贷款12.47万（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：12.47万
还款月数：4年2个月
每月还款：2647.59元
利息总额：7697.3元
本息合计：13.24万
| 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 | 2647.59 | 296.12 | 2351.47 | 122330.53 |
| 2 | 2025-07 | 2647.59 | 290.54 | 2357.05 | 119973.48 |
| 3 | 2025-08 | 2647.59 | 284.94 | 2362.65 | 117610.83 |
| 4 | 2025-09 | 2647.59 | 279.33 | 2368.26 | 115242.57 |
| 5 | 2025-10 | 2647.59 | 273.70 | 2373.88 | 112868.69 |
| 6 | 2025-11 | 2647.59 | 268.06 | 2379.52 | 110489.17 |
| 7 | 2025-12 | 2647.59 | 262.41 | 2385.17 | 108103.99 |
| 8 | 2026-01 | 2647.59 | 256.75 | 2390.84 | 105713.15 |
| 9 | 2026-02 | 2647.59 | 251.07 | 2396.52 | 103316.63 |
| 10 | 2026-03 | 2647.59 | 245.38 | 2402.21 | 100914.43 |
| 11 | 2026-04 | 2647.59 | 239.67 | 2407.91 | 98506.51 |
| 12 | 2026-05 | 2647.59 | 233.95 | 2413.63 | 96092.88 |
| 13 | 2026-06 | 2647.59 | 228.22 | 2419.37 | 93673.51 |
| 14 | 2026-07 | 2647.59 | 222.47 | 2425.11 | 91248.40 |
| 15 | 2026-08 | 2647.59 | 216.71 | 2430.87 | 88817.53 |
| 16 | 2026-09 | 2647.59 | 210.94 | 2436.64 | 86380.89 |
| 17 | 2026-10 | 2647.59 | 205.15 | 2442.43 | 83938.45 |
| 18 | 2026-11 | 2647.59 | 199.35 | 2448.23 | 81490.22 |
| 19 | 2026-12 | 2647.59 | 193.54 | 2454.05 | 79036.17 |
| 20 | 2027-01 | 2647.59 | 187.71 | 2459.88 | 76576.30 |
| 21 | 2027-02 | 2647.59 | 181.87 | 2465.72 | 74110.58 |
| 22 | 2027-03 | 2647.59 | 176.01 | 2471.57 | 71639.01 |
| 23 | 2027-04 | 2647.59 | 170.14 | 2477.44 | 69161.57 |
| 24 | 2027-05 | 2647.59 | 164.26 | 2483.33 | 66678.24 |
| 25 | 2027-06 | 2647.59 | 158.36 | 2489.23 | 64189.01 |
| 26 | 2027-07 | 2647.59 | 152.45 | 2495.14 | 61693.88 |
| 27 | 2027-08 | 2647.59 | 146.52 | 2501.06 | 59192.81 |
| 28 | 2027-09 | 2647.59 | 140.58 | 2507.00 | 56685.81 |
| 29 | 2027-10 | 2647.59 | 134.63 | 2512.96 | 54172.85 |
| 30 | 2027-11 | 2647.59 | 128.66 | 2518.93 | 51653.93 |
| 31 | 2027-12 | 2647.59 | 122.68 | 2524.91 | 49129.02 |
| 32 | 2028-01 | 2647.59 | 116.68 | 2530.90 | 46598.11 |
| 33 | 2028-02 | 2647.59 | 110.67 | 2536.92 | 44061.20 |
| 34 | 2028-03 | 2647.59 | 104.65 | 2542.94 | 41518.26 |
| 35 | 2028-04 | 2647.59 | 98.61 | 2548.98 | 38969.28 |
| 36 | 2028-05 | 2647.59 | 92.55 | 2555.03 | 36414.24 |
| 37 | 2028-06 | 2647.59 | 86.48 | 2561.10 | 33853.14 |
| 38 | 2028-07 | 2647.59 | 80.40 | 2567.18 | 31285.96 |
| 39 | 2028-08 | 2647.59 | 74.30 | 2573.28 | 28712.67 |
| 40 | 2028-09 | 2647.59 | 68.19 | 2579.39 | 26133.28 |
| 41 | 2028-10 | 2647.59 | 62.07 | 2585.52 | 23547.76 |
| 42 | 2028-11 | 2647.59 | 55.93 | 2591.66 | 20956.10 |
| 43 | 2028-12 | 2647.59 | 49.77 | 2597.82 | 18358.29 |
| 44 | 2029-01 | 2647.59 | 43.60 | 2603.99 | 15754.30 |
| 45 | 2029-02 | 2647.59 | 37.42 | 2610.17 | 13144.13 |
| 46 | 2029-03 | 2647.59 | 31.22 | 2616.37 | 10527.76 |
| 47 | 2029-04 | 2647.59 | 25.00 | 2622.58 | 7905.18 |
| 48 | 2029-05 | 2647.59 | 18.77 | 2628.81 | 5276.37 |
| 49 | 2029-06 | 2647.59 | 12.53 | 2635.05 | 2641.31 |
| 50 | 2029-07 | 2647.59 | 6.27 | 2641.31 | 0.00 |
