贷款135万（公积金贷款）房贷，还款4年10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：135万
还款月数：4年10个月
每月还款：25183.27元
利息总额：11.06万
本息合计：146.06万
| 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 | 25183.27 | 3656.25 | 21527.02 | 1328472.98 |
| 2 | 2025-04 | 25183.27 | 3597.95 | 21585.32 | 1306887.66 |
| 3 | 2025-05 | 25183.27 | 3539.49 | 21643.78 | 1285243.88 |
| 4 | 2025-06 | 25183.27 | 3480.87 | 21702.40 | 1263541.48 |
| 5 | 2025-07 | 25183.27 | 3422.09 | 21761.18 | 1241780.30 |
| 6 | 2025-08 | 25183.27 | 3363.15 | 21820.11 | 1219960.18 |
| 7 | 2025-09 | 25183.27 | 3304.06 | 21879.21 | 1198080.97 |
| 8 | 2025-10 | 25183.27 | 3244.80 | 21938.47 | 1176142.51 |
| 9 | 2025-11 | 25183.27 | 3185.39 | 21997.88 | 1154144.62 |
| 10 | 2025-12 | 25183.27 | 3125.81 | 22057.46 | 1132087.16 |
| 11 | 2026-01 | 25183.27 | 3066.07 | 22117.20 | 1109969.96 |
| 12 | 2026-02 | 25183.27 | 3006.17 | 22177.10 | 1087792.86 |
| 13 | 2026-03 | 25183.27 | 2946.11 | 22237.16 | 1065555.70 |
| 14 | 2026-04 | 25183.27 | 2885.88 | 22297.39 | 1043258.31 |
| 15 | 2026-05 | 25183.27 | 2825.49 | 22357.78 | 1020900.53 |
| 16 | 2026-06 | 25183.27 | 2764.94 | 22418.33 | 998482.20 |
| 17 | 2026-07 | 25183.27 | 2704.22 | 22479.05 | 976003.15 |
| 18 | 2026-08 | 25183.27 | 2643.34 | 22539.93 | 953463.23 |
| 19 | 2026-09 | 25183.27 | 2582.30 | 22600.97 | 930862.25 |
| 20 | 2026-10 | 25183.27 | 2521.09 | 22662.18 | 908200.07 |
| 21 | 2026-11 | 25183.27 | 2459.71 | 22723.56 | 885476.51 |
| 22 | 2026-12 | 25183.27 | 2398.17 | 22785.10 | 862691.41 |
| 23 | 2027-01 | 25183.27 | 2336.46 | 22846.81 | 839844.59 |
| 24 | 2027-02 | 25183.27 | 2274.58 | 22908.69 | 816935.90 |
| 25 | 2027-03 | 25183.27 | 2212.53 | 22970.73 | 793965.17 |
| 26 | 2027-04 | 25183.27 | 2150.32 | 23032.95 | 770932.22 |
| 27 | 2027-05 | 25183.27 | 2087.94 | 23095.33 | 747836.89 |
| 28 | 2027-06 | 25183.27 | 2025.39 | 23157.88 | 724679.01 |
| 29 | 2027-07 | 25183.27 | 1962.67 | 23220.60 | 701458.42 |
| 30 | 2027-08 | 25183.27 | 1899.78 | 23283.49 | 678174.93 |
| 31 | 2027-09 | 25183.27 | 1836.72 | 23346.55 | 654828.39 |
| 32 | 2027-10 | 25183.27 | 1773.49 | 23409.78 | 631418.61 |
| 33 | 2027-11 | 25183.27 | 1710.09 | 23473.18 | 607945.43 |
| 34 | 2027-12 | 25183.27 | 1646.52 | 23536.75 | 584408.68 |
| 35 | 2028-01 | 25183.27 | 1582.77 | 23600.50 | 560808.19 |
| 36 | 2028-02 | 25183.27 | 1518.86 | 23664.41 | 537143.77 |
| 37 | 2028-03 | 25183.27 | 1454.76 | 23728.50 | 513415.27 |
