贷款18万（公积金贷款）房贷，还款3年11个月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：18万
还款月数：3年11个月
每月还款：4089.87元
利息总额：1.22万
本息合计：19.22万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 4089.87 | 498.75 | 3591.12 | 176408.88 |
| 2 | 2025-04 | 4089.87 | 488.80 | 3601.07 | 172807.81 |
| 3 | 2025-05 | 4089.87 | 478.82 | 3611.05 | 169196.76 |
| 4 | 2025-06 | 4089.87 | 468.82 | 3621.05 | 165575.71 |
| 5 | 2025-07 | 4089.87 | 458.78 | 3631.09 | 161944.62 |
| 6 | 2025-08 | 4089.87 | 448.72 | 3641.15 | 158303.48 |
| 7 | 2025-09 | 4089.87 | 438.63 | 3651.24 | 154652.24 |
| 8 | 2025-10 | 4089.87 | 428.52 | 3661.35 | 150990.89 |
| 9 | 2025-11 | 4089.87 | 418.37 | 3671.50 | 147319.39 |
| 10 | 2025-12 | 4089.87 | 408.20 | 3681.67 | 143637.71 |
| 11 | 2026-01 | 4089.87 | 398.00 | 3691.87 | 139945.84 |
| 12 | 2026-02 | 4089.87 | 387.77 | 3702.10 | 136243.74 |
| 13 | 2026-03 | 4089.87 | 377.51 | 3712.36 | 132531.38 |
| 14 | 2026-04 | 4089.87 | 367.22 | 3722.65 | 128808.73 |
| 15 | 2026-05 | 4089.87 | 356.91 | 3732.96 | 125075.77 |
| 16 | 2026-06 | 4089.87 | 346.56 | 3743.31 | 121332.46 |
| 17 | 2026-07 | 4089.87 | 336.19 | 3753.68 | 117578.79 |
| 18 | 2026-08 | 4089.87 | 325.79 | 3764.08 | 113814.71 |
| 19 | 2026-09 | 4089.87 | 315.36 | 3774.51 | 110040.20 |
| 20 | 2026-10 | 4089.87 | 304.90 | 3784.97 | 106255.24 |
| 21 | 2026-11 | 4089.87 | 294.42 | 3795.45 | 102459.78 |
| 22 | 2026-12 | 4089.87 | 283.90 | 3805.97 | 98653.81 |
| 23 | 2027-01 | 4089.87 | 273.35 | 3816.52 | 94837.30 |
| 24 | 2027-02 | 4089.87 | 262.78 | 3827.09 | 91010.20 |
| 25 | 2027-03 | 4089.87 | 252.17 | 3837.70 | 87172.51 |
| 26 | 2027-04 | 4089.87 | 241.54 | 3848.33 | 83324.18 |
| 27 | 2027-05 | 4089.87 | 230.88 | 3858.99 | 79465.19 |
| 28 | 2027-06 | 4089.87 | 220.18 | 3869.68 | 75595.50 |
| 29 | 2027-07 | 4089.87 | 209.46 | 3880.41 | 71715.10 |
| 30 | 2027-08 | 4089.87 | 198.71 | 3891.16 | 67823.94 |
| 31 | 2027-09 | 4089.87 | 187.93 | 3901.94 | 63922.00 |
| 32 | 2027-10 | 4089.87 | 177.12 | 3912.75 | 60009.25 |
| 33 | 2027-11 | 4089.87 | 166.28 | 3923.59 | 56085.65 |
| 34 | 2027-12 | 4089.87 | 155.40 | 3934.47 | 52151.19 |
| 35 | 2028-01 | 4089.87 | 144.50 | 3945.37 | 48205.82 |
| 36 | 2028-02 | 4089.87 | 133.57 | 3956.30 | 44249.52 |
| 37 | 2028-03 | 4089.87 | 122.61 | 3967.26 | 40282.26 |
| 38 | 2028-04 | 4089.87 | 111.62 | 3978.25 | 36304.01 |
| 39 | 2028-05 | 4089.87 | 100.59 | 3989.28 | 32314.73 |
| 40 | 2028-06 | 4089.87 | 89.54 | 4000.33 | 28314.40 |
| 41 | 2028-07 | 4089.87 | 78.45 | 4011.41 | 24302.98 |
| 42 | 2028-08 | 4089.87 | 67.34 | 4022.53 | 20280.45 |
| 43 | 2028-09 | 4089.87 | 56.19 | 4033.68 | 16246.78 |
| 44 | 2028-10 | 4089.87 | 45.02 | 4044.85 | 12201.93 |
| 45 | 2028-11 | 4089.87 | 33.81 | 4056.06 | 8145.87 |
| 46 | 2028-12 | 4089.87 | 22.57 | 4067.30 | 4078.57 |
