贷款14万（公积金贷款）房贷，还款4年2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2个月
每月还款：2997.64元
利息总额：9882.25元
本息合计：14.99万
| 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 | 2997.64 | 379.17 | 2618.48 | 137381.52 |
| 2 | 2025-07 | 2997.64 | 372.07 | 2625.57 | 134755.95 |
| 3 | 2025-08 | 2997.64 | 364.96 | 2632.68 | 132123.27 |
| 4 | 2025-09 | 2997.64 | 357.83 | 2639.81 | 129483.46 |
| 5 | 2025-10 | 2997.64 | 350.68 | 2646.96 | 126836.50 |
| 6 | 2025-11 | 2997.64 | 343.52 | 2654.13 | 124182.37 |
| 7 | 2025-12 | 2997.64 | 336.33 | 2661.32 | 121521.05 |
| 8 | 2026-01 | 2997.64 | 329.12 | 2668.53 | 118852.53 |
| 9 | 2026-02 | 2997.64 | 321.89 | 2675.75 | 116176.77 |
| 10 | 2026-03 | 2997.64 | 314.65 | 2683.00 | 113493.77 |
| 11 | 2026-04 | 2997.64 | 307.38 | 2690.27 | 110803.51 |
| 12 | 2026-05 | 2997.64 | 300.09 | 2697.55 | 108105.96 |
| 13 | 2026-06 | 2997.64 | 292.79 | 2704.86 | 105401.10 |
| 14 | 2026-07 | 2997.64 | 285.46 | 2712.18 | 102688.91 |
| 15 | 2026-08 | 2997.64 | 278.12 | 2719.53 | 99969.38 |
| 16 | 2026-09 | 2997.64 | 270.75 | 2726.89 | 97242.49 |
| 17 | 2026-10 | 2997.64 | 263.37 | 2734.28 | 94508.21 |
| 18 | 2026-11 | 2997.64 | 255.96 | 2741.69 | 91766.53 |
| 19 | 2026-12 | 2997.64 | 248.53 | 2749.11 | 89017.41 |
| 20 | 2027-01 | 2997.64 | 241.09 | 2756.56 | 86260.86 |
| 21 | 2027-02 | 2997.64 | 233.62 | 2764.02 | 83496.84 |
| 22 | 2027-03 | 2997.64 | 226.14 | 2771.51 | 80725.33 |
| 23 | 2027-04 | 2997.64 | 218.63 | 2779.01 | 77946.31 |
| 24 | 2027-05 | 2997.64 | 211.10 | 2786.54 | 75159.77 |
| 25 | 2027-06 | 2997.64 | 203.56 | 2794.09 | 72365.69 |
| 26 | 2027-07 | 2997.64 | 195.99 | 2801.65 | 69564.03 |
| 27 | 2027-08 | 2997.64 | 188.40 | 2809.24 | 66754.79 |
| 28 | 2027-09 | 2997.64 | 180.79 | 2816.85 | 63937.94 |
| 29 | 2027-10 | 2997.64 | 173.17 | 2824.48 | 61113.46 |
| 30 | 2027-11 | 2997.64 | 165.52 | 2832.13 | 58281.33 |
| 31 | 2027-12 | 2997.64 | 157.85 | 2839.80 | 55441.53 |
| 32 | 2028-01 | 2997.64 | 150.15 | 2847.49 | 52594.04 |
| 33 | 2028-02 | 2997.64 | 142.44 | 2855.20 | 49738.84 |
| 34 | 2028-03 | 2997.64 | 134.71 | 2862.94 | 46875.90 |
| 35 | 2028-04 | 2997.64 | 126.96 | 2870.69 | 44005.21 |
| 36 | 2028-05 | 2997.64 | 119.18 | 2878.46 | 41126.75 |
| 37 | 2028-06 | 2997.64 | 111.38 | 2886.26 | 38240.49 |
| 38 | 2028-07 | 2997.64 | 103.57 | 2894.08 | 35346.41 |
| 39 | 2028-08 | 2997.64 | 95.73 | 2901.92 | 32444.50 |
| 40 | 2028-09 | 2997.64 | 87.87 | 2909.77 | 29534.72 |
| 41 | 2028-10 | 2997.64 | 79.99 | 2917.66 | 26617.07 |
| 42 | 2028-11 | 2997.64 | 72.09 | 2925.56 | 23691.51 |
| 43 | 2028-12 | 2997.64 | 64.16 | 2933.48 | 20758.03 |
| 44 | 2029-01 | 2997.64 | 56.22 | 2941.43 | 17816.60 |
| 45 | 2029-02 | 2997.64 | 48.25 | 2949.39 | 14867.21 |
| 46 | 2029-03 | 2997.64 | 40.27 | 2957.38 | 11909.83 |
| 47 | 2029-04 | 2997.64 | 32.26 | 2965.39 | 8944.44 |
| 48 | 2029-05 | 2997.64 | 24.22 | 2973.42 | 5971.02 |
| 49 | 2029-06 | 2997.64 | 16.17 | 2981.47 | 2989.55 |
| 50 | 2029-07 | 2997.64 | 8.10 | 2989.55 | 0.00 |
