贷款7万（公积金贷款）房贷，还款4年2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：7万
还款月数：4年2个月
每月还款：1486.43元
利息总额：4321.48元
本息合计：7.43万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 1486.43 | 166.25 | 1320.18 | 68679.82 |
| 2 | 2025-05 | 1486.43 | 163.11 | 1323.32 | 67356.51 |
| 3 | 2025-06 | 1486.43 | 159.97 | 1326.46 | 66030.05 |
| 4 | 2025-07 | 1486.43 | 156.82 | 1329.61 | 64700.44 |
| 5 | 2025-08 | 1486.43 | 153.66 | 1332.77 | 63367.67 |
| 6 | 2025-09 | 1486.43 | 150.50 | 1335.93 | 62031.74 |
| 7 | 2025-10 | 1486.43 | 147.33 | 1339.10 | 60692.64 |
| 8 | 2025-11 | 1486.43 | 144.15 | 1342.28 | 59350.35 |
| 9 | 2025-12 | 1486.43 | 140.96 | 1345.47 | 58004.88 |
| 10 | 2026-01 | 1486.43 | 137.76 | 1348.67 | 56656.21 |
| 11 | 2026-02 | 1486.43 | 134.56 | 1351.87 | 55304.34 |
| 12 | 2026-03 | 1486.43 | 131.35 | 1355.08 | 53949.26 |
| 13 | 2026-04 | 1486.43 | 128.13 | 1358.30 | 52590.96 |
| 14 | 2026-05 | 1486.43 | 124.90 | 1361.53 | 51229.43 |
| 15 | 2026-06 | 1486.43 | 121.67 | 1364.76 | 49864.67 |
| 16 | 2026-07 | 1486.43 | 118.43 | 1368.00 | 48496.67 |
| 17 | 2026-08 | 1486.43 | 115.18 | 1371.25 | 47125.42 |
| 18 | 2026-09 | 1486.43 | 111.92 | 1374.51 | 45750.91 |
| 19 | 2026-10 | 1486.43 | 108.66 | 1377.77 | 44373.14 |
| 20 | 2026-11 | 1486.43 | 105.39 | 1381.04 | 42992.10 |
| 21 | 2026-12 | 1486.43 | 102.11 | 1384.32 | 41607.78 |
| 22 | 2027-01 | 1486.43 | 98.82 | 1387.61 | 40220.16 |
| 23 | 2027-02 | 1486.43 | 95.52 | 1390.91 | 38829.26 |
| 24 | 2027-03 | 1486.43 | 92.22 | 1394.21 | 37435.05 |
| 25 | 2027-04 | 1486.43 | 88.91 | 1397.52 | 36037.53 |
| 26 | 2027-05 | 1486.43 | 85.59 | 1400.84 | 34636.69 |
| 27 | 2027-06 | 1486.43 | 82.26 | 1404.17 | 33232.52 |
| 28 | 2027-07 | 1486.43 | 78.93 | 1407.50 | 31825.02 |
| 29 | 2027-08 | 1486.43 | 75.58 | 1410.85 | 30414.17 |
| 30 | 2027-09 | 1486.43 | 72.23 | 1414.20 | 28999.97 |
| 31 | 2027-10 | 1486.43 | 68.87 | 1417.55 | 27582.42 |
| 32 | 2027-11 | 1486.43 | 65.51 | 1420.92 | 26161.50 |
| 33 | 2027-12 | 1486.43 | 62.13 | 1424.30 | 24737.20 |
| 34 | 2028-01 | 1486.43 | 58.75 | 1427.68 | 23309.52 |
| 35 | 2028-02 | 1486.43 | 55.36 | 1431.07 | 21878.45 |
| 36 | 2028-03 | 1486.43 | 51.96 | 1434.47 | 20443.99 |
| 37 | 2028-04 | 1486.43 | 48.55 | 1437.88 | 19006.11 |
| 38 | 2028-05 | 1486.43 | 45.14 | 1441.29 | 17564.82 |
| 39 | 2028-06 | 1486.43 | 41.72 | 1444.71 | 16120.11 |
| 40 | 2028-07 | 1486.43 | 38.29 | 1448.14 | 14671.96 |
| 41 | 2028-08 | 1486.43 | 34.85 | 1451.58 | 13220.38 |
| 42 | 2028-09 | 1486.43 | 31.40 | 1455.03 | 11765.35 |
| 43 | 2028-10 | 1486.43 | 27.94 | 1458.49 | 10306.86 |
| 44 | 2028-11 | 1486.43 | 24.48 | 1461.95 | 8844.91 |
| 45 | 2028-12 | 1486.43 | 21.01 | 1465.42 | 7379.49 |
| 46 | 2029-01 | 1486.43 | 17.53 | 1468.90 | 5910.58 |
| 47 | 2029-02 | 1486.43 | 14.04 | 1472.39 | 4438.19 |
| 48 | 2029-03 | 1486.43 | 10.54 | 1475.89 | 2962.30 |
| 49 | 2029-04 | 1486.43 | 7.04 | 1479.39 | 1482.91 |
| 50 | 2029-05 | 1486.43 | 3.52 | 1482.91 | 0.00 |
