淄博贷款42万（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：42万
还款月数：4年
每月还款：9130.29元
利息总额：1.83万
本息合计：43.83万
| 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 | 9130.29 | 735.00 | 8395.29 | 411604.71 |
| 2 | 2025-07 | 9130.29 | 720.31 | 8409.99 | 403194.72 |
| 3 | 2025-08 | 9130.29 | 705.59 | 8424.70 | 394770.02 |
| 4 | 2025-09 | 9130.29 | 690.85 | 8439.45 | 386330.57 |
| 5 | 2025-10 | 9130.29 | 676.08 | 8454.22 | 377876.36 |
| 6 | 2025-11 | 9130.29 | 661.28 | 8469.01 | 369407.35 |
| 7 | 2025-12 | 9130.29 | 646.46 | 8483.83 | 360923.51 |
| 8 | 2026-01 | 9130.29 | 631.62 | 8498.68 | 352424.84 |
| 9 | 2026-02 | 9130.29 | 616.74 | 8513.55 | 343911.29 |
| 10 | 2026-03 | 9130.29 | 601.84 | 8528.45 | 335382.84 |
| 11 | 2026-04 | 9130.29 | 586.92 | 8543.37 | 326839.46 |
| 12 | 2026-05 | 9130.29 | 571.97 | 8558.32 | 318281.14 |
| 13 | 2026-06 | 9130.29 | 556.99 | 8573.30 | 309707.84 |
| 14 | 2026-07 | 9130.29 | 541.99 | 8588.31 | 301119.53 |
| 15 | 2026-08 | 9130.29 | 526.96 | 8603.33 | 292516.20 |
| 16 | 2026-09 | 9130.29 | 511.90 | 8618.39 | 283897.81 |
| 17 | 2026-10 | 9130.29 | 496.82 | 8633.47 | 275264.33 |
| 18 | 2026-11 | 9130.29 | 481.71 | 8648.58 | 266615.75 |
| 19 | 2026-12 | 9130.29 | 466.58 | 8663.72 | 257952.03 |
| 20 | 2027-01 | 9130.29 | 451.42 | 8678.88 | 249273.16 |
| 21 | 2027-02 | 9130.29 | 436.23 | 8694.07 | 240579.09 |
| 22 | 2027-03 | 9130.29 | 421.01 | 8709.28 | 231869.81 |
| 23 | 2027-04 | 9130.29 | 405.77 | 8724.52 | 223145.29 |
| 24 | 2027-05 | 9130.29 | 390.50 | 8739.79 | 214405.50 |
| 25 | 2027-06 | 9130.29 | 375.21 | 8755.08 | 205650.41 |
| 26 | 2027-07 | 9130.29 | 359.89 | 8770.41 | 196880.01 |
| 27 | 2027-08 | 9130.29 | 344.54 | 8785.75 | 188094.26 |
| 28 | 2027-09 | 9130.29 | 329.16 | 8801.13 | 179293.13 |
| 29 | 2027-10 | 9130.29 | 313.76 | 8816.53 | 170476.60 |
| 30 | 2027-11 | 9130.29 | 298.33 | 8831.96 | 161644.64 |
| 31 | 2027-12 | 9130.29 | 282.88 | 8847.42 | 152797.22 |
| 32 | 2028-01 | 9130.29 | 267.40 | 8862.90 | 143934.32 |
| 33 | 2028-02 | 9130.29 | 251.89 | 8878.41 | 135055.91 |
| 34 | 2028-03 | 9130.29 | 236.35 | 8893.95 | 126161.97 |
| 35 | 2028-04 | 9130.29 | 220.78 | 8909.51 | 117252.46 |
| 36 | 2028-05 | 9130.29 | 205.19 | 8925.10 | 108327.35 |
| 37 | 2028-06 | 9130.29 | 189.57 | 8940.72 | 99386.63 |
| 38 | 2028-07 | 9130.29 | 173.93 | 8956.37 | 90430.27 |
| 39 | 2028-08 | 9130.29 | 158.25 | 8972.04 | 81458.22 |
| 40 | 2028-09 | 9130.29 | 142.55 | 8987.74 | 72470.48 |
| 41 | 2028-10 | 9130.29 | 126.82 | 9003.47 | 63467.01 |
| 42 | 2028-11 | 9130.29 | 111.07 | 9019.23 | 54447.78 |
| 43 | 2028-12 | 9130.29 | 95.28 | 9035.01 | 45412.77 |
| 44 | 2029-01 | 9130.29 | 79.47 | 9050.82 | 36361.95 |
| 45 | 2029-02 | 9130.29 | 63.63 | 9066.66 | 27295.29 |
| 46 | 2029-03 | 9130.29 | 47.77 | 9082.53 | 18212.77 |
| 47 | 2029-04 | 9130.29 | 31.87 | 9098.42 | 9114.34 |
| 48 | 2029-05 | 9130.29 | 15.95 | 9114.34 | 0.00 |
