贷款7.21万（公积金贷款）房贷，还款4年8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：7.21万
还款月数：4年8个月
每月还款：1368.98元
利息总额：4541.81元
本息合计：7.67万
| 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 | 1368.98 | 156.26 | 1212.72 | 70908.28 |
| 2 | 2026-02 | 1368.98 | 153.63 | 1215.34 | 69692.94 |
| 3 | 2026-03 | 1368.98 | 151.00 | 1217.98 | 68474.96 |
| 4 | 2026-04 | 1368.98 | 148.36 | 1220.62 | 67254.35 |
| 5 | 2026-05 | 1368.98 | 145.72 | 1223.26 | 66031.08 |
| 6 | 2026-06 | 1368.98 | 143.07 | 1225.91 | 64805.17 |
| 7 | 2026-07 | 1368.98 | 140.41 | 1228.57 | 63576.61 |
| 8 | 2026-08 | 1368.98 | 137.75 | 1231.23 | 62345.38 |
| 9 | 2026-09 | 1368.98 | 135.08 | 1233.90 | 61111.48 |
| 10 | 2026-10 | 1368.98 | 132.41 | 1236.57 | 59874.91 |
| 11 | 2026-11 | 1368.98 | 129.73 | 1239.25 | 58635.66 |
| 12 | 2026-12 | 1368.98 | 127.04 | 1241.93 | 57393.72 |
| 13 | 2027-01 | 1368.98 | 124.35 | 1244.63 | 56149.10 |
| 14 | 2027-02 | 1368.98 | 121.66 | 1247.32 | 54901.78 |
| 15 | 2027-03 | 1368.98 | 118.95 | 1250.02 | 53651.75 |
| 16 | 2027-04 | 1368.98 | 116.25 | 1252.73 | 52399.02 |
| 17 | 2027-05 | 1368.98 | 113.53 | 1255.45 | 51143.57 |
| 18 | 2027-06 | 1368.98 | 110.81 | 1258.17 | 49885.40 |
| 19 | 2027-07 | 1368.98 | 108.09 | 1260.89 | 48624.51 |
| 20 | 2027-08 | 1368.98 | 105.35 | 1263.63 | 47360.88 |
| 21 | 2027-09 | 1368.98 | 102.62 | 1266.36 | 46094.52 |
| 22 | 2027-10 | 1368.98 | 99.87 | 1269.11 | 44825.41 |
| 23 | 2027-11 | 1368.98 | 97.12 | 1271.86 | 43553.56 |
| 24 | 2027-12 | 1368.98 | 94.37 | 1274.61 | 42278.94 |
| 25 | 2028-01 | 1368.98 | 91.60 | 1277.37 | 41001.57 |
| 26 | 2028-02 | 1368.98 | 88.84 | 1280.14 | 39721.43 |
| 27 | 2028-03 | 1368.98 | 86.06 | 1282.92 | 38438.51 |
| 28 | 2028-04 | 1368.98 | 83.28 | 1285.70 | 37152.82 |
| 29 | 2028-05 | 1368.98 | 80.50 | 1288.48 | 35864.34 |
| 30 | 2028-06 | 1368.98 | 77.71 | 1291.27 | 34573.06 |
| 31 | 2028-07 | 1368.98 | 74.91 | 1294.07 | 33278.99 |
| 32 | 2028-08 | 1368.98 | 72.10 | 1296.87 | 31982.12 |
| 33 | 2028-09 | 1368.98 | 69.29 | 1299.68 | 30682.44 |
| 34 | 2028-10 | 1368.98 | 66.48 | 1302.50 | 29379.94 |
| 35 | 2028-11 | 1368.98 | 63.66 | 1305.32 | 28074.61 |
| 36 | 2028-12 | 1368.98 | 60.83 | 1308.15 | 26766.46 |
