贷款44万（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：44万
还款月数：4年
每月还款：9661.51元
利息总额：2.38万
本息合计：46.38万
| 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 | 9661.51 | 953.33 | 8708.18 | 431291.82 |
| 2 | 2025-06 | 9661.51 | 934.47 | 8727.05 | 422564.77 |
| 3 | 2025-07 | 9661.51 | 915.56 | 8745.96 | 413818.82 |
| 4 | 2025-08 | 9661.51 | 896.61 | 8764.90 | 405053.91 |
| 5 | 2025-09 | 9661.51 | 877.62 | 8783.90 | 396270.02 |
| 6 | 2025-10 | 9661.51 | 858.59 | 8802.93 | 387467.09 |
| 7 | 2025-11 | 9661.51 | 839.51 | 8822.00 | 378645.09 |
| 8 | 2025-12 | 9661.51 | 820.40 | 8841.11 | 369803.98 |
| 9 | 2026-01 | 9661.51 | 801.24 | 8860.27 | 360943.71 |
| 10 | 2026-02 | 9661.51 | 782.04 | 8879.47 | 352064.24 |
| 11 | 2026-03 | 9661.51 | 762.81 | 8898.71 | 343165.53 |
| 12 | 2026-04 | 9661.51 | 743.53 | 8917.99 | 334247.55 |
| 13 | 2026-05 | 9661.51 | 724.20 | 8937.31 | 325310.24 |
| 14 | 2026-06 | 9661.51 | 704.84 | 8956.67 | 316353.57 |
| 15 | 2026-07 | 9661.51 | 685.43 | 8976.08 | 307377.49 |
| 16 | 2026-08 | 9661.51 | 665.98 | 8995.53 | 298381.96 |
| 17 | 2026-09 | 9661.51 | 646.49 | 9015.02 | 289366.94 |
| 18 | 2026-10 | 9661.51 | 626.96 | 9034.55 | 280332.39 |
| 19 | 2026-11 | 9661.51 | 607.39 | 9054.13 | 271278.26 |
| 20 | 2026-12 | 9661.51 | 587.77 | 9073.74 | 262204.52 |
| 21 | 2027-01 | 9661.51 | 568.11 | 9093.40 | 253111.12 |
| 22 | 2027-02 | 9661.51 | 548.41 | 9113.10 | 243998.02 |
| 23 | 2027-03 | 9661.51 | 528.66 | 9132.85 | 234865.17 |
| 24 | 2027-04 | 9661.51 | 508.87 | 9152.64 | 225712.53 |
| 25 | 2027-05 | 9661.51 | 489.04 | 9172.47 | 216540.06 |
| 26 | 2027-06 | 9661.51 | 469.17 | 9192.34 | 207347.72 |
| 27 | 2027-07 | 9661.51 | 449.25 | 9212.26 | 198135.46 |
| 28 | 2027-08 | 9661.51 | 429.29 | 9232.22 | 188903.24 |
| 29 | 2027-09 | 9661.51 | 409.29 | 9252.22 | 179651.02 |
| 30 | 2027-10 | 9661.51 | 389.24 | 9272.27 | 170378.75 |
| 31 | 2027-11 | 9661.51 | 369.15 | 9292.36 | 161086.39 |
| 32 | 2027-12 | 9661.51 | 349.02 | 9312.49 | 151773.90 |
| 33 | 2028-01 | 9661.51 | 328.84 | 9332.67 | 142441.23 |
| 34 | 2028-02 | 9661.51 | 308.62 | 9352.89 | 133088.34 |
| 35 | 2028-03 | 9661.51 | 288.36 | 9373.15 | 123715.19 |
| 36 | 2028-04 | 9661.51 | 268.05 | 9393.46 | 114321.73 |
| 37 | 2028-05 | 9661.51 | 247.70 | 9413.82 | 104907.91 |
| 38 | 2028-06 | 9661.51 | 227.30 | 9434.21 | 95473.70 |
| 39 | 2028-07 | 9661.51 | 206.86 | 9454.65 | 86019.05 |
| 40 | 2028-08 | 9661.51 | 186.37 | 9475.14 | 76543.91 |
| 41 | 2028-09 | 9661.51 | 165.85 | 9495.67 | 67048.24 |
| 42 | 2028-10 | 9661.51 | 145.27 | 9516.24 | 57532.00 |
| 43 | 2028-11 | 9661.51 | 124.65 | 9536.86 | 47995.14 |
| 44 | 2028-12 | 9661.51 | 103.99 | 9557.52 | 38437.62 |
| 45 | 2029-01 | 9661.51 | 83.28 | 9578.23 | 28859.39 |
| 46 | 2029-02 | 9661.51 | 62.53 | 9598.98 | 19260.41 |
| 47 | 2029-03 | 9661.51 | 41.73 | 9619.78 | 9640.62 |
| 48 | 2029-04 | 9661.51 | 20.89 | 9640.62 | 0.00 |
