贷款7.21万（公积金贷款）房贷，还款4年9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9个月
每月还款：1346.39元
利息总额：4623.12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 | 1346.39 | 156.26 | 1190.13 | 70930.87 |
| 2 | 2026-02 | 1346.39 | 153.68 | 1192.70 | 69738.17 |
| 3 | 2026-03 | 1346.39 | 151.10 | 1195.29 | 68542.88 |
| 4 | 2026-04 | 1346.39 | 148.51 | 1197.88 | 67345.00 |
| 5 | 2026-05 | 1346.39 | 145.91 | 1200.47 | 66144.53 |
| 6 | 2026-06 | 1346.39 | 143.31 | 1203.07 | 64941.45 |
| 7 | 2026-07 | 1346.39 | 140.71 | 1205.68 | 63735.77 |
| 8 | 2026-08 | 1346.39 | 138.09 | 1208.29 | 62527.48 |
| 9 | 2026-09 | 1346.39 | 135.48 | 1210.91 | 61316.57 |
| 10 | 2026-10 | 1346.39 | 132.85 | 1213.54 | 60103.03 |
| 11 | 2026-11 | 1346.39 | 130.22 | 1216.16 | 58886.87 |
| 12 | 2026-12 | 1346.39 | 127.59 | 1218.80 | 57668.07 |
| 13 | 2027-01 | 1346.39 | 124.95 | 1221.44 | 56446.63 |
| 14 | 2027-02 | 1346.39 | 122.30 | 1224.09 | 55222.54 |
| 15 | 2027-03 | 1346.39 | 119.65 | 1226.74 | 53995.80 |
| 16 | 2027-04 | 1346.39 | 116.99 | 1229.40 | 52766.40 |
| 17 | 2027-05 | 1346.39 | 114.33 | 1232.06 | 51534.34 |
| 18 | 2027-06 | 1346.39 | 111.66 | 1234.73 | 50299.61 |
| 19 | 2027-07 | 1346.39 | 108.98 | 1237.41 | 49062.21 |
| 20 | 2027-08 | 1346.39 | 106.30 | 1240.09 | 47822.12 |
| 21 | 2027-09 | 1346.39 | 103.61 | 1242.77 | 46579.35 |
| 22 | 2027-10 | 1346.39 | 100.92 | 1245.47 | 45333.88 |
| 23 | 2027-11 | 1346.39 | 98.22 | 1248.16 | 44085.71 |
| 24 | 2027-12 | 1346.39 | 95.52 | 1250.87 | 42834.85 |
| 25 | 2028-01 | 1346.39 | 92.81 | 1253.58 | 41581.27 |
| 26 | 2028-02 | 1346.39 | 90.09 | 1256.30 | 40324.97 |
| 27 | 2028-03 | 1346.39 | 87.37 | 1259.02 | 39065.95 |
| 28 | 2028-04 | 1346.39 | 84.64 | 1261.75 | 37804.21 |
| 29 | 2028-05 | 1346.39 | 81.91 | 1264.48 | 36539.73 |
| 30 | 2028-06 | 1346.39 | 79.17 | 1267.22 | 35272.51 |
| 31 | 2028-07 | 1346.39 | 76.42 | 1269.96 | 34002.55 |
| 32 | 2028-08 | 1346.39 | 73.67 | 1272.72 | 32729.83 |
| 33 | 2028-09 | 1346.39 | 70.91 | 1275.47 | 31454.36 |
| 34 | 2028-10 | 1346.39 | 68.15 | 1278.24 | 30176.12 |
| 35 | 2028-11 | 1346.39 | 65.38 | 1281.01 | 28895.11 |
| 36 | 2028-12 | 1346.39 | 62.61 | 1283.78 | 27611.33 |
| 37 | 2029-01 | 1346.39 | 59.82 | 1286.56 | 26324.77 |
