贷款80万（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：80万
还款月数：4年
每月还款：17795.99元
利息总额：5.42万
本息合计：85.42万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 17795.99 | 2166.67 | 15629.33 | 784370.67 |
| 2 | 2025-09 | 17795.99 | 2124.34 | 15671.66 | 768699.02 |
| 3 | 2025-10 | 17795.99 | 2081.89 | 15714.10 | 752984.92 |
| 4 | 2025-11 | 17795.99 | 2039.33 | 15756.66 | 737228.26 |
| 5 | 2025-12 | 17795.99 | 1996.66 | 15799.33 | 721428.93 |
| 6 | 2026-01 | 17795.99 | 1953.87 | 15842.12 | 705586.80 |
| 7 | 2026-02 | 17795.99 | 1910.96 | 15885.03 | 689701.77 |
| 8 | 2026-03 | 17795.99 | 1867.94 | 15928.05 | 673773.72 |
| 9 | 2026-04 | 17795.99 | 1824.80 | 15971.19 | 657802.53 |
| 10 | 2026-05 | 17795.99 | 1781.55 | 16014.44 | 641788.09 |
| 11 | 2026-06 | 17795.99 | 1738.18 | 16057.82 | 625730.27 |
| 12 | 2026-07 | 17795.99 | 1694.69 | 16101.31 | 609628.96 |
| 13 | 2026-08 | 17795.99 | 1651.08 | 16144.91 | 593484.05 |
| 14 | 2026-09 | 17795.99 | 1607.35 | 16188.64 | 577295.41 |
| 15 | 2026-10 | 17795.99 | 1563.51 | 16232.48 | 561062.92 |
| 16 | 2026-11 | 17795.99 | 1519.55 | 16276.45 | 544786.48 |
| 17 | 2026-12 | 17795.99 | 1475.46 | 16320.53 | 528465.95 |
| 18 | 2027-01 | 17795.99 | 1431.26 | 16364.73 | 512101.22 |
| 19 | 2027-02 | 17795.99 | 1386.94 | 16409.05 | 495692.16 |
| 20 | 2027-03 | 17795.99 | 1342.50 | 16453.49 | 479238.67 |
| 21 | 2027-04 | 17795.99 | 1297.94 | 16498.06 | 462740.61 |
| 22 | 2027-05 | 17795.99 | 1253.26 | 16542.74 | 446197.88 |
| 23 | 2027-06 | 17795.99 | 1208.45 | 16587.54 | 429610.34 |
| 24 | 2027-07 | 17795.99 | 1163.53 | 16632.47 | 412977.87 |
| 25 | 2027-08 | 17795.99 | 1118.48 | 16677.51 | 396300.36 |
| 26 | 2027-09 | 17795.99 | 1073.31 | 16722.68 | 379577.68 |
| 27 | 2027-10 | 17795.99 | 1028.02 | 16767.97 | 362809.71 |
| 28 | 2027-11 | 17795.99 | 982.61 | 16813.38 | 345996.33 |
| 29 | 2027-12 | 17795.99 | 937.07 | 16858.92 | 329137.41 |
| 30 | 2028-01 | 17795.99 | 891.41 | 16904.58 | 312232.83 |
| 31 | 2028-02 | 17795.99 | 845.63 | 16950.36 | 295282.46 |
| 32 | 2028-03 | 17795.99 | 799.72 | 16996.27 | 278286.19 |
| 33 | 2028-04 | 17795.99 | 753.69 | 17042.30 | 261243.89 |
| 34 | 2028-05 | 17795.99 | 707.54 | 17088.46 | 244155.44 |
| 35 | 2028-06 | 17795.99 | 661.25 | 17134.74 | 227020.70 |
| 36 | 2028-07 | 17795.99 | 614.85 | 17181.15 | 209839.55 |
| 37 | 2028-08 | 17795.99 | 568.32 | 17227.68 | 192611.87 |
| 38 | 2028-09 | 17795.99 | 521.66 | 17274.34 | 175337.54 |
| 39 | 2028-10 | 17795.99 | 474.87 | 17321.12 | 158016.42 |
| 40 | 2028-11 | 17795.99 | 427.96 | 17368.03 | 140648.38 |
| 41 | 2028-12 | 17795.99 | 380.92 | 17415.07 | 123233.31 |
| 42 | 2029-01 | 17795.99 | 333.76 | 17462.24 | 105771.08 |
| 43 | 2029-02 | 17795.99 | 286.46 | 17509.53 | 88261.55 |
| 44 | 2029-03 | 17795.99 | 239.04 | 17556.95 | 70704.60 |
| 45 | 2029-04 | 17795.99 | 191.49 | 17604.50 | 53100.09 |
| 46 | 2029-05 | 17795.99 | 143.81 | 17652.18 | 35447.91 |
| 47 | 2029-06 | 17795.99 | 96.00 | 17699.99 | 17747.93 |
| 48 | 2029-07 | 17795.99 | 48.07 | 17747.93 | 0.00 |
