贷款4690元（公积金贷款）房贷，还款3年7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：4690元
还款月数：3年7个月
每月还款：114.35元
利息总额：226.94元
本息合计：4916.94元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-04 | 114.35 | 10.16 | 104.19 | 4585.81 |
| 2 | 2026-05 | 114.35 | 9.94 | 104.41 | 4481.40 |
| 3 | 2026-06 | 114.35 | 9.71 | 104.64 | 4376.76 |
| 4 | 2026-07 | 114.35 | 9.48 | 104.86 | 4271.90 |
| 5 | 2026-08 | 114.35 | 9.26 | 105.09 | 4166.81 |
| 6 | 2026-09 | 114.35 | 9.03 | 105.32 | 4061.49 |
| 7 | 2026-10 | 114.35 | 8.80 | 105.55 | 3955.94 |
| 8 | 2026-11 | 114.35 | 8.57 | 105.78 | 3850.17 |
| 9 | 2026-12 | 114.35 | 8.34 | 106.01 | 3744.16 |
| 10 | 2027-01 | 114.35 | 8.11 | 106.24 | 3637.92 |
| 11 | 2027-02 | 114.35 | 7.88 | 106.47 | 3531.46 |
| 12 | 2027-03 | 114.35 | 7.65 | 106.70 | 3424.76 |
| 13 | 2027-04 | 114.35 | 7.42 | 106.93 | 3317.84 |
| 14 | 2027-05 | 114.35 | 7.19 | 107.16 | 3210.68 |
| 15 | 2027-06 | 114.35 | 6.96 | 107.39 | 3103.29 |
| 16 | 2027-07 | 114.35 | 6.72 | 107.62 | 2995.66 |
| 17 | 2027-08 | 114.35 | 6.49 | 107.86 | 2887.81 |
| 18 | 2027-09 | 114.35 | 6.26 | 108.09 | 2779.71 |
| 19 | 2027-10 | 114.35 | 6.02 | 108.32 | 2671.39 |
| 20 | 2027-11 | 114.35 | 5.79 | 108.56 | 2562.83 |
| 21 | 2027-12 | 114.35 | 5.55 | 108.79 | 2454.04 |
| 22 | 2028-01 | 114.35 | 5.32 | 109.03 | 2345.01 |
| 23 | 2028-02 | 114.35 | 5.08 | 109.27 | 2235.74 |
| 24 | 2028-03 | 114.35 | 4.84 | 109.50 | 2126.24 |
| 25 | 2028-04 | 114.35 | 4.61 | 109.74 | 2016.49 |
| 26 | 2028-05 | 114.35 | 4.37 | 109.98 | 1906.52 |
| 27 | 2028-06 | 114.35 | 4.13 | 110.22 | 1796.30 |
| 28 | 2028-07 | 114.35 | 3.89 | 110.46 | 1685.84 |
| 29 | 2028-08 | 114.35 | 3.65 | 110.69 | 1575.15 |
| 30 | 2028-09 | 114.35 | 3.41 | 110.93 | 1464.21 |
| 31 | 2028-10 | 114.35 | 3.17 | 111.18 | 1353.04 |
| 32 | 2028-11 | 114.35 | 2.93 | 111.42 | 1241.62 |
| 33 | 2028-12 | 114.35 | 2.69 | 111.66 | 1129.97 |
| 34 | 2029-01 | 114.35 | 2.45 | 111.90 | 1018.07 |
| 35 | 2029-02 | 114.35 | 2.21 | 112.14 | 905.93 |
| 36 | 2029-03 | 114.35 | 1.96 | 112.38 | 793.54 |
| 37 | 2029-04 | 114.35 | 1.72 | 112.63 | 680.91 |
| 38 | 2029-05 | 114.35 | 1.48 | 112.87 | 568.04 |
| 39 | 2029-06 | 114.35 | 1.23 | 113.12 | 454.92 |
| 40 | 2029-07 | 114.35 | 0.99 | 113.36 | 341.56 |
| 41 | 2029-08 | 114.35 | 0.74 | 113.61 | 227.95 |
| 42 | 2029-09 | 114.35 | 0.49 | 113.85 | 114.10 |
| 43 | 2029-10 | 114.35 | 0.25 | 114.10 | 0.00 |
