贷款11.47万（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：11.47万
还款月数：4年2个月
每月还款：2435.24元
利息总额：7079.95元
本息合计：12.18万
| 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 | 2435.24 | 272.37 | 2162.87 | 112519.13 |
| 2 | 2025-07 | 2435.24 | 267.23 | 2168.01 | 110351.12 |
| 3 | 2025-08 | 2435.24 | 262.08 | 2173.16 | 108177.97 |
| 4 | 2025-09 | 2435.24 | 256.92 | 2178.32 | 105999.65 |
| 5 | 2025-10 | 2435.24 | 251.75 | 2183.49 | 103816.16 |
| 6 | 2025-11 | 2435.24 | 246.56 | 2188.68 | 101627.49 |
| 7 | 2025-12 | 2435.24 | 241.37 | 2193.87 | 99433.61 |
| 8 | 2026-01 | 2435.24 | 236.15 | 2199.08 | 97234.53 |
| 9 | 2026-02 | 2435.24 | 230.93 | 2204.31 | 95030.22 |
| 10 | 2026-03 | 2435.24 | 225.70 | 2209.54 | 92820.68 |
| 11 | 2026-04 | 2435.24 | 220.45 | 2214.79 | 90605.89 |
| 12 | 2026-05 | 2435.24 | 215.19 | 2220.05 | 88385.84 |
| 13 | 2026-06 | 2435.24 | 209.92 | 2225.32 | 86160.52 |
| 14 | 2026-07 | 2435.24 | 204.63 | 2230.61 | 83929.91 |
| 15 | 2026-08 | 2435.24 | 199.33 | 2235.91 | 81694.01 |
| 16 | 2026-09 | 2435.24 | 194.02 | 2241.22 | 79452.79 |
| 17 | 2026-10 | 2435.24 | 188.70 | 2246.54 | 77206.25 |
| 18 | 2026-11 | 2435.24 | 183.36 | 2251.87 | 74954.38 |
| 19 | 2026-12 | 2435.24 | 178.02 | 2257.22 | 72697.15 |
| 20 | 2027-01 | 2435.24 | 172.66 | 2262.58 | 70434.57 |
| 21 | 2027-02 | 2435.24 | 167.28 | 2267.96 | 68166.61 |
| 22 | 2027-03 | 2435.24 | 161.90 | 2273.34 | 65893.27 |
| 23 | 2027-04 | 2435.24 | 156.50 | 2278.74 | 63614.53 |
| 24 | 2027-05 | 2435.24 | 151.08 | 2284.15 | 61330.37 |
| 25 | 2027-06 | 2435.24 | 145.66 | 2289.58 | 59040.79 |
| 26 | 2027-07 | 2435.24 | 140.22 | 2295.02 | 56745.78 |
| 27 | 2027-08 | 2435.24 | 134.77 | 2300.47 | 54445.31 |
| 28 | 2027-09 | 2435.24 | 129.31 | 2305.93 | 52139.38 |
| 29 | 2027-10 | 2435.24 | 123.83 | 2311.41 | 49827.97 |
| 30 | 2027-11 | 2435.24 | 118.34 | 2316.90 | 47511.07 |
| 31 | 2027-12 | 2435.24 | 112.84 | 2322.40 | 45188.67 |
| 32 | 2028-01 | 2435.24 | 107.32 | 2327.92 | 42860.76 |
| 33 | 2028-02 | 2435.24 | 101.79 | 2333.44 | 40527.31 |
| 34 | 2028-03 | 2435.24 | 96.25 | 2338.99 | 38188.33 |
| 35 | 2028-04 | 2435.24 | 90.70 | 2344.54 | 35843.78 |
| 36 | 2028-05 | 2435.24 | 85.13 | 2350.11 | 33493.67 |
| 37 | 2028-06 | 2435.24 | 79.55 | 2355.69 | 31137.98 |
| 38 | 2028-07 | 2435.24 | 73.95 | 2361.29 | 28776.70 |
| 39 | 2028-08 | 2435.24 | 68.34 | 2366.89 | 26409.80 |
| 40 | 2028-09 | 2435.24 | 62.72 | 2372.52 | 24037.29 |
| 41 | 2028-10 | 2435.24 | 57.09 | 2378.15 | 21659.14 |
| 42 | 2028-11 | 2435.24 | 51.44 | 2383.80 | 19275.34 |
| 43 | 2028-12 | 2435.24 | 45.78 | 2389.46 | 16885.88 |
| 44 | 2029-01 | 2435.24 | 40.10 | 2395.14 | 14490.74 |
| 45 | 2029-02 | 2435.24 | 34.42 | 2400.82 | 12089.92 |
| 46 | 2029-03 | 2435.24 | 28.71 | 2406.53 | 9683.39 |
| 47 | 2029-04 | 2435.24 | 23.00 | 2412.24 | 7271.15 |
| 48 | 2029-05 | 2435.24 | 17.27 | 2417.97 | 4853.18 |
| 49 | 2029-06 | 2435.24 | 11.53 | 2423.71 | 2429.47 |
| 50 | 2029-07 | 2435.24 | 5.77 | 2429.47 | 0.00 |
