贷款90万（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：90万
还款月数：4年
每月还款：19861.28元
利息总额：5.33万
本息合计：95.33万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 19861.28 | 2137.50 | 17723.78 | 882276.22 |
| 2 | 2024-12 | 19861.28 | 2095.41 | 17765.88 | 864510.34 |
| 3 | 2025-01 | 19861.28 | 2053.21 | 17808.07 | 846702.26 |
| 4 | 2025-02 | 19861.28 | 2010.92 | 17850.37 | 828851.90 |
| 5 | 2025-03 | 19861.28 | 1968.52 | 17892.76 | 810959.14 |
| 6 | 2025-04 | 19861.28 | 1926.03 | 17935.26 | 793023.88 |
| 7 | 2025-05 | 19861.28 | 1883.43 | 17977.85 | 775046.03 |
| 8 | 2025-06 | 19861.28 | 1840.73 | 18020.55 | 757025.48 |
| 9 | 2025-07 | 19861.28 | 1797.94 | 18063.35 | 738962.13 |
| 10 | 2025-08 | 19861.28 | 1755.04 | 18106.25 | 720855.88 |
| 11 | 2025-09 | 19861.28 | 1712.03 | 18149.25 | 702706.63 |
| 12 | 2025-10 | 19861.28 | 1668.93 | 18192.36 | 684514.27 |
| 13 | 2025-11 | 19861.28 | 1625.72 | 18235.56 | 666278.71 |
| 14 | 2025-12 | 19861.28 | 1582.41 | 18278.87 | 647999.83 |
| 15 | 2026-01 | 19861.28 | 1539.00 | 18322.29 | 629677.55 |
| 16 | 2026-02 | 19861.28 | 1495.48 | 18365.80 | 611311.75 |
| 17 | 2026-03 | 19861.28 | 1451.87 | 18409.42 | 592902.33 |
| 18 | 2026-04 | 19861.28 | 1408.14 | 18453.14 | 574449.19 |
| 19 | 2026-05 | 19861.28 | 1364.32 | 18496.97 | 555952.22 |
| 20 | 2026-06 | 19861.28 | 1320.39 | 18540.90 | 537411.32 |
| 21 | 2026-07 | 19861.28 | 1276.35 | 18584.93 | 518826.39 |
| 22 | 2026-08 | 19861.28 | 1232.21 | 18629.07 | 500197.32 |
| 23 | 2026-09 | 19861.28 | 1187.97 | 18673.32 | 481524.00 |
| 24 | 2026-10 | 19861.28 | 1143.62 | 18717.67 | 462806.34 |
| 25 | 2026-11 | 19861.28 | 1099.17 | 18762.12 | 444044.22 |
| 26 | 2026-12 | 19861.28 | 1054.61 | 18806.68 | 425237.54 |
| 27 | 2027-01 | 19861.28 | 1009.94 | 18851.35 | 406386.19 |
| 28 | 2027-02 | 19861.28 | 965.17 | 18896.12 | 387490.07 |
| 29 | 2027-03 | 19861.28 | 920.29 | 18941.00 | 368549.08 |
| 30 | 2027-04 | 19861.28 | 875.30 | 18985.98 | 349563.10 |
| 31 | 2027-05 | 19861.28 | 830.21 | 19031.07 | 330532.02 |
| 32 | 2027-06 | 19861.28 | 785.01 | 19076.27 | 311455.75 |
| 33 | 2027-07 | 19861.28 | 739.71 | 19121.58 | 292334.18 |
| 34 | 2027-08 | 19861.28 | 694.29 | 19166.99 | 273167.19 |
| 35 | 2027-09 | 19861.28 | 648.77 | 19212.51 | 253954.67 |
| 36 | 2027-10 | 19861.28 | 603.14 | 19258.14 | 234696.53 |
| 37 | 2027-11 | 19861.28 | 557.40 | 19303.88 | 215392.65 |
| 38 | 2027-12 | 19861.28 | 511.56 | 19349.73 | 196042.92 |
| 39 | 2028-01 | 19861.28 | 465.60 | 19395.68 | 176647.24 |
| 40 | 2028-02 | 19861.28 | 419.54 | 19441.75 | 157205.49 |
| 41 | 2028-03 | 19861.28 | 373.36 | 19487.92 | 137717.57 |
| 42 | 2028-04 | 19861.28 | 327.08 | 19534.21 | 118183.37 |
| 43 | 2028-05 | 19861.28 | 280.69 | 19580.60 | 98602.77 |
| 44 | 2028-06 | 19861.28 | 234.18 | 19627.10 | 78975.66 |
| 45 | 2028-07 | 19861.28 | 187.57 | 19673.72 | 59301.95 |
| 46 | 2028-08 | 19861.28 | 140.84 | 19720.44 | 39581.50 |
| 47 | 2028-09 | 19861.28 | 94.01 | 19767.28 | 19814.23 |
| 48 | 2028-10 | 19861.28 | 47.06 | 19814.23 | 0.00 |
