贷款13万（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：13万
还款月数：4年
每月还款：2868.85元
利息总额：7704.91元
本息合计：13.77万
| 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 | 2868.85 | 308.75 | 2560.10 | 127439.90 |
| 2 | 2025-04 | 2868.85 | 302.67 | 2566.18 | 124873.72 |
| 3 | 2025-05 | 2868.85 | 296.58 | 2572.28 | 122301.44 |
| 4 | 2025-06 | 2868.85 | 290.47 | 2578.39 | 119723.05 |
| 5 | 2025-07 | 2868.85 | 284.34 | 2584.51 | 117138.54 |
| 6 | 2025-08 | 2868.85 | 278.20 | 2590.65 | 114547.89 |
| 7 | 2025-09 | 2868.85 | 272.05 | 2596.80 | 111951.09 |
| 8 | 2025-10 | 2868.85 | 265.88 | 2602.97 | 109348.12 |
| 9 | 2025-11 | 2868.85 | 259.70 | 2609.15 | 106738.97 |
| 10 | 2025-12 | 2868.85 | 253.51 | 2615.35 | 104123.63 |
| 11 | 2026-01 | 2868.85 | 247.29 | 2621.56 | 101502.07 |
| 12 | 2026-02 | 2868.85 | 241.07 | 2627.78 | 98874.28 |
| 13 | 2026-03 | 2868.85 | 234.83 | 2634.03 | 96240.26 |
| 14 | 2026-04 | 2868.85 | 228.57 | 2640.28 | 93599.98 |
| 15 | 2026-05 | 2868.85 | 222.30 | 2646.55 | 90953.42 |
| 16 | 2026-06 | 2868.85 | 216.01 | 2652.84 | 88300.59 |
| 17 | 2026-07 | 2868.85 | 209.71 | 2659.14 | 85641.45 |
| 18 | 2026-08 | 2868.85 | 203.40 | 2665.45 | 82975.99 |
| 19 | 2026-09 | 2868.85 | 197.07 | 2671.78 | 80304.21 |
| 20 | 2026-10 | 2868.85 | 190.72 | 2678.13 | 77626.08 |
| 21 | 2026-11 | 2868.85 | 184.36 | 2684.49 | 74941.59 |
| 22 | 2026-12 | 2868.85 | 177.99 | 2690.87 | 72250.72 |
| 23 | 2027-01 | 2868.85 | 171.60 | 2697.26 | 69553.47 |
| 24 | 2027-02 | 2868.85 | 165.19 | 2703.66 | 66849.80 |
| 25 | 2027-03 | 2868.85 | 158.77 | 2710.08 | 64139.72 |
| 26 | 2027-04 | 2868.85 | 152.33 | 2716.52 | 61423.20 |
| 27 | 2027-05 | 2868.85 | 145.88 | 2722.97 | 58700.23 |
| 28 | 2027-06 | 2868.85 | 139.41 | 2729.44 | 55970.79 |
| 29 | 2027-07 | 2868.85 | 132.93 | 2735.92 | 53234.87 |
| 30 | 2027-08 | 2868.85 | 126.43 | 2742.42 | 50492.45 |
| 31 | 2027-09 | 2868.85 | 119.92 | 2748.93 | 47743.51 |
| 32 | 2027-10 | 2868.85 | 113.39 | 2755.46 | 44988.05 |
| 33 | 2027-11 | 2868.85 | 106.85 | 2762.01 | 42226.05 |
| 34 | 2027-12 | 2868.85 | 100.29 | 2768.57 | 39457.48 |
| 35 | 2028-01 | 2868.85 | 93.71 | 2775.14 | 36682.34 |
| 36 | 2028-02 | 2868.85 | 87.12 | 2781.73 | 33900.61 |
| 37 | 2028-03 | 2868.85 | 80.51 | 2788.34 | 31112.27 |
| 38 | 2028-04 | 2868.85 | 73.89 | 2794.96 | 28317.31 |
| 39 | 2028-05 | 2868.85 | 67.25 | 2801.60 | 25515.71 |
| 40 | 2028-06 | 2868.85 | 60.60 | 2808.25 | 22707.46 |
| 41 | 2028-07 | 2868.85 | 53.93 | 2814.92 | 19892.54 |
| 42 | 2028-08 | 2868.85 | 47.24 | 2821.61 | 17070.93 |
| 43 | 2028-09 | 2868.85 | 40.54 | 2828.31 | 14242.62 |
| 44 | 2028-10 | 2868.85 | 33.83 | 2835.03 | 11407.60 |
| 45 | 2028-11 | 2868.85 | 27.09 | 2841.76 | 8565.84 |
| 46 | 2028-12 | 2868.85 | 20.34 | 2848.51 | 5717.33 |
| 47 | 2029-01 | 2868.85 | 13.58 | 2855.27 | 2862.05 |
| 48 | 2029-02 | 2868.85 | 6.80 | 2862.05 | 0.00 |