| 38 | 2029-02 | 1346.39 | 57.04 | 1289.35 | 25035.42 |
| 39 | 2029-03 | 1346.39 | 54.24 | 1292.14 | 23743.27 |
| 40 | 2029-04 | 1346.39 | 51.44 | 1294.94 | 22448.33 |
| 41 | 2029-05 | 1346.39 | 48.64 | 1297.75 | 21150.58 |
| 42 | 2029-06 | 1346.39 | 45.83 | 1300.56 | 19850.02 |
| 43 | 2029-07 | 1346.39 | 43.01 | 1303.38 | 18546.64 |
| 44 | 2029-08 | 1346.39 | 40.18 | 1306.20 | 17240.43 |
| 45 | 2029-09 | 1346.39 | 37.35 | 1309.03 | 15931.40 |
| 46 | 2029-10 | 1346.39 | 34.52 | 1311.87 | 14619.53 |
| 47 | 2029-11 | 1346.39 | 31.68 | 1314.71 | 13304.82 |
| 48 | 2029-12 | 1346.39 | 28.83 | 1317.56 | 11987.26 |
| 49 | 2030-01 | 1346.39 | 25.97 | 1320.42 | 10666.84 |
| 50 | 2030-02 | 1346.39 | 23.11 | 1323.28 | 9343.56 |
| 51 | 2030-03 | 1346.39 | 20.24 | 1326.14 | 8017.42 |
| 52 | 2030-04 | 1346.39 | 17.37 | 1329.02 | 6688.40 |
| 53 | 2030-05 | 1346.39 | 14.49 | 1331.90 | 5356.51 |
| 54 | 2030-06 | 1346.39 | 11.61 | 1334.78 | 4021.72 |
| 55 | 2030-07 | 1346.39 | 8.71 | 1337.67 | 2684.05 |
| 56 | 2030-08 | 1346.39 | 5.82 | 1340.57 | 1343.48 |
| 57 | 2030-09 | 1346.39 | 2.91 | 1343.48 | 0.00 |
等额本金还款方式：
贷款总额：7.21万
还款月数：4年9个月
首月还款：1421.54元
每月递减：2.74元
利息总额：4531.6元
本息合计：7.67万
节省利息：91.52元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 1421.54 | 156.26 | 1265.28 | 70855.72 |
| 2 | 2026-02 | 1418.80 | 153.52 | 1265.28 | 69590.44 |
| 3 | 2026-03 | 1416.06 | 150.78 | 1265.28 | 68325.16 |
| 4 | 2026-04 | 1413.32 | 148.04 | 1265.28 | 67059.88 |
| 5 | 2026-05 | 1410.58 | 145.30 | 1265.28 | 65794.60 |
| 6 | 2026-06 | 1407.84 | 142.55 | 1265.28 | 64529.32 |
| 7 | 2026-07 | 1405.09 | 139.81 | 1265.28 | 63264.04 |
| 8 | 2026-08 | 1402.35 | 137.07 | 1265.28 | 61998.75 |
| 9 | 2026-09 | 1399.61 | 134.33 | 1265.28 | 60733.47 |
| 10 | 2026-10 | 1396.87 | 131.59 | 1265.28 | 59468.19 |
| 11 | 2026-11 | 1394.13 | 128.85 | 1265.28 | 58202.91 |
| 12 | 2026-12 | 1391.39 | 126.11 | 1265.28 | 56937.63 |
| 13 | 2027-01 | 1388.65 | 123.36 | 1265.28 | 55672.35 |
| 14 | 2027-02 | 1385.90 | 120.62 | 1265.28 | 54407.07 |
| 15 | 2027-03 | 1383.16 | 117.88 | 1265.28 | 53141.79 |
| 16 | 2027-04 | 1380.42 | 115.14 | 1265.28 | 51876.51 |
| 17 | 2027-05 | 1377.68 | 112.40 | 1265.28 | 50611.23 |
