贷款14万（公积金贷款）房贷，还款4年4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4个月
每月还款：2889.98元
利息总额：1.03万
本息合计：15.03万
| 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 | 2889.98 | 379.17 | 2510.81 | 137489.19 |
| 2 | 2025-07 | 2889.98 | 372.37 | 2517.61 | 134971.58 |
| 3 | 2025-08 | 2889.98 | 365.55 | 2524.43 | 132447.15 |
| 4 | 2025-09 | 2889.98 | 358.71 | 2531.27 | 129915.88 |
| 5 | 2025-10 | 2889.98 | 351.86 | 2538.12 | 127377.76 |
| 6 | 2025-11 | 2889.98 | 344.98 | 2545.00 | 124832.76 |
| 7 | 2025-12 | 2889.98 | 338.09 | 2551.89 | 122280.87 |
| 8 | 2026-01 | 2889.98 | 331.18 | 2558.80 | 119722.07 |
| 9 | 2026-02 | 2889.98 | 324.25 | 2565.73 | 117156.34 |
| 10 | 2026-03 | 2889.98 | 317.30 | 2572.68 | 114583.66 |
| 11 | 2026-04 | 2889.98 | 310.33 | 2579.65 | 112004.02 |
| 12 | 2026-05 | 2889.98 | 303.34 | 2586.63 | 109417.38 |
| 13 | 2026-06 | 2889.98 | 296.34 | 2593.64 | 106823.74 |
| 14 | 2026-07 | 2889.98 | 289.31 | 2600.66 | 104223.08 |
| 15 | 2026-08 | 2889.98 | 282.27 | 2607.71 | 101615.37 |
| 16 | 2026-09 | 2889.98 | 275.21 | 2614.77 | 99000.61 |
| 17 | 2026-10 | 2889.98 | 268.13 | 2621.85 | 96378.75 |
| 18 | 2026-11 | 2889.98 | 261.03 | 2628.95 | 93749.80 |
| 19 | 2026-12 | 2889.98 | 253.91 | 2636.07 | 91113.73 |
| 20 | 2027-01 | 2889.98 | 246.77 | 2643.21 | 88470.52 |
| 21 | 2027-02 | 2889.98 | 239.61 | 2650.37 | 85820.15 |
| 22 | 2027-03 | 2889.98 | 232.43 | 2657.55 | 83162.60 |
| 23 | 2027-04 | 2889.98 | 225.23 | 2664.75 | 80497.86 |
| 24 | 2027-05 | 2889.98 | 218.02 | 2671.96 | 77825.89 |
| 25 | 2027-06 | 2889.98 | 210.78 | 2679.20 | 75146.69 |
| 26 | 2027-07 | 2889.98 | 203.52 | 2686.46 | 72460.24 |
| 27 | 2027-08 | 2889.98 | 196.25 | 2693.73 | 69766.51 |
| 28 | 2027-09 | 2889.98 | 188.95 | 2701.03 | 67065.48 |
| 29 | 2027-10 | 2889.98 | 181.64 | 2708.34 | 64357.14 |
| 30 | 2027-11 | 2889.98 | 174.30 | 2715.68 | 61641.46 |
| 31 | 2027-12 | 2889.98 | 166.95 | 2723.03 | 58918.43 |
| 32 | 2028-01 | 2889.98 | 159.57 | 2730.41 | 56188.02 |
| 33 | 2028-02 | 2889.98 | 152.18 | 2737.80 | 53450.22 |
| 34 | 2028-03 | 2889.98 | 144.76 | 2745.22 | 50705.00 |
| 35 | 2028-04 | 2889.98 | 137.33 | 2752.65 | 47952.35 |
| 36 | 2028-05 | 2889.98 | 129.87 | 2760.11 | 45192.25 |
| 37 | 2028-06 | 2889.98 | 122.40 | 2767.58 | 42424.66 |
| 38 | 2028-07 | 2889.98 | 114.90 | 2775.08 | 39649.59 |
| 39 | 2028-08 | 2889.98 | 107.38 | 2782.59 | 36866.99 |
| 40 | 2028-09 | 2889.98 | 99.85 | 2790.13 | 34076.86 |
| 41 | 2028-10 | 2889.98 | 92.29 | 2797.69 | 31279.18 |
| 42 | 2028-11 | 2889.98 | 84.71 | 2805.26 | 28473.91 |
| 43 | 2028-12 | 2889.98 | 77.12 | 2812.86 | 25661.05 |
| 44 | 2029-01 | 2889.98 | 69.50 | 2820.48 | 22840.57 |
| 45 | 2029-02 | 2889.98 | 61.86 | 2828.12 | 20012.46 |
| 46 | 2029-03 | 2889.98 | 54.20 | 2835.78 | 17176.68 |
| 47 | 2029-04 | 2889.98 | 46.52 | 2843.46 | 14333.22 |
| 48 | 2029-05 | 2889.98 | 38.82 | 2851.16 | 11482.06 |
| 49 | 2029-06 | 2889.98 | 31.10 | 2858.88 | 8623.18 |
| 50 | 2029-07 | 2889.98 | 23.35 | 2866.62 | 5756.56 |
| 51 | 2029-08 | 2889.98 | 15.59 | 2874.39 | 2882.17 |
| 52 | 2029-09 | 2889.98 | 7.81 | 2882.17 | 0.00 |
