宜春贷款12万（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：12万
还款月数：4年
每月还款：2669.4元
利息总额：8131.15元
本息合计：12.81万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 2669.40 | 325.00 | 2344.40 | 117655.60 |
| 2 | 2025-06 | 2669.40 | 318.65 | 2350.75 | 115304.85 |
| 3 | 2025-07 | 2669.40 | 312.28 | 2357.12 | 112947.74 |
| 4 | 2025-08 | 2669.40 | 305.90 | 2363.50 | 110584.24 |
| 5 | 2025-09 | 2669.40 | 299.50 | 2369.90 | 108214.34 |
| 6 | 2025-10 | 2669.40 | 293.08 | 2376.32 | 105838.02 |
| 7 | 2025-11 | 2669.40 | 286.64 | 2382.75 | 103455.27 |
| 8 | 2025-12 | 2669.40 | 280.19 | 2389.21 | 101066.06 |
| 9 | 2026-01 | 2669.40 | 273.72 | 2395.68 | 98670.38 |
| 10 | 2026-02 | 2669.40 | 267.23 | 2402.17 | 96268.21 |
| 11 | 2026-03 | 2669.40 | 260.73 | 2408.67 | 93859.54 |
| 12 | 2026-04 | 2669.40 | 254.20 | 2415.20 | 91444.34 |
| 13 | 2026-05 | 2669.40 | 247.66 | 2421.74 | 89022.61 |
| 14 | 2026-06 | 2669.40 | 241.10 | 2428.30 | 86594.31 |
| 15 | 2026-07 | 2669.40 | 234.53 | 2434.87 | 84159.44 |
| 16 | 2026-08 | 2669.40 | 227.93 | 2441.47 | 81717.97 |
| 17 | 2026-09 | 2669.40 | 221.32 | 2448.08 | 79269.89 |
| 18 | 2026-10 | 2669.40 | 214.69 | 2454.71 | 76815.18 |
| 19 | 2026-11 | 2669.40 | 208.04 | 2461.36 | 74353.82 |
| 20 | 2026-12 | 2669.40 | 201.37 | 2468.02 | 71885.80 |
| 21 | 2027-01 | 2669.40 | 194.69 | 2474.71 | 69411.09 |
| 22 | 2027-02 | 2669.40 | 187.99 | 2481.41 | 66929.68 |
| 23 | 2027-03 | 2669.40 | 181.27 | 2488.13 | 64441.55 |
| 24 | 2027-04 | 2669.40 | 174.53 | 2494.87 | 61946.68 |
| 25 | 2027-05 | 2669.40 | 167.77 | 2501.63 | 59445.05 |
| 26 | 2027-06 | 2669.40 | 161.00 | 2508.40 | 56936.65 |
| 27 | 2027-07 | 2669.40 | 154.20 | 2515.20 | 54421.46 |
| 28 | 2027-08 | 2669.40 | 147.39 | 2522.01 | 51899.45 |
| 29 | 2027-09 | 2669.40 | 140.56 | 2528.84 | 49370.61 |
| 30 | 2027-10 | 2669.40 | 133.71 | 2535.69 | 46834.92 |
| 31 | 2027-11 | 2669.40 | 126.84 | 2542.55 | 44292.37 |
| 32 | 2027-12 | 2669.40 | 119.96 | 2549.44 | 41742.93 |
| 33 | 2028-01 | 2669.40 | 113.05 | 2556.35 | 39186.58 |
| 34 | 2028-02 | 2669.40 | 106.13 | 2563.27 | 36623.32 |
| 35 | 2028-03 | 2669.40 | 99.19 | 2570.21 | 34053.10 |
| 36 | 2028-04 | 2669.40 | 92.23 | 2577.17 | 31475.93 |
| 37 | 2028-05 | 2669.40 | 85.25 | 2584.15 | 28891.78 |
| 38 | 2028-06 | 2669.40 | 78.25 | 2591.15 | 26300.63 |
| 39 | 2028-07 | 2669.40 | 71.23 | 2598.17 | 23702.46 |
| 40 | 2028-08 | 2669.40 | 64.19 | 2605.20 | 21097.26 |
| 41 | 2028-09 | 2669.40 | 57.14 | 2612.26 | 18485.00 |
| 42 | 2028-10 | 2669.40 | 50.06 | 2619.34 | 15865.66 |
| 43 | 2028-11 | 2669.40 | 42.97 | 2626.43 | 13239.23 |
| 44 | 2028-12 | 2669.40 | 35.86 | 2633.54 | 10605.69 |
| 45 | 2029-01 | 2669.40 | 28.72 | 2640.68 | 7965.01 |
| 46 | 2029-02 | 2669.40 | 21.57 | 2647.83 | 5317.19 |
| 47 | 2029-03 | 2669.40 | 14.40 | 2655.00 | 2662.19 |
