南京贷款20万（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：20万
还款月数：4年
每月还款：4413.62元
利息总额：1.19万
本息合计：21.19万
| 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 | 4413.62 | 475.00 | 3938.62 | 196061.38 |
| 2 | 2025-04 | 4413.62 | 465.65 | 3947.97 | 192113.41 |
| 3 | 2025-05 | 4413.62 | 456.27 | 3957.35 | 188156.06 |
| 4 | 2025-06 | 4413.62 | 446.87 | 3966.75 | 184189.31 |
| 5 | 2025-07 | 4413.62 | 437.45 | 3976.17 | 180213.14 |
| 6 | 2025-08 | 4413.62 | 428.01 | 3985.61 | 176227.53 |
| 7 | 2025-09 | 4413.62 | 418.54 | 3995.08 | 172232.45 |
| 8 | 2025-10 | 4413.62 | 409.05 | 4004.57 | 168227.88 |
| 9 | 2025-11 | 4413.62 | 399.54 | 4014.08 | 164213.81 |
| 10 | 2025-12 | 4413.62 | 390.01 | 4023.61 | 160190.20 |
| 11 | 2026-01 | 4413.62 | 380.45 | 4033.17 | 156157.03 |
| 12 | 2026-02 | 4413.62 | 370.87 | 4042.75 | 152114.28 |
| 13 | 2026-03 | 4413.62 | 361.27 | 4052.35 | 148061.93 |
| 14 | 2026-04 | 4413.62 | 351.65 | 4061.97 | 143999.96 |
| 15 | 2026-05 | 4413.62 | 342.00 | 4071.62 | 139928.34 |
| 16 | 2026-06 | 4413.62 | 332.33 | 4081.29 | 135847.06 |
| 17 | 2026-07 | 4413.62 | 322.64 | 4090.98 | 131756.07 |
| 18 | 2026-08 | 4413.62 | 312.92 | 4100.70 | 127655.37 |
| 19 | 2026-09 | 4413.62 | 303.18 | 4110.44 | 123544.94 |
| 20 | 2026-10 | 4413.62 | 293.42 | 4120.20 | 119424.74 |
| 21 | 2026-11 | 4413.62 | 283.63 | 4129.99 | 115294.75 |
| 22 | 2026-12 | 4413.62 | 273.83 | 4139.79 | 111154.96 |
| 23 | 2027-01 | 4413.62 | 263.99 | 4149.63 | 107005.33 |
| 24 | 2027-02 | 4413.62 | 254.14 | 4159.48 | 102845.85 |
| 25 | 2027-03 | 4413.62 | 244.26 | 4169.36 | 98676.49 |
| 26 | 2027-04 | 4413.62 | 234.36 | 4179.26 | 94497.23 |
| 27 | 2027-05 | 4413.62 | 224.43 | 4189.19 | 90308.04 |
| 28 | 2027-06 | 4413.62 | 214.48 | 4199.14 | 86108.91 |
| 29 | 2027-07 | 4413.62 | 204.51 | 4209.11 | 81899.80 |
| 30 | 2027-08 | 4413.62 | 194.51 | 4219.11 | 77680.69 |
| 31 | 2027-09 | 4413.62 | 184.49 | 4229.13 | 73451.56 |
| 32 | 2027-10 | 4413.62 | 174.45 | 4239.17 | 69212.39 |
| 33 | 2027-11 | 4413.62 | 164.38 | 4249.24 | 64963.15 |
| 34 | 2027-12 | 4413.62 | 154.29 | 4259.33 | 60703.82 |
| 35 | 2028-01 | 4413.62 | 144.17 | 4269.45 | 56434.37 |
| 36 | 2028-02 | 4413.62 | 134.03 | 4279.59 | 52154.78 |
| 37 | 2028-03 | 4413.62 | 123.87 | 4289.75 | 47865.03 |
| 38 | 2028-04 | 4413.62 | 113.68 | 4299.94 | 43565.09 |
| 39 | 2028-05 | 4413.62 | 103.47 | 4310.15 | 39254.94 |
| 40 | 2028-06 | 4413.62 | 93.23 | 4320.39 | 34934.55 |
| 41 | 2028-07 | 4413.62 | 82.97 | 4330.65 | 30603.90 |
| 42 | 2028-08 | 4413.62 | 72.68 | 4340.93 | 26262.97 |
| 43 | 2028-09 | 4413.62 | 62.37 | 4351.24 | 21911.73 |
| 44 | 2028-10 | 4413.62 | 52.04 | 4361.58 | 17550.15 |
| 45 | 2028-11 | 4413.62 | 41.68 | 4371.94 | 13178.21 |
| 46 | 2028-12 | 4413.62 | 31.30 | 4382.32 | 8795.89 |
| 47 | 2029-01 | 4413.62 | 20.89 | 4392.73 | 4403.16 |
| 48 | 2029-02 | 4413.62 | 10.46 | 4403.16 | 0.00 |