| 38 | 2028-04 | 25183.27 | 1390.50 | 23792.77 | 489622.50 |
| 39 | 2028-05 | 25183.27 | 1326.06 | 23857.21 | 465765.29 |
| 40 | 2028-06 | 25183.27 | 1261.45 | 23921.82 | 441843.47 |
| 41 | 2028-07 | 25183.27 | 1196.66 | 23986.61 | 417856.86 |
| 42 | 2028-08 | 25183.27 | 1131.70 | 24051.57 | 393805.29 |
| 43 | 2028-09 | 25183.27 | 1066.56 | 24116.71 | 369688.57 |
| 44 | 2028-10 | 25183.27 | 1001.24 | 24182.03 | 345506.54 |
| 45 | 2028-11 | 25183.27 | 935.75 | 24247.52 | 321259.02 |
| 46 | 2028-12 | 25183.27 | 870.08 | 24313.19 | 296945.83 |
| 47 | 2029-01 | 25183.27 | 804.23 | 24379.04 | 272566.79 |
| 48 | 2029-02 | 25183.27 | 738.20 | 24445.07 | 248121.72 |
| 49 | 2029-03 | 25183.27 | 672.00 | 24511.27 | 223610.45 |
| 50 | 2029-04 | 25183.27 | 605.61 | 24577.66 | 199032.79 |
| 51 | 2029-05 | 25183.27 | 539.05 | 24644.22 | 174388.57 |
| 52 | 2029-06 | 25183.27 | 472.30 | 24710.97 | 149677.60 |
| 53 | 2029-07 | 25183.27 | 405.38 | 24777.89 | 124899.71 |
| 54 | 2029-08 | 25183.27 | 338.27 | 24845.00 | 100054.71 |
| 55 | 2029-09 | 25183.27 | 270.98 | 24912.29 | 75142.42 |
| 56 | 2029-10 | 25183.27 | 203.51 | 24979.76 | 50162.66 |
| 57 | 2029-11 | 25183.27 | 135.86 | 25047.41 | 25115.25 |
| 58 | 2029-12 | 25183.27 | 68.02 | 25115.25 | 0.00 |
等额本金还款方式：
贷款总额：135万
还款月数：4年10个月
首月还款：26932.11元
每月递减：63.04元
利息总额：10.79万
本息合计：145.79万
节省利息：2770.24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 | 26932.11 | 3656.25 | 23275.86 | 1326724.14 |
| 2 | 2025-04 | 26869.07 | 3593.21 | 23275.86 | 1303448.28 |
| 3 | 2025-05 | 26806.03 | 3530.17 | 23275.86 | 1280172.41 |
| 4 | 2025-06 | 26743.00 | 3467.13 | 23275.86 | 1256896.55 |
| 5 | 2025-07 | 26679.96 | 3404.09 | 23275.86 | 1233620.69 |
| 6 | 2025-08 | 26616.92 | 3341.06 | 23275.86 | 1210344.83 |
| 7 | 2025-09 | 26553.88 | 3278.02 | 23275.86 | 1187068.97 |
| 8 | 2025-10 | 26490.84 | 3214.98 | 23275.86 | 1163793.10 |
| 9 | 2025-11 | 26427.80 | 3151.94 | 23275.86 | 1140517.24 |
| 10 | 2025-12 | 26364.76 | 3088.90 | 23275.86 | 1117241.38 |
| 11 | 2026-01 | 26301.72 | 3025.86 | 23275.86 | 1093965.52 |
| 12 | 2026-02 | 26238.69 | 2962.82 | 23275.86 | 1070689.66 |
| 13 | 2026-03 | 26175.65 | 2899.78 | 23275.86 | 1047413.79 |
| 14 | 2026-04 | 26112.61 | 2836.75 | 23275.86 | 1024137.93 |
| 15 | 2026-05 | 26049.57 | 2773.71 | 23275.86 | 1000862.07 |
| 16 | 2026-06 | 25986.53 | 2710.67 | 23275.86 | 977586.21 |
| 17 | 2026-07 | 25923.49 | 2647.63 | 23275.86 | 954310.34 |
