石家庄贷款14万（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：14万
还款月数：4年
每月还款：3043.43元
利息总额：6084.7元
本息合计：14.61万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 3043.43 | 245.00 | 2798.43 | 137201.57 |
| 2 | 2025-09 | 3043.43 | 240.10 | 2803.33 | 134398.24 |
| 3 | 2025-10 | 3043.43 | 235.20 | 2808.23 | 131590.01 |
| 4 | 2025-11 | 3043.43 | 230.28 | 2813.15 | 128776.86 |
| 5 | 2025-12 | 3043.43 | 225.36 | 2818.07 | 125958.79 |
| 6 | 2026-01 | 3043.43 | 220.43 | 2823.00 | 123135.78 |
| 7 | 2026-02 | 3043.43 | 215.49 | 2827.94 | 120307.84 |
| 8 | 2026-03 | 3043.43 | 210.54 | 2832.89 | 117474.95 |
| 9 | 2026-04 | 3043.43 | 205.58 | 2837.85 | 114637.10 |
| 10 | 2026-05 | 3043.43 | 200.61 | 2842.82 | 111794.28 |
| 11 | 2026-06 | 3043.43 | 195.64 | 2847.79 | 108946.49 |
| 12 | 2026-07 | 3043.43 | 190.66 | 2852.77 | 106093.71 |
| 13 | 2026-08 | 3043.43 | 185.66 | 2857.77 | 103235.95 |
| 14 | 2026-09 | 3043.43 | 180.66 | 2862.77 | 100373.18 |
| 15 | 2026-10 | 3043.43 | 175.65 | 2867.78 | 97505.40 |
| 16 | 2026-11 | 3043.43 | 170.63 | 2872.80 | 94632.60 |
| 17 | 2026-12 | 3043.43 | 165.61 | 2877.82 | 91754.78 |
| 18 | 2027-01 | 3043.43 | 160.57 | 2882.86 | 88871.92 |
| 19 | 2027-02 | 3043.43 | 155.53 | 2887.91 | 85984.01 |
| 20 | 2027-03 | 3043.43 | 150.47 | 2892.96 | 83091.05 |
| 21 | 2027-04 | 3043.43 | 145.41 | 2898.02 | 80193.03 |
| 22 | 2027-05 | 3043.43 | 140.34 | 2903.09 | 77289.94 |
| 23 | 2027-06 | 3043.43 | 135.26 | 2908.17 | 74381.76 |
| 24 | 2027-07 | 3043.43 | 130.17 | 2913.26 | 71468.50 |
| 25 | 2027-08 | 3043.43 | 125.07 | 2918.36 | 68550.14 |
| 26 | 2027-09 | 3043.43 | 119.96 | 2923.47 | 65626.67 |
| 27 | 2027-10 | 3043.43 | 114.85 | 2928.58 | 62698.09 |
| 28 | 2027-11 | 3043.43 | 109.72 | 2933.71 | 59764.38 |
| 29 | 2027-12 | 3043.43 | 104.59 | 2938.84 | 56825.53 |
| 30 | 2028-01 | 3043.43 | 99.44 | 2943.99 | 53881.55 |
| 31 | 2028-02 | 3043.43 | 94.29 | 2949.14 | 50932.41 |
| 32 | 2028-03 | 3043.43 | 89.13 | 2954.30 | 47978.11 |
| 33 | 2028-04 | 3043.43 | 83.96 | 2959.47 | 45018.64 |
| 34 | 2028-05 | 3043.43 | 78.78 | 2964.65 | 42053.99 |
| 35 | 2028-06 | 3043.43 | 73.59 | 2969.84 | 39084.15 |
| 36 | 2028-07 | 3043.43 | 68.40 | 2975.03 | 36109.12 |
| 37 | 2028-08 | 3043.43 | 63.19 | 2980.24 | 33128.88 |
| 38 | 2028-09 | 3043.43 | 57.98 | 2985.46 | 30143.42 |
| 39 | 2028-10 | 3043.43 | 52.75 | 2990.68 | 27152.74 |
| 40 | 2028-11 | 3043.43 | 47.52 | 2995.91 | 24156.83 |
| 41 | 2028-12 | 3043.43 | 42.27 | 3001.16 | 21155.67 |
| 42 | 2029-01 | 3043.43 | 37.02 | 3006.41 | 18149.26 |
| 43 | 2029-02 | 3043.43 | 31.76 | 3011.67 | 15137.59 |
| 44 | 2029-03 | 3043.43 | 26.49 | 3016.94 | 12120.65 |
| 45 | 2029-04 | 3043.43 | 21.21 | 3022.22 | 9098.43 |
