贷款13.57万（公积金贷款）房贷，还款4年2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：13.57万
还款月数：4年2个月
每月还款：2881.17元
利息总额：8376.4元
本息合计：14.41万
| 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 | 2881.17 | 322.24 | 2558.92 | 133123.08 |
| 2 | 2025-07 | 2881.17 | 316.17 | 2565.00 | 130558.08 |
| 3 | 2025-08 | 2881.17 | 310.08 | 2571.09 | 127986.98 |
| 4 | 2025-09 | 2881.17 | 303.97 | 2577.20 | 125409.78 |
| 5 | 2025-10 | 2881.17 | 297.85 | 2583.32 | 122826.47 |
| 6 | 2025-11 | 2881.17 | 291.71 | 2589.46 | 120237.01 |
| 7 | 2025-12 | 2881.17 | 285.56 | 2595.61 | 117641.41 |
| 8 | 2026-01 | 2881.17 | 279.40 | 2601.77 | 115039.64 |
| 9 | 2026-02 | 2881.17 | 273.22 | 2607.95 | 112431.69 |
| 10 | 2026-03 | 2881.17 | 267.03 | 2614.14 | 109817.54 |
| 11 | 2026-04 | 2881.17 | 260.82 | 2620.35 | 107197.19 |
| 12 | 2026-05 | 2881.17 | 254.59 | 2626.57 | 104570.62 |
| 13 | 2026-06 | 2881.17 | 248.36 | 2632.81 | 101937.81 |
| 14 | 2026-07 | 2881.17 | 242.10 | 2639.07 | 99298.74 |
| 15 | 2026-08 | 2881.17 | 235.83 | 2645.33 | 96653.41 |
| 16 | 2026-09 | 2881.17 | 229.55 | 2651.62 | 94001.79 |
| 17 | 2026-10 | 2881.17 | 223.25 | 2657.91 | 91343.88 |
| 18 | 2026-11 | 2881.17 | 216.94 | 2664.23 | 88679.65 |
| 19 | 2026-12 | 2881.17 | 210.61 | 2670.55 | 86009.10 |
| 20 | 2027-01 | 2881.17 | 204.27 | 2676.90 | 83332.20 |
| 21 | 2027-02 | 2881.17 | 197.91 | 2683.25 | 80648.95 |
| 22 | 2027-03 | 2881.17 | 191.54 | 2689.63 | 77959.32 |
| 23 | 2027-04 | 2881.17 | 185.15 | 2696.01 | 75263.31 |
| 24 | 2027-05 | 2881.17 | 178.75 | 2702.42 | 72560.89 |
| 25 | 2027-06 | 2881.17 | 172.33 | 2708.84 | 69852.05 |
| 26 | 2027-07 | 2881.17 | 165.90 | 2715.27 | 67136.78 |
| 27 | 2027-08 | 2881.17 | 159.45 | 2721.72 | 64415.07 |
| 28 | 2027-09 | 2881.17 | 152.99 | 2728.18 | 61686.88 |
| 29 | 2027-10 | 2881.17 | 146.51 | 2734.66 | 58952.22 |
| 30 | 2027-11 | 2881.17 | 140.01 | 2741.16 | 56211.07 |
| 31 | 2027-12 | 2881.17 | 133.50 | 2747.67 | 53463.40 |
| 32 | 2028-01 | 2881.17 | 126.98 | 2754.19 | 50709.21 |
| 33 | 2028-02 | 2881.17 | 120.43 | 2760.73 | 47948.47 |
| 34 | 2028-03 | 2881.17 | 113.88 | 2767.29 | 45181.18 |
| 35 | 2028-04 | 2881.17 | 107.31 | 2773.86 | 42407.32 |
| 36 | 2028-05 | 2881.17 | 100.72 | 2780.45 | 39626.87 |
| 37 | 2028-06 | 2881.17 | 94.11 | 2787.05 | 36839.82 |
| 38 | 2028-07 | 2881.17 | 87.49 | 2793.67 | 34046.14 |
| 39 | 2028-08 | 2881.17 | 80.86 | 2800.31 | 31245.83 |
| 40 | 2028-09 | 2881.17 | 74.21 | 2806.96 | 28438.87 |
| 41 | 2028-10 | 2881.17 | 67.54 | 2813.63 | 25625.25 |
| 42 | 2028-11 | 2881.17 | 60.86 | 2820.31 | 22804.94 |
| 43 | 2028-12 | 2881.17 | 54.16 | 2827.01 | 19977.93 |
| 44 | 2029-01 | 2881.17 | 47.45 | 2833.72 | 17144.21 |
| 45 | 2029-02 | 2881.17 | 40.72 | 2840.45 | 14303.76 |
| 46 | 2029-03 | 2881.17 | 33.97 | 2847.20 | 11456.57 |
| 47 | 2029-04 | 2881.17 | 27.21 | 2853.96 | 8602.61 |
| 48 | 2029-05 | 2881.17 | 20.43 | 2860.74 | 5741.87 |
| 49 | 2029-06 | 2881.17 | 13.64 | 2867.53 | 2874.34 |
| 50 | 2029-07 | 2881.17 | 6.83 | 2874.34 | 0.00 |