等额本金还款方式：
贷款总额：14万
还款月数：4年4个月
首月还款：3071.47元
每月递减：7.29元
利息总额：1万
本息合计：15万
节省利息：230.92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 | 3071.47 | 379.17 | 2692.31 | 137307.69 |
| 2 | 2025-07 | 3064.18 | 371.88 | 2692.31 | 134615.38 |
| 3 | 2025-08 | 3056.89 | 364.58 | 2692.31 | 131923.08 |
| 4 | 2025-09 | 3049.60 | 357.29 | 2692.31 | 129230.77 |
| 5 | 2025-10 | 3042.31 | 350.00 | 2692.31 | 126538.46 |
| 6 | 2025-11 | 3035.02 | 342.71 | 2692.31 | 123846.15 |
| 7 | 2025-12 | 3027.72 | 335.42 | 2692.31 | 121153.85 |
| 8 | 2026-01 | 3020.43 | 328.13 | 2692.31 | 118461.54 |
| 9 | 2026-02 | 3013.14 | 320.83 | 2692.31 | 115769.23 |
| 10 | 2026-03 | 3005.85 | 313.54 | 2692.31 | 113076.92 |
| 11 | 2026-04 | 2998.56 | 306.25 | 2692.31 | 110384.62 |
| 12 | 2026-05 | 2991.27 | 298.96 | 2692.31 | 107692.31 |
| 13 | 2026-06 | 2983.97 | 291.67 | 2692.31 | 105000.00 |
| 14 | 2026-07 | 2976.68 | 284.38 | 2692.31 | 102307.69 |
| 15 | 2026-08 | 2969.39 | 277.08 | 2692.31 | 99615.38 |
| 16 | 2026-09 | 2962.10 | 269.79 | 2692.31 | 96923.08 |
| 17 | 2026-10 | 2954.81 | 262.50 | 2692.31 | 94230.77 |
| 18 | 2026-11 | 2947.52 | 255.21 | 2692.31 | 91538.46 |
| 19 | 2026-12 | 2940.22 | 247.92 | 2692.31 | 88846.15 |
| 20 | 2027-01 | 2932.93 | 240.63 | 2692.31 | 86153.85 |
| 21 | 2027-02 | 2925.64 | 233.33 | 2692.31 | 83461.54 |
| 22 | 2027-03 | 2918.35 | 226.04 | 2692.31 | 80769.23 |
| 23 | 2027-04 | 2911.06 | 218.75 | 2692.31 | 78076.92 |
| 24 | 2027-05 | 2903.77 | 211.46 | 2692.31 | 75384.62 |
| 25 | 2027-06 | 2896.47 | 204.17 | 2692.31 | 72692.31 |
| 26 | 2027-07 | 2889.18 | 196.88 | 2692.31 | 70000.00 |
| 27 | 2027-08 | 2881.89 | 189.58 | 2692.31 | 67307.69 |
| 28 | 2027-09 | 2874.60 | 182.29 | 2692.31 | 64615.38 |
| 29 | 2027-10 | 2867.31 | 175.00 | 2692.31 | 61923.08 |
| 30 | 2027-11 | 2860.02 | 167.71 | 2692.31 | 59230.77 |
| 31 | 2027-12 | 2852.72 | 160.42 | 2692.31 | 56538.46 |
| 32 | 2028-01 | 2845.43 | 153.13 | 2692.31 | 53846.15 |
| 33 | 2028-02 | 2838.14 | 145.83 | 2692.31 | 51153.85 |
| 34 | 2028-03 | 2830.85 | 138.54 | 2692.31 | 48461.54 |
| 35 | 2028-04 | 2823.56 | 131.25 | 2692.31 | 45769.23 |
| 36 | 2028-05 | 2816.27 | 123.96 | 2692.31 | 43076.92 |
| 37 | 2028-06 | 2808.97 | 116.67 | 2692.31 | 40384.62 |
| 38 | 2028-07 | 2801.68 | 109.37 | 2692.31 | 37692.31 |
| 39 | 2028-08 | 2794.39 | 102.08 | 2692.31 | 35000.00 |
| 40 | 2028-09 | 2787.10 | 94.79 | 2692.31 | 32307.69 |
| 41 | 2028-10 | 2779.81 | 87.50 | 2692.31 | 29615.38 |
| 42 | 2028-11 | 2772.52 | 80.21 | 2692.31 | 26923.08 |
| 43 | 2028-12 | 2765.22 | 72.92 | 2692.31 | 24230.77 |
| 44 | 2029-01 | 2757.93 | 65.63 | 2692.31 | 21538.46 |
| 45 | 2029-02 | 2750.64 | 58.33 | 2692.31 | 18846.15 |
| 46 | 2029-03 | 2743.35 | 51.04 | 2692.31 | 16153.85 |
| 47 | 2029-04 | 2736.06 | 43.75 | 2692.31 | 13461.54 |
| 48 | 2029-05 | 2728.77 | 36.46 | 2692.31 | 10769.23 |
| 49 | 2029-06 | 2721.47 | 29.17 | 2692.31 | 8076.92 |
| 50 | 2029-07 | 2714.18 | 21.87 | 2692.31 | 5384.62 |
| 51 | 2029-08 | 2706.89 | 14.58 | 2692.31 | 2692.31 |
| 52 | 2029-09 | 2699.60 | 7.29 | 2692.31 | 0.00 |