等额本金还款方式：
贷款总额：4690元
还款月数：3年7个月
首月还款：119.23元
每月递减：0.24元
利息总额：223.56元
本息合计：4913.56元
节省利息：3.39元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-04 | 119.23 | 10.16 | 109.07 | 4580.93 |
| 2 | 2026-05 | 119.00 | 9.93 | 109.07 | 4471.86 |
| 3 | 2026-06 | 118.76 | 9.69 | 109.07 | 4362.79 |
| 4 | 2026-07 | 118.52 | 9.45 | 109.07 | 4253.72 |
| 5 | 2026-08 | 118.29 | 9.22 | 109.07 | 4144.65 |
| 6 | 2026-09 | 118.05 | 8.98 | 109.07 | 4035.58 |
| 7 | 2026-10 | 117.81 | 8.74 | 109.07 | 3926.51 |
| 8 | 2026-11 | 117.58 | 8.51 | 109.07 | 3817.44 |
| 9 | 2026-12 | 117.34 | 8.27 | 109.07 | 3708.37 |
| 10 | 2027-01 | 117.10 | 8.03 | 109.07 | 3599.30 |
| 11 | 2027-02 | 116.87 | 7.80 | 109.07 | 3490.23 |
| 12 | 2027-03 | 116.63 | 7.56 | 109.07 | 3381.16 |
| 13 | 2027-04 | 116.40 | 7.33 | 109.07 | 3272.09 |
| 14 | 2027-05 | 116.16 | 7.09 | 109.07 | 3163.02 |
| 15 | 2027-06 | 115.92 | 6.85 | 109.07 | 3053.95 |
| 16 | 2027-07 | 115.69 | 6.62 | 109.07 | 2944.88 |
| 17 | 2027-08 | 115.45 | 6.38 | 109.07 | 2835.81 |
| 18 | 2027-09 | 115.21 | 6.14 | 109.07 | 2726.74 |
| 19 | 2027-10 | 114.98 | 5.91 | 109.07 | 2617.67 |
| 20 | 2027-11 | 114.74 | 5.67 | 109.07 | 2508.60 |
| 21 | 2027-12 | 114.51 | 5.44 | 109.07 | 2399.53 |
| 22 | 2028-01 | 114.27 | 5.20 | 109.07 | 2290.47 |
| 23 | 2028-02 | 114.03 | 4.96 | 109.07 | 2181.40 |
| 24 | 2028-03 | 113.80 | 4.73 | 109.07 | 2072.33 |
| 25 | 2028-04 | 113.56 | 4.49 | 109.07 | 1963.26 |
| 26 | 2028-05 | 113.32 | 4.25 | 109.07 | 1854.19 |
| 27 | 2028-06 | 113.09 | 4.02 | 109.07 | 1745.12 |
| 28 | 2028-07 | 112.85 | 3.78 | 109.07 | 1636.05 |
| 29 | 2028-08 | 112.61 | 3.54 | 109.07 | 1526.98 |
| 30 | 2028-09 | 112.38 | 3.31 | 109.07 | 1417.91 |
| 31 | 2028-10 | 112.14 | 3.07 | 109.07 | 1308.84 |
| 32 | 2028-11 | 111.91 | 2.84 | 109.07 | 1199.77 |
| 33 | 2028-12 | 111.67 | 2.60 | 109.07 | 1090.70 |
| 34 | 2029-01 | 111.43 | 2.36 | 109.07 | 981.63 |
| 35 | 2029-02 | 111.20 | 2.13 | 109.07 | 872.56 |
| 36 | 2029-03 | 110.96 | 1.89 | 109.07 | 763.49 |
| 37 | 2029-04 | 110.72 | 1.65 | 109.07 | 654.42 |
| 38 | 2029-05 | 110.49 | 1.42 | 109.07 | 545.35 |
| 39 | 2029-06 | 110.25 | 1.18 | 109.07 | 436.28 |
| 40 | 2029-07 | 110.02 | 0.95 | 109.07 | 327.21 |
| 41 | 2029-08 | 109.78 | 0.71 | 109.07 | 218.14 |
| 42 | 2029-09 | 109.54 | 0.47 | 109.07 | 109.07 |
| 43 | 2029-10 | 109.31 | 0.24 | 109.07 | 0.00 |