贷款49万（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：49万
还款月数：4年
每月还款：10802.56元
利息总额：2.85万
本息合计：51.85万
| 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 | 10802.56 | 1143.33 | 9659.23 | 480340.77 |
| 2 | 2025-02 | 10802.56 | 1120.80 | 9681.77 | 470659.01 |
| 3 | 2025-03 | 10802.56 | 1098.20 | 9704.36 | 460954.65 |
| 4 | 2025-04 | 10802.56 | 1075.56 | 9727.00 | 451227.65 |
| 5 | 2025-05 | 10802.56 | 1052.86 | 9749.70 | 441477.95 |
| 6 | 2025-06 | 10802.56 | 1030.12 | 9772.45 | 431705.50 |
| 7 | 2025-07 | 10802.56 | 1007.31 | 9795.25 | 421910.26 |
| 8 | 2025-08 | 10802.56 | 984.46 | 9818.10 | 412092.15 |
| 9 | 2025-09 | 10802.56 | 961.55 | 9841.01 | 402251.14 |
| 10 | 2025-10 | 10802.56 | 938.59 | 9863.98 | 392387.16 |
| 11 | 2025-11 | 10802.56 | 915.57 | 9886.99 | 382500.17 |
| 12 | 2025-12 | 10802.56 | 892.50 | 9910.06 | 372590.11 |
| 13 | 2026-01 | 10802.56 | 869.38 | 9933.18 | 362656.92 |
| 14 | 2026-02 | 10802.56 | 846.20 | 9956.36 | 352700.56 |
| 15 | 2026-03 | 10802.56 | 822.97 | 9979.59 | 342720.97 |
| 16 | 2026-04 | 10802.56 | 799.68 | 10002.88 | 332718.09 |
| 17 | 2026-05 | 10802.56 | 776.34 | 10026.22 | 322691.87 |
| 18 | 2026-06 | 10802.56 | 752.95 | 10049.61 | 312642.26 |
| 19 | 2026-07 | 10802.56 | 729.50 | 10073.06 | 302569.19 |
| 20 | 2026-08 | 10802.56 | 705.99 | 10096.57 | 292472.63 |
| 21 | 2026-09 | 10802.56 | 682.44 | 10120.13 | 282352.50 |
| 22 | 2026-10 | 10802.56 | 658.82 | 10143.74 | 272208.76 |
| 23 | 2026-11 | 10802.56 | 635.15 | 10167.41 | 262041.35 |
| 24 | 2026-12 | 10802.56 | 611.43 | 10191.13 | 251850.22 |
| 25 | 2027-01 | 10802.56 | 587.65 | 10214.91 | 241635.31 |
| 26 | 2027-02 | 10802.56 | 563.82 | 10238.75 | 231396.57 |
| 27 | 2027-03 | 10802.56 | 539.93 | 10262.64 | 221133.93 |
| 28 | 2027-04 | 10802.56 | 515.98 | 10286.58 | 210847.35 |
| 29 | 2027-05 | 10802.56 | 491.98 | 10310.58 | 200536.76 |
| 30 | 2027-06 | 10802.56 | 467.92 | 10334.64 | 190202.12 |
| 31 | 2027-07 | 10802.56 | 443.80 | 10358.76 | 179843.36 |
| 32 | 2027-08 | 10802.56 | 419.63 | 10382.93 | 169460.44 |
| 33 | 2027-09 | 10802.56 | 395.41 | 10407.15 | 159053.28 |
| 34 | 2027-10 | 10802.56 | 371.12 | 10431.44 | 148621.85 |
| 35 | 2027-11 | 10802.56 | 346.78 | 10455.78 | 138166.07 |
| 36 | 2027-12 | 10802.56 | 322.39 | 10480.17 | 127685.89 |
| 37 | 2028-01 | 10802.56 | 297.93 | 10504.63 | 117181.27 |
| 38 | 2028-02 | 10802.56 | 273.42 | 10529.14 | 106652.13 |
| 39 | 2028-03 | 10802.56 | 248.85 | 10553.71 | 96098.42 |
| 40 | 2028-04 | 10802.56 | 224.23 | 10578.33 | 85520.09 |
| 41 | 2028-05 | 10802.56 | 199.55 | 10603.01 | 74917.08 |
| 42 | 2028-06 | 10802.56 | 174.81 | 10627.76 | 64289.32 |
| 43 | 2028-07 | 10802.56 | 150.01 | 10652.55 | 53636.77 |
| 44 | 2028-08 | 10802.56 | 125.15 | 10677.41 | 42959.36 |
| 45 | 2028-09 | 10802.56 | 100.24 | 10702.32 | 32257.03 |
| 46 | 2028-10 | 10802.56 | 75.27 | 10727.30 | 21529.74 |
| 47 | 2028-11 | 10802.56 | 50.24 | 10752.33 | 10777.41 |
| 48 | 2028-12 | 10802.56 | 25.15 | 10777.41 | 0.00 |
