贷款30万（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：30万
还款月数：4年
每月还款：6554.46元
利息总额：1.46万
本息合计：31.46万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 6554.46 | 587.50 | 5966.96 | 294033.04 |
| 2 | 2025-02 | 6554.46 | 575.81 | 5978.65 | 288054.39 |
| 3 | 2025-03 | 6554.46 | 564.11 | 5990.36 | 282064.03 |
| 4 | 2025-04 | 6554.46 | 552.38 | 6002.09 | 276061.94 |
| 5 | 2025-05 | 6554.46 | 540.62 | 6013.84 | 270048.09 |
| 6 | 2025-06 | 6554.46 | 528.84 | 6025.62 | 264022.47 |
| 7 | 2025-07 | 6554.46 | 517.04 | 6037.42 | 257985.05 |
| 8 | 2025-08 | 6554.46 | 505.22 | 6049.24 | 251935.81 |
| 9 | 2025-09 | 6554.46 | 493.37 | 6061.09 | 245874.72 |
| 10 | 2025-10 | 6554.46 | 481.50 | 6072.96 | 239801.76 |
| 11 | 2025-11 | 6554.46 | 469.61 | 6084.85 | 233716.91 |
| 12 | 2025-12 | 6554.46 | 457.70 | 6096.77 | 227620.14 |
| 13 | 2026-01 | 6554.46 | 445.76 | 6108.71 | 221511.43 |
| 14 | 2026-02 | 6554.46 | 433.79 | 6120.67 | 215390.76 |
| 15 | 2026-03 | 6554.46 | 421.81 | 6132.66 | 209258.10 |
| 16 | 2026-04 | 6554.46 | 409.80 | 6144.67 | 203113.43 |
| 17 | 2026-05 | 6554.46 | 397.76 | 6156.70 | 196956.73 |
| 18 | 2026-06 | 6554.46 | 385.71 | 6168.76 | 190787.97 |
| 19 | 2026-07 | 6554.46 | 373.63 | 6180.84 | 184607.13 |
| 20 | 2026-08 | 6554.46 | 361.52 | 6192.94 | 178414.19 |
| 21 | 2026-09 | 6554.46 | 349.39 | 6205.07 | 172209.12 |
| 22 | 2026-10 | 6554.46 | 337.24 | 6217.22 | 165991.90 |
| 23 | 2026-11 | 6554.46 | 325.07 | 6229.40 | 159762.50 |
| 24 | 2026-12 | 6554.46 | 312.87 | 6241.60 | 153520.91 |
| 25 | 2027-01 | 6554.46 | 300.65 | 6253.82 | 147267.09 |
| 26 | 2027-02 | 6554.46 | 288.40 | 6266.07 | 141001.02 |
| 27 | 2027-03 | 6554.46 | 276.13 | 6278.34 | 134722.68 |
| 28 | 2027-04 | 6554.46 | 263.83 | 6290.63 | 128432.05 |
| 29 | 2027-05 | 6554.46 | 251.51 | 6302.95 | 122129.10 |
| 30 | 2027-06 | 6554.46 | 239.17 | 6315.30 | 115813.80 |
| 31 | 2027-07 | 6554.46 | 226.80 | 6327.66 | 109486.14 |
| 32 | 2027-08 | 6554.46 | 214.41 | 6340.05 | 103146.09 |
| 33 | 2027-09 | 6554.46 | 201.99 | 6352.47 | 96793.61 |
| 34 | 2027-10 | 6554.46 | 189.55 | 6364.91 | 90428.70 |
| 35 | 2027-11 | 6554.46 | 177.09 | 6377.38 | 84051.33 |
| 36 | 2027-12 | 6554.46 | 164.60 | 6389.86 | 77661.46 |
| 37 | 2028-01 | 6554.46 | 152.09 | 6402.38 | 71259.09 |
| 38 | 2028-02 | 6554.46 | 139.55 | 6414.92 | 64844.17 |
| 39 | 2028-03 | 6554.46 | 126.99 | 6427.48 | 58416.69 |
| 40 | 2028-04 | 6554.46 | 114.40 | 6440.07 | 51976.63 |
| 41 | 2028-05 | 6554.46 | 101.79 | 6452.68 | 45523.95 |
| 42 | 2028-06 | 6554.46 | 89.15 | 6465.31 | 39058.64 |
| 43 | 2028-07 | 6554.46 | 76.49 | 6477.97 | 32580.66 |
| 44 | 2028-08 | 6554.46 | 63.80 | 6490.66 | 26090.00 |
| 45 | 2028-09 | 6554.46 | 51.09 | 6503.37 | 19586.63 |
| 46 | 2028-10 | 6554.46 | 38.36 | 6516.11 | 13070.52 |
| 47 | 2028-11 | 6554.46 | 25.60 | 6528.87 | 6541.65 |
| 48 | 2028-12 | 6554.46 | 12.81 | 6541.65 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：4年
