贷款500元（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：500元
还款月数：4年
每月还款：11.12元
利息总额：33.88元
本息合计：533.88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 | 11.12 | 1.35 | 9.77 | 490.23 |
| 2 | 2025-02 | 11.12 | 1.33 | 9.79 | 480.44 |
| 3 | 2025-03 | 11.12 | 1.30 | 9.82 | 470.62 |
| 4 | 2025-04 | 11.12 | 1.27 | 9.85 | 460.77 |
| 5 | 2025-05 | 11.12 | 1.25 | 9.87 | 450.89 |
| 6 | 2025-06 | 11.12 | 1.22 | 9.90 | 440.99 |
| 7 | 2025-07 | 11.12 | 1.19 | 9.93 | 431.06 |
| 8 | 2025-08 | 11.12 | 1.17 | 9.96 | 421.11 |
| 9 | 2025-09 | 11.12 | 1.14 | 9.98 | 411.13 |
| 10 | 2025-10 | 11.12 | 1.11 | 10.01 | 401.12 |
| 11 | 2025-11 | 11.12 | 1.09 | 10.04 | 391.08 |
| 12 | 2025-12 | 11.12 | 1.06 | 10.06 | 381.02 |
| 13 | 2026-01 | 11.12 | 1.03 | 10.09 | 370.93 |
| 14 | 2026-02 | 11.12 | 1.00 | 10.12 | 360.81 |
| 15 | 2026-03 | 11.12 | 0.98 | 10.15 | 350.66 |
| 16 | 2026-04 | 11.12 | 0.95 | 10.17 | 340.49 |
| 17 | 2026-05 | 11.12 | 0.92 | 10.20 | 330.29 |
| 18 | 2026-06 | 11.12 | 0.89 | 10.23 | 320.06 |
| 19 | 2026-07 | 11.12 | 0.87 | 10.26 | 309.81 |
| 20 | 2026-08 | 11.12 | 0.84 | 10.28 | 299.52 |
| 21 | 2026-09 | 11.12 | 0.81 | 10.31 | 289.21 |
| 22 | 2026-10 | 11.12 | 0.78 | 10.34 | 278.87 |
| 23 | 2026-11 | 11.12 | 0.76 | 10.37 | 268.51 |
| 24 | 2026-12 | 11.12 | 0.73 | 10.40 | 258.11 |
| 25 | 2027-01 | 11.12 | 0.70 | 10.42 | 247.69 |
| 26 | 2027-02 | 11.12 | 0.67 | 10.45 | 237.24 |
| 27 | 2027-03 | 11.12 | 0.64 | 10.48 | 226.76 |
| 28 | 2027-04 | 11.12 | 0.61 | 10.51 | 216.25 |
| 29 | 2027-05 | 11.12 | 0.59 | 10.54 | 205.71 |
| 30 | 2027-06 | 11.12 | 0.56 | 10.57 | 195.15 |
| 31 | 2027-07 | 11.12 | 0.53 | 10.59 | 184.55 |
| 32 | 2027-08 | 11.12 | 0.50 | 10.62 | 173.93 |
| 33 | 2027-09 | 11.12 | 0.47 | 10.65 | 163.28 |
| 34 | 2027-10 | 11.12 | 0.44 | 10.68 | 152.60 |
| 35 | 2027-11 | 11.12 | 0.41 | 10.71 | 141.89 |
| 36 | 2027-12 | 11.12 | 0.38 | 10.74 | 131.15 |
| 37 | 2028-01 | 11.12 | 0.36 | 10.77 | 120.38 |
| 38 | 2028-02 | 11.12 | 0.33 | 10.80 | 109.59 |
| 39 | 2028-03 | 11.12 | 0.30 | 10.83 | 98.76 |
| 40 | 2028-04 | 11.12 | 0.27 | 10.86 | 87.91 |
| 41 | 2028-05 | 11.12 | 0.24 | 10.88 | 77.02 |
| 42 | 2028-06 | 11.12 | 0.21 | 10.91 | 66.11 |
| 43 | 2028-07 | 11.12 | 0.18 | 10.94 | 55.16 |
| 44 | 2028-08 | 11.12 | 0.15 | 10.97 | 44.19 |
| 45 | 2028-09 | 11.12 | 0.12 | 11.00 | 33.19 |
| 46 | 2028-10 | 11.12 | 0.09 | 11.03 | 22.15 |
| 47 | 2028-11 | 11.12 | 0.06 | 11.06 | 11.09 |
| 48 | 2028-12 | 11.12 | 0.03 | 11.09 | 0.00 |
