贷款12.57万（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：12.57万
还款月数：4年2个月
每月还款：2668.82元
利息总额：7759.04元
本息合计：13.34万
| 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 | 2668.82 | 298.49 | 2370.33 | 123311.67 |
| 2 | 2025-07 | 2668.82 | 292.87 | 2375.96 | 120935.72 |
| 3 | 2025-08 | 2668.82 | 287.22 | 2381.60 | 118554.12 |
| 4 | 2025-09 | 2668.82 | 281.57 | 2387.25 | 116166.87 |
| 5 | 2025-10 | 2668.82 | 275.90 | 2392.92 | 113773.94 |
| 6 | 2025-11 | 2668.82 | 270.21 | 2398.61 | 111375.33 |
| 7 | 2025-12 | 2668.82 | 264.52 | 2404.30 | 108971.03 |
| 8 | 2026-01 | 2668.82 | 258.81 | 2410.01 | 106561.01 |
| 9 | 2026-02 | 2668.82 | 253.08 | 2415.74 | 104145.28 |
| 10 | 2026-03 | 2668.82 | 247.35 | 2421.48 | 101723.80 |
| 11 | 2026-04 | 2668.82 | 241.59 | 2427.23 | 99296.57 |
| 12 | 2026-05 | 2668.82 | 235.83 | 2432.99 | 96863.58 |
| 13 | 2026-06 | 2668.82 | 230.05 | 2438.77 | 94424.81 |
| 14 | 2026-07 | 2668.82 | 224.26 | 2444.56 | 91980.25 |
| 15 | 2026-08 | 2668.82 | 218.45 | 2450.37 | 89529.88 |
| 16 | 2026-09 | 2668.82 | 212.63 | 2456.19 | 87073.69 |
| 17 | 2026-10 | 2668.82 | 206.80 | 2462.02 | 84611.67 |
| 18 | 2026-11 | 2668.82 | 200.95 | 2467.87 | 82143.81 |
| 19 | 2026-12 | 2668.82 | 195.09 | 2473.73 | 79670.08 |
| 20 | 2027-01 | 2668.82 | 189.22 | 2479.60 | 77190.47 |
| 21 | 2027-02 | 2668.82 | 183.33 | 2485.49 | 74704.98 |
| 22 | 2027-03 | 2668.82 | 177.42 | 2491.40 | 72213.58 |
| 23 | 2027-04 | 2668.82 | 171.51 | 2497.31 | 69716.27 |
| 24 | 2027-05 | 2668.82 | 165.58 | 2503.24 | 67213.02 |
| 25 | 2027-06 | 2668.82 | 159.63 | 2509.19 | 64703.83 |
| 26 | 2027-07 | 2668.82 | 153.67 | 2515.15 | 62188.69 |
| 27 | 2027-08 | 2668.82 | 147.70 | 2521.12 | 59667.56 |
| 28 | 2027-09 | 2668.82 | 141.71 | 2527.11 | 57140.45 |
| 29 | 2027-10 | 2668.82 | 135.71 | 2533.11 | 54607.34 |
| 30 | 2027-11 | 2668.82 | 129.69 | 2539.13 | 52068.21 |
| 31 | 2027-12 | 2668.82 | 123.66 | 2545.16 | 49523.05 |
| 32 | 2028-01 | 2668.82 | 117.62 | 2551.20 | 46971.85 |
| 33 | 2028-02 | 2668.82 | 111.56 | 2557.26 | 44414.59 |
| 34 | 2028-03 | 2668.82 | 105.48 | 2563.34 | 41851.25 |
| 35 | 2028-04 | 2668.82 | 99.40 | 2569.42 | 39281.83 |
| 36 | 2028-05 | 2668.82 | 93.29 | 2575.53 | 36706.30 |
| 37 | 2028-06 | 2668.82 | 87.18 | 2581.64 | 34124.66 |
| 38 | 2028-07 | 2668.82 | 81.05 | 2587.77 | 31536.88 |
| 39 | 2028-08 | 2668.82 | 74.90 | 2593.92 | 28942.96 |
| 40 | 2028-09 | 2668.82 | 68.74 | 2600.08 | 26342.88 |
| 41 | 2028-10 | 2668.82 | 62.56 | 2606.26 | 23736.62 |
| 42 | 2028-11 | 2668.82 | 56.37 | 2612.45 | 21124.18 |
| 43 | 2028-12 | 2668.82 | 50.17 | 2618.65 | 18505.53 |
| 44 | 2029-01 | 2668.82 | 43.95 | 2624.87 | 15880.66 |
| 45 | 2029-02 | 2668.82 | 37.72 | 2631.10 | 13249.55 |
| 46 | 2029-03 | 2668.82 | 31.47 | 2637.35 | 10612.20 |
| 47 | 2029-04 | 2668.82 | 25.20 | 2643.62 | 7968.58 |
| 48 | 2029-05 | 2668.82 | 18.93 | 2649.90 | 5318.69 |
| 49 | 2029-06 | 2668.82 | 12.63 | 2656.19 | 2662.50 |
| 50 | 2029-07 | 2668.82 | 6.32 | 2662.50 | 0.00 |