| 37 | 2029-01 | 1368.98 | 57.99 | 1310.98 | 25455.48 |
| 38 | 2029-02 | 1368.98 | 55.15 | 1313.83 | 24141.65 |
| 39 | 2029-03 | 1368.98 | 52.31 | 1316.67 | 22824.98 |
| 40 | 2029-04 | 1368.98 | 49.45 | 1319.52 | 21505.46 |
| 41 | 2029-05 | 1368.98 | 46.60 | 1322.38 | 20183.07 |
| 42 | 2029-06 | 1368.98 | 43.73 | 1325.25 | 18857.82 |
| 43 | 2029-07 | 1368.98 | 40.86 | 1328.12 | 17529.70 |
| 44 | 2029-08 | 1368.98 | 37.98 | 1331.00 | 16198.71 |
| 45 | 2029-09 | 1368.98 | 35.10 | 1333.88 | 14864.83 |
| 46 | 2029-10 | 1368.98 | 32.21 | 1336.77 | 13528.05 |
| 47 | 2029-11 | 1368.98 | 29.31 | 1339.67 | 12188.39 |
| 48 | 2029-12 | 1368.98 | 26.41 | 1342.57 | 10845.82 |
| 49 | 2030-01 | 1368.98 | 23.50 | 1345.48 | 9500.34 |
| 50 | 2030-02 | 1368.98 | 20.58 | 1348.39 | 8151.94 |
| 51 | 2030-03 | 1368.98 | 17.66 | 1351.32 | 6800.63 |
| 52 | 2030-04 | 1368.98 | 14.73 | 1354.24 | 5446.38 |
| 53 | 2030-05 | 1368.98 | 11.80 | 1357.18 | 4089.20 |
| 54 | 2030-06 | 1368.98 | 8.86 | 1360.12 | 2729.08 |
| 55 | 2030-07 | 1368.98 | 5.91 | 1363.07 | 1366.02 |
| 56 | 2030-08 | 1368.98 | 2.96 | 1366.02 | 0.00 |
等额本金还款方式：
贷款总额：7.21万
还款月数：4年8个月
首月还款：1444.14元
每月递减：2.79元
利息总额：4453.47元
本息合计：7.66万
节省利息：88.33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 | 1444.14 | 156.26 | 1287.88 | 70833.13 |
| 2 | 2026-02 | 1441.35 | 153.47 | 1287.88 | 69545.25 |
| 3 | 2026-03 | 1438.56 | 150.68 | 1287.88 | 68257.38 |
| 4 | 2026-04 | 1435.77 | 147.89 | 1287.88 | 66969.50 |
| 5 | 2026-05 | 1432.98 | 145.10 | 1287.88 | 65681.63 |
| 6 | 2026-06 | 1430.19 | 142.31 | 1287.88 | 64393.75 |
| 7 | 2026-07 | 1427.39 | 139.52 | 1287.88 | 63105.88 |
| 8 | 2026-08 | 1424.60 | 136.73 | 1287.88 | 61818.00 |
| 9 | 2026-09 | 1421.81 | 133.94 | 1287.88 | 60530.13 |
| 10 | 2026-10 | 1419.02 | 131.15 | 1287.88 | 59242.25 |
| 11 | 2026-11 | 1416.23 | 128.36 | 1287.88 | 57954.38 |
| 12 | 2026-12 | 1413.44 | 125.57 | 1287.88 | 56666.50 |
| 13 | 2027-01 | 1410.65 | 122.78 | 1287.88 | 55378.63 |
| 14 | 2027-02 | 1407.86 | 119.99 | 1287.88 | 54090.75 |
| 15 | 2027-03 | 1405.07 | 117.20 | 1287.88 | 52802.88 |
| 16 | 2027-04 | 1402.28 | 114.41 | 1287.88 | 51515.00 |
| 17 | 2027-05 | 1399.49 | 111.62 | 1287.88 | 50227.13 |
