贷款7.2万（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：7.2万
还款月数：4年
每月还款：1581.85元
利息总额：3888.95元
本息合计：7.59万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 1581.85 | 156.09 | 1425.77 | 70614.23 |
| 2 | 2026-02 | 1581.85 | 153.00 | 1428.86 | 69185.38 |
| 3 | 2026-03 | 1581.85 | 149.90 | 1431.95 | 67753.43 |
| 4 | 2026-04 | 1581.85 | 146.80 | 1435.05 | 66318.37 |
| 5 | 2026-05 | 1581.85 | 143.69 | 1438.16 | 64880.21 |
| 6 | 2026-06 | 1581.85 | 140.57 | 1441.28 | 63438.93 |
| 7 | 2026-07 | 1581.85 | 137.45 | 1444.40 | 61994.53 |
| 8 | 2026-08 | 1581.85 | 134.32 | 1447.53 | 60547.00 |
| 9 | 2026-09 | 1581.85 | 131.19 | 1450.67 | 59096.33 |
| 10 | 2026-10 | 1581.85 | 128.04 | 1453.81 | 57642.52 |
| 11 | 2026-11 | 1581.85 | 124.89 | 1456.96 | 56185.56 |
| 12 | 2026-12 | 1581.85 | 121.74 | 1460.12 | 54725.44 |
| 13 | 2027-01 | 1581.85 | 118.57 | 1463.28 | 53262.16 |
| 14 | 2027-02 | 1581.85 | 115.40 | 1466.45 | 51795.71 |
| 15 | 2027-03 | 1581.85 | 112.22 | 1469.63 | 50326.08 |
| 16 | 2027-04 | 1581.85 | 109.04 | 1472.81 | 48853.26 |
| 17 | 2027-05 | 1581.85 | 105.85 | 1476.00 | 47377.26 |
| 18 | 2027-06 | 1581.85 | 102.65 | 1479.20 | 45898.06 |
| 19 | 2027-07 | 1581.85 | 99.45 | 1482.41 | 44415.65 |
| 20 | 2027-08 | 1581.85 | 96.23 | 1485.62 | 42930.03 |
| 21 | 2027-09 | 1581.85 | 93.02 | 1488.84 | 41441.19 |
| 22 | 2027-10 | 1581.85 | 89.79 | 1492.06 | 39949.13 |
| 23 | 2027-11 | 1581.85 | 86.56 | 1495.30 | 38453.83 |
| 24 | 2027-12 | 1581.85 | 83.32 | 1498.54 | 36955.30 |
| 25 | 2028-01 | 1581.85 | 80.07 | 1501.78 | 35453.51 |
| 26 | 2028-02 | 1581.85 | 76.82 | 1505.04 | 33948.48 |
| 27 | 2028-03 | 1581.85 | 73.56 | 1508.30 | 32440.18 |
| 28 | 2028-04 | 1581.85 | 70.29 | 1511.57 | 30928.61 |
| 29 | 2028-05 | 1581.85 | 67.01 | 1514.84 | 29413.77 |
| 30 | 2028-06 | 1581.85 | 63.73 | 1518.12 | 27895.65 |
| 31 | 2028-07 | 1581.85 | 60.44 | 1521.41 | 26374.24 |
| 32 | 2028-08 | 1581.85 | 57.14 | 1524.71 | 24849.53 |
| 33 | 2028-09 | 1581.85 | 53.84 | 1528.01 | 23321.51 |
| 34 | 2028-10 | 1581.85 | 50.53 | 1531.32 | 21790.19 |
| 35 | 2028-11 | 1581.85 | 47.21 | 1534.64 | 20255.55 |
| 36 | 2028-12 | 1581.85 | 43.89 | 1537.97 | 18717.58 |
| 37 | 2029-01 | 1581.85 | 40.55 | 1541.30 | 17176.29 |
| 38 | 2029-02 | 1581.85 | 37.22 | 1544.64 | 15631.65 |
| 39 | 2029-03 | 1581.85 | 33.87 | 1547.98 | 14083.66 |
| 40 | 2029-04 | 1581.85 | 30.51 | 1551.34 | 12532.33 |
| 41 | 2029-05 | 1581.85 | 27.15 | 1554.70 | 10977.63 |
| 42 | 2029-06 | 1581.85 | 23.78 | 1558.07 | 9419.56 |
| 43 | 2029-07 | 1581.85 | 20.41 | 1561.44 | 7858.11 |
| 44 | 2029-08 | 1581.85 | 17.03 | 1564.83 | 6293.29 |
| 45 | 2029-09 | 1581.85 | 13.64 | 1568.22 | 4725.07 |
| 46 | 2029-10 | 1581.85 | 10.24 | 1571.62 | 3153.45 |
| 47 | 2029-11 | 1581.85 | 6.83 | 1575.02 | 1578.43 |
| 48 | 2029-12 | 1581.85 | 3.42 | 1578.43 | 0.00 |