等额本金还款方式：
贷款总额：49万
还款月数：4年
首月还款：11351.67元
每月递减：23.82元
利息总额：2.8万
本息合计：51.8万
节省利息：511.29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 | 11351.67 | 1143.33 | 10208.33 | 479791.67 |
| 2 | 2025-02 | 11327.85 | 1119.51 | 10208.33 | 469583.33 |
| 3 | 2025-03 | 11304.03 | 1095.69 | 10208.33 | 459375.00 |
| 4 | 2025-04 | 11280.21 | 1071.88 | 10208.33 | 449166.67 |
| 5 | 2025-05 | 11256.39 | 1048.06 | 10208.33 | 438958.33 |
| 6 | 2025-06 | 11232.57 | 1024.24 | 10208.33 | 428750.00 |
| 7 | 2025-07 | 11208.75 | 1000.42 | 10208.33 | 418541.67 |
| 8 | 2025-08 | 11184.93 | 976.60 | 10208.33 | 408333.33 |
| 9 | 2025-09 | 11161.11 | 952.78 | 10208.33 | 398125.00 |
| 10 | 2025-10 | 11137.29 | 928.96 | 10208.33 | 387916.67 |
| 11 | 2025-11 | 11113.47 | 905.14 | 10208.33 | 377708.33 |
| 12 | 2025-12 | 11089.65 | 881.32 | 10208.33 | 367500.00 |
| 13 | 2026-01 | 11065.83 | 857.50 | 10208.33 | 357291.67 |
| 14 | 2026-02 | 11042.01 | 833.68 | 10208.33 | 347083.33 |
| 15 | 2026-03 | 11018.19 | 809.86 | 10208.33 | 336875.00 |
| 16 | 2026-04 | 10994.38 | 786.04 | 10208.33 | 326666.67 |
| 17 | 2026-05 | 10970.56 | 762.22 | 10208.33 | 316458.33 |
| 18 | 2026-06 | 10946.74 | 738.40 | 10208.33 | 306250.00 |
| 19 | 2026-07 | 10922.92 | 714.58 | 10208.33 | 296041.67 |
| 20 | 2026-08 | 10899.10 | 690.76 | 10208.33 | 285833.33 |
| 21 | 2026-09 | 10875.28 | 666.94 | 10208.33 | 275625.00 |
| 22 | 2026-10 | 10851.46 | 643.12 | 10208.33 | 265416.67 |
| 23 | 2026-11 | 10827.64 | 619.31 | 10208.33 | 255208.33 |
| 24 | 2026-12 | 10803.82 | 595.49 | 10208.33 | 245000.00 |
| 25 | 2027-01 | 10780.00 | 571.67 | 10208.33 | 234791.67 |
| 26 | 2027-02 | 10756.18 | 547.85 | 10208.33 | 224583.33 |
| 27 | 2027-03 | 10732.36 | 524.03 | 10208.33 | 214375.00 |
| 28 | 2027-04 | 10708.54 | 500.21 | 10208.33 | 204166.67 |
| 29 | 2027-05 | 10684.72 | 476.39 | 10208.33 | 193958.33 |
| 30 | 2027-06 | 10660.90 | 452.57 | 10208.33 | 183750.00 |
| 31 | 2027-07 | 10637.08 | 428.75 | 10208.33 | 173541.67 |
| 32 | 2027-08 | 10613.26 | 404.93 | 10208.33 | 163333.33 |
| 33 | 2027-09 | 10589.44 | 381.11 | 10208.33 | 153125.00 |
| 34 | 2027-10 | 10565.63 | 357.29 | 10208.33 | 142916.67 |
| 35 | 2027-11 | 10541.81 | 333.47 | 10208.33 | 132708.33 |
| 36 | 2027-12 | 10517.99 | 309.65 | 10208.33 | 122500.00 |
| 37 | 2028-01 | 10494.17 | 285.83 | 10208.33 | 112291.67 |
| 38 | 2028-02 | 10470.35 | 262.01 | 10208.33 | 102083.33 |
| 39 | 2028-03 | 10446.53 | 238.19 | 10208.33 | 91875.00 |
| 40 | 2028-04 | 10422.71 | 214.37 | 10208.33 | 81666.67 |
| 41 | 2028-05 | 10398.89 | 190.56 | 10208.33 | 71458.33 |
| 42 | 2028-06 | 10375.07 | 166.74 | 10208.33 | 61250.00 |
| 43 | 2028-07 | 10351.25 | 142.92 | 10208.33 | 51041.67 |
| 44 | 2028-08 | 10327.43 | 119.10 | 10208.33 | 40833.33 |
| 45 | 2028-09 | 10303.61 | 95.28 | 10208.33 | 30625.00 |
| 46 | 2028-10 | 10279.79 | 71.46 | 10208.33 | 20416.67 |
| 47 | 2028-11 | 10255.97 | 47.64 | 10208.33 | 10208.33 |
| 48 | 2028-12 | 10232.15 | 23.82 | 10208.33 | 0.00 |