贷款14万（公积金贷款）房贷，还款4年1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：14万
还款月数：4年1个月
每月还款：3054.78元
利息总额：9684.21元
本息合计：14.97万
| 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 | 3054.78 | 379.17 | 2675.61 | 137324.39 |
| 2 | 2025-07 | 3054.78 | 371.92 | 2682.86 | 134641.53 |
| 3 | 2025-08 | 3054.78 | 364.65 | 2690.13 | 131951.40 |
| 4 | 2025-09 | 3054.78 | 357.37 | 2697.41 | 129253.99 |
| 5 | 2025-10 | 3054.78 | 350.06 | 2704.72 | 126549.27 |
| 6 | 2025-11 | 3054.78 | 342.74 | 2712.04 | 123837.23 |
| 7 | 2025-12 | 3054.78 | 335.39 | 2719.39 | 121117.84 |
| 8 | 2026-01 | 3054.78 | 328.03 | 2726.75 | 118391.09 |
| 9 | 2026-02 | 3054.78 | 320.64 | 2734.14 | 115656.95 |
| 10 | 2026-03 | 3054.78 | 313.24 | 2741.54 | 112915.41 |
| 11 | 2026-04 | 3054.78 | 305.81 | 2748.97 | 110166.44 |
| 12 | 2026-05 | 3054.78 | 298.37 | 2756.41 | 107410.03 |
| 13 | 2026-06 | 3054.78 | 290.90 | 2763.88 | 104646.15 |
| 14 | 2026-07 | 3054.78 | 283.42 | 2771.36 | 101874.79 |
| 15 | 2026-08 | 3054.78 | 275.91 | 2778.87 | 99095.92 |
| 16 | 2026-09 | 3054.78 | 268.38 | 2786.40 | 96309.53 |
| 17 | 2026-10 | 3054.78 | 260.84 | 2793.94 | 93515.59 |
| 18 | 2026-11 | 3054.78 | 253.27 | 2801.51 | 90714.08 |
| 19 | 2026-12 | 3054.78 | 245.68 | 2809.10 | 87904.98 |
| 20 | 2027-01 | 3054.78 | 238.08 | 2816.70 | 85088.28 |
| 21 | 2027-02 | 3054.78 | 230.45 | 2824.33 | 82263.95 |
| 22 | 2027-03 | 3054.78 | 222.80 | 2831.98 | 79431.96 |
| 23 | 2027-04 | 3054.78 | 215.13 | 2839.65 | 76592.31 |
| 24 | 2027-05 | 3054.78 | 207.44 | 2847.34 | 73744.97 |
| 25 | 2027-06 | 3054.78 | 199.73 | 2855.05 | 70889.92 |
| 26 | 2027-07 | 3054.78 | 191.99 | 2862.79 | 68027.13 |
| 27 | 2027-08 | 3054.78 | 184.24 | 2870.54 | 65156.59 |
| 28 | 2027-09 | 3054.78 | 176.47 | 2878.31 | 62278.28 |
| 29 | 2027-10 | 3054.78 | 168.67 | 2886.11 | 59392.17 |
| 30 | 2027-11 | 3054.78 | 160.85 | 2893.93 | 56498.24 |
| 31 | 2027-12 | 3054.78 | 153.02 | 2901.76 | 53596.48 |
| 32 | 2028-01 | 3054.78 | 145.16 | 2909.62 | 50686.85 |
| 33 | 2028-02 | 3054.78 | 137.28 | 2917.50 | 47769.35 |
| 34 | 2028-03 | 3054.78 | 129.38 | 2925.40 | 44843.95 |
| 35 | 2028-04 | 3054.78 | 121.45 | 2933.33 | 41910.62 |
| 36 | 2028-05 | 3054.78 | 113.51 | 2941.27 | 38969.35 |
| 37 | 2028-06 | 3054.78 | 105.54 | 2949.24 | 36020.11 |
| 38 | 2028-07 | 3054.78 | 97.55 | 2957.23 | 33062.88 |
| 39 | 2028-08 | 3054.78 | 89.55 | 2965.23 | 30097.65 |
| 40 | 2028-09 | 3054.78 | 81.51 | 2973.27 | 27124.38 |
| 41 | 2028-10 | 3054.78 | 73.46 | 2981.32 | 24143.07 |
| 42 | 2028-11 | 3054.78 | 65.39 | 2989.39 | 21153.67 |
| 43 | 2028-12 | 3054.78 | 57.29 | 2997.49 | 18156.19 |
| 44 | 2029-01 | 3054.78 | 49.17 | 3005.61 | 15150.58 |
| 45 | 2029-02 | 3054.78 | 41.03 | 3013.75 | 12136.83 |
| 46 | 2029-03 | 3054.78 | 32.87 | 3021.91 | 9114.92 |
| 47 | 2029-04 | 3054.78 | 24.69 | 3030.09 | 6084.83 |
| 48 | 2029-05 | 3054.78 | 16.48 | 3038.30 | 3046.53 |
| 49 | 2029-06 | 3054.78 | 8.25 | 3046.53 | 0.00 |