等额本金还款方式：
贷款总额：90万
还款月数：4年
首月还款：20887.5元
每月递减：44.53元
利息总额：5.24万
本息合计：95.24万
节省利息：972.91元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 20887.50 | 2137.50 | 18750.00 | 881250.00 |
| 2 | 2024-12 | 20842.97 | 2092.97 | 18750.00 | 862500.00 |
| 3 | 2025-01 | 20798.44 | 2048.44 | 18750.00 | 843750.00 |
| 4 | 2025-02 | 20753.91 | 2003.91 | 18750.00 | 825000.00 |
| 5 | 2025-03 | 20709.38 | 1959.38 | 18750.00 | 806250.00 |
| 6 | 2025-04 | 20664.84 | 1914.84 | 18750.00 | 787500.00 |
| 7 | 2025-05 | 20620.31 | 1870.31 | 18750.00 | 768750.00 |
| 8 | 2025-06 | 20575.78 | 1825.78 | 18750.00 | 750000.00 |
| 9 | 2025-07 | 20531.25 | 1781.25 | 18750.00 | 731250.00 |
| 10 | 2025-08 | 20486.72 | 1736.72 | 18750.00 | 712500.00 |
| 11 | 2025-09 | 20442.19 | 1692.19 | 18750.00 | 693750.00 |
| 12 | 2025-10 | 20397.66 | 1647.66 | 18750.00 | 675000.00 |
| 13 | 2025-11 | 20353.13 | 1603.13 | 18750.00 | 656250.00 |
| 14 | 2025-12 | 20308.59 | 1558.59 | 18750.00 | 637500.00 |
| 15 | 2026-01 | 20264.06 | 1514.06 | 18750.00 | 618750.00 |
| 16 | 2026-02 | 20219.53 | 1469.53 | 18750.00 | 600000.00 |
| 17 | 2026-03 | 20175.00 | 1425.00 | 18750.00 | 581250.00 |
| 18 | 2026-04 | 20130.47 | 1380.47 | 18750.00 | 562500.00 |
| 19 | 2026-05 | 20085.94 | 1335.94 | 18750.00 | 543750.00 |
| 20 | 2026-06 | 20041.41 | 1291.41 | 18750.00 | 525000.00 |
| 21 | 2026-07 | 19996.88 | 1246.88 | 18750.00 | 506250.00 |
| 22 | 2026-08 | 19952.34 | 1202.34 | 18750.00 | 487500.00 |
| 23 | 2026-09 | 19907.81 | 1157.81 | 18750.00 | 468750.00 |
| 24 | 2026-10 | 19863.28 | 1113.28 | 18750.00 | 450000.00 |
| 25 | 2026-11 | 19818.75 | 1068.75 | 18750.00 | 431250.00 |
| 26 | 2026-12 | 19774.22 | 1024.22 | 18750.00 | 412500.00 |
| 27 | 2027-01 | 19729.69 | 979.69 | 18750.00 | 393750.00 |
| 28 | 2027-02 | 19685.16 | 935.16 | 18750.00 | 375000.00 |
| 29 | 2027-03 | 19640.63 | 890.63 | 18750.00 | 356250.00 |
| 30 | 2027-04 | 19596.09 | 846.09 | 18750.00 | 337500.00 |
| 31 | 2027-05 | 19551.56 | 801.56 | 18750.00 | 318750.00 |
| 32 | 2027-06 | 19507.03 | 757.03 | 18750.00 | 300000.00 |
| 33 | 2027-07 | 19462.50 | 712.50 | 18750.00 | 281250.00 |
| 34 | 2027-08 | 19417.97 | 667.97 | 18750.00 | 262500.00 |
| 35 | 2027-09 | 19373.44 | 623.44 | 18750.00 | 243750.00 |
| 36 | 2027-10 | 19328.91 | 578.91 | 18750.00 | 225000.00 |
| 37 | 2027-11 | 19284.38 | 534.38 | 18750.00 | 206250.00 |
| 38 | 2027-12 | 19239.84 | 489.84 | 18750.00 | 187500.00 |
| 39 | 2028-01 | 19195.31 | 445.31 | 18750.00 | 168750.00 |
| 40 | 2028-02 | 19150.78 | 400.78 | 18750.00 | 150000.00 |
| 41 | 2028-03 | 19106.25 | 356.25 | 18750.00 | 131250.00 |
| 42 | 2028-04 | 19061.72 | 311.72 | 18750.00 | 112500.00 |
| 43 | 2028-05 | 19017.19 | 267.19 | 18750.00 | 93750.00 |
| 44 | 2028-06 | 18972.66 | 222.66 | 18750.00 | 75000.00 |
| 45 | 2028-07 | 18928.13 | 178.13 | 18750.00 | 56250.00 |
| 46 | 2028-08 | 18883.59 | 133.59 | 18750.00 | 37500.00 |
| 47 | 2028-09 | 18839.06 | 89.06 | 18750.00 | 18750.00 |
| 48 | 2028-10 | 18794.53 | 44.53 | 18750.00 | 0.00 |