贷款4.84万（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：4.84万
还款月数：4年
每月还款：1072.51元
利息总额：3122.5元
本息合计：5.15万
| 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 | 1072.51 | 124.92 | 947.59 | 47410.41 |
| 2 | 2024-12 | 1072.51 | 122.48 | 950.03 | 46460.38 |
| 3 | 2025-01 | 1072.51 | 120.02 | 952.49 | 45507.89 |
| 4 | 2025-02 | 1072.51 | 117.56 | 954.95 | 44552.94 |
| 5 | 2025-03 | 1072.51 | 115.10 | 957.42 | 43595.53 |
| 6 | 2025-04 | 1072.51 | 112.62 | 959.89 | 42635.64 |
| 7 | 2025-05 | 1072.51 | 110.14 | 962.37 | 41673.27 |
| 8 | 2025-06 | 1072.51 | 107.66 | 964.85 | 40708.42 |
| 9 | 2025-07 | 1072.51 | 105.16 | 967.35 | 39741.07 |
| 10 | 2025-08 | 1072.51 | 102.66 | 969.85 | 38771.23 |
| 11 | 2025-09 | 1072.51 | 100.16 | 972.35 | 37798.87 |
| 12 | 2025-10 | 1072.51 | 97.65 | 974.86 | 36824.01 |
| 13 | 2025-11 | 1072.51 | 95.13 | 977.38 | 35846.63 |
| 14 | 2025-12 | 1072.51 | 92.60 | 979.91 | 34866.72 |
| 15 | 2026-01 | 1072.51 | 90.07 | 982.44 | 33884.28 |
| 16 | 2026-02 | 1072.51 | 87.53 | 984.98 | 32899.31 |
| 17 | 2026-03 | 1072.51 | 84.99 | 987.52 | 31911.79 |
| 18 | 2026-04 | 1072.51 | 82.44 | 990.07 | 30921.72 |
| 19 | 2026-05 | 1072.51 | 79.88 | 992.63 | 29929.09 |
| 20 | 2026-06 | 1072.51 | 77.32 | 995.19 | 28933.89 |
| 21 | 2026-07 | 1072.51 | 74.75 | 997.76 | 27936.13 |
| 22 | 2026-08 | 1072.51 | 72.17 | 1000.34 | 26935.79 |
| 23 | 2026-09 | 1072.51 | 69.58 | 1002.93 | 25932.86 |
| 24 | 2026-10 | 1072.51 | 66.99 | 1005.52 | 24927.34 |
| 25 | 2026-11 | 1072.51 | 64.40 | 1008.11 | 23919.23 |
| 26 | 2026-12 | 1072.51 | 61.79 | 1010.72 | 22908.51 |
| 27 | 2027-01 | 1072.51 | 59.18 | 1013.33 | 21895.18 |
| 28 | 2027-02 | 1072.51 | 56.56 | 1015.95 | 20879.23 |
| 29 | 2027-03 | 1072.51 | 53.94 | 1018.57 | 19860.66 |
| 30 | 2027-04 | 1072.51 | 51.31 | 1021.20 | 18839.46 |
| 31 | 2027-05 | 1072.51 | 48.67 | 1023.84 | 17815.61 |
| 32 | 2027-06 | 1072.51 | 46.02 | 1026.49 | 16789.13 |
| 33 | 2027-07 | 1072.51 | 43.37 | 1029.14 | 15759.99 |
| 34 | 2027-08 | 1072.51 | 40.71 | 1031.80 | 14728.19 |
| 35 | 2027-09 | 1072.51 | 38.05 | 1034.46 | 13693.73 |
| 36 | 2027-10 | 1072.51 | 35.38 | 1037.13 | 12656.59 |
| 37 | 2027-11 | 1072.51 | 32.70 | 1039.81 | 11616.78 |
| 38 | 2027-12 | 1072.51 | 30.01 | 1042.50 | 10574.28 |
| 39 | 2028-01 | 1072.51 | 27.32 | 1045.19 | 9529.09 |
| 40 | 2028-02 | 1072.51 | 24.62 | 1047.89 | 8481.19 |
| 41 | 2028-03 | 1072.51 | 21.91 | 1050.60 | 7430.59 |
| 42 | 2028-04 | 1072.51 | 19.20 | 1053.31 | 6377.28 |
| 43 | 2028-05 | 1072.51 | 16.47 | 1056.04 | 5321.24 |
| 44 | 2028-06 | 1072.51 | 13.75 | 1058.76 | 4262.48 |
| 45 | 2028-07 | 1072.51 | 11.01 | 1061.50 | 3200.98 |
| 46 | 2028-08 | 1072.51 | 8.27 | 1064.24 | 2136.74 |
| 47 | 2028-09 | 1072.51 | 5.52 | 1066.99 | 1069.75 |
| 48 | 2028-10 | 1072.51 | 2.76 | 1069.75 | 0.00 |