等额本金还款方式：
贷款总额：7.2万
还款月数：4年
首月还款：1656.92元
每月递减：3.25元
利息总额：3824.12元
本息合计：7.59万
节省利息：64.82元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 1656.92 | 156.09 | 1500.83 | 70539.17 |
| 2 | 2026-02 | 1653.67 | 152.83 | 1500.83 | 69038.33 |
| 3 | 2026-03 | 1650.42 | 149.58 | 1500.83 | 67537.50 |
| 4 | 2026-04 | 1647.16 | 146.33 | 1500.83 | 66036.67 |
| 5 | 2026-05 | 1643.91 | 143.08 | 1500.83 | 64535.83 |
| 6 | 2026-06 | 1640.66 | 139.83 | 1500.83 | 63035.00 |
| 7 | 2026-07 | 1637.41 | 136.58 | 1500.83 | 61534.17 |
| 8 | 2026-08 | 1634.16 | 133.32 | 1500.83 | 60033.33 |
| 9 | 2026-09 | 1630.91 | 130.07 | 1500.83 | 58532.50 |
| 10 | 2026-10 | 1627.65 | 126.82 | 1500.83 | 57031.67 |
| 11 | 2026-11 | 1624.40 | 123.57 | 1500.83 | 55530.83 |
| 12 | 2026-12 | 1621.15 | 120.32 | 1500.83 | 54030.00 |
| 13 | 2027-01 | 1617.90 | 117.07 | 1500.83 | 52529.17 |
| 14 | 2027-02 | 1614.65 | 113.81 | 1500.83 | 51028.33 |
| 15 | 2027-03 | 1611.39 | 110.56 | 1500.83 | 49527.50 |
| 16 | 2027-04 | 1608.14 | 107.31 | 1500.83 | 48026.67 |
| 17 | 2027-05 | 1604.89 | 104.06 | 1500.83 | 46525.83 |
| 18 | 2027-06 | 1601.64 | 100.81 | 1500.83 | 45025.00 |
| 19 | 2027-07 | 1598.39 | 97.55 | 1500.83 | 43524.17 |
| 20 | 2027-08 | 1595.14 | 94.30 | 1500.83 | 42023.33 |
| 21 | 2027-09 | 1591.88 | 91.05 | 1500.83 | 40522.50 |
| 22 | 2027-10 | 1588.63 | 87.80 | 1500.83 | 39021.67 |
| 23 | 2027-11 | 1585.38 | 84.55 | 1500.83 | 37520.83 |
| 24 | 2027-12 | 1582.13 | 81.30 | 1500.83 | 36020.00 |
| 25 | 2028-01 | 1578.88 | 78.04 | 1500.83 | 34519.17 |
| 26 | 2028-02 | 1575.62 | 74.79 | 1500.83 | 33018.33 |
| 27 | 2028-03 | 1572.37 | 71.54 | 1500.83 | 31517.50 |
| 28 | 2028-04 | 1569.12 | 68.29 | 1500.83 | 30016.67 |
| 29 | 2028-05 | 1565.87 | 65.04 | 1500.83 | 28515.83 |
| 30 | 2028-06 | 1562.62 | 61.78 | 1500.83 | 27015.00 |
| 31 | 2028-07 | 1559.37 | 58.53 | 1500.83 | 25514.17 |
| 32 | 2028-08 | 1556.11 | 55.28 | 1500.83 | 24013.33 |
| 33 | 2028-09 | 1552.86 | 52.03 | 1500.83 | 22512.50 |
| 34 | 2028-10 | 1549.61 | 48.78 | 1500.83 | 21011.67 |
| 35 | 2028-11 | 1546.36 | 45.53 | 1500.83 | 19510.83 |
| 36 | 2028-12 | 1543.11 | 42.27 | 1500.83 | 18010.00 |
| 37 | 2029-01 | 1539.86 | 39.02 | 1500.83 | 16509.17 |
| 38 | 2029-02 | 1536.60 | 35.77 | 1500.83 | 15008.33 |
| 39 | 2029-03 | 1533.35 | 32.52 | 1500.83 | 13507.50 |
| 40 | 2029-04 | 1530.10 | 29.27 | 1500.83 | 12006.67 |
| 41 | 2029-05 | 1526.85 | 26.01 | 1500.83 | 10505.83 |
| 42 | 2029-06 | 1523.60 | 22.76 | 1500.83 | 9005.00 |
| 43 | 2029-07 | 1520.34 | 19.51 | 1500.83 | 7504.17 |
| 44 | 2029-08 | 1517.09 | 16.26 | 1500.83 | 6003.33 |
| 45 | 2029-09 | 1513.84 | 13.01 | 1500.83 | 4502.50 |
| 46 | 2029-10 | 1510.59 | 9.76 | 1500.83 | 3001.67 |
| 47 | 2029-11 | 1507.34 | 6.50 | 1500.83 | 1500.83 |
| 48 | 2029-12 | 1504.09 | 3.25 | 1500.83 | 0.00 |