贷款9.02万（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：9.02万
还款月数：4年
每月还款：1991.31元
利息总额：5348.09元
本息合计：9.56万
| 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 | 1991.31 | 214.31 | 1777.01 | 88457.99 |
| 2 | 2025-07 | 1991.31 | 210.09 | 1781.23 | 86676.77 |
| 3 | 2025-08 | 1991.31 | 205.86 | 1785.46 | 84891.31 |
| 4 | 2025-09 | 1991.31 | 201.62 | 1789.70 | 83101.61 |
| 5 | 2025-10 | 1991.31 | 197.37 | 1793.95 | 81307.66 |
| 6 | 2025-11 | 1991.31 | 193.11 | 1798.21 | 79509.46 |
| 7 | 2025-12 | 1991.31 | 188.83 | 1802.48 | 77706.98 |
| 8 | 2026-01 | 1991.31 | 184.55 | 1806.76 | 75900.22 |
| 9 | 2026-02 | 1991.31 | 180.26 | 1811.05 | 74089.16 |
| 10 | 2026-03 | 1991.31 | 175.96 | 1815.35 | 72273.81 |
| 11 | 2026-04 | 1991.31 | 171.65 | 1819.66 | 70454.15 |
| 12 | 2026-05 | 1991.31 | 167.33 | 1823.99 | 68630.16 |
| 13 | 2026-06 | 1991.31 | 163.00 | 1828.32 | 66801.84 |
| 14 | 2026-07 | 1991.31 | 158.65 | 1832.66 | 64969.18 |
| 15 | 2026-08 | 1991.31 | 154.30 | 1837.01 | 63132.17 |
| 16 | 2026-09 | 1991.31 | 149.94 | 1841.38 | 61290.80 |
| 17 | 2026-10 | 1991.31 | 145.57 | 1845.75 | 59445.05 |
| 18 | 2026-11 | 1991.31 | 141.18 | 1850.13 | 57594.91 |
| 19 | 2026-12 | 1991.31 | 136.79 | 1854.53 | 55740.39 |
| 20 | 2027-01 | 1991.31 | 132.38 | 1858.93 | 53881.46 |
| 21 | 2027-02 | 1991.31 | 127.97 | 1863.35 | 52018.11 |
| 22 | 2027-03 | 1991.31 | 123.54 | 1867.77 | 50150.34 |
| 23 | 2027-04 | 1991.31 | 119.11 | 1872.21 | 48278.13 |
| 24 | 2027-05 | 1991.31 | 114.66 | 1876.65 | 46401.48 |
| 25 | 2027-06 | 1991.31 | 110.20 | 1881.11 | 44520.37 |
| 26 | 2027-07 | 1991.31 | 105.74 | 1885.58 | 42634.79 |
| 27 | 2027-08 | 1991.31 | 101.26 | 1890.06 | 40744.73 |
| 28 | 2027-09 | 1991.31 | 96.77 | 1894.55 | 38850.19 |
| 29 | 2027-10 | 1991.31 | 92.27 | 1899.05 | 36951.14 |
| 30 | 2027-11 | 1991.31 | 87.76 | 1903.56 | 35047.58 |
| 31 | 2027-12 | 1991.31 | 83.24 | 1908.08 | 33139.51 |
| 32 | 2028-01 | 1991.31 | 78.71 | 1912.61 | 31226.90 |
| 33 | 2028-02 | 1991.31 | 74.16 | 1917.15 | 29309.75 |
| 34 | 2028-03 | 1991.31 | 69.61 | 1921.70 | 27388.05 |
| 35 | 2028-04 | 1991.31 | 65.05 | 1926.27 | 25461.78 |
| 36 | 2028-05 | 1991.31 | 60.47 | 1930.84 | 23530.93 |
| 37 | 2028-06 | 1991.31 | 55.89 | 1935.43 | 21595.51 |
| 38 | 2028-07 | 1991.31 | 51.29 | 1940.03 | 19655.48 |
| 39 | 2028-08 | 1991.31 | 46.68 | 1944.63 | 17710.85 |
| 40 | 2028-09 | 1991.31 | 42.06 | 1949.25 | 15761.60 |
| 41 | 2028-10 | 1991.31 | 37.43 | 1953.88 | 13807.72 |
| 42 | 2028-11 | 1991.31 | 32.79 | 1958.52 | 11849.20 |
| 43 | 2028-12 | 1991.31 | 28.14 | 1963.17 | 9886.02 |
| 44 | 2029-01 | 1991.31 | 23.48 | 1967.84 | 7918.19 |
| 45 | 2029-02 | 1991.31 | 18.81 | 1972.51 | 5945.68 |
| 46 | 2029-03 | 1991.31 | 14.12 | 1977.19 | 3968.49 |
| 47 | 2029-04 | 1991.31 | 9.43 | 1981.89 | 1986.60 |
| 48 | 2029-05 | 1991.31 | 4.72 | 1986.60 | 0.00 |