| 18 | 2027-06 | 1374.94 | 109.66 | 1265.28 | 49345.95 |
| 19 | 2027-07 | 1372.20 | 106.92 | 1265.28 | 48080.67 |
| 20 | 2027-08 | 1369.46 | 104.17 | 1265.28 | 46815.39 |
| 21 | 2027-09 | 1366.71 | 101.43 | 1265.28 | 45550.11 |
| 22 | 2027-10 | 1363.97 | 98.69 | 1265.28 | 44284.82 |
| 23 | 2027-11 | 1361.23 | 95.95 | 1265.28 | 43019.54 |
| 24 | 2027-12 | 1358.49 | 93.21 | 1265.28 | 41754.26 |
| 25 | 2028-01 | 1355.75 | 90.47 | 1265.28 | 40488.98 |
| 26 | 2028-02 | 1353.01 | 87.73 | 1265.28 | 39223.70 |
| 27 | 2028-03 | 1350.27 | 84.98 | 1265.28 | 37958.42 |
| 28 | 2028-04 | 1347.52 | 82.24 | 1265.28 | 36693.14 |
| 29 | 2028-05 | 1344.78 | 79.50 | 1265.28 | 35427.86 |
| 30 | 2028-06 | 1342.04 | 76.76 | 1265.28 | 34162.58 |
| 31 | 2028-07 | 1339.30 | 74.02 | 1265.28 | 32897.30 |
| 32 | 2028-08 | 1336.56 | 71.28 | 1265.28 | 31632.02 |
| 33 | 2028-09 | 1333.82 | 68.54 | 1265.28 | 30366.74 |
| 34 | 2028-10 | 1331.08 | 65.79 | 1265.28 | 29101.46 |
| 35 | 2028-11 | 1328.33 | 63.05 | 1265.28 | 27836.18 |
| 36 | 2028-12 | 1325.59 | 60.31 | 1265.28 | 26570.89 |
| 37 | 2029-01 | 1322.85 | 57.57 | 1265.28 | 25305.61 |
| 38 | 2029-02 | 1320.11 | 54.83 | 1265.28 | 24040.33 |
| 39 | 2029-03 | 1317.37 | 52.09 | 1265.28 | 22775.05 |
| 40 | 2029-04 | 1314.63 | 49.35 | 1265.28 | 21509.77 |
| 41 | 2029-05 | 1311.89 | 46.60 | 1265.28 | 20244.49 |
| 42 | 2029-06 | 1309.14 | 43.86 | 1265.28 | 18979.21 |
| 43 | 2029-07 | 1306.40 | 41.12 | 1265.28 | 17713.93 |
| 44 | 2029-08 | 1303.66 | 38.38 | 1265.28 | 16448.65 |
| 45 | 2029-09 | 1300.92 | 35.64 | 1265.28 | 15183.37 |
| 46 | 2029-10 | 1298.18 | 32.90 | 1265.28 | 13918.09 |
| 47 | 2029-11 | 1295.44 | 30.16 | 1265.28 | 12652.81 |
| 48 | 2029-12 | 1292.70 | 27.41 | 1265.28 | 11387.53 |
| 49 | 2030-01 | 1289.95 | 24.67 | 1265.28 | 10122.25 |
| 50 | 2030-02 | 1287.21 | 21.93 | 1265.28 | 8856.96 |
| 51 | 2030-03 | 1284.47 | 19.19 | 1265.28 | 7591.68 |
| 52 | 2030-04 | 1281.73 | 16.45 | 1265.28 | 6326.40 |
| 53 | 2030-05 | 1278.99 | 13.71 | 1265.28 | 5061.12 |
| 54 | 2030-06 | 1276.25 | 10.97 | 1265.28 | 3795.84 |
| 55 | 2030-07 | 1273.51 | 8.22 | 1265.28 | 2530.56 |
| 56 | 2030-08 | 1270.76 | 5.48 | 1265.28 | 1265.28 |
| 57 | 2030-09 | 1268.02 | 2.74 | 1265.28 | 0.00 |