深圳贷款100万（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：100万
还款月数：4年
每月还款：22244.99元
利息总额：6.78万
本息合计：106.78万
| 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 | 22244.99 | 2708.33 | 19536.66 | 980463.34 |
| 2 | 2025-06 | 22244.99 | 2655.42 | 19589.57 | 960873.77 |
| 3 | 2025-07 | 22244.99 | 2602.37 | 19642.63 | 941231.15 |
| 4 | 2025-08 | 22244.99 | 2549.17 | 19695.82 | 921535.32 |
| 5 | 2025-09 | 22244.99 | 2495.82 | 19749.17 | 901786.16 |
| 6 | 2025-10 | 22244.99 | 2442.34 | 19802.65 | 881983.50 |
| 7 | 2025-11 | 22244.99 | 2388.71 | 19856.29 | 862127.22 |
| 8 | 2025-12 | 22244.99 | 2334.93 | 19910.06 | 842217.15 |
| 9 | 2026-01 | 22244.99 | 2281.00 | 19963.99 | 822253.17 |
| 10 | 2026-02 | 22244.99 | 2226.94 | 20018.06 | 802235.11 |
| 11 | 2026-03 | 22244.99 | 2172.72 | 20072.27 | 782162.84 |
| 12 | 2026-04 | 22244.99 | 2118.36 | 20126.63 | 762036.21 |
| 13 | 2026-05 | 22244.99 | 2063.85 | 20181.14 | 741855.06 |
| 14 | 2026-06 | 22244.99 | 2009.19 | 20235.80 | 721619.26 |
| 15 | 2026-07 | 22244.99 | 1954.39 | 20290.61 | 701328.65 |
| 16 | 2026-08 | 22244.99 | 1899.43 | 20345.56 | 680983.10 |
| 17 | 2026-09 | 22244.99 | 1844.33 | 20400.66 | 660582.43 |
| 18 | 2026-10 | 22244.99 | 1789.08 | 20455.91 | 640126.52 |
| 19 | 2026-11 | 22244.99 | 1733.68 | 20511.32 | 619615.20 |
| 20 | 2026-12 | 22244.99 | 1678.12 | 20566.87 | 599048.34 |
| 21 | 2027-01 | 22244.99 | 1622.42 | 20622.57 | 578425.77 |
| 22 | 2027-02 | 22244.99 | 1566.57 | 20678.42 | 557747.35 |
| 23 | 2027-03 | 22244.99 | 1510.57 | 20734.43 | 537012.92 |
| 24 | 2027-04 | 22244.99 | 1454.41 | 20790.58 | 516222.34 |
| 25 | 2027-05 | 22244.99 | 1398.10 | 20846.89 | 495375.45 |
| 26 | 2027-06 | 22244.99 | 1341.64 | 20903.35 | 474472.10 |
| 27 | 2027-07 | 22244.99 | 1285.03 | 20959.96 | 453512.14 |
| 28 | 2027-08 | 22244.99 | 1228.26 | 21016.73 | 432495.41 |
| 29 | 2027-09 | 22244.99 | 1171.34 | 21073.65 | 411421.76 |
| 30 | 2027-10 | 22244.99 | 1114.27 | 21130.72 | 390291.03 |
| 31 | 2027-11 | 22244.99 | 1057.04 | 21187.95 | 369103.08 |
| 32 | 2027-12 | 22244.99 | 999.65 | 21245.34 | 347857.74 |
| 33 | 2028-01 | 22244.99 | 942.11 | 21302.88 | 326554.87 |
| 34 | 2028-02 | 22244.99 | 884.42 | 21360.57 | 305194.29 |
| 35 | 2028-03 | 22244.99 | 826.57 | 21418.42 | 283775.87 |
| 36 | 2028-04 | 22244.99 | 768.56 | 21476.43 | 262299.44 |
| 37 | 2028-05 | 22244.99 | 710.39 | 21534.60 | 240764.84 |
| 38 | 2028-06 | 22244.99 | 652.07 | 21592.92 | 219171.92 |
| 39 | 2028-07 | 22244.99 | 593.59 | 21651.40 | 197520.52 |
| 40 | 2028-08 | 22244.99 | 534.95 | 21710.04 | 175810.48 |
| 41 | 2028-09 | 22244.99 | 476.15 | 21768.84 | 154041.64 |
| 42 | 2028-10 | 22244.99 | 417.20 | 21827.80 | 132213.85 |
| 43 | 2028-11 | 22244.99 | 358.08 | 21886.91 | 110326.93 |
| 44 | 2028-12 | 22244.99 | 298.80 | 21946.19 | 88380.75 |
| 45 | 2029-01 | 22244.99 | 239.36 | 22005.63 | 66375.12 |
| 46 | 2029-02 | 22244.99 | 179.77 | 22065.23 | 44309.89 |
| 47 | 2029-03 | 22244.99 | 120.01 | 22124.99 | 22184.91 |
| 48 | 2029-04 | 22244.99 | 60.08 | 22184.91 | 0.00 |
