.67 | 3138.83 | 125945.97 |
| 12 | 2025-09 | 3496.50 | 348.98 | 3147.53 | 122798.44 |
| 13 | 2025-10 | 3496.50 | 340.25 | 3156.25 | 119642.19 |
| 14 | 2025-11 | 3496.50 | 331.51 | 3164.99 | 116477.20 |
| 15 | 2025-12 | 3496.50 | 322.74 | 3173.76 | 113303.43 |
| 16 | 2026-01 | 3496.50 | 313.94 | 3182.56 | 110120.88 |
| 17 | 2026-02 | 3496.50 | 305.13 | 3191.38 | 106929.50 |
| 18 | 2026-03 | 3496.50 | 296.28 | 3200.22 | 103729.28 |
| 19 | 2026-04 | 3496.50 | 287.42 | 3209.09 | 100520.20 |
| 20 | 2026-05 | 3496.50 | 278.52 | 3217.98 | 97302.22 |
| 21 | 2026-06 | 3496.50 | 269.61 | 3226.89 | 94075.33 |
| 22 | 2026-07 | 3496.50 | 260.67 | 3235.83 | 90839.49 |
| 23 | 2026-08 | 3496.50 | 251.70 | 3244.80 | 87594.69 |
| 24 | 2026-09 | 3496.50 | 242.71 | 3253.79 | 84340.90 |
| 25 | 2026-10 | 3496.50 | 233.69 | 3262.81 | 81078.09 |
| 26 | 2026-11 | 3496.50 | 224.65 | 3271.85 | 77806.24 |
| 27 | 2026-12 | 3496.50 | 215.59 | 3280.91 | 74525.33 |
| 28 | 2027-01 | 3496.50 | 206.50 | 3290.00 | 71235.32 |
| 29 | 2027-02 | 3496.50 | 197.38 | 3299.12 | 67936.20 |
| 30 | 2027-03 | 3496.50 | 188.24 | 3308.26 | 64627.94 |
| 31 | 2027-04 | 3496.50 | 179.07 | 3317.43 | 61310.51 |
| 32 | 2027-05 | 3496.50 | 169.88 | 3326.62 | 57983.89 |
| 33 | 2027-06 | 3496.50 | 160.66 | 3335.84 | 54648.05 |
| 34 | 2027-07 | 3496.50 | 151.42 | 3345.08 | 51302.97 |
| 35 | 2027-08 | 3496.50 | 142.15 | 3354.35 | 47948.62 |
| 36 | 2027-09 | 3496.50 | 132.86 | 3363.64 | 44584.98 |
| 37 | 2027-10 | 3496.50 | 123.54 | 3372.96 | 41212.01 |
| 38 | 2027-11 | 3496.50 | 114.19 | 3382.31 | 37829.70 |
| 39 | 2027-12 | 3496.50 | 104.82 | 3391.68 | 34438.02 |
| 40 | 2028-01 | 3496.50 | 95.42 | 3401.08 | 31036.94 |
| 41 | 2028-02 | 3496.50 | 86.00 | 3410.50 | 27626.44 |
| 42 | 2028-03 | 3496.50 | 76.55 | 3419.95 | 24206.48 |
| 43 | 2028-04 | 3496.50 | 67.07 | 3429.43 | 20777.05 |
| 44 | 2028-05 | 3496.50 | 57.57 | 3438.93 | 17338.12 |
| 45 | 2028-06 | 3496.50 | 48.04 | 3448.46 | 13889.66 |
| 46 | 2028-07 | 3496.50 | 38.49 | 3458.02 | 10431.64 |
| 47 | 2028-08 | 3496.50 | 28.90 | 3467.60 | 6964.05 |
| 48 | 2028-09 | 3496.50 | 19.30 | 3477.21 | 3486.84 |
| 49 | 2028-10 | 3496.50 | 9.66 | 3486.84 | 0.00 |
等额本金还款方式：
贷款总额：16万
还款月数：4年1个月
首月还款：3708.64元
每月递减：9.05元
利息总额：1.11万
本息合计：17.11万
节省利息：245.27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 | 3708.64 | 443.33 | 3265.31 | 156734.69 |
| 2 | 2024-11 | 3699.59 | 434.29 | 3265.31 | 153469.39 |
| 3 | 2024-12 | 3690.54 | 425.24 | 3265.31 | 150204.08 |
| 4 | 2025-01 | 3681.50 | 416.19 | 3265.31 | 146938.78 |
