贷款21万（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：21万
还款月数：4年
每月还款：4634.3元
利息总额：1.24万
本息合计：22.24万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-05 | 4634.30 | 498.75 | 4135.55 | 205864.45 |
| 2 | 2026-06 | 4634.30 | 488.93 | 4145.37 | 201719.08 |
| 3 | 2026-07 | 4634.30 | 479.08 | 4155.22 | 197563.86 |
| 4 | 2026-08 | 4634.30 | 469.21 | 4165.09 | 193398.78 |
| 5 | 2026-09 | 4634.30 | 459.32 | 4174.98 | 189223.80 |
| 6 | 2026-10 | 4634.30 | 449.41 | 4184.89 | 185038.91 |
| 7 | 2026-11 | 4634.30 | 439.47 | 4194.83 | 180844.07 |
| 8 | 2026-12 | 4634.30 | 429.50 | 4204.80 | 176639.28 |
| 9 | 2027-01 | 4634.30 | 419.52 | 4214.78 | 172424.50 |
| 10 | 2027-02 | 4634.30 | 409.51 | 4224.79 | 168199.70 |
| 11 | 2027-03 | 4634.30 | 399.47 | 4234.83 | 163964.88 |
| 12 | 2027-04 | 4634.30 | 389.42 | 4244.88 | 159720.00 |
| 13 | 2027-05 | 4634.30 | 379.33 | 4254.96 | 155465.03 |
| 14 | 2027-06 | 4634.30 | 369.23 | 4265.07 | 151199.96 |
| 15 | 2027-07 | 4634.30 | 359.10 | 4275.20 | 146924.76 |
| 16 | 2027-08 | 4634.30 | 348.95 | 4285.35 | 142639.41 |
| 17 | 2027-09 | 4634.30 | 338.77 | 4295.53 | 138343.88 |
| 18 | 2027-10 | 4634.30 | 328.57 | 4305.73 | 134038.14 |
| 19 | 2027-11 | 4634.30 | 318.34 | 4315.96 | 129722.18 |
| 20 | 2027-12 | 4634.30 | 308.09 | 4326.21 | 125395.97 |
| 21 | 2028-01 | 4634.30 | 297.82 | 4336.48 | 121059.49 |
| 22 | 2028-02 | 4634.30 | 287.52 | 4346.78 | 116712.71 |
| 23 | 2028-03 | 4634.30 | 277.19 | 4357.11 | 112355.60 |
| 24 | 2028-04 | 4634.30 | 266.84 | 4367.46 | 107988.14 |
| 25 | 2028-05 | 4634.30 | 256.47 | 4377.83 | 103610.32 |
| 26 | 2028-06 | 4634.30 | 246.07 | 4388.23 | 99222.09 |
| 27 | 2028-07 | 4634.30 | 235.65 | 4398.65 | 94823.44 |
| 28 | 2028-08 | 4634.30 | 225.21 | 4409.09 | 90414.35 |
| 29 | 2028-09 | 4634.30 | 214.73 | 4419.57 | 85994.78 |
| 30 | 2028-10 | 4634.30 | 204.24 | 4430.06 | 81564.72 |
| 31 | 2028-11 | 4634.30 | 193.72 | 4440.58 | 77124.14 |
| 32 | 2028-12 | 4634.30 | 183.17 | 4451.13 | 72673.01 |
| 33 | 2029-01 | 4634.30 | 172.60 | 4461.70 | 68211.31 |
| 34 | 2029-02 | 4634.30 | 162.00 | 4472.30 | 63739.01 |
| 35 | 2029-03 | 4634.30 | 151.38 | 4482.92 | 59256.09 |
| 36 | 2029-04 | 4634.30 | 140.73 | 4493.57 | 54762.52 |
| 37 | 2029-05 | 4634.30 | 130.06 | 4504.24 | 50258.29 |
| 38 | 2029-06 | 4634.30 | 119.36 | 4514.94 | 45743.35 |
| 39 | 2029-07 | 4634.30 | 108.64 | 4525.66 | 41217.69 |
| 40 | 2029-08 | 4634.30 | 97.89 | 4536.41 | 36681.28 |
| 41 | 2029-09 | 4634.30 | 87.12 | 4547.18 | 32134.10 |
| 42 | 2029-10 | 4634.30 | 76.32 | 4557.98 | 27576.12 |
| 43 | 2029-11 | 4634.30 | 65.49 | 4568.81 | 23007.31 |
| 44 | 2029-12 | 4634.30 | 54.64 | 4579.66 | 18427.65 |
| 45 | 2030-01 | 4634.30 | 43.77 | 4590.53 | 13837.12 |
| 46 | 2030-02 | 4634.30 | 32.86 | 4601.44 | 9235.68 |
| 47 | 2030-03 | 4634.30 | 21.93 | 4612.36 | 4623.32 |
| 48 | 2030-04 | 4634.30 | 10.98 | 4623.32 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：4年
