上海贷款8.6万（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：8.6万
还款月数：4年
每月还款：1897.86元
利息总额：5097.09元
本息合计：9.11万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 1897.86 | 204.25 | 1693.61 | 84306.39 |
| 2 | 2025-11 | 1897.86 | 200.23 | 1697.63 | 82608.77 |
| 3 | 2025-12 | 1897.86 | 196.20 | 1701.66 | 80907.11 |
| 4 | 2026-01 | 1897.86 | 192.15 | 1705.70 | 79201.40 |
| 5 | 2026-02 | 1897.86 | 188.10 | 1709.75 | 77491.65 |
| 6 | 2026-03 | 1897.86 | 184.04 | 1713.81 | 75777.84 |
| 7 | 2026-04 | 1897.86 | 179.97 | 1717.88 | 74059.95 |
| 8 | 2026-05 | 1897.86 | 175.89 | 1721.96 | 72337.99 |
| 9 | 2026-06 | 1897.86 | 171.80 | 1726.05 | 70611.94 |
| 10 | 2026-07 | 1897.86 | 167.70 | 1730.15 | 68881.78 |
| 11 | 2026-08 | 1897.86 | 163.59 | 1734.26 | 67147.52 |
| 12 | 2026-09 | 1897.86 | 159.48 | 1738.38 | 65409.14 |
| 13 | 2026-10 | 1897.86 | 155.35 | 1742.51 | 63666.63 |
| 14 | 2026-11 | 1897.86 | 151.21 | 1746.65 | 61919.98 |
| 15 | 2026-12 | 1897.86 | 147.06 | 1750.80 | 60169.19 |
| 16 | 2027-01 | 1897.86 | 142.90 | 1754.95 | 58414.23 |
| 17 | 2027-02 | 1897.86 | 138.73 | 1759.12 | 56655.11 |
| 18 | 2027-03 | 1897.86 | 134.56 | 1763.30 | 54891.81 |
| 19 | 2027-04 | 1897.86 | 130.37 | 1767.49 | 53124.32 |
| 20 | 2027-05 | 1897.86 | 126.17 | 1771.69 | 51352.64 |
| 21 | 2027-06 | 1897.86 | 121.96 | 1775.89 | 49576.74 |
| 22 | 2027-07 | 1897.86 | 117.74 | 1780.11 | 47796.63 |
| 23 | 2027-08 | 1897.86 | 113.52 | 1784.34 | 46012.29 |
| 24 | 2027-09 | 1897.86 | 109.28 | 1788.58 | 44223.72 |
| 25 | 2027-10 | 1897.86 | 105.03 | 1792.82 | 42430.89 |
| 26 | 2027-11 | 1897.86 | 100.77 | 1797.08 | 40633.81 |
| 27 | 2027-12 | 1897.86 | 96.51 | 1801.35 | 38832.46 |
| 28 | 2028-01 | 1897.86 | 92.23 | 1805.63 | 37026.83 |
| 29 | 2028-02 | 1897.86 | 87.94 | 1809.92 | 35216.91 |
| 30 | 2028-03 | 1897.86 | 83.64 | 1814.22 | 33402.70 |
| 31 | 2028-04 | 1897.86 | 79.33 | 1818.52 | 31584.17 |
| 32 | 2028-05 | 1897.86 | 75.01 | 1822.84 | 29761.33 |
| 33 | 2028-06 | 1897.86 | 70.68 | 1827.17 | 27934.15 |
| 34 | 2028-07 | 1897.86 | 66.34 | 1831.51 | 26102.64 |
| 35 | 2028-08 | 1897.86 | 61.99 | 1835.86 | 24266.78 |
| 36 | 2028-09 | 1897.86 | 57.63 | 1840.22 | 22426.56 |
| 37 | 2028-10 | 1897.86 | 53.26 | 1844.59 | 20581.96 |
| 38 | 2028-11 | 1897.86 | 48.88 | 1848.97 | 18732.99 |
| 39 | 2028-12 | 1897.86 | 44.49 | 1853.37 | 16879.63 |
| 40 | 2029-01 | 1897.86 | 40.09 | 1857.77 | 15021.86 |
| 41 | 2029-02 | 1897.86 | 35.68 | 1862.18 | 13159.68 |
| 42 | 2029-03 | 1897.86 | 31.25 | 1866.60 | 11293.08 |
| 43 | 2029-04 | 1897.86 | 26.82 | 1871.04 | 9422.04 |
| 44 | 2029-05 | 1897.86 | 22.38 | 1875.48 | 7546.56 |
| 45 | 2029-06 | 1897.86 | 17.92 | 1879.93 | 5666.63 |
| 46 | 2029-07 | 1897.86 | 13.46 | 1884.40 | 3782.23 |
| 47 | 2029-08 | 1897.86 | 8.98 | 1888.87 | 1893.36 |
| 48 | 2029-09 | 1897.86 | 4.50 | 1893.36 | 0.00 |