| 18 | 2027-06 | 1396.70 | 108.83 | 1287.88 | 48939.25 |
| 19 | 2027-07 | 1393.91 | 106.04 | 1287.88 | 47651.38 |
| 20 | 2027-08 | 1391.12 | 103.24 | 1287.88 | 46363.50 |
| 21 | 2027-09 | 1388.33 | 100.45 | 1287.88 | 45075.63 |
| 22 | 2027-10 | 1385.54 | 97.66 | 1287.88 | 43787.75 |
| 23 | 2027-11 | 1382.75 | 94.87 | 1287.88 | 42499.88 |
| 24 | 2027-12 | 1379.96 | 92.08 | 1287.88 | 41212.00 |
| 25 | 2028-01 | 1377.17 | 89.29 | 1287.88 | 39924.13 |
| 26 | 2028-02 | 1374.38 | 86.50 | 1287.88 | 38636.25 |
| 27 | 2028-03 | 1371.59 | 83.71 | 1287.88 | 37348.38 |
| 28 | 2028-04 | 1368.80 | 80.92 | 1287.88 | 36060.50 |
| 29 | 2028-05 | 1366.01 | 78.13 | 1287.88 | 34772.63 |
| 30 | 2028-06 | 1363.22 | 75.34 | 1287.88 | 33484.75 |
| 31 | 2028-07 | 1360.43 | 72.55 | 1287.88 | 32196.88 |
| 32 | 2028-08 | 1357.63 | 69.76 | 1287.88 | 30909.00 |
| 33 | 2028-09 | 1354.84 | 66.97 | 1287.88 | 29621.13 |
| 34 | 2028-10 | 1352.05 | 64.18 | 1287.88 | 28333.25 |
| 35 | 2028-11 | 1349.26 | 61.39 | 1287.88 | 27045.38 |
| 36 | 2028-12 | 1346.47 | 58.60 | 1287.88 | 25757.50 |
| 37 | 2029-01 | 1343.68 | 55.81 | 1287.88 | 24469.63 |
| 38 | 2029-02 | 1340.89 | 53.02 | 1287.88 | 23181.75 |
| 39 | 2029-03 | 1338.10 | 50.23 | 1287.88 | 21893.88 |
| 40 | 2029-04 | 1335.31 | 47.44 | 1287.88 | 20606.00 |
| 41 | 2029-05 | 1332.52 | 44.65 | 1287.88 | 19318.13 |
| 42 | 2029-06 | 1329.73 | 41.86 | 1287.88 | 18030.25 |
| 43 | 2029-07 | 1326.94 | 39.07 | 1287.88 | 16742.38 |
| 44 | 2029-08 | 1324.15 | 36.28 | 1287.88 | 15454.50 |
| 45 | 2029-09 | 1321.36 | 33.48 | 1287.88 | 14166.63 |
| 46 | 2029-10 | 1318.57 | 30.69 | 1287.88 | 12878.75 |
| 47 | 2029-11 | 1315.78 | 27.90 | 1287.88 | 11590.88 |
| 48 | 2029-12 | 1312.99 | 25.11 | 1287.88 | 10303.00 |
| 49 | 2030-01 | 1310.20 | 22.32 | 1287.88 | 9015.13 |
| 50 | 2030-02 | 1307.41 | 19.53 | 1287.88 | 7727.25 |
| 51 | 2030-03 | 1304.62 | 16.74 | 1287.88 | 6439.38 |
| 52 | 2030-04 | 1301.83 | 13.95 | 1287.88 | 5151.50 |
| 53 | 2030-05 | 1299.04 | 11.16 | 1287.88 | 3863.63 |
| 54 | 2030-06 | 1296.25 | 8.37 | 1287.88 | 2575.75 |
| 55 | 2030-07 | 1293.46 | 5.58 | 1287.88 | 1287.88 |
| 56 | 2030-08 | 1290.67 | 2.79 | 1287.88 | 0.00 |