等额本金还款方式：
贷款总额：13万
还款月数：4年
首月还款：3017.08元
每月递减：6.43元
利息总额：7564.38元
本息合计：13.76万
节省利息：140.53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 | 3017.08 | 308.75 | 2708.33 | 127291.67 |
| 2 | 2025-04 | 3010.65 | 302.32 | 2708.33 | 124583.33 |
| 3 | 2025-05 | 3004.22 | 295.89 | 2708.33 | 121875.00 |
| 4 | 2025-06 | 2997.79 | 289.45 | 2708.33 | 119166.67 |
| 5 | 2025-07 | 2991.35 | 283.02 | 2708.33 | 116458.33 |
| 6 | 2025-08 | 2984.92 | 276.59 | 2708.33 | 113750.00 |
| 7 | 2025-09 | 2978.49 | 270.16 | 2708.33 | 111041.67 |
| 8 | 2025-10 | 2972.06 | 263.72 | 2708.33 | 108333.33 |
| 9 | 2025-11 | 2965.63 | 257.29 | 2708.33 | 105625.00 |
| 10 | 2025-12 | 2959.19 | 250.86 | 2708.33 | 102916.67 |
| 11 | 2026-01 | 2952.76 | 244.43 | 2708.33 | 100208.33 |
| 12 | 2026-02 | 2946.33 | 237.99 | 2708.33 | 97500.00 |
| 13 | 2026-03 | 2939.90 | 231.56 | 2708.33 | 94791.67 |
| 14 | 2026-04 | 2933.46 | 225.13 | 2708.33 | 92083.33 |
| 15 | 2026-05 | 2927.03 | 218.70 | 2708.33 | 89375.00 |
| 16 | 2026-06 | 2920.60 | 212.27 | 2708.33 | 86666.67 |
| 17 | 2026-07 | 2914.17 | 205.83 | 2708.33 | 83958.33 |
| 18 | 2026-08 | 2907.73 | 199.40 | 2708.33 | 81250.00 |
| 19 | 2026-09 | 2901.30 | 192.97 | 2708.33 | 78541.67 |
| 20 | 2026-10 | 2894.87 | 186.54 | 2708.33 | 75833.33 |
| 21 | 2026-11 | 2888.44 | 180.10 | 2708.33 | 73125.00 |
| 22 | 2026-12 | 2882.01 | 173.67 | 2708.33 | 70416.67 |
| 23 | 2027-01 | 2875.57 | 167.24 | 2708.33 | 67708.33 |
| 24 | 2027-02 | 2869.14 | 160.81 | 2708.33 | 65000.00 |
| 25 | 2027-03 | 2862.71 | 154.38 | 2708.33 | 62291.67 |
| 26 | 2027-04 | 2856.28 | 147.94 | 2708.33 | 59583.33 |
| 27 | 2027-05 | 2849.84 | 141.51 | 2708.33 | 56875.00 |
| 28 | 2027-06 | 2843.41 | 135.08 | 2708.33 | 54166.67 |
| 29 | 2027-07 | 2836.98 | 128.65 | 2708.33 | 51458.33 |
| 30 | 2027-08 | 2830.55 | 122.21 | 2708.33 | 48750.00 |
| 31 | 2027-09 | 2824.11 | 115.78 | 2708.33 | 46041.67 |
| 32 | 2027-10 | 2817.68 | 109.35 | 2708.33 | 43333.33 |
| 33 | 2027-11 | 2811.25 | 102.92 | 2708.33 | 40625.00 |
| 34 | 2027-12 | 2804.82 | 96.48 | 2708.33 | 37916.67 |
| 35 | 2028-01 | 2798.39 | 90.05 | 2708.33 | 35208.33 |
| 36 | 2028-02 | 2791.95 | 83.62 | 2708.33 | 32500.00 |
| 37 | 2028-03 | 2785.52 | 77.19 | 2708.33 | 29791.67 |
| 38 | 2028-04 | 2779.09 | 70.76 | 2708.33 | 27083.33 |
| 39 | 2028-05 | 2772.66 | 64.32 | 2708.33 | 24375.00 |
| 40 | 2028-06 | 2766.22 | 57.89 | 2708.33 | 21666.67 |
| 41 | 2028-07 | 2759.79 | 51.46 | 2708.33 | 18958.33 |
| 42 | 2028-08 | 2753.36 | 45.03 | 2708.33 | 16250.00 |
| 43 | 2028-09 | 2746.93 | 38.59 | 2708.33 | 13541.67 |
| 44 | 2028-10 | 2740.49 | 32.16 | 2708.33 | 10833.33 |
| 45 | 2028-11 | 2734.06 | 25.73 | 2708.33 | 8125.00 |
| 46 | 2028-12 | 2727.63 | 19.30 | 2708.33 | 5416.67 |
| 47 | 2029-01 | 2721.20 | 12.86 | 2708.33 | 2708.33 |
| 48 | 2029-02 | 2714.77 | 6.43 | 2708.33 | 0.00 |