兰州贷款55万（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：55万
还款月数：4年
每月还款：12137.45元
利息总额：3.26万
本息合计：58.26万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 12137.45 | 1306.25 | 10831.20 | 539168.80 |
| 2 | 2025-03 | 12137.45 | 1280.53 | 10856.93 | 528311.87 |
| 3 | 2025-04 | 12137.45 | 1254.74 | 10882.71 | 517429.16 |
| 4 | 2025-05 | 12137.45 | 1228.89 | 10908.56 | 506520.60 |
| 5 | 2025-06 | 12137.45 | 1202.99 | 10934.47 | 495586.14 |
| 6 | 2025-07 | 12137.45 | 1177.02 | 10960.43 | 484625.70 |
| 7 | 2025-08 | 12137.45 | 1150.99 | 10986.47 | 473639.24 |
| 8 | 2025-09 | 12137.45 | 1124.89 | 11012.56 | 462626.68 |
| 9 | 2025-10 | 12137.45 | 1098.74 | 11038.71 | 451587.97 |
| 10 | 2025-11 | 12137.45 | 1072.52 | 11064.93 | 440523.04 |
| 11 | 2025-12 | 12137.45 | 1046.24 | 11091.21 | 429431.83 |
| 12 | 2026-01 | 12137.45 | 1019.90 | 11117.55 | 418314.28 |
| 13 | 2026-02 | 12137.45 | 993.50 | 11143.96 | 407170.32 |
| 14 | 2026-03 | 12137.45 | 967.03 | 11170.42 | 395999.90 |
| 15 | 2026-04 | 12137.45 | 940.50 | 11196.95 | 384802.95 |
| 16 | 2026-05 | 12137.45 | 913.91 | 11223.54 | 373579.40 |
| 17 | 2026-06 | 12137.45 | 887.25 | 11250.20 | 362329.20 |
| 18 | 2026-07 | 12137.45 | 860.53 | 11276.92 | 351052.28 |
| 19 | 2026-08 | 12137.45 | 833.75 | 11303.70 | 339748.58 |
| 20 | 2026-09 | 12137.45 | 806.90 | 11330.55 | 328418.03 |
| 21 | 2026-10 | 12137.45 | 779.99 | 11357.46 | 317060.57 |
| 22 | 2026-11 | 12137.45 | 753.02 | 11384.43 | 305676.14 |
| 23 | 2026-12 | 12137.45 | 725.98 | 11411.47 | 294264.67 |
| 24 | 2027-01 | 12137.45 | 698.88 | 11438.57 | 282826.09 |
| 25 | 2027-02 | 12137.45 | 671.71 | 11465.74 | 271360.35 |
| 26 | 2027-03 | 12137.45 | 644.48 | 11492.97 | 259867.38 |
| 27 | 2027-04 | 12137.45 | 617.19 | 11520.27 | 248347.12 |
| 28 | 2027-05 | 12137.45 | 589.82 | 11547.63 | 236799.49 |
| 29 | 2027-06 | 12137.45 | 562.40 | 11575.05 | 225224.44 |
| 30 | 2027-07 | 12137.45 | 534.91 | 11602.54 | 213621.89 |
| 31 | 2027-08 | 12137.45 | 507.35 | 11630.10 | 201991.79 |
| 32 | 2027-09 | 12137.45 | 479.73 | 11657.72 | 190334.07 |
| 33 | 2027-10 | 12137.45 | 452.04 | 11685.41 | 178648.66 |
| 34 | 2027-11 | 12137.45 | 424.29 | 11713.16 | 166935.50 |
| 35 | 2027-12 | 12137.45 | 396.47 | 11740.98 | 155194.52 |
| 36 | 2028-01 | 12137.45 | 368.59 | 11768.86 | 143425.66 |
| 37 | 2028-02 | 12137.45 | 340.64 | 11796.82 | 131628.84 |
| 38 | 2028-03 | 12137.45 | 312.62 | 11824.83 | 119804.01 |
| 39 | 2028-04 | 12137.45 | 284.53 | 11852.92 | 107951.09 |
| 40 | 2028-05 | 12137.45 | 256.38 | 11881.07 | 96070.02 |
| 41 | 2028-06 | 12137.45 | 228.17 | 11909.29 | 84160.74 |
| 42 | 2028-07 | 12137.45 | 199.88 | 11937.57 | 72223.17 |
| 43 | 2028-08 | 12137.45 | 171.53 | 11965.92 | 60257.25 |
| 44 | 2028-09 | 12137.45 | 143.11 | 11994.34 | 48262.91 |
| 45 | 2028-10 | 12137.45 | 114.62 | 12022.83 | 36240.08 |
| 46 | 2028-11 | 12137.45 | 86.07 | 12051.38 | 24188.70 |
| 47 | 2028-12 | 12137.45 | 57.45 | 12080.00 | 12108.69 |
| 48 | 2029-01 | 12137.45 | 28.76 | 12108.69 | 0.00 |