等额本金还款方式：
贷款总额：14万
还款月数：4年1个月
首月还款：3236.31元
每月递减：7.74元
利息总额：9479.17元
本息合计：14.95万
节省利息：205.04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 | 3236.31 | 379.17 | 2857.14 | 137142.86 |
| 2 | 2025-07 | 3228.57 | 371.43 | 2857.14 | 134285.71 |
| 3 | 2025-08 | 3220.83 | 363.69 | 2857.14 | 131428.57 |
| 4 | 2025-09 | 3213.10 | 355.95 | 2857.14 | 128571.43 |
| 5 | 2025-10 | 3205.36 | 348.21 | 2857.14 | 125714.29 |
| 6 | 2025-11 | 3197.62 | 340.48 | 2857.14 | 122857.14 |
| 7 | 2025-12 | 3189.88 | 332.74 | 2857.14 | 120000.00 |
| 8 | 2026-01 | 3182.14 | 325.00 | 2857.14 | 117142.86 |
| 9 | 2026-02 | 3174.40 | 317.26 | 2857.14 | 114285.71 |
| 10 | 2026-03 | 3166.67 | 309.52 | 2857.14 | 111428.57 |
| 11 | 2026-04 | 3158.93 | 301.79 | 2857.14 | 108571.43 |
| 12 | 2026-05 | 3151.19 | 294.05 | 2857.14 | 105714.29 |
| 13 | 2026-06 | 3143.45 | 286.31 | 2857.14 | 102857.14 |
| 14 | 2026-07 | 3135.71 | 278.57 | 2857.14 | 100000.00 |
| 15 | 2026-08 | 3127.98 | 270.83 | 2857.14 | 97142.86 |
| 16 | 2026-09 | 3120.24 | 263.10 | 2857.14 | 94285.71 |
| 17 | 2026-10 | 3112.50 | 255.36 | 2857.14 | 91428.57 |
| 18 | 2026-11 | 3104.76 | 247.62 | 2857.14 | 88571.43 |
| 19 | 2026-12 | 3097.02 | 239.88 | 2857.14 | 85714.29 |
| 20 | 2027-01 | 3089.29 | 232.14 | 2857.14 | 82857.14 |
| 21 | 2027-02 | 3081.55 | 224.40 | 2857.14 | 80000.00 |
| 22 | 2027-03 | 3073.81 | 216.67 | 2857.14 | 77142.86 |
| 23 | 2027-04 | 3066.07 | 208.93 | 2857.14 | 74285.71 |
| 24 | 2027-05 | 3058.33 | 201.19 | 2857.14 | 71428.57 |
| 25 | 2027-06 | 3050.60 | 193.45 | 2857.14 | 68571.43 |
| 26 | 2027-07 | 3042.86 | 185.71 | 2857.14 | 65714.29 |
| 27 | 2027-08 | 3035.12 | 177.98 | 2857.14 | 62857.14 |
| 28 | 2027-09 | 3027.38 | 170.24 | 2857.14 | 60000.00 |
| 29 | 2027-10 | 3019.64 | 162.50 | 2857.14 | 57142.86 |
| 30 | 2027-11 | 3011.90 | 154.76 | 2857.14 | 54285.71 |
| 31 | 2027-12 | 3004.17 | 147.02 | 2857.14 | 51428.57 |
| 32 | 2028-01 | 2996.43 | 139.29 | 2857.14 | 48571.43 |
| 33 | 2028-02 | 2988.69 | 131.55 | 2857.14 | 45714.29 |
| 34 | 2028-03 | 2980.95 | 123.81 | 2857.14 | 42857.14 |
| 35 | 2028-04 | 2973.21 | 116.07 | 2857.14 | 40000.00 |
| 36 | 2028-05 | 2965.48 | 108.33 | 2857.14 | 37142.86 |
| 37 | 2028-06 | 2957.74 | 100.60 | 2857.14 | 34285.71 |
| 38 | 2028-07 | 2950.00 | 92.86 | 2857.14 | 31428.57 |
| 39 | 2028-08 | 2942.26 | 85.12 | 2857.14 | 28571.43 |
| 40 | 2028-09 | 2934.52 | 77.38 | 2857.14 | 25714.29 |
| 41 | 2028-10 | 2926.79 | 69.64 | 2857.14 | 22857.14 |
| 42 | 2028-11 | 2919.05 | 61.90 | 2857.14 | 20000.00 |
| 43 | 2028-12 | 2911.31 | 54.17 | 2857.14 | 17142.86 |
| 44 | 2029-01 | 2903.57 | 46.43 | 2857.14 | 14285.71 |
| 45 | 2029-02 | 2895.83 | 38.69 | 2857.14 | 11428.57 |
| 46 | 2029-03 | 2888.10 | 30.95 | 2857.14 | 8571.43 |
| 47 | 2029-04 | 2880.36 | 23.21 | 2857.14 | 5714.29 |
| 48 | 2029-05 | 2872.62 | 15.48 | 2857.14 | 2857.14 |
| 49 | 2029-06 | 2864.88 | 7.74 | 2857.14 | 0.00 |