贷款22.4万（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：22.4万
还款月数：4年
每月还款：4918.59元
利息总额：1.21万
本息合计：23.61万
| 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 | 4918.59 | 485.33 | 4433.25 | 219566.75 |
| 2 | 2025-06 | 4918.59 | 475.73 | 4442.86 | 215123.89 |
| 3 | 2025-07 | 4918.59 | 466.10 | 4452.49 | 210671.40 |
| 4 | 2025-08 | 4918.59 | 456.45 | 4462.13 | 206209.27 |
| 5 | 2025-09 | 4918.59 | 446.79 | 4471.80 | 201737.46 |
| 6 | 2025-10 | 4918.59 | 437.10 | 4481.49 | 197255.97 |
| 7 | 2025-11 | 4918.59 | 427.39 | 4491.20 | 192764.77 |
| 8 | 2025-12 | 4918.59 | 417.66 | 4500.93 | 188263.84 |
| 9 | 2026-01 | 4918.59 | 407.90 | 4510.68 | 183753.16 |
| 10 | 2026-02 | 4918.59 | 398.13 | 4520.46 | 179232.70 |
| 11 | 2026-03 | 4918.59 | 388.34 | 4530.25 | 174702.45 |
| 12 | 2026-04 | 4918.59 | 378.52 | 4540.07 | 170162.39 |
| 13 | 2026-05 | 4918.59 | 368.69 | 4549.90 | 165612.49 |
| 14 | 2026-06 | 4918.59 | 358.83 | 4559.76 | 161052.72 |
| 15 | 2026-07 | 4918.59 | 348.95 | 4569.64 | 156483.08 |
| 16 | 2026-08 | 4918.59 | 339.05 | 4579.54 | 151903.54 |
| 17 | 2026-09 | 4918.59 | 329.12 | 4589.46 | 147314.08 |
| 18 | 2026-10 | 4918.59 | 319.18 | 4599.41 | 142714.67 |
| 19 | 2026-11 | 4918.59 | 309.22 | 4609.37 | 138105.30 |
| 20 | 2026-12 | 4918.59 | 299.23 | 4619.36 | 133485.94 |
| 21 | 2027-01 | 4918.59 | 289.22 | 4629.37 | 128856.57 |
| 22 | 2027-02 | 4918.59 | 279.19 | 4639.40 | 124217.17 |
| 23 | 2027-03 | 4918.59 | 269.14 | 4649.45 | 119567.72 |
| 24 | 2027-04 | 4918.59 | 259.06 | 4659.52 | 114908.20 |
| 25 | 2027-05 | 4918.59 | 248.97 | 4669.62 | 110238.58 |
| 26 | 2027-06 | 4918.59 | 238.85 | 4679.74 | 105558.84 |
| 27 | 2027-07 | 4918.59 | 228.71 | 4689.88 | 100868.96 |
| 28 | 2027-08 | 4918.59 | 218.55 | 4700.04 | 96168.92 |
| 29 | 2027-09 | 4918.59 | 208.37 | 4710.22 | 91458.70 |
| 30 | 2027-10 | 4918.59 | 198.16 | 4720.43 | 86738.27 |
| 31 | 2027-11 | 4918.59 | 187.93 | 4730.66 | 82007.62 |
| 32 | 2027-12 | 4918.59 | 177.68 | 4740.90 | 77266.71 |
| 33 | 2028-01 | 4918.59 | 167.41 | 4751.18 | 72515.54 |
| 34 | 2028-02 | 4918.59 | 157.12 | 4761.47 | 67754.07 |
| 35 | 2028-03 | 4918.59 | 146.80 | 4771.79 | 62982.28 |
| 36 | 2028-04 | 4918.59 | 136.46 | 4782.13 | 58200.15 |
| 37 | 2028-05 | 4918.59 | 126.10 | 4792.49 | 53407.66 |
| 38 | 2028-06 | 4918.59 | 115.72 | 4802.87 | 48604.79 |
| 39 | 2028-07 | 4918.59 | 105.31 | 4813.28 | 43791.51 |
| 40 | 2028-08 | 4918.59 | 94.88 | 4823.71 | 38967.81 |
| 41 | 2028-09 | 4918.59 | 84.43 | 4834.16 | 34133.65 |
| 42 | 2028-10 | 4918.59 | 73.96 | 4844.63 | 29289.02 |
| 43 | 2028-11 | 4918.59 | 63.46 | 4855.13 | 24433.89 |
| 44 | 2028-12 | 4918.59 | 52.94 | 4865.65 | 19568.24 |
| 45 | 2029-01 | 4918.59 | 42.40 | 4876.19 | 14692.05 |
| 46 | 2029-02 | 4918.59 | 31.83 | 4886.76 | 9805.30 |
| 47 | 2029-03 | 4918.59 | 21.24 | 4897.34 | 4907.95 |
| 48 | 2029-04 | 4918.59 | 10.63 | 4907.95 | 0.00 |