等额本金还款方式：
贷款总额：12.47万
还款月数：4年2个月
首月还款：2789.76元
每月递减：5.92元
利息总额：7551.05元
本息合计：13.22万
节省利息：146.25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 | 2789.76 | 296.12 | 2493.64 | 122188.36 |
| 2 | 2025-07 | 2783.84 | 290.20 | 2493.64 | 119694.72 |
| 3 | 2025-08 | 2777.91 | 284.27 | 2493.64 | 117201.08 |
| 4 | 2025-09 | 2771.99 | 278.35 | 2493.64 | 114707.44 |
| 5 | 2025-10 | 2766.07 | 272.43 | 2493.64 | 112213.80 |
| 6 | 2025-11 | 2760.15 | 266.51 | 2493.64 | 109720.16 |
| 7 | 2025-12 | 2754.23 | 260.59 | 2493.64 | 107226.52 |
| 8 | 2026-01 | 2748.30 | 254.66 | 2493.64 | 104732.88 |
| 9 | 2026-02 | 2742.38 | 248.74 | 2493.64 | 102239.24 |
| 10 | 2026-03 | 2736.46 | 242.82 | 2493.64 | 99745.60 |
| 11 | 2026-04 | 2730.54 | 236.90 | 2493.64 | 97251.96 |
| 12 | 2026-05 | 2724.61 | 230.97 | 2493.64 | 94758.32 |
| 13 | 2026-06 | 2718.69 | 225.05 | 2493.64 | 92264.68 |
| 14 | 2026-07 | 2712.77 | 219.13 | 2493.64 | 89771.04 |
| 15 | 2026-08 | 2706.85 | 213.21 | 2493.64 | 87277.40 |
| 16 | 2026-09 | 2700.92 | 207.28 | 2493.64 | 84783.76 |
| 17 | 2026-10 | 2695.00 | 201.36 | 2493.64 | 82290.12 |
| 18 | 2026-11 | 2689.08 | 195.44 | 2493.64 | 79796.48 |
| 19 | 2026-12 | 2683.16 | 189.52 | 2493.64 | 77302.84 |
| 20 | 2027-01 | 2677.23 | 183.59 | 2493.64 | 74809.20 |
| 21 | 2027-02 | 2671.31 | 177.67 | 2493.64 | 72315.56 |
| 22 | 2027-03 | 2665.39 | 171.75 | 2493.64 | 69821.92 |
| 23 | 2027-04 | 2659.47 | 165.83 | 2493.64 | 67328.28 |
| 24 | 2027-05 | 2653.54 | 159.90 | 2493.64 | 64834.64 |
| 25 | 2027-06 | 2647.62 | 153.98 | 2493.64 | 62341.00 |
| 26 | 2027-07 | 2641.70 | 148.06 | 2493.64 | 59847.36 |
| 27 | 2027-08 | 2635.78 | 142.14 | 2493.64 | 57353.72 |
| 28 | 2027-09 | 2629.86 | 136.22 | 2493.64 | 54860.08 |
| 29 | 2027-10 | 2623.93 | 130.29 | 2493.64 | 52366.44 |
| 30 | 2027-11 | 2618.01 | 124.37 | 2493.64 | 49872.80 |
| 31 | 2027-12 | 2612.09 | 118.45 | 2493.64 | 47379.16 |
| 32 | 2028-01 | 2606.17 | 112.53 | 2493.64 | 44885.52 |
| 33 | 2028-02 | 2600.24 | 106.60 | 2493.64 | 42391.88 |
| 34 | 2028-03 | 2594.32 | 100.68 | 2493.64 | 39898.24 |
| 35 | 2028-04 | 2588.40 | 94.76 | 2493.64 | 37404.60 |
| 36 | 2028-05 | 2582.48 | 88.84 | 2493.64 | 34910.96 |
| 37 | 2028-06 | 2576.55 | 82.91 | 2493.64 | 32417.32 |
| 38 | 2028-07 | 2570.63 | 76.99 | 2493.64 | 29923.68 |
| 39 | 2028-08 | 2564.71 | 71.07 | 2493.64 | 27430.04 |
| 40 | 2028-09 | 2558.79 | 65.15 | 2493.64 | 24936.40 |
| 41 | 2028-10 | 2552.86 | 59.22 | 2493.64 | 22442.76 |
| 42 | 2028-11 | 2546.94 | 53.30 | 2493.64 | 19949.12 |
| 43 | 2028-12 | 2541.02 | 47.38 | 2493.64 | 17455.48 |
| 44 | 2029-01 | 2535.10 | 41.46 | 2493.64 | 14961.84 |
| 45 | 2029-02 | 2529.17 | 35.53 | 2493.64 | 12468.20 |
| 46 | 2029-03 | 2523.25 | 29.61 | 2493.64 | 9974.56 |
| 47 | 2029-04 | 2517.33 | 23.69 | 2493.64 | 7480.92 |
| 48 | 2029-05 | 2511.41 | 17.77 | 2493.64 | 4987.28 |
| 49 | 2029-06 | 2505.48 | 11.84 | 2493.64 | 2493.64 |
| 50 | 2029-07 | 2499.56 | 5.92 | 2493.64 | 0.00 |