| 18 | 2026-08 | 25860.45 | 2584.59 | 23275.86 | 931034.48 |
| 19 | 2026-09 | 25797.41 | 2521.55 | 23275.86 | 907758.62 |
| 20 | 2026-10 | 25734.38 | 2458.51 | 23275.86 | 884482.76 |
| 21 | 2026-11 | 25671.34 | 2395.47 | 23275.86 | 861206.90 |
| 22 | 2026-12 | 25608.30 | 2332.44 | 23275.86 | 837931.03 |
| 23 | 2027-01 | 25545.26 | 2269.40 | 23275.86 | 814655.17 |
| 24 | 2027-02 | 25482.22 | 2206.36 | 23275.86 | 791379.31 |
| 25 | 2027-03 | 25419.18 | 2143.32 | 23275.86 | 768103.45 |
| 26 | 2027-04 | 25356.14 | 2080.28 | 23275.86 | 744827.59 |
| 27 | 2027-05 | 25293.10 | 2017.24 | 23275.86 | 721551.72 |
| 28 | 2027-06 | 25230.06 | 1954.20 | 23275.86 | 698275.86 |
| 29 | 2027-07 | 25167.03 | 1891.16 | 23275.86 | 675000.00 |
| 30 | 2027-08 | 25103.99 | 1828.13 | 23275.86 | 651724.14 |
| 31 | 2027-09 | 25040.95 | 1765.09 | 23275.86 | 628448.28 |
| 32 | 2027-10 | 24977.91 | 1702.05 | 23275.86 | 605172.41 |
| 33 | 2027-11 | 24914.87 | 1639.01 | 23275.86 | 581896.55 |
| 34 | 2027-12 | 24851.83 | 1575.97 | 23275.86 | 558620.69 |
| 35 | 2028-01 | 24788.79 | 1512.93 | 23275.86 | 535344.83 |
| 36 | 2028-02 | 24725.75 | 1449.89 | 23275.86 | 512068.97 |
| 37 | 2028-03 | 24662.72 | 1386.85 | 23275.86 | 488793.10 |
| 38 | 2028-04 | 24599.68 | 1323.81 | 23275.86 | 465517.24 |
| 39 | 2028-05 | 24536.64 | 1260.78 | 23275.86 | 442241.38 |
| 40 | 2028-06 | 24473.60 | 1197.74 | 23275.86 | 418965.52 |
| 41 | 2028-07 | 24410.56 | 1134.70 | 23275.86 | 395689.66 |
| 42 | 2028-08 | 24347.52 | 1071.66 | 23275.86 | 372413.79 |
| 43 | 2028-09 | 24284.48 | 1008.62 | 23275.86 | 349137.93 |
| 44 | 2028-10 | 24221.44 | 945.58 | 23275.86 | 325862.07 |
| 45 | 2028-11 | 24158.41 | 882.54 | 23275.86 | 302586.21 |
| 46 | 2028-12 | 24095.37 | 819.50 | 23275.86 | 279310.34 |
| 47 | 2029-01 | 24032.33 | 756.47 | 23275.86 | 256034.48 |
| 48 | 2029-02 | 23969.29 | 693.43 | 23275.86 | 232758.62 |
| 49 | 2029-03 | 23906.25 | 630.39 | 23275.86 | 209482.76 |
| 50 | 2029-04 | 23843.21 | 567.35 | 23275.86 | 186206.90 |
| 51 | 2029-05 | 23780.17 | 504.31 | 23275.86 | 162931.03 |
| 52 | 2029-06 | 23717.13 | 441.27 | 23275.86 | 139655.17 |
| 53 | 2029-07 | 23654.09 | 378.23 | 23275.86 | 116379.31 |
| 54 | 2029-08 | 23591.06 | 315.19 | 23275.86 | 93103.45 |
| 55 | 2029-09 | 23528.02 | 252.16 | 23275.86 | 69827.59 |
| 56 | 2029-10 | 23464.98 | 189.12 | 23275.86 | 46551.72 |
| 57 | 2029-11 | 23401.94 | 126.08 | 23275.86 | 23275.86 |
| 58 | 2029-12 | 23338.90 | 63.04 | 23275.86 | 0.00 |