南京贷款30万（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：30万
还款月数：4年
每月还款：6673.5元
利息总额：2.03万
本息合计：32.03万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-08 | 6673.50 | 812.50 | 5861.00 | 294139.00 |
| 2 | 2026-09 | 6673.50 | 796.63 | 5876.87 | 288262.13 |
| 3 | 2026-10 | 6673.50 | 780.71 | 5892.79 | 282369.34 |
| 4 | 2026-11 | 6673.50 | 764.75 | 5908.75 | 276460.60 |
| 5 | 2026-12 | 6673.50 | 748.75 | 5924.75 | 270535.85 |
| 6 | 2027-01 | 6673.50 | 732.70 | 5940.80 | 264595.05 |
| 7 | 2027-02 | 6673.50 | 716.61 | 5956.89 | 258638.16 |
| 8 | 2027-03 | 6673.50 | 700.48 | 5973.02 | 252665.15 |
| 9 | 2027-04 | 6673.50 | 684.30 | 5989.20 | 246675.95 |
| 10 | 2027-05 | 6673.50 | 668.08 | 6005.42 | 240670.53 |
| 11 | 2027-06 | 6673.50 | 651.82 | 6021.68 | 234648.85 |
| 12 | 2027-07 | 6673.50 | 635.51 | 6037.99 | 228610.86 |
| 13 | 2027-08 | 6673.50 | 619.15 | 6054.34 | 222556.52 |
| 14 | 2027-09 | 6673.50 | 602.76 | 6070.74 | 216485.78 |
| 15 | 2027-10 | 6673.50 | 586.32 | 6087.18 | 210398.60 |
| 16 | 2027-11 | 6673.50 | 569.83 | 6103.67 | 204294.93 |
| 17 | 2027-12 | 6673.50 | 553.30 | 6120.20 | 198174.73 |
| 18 | 2028-01 | 6673.50 | 536.72 | 6136.77 | 192037.96 |
| 19 | 2028-02 | 6673.50 | 520.10 | 6153.39 | 185884.56 |
| 20 | 2028-03 | 6673.50 | 503.44 | 6170.06 | 179714.50 |
| 21 | 2028-04 | 6673.50 | 486.73 | 6186.77 | 173527.73 |
| 22 | 2028-05 | 6673.50 | 469.97 | 6203.53 | 167324.20 |
| 23 | 2028-06 | 6673.50 | 453.17 | 6220.33 | 161103.88 |
| 24 | 2028-07 | 6673.50 | 436.32 | 6237.17 | 154866.70 |
| 25 | 2028-08 | 6673.50 | 419.43 | 6254.07 | 148612.63 |
| 26 | 2028-09 | 6673.50 | 402.49 | 6271.00 | 142341.63 |
| 27 | 2028-10 | 6673.50 | 385.51 | 6287.99 | 136053.64 |
| 28 | 2028-11 | 6673.50 | 368.48 | 6305.02 | 129748.62 |
| 29 | 2028-12 | 6673.50 | 351.40 | 6322.09 | 123426.53 |
| 30 | 2029-01 | 6673.50 | 334.28 | 6339.22 | 117087.31 |
| 31 | 2029-02 | 6673.50 | 317.11 | 6356.39 | 110730.92 |
| 32 | 2029-03 | 6673.50 | 299.90 | 6373.60 | 104357.32 |
| 33 | 2029-04 | 6673.50 | 282.63 | 6390.86 | 97966.46 |
| 34 | 2029-05 | 6673.50 | 265.33 | 6408.17 | 91558.29 |
| 35 | 2029-06 | 6673.50 | 247.97 | 6425.53 | 85132.76 |
| 36 | 2029-07 | 6673.50 | 230.57 | 6442.93 | 78689.83 |
| 37 | 2029-08 | 6673.50 | 213.12 | 6460.38 | 72229.45 |
| 38 | 2029-09 | 6673.50 | 195.62 | 6477.88 | 65751.58 |
| 39 | 2029-10 | 6673.50 | 178.08 | 6495.42 | 59256.16 |
| 40 | 2029-11 | 6673.50 | 160.49 | 6513.01 | 52743.14 |
| 41 | 2029-12 | 6673.50 | 142.85 | 6530.65 | 46212.49 |
| 42 | 2030-01 | 6673.50 | 125.16 | 6548.34 | 39664.15 |
| 43 | 2030-02 | 6673.50 | 107.42 | 6566.07 | 33098.08 |
| 44 | 2030-03 | 6673.50 | 89.64 | 6583.86 | 26514.22 |
| 45 | 2030-04 | 6673.50 | 71.81 | 6601.69 | 19912.54 |
| 46 | 2030-05 | 6673.50 | 53.93 | 6619.57 | 13292.97 |
| 47 | 2030-06 | 6673.50 | 36.00 | 6637.50 | 6655.47 |
| 48 | 2030-07 | 6673.50 | 18.03 | 6655.47 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：4年