| 47 | 2029-01 | 4089.87 | 11.30 | 4078.57 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：3年11个月
首月还款：4328.54元
每月递减：10.61元
利息总额：1.2万
本息合计：19.2万
节省利息：253.86元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 4328.54 | 498.75 | 3829.79 | 176170.21 |
| 2 | 2025-04 | 4317.93 | 488.14 | 3829.79 | 172340.43 |
| 3 | 2025-05 | 4307.31 | 477.53 | 3829.79 | 168510.64 |
| 4 | 2025-06 | 4296.70 | 466.91 | 3829.79 | 164680.85 |
| 5 | 2025-07 | 4286.09 | 456.30 | 3829.79 | 160851.06 |
| 6 | 2025-08 | 4275.48 | 445.69 | 3829.79 | 157021.28 |
| 7 | 2025-09 | 4264.87 | 435.08 | 3829.79 | 153191.49 |
| 8 | 2025-10 | 4254.26 | 424.47 | 3829.79 | 149361.70 |
| 9 | 2025-11 | 4243.64 | 413.86 | 3829.79 | 145531.91 |
| 10 | 2025-12 | 4233.03 | 403.24 | 3829.79 | 141702.13 |
| 11 | 2026-01 | 4222.42 | 392.63 | 3829.79 | 137872.34 |
| 12 | 2026-02 | 4211.81 | 382.02 | 3829.79 | 134042.55 |
| 13 | 2026-03 | 4201.20 | 371.41 | 3829.79 | 130212.77 |
| 14 | 2026-04 | 4190.59 | 360.80 | 3829.79 | 126382.98 |
| 15 | 2026-05 | 4179.97 | 350.19 | 3829.79 | 122553.19 |
| 16 | 2026-06 | 4169.36 | 339.57 | 3829.79 | 118723.40 |
| 17 | 2026-07 | 4158.75 | 328.96 | 3829.79 | 114893.62 |
| 18 | 2026-08 | 4148.14 | 318.35 | 3829.79 | 111063.83 |
| 19 | 2026-09 | 4137.53 | 307.74 | 3829.79 | 107234.04 |
| 20 | 2026-10 | 4126.91 | 297.13 | 3829.79 | 103404.26 |
| 21 | 2026-11 | 4116.30 | 286.52 | 3829.79 | 99574.47 |
| 22 | 2026-12 | 4105.69 | 275.90 | 3829.79 | 95744.68 |
| 23 | 2027-01 | 4095.08 | 265.29 | 3829.79 | 91914.89 |
| 24 | 2027-02 | 4084.47 | 254.68 | 3829.79 | 88085.11 |
| 25 | 2027-03 | 4073.86 | 244.07 | 3829.79 | 84255.32 |
| 26 | 2027-04 | 4063.24 | 233.46 | 3829.79 | 80425.53 |
| 27 | 2027-05 | 4052.63 | 222.85 | 3829.79 | 76595.74 |
| 28 | 2027-06 | 4042.02 | 212.23 | 3829.79 | 72765.96 |
| 29 | 2027-07 | 4031.41 | 201.62 | 3829.79 | 68936.17 |
| 30 | 2027-08 | 4020.80 | 191.01 | 3829.79 | 65106.38 |
| 31 | 2027-09 | 4010.19 | 180.40 | 3829.79 | 61276.60 |
| 32 | 2027-10 | 3999.57 | 169.79 | 3829.79 | 57446.81 |
| 33 | 2027-11 | 3988.96 | 159.18 | 3829.79 | 53617.02 |
| 34 | 2027-12 | 3978.35 | 148.56 | 3829.79 | 49787.23 |
| 35 | 2028-01 | 3967.74 | 137.95 | 3829.79 | 45957.45 |
| 36 | 2028-02 | 3957.13 | 127.34 | 3829.79 | 42127.66 |
| 37 | 2028-03 | 3946.52 | 116.73 | 3829.79 | 38297.87 |
| 38 | 2028-04 | 3935.90 | 106.12 | 3829.79 | 34468.09 |
| 39 | 2028-05 | 3925.29 | 95.51 | 3829.79 | 30638.30 |
| 40 | 2028-06 | 3914.68 | 84.89 | 3829.79 | 26808.51 |
| 41 | 2028-07 | 3904.07 | 74.28 | 3829.79 | 22978.72 |
| 42 | 2028-08 | 3893.46 | 63.67 | 3829.79 | 19148.94 |
| 43 | 2028-09 | 3882.85 | 53.06 | 3829.79 | 15319.15 |
| 44 | 2028-10 | 3872.23 | 42.45 | 3829.79 | 11489.36 |
| 45 | 2028-11 | 3861.62 | 31.84 | 3829.79 | 7659.57 |
| 46 | 2028-12 | 3851.01 | 21.22 | 3829.79 | 3829.79 |
| 47 | 2029-01 | 3840.40 | 10.61 | 3829.79 | 0.00 |