贷款7万（公积金贷款）房贷，还款4年6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6个月
每月还款：1382.73元
利息总额：4667.65元
本息合计：7.47万
| 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 | 1382.73 | 166.25 | 1216.48 | 68783.52 |
| 2 | 2025-05 | 1382.73 | 163.36 | 1219.37 | 67564.14 |
| 3 | 2025-06 | 1382.73 | 160.46 | 1222.27 | 66341.87 |
| 4 | 2025-07 | 1382.73 | 157.56 | 1225.17 | 65116.70 |
| 5 | 2025-08 | 1382.73 | 154.65 | 1228.08 | 63888.62 |
| 6 | 2025-09 | 1382.73 | 151.74 | 1231.00 | 62657.62 |
| 7 | 2025-10 | 1382.73 | 148.81 | 1233.92 | 61423.70 |
| 8 | 2025-11 | 1382.73 | 145.88 | 1236.85 | 60186.84 |
| 9 | 2025-12 | 1382.73 | 142.94 | 1239.79 | 58947.05 |
| 10 | 2026-01 | 1382.73 | 140.00 | 1242.73 | 57704.32 |
| 11 | 2026-02 | 1382.73 | 137.05 | 1245.69 | 56458.63 |
| 12 | 2026-03 | 1382.73 | 134.09 | 1248.64 | 55209.99 |
| 13 | 2026-04 | 1382.73 | 131.12 | 1251.61 | 53958.38 |
| 14 | 2026-05 | 1382.73 | 128.15 | 1254.58 | 52703.79 |
| 15 | 2026-06 | 1382.73 | 125.17 | 1257.56 | 51446.23 |
| 16 | 2026-07 | 1382.73 | 122.18 | 1260.55 | 50185.68 |
| 17 | 2026-08 | 1382.73 | 119.19 | 1263.54 | 48922.14 |
| 18 | 2026-09 | 1382.73 | 116.19 | 1266.54 | 47655.59 |
| 19 | 2026-10 | 1382.73 | 113.18 | 1269.55 | 46386.04 |
| 20 | 2026-11 | 1382.73 | 110.17 | 1272.57 | 45113.47 |
| 21 | 2026-12 | 1382.73 | 107.14 | 1275.59 | 43837.88 |
| 22 | 2027-01 | 1382.73 | 104.11 | 1278.62 | 42559.27 |
| 23 | 2027-02 | 1382.73 | 101.08 | 1281.66 | 41277.61 |
| 24 | 2027-03 | 1382.73 | 98.03 | 1284.70 | 39992.91 |
| 25 | 2027-04 | 1382.73 | 94.98 | 1287.75 | 38705.16 |
| 26 | 2027-05 | 1382.73 | 91.92 | 1290.81 | 37414.35 |
| 27 | 2027-06 | 1382.73 | 88.86 | 1293.88 | 36120.47 |
| 28 | 2027-07 | 1382.73 | 85.79 | 1296.95 | 34823.53 |
| 29 | 2027-08 | 1382.73 | 82.71 | 1300.03 | 33523.50 |
| 30 | 2027-09 | 1382.73 | 79.62 | 1303.12 | 32220.38 |
| 31 | 2027-10 | 1382.73 | 76.52 | 1306.21 | 30914.17 |
| 32 | 2027-11 | 1382.73 | 73.42 | 1309.31 | 29604.86 |
| 33 | 2027-12 | 1382.73 | 70.31 | 1312.42 | 28292.43 |
| 34 | 2028-01 | 1382.73 | 67.19 | 1315.54 | 26976.90 |
| 35 | 2028-02 | 1382.73 | 64.07 | 1318.66 | 25658.23 |
| 36 | 2028-03 | 1382.73 | 60.94 | 1321.80 | 24336.44 |
| 37 | 2028-04 | 1382.73 | 57.80 | 1324.94 | 23011.50 |
| 38 | 2028-05 | 1382.73 | 54.65 | 1328.08 | 21683.42 |
| 39 | 2028-06 | 1382.73 | 51.50 | 1331.24 | 20352.18 |
| 40 | 2028-07 | 1382.73 | 48.34 | 1334.40 | 19017.78 |
| 41 | 2028-08 | 1382.73 | 45.17 | 1337.57 | 17680.22 |
| 42 | 2028-09 | 1382.73 | 41.99 | 1340.74 | 16339.47 |
| 43 | 2028-10 | 1382.73 | 38.81 | 1343.93 | 14995.55 |
| 44 | 2028-11 | 1382.73 | 35.61 | 1347.12 | 13648.43 |
| 45 | 2028-12 | 1382.73 | 32.42 | 1350.32 | 12298.11 |
| 46 | 2029-01 | 1382.73 | 29.21 | 1353.53 | 10944.58 |
| 47 | 2029-02 | 1382.73 | 25.99 | 1356.74 | 9587.84 |
| 48 | 2029-03 | 1382.73 | 22.77 | 1359.96 | 8227.88 |
| 49 | 2029-04 | 1382.73 | 19.54 | 1363.19 | 6864.68 |
| 50 | 2029-05 | 1382.73 | 16.30 | 1366.43 | 5498.25 |
| 51 | 2029-06 | 1382.73 | 13.06 | 1369.68 | 4128.58 |
| 52 | 2029-07 | 1382.73 | 9.81 | 1372.93 | 2755.65 |
| 53 | 2029-08 | 1382.73 | 6.54 | 1376.19 | 1379.46 |
| 54 | 2029-09 | 1382.73 | 3.28 | 1379.46 | 0.00 |