等额本金还款方式：
贷款总额：500元
还款月数：4年
首月还款：11.77元
每月递减：0.03元
利息总额：33.18元
本息合计：533.18元
节省利息：0.7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 | 11.77 | 1.35 | 10.42 | 489.58 |
| 2 | 2025-02 | 11.74 | 1.33 | 10.42 | 479.17 |
| 3 | 2025-03 | 11.71 | 1.30 | 10.42 | 468.75 |
| 4 | 2025-04 | 11.69 | 1.27 | 10.42 | 458.33 |
| 5 | 2025-05 | 11.66 | 1.24 | 10.42 | 447.92 |
| 6 | 2025-06 | 11.63 | 1.21 | 10.42 | 437.50 |
| 7 | 2025-07 | 11.60 | 1.18 | 10.42 | 427.08 |
| 8 | 2025-08 | 11.57 | 1.16 | 10.42 | 416.67 |
| 9 | 2025-09 | 11.55 | 1.13 | 10.42 | 406.25 |
| 10 | 2025-10 | 11.52 | 1.10 | 10.42 | 395.83 |
| 11 | 2025-11 | 11.49 | 1.07 | 10.42 | 385.42 |
| 12 | 2025-12 | 11.46 | 1.04 | 10.42 | 375.00 |
| 13 | 2026-01 | 11.43 | 1.02 | 10.42 | 364.58 |
| 14 | 2026-02 | 11.40 | 0.99 | 10.42 | 354.17 |
| 15 | 2026-03 | 11.38 | 0.96 | 10.42 | 343.75 |
| 16 | 2026-04 | 11.35 | 0.93 | 10.42 | 333.33 |
| 17 | 2026-05 | 11.32 | 0.90 | 10.42 | 322.92 |
| 18 | 2026-06 | 11.29 | 0.87 | 10.42 | 312.50 |
| 19 | 2026-07 | 11.26 | 0.85 | 10.42 | 302.08 |
| 20 | 2026-08 | 11.23 | 0.82 | 10.42 | 291.67 |
| 21 | 2026-09 | 11.21 | 0.79 | 10.42 | 281.25 |
| 22 | 2026-10 | 11.18 | 0.76 | 10.42 | 270.83 |
| 23 | 2026-11 | 11.15 | 0.73 | 10.42 | 260.42 |
| 24 | 2026-12 | 11.12 | 0.71 | 10.42 | 250.00 |
| 25 | 2027-01 | 11.09 | 0.68 | 10.42 | 239.58 |
| 26 | 2027-02 | 11.07 | 0.65 | 10.42 | 229.17 |
| 27 | 2027-03 | 11.04 | 0.62 | 10.42 | 218.75 |
| 28 | 2027-04 | 11.01 | 0.59 | 10.42 | 208.33 |
| 29 | 2027-05 | 10.98 | 0.56 | 10.42 | 197.92 |
| 30 | 2027-06 | 10.95 | 0.54 | 10.42 | 187.50 |
| 31 | 2027-07 | 10.92 | 0.51 | 10.42 | 177.08 |
| 32 | 2027-08 | 10.90 | 0.48 | 10.42 | 166.67 |
| 33 | 2027-09 | 10.87 | 0.45 | 10.42 | 156.25 |
| 34 | 2027-10 | 10.84 | 0.42 | 10.42 | 145.83 |
| 35 | 2027-11 | 10.81 | 0.39 | 10.42 | 135.42 |
| 36 | 2027-12 | 10.78 | 0.37 | 10.42 | 125.00 |
| 37 | 2028-01 | 10.76 | 0.34 | 10.42 | 114.58 |
| 38 | 2028-02 | 10.73 | 0.31 | 10.42 | 104.17 |
| 39 | 2028-03 | 10.70 | 0.28 | 10.42 | 93.75 |
| 40 | 2028-04 | 10.67 | 0.25 | 10.42 | 83.33 |
| 41 | 2028-05 | 10.64 | 0.23 | 10.42 | 72.92 |
| 42 | 2028-06 | 10.61 | 0.20 | 10.42 | 62.50 |
| 43 | 2028-07 | 10.59 | 0.17 | 10.42 | 52.08 |
| 44 | 2028-08 | 10.56 | 0.14 | 10.42 | 41.67 |
| 45 | 2028-09 | 10.53 | 0.11 | 10.42 | 31.25 |
| 46 | 2028-10 | 10.50 | 0.08 | 10.42 | 20.83 |
| 47 | 2028-11 | 10.47 | 0.06 | 10.42 | 10.42 |
| 48 | 2028-12 | 10.44 | 0.03 | 10.42 | 0.00 |