等额本金还款方式：
贷款总额：11.47万
还款月数：4年2个月
首月还款：2566.01元
每月递减：5.45元
利息总额：6945.43元
本息合计：12.16万
节省利息：134.52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 | 2566.01 | 272.37 | 2293.64 | 112388.36 |
| 2 | 2025-07 | 2560.56 | 266.92 | 2293.64 | 110094.72 |
| 3 | 2025-08 | 2555.11 | 261.47 | 2293.64 | 107801.08 |
| 4 | 2025-09 | 2549.67 | 256.03 | 2293.64 | 105507.44 |
| 5 | 2025-10 | 2544.22 | 250.58 | 2293.64 | 103213.80 |
| 6 | 2025-11 | 2538.77 | 245.13 | 2293.64 | 100920.16 |
| 7 | 2025-12 | 2533.33 | 239.69 | 2293.64 | 98626.52 |
| 8 | 2026-01 | 2527.88 | 234.24 | 2293.64 | 96332.88 |
| 9 | 2026-02 | 2522.43 | 228.79 | 2293.64 | 94039.24 |
| 10 | 2026-03 | 2516.98 | 223.34 | 2293.64 | 91745.60 |
| 11 | 2026-04 | 2511.54 | 217.90 | 2293.64 | 89451.96 |
| 12 | 2026-05 | 2506.09 | 212.45 | 2293.64 | 87158.32 |
| 13 | 2026-06 | 2500.64 | 207.00 | 2293.64 | 84864.68 |
| 14 | 2026-07 | 2495.19 | 201.55 | 2293.64 | 82571.04 |
| 15 | 2026-08 | 2489.75 | 196.11 | 2293.64 | 80277.40 |
| 16 | 2026-09 | 2484.30 | 190.66 | 2293.64 | 77983.76 |
| 17 | 2026-10 | 2478.85 | 185.21 | 2293.64 | 75690.12 |
| 18 | 2026-11 | 2473.40 | 179.76 | 2293.64 | 73396.48 |
| 19 | 2026-12 | 2467.96 | 174.32 | 2293.64 | 71102.84 |
| 20 | 2027-01 | 2462.51 | 168.87 | 2293.64 | 68809.20 |
| 21 | 2027-02 | 2457.06 | 163.42 | 2293.64 | 66515.56 |
| 22 | 2027-03 | 2451.61 | 157.97 | 2293.64 | 64221.92 |
| 23 | 2027-04 | 2446.17 | 152.53 | 2293.64 | 61928.28 |
| 24 | 2027-05 | 2440.72 | 147.08 | 2293.64 | 59634.64 |
| 25 | 2027-06 | 2435.27 | 141.63 | 2293.64 | 57341.00 |
| 26 | 2027-07 | 2429.82 | 136.18 | 2293.64 | 55047.36 |
| 27 | 2027-08 | 2424.38 | 130.74 | 2293.64 | 52753.72 |
| 28 | 2027-09 | 2418.93 | 125.29 | 2293.64 | 50460.08 |
| 29 | 2027-10 | 2413.48 | 119.84 | 2293.64 | 48166.44 |
| 30 | 2027-11 | 2408.04 | 114.40 | 2293.64 | 45872.80 |
| 31 | 2027-12 | 2402.59 | 108.95 | 2293.64 | 43579.16 |
| 32 | 2028-01 | 2397.14 | 103.50 | 2293.64 | 41285.52 |
| 33 | 2028-02 | 2391.69 | 98.05 | 2293.64 | 38991.88 |
| 34 | 2028-03 | 2386.25 | 92.61 | 2293.64 | 36698.24 |
| 35 | 2028-04 | 2380.80 | 87.16 | 2293.64 | 34404.60 |
| 36 | 2028-05 | 2375.35 | 81.71 | 2293.64 | 32110.96 |
| 37 | 2028-06 | 2369.90 | 76.26 | 2293.64 | 29817.32 |
| 38 | 2028-07 | 2364.46 | 70.82 | 2293.64 | 27523.68 |
| 39 | 2028-08 | 2359.01 | 65.37 | 2293.64 | 25230.04 |
| 40 | 2028-09 | 2353.56 | 59.92 | 2293.64 | 22936.40 |
| 41 | 2028-10 | 2348.11 | 54.47 | 2293.64 | 20642.76 |
| 42 | 2028-11 | 2342.67 | 49.03 | 2293.64 | 18349.12 |
| 43 | 2028-12 | 2337.22 | 43.58 | 2293.64 | 16055.48 |
| 44 | 2029-01 | 2331.77 | 38.13 | 2293.64 | 13761.84 |
| 45 | 2029-02 | 2326.32 | 32.68 | 2293.64 | 11468.20 |
| 46 | 2029-03 | 2320.88 | 27.24 | 2293.64 | 9174.56 |
| 47 | 2029-04 | 2315.43 | 21.79 | 2293.64 | 6880.92 |
| 48 | 2029-05 | 2309.98 | 16.34 | 2293.64 | 4587.28 |
| 49 | 2029-06 | 2304.53 | 10.89 | 2293.64 | 2293.64 |
| 50 | 2029-07 | 2299.09 | 5.45 | 2293.64 | 0.00 |