等额本金还款方式：
贷款总额：22.4万
还款月数：4年
首月还款：5152元
每月递减：10.11元
利息总额：1.19万
本息合计：23.59万
节省利息：201.56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 | 5152.00 | 485.33 | 4666.67 | 219333.33 |
| 2 | 2025-06 | 5141.89 | 475.22 | 4666.67 | 214666.67 |
| 3 | 2025-07 | 5131.78 | 465.11 | 4666.67 | 210000.00 |
| 4 | 2025-08 | 5121.67 | 455.00 | 4666.67 | 205333.33 |
| 5 | 2025-09 | 5111.56 | 444.89 | 4666.67 | 200666.67 |
| 6 | 2025-10 | 5101.44 | 434.78 | 4666.67 | 196000.00 |
| 7 | 2025-11 | 5091.33 | 424.67 | 4666.67 | 191333.33 |
| 8 | 2025-12 | 5081.22 | 414.56 | 4666.67 | 186666.67 |
| 9 | 2026-01 | 5071.11 | 404.44 | 4666.67 | 182000.00 |
| 10 | 2026-02 | 5061.00 | 394.33 | 4666.67 | 177333.33 |
| 11 | 2026-03 | 5050.89 | 384.22 | 4666.67 | 172666.67 |
| 12 | 2026-04 | 5040.78 | 374.11 | 4666.67 | 168000.00 |
| 13 | 2026-05 | 5030.67 | 364.00 | 4666.67 | 163333.33 |
| 14 | 2026-06 | 5020.56 | 353.89 | 4666.67 | 158666.67 |
| 15 | 2026-07 | 5010.44 | 343.78 | 4666.67 | 154000.00 |
| 16 | 2026-08 | 5000.33 | 333.67 | 4666.67 | 149333.33 |
| 17 | 2026-09 | 4990.22 | 323.56 | 4666.67 | 144666.67 |
| 18 | 2026-10 | 4980.11 | 313.44 | 4666.67 | 140000.00 |
| 19 | 2026-11 | 4970.00 | 303.33 | 4666.67 | 135333.33 |
| 20 | 2026-12 | 4959.89 | 293.22 | 4666.67 | 130666.67 |
| 21 | 2027-01 | 4949.78 | 283.11 | 4666.67 | 126000.00 |
| 22 | 2027-02 | 4939.67 | 273.00 | 4666.67 | 121333.33 |
| 23 | 2027-03 | 4929.56 | 262.89 | 4666.67 | 116666.67 |
| 24 | 2027-04 | 4919.44 | 252.78 | 4666.67 | 112000.00 |
| 25 | 2027-05 | 4909.33 | 242.67 | 4666.67 | 107333.33 |
| 26 | 2027-06 | 4899.22 | 232.56 | 4666.67 | 102666.67 |
| 27 | 2027-07 | 4889.11 | 222.44 | 4666.67 | 98000.00 |
| 28 | 2027-08 | 4879.00 | 212.33 | 4666.67 | 93333.33 |
| 29 | 2027-09 | 4868.89 | 202.22 | 4666.67 | 88666.67 |
| 30 | 2027-10 | 4858.78 | 192.11 | 4666.67 | 84000.00 |
| 31 | 2027-11 | 4848.67 | 182.00 | 4666.67 | 79333.33 |
| 32 | 2027-12 | 4838.56 | 171.89 | 4666.67 | 74666.67 |
| 33 | 2028-01 | 4828.44 | 161.78 | 4666.67 | 70000.00 |
| 34 | 2028-02 | 4818.33 | 151.67 | 4666.67 | 65333.33 |
| 35 | 2028-03 | 4808.22 | 141.56 | 4666.67 | 60666.67 |
| 36 | 2028-04 | 4798.11 | 131.44 | 4666.67 | 56000.00 |
| 37 | 2028-05 | 4788.00 | 121.33 | 4666.67 | 51333.33 |
| 38 | 2028-06 | 4777.89 | 111.22 | 4666.67 | 46666.67 |
| 39 | 2028-07 | 4767.78 | 101.11 | 4666.67 | 42000.00 |
| 40 | 2028-08 | 4757.67 | 91.00 | 4666.67 | 37333.33 |
| 41 | 2028-09 | 4747.56 | 80.89 | 4666.67 | 32666.67 |
| 42 | 2028-10 | 4737.44 | 70.78 | 4666.67 | 28000.00 |
| 43 | 2028-11 | 4727.33 | 60.67 | 4666.67 | 23333.33 |
| 44 | 2028-12 | 4717.22 | 50.56 | 4666.67 | 18666.67 |
| 45 | 2029-01 | 4707.11 | 40.44 | 4666.67 | 14000.00 |
| 46 | 2029-02 | 4697.00 | 30.33 | 4666.67 | 9333.33 |
| 47 | 2029-03 | 4686.89 | 20.22 | 4666.67 | 4666.67 |
| 48 | 2029-04 | 4676.78 | 10.11 | 4666.67 | 0.00 |