等额本金还款方式：
贷款总额：13.57万
还款月数：4年2个月
首月还款：3035.88元
每月递减：6.44元
利息总额：8217.24元
本息合计：14.39万
节省利息：159.15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 | 3035.88 | 322.24 | 2713.64 | 132968.36 |
| 2 | 2025-07 | 3029.44 | 315.80 | 2713.64 | 130254.72 |
| 3 | 2025-08 | 3022.99 | 309.35 | 2713.64 | 127541.08 |
| 4 | 2025-09 | 3016.55 | 302.91 | 2713.64 | 124827.44 |
| 5 | 2025-10 | 3010.11 | 296.47 | 2713.64 | 122113.80 |
| 6 | 2025-11 | 3003.66 | 290.02 | 2713.64 | 119400.16 |
| 7 | 2025-12 | 2997.22 | 283.58 | 2713.64 | 116686.52 |
| 8 | 2026-01 | 2990.77 | 277.13 | 2713.64 | 113972.88 |
| 9 | 2026-02 | 2984.33 | 270.69 | 2713.64 | 111259.24 |
| 10 | 2026-03 | 2977.88 | 264.24 | 2713.64 | 108545.60 |
| 11 | 2026-04 | 2971.44 | 257.80 | 2713.64 | 105831.96 |
| 12 | 2026-05 | 2964.99 | 251.35 | 2713.64 | 103118.32 |
| 13 | 2026-06 | 2958.55 | 244.91 | 2713.64 | 100404.68 |
| 14 | 2026-07 | 2952.10 | 238.46 | 2713.64 | 97691.04 |
| 15 | 2026-08 | 2945.66 | 232.02 | 2713.64 | 94977.40 |
| 16 | 2026-09 | 2939.21 | 225.57 | 2713.64 | 92263.76 |
| 17 | 2026-10 | 2932.77 | 219.13 | 2713.64 | 89550.12 |
| 18 | 2026-11 | 2926.32 | 212.68 | 2713.64 | 86836.48 |
| 19 | 2026-12 | 2919.88 | 206.24 | 2713.64 | 84122.84 |
| 20 | 2027-01 | 2913.43 | 199.79 | 2713.64 | 81409.20 |
| 21 | 2027-02 | 2906.99 | 193.35 | 2713.64 | 78695.56 |
| 22 | 2027-03 | 2900.54 | 186.90 | 2713.64 | 75981.92 |
| 23 | 2027-04 | 2894.10 | 180.46 | 2713.64 | 73268.28 |
| 24 | 2027-05 | 2887.65 | 174.01 | 2713.64 | 70554.64 |
| 25 | 2027-06 | 2881.21 | 167.57 | 2713.64 | 67841.00 |
| 26 | 2027-07 | 2874.76 | 161.12 | 2713.64 | 65127.36 |
| 27 | 2027-08 | 2868.32 | 154.68 | 2713.64 | 62413.72 |
| 28 | 2027-09 | 2861.87 | 148.23 | 2713.64 | 59700.08 |
| 29 | 2027-10 | 2855.43 | 141.79 | 2713.64 | 56986.44 |
| 30 | 2027-11 | 2848.98 | 135.34 | 2713.64 | 54272.80 |
| 31 | 2027-12 | 2842.54 | 128.90 | 2713.64 | 51559.16 |
| 32 | 2028-01 | 2836.09 | 122.45 | 2713.64 | 48845.52 |
| 33 | 2028-02 | 2829.65 | 116.01 | 2713.64 | 46131.88 |
| 34 | 2028-03 | 2823.20 | 109.56 | 2713.64 | 43418.24 |
| 35 | 2028-04 | 2816.76 | 103.12 | 2713.64 | 40704.60 |
| 36 | 2028-05 | 2810.31 | 96.67 | 2713.64 | 37990.96 |
| 37 | 2028-06 | 2803.87 | 90.23 | 2713.64 | 35277.32 |
| 38 | 2028-07 | 2797.42 | 83.78 | 2713.64 | 32563.68 |
| 39 | 2028-08 | 2790.98 | 77.34 | 2713.64 | 29850.04 |
| 40 | 2028-09 | 2784.53 | 70.89 | 2713.64 | 27136.40 |
| 41 | 2028-10 | 2778.09 | 64.45 | 2713.64 | 24422.76 |
| 42 | 2028-11 | 2771.64 | 58.00 | 2713.64 | 21709.12 |
| 43 | 2028-12 | 2765.20 | 51.56 | 2713.64 | 18995.48 |
| 44 | 2029-01 | 2758.75 | 45.11 | 2713.64 | 16281.84 |
| 45 | 2029-02 | 2752.31 | 38.67 | 2713.64 | 13568.20 |
| 46 | 2029-03 | 2745.86 | 32.22 | 2713.64 | 10854.56 |
| 47 | 2029-04 | 2739.42 | 25.78 | 2713.64 | 8140.92 |
| 48 | 2029-05 | 2732.97 | 19.33 | 2713.64 | 5427.28 |
| 49 | 2029-06 | 2726.53 | 12.89 | 2713.64 | 2713.64 |
| 50 | 2029-07 | 2720.08 | 6.44 | 2713.64 | 0.00 |