大连贷款15万（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：15万
还款月数：4年
每月还款：3293.7元
利息总额：8097.47元
本息合计：15.81万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 3293.70 | 325.00 | 2968.70 | 147031.30 |
| 2 | 2026-02 | 3293.70 | 318.57 | 2975.13 | 144056.17 |
| 3 | 2026-03 | 3293.70 | 312.12 | 2981.58 | 141074.60 |
| 4 | 2026-04 | 3293.70 | 305.66 | 2988.04 | 138086.56 |
| 5 | 2026-05 | 3293.70 | 299.19 | 2994.51 | 135092.05 |
| 6 | 2026-06 | 3293.70 | 292.70 | 3001.00 | 132091.05 |
| 7 | 2026-07 | 3293.70 | 286.20 | 3007.50 | 129083.55 |
| 8 | 2026-08 | 3293.70 | 279.68 | 3014.02 | 126069.54 |
| 9 | 2026-09 | 3293.70 | 273.15 | 3020.55 | 123048.99 |
| 10 | 2026-10 | 3293.70 | 266.61 | 3027.09 | 120021.90 |
| 11 | 2026-11 | 3293.70 | 260.05 | 3033.65 | 116988.25 |
| 12 | 2026-12 | 3293.70 | 253.47 | 3040.22 | 113948.03 |
| 13 | 2027-01 | 3293.70 | 246.89 | 3046.81 | 110901.22 |
| 14 | 2027-02 | 3293.70 | 240.29 | 3053.41 | 107847.81 |
| 15 | 2027-03 | 3293.70 | 233.67 | 3060.03 | 104787.78 |
| 16 | 2027-04 | 3293.70 | 227.04 | 3066.66 | 101721.12 |
| 17 | 2027-05 | 3293.70 | 220.40 | 3073.30 | 98647.82 |
| 18 | 2027-06 | 3293.70 | 213.74 | 3079.96 | 95567.86 |
| 19 | 2027-07 | 3293.70 | 207.06 | 3086.63 | 92481.23 |
| 20 | 2027-08 | 3293.70 | 200.38 | 3093.32 | 89387.91 |
| 21 | 2027-09 | 3293.70 | 193.67 | 3100.02 | 86287.88 |
| 22 | 2027-10 | 3293.70 | 186.96 | 3106.74 | 83181.14 |
| 23 | 2027-11 | 3293.70 | 180.23 | 3113.47 | 80067.67 |
| 24 | 2027-12 | 3293.70 | 173.48 | 3120.22 | 76947.45 |
| 25 | 2028-01 | 3293.70 | 166.72 | 3126.98 | 73820.47 |
| 26 | 2028-02 | 3293.70 | 159.94 | 3133.75 | 70686.72 |
| 27 | 2028-03 | 3293.70 | 153.15 | 3140.54 | 67546.18 |
| 28 | 2028-04 | 3293.70 | 146.35 | 3147.35 | 64398.83 |
| 29 | 2028-05 | 3293.70 | 139.53 | 3154.17 | 61244.67 |
| 30 | 2028-06 | 3293.70 | 132.70 | 3161.00 | 58083.66 |
| 31 | 2028-07 | 3293.70 | 125.85 | 3167.85 | 54915.82 |
| 32 | 2028-08 | 3293.70 | 118.98 | 3174.71 | 51741.10 |
| 33 | 2028-09 | 3293.70 | 112.11 | 3181.59 | 48559.51 |
| 34 | 2028-10 | 3293.70 | 105.21 | 3188.49 | 45371.03 |
| 35 | 2028-11 | 3293.70 | 98.30 | 3195.39 | 42175.63 |
| 36 | 2028-12 | 3293.70 | 91.38 | 3202.32 | 38973.32 |
| 37 | 2029-01 | 3293.70 | 84.44 | 3209.26 | 35764.06 |
| 38 | 2029-02 | 3293.70 | 77.49 | 3216.21 | 32547.85 |
| 39 | 2029-03 | 3293.70 | 70.52 | 3223.18 | 29324.68 |
| 40 | 2029-04 | 3293.70 | 63.54 | 3230.16 | 26094.51 |
| 41 | 2029-05 | 3293.70 | 56.54 | 3237.16 | 22857.36 |
| 42 | 2029-06 | 3293.70 | 49.52 | 3244.17 | 19613.18 |
| 43 | 2029-07 | 3293.70 | 42.50 | 3251.20 | 16361.98 |
| 44 | 2029-08 | 3293.70 | 35.45 | 3258.25 | 13103.73 |
| 45 | 2029-09 | 3293.70 | 28.39 | 3265.31 | 9838.43 |
| 46 | 2029-10 | 3293.70 | 21.32 | 3272.38 | 6566.05 |
| 47 | 2029-11 | 3293.70 | 14.23 | 3279.47 | 3286.58 |
| 48 | 2029-12 | 3293.70 | 7.12 | 3286.58 | 0.00 |
