郑州贷款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：2608.66元
利息总额：5215.46元
本息合计：12.52万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2608.66 | 210.00 | 2398.66 | 117601.34 |
| 2 | 2025-07 | 2608.66 | 205.80 | 2402.85 | 115198.49 |
| 3 | 2025-08 | 2608.66 | 201.60 | 2407.06 | 112791.43 |
| 4 | 2025-09 | 2608.66 | 197.39 | 2411.27 | 110380.16 |
| 5 | 2025-10 | 2608.66 | 193.17 | 2415.49 | 107964.67 |
| 6 | 2025-11 | 2608.66 | 188.94 | 2419.72 | 105544.96 |
| 7 | 2025-12 | 2608.66 | 184.70 | 2423.95 | 103121.00 |
| 8 | 2026-01 | 2608.66 | 180.46 | 2428.19 | 100692.81 |
| 9 | 2026-02 | 2608.66 | 176.21 | 2432.44 | 98260.37 |
| 10 | 2026-03 | 2608.66 | 171.96 | 2436.70 | 95823.67 |
| 11 | 2026-04 | 2608.66 | 167.69 | 2440.96 | 93382.70 |
| 12 | 2026-05 | 2608.66 | 163.42 | 2445.24 | 90937.47 |
| 13 | 2026-06 | 2608.66 | 159.14 | 2449.51 | 88487.95 |
| 14 | 2026-07 | 2608.66 | 154.85 | 2453.80 | 86034.15 |
| 15 | 2026-08 | 2608.66 | 150.56 | 2458.10 | 83576.06 |
| 16 | 2026-09 | 2608.66 | 146.26 | 2462.40 | 81113.66 |
| 17 | 2026-10 | 2608.66 | 141.95 | 2466.71 | 78646.95 |
| 18 | 2026-11 | 2608.66 | 137.63 | 2471.02 | 76175.93 |
| 19 | 2026-12 | 2608.66 | 133.31 | 2475.35 | 73700.58 |
| 20 | 2027-01 | 2608.66 | 128.98 | 2479.68 | 71220.90 |
| 21 | 2027-02 | 2608.66 | 124.64 | 2484.02 | 68736.88 |
| 22 | 2027-03 | 2608.66 | 120.29 | 2488.37 | 66248.52 |
| 23 | 2027-04 | 2608.66 | 115.93 | 2492.72 | 63755.80 |
| 24 | 2027-05 | 2608.66 | 111.57 | 2497.08 | 61258.71 |
| 25 | 2027-06 | 2608.66 | 107.20 | 2501.45 | 58757.26 |
| 26 | 2027-07 | 2608.66 | 102.83 | 2505.83 | 56251.43 |
| 27 | 2027-08 | 2608.66 | 98.44 | 2510.22 | 53741.22 |
| 28 | 2027-09 | 2608.66 | 94.05 | 2514.61 | 51226.61 |
| 29 | 2027-10 | 2608.66 | 89.65 | 2519.01 | 48707.60 |
| 30 | 2027-11 | 2608.66 | 85.24 | 2523.42 | 46184.18 |
| 31 | 2027-12 | 2608.66 | 80.82 | 2527.83 | 43656.35 |
| 32 | 2028-01 | 2608.66 | 76.40 | 2532.26 | 41124.09 |
| 33 | 2028-02 | 2608.66 | 71.97 | 2536.69 | 38587.40 |
| 34 | 2028-03 | 2608.66 | 67.53 | 2541.13 | 36046.28 |
| 35 | 2028-04 | 2608.66 | 63.08 | 2545.57 | 33500.70 |
| 36 | 2028-05 | 2608.66 | 58.63 | 2550.03 | 30950.67 |
| 37 | 2028-06 | 2608.66 | 54.16 | 2554.49 | 28396.18 |
| 38 | 2028-07 | 2608.66 | 49.69 | 2558.96 | 25837.22 |
| 39 | 2028-08 | 2608.66 | 45.22 | 2563.44 | 23273.78 |
| 40 | 2028-09 | 2608.66 | 40.73 | 2567.93 | 20705.85 |
| 41 | 2028-10 | 2608.66 | 36.24 | 2572.42 | 18133.43 |
| 42 | 2028-11 | 2608.66 | 31.73 | 2576.92 | 15556.51 |
| 43 | 2028-12 | 2608.66 | 27.22 | 2581.43 | 12975.08 |
| 44 | 2029-01 | 2608.66 | 22.71 | 2585.95 | 10389.13 |
| 45 | 2029-02 | 2608.66 | 18.18 | 2590.47 | 7798.66 |
| 46 | 2029-03 | 2608.66 | 13.65 | 2595.01 | 5203.65 |
| 47 | 2029-04 | 2608.66 | 9.11 | 2599.55 | 2604.10 |
| 48 | 2029-05 | 2608.66 | 4.56 | 2604.10 | 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：2710元
