贷款37.2万（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：37.2万
还款月数：4年
每月还款：8086.83元
利息总额：1.62万
本息合计：38.82万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 8086.83 | 651.00 | 7435.83 | 364564.17 |
| 2 | 2025-08 | 8086.83 | 637.99 | 7448.84 | 357115.32 |
| 3 | 2025-09 | 8086.83 | 624.95 | 7461.88 | 349653.44 |
| 4 | 2025-10 | 8086.83 | 611.89 | 7474.94 | 342178.51 |
| 5 | 2025-11 | 8086.83 | 598.81 | 7488.02 | 334690.49 |
| 6 | 2025-12 | 8086.83 | 585.71 | 7501.12 | 327189.36 |
| 7 | 2026-01 | 8086.83 | 572.58 | 7514.25 | 319675.11 |
| 8 | 2026-02 | 8086.83 | 559.43 | 7527.40 | 312147.71 |
| 9 | 2026-03 | 8086.83 | 546.26 | 7540.57 | 304607.14 |
| 10 | 2026-04 | 8086.83 | 533.06 | 7553.77 | 297053.37 |
| 11 | 2026-05 | 8086.83 | 519.84 | 7566.99 | 289486.38 |
| 12 | 2026-06 | 8086.83 | 506.60 | 7580.23 | 281906.15 |
| 13 | 2026-07 | 8086.83 | 493.34 | 7593.50 | 274312.65 |
| 14 | 2026-08 | 8086.83 | 480.05 | 7606.78 | 266705.87 |
| 15 | 2026-09 | 8086.83 | 466.74 | 7620.10 | 259085.77 |
| 16 | 2026-10 | 8086.83 | 453.40 | 7633.43 | 251452.34 |
| 17 | 2026-11 | 8086.83 | 440.04 | 7646.79 | 243805.55 |
| 18 | 2026-12 | 8086.83 | 426.66 | 7660.17 | 236145.38 |
| 19 | 2027-01 | 8086.83 | 413.25 | 7673.58 | 228471.80 |
| 20 | 2027-02 | 8086.83 | 399.83 | 7687.01 | 220784.80 |
| 21 | 2027-03 | 8086.83 | 386.37 | 7700.46 | 213084.34 |
| 22 | 2027-04 | 8086.83 | 372.90 | 7713.93 | 205370.40 |
| 23 | 2027-05 | 8086.83 | 359.40 | 7727.43 | 197642.97 |
| 24 | 2027-06 | 8086.83 | 345.88 | 7740.96 | 189902.01 |
| 25 | 2027-07 | 8086.83 | 332.33 | 7754.50 | 182147.51 |
| 26 | 2027-08 | 8086.83 | 318.76 | 7768.07 | 174379.44 |
| 27 | 2027-09 | 8086.83 | 305.16 | 7781.67 | 166597.77 |
| 28 | 2027-10 | 8086.83 | 291.55 | 7795.29 | 158802.48 |
| 29 | 2027-11 | 8086.83 | 277.90 | 7808.93 | 150993.56 |
| 30 | 2027-12 | 8086.83 | 264.24 | 7822.59 | 143170.96 |
| 31 | 2028-01 | 8086.83 | 250.55 | 7836.28 | 135334.68 |
| 32 | 2028-02 | 8086.83 | 236.84 | 7850.00 | 127484.68 |
| 33 | 2028-03 | 8086.83 | 223.10 | 7863.73 | 119620.95 |
| 34 | 2028-04 | 8086.83 | 209.34 | 7877.50 | 111743.46 |
| 35 | 2028-05 | 8086.83 | 195.55 | 7891.28 | 103852.17 |
| 36 | 2028-06 | 8086.83 | 181.74 | 7905.09 | 95947.08 |
| 37 | 2028-07 | 8086.83 | 167.91 | 7918.92 | 88028.16 |
| 38 | 2028-08 | 8086.83 | 154.05 | 7932.78 | 80095.38 |
| 39 | 2028-09 | 8086.83 | 140.17 | 7946.66 | 72148.71 |
| 40 | 2028-10 | 8086.83 | 126.26 | 7960.57 | 64188.14 |
| 41 | 2028-11 | 8086.83 | 112.33 | 7974.50 | 56213.64 |
| 42 | 2028-12 | 8086.83 | 98.37 | 7988.46 | 48225.18 |
| 43 | 2029-01 | 8086.83 | 84.39 | 8002.44 | 40222.74 |
| 44 | 2029-02 | 8086.83 | 70.39 | 8016.44 | 32206.30 |
| 45 | 2029-03 | 8086.83 | 56.36 | 8030.47 | 24175.83 |
| 46 | 2029-04 | 8086.83 | 42.31 | 8044.52 | 16131.31 |
| 47 | 2029-05 | 8086.83 | 28.23 | 8058.60 | 8072.70 |
| 48 | 2029-06 | 8086.83 | 14.13 | 8072.70 | 0.00 |