等额本金还款方式：
贷款总额：55万
还款月数：4年
首月还款：12764.58元
每月递减：27.21元
利息总额：3.2万
本息合计：58.2万
节省利息：594.56元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 12764.58 | 1306.25 | 11458.33 | 538541.67 |
| 2 | 2025-03 | 12737.37 | 1279.04 | 11458.33 | 527083.33 |
| 3 | 2025-04 | 12710.16 | 1251.82 | 11458.33 | 515625.00 |
| 4 | 2025-05 | 12682.94 | 1224.61 | 11458.33 | 504166.67 |
| 5 | 2025-06 | 12655.73 | 1197.40 | 11458.33 | 492708.33 |
| 6 | 2025-07 | 12628.52 | 1170.18 | 11458.33 | 481250.00 |
| 7 | 2025-08 | 12601.30 | 1142.97 | 11458.33 | 469791.67 |
| 8 | 2025-09 | 12574.09 | 1115.76 | 11458.33 | 458333.33 |
| 9 | 2025-10 | 12546.88 | 1088.54 | 11458.33 | 446875.00 |
| 10 | 2025-11 | 12519.66 | 1061.33 | 11458.33 | 435416.67 |
| 11 | 2025-12 | 12492.45 | 1034.11 | 11458.33 | 423958.33 |
| 12 | 2026-01 | 12465.23 | 1006.90 | 11458.33 | 412500.00 |
| 13 | 2026-02 | 12438.02 | 979.69 | 11458.33 | 401041.67 |
| 14 | 2026-03 | 12410.81 | 952.47 | 11458.33 | 389583.33 |
| 15 | 2026-04 | 12383.59 | 925.26 | 11458.33 | 378125.00 |
| 16 | 2026-05 | 12356.38 | 898.05 | 11458.33 | 366666.67 |
| 17 | 2026-06 | 12329.17 | 870.83 | 11458.33 | 355208.33 |
| 18 | 2026-07 | 12301.95 | 843.62 | 11458.33 | 343750.00 |
| 19 | 2026-08 | 12274.74 | 816.41 | 11458.33 | 332291.67 |
| 20 | 2026-09 | 12247.53 | 789.19 | 11458.33 | 320833.33 |
| 21 | 2026-10 | 12220.31 | 761.98 | 11458.33 | 309375.00 |
| 22 | 2026-11 | 12193.10 | 734.77 | 11458.33 | 297916.67 |
| 23 | 2026-12 | 12165.89 | 707.55 | 11458.33 | 286458.33 |
| 24 | 2027-01 | 12138.67 | 680.34 | 11458.33 | 275000.00 |
| 25 | 2027-02 | 12111.46 | 653.13 | 11458.33 | 263541.67 |
| 26 | 2027-03 | 12084.24 | 625.91 | 11458.33 | 252083.33 |
| 27 | 2027-04 | 12057.03 | 598.70 | 11458.33 | 240625.00 |
| 28 | 2027-05 | 12029.82 | 571.48 | 11458.33 | 229166.67 |
| 29 | 2027-06 | 12002.60 | 544.27 | 11458.33 | 217708.33 |
| 30 | 2027-07 | 11975.39 | 517.06 | 11458.33 | 206250.00 |
| 31 | 2027-08 | 11948.18 | 489.84 | 11458.33 | 194791.67 |
| 32 | 2027-09 | 11920.96 | 462.63 | 11458.33 | 183333.33 |
| 33 | 2027-10 | 11893.75 | 435.42 | 11458.33 | 171875.00 |
| 34 | 2027-11 | 11866.54 | 408.20 | 11458.33 | 160416.67 |
| 35 | 2027-12 | 11839.32 | 380.99 | 11458.33 | 148958.33 |
| 36 | 2028-01 | 11812.11 | 353.78 | 11458.33 | 137500.00 |
| 37 | 2028-02 | 11784.90 | 326.56 | 11458.33 | 126041.67 |
| 38 | 2028-03 | 11757.68 | 299.35 | 11458.33 | 114583.33 |
| 39 | 2028-04 | 11730.47 | 272.14 | 11458.33 | 103125.00 |
| 40 | 2028-05 | 11703.26 | 244.92 | 11458.33 | 91666.67 |
| 41 | 2028-06 | 11676.04 | 217.71 | 11458.33 | 80208.33 |
| 42 | 2028-07 | 11648.83 | 190.49 | 11458.33 | 68750.00 |
| 43 | 2028-08 | 11621.61 | 163.28 | 11458.33 | 57291.67 |
| 44 | 2028-09 | 11594.40 | 136.07 | 11458.33 | 45833.33 |
| 45 | 2028-10 | 11567.19 | 108.85 | 11458.33 | 34375.00 |
| 46 | 2028-11 | 11539.97 | 81.64 | 11458.33 | 22916.67 |
| 47 | 2028-12 | 11512.76 | 54.43 | 11458.33 | 11458.33 |
| 48 | 2029-01 | 11485.55 | 27.21 | 11458.33 | 0.00 |