等额本金还款方式：
贷款总额：20万
还款月数：4年
首月还款：4641.67元
每月递减：9.9元
利息总额：1.16万
本息合计：21.16万
节省利息：216.2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 | 4641.67 | 475.00 | 4166.67 | 195833.33 |
| 2 | 2025-04 | 4631.77 | 465.10 | 4166.67 | 191666.67 |
| 3 | 2025-05 | 4621.88 | 455.21 | 4166.67 | 187500.00 |
| 4 | 2025-06 | 4611.98 | 445.31 | 4166.67 | 183333.33 |
| 5 | 2025-07 | 4602.08 | 435.42 | 4166.67 | 179166.67 |
| 6 | 2025-08 | 4592.19 | 425.52 | 4166.67 | 175000.00 |
| 7 | 2025-09 | 4582.29 | 415.63 | 4166.67 | 170833.33 |
| 8 | 2025-10 | 4572.40 | 405.73 | 4166.67 | 166666.67 |
| 9 | 2025-11 | 4562.50 | 395.83 | 4166.67 | 162500.00 |
| 10 | 2025-12 | 4552.60 | 385.94 | 4166.67 | 158333.33 |
| 11 | 2026-01 | 4542.71 | 376.04 | 4166.67 | 154166.67 |
| 12 | 2026-02 | 4532.81 | 366.15 | 4166.67 | 150000.00 |
| 13 | 2026-03 | 4522.92 | 356.25 | 4166.67 | 145833.33 |
| 14 | 2026-04 | 4513.02 | 346.35 | 4166.67 | 141666.67 |
| 15 | 2026-05 | 4503.13 | 336.46 | 4166.67 | 137500.00 |
| 16 | 2026-06 | 4493.23 | 326.56 | 4166.67 | 133333.33 |
| 17 | 2026-07 | 4483.33 | 316.67 | 4166.67 | 129166.67 |
| 18 | 2026-08 | 4473.44 | 306.77 | 4166.67 | 125000.00 |
| 19 | 2026-09 | 4463.54 | 296.88 | 4166.67 | 120833.33 |
| 20 | 2026-10 | 4453.65 | 286.98 | 4166.67 | 116666.67 |
| 21 | 2026-11 | 4443.75 | 277.08 | 4166.67 | 112500.00 |
| 22 | 2026-12 | 4433.85 | 267.19 | 4166.67 | 108333.33 |
| 23 | 2027-01 | 4423.96 | 257.29 | 4166.67 | 104166.67 |
| 24 | 2027-02 | 4414.06 | 247.40 | 4166.67 | 100000.00 |
| 25 | 2027-03 | 4404.17 | 237.50 | 4166.67 | 95833.33 |
| 26 | 2027-04 | 4394.27 | 227.60 | 4166.67 | 91666.67 |
| 27 | 2027-05 | 4384.38 | 217.71 | 4166.67 | 87500.00 |
| 28 | 2027-06 | 4374.48 | 207.81 | 4166.67 | 83333.33 |
| 29 | 2027-07 | 4364.58 | 197.92 | 4166.67 | 79166.67 |
| 30 | 2027-08 | 4354.69 | 188.02 | 4166.67 | 75000.00 |
| 31 | 2027-09 | 4344.79 | 178.12 | 4166.67 | 70833.33 |
| 32 | 2027-10 | 4334.90 | 168.23 | 4166.67 | 66666.67 |
| 33 | 2027-11 | 4325.00 | 158.33 | 4166.67 | 62500.00 |
| 34 | 2027-12 | 4315.10 | 148.44 | 4166.67 | 58333.33 |
| 35 | 2028-01 | 4305.21 | 138.54 | 4166.67 | 54166.67 |
| 36 | 2028-02 | 4295.31 | 128.65 | 4166.67 | 50000.00 |
| 37 | 2028-03 | 4285.42 | 118.75 | 4166.67 | 45833.33 |
| 38 | 2028-04 | 4275.52 | 108.85 | 4166.67 | 41666.67 |
| 39 | 2028-05 | 4265.63 | 98.96 | 4166.67 | 37500.00 |
| 40 | 2028-06 | 4255.73 | 89.06 | 4166.67 | 33333.33 |
| 41 | 2028-07 | 4245.83 | 79.17 | 4166.67 | 29166.67 |
| 42 | 2028-08 | 4235.94 | 69.27 | 4166.67 | 25000.00 |
| 43 | 2028-09 | 4226.04 | 59.38 | 4166.67 | 20833.33 |
| 44 | 2028-10 | 4216.15 | 49.48 | 4166.67 | 16666.67 |
| 45 | 2028-11 | 4206.25 | 39.58 | 4166.67 | 12500.00 |
| 46 | 2028-12 | 4196.35 | 29.69 | 4166.67 | 8333.33 |
| 47 | 2029-01 | 4186.46 | 19.79 | 4166.67 | 4166.67 |
| 48 | 2029-02 | 4176.56 | 9.90 | 4166.67 | 0.00 |