等额本金还款方式：
贷款总额：80万
还款月数：4年
首月还款：18833.33元
每月递减：45.14元
利息总额：5.31万
本息合计：85.31万
节省利息：1124.34元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 18833.33 | 2166.67 | 16666.67 | 783333.33 |
| 2 | 2025-09 | 18788.19 | 2121.53 | 16666.67 | 766666.67 |
| 3 | 2025-10 | 18743.06 | 2076.39 | 16666.67 | 750000.00 |
| 4 | 2025-11 | 18697.92 | 2031.25 | 16666.67 | 733333.33 |
| 5 | 2025-12 | 18652.78 | 1986.11 | 16666.67 | 716666.67 |
| 6 | 2026-01 | 18607.64 | 1940.97 | 16666.67 | 700000.00 |
| 7 | 2026-02 | 18562.50 | 1895.83 | 16666.67 | 683333.33 |
| 8 | 2026-03 | 18517.36 | 1850.69 | 16666.67 | 666666.67 |
| 9 | 2026-04 | 18472.22 | 1805.56 | 16666.67 | 650000.00 |
| 10 | 2026-05 | 18427.08 | 1760.42 | 16666.67 | 633333.33 |
| 11 | 2026-06 | 18381.94 | 1715.28 | 16666.67 | 616666.67 |
| 12 | 2026-07 | 18336.81 | 1670.14 | 16666.67 | 600000.00 |
| 13 | 2026-08 | 18291.67 | 1625.00 | 16666.67 | 583333.33 |
| 14 | 2026-09 | 18246.53 | 1579.86 | 16666.67 | 566666.67 |
| 15 | 2026-10 | 18201.39 | 1534.72 | 16666.67 | 550000.00 |
| 16 | 2026-11 | 18156.25 | 1489.58 | 16666.67 | 533333.33 |
| 17 | 2026-12 | 18111.11 | 1444.44 | 16666.67 | 516666.67 |
| 18 | 2027-01 | 18065.97 | 1399.31 | 16666.67 | 500000.00 |
| 19 | 2027-02 | 18020.83 | 1354.17 | 16666.67 | 483333.33 |
| 20 | 2027-03 | 17975.69 | 1309.03 | 16666.67 | 466666.67 |
| 21 | 2027-04 | 17930.56 | 1263.89 | 16666.67 | 450000.00 |
| 22 | 2027-05 | 17885.42 | 1218.75 | 16666.67 | 433333.33 |
| 23 | 2027-06 | 17840.28 | 1173.61 | 16666.67 | 416666.67 |
| 24 | 2027-07 | 17795.14 | 1128.47 | 16666.67 | 400000.00 |
| 25 | 2027-08 | 17750.00 | 1083.33 | 16666.67 | 383333.33 |
| 26 | 2027-09 | 17704.86 | 1038.19 | 16666.67 | 366666.67 |
| 27 | 2027-10 | 17659.72 | 993.06 | 16666.67 | 350000.00 |
| 28 | 2027-11 | 17614.58 | 947.92 | 16666.67 | 333333.33 |
| 29 | 2027-12 | 17569.44 | 902.78 | 16666.67 | 316666.67 |
| 30 | 2028-01 | 17524.31 | 857.64 | 16666.67 | 300000.00 |
| 31 | 2028-02 | 17479.17 | 812.50 | 16666.67 | 283333.33 |
| 32 | 2028-03 | 17434.03 | 767.36 | 16666.67 | 266666.67 |
| 33 | 2028-04 | 17388.89 | 722.22 | 16666.67 | 250000.00 |
| 34 | 2028-05 | 17343.75 | 677.08 | 16666.67 | 233333.33 |
| 35 | 2028-06 | 17298.61 | 631.94 | 16666.67 | 216666.67 |
| 36 | 2028-07 | 17253.47 | 586.81 | 16666.67 | 200000.00 |
| 37 | 2028-08 | 17208.33 | 541.67 | 16666.67 | 183333.33 |
| 38 | 2028-09 | 17163.19 | 496.53 | 16666.67 | 166666.67 |
| 39 | 2028-10 | 17118.06 | 451.39 | 16666.67 | 150000.00 |
| 40 | 2028-11 | 17072.92 | 406.25 | 16666.67 | 133333.33 |
| 41 | 2028-12 | 17027.78 | 361.11 | 16666.67 | 116666.67 |
| 42 | 2029-01 | 16982.64 | 315.97 | 16666.67 | 100000.00 |
| 43 | 2029-02 | 16937.50 | 270.83 | 16666.67 | 83333.33 |
| 44 | 2029-03 | 16892.36 | 225.69 | 16666.67 | 66666.67 |
| 45 | 2029-04 | 16847.22 | 180.56 | 16666.67 | 50000.00 |
| 46 | 2029-05 | 16802.08 | 135.42 | 16666.67 | 33333.33 |
| 47 | 2029-06 | 16756.94 | 90.28 | 16666.67 | 16666.67 |
| 48 | 2029-07 | 16711.81 | 45.14 | 16666.67 | 0.00 |