等额本金还款方式：
贷款总额：7万
还款月数：4年2个月
首月还款：1566.25元
每月递减：3.32元
利息总额：4239.38元
本息合计：7.42万
节省利息：82.11元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 1566.25 | 166.25 | 1400.00 | 68600.00 |
| 2 | 2025-05 | 1562.92 | 162.92 | 1400.00 | 67200.00 |
| 3 | 2025-06 | 1559.60 | 159.60 | 1400.00 | 65800.00 |
| 4 | 2025-07 | 1556.28 | 156.28 | 1400.00 | 64400.00 |
| 5 | 2025-08 | 1552.95 | 152.95 | 1400.00 | 63000.00 |
| 6 | 2025-09 | 1549.63 | 149.63 | 1400.00 | 61600.00 |
| 7 | 2025-10 | 1546.30 | 146.30 | 1400.00 | 60200.00 |
| 8 | 2025-11 | 1542.97 | 142.97 | 1400.00 | 58800.00 |
| 9 | 2025-12 | 1539.65 | 139.65 | 1400.00 | 57400.00 |
| 10 | 2026-01 | 1536.33 | 136.32 | 1400.00 | 56000.00 |
| 11 | 2026-02 | 1533.00 | 133.00 | 1400.00 | 54600.00 |
| 12 | 2026-03 | 1529.67 | 129.67 | 1400.00 | 53200.00 |
| 13 | 2026-04 | 1526.35 | 126.35 | 1400.00 | 51800.00 |
| 14 | 2026-05 | 1523.03 | 123.02 | 1400.00 | 50400.00 |
| 15 | 2026-06 | 1519.70 | 119.70 | 1400.00 | 49000.00 |
| 16 | 2026-07 | 1516.38 | 116.38 | 1400.00 | 47600.00 |
| 17 | 2026-08 | 1513.05 | 113.05 | 1400.00 | 46200.00 |
| 18 | 2026-09 | 1509.72 | 109.72 | 1400.00 | 44800.00 |
| 19 | 2026-10 | 1506.40 | 106.40 | 1400.00 | 43400.00 |
| 20 | 2026-11 | 1503.08 | 103.08 | 1400.00 | 42000.00 |
| 21 | 2026-12 | 1499.75 | 99.75 | 1400.00 | 40600.00 |
| 22 | 2027-01 | 1496.42 | 96.42 | 1400.00 | 39200.00 |
| 23 | 2027-02 | 1493.10 | 93.10 | 1400.00 | 37800.00 |
| 24 | 2027-03 | 1489.78 | 89.77 | 1400.00 | 36400.00 |
| 25 | 2027-04 | 1486.45 | 86.45 | 1400.00 | 35000.00 |
| 26 | 2027-05 | 1483.13 | 83.13 | 1400.00 | 33600.00 |
| 27 | 2027-06 | 1479.80 | 79.80 | 1400.00 | 32200.00 |
| 28 | 2027-07 | 1476.47 | 76.47 | 1400.00 | 30800.00 |
| 29 | 2027-08 | 1473.15 | 73.15 | 1400.00 | 29400.00 |
| 30 | 2027-09 | 1469.83 | 69.83 | 1400.00 | 28000.00 |
| 31 | 2027-10 | 1466.50 | 66.50 | 1400.00 | 26600.00 |
| 32 | 2027-11 | 1463.17 | 63.17 | 1400.00 | 25200.00 |
| 33 | 2027-12 | 1459.85 | 59.85 | 1400.00 | 23800.00 |
| 34 | 2028-01 | 1456.53 | 56.52 | 1400.00 | 22400.00 |
| 35 | 2028-02 | 1453.20 | 53.20 | 1400.00 | 21000.00 |
| 36 | 2028-03 | 1449.88 | 49.88 | 1400.00 | 19600.00 |
| 37 | 2028-04 | 1446.55 | 46.55 | 1400.00 | 18200.00 |
| 38 | 2028-05 | 1443.22 | 43.23 | 1400.00 | 16800.00 |
| 39 | 2028-06 | 1439.90 | 39.90 | 1400.00 | 15400.00 |
| 40 | 2028-07 | 1436.58 | 36.57 | 1400.00 | 14000.00 |
| 41 | 2028-08 | 1433.25 | 33.25 | 1400.00 | 12600.00 |
| 42 | 2028-09 | 1429.92 | 29.93 | 1400.00 | 11200.00 |
| 43 | 2028-10 | 1426.60 | 26.60 | 1400.00 | 9800.00 |
| 44 | 2028-11 | 1423.28 | 23.27 | 1400.00 | 8400.00 |
| 45 | 2028-12 | 1419.95 | 19.95 | 1400.00 | 7000.00 |
| 46 | 2029-01 | 1416.63 | 16.63 | 1400.00 | 5600.00 |
| 47 | 2029-02 | 1413.30 | 13.30 | 1400.00 | 4200.00 |
| 48 | 2029-03 | 1409.97 | 9.97 | 1400.00 | 2800.00 |
| 49 | 2029-04 | 1406.65 | 6.65 | 1400.00 | 1400.00 |
| 50 | 2029-05 | 1403.33 | 3.32 | 1400.00 | 0.00 |