每月递减：4.38元
利息总额：5145元
本息合计：12.51万
节省利息：70.46元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2710.00 | 210.00 | 2500.00 | 117500.00 |
| 2 | 2025-07 | 2705.63 | 205.63 | 2500.00 | 115000.00 |
| 3 | 2025-08 | 2701.25 | 201.25 | 2500.00 | 112500.00 |
| 4 | 2025-09 | 2696.88 | 196.88 | 2500.00 | 110000.00 |
| 5 | 2025-10 | 2692.50 | 192.50 | 2500.00 | 107500.00 |
| 6 | 2025-11 | 2688.13 | 188.13 | 2500.00 | 105000.00 |
| 7 | 2025-12 | 2683.75 | 183.75 | 2500.00 | 102500.00 |
| 8 | 2026-01 | 2679.38 | 179.38 | 2500.00 | 100000.00 |
| 9 | 2026-02 | 2675.00 | 175.00 | 2500.00 | 97500.00 |
| 10 | 2026-03 | 2670.63 | 170.63 | 2500.00 | 95000.00 |
| 11 | 2026-04 | 2666.25 | 166.25 | 2500.00 | 92500.00 |
| 12 | 2026-05 | 2661.88 | 161.88 | 2500.00 | 90000.00 |
| 13 | 2026-06 | 2657.50 | 157.50 | 2500.00 | 87500.00 |
| 14 | 2026-07 | 2653.13 | 153.13 | 2500.00 | 85000.00 |
| 15 | 2026-08 | 2648.75 | 148.75 | 2500.00 | 82500.00 |
| 16 | 2026-09 | 2644.38 | 144.38 | 2500.00 | 80000.00 |
| 17 | 2026-10 | 2640.00 | 140.00 | 2500.00 | 77500.00 |
| 18 | 2026-11 | 2635.63 | 135.63 | 2500.00 | 75000.00 |
| 19 | 2026-12 | 2631.25 | 131.25 | 2500.00 | 72500.00 |
| 20 | 2027-01 | 2626.88 | 126.88 | 2500.00 | 70000.00 |
| 21 | 2027-02 | 2622.50 | 122.50 | 2500.00 | 67500.00 |
| 22 | 2027-03 | 2618.13 | 118.13 | 2500.00 | 65000.00 |
| 23 | 2027-04 | 2613.75 | 113.75 | 2500.00 | 62500.00 |
| 24 | 2027-05 | 2609.38 | 109.38 | 2500.00 | 60000.00 |
| 25 | 2027-06 | 2605.00 | 105.00 | 2500.00 | 57500.00 |
| 26 | 2027-07 | 2600.63 | 100.63 | 2500.00 | 55000.00 |
| 27 | 2027-08 | 2596.25 | 96.25 | 2500.00 | 52500.00 |
| 28 | 2027-09 | 2591.88 | 91.88 | 2500.00 | 50000.00 |
| 29 | 2027-10 | 2587.50 | 87.50 | 2500.00 | 47500.00 |
| 30 | 2027-11 | 2583.13 | 83.13 | 2500.00 | 45000.00 |
| 31 | 2027-12 | 2578.75 | 78.75 | 2500.00 | 42500.00 |
| 32 | 2028-01 | 2574.38 | 74.38 | 2500.00 | 40000.00 |
| 33 | 2028-02 | 2570.00 | 70.00 | 2500.00 | 37500.00 |
| 34 | 2028-03 | 2565.63 | 65.63 | 2500.00 | 35000.00 |
| 35 | 2028-04 | 2561.25 | 61.25 | 2500.00 | 32500.00 |
| 36 | 2028-05 | 2556.88 | 56.88 | 2500.00 | 30000.00 |
| 37 | 2028-06 | 2552.50 | 52.50 | 2500.00 | 27500.00 |
| 38 | 2028-07 | 2548.13 | 48.13 | 2500.00 | 25000.00 |
| 39 | 2028-08 | 2543.75 | 43.75 | 2500.00 | 22500.00 |
| 40 | 2028-09 | 2539.38 | 39.38 | 2500.00 | 20000.00 |
| 41 | 2028-10 | 2535.00 | 35.00 | 2500.00 | 17500.00 |
| 42 | 2028-11 | 2530.63 | 30.63 | 2500.00 | 15000.00 |
| 43 | 2028-12 | 2526.25 | 26.25 | 2500.00 | 12500.00 |
| 44 | 2029-01 | 2521.88 | 21.88 | 2500.00 | 10000.00 |
| 45 | 2029-02 | 2517.50 | 17.50 | 2500.00 | 7500.00 |
| 46 | 2029-03 | 2513.13 | 13.13 | 2500.00 | 5000.00 |
| 47 | 2029-04 | 2508.75 | 8.75 | 2500.00 | 2500.00 |
| 48 | 2029-05 | 2504.38 | 4.38 | 2500.00 | 0.00 |