等额本金还款方式：
贷款总额：37.2万
还款月数：4年
首月还款：8401元
每月递减：13.56元
利息总额：1.59万
本息合计：38.79万
节省利息：218.42元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 8401.00 | 651.00 | 7750.00 | 364250.00 |
| 2 | 2025-08 | 8387.44 | 637.44 | 7750.00 | 356500.00 |
| 3 | 2025-09 | 8373.88 | 623.88 | 7750.00 | 348750.00 |
| 4 | 2025-10 | 8360.31 | 610.31 | 7750.00 | 341000.00 |
| 5 | 2025-11 | 8346.75 | 596.75 | 7750.00 | 333250.00 |
| 6 | 2025-12 | 8333.19 | 583.19 | 7750.00 | 325500.00 |
| 7 | 2026-01 | 8319.63 | 569.63 | 7750.00 | 317750.00 |
| 8 | 2026-02 | 8306.06 | 556.06 | 7750.00 | 310000.00 |
| 9 | 2026-03 | 8292.50 | 542.50 | 7750.00 | 302250.00 |
| 10 | 2026-04 | 8278.94 | 528.94 | 7750.00 | 294500.00 |
| 11 | 2026-05 | 8265.38 | 515.38 | 7750.00 | 286750.00 |
| 12 | 2026-06 | 8251.81 | 501.81 | 7750.00 | 279000.00 |
| 13 | 2026-07 | 8238.25 | 488.25 | 7750.00 | 271250.00 |
| 14 | 2026-08 | 8224.69 | 474.69 | 7750.00 | 263500.00 |
| 15 | 2026-09 | 8211.13 | 461.13 | 7750.00 | 255750.00 |
| 16 | 2026-10 | 8197.56 | 447.56 | 7750.00 | 248000.00 |
| 17 | 2026-11 | 8184.00 | 434.00 | 7750.00 | 240250.00 |
| 18 | 2026-12 | 8170.44 | 420.44 | 7750.00 | 232500.00 |
| 19 | 2027-01 | 8156.88 | 406.88 | 7750.00 | 224750.00 |
| 20 | 2027-02 | 8143.31 | 393.31 | 7750.00 | 217000.00 |
| 21 | 2027-03 | 8129.75 | 379.75 | 7750.00 | 209250.00 |
| 22 | 2027-04 | 8116.19 | 366.19 | 7750.00 | 201500.00 |
| 23 | 2027-05 | 8102.63 | 352.63 | 7750.00 | 193750.00 |
| 24 | 2027-06 | 8089.06 | 339.06 | 7750.00 | 186000.00 |
| 25 | 2027-07 | 8075.50 | 325.50 | 7750.00 | 178250.00 |
| 26 | 2027-08 | 8061.94 | 311.94 | 7750.00 | 170500.00 |
| 27 | 2027-09 | 8048.38 | 298.38 | 7750.00 | 162750.00 |
| 28 | 2027-10 | 8034.81 | 284.81 | 7750.00 | 155000.00 |
| 29 | 2027-11 | 8021.25 | 271.25 | 7750.00 | 147250.00 |
| 30 | 2027-12 | 8007.69 | 257.69 | 7750.00 | 139500.00 |
| 31 | 2028-01 | 7994.13 | 244.13 | 7750.00 | 131750.00 |
| 32 | 2028-02 | 7980.56 | 230.56 | 7750.00 | 124000.00 |
| 33 | 2028-03 | 7967.00 | 217.00 | 7750.00 | 116250.00 |
| 34 | 2028-04 | 7953.44 | 203.44 | 7750.00 | 108500.00 |
| 35 | 2028-05 | 7939.88 | 189.88 | 7750.00 | 100750.00 |
| 36 | 2028-06 | 7926.31 | 176.31 | 7750.00 | 93000.00 |
| 37 | 2028-07 | 7912.75 | 162.75 | 7750.00 | 85250.00 |
| 38 | 2028-08 | 7899.19 | 149.19 | 7750.00 | 77500.00 |
| 39 | 2028-09 | 7885.63 | 135.63 | 7750.00 | 69750.00 |
| 40 | 2028-10 | 7872.06 | 122.06 | 7750.00 | 62000.00 |
| 41 | 2028-11 | 7858.50 | 108.50 | 7750.00 | 54250.00 |
| 42 | 2028-12 | 7844.94 | 94.94 | 7750.00 | 46500.00 |
| 43 | 2029-01 | 7831.38 | 81.38 | 7750.00 | 38750.00 |
| 44 | 2029-02 | 7817.81 | 67.81 | 7750.00 | 31000.00 |
| 45 | 2029-03 | 7804.25 | 54.25 | 7750.00 | 23250.00 |
| 46 | 2029-04 | 7790.69 | 40.69 | 7750.00 | 15500.00 |
| 47 | 2029-05 | 7777.13 | 27.13 | 7750.00 | 7750.00 |
| 48 | 2029-06 | 7763.56 | 13.56 | 7750.00 | 0.00 |