等额本金还款方式：
贷款总额：8.6万
还款月数：4年
首月还款：1995.92元
每月递减：4.26元
利息总额：5004.13元
本息合计：9.1万
节省利息：92.97元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 1995.92 | 204.25 | 1791.67 | 84208.33 |
| 2 | 2025-11 | 1991.66 | 199.99 | 1791.67 | 82416.67 |
| 3 | 2025-12 | 1987.41 | 195.74 | 1791.67 | 80625.00 |
| 4 | 2026-01 | 1983.15 | 191.48 | 1791.67 | 78833.33 |
| 5 | 2026-02 | 1978.90 | 187.23 | 1791.67 | 77041.67 |
| 6 | 2026-03 | 1974.64 | 182.97 | 1791.67 | 75250.00 |
| 7 | 2026-04 | 1970.39 | 178.72 | 1791.67 | 73458.33 |
| 8 | 2026-05 | 1966.13 | 174.46 | 1791.67 | 71666.67 |
| 9 | 2026-06 | 1961.88 | 170.21 | 1791.67 | 69875.00 |
| 10 | 2026-07 | 1957.62 | 165.95 | 1791.67 | 68083.33 |
| 11 | 2026-08 | 1953.36 | 161.70 | 1791.67 | 66291.67 |
| 12 | 2026-09 | 1949.11 | 157.44 | 1791.67 | 64500.00 |
| 13 | 2026-10 | 1944.85 | 153.19 | 1791.67 | 62708.33 |
| 14 | 2026-11 | 1940.60 | 148.93 | 1791.67 | 60916.67 |
| 15 | 2026-12 | 1936.34 | 144.68 | 1791.67 | 59125.00 |
| 16 | 2027-01 | 1932.09 | 140.42 | 1791.67 | 57333.33 |
| 17 | 2027-02 | 1927.83 | 136.17 | 1791.67 | 55541.67 |
| 18 | 2027-03 | 1923.58 | 131.91 | 1791.67 | 53750.00 |
| 19 | 2027-04 | 1919.32 | 127.66 | 1791.67 | 51958.33 |
| 20 | 2027-05 | 1915.07 | 123.40 | 1791.67 | 50166.67 |
| 21 | 2027-06 | 1910.81 | 119.15 | 1791.67 | 48375.00 |
| 22 | 2027-07 | 1906.56 | 114.89 | 1791.67 | 46583.33 |
| 23 | 2027-08 | 1902.30 | 110.64 | 1791.67 | 44791.67 |
| 24 | 2027-09 | 1898.05 | 106.38 | 1791.67 | 43000.00 |
| 25 | 2027-10 | 1893.79 | 102.13 | 1791.67 | 41208.33 |
| 26 | 2027-11 | 1889.54 | 97.87 | 1791.67 | 39416.67 |
| 27 | 2027-12 | 1885.28 | 93.61 | 1791.67 | 37625.00 |
| 28 | 2028-01 | 1881.03 | 89.36 | 1791.67 | 35833.33 |
| 29 | 2028-02 | 1876.77 | 85.10 | 1791.67 | 34041.67 |
| 30 | 2028-03 | 1872.52 | 80.85 | 1791.67 | 32250.00 |
| 31 | 2028-04 | 1868.26 | 76.59 | 1791.67 | 30458.33 |
| 32 | 2028-05 | 1864.01 | 72.34 | 1791.67 | 28666.67 |
| 33 | 2028-06 | 1859.75 | 68.08 | 1791.67 | 26875.00 |
| 34 | 2028-07 | 1855.49 | 63.83 | 1791.67 | 25083.33 |
| 35 | 2028-08 | 1851.24 | 59.57 | 1791.67 | 23291.67 |
| 36 | 2028-09 | 1846.98 | 55.32 | 1791.67 | 21500.00 |
| 37 | 2028-10 | 1842.73 | 51.06 | 1791.67 | 19708.33 |
| 38 | 2028-11 | 1838.47 | 46.81 | 1791.67 | 17916.67 |
| 39 | 2028-12 | 1834.22 | 42.55 | 1791.67 | 16125.00 |
| 40 | 2029-01 | 1829.96 | 38.30 | 1791.67 | 14333.33 |
| 41 | 2029-02 | 1825.71 | 34.04 | 1791.67 | 12541.67 |
| 42 | 2029-03 | 1821.45 | 29.79 | 1791.67 | 10750.00 |
| 43 | 2029-04 | 1817.20 | 25.53 | 1791.67 | 8958.33 |
| 44 | 2029-05 | 1812.94 | 21.28 | 1791.67 | 7166.67 |
| 45 | 2029-06 | 1808.69 | 17.02 | 1791.67 | 5375.00 |
| 46 | 2029-07 | 1804.43 | 12.77 | 1791.67 | 3583.33 |
| 47 | 2029-08 | 1800.18 | 8.51 | 1791.67 | 1791.67 |
| 48 | 2029-09 | 1795.92 | 4.26 | 1791.67 | 0.00 |