首月还款：6837.5元
每月递减：12.24元
利息总额：1.44万
本息合计：31.44万
节省利息：220.56元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 6837.50 | 587.50 | 6250.00 | 293750.00 |
| 2 | 2025-02 | 6825.26 | 575.26 | 6250.00 | 287500.00 |
| 3 | 2025-03 | 6813.02 | 563.02 | 6250.00 | 281250.00 |
| 4 | 2025-04 | 6800.78 | 550.78 | 6250.00 | 275000.00 |
| 5 | 2025-05 | 6788.54 | 538.54 | 6250.00 | 268750.00 |
| 6 | 2025-06 | 6776.30 | 526.30 | 6250.00 | 262500.00 |
| 7 | 2025-07 | 6764.06 | 514.06 | 6250.00 | 256250.00 |
| 8 | 2025-08 | 6751.82 | 501.82 | 6250.00 | 250000.00 |
| 9 | 2025-09 | 6739.58 | 489.58 | 6250.00 | 243750.00 |
| 10 | 2025-10 | 6727.34 | 477.34 | 6250.00 | 237500.00 |
| 11 | 2025-11 | 6715.10 | 465.10 | 6250.00 | 231250.00 |
| 12 | 2025-12 | 6702.86 | 452.86 | 6250.00 | 225000.00 |
| 13 | 2026-01 | 6690.63 | 440.62 | 6250.00 | 218750.00 |
| 14 | 2026-02 | 6678.39 | 428.39 | 6250.00 | 212500.00 |
| 15 | 2026-03 | 6666.15 | 416.15 | 6250.00 | 206250.00 |
| 16 | 2026-04 | 6653.91 | 403.91 | 6250.00 | 200000.00 |
| 17 | 2026-05 | 6641.67 | 391.67 | 6250.00 | 193750.00 |
| 18 | 2026-06 | 6629.43 | 379.43 | 6250.00 | 187500.00 |
| 19 | 2026-07 | 6617.19 | 367.19 | 6250.00 | 181250.00 |
| 20 | 2026-08 | 6604.95 | 354.95 | 6250.00 | 175000.00 |
| 21 | 2026-09 | 6592.71 | 342.71 | 6250.00 | 168750.00 |
| 22 | 2026-10 | 6580.47 | 330.47 | 6250.00 | 162500.00 |
| 23 | 2026-11 | 6568.23 | 318.23 | 6250.00 | 156250.00 |
| 24 | 2026-12 | 6555.99 | 305.99 | 6250.00 | 150000.00 |
| 25 | 2027-01 | 6543.75 | 293.75 | 6250.00 | 143750.00 |
| 26 | 2027-02 | 6531.51 | 281.51 | 6250.00 | 137500.00 |
| 27 | 2027-03 | 6519.27 | 269.27 | 6250.00 | 131250.00 |
| 28 | 2027-04 | 6507.03 | 257.03 | 6250.00 | 125000.00 |
| 29 | 2027-05 | 6494.79 | 244.79 | 6250.00 | 118750.00 |
| 30 | 2027-06 | 6482.55 | 232.55 | 6250.00 | 112500.00 |
| 31 | 2027-07 | 6470.31 | 220.31 | 6250.00 | 106250.00 |
| 32 | 2027-08 | 6458.07 | 208.07 | 6250.00 | 100000.00 |
| 33 | 2027-09 | 6445.83 | 195.83 | 6250.00 | 93750.00 |
| 34 | 2027-10 | 6433.59 | 183.59 | 6250.00 | 87500.00 |
| 35 | 2027-11 | 6421.35 | 171.35 | 6250.00 | 81250.00 |
| 36 | 2027-12 | 6409.11 | 159.11 | 6250.00 | 75000.00 |
| 37 | 2028-01 | 6396.88 | 146.88 | 6250.00 | 68750.00 |
| 38 | 2028-02 | 6384.64 | 134.64 | 6250.00 | 62500.00 |
| 39 | 2028-03 | 6372.40 | 122.40 | 6250.00 | 56250.00 |
| 40 | 2028-04 | 6360.16 | 110.16 | 6250.00 | 50000.00 |
| 41 | 2028-05 | 6347.92 | 97.92 | 6250.00 | 43750.00 |
| 42 | 2028-06 | 6335.68 | 85.68 | 6250.00 | 37500.00 |
| 43 | 2028-07 | 6323.44 | 73.44 | 6250.00 | 31250.00 |
| 44 | 2028-08 | 6311.20 | 61.20 | 6250.00 | 25000.00 |
| 45 | 2028-09 | 6298.96 | 48.96 | 6250.00 | 18750.00 |
| 46 | 2028-10 | 6286.72 | 36.72 | 6250.00 | 12500.00 |
| 47 | 2028-11 | 6274.48 | 24.48 | 6250.00 | 6250.00 |
| 48 | 2028-12 | 6262.24 | 12.24 | 6250.00 | 0.00 |