等额本金还款方式：
贷款总额：44万
还款月数：4年
首月还款：10120元
每月递减：19.86元
利息总额：2.34万
本息合计：46.34万
节省利息：395.91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 | 10120.00 | 953.33 | 9166.67 | 430833.33 |
| 2 | 2025-06 | 10100.14 | 933.47 | 9166.67 | 421666.67 |
| 3 | 2025-07 | 10080.28 | 913.61 | 9166.67 | 412500.00 |
| 4 | 2025-08 | 10060.42 | 893.75 | 9166.67 | 403333.33 |
| 5 | 2025-09 | 10040.56 | 873.89 | 9166.67 | 394166.67 |
| 6 | 2025-10 | 10020.69 | 854.03 | 9166.67 | 385000.00 |
| 7 | 2025-11 | 10000.83 | 834.17 | 9166.67 | 375833.33 |
| 8 | 2025-12 | 9980.97 | 814.31 | 9166.67 | 366666.67 |
| 9 | 2026-01 | 9961.11 | 794.44 | 9166.67 | 357500.00 |
| 10 | 2026-02 | 9941.25 | 774.58 | 9166.67 | 348333.33 |
| 11 | 2026-03 | 9921.39 | 754.72 | 9166.67 | 339166.67 |
| 12 | 2026-04 | 9901.53 | 734.86 | 9166.67 | 330000.00 |
| 13 | 2026-05 | 9881.67 | 715.00 | 9166.67 | 320833.33 |
| 14 | 2026-06 | 9861.81 | 695.14 | 9166.67 | 311666.67 |
| 15 | 2026-07 | 9841.94 | 675.28 | 9166.67 | 302500.00 |
| 16 | 2026-08 | 9822.08 | 655.42 | 9166.67 | 293333.33 |
| 17 | 2026-09 | 9802.22 | 635.56 | 9166.67 | 284166.67 |
| 18 | 2026-10 | 9782.36 | 615.69 | 9166.67 | 275000.00 |
| 19 | 2026-11 | 9762.50 | 595.83 | 9166.67 | 265833.33 |
| 20 | 2026-12 | 9742.64 | 575.97 | 9166.67 | 256666.67 |
| 21 | 2027-01 | 9722.78 | 556.11 | 9166.67 | 247500.00 |
| 22 | 2027-02 | 9702.92 | 536.25 | 9166.67 | 238333.33 |
| 23 | 2027-03 | 9683.06 | 516.39 | 9166.67 | 229166.67 |
| 24 | 2027-04 | 9663.19 | 496.53 | 9166.67 | 220000.00 |
| 25 | 2027-05 | 9643.33 | 476.67 | 9166.67 | 210833.33 |
| 26 | 2027-06 | 9623.47 | 456.81 | 9166.67 | 201666.67 |
| 27 | 2027-07 | 9603.61 | 436.94 | 9166.67 | 192500.00 |
| 28 | 2027-08 | 9583.75 | 417.08 | 9166.67 | 183333.33 |
| 29 | 2027-09 | 9563.89 | 397.22 | 9166.67 | 174166.67 |
| 30 | 2027-10 | 9544.03 | 377.36 | 9166.67 | 165000.00 |
| 31 | 2027-11 | 9524.17 | 357.50 | 9166.67 | 155833.33 |
| 32 | 2027-12 | 9504.31 | 337.64 | 9166.67 | 146666.67 |
| 33 | 2028-01 | 9484.44 | 317.78 | 9166.67 | 137500.00 |
| 34 | 2028-02 | 9464.58 | 297.92 | 9166.67 | 128333.33 |
| 35 | 2028-03 | 9444.72 | 278.06 | 9166.67 | 119166.67 |
| 36 | 2028-04 | 9424.86 | 258.19 | 9166.67 | 110000.00 |
| 37 | 2028-05 | 9405.00 | 238.33 | 9166.67 | 100833.33 |
| 38 | 2028-06 | 9385.14 | 218.47 | 9166.67 | 91666.67 |
| 39 | 2028-07 | 9365.28 | 198.61 | 9166.67 | 82500.00 |
| 40 | 2028-08 | 9345.42 | 178.75 | 9166.67 | 73333.33 |
| 41 | 2028-09 | 9325.56 | 158.89 | 9166.67 | 64166.67 |
| 42 | 2028-10 | 9305.69 | 139.03 | 9166.67 | 55000.00 |
| 43 | 2028-11 | 9285.83 | 119.17 | 9166.67 | 45833.33 |
| 44 | 2028-12 | 9265.97 | 99.31 | 9166.67 | 36666.67 |
| 45 | 2029-01 | 9246.11 | 79.44 | 9166.67 | 27500.00 |
| 46 | 2029-02 | 9226.25 | 59.58 | 9166.67 | 18333.33 |
| 47 | 2029-03 | 9206.39 | 39.72 | 9166.67 | 9166.67 |
| 48 | 2029-04 | 9186.53 | 19.86 | 9166.67 | 0.00 |