等额本金还款方式：
贷款总额：9.02万
还款月数：4年
首月还款：2094.2元
每月递减：4.46元
利息总额：5250.55元
本息合计：9.55万
节省利息：97.55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 | 2094.20 | 214.31 | 1879.90 | 88355.10 |
| 2 | 2025-07 | 2089.74 | 209.84 | 1879.90 | 86475.21 |
| 3 | 2025-08 | 2085.27 | 205.38 | 1879.90 | 84595.31 |
| 4 | 2025-09 | 2080.81 | 200.91 | 1879.90 | 82715.42 |
| 5 | 2025-10 | 2076.34 | 196.45 | 1879.90 | 80835.52 |
| 6 | 2025-11 | 2071.88 | 191.98 | 1879.90 | 78955.63 |
| 7 | 2025-12 | 2067.42 | 187.52 | 1879.90 | 77075.73 |
| 8 | 2026-01 | 2062.95 | 183.05 | 1879.90 | 75195.83 |
| 9 | 2026-02 | 2058.49 | 178.59 | 1879.90 | 73315.94 |
| 10 | 2026-03 | 2054.02 | 174.13 | 1879.90 | 71436.04 |
| 11 | 2026-04 | 2049.56 | 169.66 | 1879.90 | 69556.15 |
| 12 | 2026-05 | 2045.09 | 165.20 | 1879.90 | 67676.25 |
| 13 | 2026-06 | 2040.63 | 160.73 | 1879.90 | 65796.35 |
| 14 | 2026-07 | 2036.16 | 156.27 | 1879.90 | 63916.46 |
| 15 | 2026-08 | 2031.70 | 151.80 | 1879.90 | 62036.56 |
| 16 | 2026-09 | 2027.23 | 147.34 | 1879.90 | 60156.67 |
| 17 | 2026-10 | 2022.77 | 142.87 | 1879.90 | 58276.77 |
| 18 | 2026-11 | 2018.30 | 138.41 | 1879.90 | 56396.88 |
| 19 | 2026-12 | 2013.84 | 133.94 | 1879.90 | 54516.98 |
| 20 | 2027-01 | 2009.37 | 129.48 | 1879.90 | 52637.08 |
| 21 | 2027-02 | 2004.91 | 125.01 | 1879.90 | 50757.19 |
| 22 | 2027-03 | 2000.44 | 120.55 | 1879.90 | 48877.29 |
| 23 | 2027-04 | 1995.98 | 116.08 | 1879.90 | 46997.40 |
| 24 | 2027-05 | 1991.51 | 111.62 | 1879.90 | 45117.50 |
| 25 | 2027-06 | 1987.05 | 107.15 | 1879.90 | 43237.60 |
| 26 | 2027-07 | 1982.59 | 102.69 | 1879.90 | 41357.71 |
| 27 | 2027-08 | 1978.12 | 98.22 | 1879.90 | 39477.81 |
| 28 | 2027-09 | 1973.66 | 93.76 | 1879.90 | 37597.92 |
| 29 | 2027-10 | 1969.19 | 89.30 | 1879.90 | 35718.02 |
| 30 | 2027-11 | 1964.73 | 84.83 | 1879.90 | 33838.13 |
| 31 | 2027-12 | 1960.26 | 80.37 | 1879.90 | 31958.23 |
| 32 | 2028-01 | 1955.80 | 75.90 | 1879.90 | 30078.33 |
| 33 | 2028-02 | 1951.33 | 71.44 | 1879.90 | 28198.44 |
| 34 | 2028-03 | 1946.87 | 66.97 | 1879.90 | 26318.54 |
| 35 | 2028-04 | 1942.40 | 62.51 | 1879.90 | 24438.65 |
| 36 | 2028-05 | 1937.94 | 58.04 | 1879.90 | 22558.75 |
| 37 | 2028-06 | 1933.47 | 53.58 | 1879.90 | 20678.85 |
| 38 | 2028-07 | 1929.01 | 49.11 | 1879.90 | 18798.96 |
| 39 | 2028-08 | 1924.54 | 44.65 | 1879.90 | 16919.06 |
| 40 | 2028-09 | 1920.08 | 40.18 | 1879.90 | 15039.17 |
| 41 | 2028-10 | 1915.61 | 35.72 | 1879.90 | 13159.27 |
| 42 | 2028-11 | 1911.15 | 31.25 | 1879.90 | 11279.38 |
| 43 | 2028-12 | 1906.68 | 26.79 | 1879.90 | 9399.48 |
| 44 | 2029-01 | 1902.22 | 22.32 | 1879.90 | 7519.58 |
| 45 | 2029-02 | 1897.75 | 17.86 | 1879.90 | 5639.69 |
| 46 | 2029-03 | 1893.29 | 13.39 | 1879.90 | 3759.79 |
| 47 | 2029-04 | 1888.83 | 8.93 | 1879.90 | 1879.90 |
| 48 | 2029-05 | 1884.36 | 4.46 | 1879.90 | 0.00 |