等额本金还款方式：
贷款总额：4.84万
还款月数：4年
首月还款：1132.38元
每月递减：2.6元
利息总额：3060.66元
本息合计：5.14万
节省利息：61.84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 | 1132.38 | 124.92 | 1007.46 | 47350.54 |
| 2 | 2024-12 | 1129.78 | 122.32 | 1007.46 | 46343.08 |
| 3 | 2025-01 | 1127.18 | 119.72 | 1007.46 | 45335.63 |
| 4 | 2025-02 | 1124.58 | 117.12 | 1007.46 | 44328.17 |
| 5 | 2025-03 | 1121.97 | 114.51 | 1007.46 | 43320.71 |
| 6 | 2025-04 | 1119.37 | 111.91 | 1007.46 | 42313.25 |
| 7 | 2025-05 | 1116.77 | 109.31 | 1007.46 | 41305.79 |
| 8 | 2025-06 | 1114.16 | 106.71 | 1007.46 | 40298.33 |
| 9 | 2025-07 | 1111.56 | 104.10 | 1007.46 | 39290.88 |
| 10 | 2025-08 | 1108.96 | 101.50 | 1007.46 | 38283.42 |
| 11 | 2025-09 | 1106.36 | 98.90 | 1007.46 | 37275.96 |
| 12 | 2025-10 | 1103.75 | 96.30 | 1007.46 | 36268.50 |
| 13 | 2025-11 | 1101.15 | 93.69 | 1007.46 | 35261.04 |
| 14 | 2025-12 | 1098.55 | 91.09 | 1007.46 | 34253.58 |
| 15 | 2026-01 | 1095.95 | 88.49 | 1007.46 | 33246.13 |
| 16 | 2026-02 | 1093.34 | 85.89 | 1007.46 | 32238.67 |
| 17 | 2026-03 | 1090.74 | 83.28 | 1007.46 | 31231.21 |
| 18 | 2026-04 | 1088.14 | 80.68 | 1007.46 | 30223.75 |
| 19 | 2026-05 | 1085.54 | 78.08 | 1007.46 | 29216.29 |
| 20 | 2026-06 | 1082.93 | 75.48 | 1007.46 | 28208.83 |
| 21 | 2026-07 | 1080.33 | 72.87 | 1007.46 | 27201.38 |
| 22 | 2026-08 | 1077.73 | 70.27 | 1007.46 | 26193.92 |
| 23 | 2026-09 | 1075.13 | 67.67 | 1007.46 | 25186.46 |
| 24 | 2026-10 | 1072.52 | 65.07 | 1007.46 | 24179.00 |
| 25 | 2026-11 | 1069.92 | 62.46 | 1007.46 | 23171.54 |
| 26 | 2026-12 | 1067.32 | 59.86 | 1007.46 | 22164.08 |
| 27 | 2027-01 | 1064.72 | 57.26 | 1007.46 | 21156.63 |
| 28 | 2027-02 | 1062.11 | 54.65 | 1007.46 | 20149.17 |
| 29 | 2027-03 | 1059.51 | 52.05 | 1007.46 | 19141.71 |
| 30 | 2027-04 | 1056.91 | 49.45 | 1007.46 | 18134.25 |
| 31 | 2027-05 | 1054.31 | 46.85 | 1007.46 | 17126.79 |
| 32 | 2027-06 | 1051.70 | 44.24 | 1007.46 | 16119.33 |
| 33 | 2027-07 | 1049.10 | 41.64 | 1007.46 | 15111.88 |
| 34 | 2027-08 | 1046.50 | 39.04 | 1007.46 | 14104.42 |
| 35 | 2027-09 | 1043.89 | 36.44 | 1007.46 | 13096.96 |
| 36 | 2027-10 | 1041.29 | 33.83 | 1007.46 | 12089.50 |
| 37 | 2027-11 | 1038.69 | 31.23 | 1007.46 | 11082.04 |
| 38 | 2027-12 | 1036.09 | 28.63 | 1007.46 | 10074.58 |
| 39 | 2028-01 | 1033.48 | 26.03 | 1007.46 | 9067.13 |
| 40 | 2028-02 | 1030.88 | 23.42 | 1007.46 | 8059.67 |
| 41 | 2028-03 | 1028.28 | 20.82 | 1007.46 | 7052.21 |
| 42 | 2028-04 | 1025.68 | 18.22 | 1007.46 | 6044.75 |
| 43 | 2028-05 | 1023.07 | 15.62 | 1007.46 | 5037.29 |
| 44 | 2028-06 | 1020.47 | 13.01 | 1007.46 | 4029.83 |
| 45 | 2028-07 | 1017.87 | 10.41 | 1007.46 | 3022.38 |
| 46 | 2028-08 | 1015.27 | 7.81 | 1007.46 | 2014.92 |
| 47 | 2028-09 | 1012.66 | 5.21 | 1007.46 | 1007.46 |
| 48 | 2028-10 | 1010.06 | 2.60 | 1007.46 | 0.00 |