等额本金还款方式：
贷款总额：42万
还款月数：4年
首月还款：9485元
每月递减：15.31元
利息总额：1.8万
本息合计：43.8万
节省利息：246.61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 | 9485.00 | 735.00 | 8750.00 | 411250.00 |
| 2 | 2025-07 | 9469.69 | 719.69 | 8750.00 | 402500.00 |
| 3 | 2025-08 | 9454.38 | 704.38 | 8750.00 | 393750.00 |
| 4 | 2025-09 | 9439.06 | 689.06 | 8750.00 | 385000.00 |
| 5 | 2025-10 | 9423.75 | 673.75 | 8750.00 | 376250.00 |
| 6 | 2025-11 | 9408.44 | 658.44 | 8750.00 | 367500.00 |
| 7 | 2025-12 | 9393.13 | 643.13 | 8750.00 | 358750.00 |
| 8 | 2026-01 | 9377.81 | 627.81 | 8750.00 | 350000.00 |
| 9 | 2026-02 | 9362.50 | 612.50 | 8750.00 | 341250.00 |
| 10 | 2026-03 | 9347.19 | 597.19 | 8750.00 | 332500.00 |
| 11 | 2026-04 | 9331.88 | 581.88 | 8750.00 | 323750.00 |
| 12 | 2026-05 | 9316.56 | 566.56 | 8750.00 | 315000.00 |
| 13 | 2026-06 | 9301.25 | 551.25 | 8750.00 | 306250.00 |
| 14 | 2026-07 | 9285.94 | 535.94 | 8750.00 | 297500.00 |
| 15 | 2026-08 | 9270.63 | 520.63 | 8750.00 | 288750.00 |
| 16 | 2026-09 | 9255.31 | 505.31 | 8750.00 | 280000.00 |
| 17 | 2026-10 | 9240.00 | 490.00 | 8750.00 | 271250.00 |
| 18 | 2026-11 | 9224.69 | 474.69 | 8750.00 | 262500.00 |
| 19 | 2026-12 | 9209.38 | 459.38 | 8750.00 | 253750.00 |
| 20 | 2027-01 | 9194.06 | 444.06 | 8750.00 | 245000.00 |
| 21 | 2027-02 | 9178.75 | 428.75 | 8750.00 | 236250.00 |
| 22 | 2027-03 | 9163.44 | 413.44 | 8750.00 | 227500.00 |
| 23 | 2027-04 | 9148.13 | 398.13 | 8750.00 | 218750.00 |
| 24 | 2027-05 | 9132.81 | 382.81 | 8750.00 | 210000.00 |
| 25 | 2027-06 | 9117.50 | 367.50 | 8750.00 | 201250.00 |
| 26 | 2027-07 | 9102.19 | 352.19 | 8750.00 | 192500.00 |
| 27 | 2027-08 | 9086.88 | 336.88 | 8750.00 | 183750.00 |
| 28 | 2027-09 | 9071.56 | 321.56 | 8750.00 | 175000.00 |
| 29 | 2027-10 | 9056.25 | 306.25 | 8750.00 | 166250.00 |
| 30 | 2027-11 | 9040.94 | 290.94 | 8750.00 | 157500.00 |
| 31 | 2027-12 | 9025.63 | 275.63 | 8750.00 | 148750.00 |
| 32 | 2028-01 | 9010.31 | 260.31 | 8750.00 | 140000.00 |
| 33 | 2028-02 | 8995.00 | 245.00 | 8750.00 | 131250.00 |
| 34 | 2028-03 | 8979.69 | 229.69 | 8750.00 | 122500.00 |
| 35 | 2028-04 | 8964.38 | 214.38 | 8750.00 | 113750.00 |
| 36 | 2028-05 | 8949.06 | 199.06 | 8750.00 | 105000.00 |
| 37 | 2028-06 | 8933.75 | 183.75 | 8750.00 | 96250.00 |
| 38 | 2028-07 | 8918.44 | 168.44 | 8750.00 | 87500.00 |
| 39 | 2028-08 | 8903.13 | 153.13 | 8750.00 | 78750.00 |
| 40 | 2028-09 | 8887.81 | 137.81 | 8750.00 | 70000.00 |
| 41 | 2028-10 | 8872.50 | 122.50 | 8750.00 | 61250.00 |
| 42 | 2028-11 | 8857.19 | 107.19 | 8750.00 | 52500.00 |
| 43 | 2028-12 | 8841.88 | 91.88 | 8750.00 | 43750.00 |
| 44 | 2029-01 | 8826.56 | 76.56 | 8750.00 | 35000.00 |
| 45 | 2029-02 | 8811.25 | 61.25 | 8750.00 | 26250.00 |
| 46 | 2029-03 | 8795.94 | 45.94 | 8750.00 | 17500.00 |
| 47 | 2029-04 | 8780.63 | 30.63 | 8750.00 | 8750.00 |
| 48 | 2029-05 | 8765.31 | 15.31 | 8750.00 | 0.00 |