首月还款：7062.5元
每月递减：16.93元
利息总额：1.99万
本息合计：31.99万
节省利息：421.63元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-08 | 7062.50 | 812.50 | 6250.00 | 293750.00 |
| 2 | 2026-09 | 7045.57 | 795.57 | 6250.00 | 287500.00 |
| 3 | 2026-10 | 7028.65 | 778.65 | 6250.00 | 281250.00 |
| 4 | 2026-11 | 7011.72 | 761.72 | 6250.00 | 275000.00 |
| 5 | 2026-12 | 6994.79 | 744.79 | 6250.00 | 268750.00 |
| 6 | 2027-01 | 6977.86 | 727.86 | 6250.00 | 262500.00 |
| 7 | 2027-02 | 6960.94 | 710.94 | 6250.00 | 256250.00 |
| 8 | 2027-03 | 6944.01 | 694.01 | 6250.00 | 250000.00 |
| 9 | 2027-04 | 6927.08 | 677.08 | 6250.00 | 243750.00 |
| 10 | 2027-05 | 6910.16 | 660.16 | 6250.00 | 237500.00 |
| 11 | 2027-06 | 6893.23 | 643.23 | 6250.00 | 231250.00 |
| 12 | 2027-07 | 6876.30 | 626.30 | 6250.00 | 225000.00 |
| 13 | 2027-08 | 6859.38 | 609.38 | 6250.00 | 218750.00 |
| 14 | 2027-09 | 6842.45 | 592.45 | 6250.00 | 212500.00 |
| 15 | 2027-10 | 6825.52 | 575.52 | 6250.00 | 206250.00 |
| 16 | 2027-11 | 6808.59 | 558.59 | 6250.00 | 200000.00 |
| 17 | 2027-12 | 6791.67 | 541.67 | 6250.00 | 193750.00 |
| 18 | 2028-01 | 6774.74 | 524.74 | 6250.00 | 187500.00 |
| 19 | 2028-02 | 6757.81 | 507.81 | 6250.00 | 181250.00 |
| 20 | 2028-03 | 6740.89 | 490.89 | 6250.00 | 175000.00 |
| 21 | 2028-04 | 6723.96 | 473.96 | 6250.00 | 168750.00 |
| 22 | 2028-05 | 6707.03 | 457.03 | 6250.00 | 162500.00 |
| 23 | 2028-06 | 6690.10 | 440.10 | 6250.00 | 156250.00 |
| 24 | 2028-07 | 6673.18 | 423.18 | 6250.00 | 150000.00 |
| 25 | 2028-08 | 6656.25 | 406.25 | 6250.00 | 143750.00 |
| 26 | 2028-09 | 6639.32 | 389.32 | 6250.00 | 137500.00 |
| 27 | 2028-10 | 6622.40 | 372.40 | 6250.00 | 131250.00 |
| 28 | 2028-11 | 6605.47 | 355.47 | 6250.00 | 125000.00 |
| 29 | 2028-12 | 6588.54 | 338.54 | 6250.00 | 118750.00 |
| 30 | 2029-01 | 6571.61 | 321.61 | 6250.00 | 112500.00 |
| 31 | 2029-02 | 6554.69 | 304.69 | 6250.00 | 106250.00 |
| 32 | 2029-03 | 6537.76 | 287.76 | 6250.00 | 100000.00 |
| 33 | 2029-04 | 6520.83 | 270.83 | 6250.00 | 93750.00 |
| 34 | 2029-05 | 6503.91 | 253.91 | 6250.00 | 87500.00 |
| 35 | 2029-06 | 6486.98 | 236.98 | 6250.00 | 81250.00 |
| 36 | 2029-07 | 6470.05 | 220.05 | 6250.00 | 75000.00 |
| 37 | 2029-08 | 6453.13 | 203.13 | 6250.00 | 68750.00 |
| 38 | 2029-09 | 6436.20 | 186.20 | 6250.00 | 62500.00 |
| 39 | 2029-10 | 6419.27 | 169.27 | 6250.00 | 56250.00 |
| 40 | 2029-11 | 6402.34 | 152.34 | 6250.00 | 50000.00 |
| 41 | 2029-12 | 6385.42 | 135.42 | 6250.00 | 43750.00 |
| 42 | 2030-01 | 6368.49 | 118.49 | 6250.00 | 37500.00 |
| 43 | 2030-02 | 6351.56 | 101.56 | 6250.00 | 31250.00 |
| 44 | 2030-03 | 6334.64 | 84.64 | 6250.00 | 25000.00 |
| 45 | 2030-04 | 6317.71 | 67.71 | 6250.00 | 18750.00 |
| 46 | 2030-05 | 6300.78 | 50.78 | 6250.00 | 12500.00 |
| 47 | 2030-06 | 6283.85 | 33.85 | 6250.00 | 6250.00 |
| 48 | 2030-07 | 6266.93 | 16.93 | 6250.00 | 0.00 |