| 5 | 2025-02 | 3672.45 | 407.14 | 3265.31 | 143673.47 |
| 6 | 2025-03 | 3663.40 | 398.10 | 3265.31 | 140408.16 |
| 7 | 2025-04 | 3654.35 | 389.05 | 3265.31 | 137142.86 |
| 8 | 2025-05 | 3645.31 | 380.00 | 3265.31 | 133877.55 |
| 9 | 2025-06 | 3636.26 | 370.95 | 3265.31 | 130612.24 |
| 10 | 2025-07 | 3627.21 | 361.90 | 3265.31 | 127346.94 |
| 11 | 2025-08 | 3618.16 | 352.86 | 3265.31 | 124081.63 |
| 12 | 2025-09 | 3609.12 | 343.81 | 3265.31 | 120816.33 |
| 13 | 2025-10 | 3600.07 | 334.76 | 3265.31 | 117551.02 |
| 14 | 2025-11 | 3591.02 | 325.71 | 3265.31 | 114285.71 |
| 15 | 2025-12 | 3581.97 | 316.67 | 3265.31 | 111020.41 |
| 16 | 2026-01 | 3572.93 | 307.62 | 3265.31 | 107755.10 |
| 17 | 2026-02 | 3563.88 | 298.57 | 3265.31 | 104489.80 |
| 18 | 2026-03 | 3554.83 | 289.52 | 3265.31 | 101224.49 |
| 19 | 2026-04 | 3545.78 | 280.48 | 3265.31 | 97959.18 |
| 20 | 2026-05 | 3536.73 | 271.43 | 3265.31 | 94693.88 |
| 21 | 2026-06 | 3527.69 | 262.38 | 3265.31 | 91428.57 |
| 22 | 2026-07 | 3518.64 | 253.33 | 3265.31 | 88163.27 |
| 23 | 2026-08 | 3509.59 | 244.29 | 3265.31 | 84897.96 |
| 24 | 2026-09 | 3500.54 | 235.24 | 3265.31 | 81632.65 |
| 25 | 2026-10 | 3491.50 | 226.19 | 3265.31 | 78367.35 |
| 26 | 2026-11 | 3482.45 | 217.14 | 3265.31 | 75102.04 |
| 27 | 2026-12 | 3473.40 | 208.10 | 3265.31 | 71836.73 |
| 28 | 2027-01 | 3464.35 | 199.05 | 3265.31 | 68571.43 |
| 29 | 2027-02 | 3455.31 | 190.00 | 3265.31 | 65306.12 |
| 30 | 2027-03 | 3446.26 | 180.95 | 3265.31 | 62040.82 |
| 31 | 2027-04 | 3437.21 | 171.90 | 3265.31 | 58775.51 |
| 32 | 2027-05 | 3428.16 | 162.86 | 3265.31 | 55510.20 |
| 33 | 2027-06 | 3419.12 | 153.81 | 3265.31 | 52244.90 |
| 34 | 2027-07 | 3410.07 | 144.76 | 3265.31 | 48979.59 |
| 35 | 2027-08 | 3401.02 | 135.71 | 3265.31 | 45714.29 |
| 36 | 2027-09 | 3391.97 | 126.67 | 3265.31 | 42448.98 |
| 37 | 2027-10 | 3382.93 | 117.62 | 3265.31 | 39183.67 |
| 38 | 2027-11 | 3373.88 | 108.57 | 3265.31 | 35918.37 |
| 39 | 2027-12 | 3364.83 | 99.52 | 3265.31 | 32653.06 |
| 40 | 2028-01 | 3355.78 | 90.48 | 3265.31 | 29387.76 |
| 41 | 2028-02 | 3346.73 | 81.43 | 3265.31 | 26122.45 |
| 42 | 2028-03 | 3337.69 | 72.38 | 3265.31 | 22857.14 |
| 43 | 2028-04 | 3328.64 | 63.33 | 3265.31 | 19591.84 |
| 44 | 2028-05 | 3319.59 | 54.29 | 3265.31 | 16326.53 |
| 45 | 2028-06 | 3310.54 | 45.24 | 3265.31 | 13061.22 |
| 46 | 2028-07 | 3301.50 | 36.19 | 3265.31 | 9795.92 |
| 47 | 2028-08 | 3292.45 | 27.14 | 3265.31 | 6530.61 |
| 48 | 2028-09 | 3283.40 | 18.10 | 3265.31 | 3265.31 |
| 49 | 2028-10 | 3274.35 | 9.05 | 3265.31 | 0.00 |