等额本金还款方式：
贷款总额：7万
还款月数：4年6个月
首月还款：1462.55元
每月递减：3.08元
利息总额：4571.88元
本息合计：7.46万
节省利息：95.77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 | 1462.55 | 166.25 | 1296.30 | 68703.70 |
| 2 | 2025-05 | 1459.47 | 163.17 | 1296.30 | 67407.41 |
| 3 | 2025-06 | 1456.39 | 160.09 | 1296.30 | 66111.11 |
| 4 | 2025-07 | 1453.31 | 157.01 | 1296.30 | 64814.81 |
| 5 | 2025-08 | 1450.23 | 153.94 | 1296.30 | 63518.52 |
| 6 | 2025-09 | 1447.15 | 150.86 | 1296.30 | 62222.22 |
| 7 | 2025-10 | 1444.07 | 147.78 | 1296.30 | 60925.93 |
| 8 | 2025-11 | 1441.00 | 144.70 | 1296.30 | 59629.63 |
| 9 | 2025-12 | 1437.92 | 141.62 | 1296.30 | 58333.33 |
| 10 | 2026-01 | 1434.84 | 138.54 | 1296.30 | 57037.04 |
| 11 | 2026-02 | 1431.76 | 135.46 | 1296.30 | 55740.74 |
| 12 | 2026-03 | 1428.68 | 132.38 | 1296.30 | 54444.44 |
| 13 | 2026-04 | 1425.60 | 129.31 | 1296.30 | 53148.15 |
| 14 | 2026-05 | 1422.52 | 126.23 | 1296.30 | 51851.85 |
| 15 | 2026-06 | 1419.44 | 123.15 | 1296.30 | 50555.56 |
| 16 | 2026-07 | 1416.37 | 120.07 | 1296.30 | 49259.26 |
| 17 | 2026-08 | 1413.29 | 116.99 | 1296.30 | 47962.96 |
| 18 | 2026-09 | 1410.21 | 113.91 | 1296.30 | 46666.67 |
| 19 | 2026-10 | 1407.13 | 110.83 | 1296.30 | 45370.37 |
| 20 | 2026-11 | 1404.05 | 107.75 | 1296.30 | 44074.07 |
| 21 | 2026-12 | 1400.97 | 104.68 | 1296.30 | 42777.78 |
| 22 | 2027-01 | 1397.89 | 101.60 | 1296.30 | 41481.48 |
| 23 | 2027-02 | 1394.81 | 98.52 | 1296.30 | 40185.19 |
| 24 | 2027-03 | 1391.74 | 95.44 | 1296.30 | 38888.89 |
| 25 | 2027-04 | 1388.66 | 92.36 | 1296.30 | 37592.59 |
| 26 | 2027-05 | 1385.58 | 89.28 | 1296.30 | 36296.30 |
| 27 | 2027-06 | 1382.50 | 86.20 | 1296.30 | 35000.00 |
| 28 | 2027-07 | 1379.42 | 83.13 | 1296.30 | 33703.70 |
| 29 | 2027-08 | 1376.34 | 80.05 | 1296.30 | 32407.41 |
| 30 | 2027-09 | 1373.26 | 76.97 | 1296.30 | 31111.11 |
| 31 | 2027-10 | 1370.19 | 73.89 | 1296.30 | 29814.81 |
| 32 | 2027-11 | 1367.11 | 70.81 | 1296.30 | 28518.52 |
| 33 | 2027-12 | 1364.03 | 67.73 | 1296.30 | 27222.22 |
| 34 | 2028-01 | 1360.95 | 64.65 | 1296.30 | 25925.93 |
| 35 | 2028-02 | 1357.87 | 61.57 | 1296.30 | 24629.63 |
| 36 | 2028-03 | 1354.79 | 58.50 | 1296.30 | 23333.33 |
| 37 | 2028-04 | 1351.71 | 55.42 | 1296.30 | 22037.04 |
| 38 | 2028-05 | 1348.63 | 52.34 | 1296.30 | 20740.74 |
| 39 | 2028-06 | 1345.56 | 49.26 | 1296.30 | 19444.44 |
| 40 | 2028-07 | 1342.48 | 46.18 | 1296.30 | 18148.15 |
| 41 | 2028-08 | 1339.40 | 43.10 | 1296.30 | 16851.85 |
| 42 | 2028-09 | 1336.32 | 40.02 | 1296.30 | 15555.56 |
| 43 | 2028-10 | 1333.24 | 36.94 | 1296.30 | 14259.26 |
| 44 | 2028-11 | 1330.16 | 33.87 | 1296.30 | 12962.96 |
| 45 | 2028-12 | 1327.08 | 30.79 | 1296.30 | 11666.67 |
| 46 | 2029-01 | 1324.00 | 27.71 | 1296.30 | 10370.37 |
| 47 | 2029-02 | 1320.93 | 24.63 | 1296.30 | 9074.07 |
| 48 | 2029-03 | 1317.85 | 21.55 | 1296.30 | 7777.78 |
| 49 | 2029-04 | 1314.77 | 18.47 | 1296.30 | 6481.48 |
| 50 | 2029-05 | 1311.69 | 15.39 | 1296.30 | 5185.19 |
| 51 | 2029-06 | 1308.61 | 12.31 | 1296.30 | 3888.89 |
| 52 | 2029-07 | 1305.53 | 9.24 | 1296.30 | 2592.59 |
| 53 | 2029-08 | 1302.45 | 6.16 | 1296.30 | 1296.30 |
| 54 | 2029-09 | 1299.38 | 3.08 | 1296.30 | 0.00 |