沈阳贷款36万（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：36万
还款月数：4年
每月还款：7944.51元
利息总额：2.13万
本息合计：38.13万
| 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 | 7944.51 | 855.00 | 7089.51 | 352910.49 |
| 2 | 2025-05 | 7944.51 | 838.16 | 7106.35 | 345804.13 |
| 3 | 2025-06 | 7944.51 | 821.28 | 7123.23 | 338680.91 |
| 4 | 2025-07 | 7944.51 | 804.37 | 7140.15 | 331540.76 |
| 5 | 2025-08 | 7944.51 | 787.41 | 7157.10 | 324383.65 |
| 6 | 2025-09 | 7944.51 | 770.41 | 7174.10 | 317209.55 |
| 7 | 2025-10 | 7944.51 | 753.37 | 7191.14 | 310018.41 |
| 8 | 2025-11 | 7944.51 | 736.29 | 7208.22 | 302810.19 |
| 9 | 2025-12 | 7944.51 | 719.17 | 7225.34 | 295584.85 |
| 10 | 2026-01 | 7944.51 | 702.01 | 7242.50 | 288342.35 |
| 11 | 2026-02 | 7944.51 | 684.81 | 7259.70 | 281082.65 |
| 12 | 2026-03 | 7944.51 | 667.57 | 7276.94 | 273805.71 |
| 13 | 2026-04 | 7944.51 | 650.29 | 7294.23 | 266511.48 |
| 14 | 2026-05 | 7944.51 | 632.96 | 7311.55 | 259199.93 |
| 15 | 2026-06 | 7944.51 | 615.60 | 7328.91 | 251871.02 |
| 16 | 2026-07 | 7944.51 | 598.19 | 7346.32 | 244524.70 |
| 17 | 2026-08 | 7944.51 | 580.75 | 7363.77 | 237160.93 |
| 18 | 2026-09 | 7944.51 | 563.26 | 7381.26 | 229779.67 |
| 19 | 2026-10 | 7944.51 | 545.73 | 7398.79 | 222380.89 |
| 20 | 2026-11 | 7944.51 | 528.15 | 7416.36 | 214964.53 |
| 21 | 2026-12 | 7944.51 | 510.54 | 7433.97 | 207530.56 |
| 22 | 2027-01 | 7944.51 | 492.89 | 7451.63 | 200078.93 |
| 23 | 2027-02 | 7944.51 | 475.19 | 7469.33 | 192609.60 |
| 24 | 2027-03 | 7944.51 | 457.45 | 7487.07 | 185122.53 |
| 25 | 2027-04 | 7944.51 | 439.67 | 7504.85 | 177617.69 |
| 26 | 2027-05 | 7944.51 | 421.84 | 7522.67 | 170095.01 |
| 27 | 2027-06 | 7944.51 | 403.98 | 7540.54 | 162554.48 |
| 28 | 2027-07 | 7944.51 | 386.07 | 7558.45 | 154996.03 |
| 29 | 2027-08 | 7944.51 | 368.12 | 7576.40 | 147419.63 |
| 30 | 2027-09 | 7944.51 | 350.12 | 7594.39 | 139825.24 |
| 31 | 2027-10 | 7944.51 | 332.08 | 7612.43 | 132212.81 |
| 32 | 2027-11 | 7944.51 | 314.01 | 7630.51 | 124582.30 |
| 33 | 2027-12 | 7944.51 | 295.88 | 7648.63 | 116933.67 |
| 34 | 2028-01 | 7944.51 | 277.72 | 7666.80 | 109266.87 |
| 35 | 2028-02 | 7944.51 | 259.51 | 7685.01 | 101581.87 |
| 36 | 2028-03 | 7944.51 | 241.26 | 7703.26 | 93878.61 |
| 37 | 2028-04 | 7944.51 | 222.96 | 7721.55 | 86157.06 |
| 38 | 2028-05 | 7944.51 | 204.62 | 7739.89 | 78417.17 |
| 39 | 2028-06 | 7944.51 | 186.24 | 7758.27 | 70658.90 |
| 40 | 2028-07 | 7944.51 | 167.81 | 7776.70 | 62882.20 |
| 41 | 2028-08 | 7944.51 | 149.35 | 7795.17 | 55087.03 |
| 42 | 2028-09 | 7944.51 | 130.83 | 7813.68 | 47273.35 |
| 43 | 2028-10 | 7944.51 | 112.27 | 7832.24 | 39441.11 |
| 44 | 2028-11 | 7944.51 | 93.67 | 7850.84 | 31590.27 |
| 45 | 2028-12 | 7944.51 | 75.03 | 7869.49 | 23720.78 |
| 46 | 2029-01 | 7944.51 | 56.34 | 7888.18 | 15832.60 |
| 47 | 2029-02 | 7944.51 | 37.60 | 7906.91 | 7925.69 |
| 48 | 2029-03 | 7944.51 | 18.82 | 7925.69 | 0.00 |