首月还款：4873.75元
每月递减：10.39元
利息总额：1.22万
本息合计：22.22万
节省利息：227.01元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-05 | 4873.75 | 498.75 | 4375.00 | 205625.00 |
| 2 | 2026-06 | 4863.36 | 488.36 | 4375.00 | 201250.00 |
| 3 | 2026-07 | 4852.97 | 477.97 | 4375.00 | 196875.00 |
| 4 | 2026-08 | 4842.58 | 467.58 | 4375.00 | 192500.00 |
| 5 | 2026-09 | 4832.19 | 457.19 | 4375.00 | 188125.00 |
| 6 | 2026-10 | 4821.80 | 446.80 | 4375.00 | 183750.00 |
| 7 | 2026-11 | 4811.41 | 436.41 | 4375.00 | 179375.00 |
| 8 | 2026-12 | 4801.02 | 426.02 | 4375.00 | 175000.00 |
| 9 | 2027-01 | 4790.63 | 415.63 | 4375.00 | 170625.00 |
| 10 | 2027-02 | 4780.23 | 405.23 | 4375.00 | 166250.00 |
| 11 | 2027-03 | 4769.84 | 394.84 | 4375.00 | 161875.00 |
| 12 | 2027-04 | 4759.45 | 384.45 | 4375.00 | 157500.00 |
| 13 | 2027-05 | 4749.06 | 374.06 | 4375.00 | 153125.00 |
| 14 | 2027-06 | 4738.67 | 363.67 | 4375.00 | 148750.00 |
| 15 | 2027-07 | 4728.28 | 353.28 | 4375.00 | 144375.00 |
| 16 | 2027-08 | 4717.89 | 342.89 | 4375.00 | 140000.00 |
| 17 | 2027-09 | 4707.50 | 332.50 | 4375.00 | 135625.00 |
| 18 | 2027-10 | 4697.11 | 322.11 | 4375.00 | 131250.00 |
| 19 | 2027-11 | 4686.72 | 311.72 | 4375.00 | 126875.00 |
| 20 | 2027-12 | 4676.33 | 301.33 | 4375.00 | 122500.00 |
| 21 | 2028-01 | 4665.94 | 290.94 | 4375.00 | 118125.00 |
| 22 | 2028-02 | 4655.55 | 280.55 | 4375.00 | 113750.00 |
| 23 | 2028-03 | 4645.16 | 270.16 | 4375.00 | 109375.00 |
| 24 | 2028-04 | 4634.77 | 259.77 | 4375.00 | 105000.00 |
| 25 | 2028-05 | 4624.38 | 249.38 | 4375.00 | 100625.00 |
| 26 | 2028-06 | 4613.98 | 238.98 | 4375.00 | 96250.00 |
| 27 | 2028-07 | 4603.59 | 228.59 | 4375.00 | 91875.00 |
| 28 | 2028-08 | 4593.20 | 218.20 | 4375.00 | 87500.00 |
| 29 | 2028-09 | 4582.81 | 207.81 | 4375.00 | 83125.00 |
| 30 | 2028-10 | 4572.42 | 197.42 | 4375.00 | 78750.00 |
| 31 | 2028-11 | 4562.03 | 187.03 | 4375.00 | 74375.00 |
| 32 | 2028-12 | 4551.64 | 176.64 | 4375.00 | 70000.00 |
| 33 | 2029-01 | 4541.25 | 166.25 | 4375.00 | 65625.00 |
| 34 | 2029-02 | 4530.86 | 155.86 | 4375.00 | 61250.00 |
| 35 | 2029-03 | 4520.47 | 145.47 | 4375.00 | 56875.00 |
| 36 | 2029-04 | 4510.08 | 135.08 | 4375.00 | 52500.00 |
| 37 | 2029-05 | 4499.69 | 124.69 | 4375.00 | 48125.00 |
| 38 | 2029-06 | 4489.30 | 114.30 | 4375.00 | 43750.00 |
| 39 | 2029-07 | 4478.91 | 103.91 | 4375.00 | 39375.00 |
| 40 | 2029-08 | 4468.52 | 93.52 | 4375.00 | 35000.00 |
| 41 | 2029-09 | 4458.13 | 83.13 | 4375.00 | 30625.00 |
| 42 | 2029-10 | 4447.73 | 72.73 | 4375.00 | 26250.00 |
| 43 | 2029-11 | 4437.34 | 62.34 | 4375.00 | 21875.00 |
| 44 | 2029-12 | 4426.95 | 51.95 | 4375.00 | 17500.00 |
| 45 | 2030-01 | 4416.56 | 41.56 | 4375.00 | 13125.00 |
| 46 | 2030-02 | 4406.17 | 31.17 | 4375.00 | 8750.00 |
| 47 | 2030-03 | 4395.78 | 20.78 | 4375.00 | 4375.00 |
| 48 | 2030-04 | 4385.39 | 10.39 | 4375.00 | 0.00 |