| 48 | 2029-04 | 2669.40 | 7.21 | 2662.19 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：4年
首月还款：2825元
每月递减：6.77元
利息总额：7962.5元
本息合计：12.8万
节省利息：168.65元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 2825.00 | 325.00 | 2500.00 | 117500.00 |
| 2 | 2025-06 | 2818.23 | 318.23 | 2500.00 | 115000.00 |
| 3 | 2025-07 | 2811.46 | 311.46 | 2500.00 | 112500.00 |
| 4 | 2025-08 | 2804.69 | 304.69 | 2500.00 | 110000.00 |
| 5 | 2025-09 | 2797.92 | 297.92 | 2500.00 | 107500.00 |
| 6 | 2025-10 | 2791.15 | 291.15 | 2500.00 | 105000.00 |
| 7 | 2025-11 | 2784.38 | 284.38 | 2500.00 | 102500.00 |
| 8 | 2025-12 | 2777.60 | 277.60 | 2500.00 | 100000.00 |
| 9 | 2026-01 | 2770.83 | 270.83 | 2500.00 | 97500.00 |
| 10 | 2026-02 | 2764.06 | 264.06 | 2500.00 | 95000.00 |
| 11 | 2026-03 | 2757.29 | 257.29 | 2500.00 | 92500.00 |
| 12 | 2026-04 | 2750.52 | 250.52 | 2500.00 | 90000.00 |
| 13 | 2026-05 | 2743.75 | 243.75 | 2500.00 | 87500.00 |
| 14 | 2026-06 | 2736.98 | 236.98 | 2500.00 | 85000.00 |
| 15 | 2026-07 | 2730.21 | 230.21 | 2500.00 | 82500.00 |
| 16 | 2026-08 | 2723.44 | 223.44 | 2500.00 | 80000.00 |
| 17 | 2026-09 | 2716.67 | 216.67 | 2500.00 | 77500.00 |
| 18 | 2026-10 | 2709.90 | 209.90 | 2500.00 | 75000.00 |
| 19 | 2026-11 | 2703.13 | 203.13 | 2500.00 | 72500.00 |
| 20 | 2026-12 | 2696.35 | 196.35 | 2500.00 | 70000.00 |
| 21 | 2027-01 | 2689.58 | 189.58 | 2500.00 | 67500.00 |
| 22 | 2027-02 | 2682.81 | 182.81 | 2500.00 | 65000.00 |
| 23 | 2027-03 | 2676.04 | 176.04 | 2500.00 | 62500.00 |
| 24 | 2027-04 | 2669.27 | 169.27 | 2500.00 | 60000.00 |
| 25 | 2027-05 | 2662.50 | 162.50 | 2500.00 | 57500.00 |
| 26 | 2027-06 | 2655.73 | 155.73 | 2500.00 | 55000.00 |
| 27 | 2027-07 | 2648.96 | 148.96 | 2500.00 | 52500.00 |
| 28 | 2027-08 | 2642.19 | 142.19 | 2500.00 | 50000.00 |
| 29 | 2027-09 | 2635.42 | 135.42 | 2500.00 | 47500.00 |
| 30 | 2027-10 | 2628.65 | 128.65 | 2500.00 | 45000.00 |
| 31 | 2027-11 | 2621.88 | 121.88 | 2500.00 | 42500.00 |
| 32 | 2027-12 | 2615.10 | 115.10 | 2500.00 | 40000.00 |
| 33 | 2028-01 | 2608.33 | 108.33 | 2500.00 | 37500.00 |
| 34 | 2028-02 | 2601.56 | 101.56 | 2500.00 | 35000.00 |
| 35 | 2028-03 | 2594.79 | 94.79 | 2500.00 | 32500.00 |
| 36 | 2028-04 | 2588.02 | 88.02 | 2500.00 | 30000.00 |
| 37 | 2028-05 | 2581.25 | 81.25 | 2500.00 | 27500.00 |
| 38 | 2028-06 | 2574.48 | 74.48 | 2500.00 | 25000.00 |
| 39 | 2028-07 | 2567.71 | 67.71 | 2500.00 | 22500.00 |
| 40 | 2028-08 | 2560.94 | 60.94 | 2500.00 | 20000.00 |
| 41 | 2028-09 | 2554.17 | 54.17 | 2500.00 | 17500.00 |
| 42 | 2028-10 | 2547.40 | 47.40 | 2500.00 | 15000.00 |
| 43 | 2028-11 | 2540.63 | 40.63 | 2500.00 | 12500.00 |
| 44 | 2028-12 | 2533.85 | 33.85 | 2500.00 | 10000.00 |
| 45 | 2029-01 | 2527.08 | 27.08 | 2500.00 | 7500.00 |
| 46 | 2029-02 | 2520.31 | 20.31 | 2500.00 | 5000.00 |
| 47 | 2029-03 | 2513.54 | 13.54 | 2500.00 | 2500.00 |
| 48 | 2029-04 | 2506.77 | 6.77 | 2500.00 | 0.00 |