等额本金还款方式：
贷款总额：15万
还款月数：4年
首月还款：3450元
每月递减：6.77元
利息总额：7962.5元
本息合计：15.8万
节省利息：134.97元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 3450.00 | 325.00 | 3125.00 | 146875.00 |
| 2 | 2026-02 | 3443.23 | 318.23 | 3125.00 | 143750.00 |
| 3 | 2026-03 | 3436.46 | 311.46 | 3125.00 | 140625.00 |
| 4 | 2026-04 | 3429.69 | 304.69 | 3125.00 | 137500.00 |
| 5 | 2026-05 | 3422.92 | 297.92 | 3125.00 | 134375.00 |
| 6 | 2026-06 | 3416.15 | 291.15 | 3125.00 | 131250.00 |
| 7 | 2026-07 | 3409.38 | 284.38 | 3125.00 | 128125.00 |
| 8 | 2026-08 | 3402.60 | 277.60 | 3125.00 | 125000.00 |
| 9 | 2026-09 | 3395.83 | 270.83 | 3125.00 | 121875.00 |
| 10 | 2026-10 | 3389.06 | 264.06 | 3125.00 | 118750.00 |
| 11 | 2026-11 | 3382.29 | 257.29 | 3125.00 | 115625.00 |
| 12 | 2026-12 | 3375.52 | 250.52 | 3125.00 | 112500.00 |
| 13 | 2027-01 | 3368.75 | 243.75 | 3125.00 | 109375.00 |
| 14 | 2027-02 | 3361.98 | 236.98 | 3125.00 | 106250.00 |
| 15 | 2027-03 | 3355.21 | 230.21 | 3125.00 | 103125.00 |
| 16 | 2027-04 | 3348.44 | 223.44 | 3125.00 | 100000.00 |
| 17 | 2027-05 | 3341.67 | 216.67 | 3125.00 | 96875.00 |
| 18 | 2027-06 | 3334.90 | 209.90 | 3125.00 | 93750.00 |
| 19 | 2027-07 | 3328.13 | 203.13 | 3125.00 | 90625.00 |
| 20 | 2027-08 | 3321.35 | 196.35 | 3125.00 | 87500.00 |
| 21 | 2027-09 | 3314.58 | 189.58 | 3125.00 | 84375.00 |
| 22 | 2027-10 | 3307.81 | 182.81 | 3125.00 | 81250.00 |
| 23 | 2027-11 | 3301.04 | 176.04 | 3125.00 | 78125.00 |
| 24 | 2027-12 | 3294.27 | 169.27 | 3125.00 | 75000.00 |
| 25 | 2028-01 | 3287.50 | 162.50 | 3125.00 | 71875.00 |
| 26 | 2028-02 | 3280.73 | 155.73 | 3125.00 | 68750.00 |
| 27 | 2028-03 | 3273.96 | 148.96 | 3125.00 | 65625.00 |
| 28 | 2028-04 | 3267.19 | 142.19 | 3125.00 | 62500.00 |
| 29 | 2028-05 | 3260.42 | 135.42 | 3125.00 | 59375.00 |
| 30 | 2028-06 | 3253.65 | 128.65 | 3125.00 | 56250.00 |
| 31 | 2028-07 | 3246.88 | 121.88 | 3125.00 | 53125.00 |
| 32 | 2028-08 | 3240.10 | 115.10 | 3125.00 | 50000.00 |
| 33 | 2028-09 | 3233.33 | 108.33 | 3125.00 | 46875.00 |
| 34 | 2028-10 | 3226.56 | 101.56 | 3125.00 | 43750.00 |
| 35 | 2028-11 | 3219.79 | 94.79 | 3125.00 | 40625.00 |
| 36 | 2028-12 | 3213.02 | 88.02 | 3125.00 | 37500.00 |
| 37 | 2029-01 | 3206.25 | 81.25 | 3125.00 | 34375.00 |
| 38 | 2029-02 | 3199.48 | 74.48 | 3125.00 | 31250.00 |
| 39 | 2029-03 | 3192.71 | 67.71 | 3125.00 | 28125.00 |
| 40 | 2029-04 | 3185.94 | 60.94 | 3125.00 | 25000.00 |
| 41 | 2029-05 | 3179.17 | 54.17 | 3125.00 | 21875.00 |
| 42 | 2029-06 | 3172.40 | 47.40 | 3125.00 | 18750.00 |
| 43 | 2029-07 | 3165.63 | 40.63 | 3125.00 | 15625.00 |
| 44 | 2029-08 | 3158.85 | 33.85 | 3125.00 | 12500.00 |
| 45 | 2029-09 | 3152.08 | 27.08 | 3125.00 | 9375.00 |
| 46 | 2029-10 | 3145.31 | 20.31 | 3125.00 | 6250.00 |
| 47 | 2029-11 | 3138.54 | 13.54 | 3125.00 | 3125.00 |
| 48 | 2029-12 | 3131.77 | 6.77 | 3125.00 | 0.00 |