等额本金还款方式：
贷款总额：100万
还款月数：4年
首月还款：23541.67元
每月递减：56.42元
利息总额：6.64万
本息合计：106.64万
节省利息：1405.42元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 23541.67 | 2708.33 | 20833.33 | 979166.67 |
| 2 | 2025-06 | 23485.24 | 2651.91 | 20833.33 | 958333.33 |
| 3 | 2025-07 | 23428.82 | 2595.49 | 20833.33 | 937500.00 |
| 4 | 2025-08 | 23372.40 | 2539.06 | 20833.33 | 916666.67 |
| 5 | 2025-09 | 23315.97 | 2482.64 | 20833.33 | 895833.33 |
| 6 | 2025-10 | 23259.55 | 2426.22 | 20833.33 | 875000.00 |
| 7 | 2025-11 | 23203.13 | 2369.79 | 20833.33 | 854166.67 |
| 8 | 2025-12 | 23146.70 | 2313.37 | 20833.33 | 833333.33 |
| 9 | 2026-01 | 23090.28 | 2256.94 | 20833.33 | 812500.00 |
| 10 | 2026-02 | 23033.85 | 2200.52 | 20833.33 | 791666.67 |
| 11 | 2026-03 | 22977.43 | 2144.10 | 20833.33 | 770833.33 |
| 12 | 2026-04 | 22921.01 | 2087.67 | 20833.33 | 750000.00 |
| 13 | 2026-05 | 22864.58 | 2031.25 | 20833.33 | 729166.67 |
| 14 | 2026-06 | 22808.16 | 1974.83 | 20833.33 | 708333.33 |
| 15 | 2026-07 | 22751.74 | 1918.40 | 20833.33 | 687500.00 |
| 16 | 2026-08 | 22695.31 | 1861.98 | 20833.33 | 666666.67 |
| 17 | 2026-09 | 22638.89 | 1805.56 | 20833.33 | 645833.33 |
| 18 | 2026-10 | 22582.47 | 1749.13 | 20833.33 | 625000.00 |
| 19 | 2026-11 | 22526.04 | 1692.71 | 20833.33 | 604166.67 |
| 20 | 2026-12 | 22469.62 | 1636.28 | 20833.33 | 583333.33 |
| 21 | 2027-01 | 22413.19 | 1579.86 | 20833.33 | 562500.00 |
| 22 | 2027-02 | 22356.77 | 1523.44 | 20833.33 | 541666.67 |
| 23 | 2027-03 | 22300.35 | 1467.01 | 20833.33 | 520833.33 |
| 24 | 2027-04 | 22243.92 | 1410.59 | 20833.33 | 500000.00 |
| 25 | 2027-05 | 22187.50 | 1354.17 | 20833.33 | 479166.67 |
| 26 | 2027-06 | 22131.08 | 1297.74 | 20833.33 | 458333.33 |
| 27 | 2027-07 | 22074.65 | 1241.32 | 20833.33 | 437500.00 |
| 28 | 2027-08 | 22018.23 | 1184.90 | 20833.33 | 416666.67 |
| 29 | 2027-09 | 21961.81 | 1128.47 | 20833.33 | 395833.33 |
| 30 | 2027-10 | 21905.38 | 1072.05 | 20833.33 | 375000.00 |
| 31 | 2027-11 | 21848.96 | 1015.63 | 20833.33 | 354166.67 |
| 32 | 2027-12 | 21792.53 | 959.20 | 20833.33 | 333333.33 |
| 33 | 2028-01 | 21736.11 | 902.78 | 20833.33 | 312500.00 |
| 34 | 2028-02 | 21679.69 | 846.35 | 20833.33 | 291666.67 |
| 35 | 2028-03 | 21623.26 | 789.93 | 20833.33 | 270833.33 |
| 36 | 2028-04 | 21566.84 | 733.51 | 20833.33 | 250000.00 |
| 37 | 2028-05 | 21510.42 | 677.08 | 20833.33 | 229166.67 |
| 38 | 2028-06 | 21453.99 | 620.66 | 20833.33 | 208333.33 |
| 39 | 2028-07 | 21397.57 | 564.24 | 20833.33 | 187500.00 |
| 40 | 2028-08 | 21341.15 | 507.81 | 20833.33 | 166666.67 |
| 41 | 2028-09 | 21284.72 | 451.39 | 20833.33 | 145833.33 |
| 42 | 2028-10 | 21228.30 | 394.97 | 20833.33 | 125000.00 |
| 43 | 2028-11 | 21171.88 | 338.54 | 20833.33 | 104166.67 |
| 44 | 2028-12 | 21115.45 | 282.12 | 20833.33 | 83333.33 |
| 45 | 2029-01 | 21059.03 | 225.69 | 20833.33 | 62500.00 |
| 46 | 2029-02 | 21002.60 | 169.27 | 20833.33 | 41666.67 |
| 47 | 2029-03 | 20946.18 | 112.85 | 20833.33 | 20833.33 |
| 48 | 2029-04 | 20889.76 | 56.42 | 20833.33 | 0.00 |