等额本金还款方式：
贷款总额：14万
还款月数：4年2个月
首月还款：3179.17元
每月递减：7.58元
利息总额：9668.75元
本息合计：14.97万
节省利息：213.5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 | 3179.17 | 379.17 | 2800.00 | 137200.00 |
| 2 | 2025-07 | 3171.58 | 371.58 | 2800.00 | 134400.00 |
| 3 | 2025-08 | 3164.00 | 364.00 | 2800.00 | 131600.00 |
| 4 | 2025-09 | 3156.42 | 356.42 | 2800.00 | 128800.00 |
| 5 | 2025-10 | 3148.83 | 348.83 | 2800.00 | 126000.00 |
| 6 | 2025-11 | 3141.25 | 341.25 | 2800.00 | 123200.00 |
| 7 | 2025-12 | 3133.67 | 333.67 | 2800.00 | 120400.00 |
| 8 | 2026-01 | 3126.08 | 326.08 | 2800.00 | 117600.00 |
| 9 | 2026-02 | 3118.50 | 318.50 | 2800.00 | 114800.00 |
| 10 | 2026-03 | 3110.92 | 310.92 | 2800.00 | 112000.00 |
| 11 | 2026-04 | 3103.33 | 303.33 | 2800.00 | 109200.00 |
| 12 | 2026-05 | 3095.75 | 295.75 | 2800.00 | 106400.00 |
| 13 | 2026-06 | 3088.17 | 288.17 | 2800.00 | 103600.00 |
| 14 | 2026-07 | 3080.58 | 280.58 | 2800.00 | 100800.00 |
| 15 | 2026-08 | 3073.00 | 273.00 | 2800.00 | 98000.00 |
| 16 | 2026-09 | 3065.42 | 265.42 | 2800.00 | 95200.00 |
| 17 | 2026-10 | 3057.83 | 257.83 | 2800.00 | 92400.00 |
| 18 | 2026-11 | 3050.25 | 250.25 | 2800.00 | 89600.00 |
| 19 | 2026-12 | 3042.67 | 242.67 | 2800.00 | 86800.00 |
| 20 | 2027-01 | 3035.08 | 235.08 | 2800.00 | 84000.00 |
| 21 | 2027-02 | 3027.50 | 227.50 | 2800.00 | 81200.00 |
| 22 | 2027-03 | 3019.92 | 219.92 | 2800.00 | 78400.00 |
| 23 | 2027-04 | 3012.33 | 212.33 | 2800.00 | 75600.00 |
| 24 | 2027-05 | 3004.75 | 204.75 | 2800.00 | 72800.00 |
| 25 | 2027-06 | 2997.17 | 197.17 | 2800.00 | 70000.00 |
| 26 | 2027-07 | 2989.58 | 189.58 | 2800.00 | 67200.00 |
| 27 | 2027-08 | 2982.00 | 182.00 | 2800.00 | 64400.00 |
| 28 | 2027-09 | 2974.42 | 174.42 | 2800.00 | 61600.00 |
| 29 | 2027-10 | 2966.83 | 166.83 | 2800.00 | 58800.00 |
| 30 | 2027-11 | 2959.25 | 159.25 | 2800.00 | 56000.00 |
| 31 | 2027-12 | 2951.67 | 151.67 | 2800.00 | 53200.00 |
| 32 | 2028-01 | 2944.08 | 144.08 | 2800.00 | 50400.00 |
| 33 | 2028-02 | 2936.50 | 136.50 | 2800.00 | 47600.00 |
| 34 | 2028-03 | 2928.92 | 128.92 | 2800.00 | 44800.00 |
| 35 | 2028-04 | 2921.33 | 121.33 | 2800.00 | 42000.00 |
| 36 | 2028-05 | 2913.75 | 113.75 | 2800.00 | 39200.00 |
| 37 | 2028-06 | 2906.17 | 106.17 | 2800.00 | 36400.00 |
| 38 | 2028-07 | 2898.58 | 98.58 | 2800.00 | 33600.00 |
| 39 | 2028-08 | 2891.00 | 91.00 | 2800.00 | 30800.00 |
| 40 | 2028-09 | 2883.42 | 83.42 | 2800.00 | 28000.00 |
| 41 | 2028-10 | 2875.83 | 75.83 | 2800.00 | 25200.00 |
| 42 | 2028-11 | 2868.25 | 68.25 | 2800.00 | 22400.00 |
| 43 | 2028-12 | 2860.67 | 60.67 | 2800.00 | 19600.00 |
| 44 | 2029-01 | 2853.08 | 53.08 | 2800.00 | 16800.00 |
| 45 | 2029-02 | 2845.50 | 45.50 | 2800.00 | 14000.00 |
| 46 | 2029-03 | 2837.92 | 37.92 | 2800.00 | 11200.00 |
| 47 | 2029-04 | 2830.33 | 30.33 | 2800.00 | 8400.00 |
| 48 | 2029-05 | 2822.75 | 22.75 | 2800.00 | 5600.00 |
| 49 | 2029-06 | 2815.17 | 15.17 | 2800.00 | 2800.00 |
| 50 | 2029-07 | 2807.58 | 7.58 | 2800.00 | 0.00 |