等额本金还款方式：
贷款总额：36万
还款月数：4年
首月还款：8355元
每月递减：17.81元
利息总额：2.09万
本息合计：38.09万
节省利息：389.16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 | 8355.00 | 855.00 | 7500.00 | 352500.00 |
| 2 | 2025-05 | 8337.19 | 837.19 | 7500.00 | 345000.00 |
| 3 | 2025-06 | 8319.38 | 819.38 | 7500.00 | 337500.00 |
| 4 | 2025-07 | 8301.56 | 801.56 | 7500.00 | 330000.00 |
| 5 | 2025-08 | 8283.75 | 783.75 | 7500.00 | 322500.00 |
| 6 | 2025-09 | 8265.94 | 765.94 | 7500.00 | 315000.00 |
| 7 | 2025-10 | 8248.13 | 748.13 | 7500.00 | 307500.00 |
| 8 | 2025-11 | 8230.31 | 730.31 | 7500.00 | 300000.00 |
| 9 | 2025-12 | 8212.50 | 712.50 | 7500.00 | 292500.00 |
| 10 | 2026-01 | 8194.69 | 694.69 | 7500.00 | 285000.00 |
| 11 | 2026-02 | 8176.88 | 676.88 | 7500.00 | 277500.00 |
| 12 | 2026-03 | 8159.06 | 659.06 | 7500.00 | 270000.00 |
| 13 | 2026-04 | 8141.25 | 641.25 | 7500.00 | 262500.00 |
| 14 | 2026-05 | 8123.44 | 623.44 | 7500.00 | 255000.00 |
| 15 | 2026-06 | 8105.63 | 605.63 | 7500.00 | 247500.00 |
| 16 | 2026-07 | 8087.81 | 587.81 | 7500.00 | 240000.00 |
| 17 | 2026-08 | 8070.00 | 570.00 | 7500.00 | 232500.00 |
| 18 | 2026-09 | 8052.19 | 552.19 | 7500.00 | 225000.00 |
| 19 | 2026-10 | 8034.38 | 534.38 | 7500.00 | 217500.00 |
| 20 | 2026-11 | 8016.56 | 516.56 | 7500.00 | 210000.00 |
| 21 | 2026-12 | 7998.75 | 498.75 | 7500.00 | 202500.00 |
| 22 | 2027-01 | 7980.94 | 480.94 | 7500.00 | 195000.00 |
| 23 | 2027-02 | 7963.13 | 463.13 | 7500.00 | 187500.00 |
| 24 | 2027-03 | 7945.31 | 445.31 | 7500.00 | 180000.00 |
| 25 | 2027-04 | 7927.50 | 427.50 | 7500.00 | 172500.00 |
| 26 | 2027-05 | 7909.69 | 409.69 | 7500.00 | 165000.00 |
| 27 | 2027-06 | 7891.88 | 391.88 | 7500.00 | 157500.00 |
| 28 | 2027-07 | 7874.06 | 374.06 | 7500.00 | 150000.00 |
| 29 | 2027-08 | 7856.25 | 356.25 | 7500.00 | 142500.00 |
| 30 | 2027-09 | 7838.44 | 338.44 | 7500.00 | 135000.00 |
| 31 | 2027-10 | 7820.63 | 320.63 | 7500.00 | 127500.00 |
| 32 | 2027-11 | 7802.81 | 302.81 | 7500.00 | 120000.00 |
| 33 | 2027-12 | 7785.00 | 285.00 | 7500.00 | 112500.00 |
| 34 | 2028-01 | 7767.19 | 267.19 | 7500.00 | 105000.00 |
| 35 | 2028-02 | 7749.38 | 249.38 | 7500.00 | 97500.00 |
| 36 | 2028-03 | 7731.56 | 231.56 | 7500.00 | 90000.00 |
| 37 | 2028-04 | 7713.75 | 213.75 | 7500.00 | 82500.00 |
| 38 | 2028-05 | 7695.94 | 195.94 | 7500.00 | 75000.00 |
| 39 | 2028-06 | 7678.13 | 178.13 | 7500.00 | 67500.00 |
| 40 | 2028-07 | 7660.31 | 160.31 | 7500.00 | 60000.00 |
| 41 | 2028-08 | 7642.50 | 142.50 | 7500.00 | 52500.00 |
| 42 | 2028-09 | 7624.69 | 124.69 | 7500.00 | 45000.00 |
| 43 | 2028-10 | 7606.88 | 106.88 | 7500.00 | 37500.00 |
| 44 | 2028-11 | 7589.06 | 89.06 | 7500.00 | 30000.00 |
| 45 | 2028-12 | 7571.25 | 71.25 | 7500.00 | 22500.00 |
| 46 | 2029-01 | 7553.44 | 53.44 | 7500.00 | 15000.00 |
| 47 | 2029-02 | 7535.63 | 35.63 | 7500.00 | 7500.00 |
| 48 | 2029-03 | 7517.81 | 17.81 | 7500.00 | 0.00 |