等额本金还款方式：
贷款总额：12.57万
还款月数：4年2个月
首月还款：2812.13元
每月递减：5.97元
利息总额：7611.62元
本息合计：13.33万
节省利息：147.42元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2812.13 | 298.49 | 2513.64 | 123168.36 |
| 2 | 2025-07 | 2806.16 | 292.52 | 2513.64 | 120654.72 |
| 3 | 2025-08 | 2800.19 | 286.55 | 2513.64 | 118141.08 |
| 4 | 2025-09 | 2794.23 | 280.59 | 2513.64 | 115627.44 |
| 5 | 2025-10 | 2788.26 | 274.62 | 2513.64 | 113113.80 |
| 6 | 2025-11 | 2782.29 | 268.65 | 2513.64 | 110600.16 |
| 7 | 2025-12 | 2776.32 | 262.68 | 2513.64 | 108086.52 |
| 8 | 2026-01 | 2770.35 | 256.71 | 2513.64 | 105572.88 |
| 9 | 2026-02 | 2764.38 | 250.74 | 2513.64 | 103059.24 |
| 10 | 2026-03 | 2758.41 | 244.77 | 2513.64 | 100545.60 |
| 11 | 2026-04 | 2752.44 | 238.80 | 2513.64 | 98031.96 |
| 12 | 2026-05 | 2746.47 | 232.83 | 2513.64 | 95518.32 |
| 13 | 2026-06 | 2740.50 | 226.86 | 2513.64 | 93004.68 |
| 14 | 2026-07 | 2734.53 | 220.89 | 2513.64 | 90491.04 |
| 15 | 2026-08 | 2728.56 | 214.92 | 2513.64 | 87977.40 |
| 16 | 2026-09 | 2722.59 | 208.95 | 2513.64 | 85463.76 |
| 17 | 2026-10 | 2716.62 | 202.98 | 2513.64 | 82950.12 |
| 18 | 2026-11 | 2710.65 | 197.01 | 2513.64 | 80436.48 |
| 19 | 2026-12 | 2704.68 | 191.04 | 2513.64 | 77922.84 |
| 20 | 2027-01 | 2698.71 | 185.07 | 2513.64 | 75409.20 |
| 21 | 2027-02 | 2692.74 | 179.10 | 2513.64 | 72895.56 |
| 22 | 2027-03 | 2686.77 | 173.13 | 2513.64 | 70381.92 |
| 23 | 2027-04 | 2680.80 | 167.16 | 2513.64 | 67868.28 |
| 24 | 2027-05 | 2674.83 | 161.19 | 2513.64 | 65354.64 |
| 25 | 2027-06 | 2668.86 | 155.22 | 2513.64 | 62841.00 |
| 26 | 2027-07 | 2662.89 | 149.25 | 2513.64 | 60327.36 |
| 27 | 2027-08 | 2656.92 | 143.28 | 2513.64 | 57813.72 |
| 28 | 2027-09 | 2650.95 | 137.31 | 2513.64 | 55300.08 |
| 29 | 2027-10 | 2644.98 | 131.34 | 2513.64 | 52786.44 |
| 30 | 2027-11 | 2639.01 | 125.37 | 2513.64 | 50272.80 |
| 31 | 2027-12 | 2633.04 | 119.40 | 2513.64 | 47759.16 |
| 32 | 2028-01 | 2627.07 | 113.43 | 2513.64 | 45245.52 |
| 33 | 2028-02 | 2621.10 | 107.46 | 2513.64 | 42731.88 |
| 34 | 2028-03 | 2615.13 | 101.49 | 2513.64 | 40218.24 |
| 35 | 2028-04 | 2609.16 | 95.52 | 2513.64 | 37704.60 |
| 36 | 2028-05 | 2603.19 | 89.55 | 2513.64 | 35190.96 |
| 37 | 2028-06 | 2597.22 | 83.58 | 2513.64 | 32677.32 |
| 38 | 2028-07 | 2591.25 | 77.61 | 2513.64 | 30163.68 |
| 39 | 2028-08 | 2585.28 | 71.64 | 2513.64 | 27650.04 |
| 40 | 2028-09 | 2579.31 | 65.67 | 2513.64 | 25136.40 |
| 41 | 2028-10 | 2573.34 | 59.70 | 2513.64 | 22622.76 |
| 42 | 2028-11 | 2567.37 | 53.73 | 2513.64 | 20109.12 |
| 43 | 2028-12 | 2561.40 | 47.76 | 2513.64 | 17595.48 |
| 44 | 2029-01 | 2555.43 | 41.79 | 2513.64 | 15081.84 |
| 45 | 2029-02 | 2549.46 | 35.82 | 2513.64 | 12568.20 |
| 46 | 2029-03 | 2543.49 | 29.85 | 2513.64 | 10054.56 |
| 47 | 2029-04 | 2537.52 | 23.88 | 2513.64 | 7540.92 |
| 48 | 2029-05 | 2531.55 | 17.91 | 2513.64 | 5027.28 |
| 49 | 2029-06 | 2525.58 | 11.94 | 2513.64 | 2513.64 |
| 50 | 2029-07 | 2519.61 | 5.97 | 2513.64 | 0.00 |