| 46 | 2029-05 | 3043.43 | 15.92 | 3027.51 | 6070.92 |
| 47 | 2029-06 | 3043.43 | 10.62 | 3032.81 | 3038.11 |
| 48 | 2029-07 | 3043.43 | 5.32 | 3038.11 | 0.00 |
等额本金还款方式：
贷款总额：14万
还款月数：4年
首月还款：3161.67元
每月递减：5.1元
利息总额：6002.5元
本息合计：14.6万
节省利息：82.2元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 3161.67 | 245.00 | 2916.67 | 137083.33 |
| 2 | 2025-09 | 3156.56 | 239.90 | 2916.67 | 134166.67 |
| 3 | 2025-10 | 3151.46 | 234.79 | 2916.67 | 131250.00 |
| 4 | 2025-11 | 3146.35 | 229.69 | 2916.67 | 128333.33 |
| 5 | 2025-12 | 3141.25 | 224.58 | 2916.67 | 125416.67 |
| 6 | 2026-01 | 3136.15 | 219.48 | 2916.67 | 122500.00 |
| 7 | 2026-02 | 3131.04 | 214.38 | 2916.67 | 119583.33 |
| 8 | 2026-03 | 3125.94 | 209.27 | 2916.67 | 116666.67 |
| 9 | 2026-04 | 3120.83 | 204.17 | 2916.67 | 113750.00 |
| 10 | 2026-05 | 3115.73 | 199.06 | 2916.67 | 110833.33 |
| 11 | 2026-06 | 3110.63 | 193.96 | 2916.67 | 107916.67 |
| 12 | 2026-07 | 3105.52 | 188.85 | 2916.67 | 105000.00 |
| 13 | 2026-08 | 3100.42 | 183.75 | 2916.67 | 102083.33 |
| 14 | 2026-09 | 3095.31 | 178.65 | 2916.67 | 99166.67 |
| 15 | 2026-10 | 3090.21 | 173.54 | 2916.67 | 96250.00 |
| 16 | 2026-11 | 3085.10 | 168.44 | 2916.67 | 93333.33 |
| 17 | 2026-12 | 3080.00 | 163.33 | 2916.67 | 90416.67 |
| 18 | 2027-01 | 3074.90 | 158.23 | 2916.67 | 87500.00 |
| 19 | 2027-02 | 3069.79 | 153.13 | 2916.67 | 84583.33 |
| 20 | 2027-03 | 3064.69 | 148.02 | 2916.67 | 81666.67 |
| 21 | 2027-04 | 3059.58 | 142.92 | 2916.67 | 78750.00 |
| 22 | 2027-05 | 3054.48 | 137.81 | 2916.67 | 75833.33 |
| 23 | 2027-06 | 3049.38 | 132.71 | 2916.67 | 72916.67 |
| 24 | 2027-07 | 3044.27 | 127.60 | 2916.67 | 70000.00 |
| 25 | 2027-08 | 3039.17 | 122.50 | 2916.67 | 67083.33 |
| 26 | 2027-09 | 3034.06 | 117.40 | 2916.67 | 64166.67 |
| 27 | 2027-10 | 3028.96 | 112.29 | 2916.67 | 61250.00 |
| 28 | 2027-11 | 3023.85 | 107.19 | 2916.67 | 58333.33 |
| 29 | 2027-12 | 3018.75 | 102.08 | 2916.67 | 55416.67 |
| 30 | 2028-01 | 3013.65 | 96.98 | 2916.67 | 52500.00 |
| 31 | 2028-02 | 3008.54 | 91.88 | 2916.67 | 49583.33 |
| 32 | 2028-03 | 3003.44 | 86.77 | 2916.67 | 46666.67 |
| 33 | 2028-04 | 2998.33 | 81.67 | 2916.67 | 43750.00 |
| 34 | 2028-05 | 2993.23 | 76.56 | 2916.67 | 40833.33 |
| 35 | 2028-06 | 2988.13 | 71.46 | 2916.67 | 37916.67 |
| 36 | 2028-07 | 2983.02 | 66.35 | 2916.67 | 35000.00 |
| 37 | 2028-08 | 2977.92 | 61.25 | 2916.67 | 32083.33 |
| 38 | 2028-09 | 2972.81 | 56.15 | 2916.67 | 29166.67 |
| 39 | 2028-10 | 2967.71 | 51.04 | 2916.67 | 26250.00 |
| 40 | 2028-11 | 2962.60 | 45.94 | 2916.67 | 23333.33 |
| 41 | 2028-12 | 2957.50 | 40.83 | 2916.67 | 20416.67 |
| 42 | 2029-01 | 2952.40 | 35.73 | 2916.67 | 17500.00 |
| 43 | 2029-02 | 2947.29 | 30.63 | 2916.67 | 14583.33 |
| 44 | 2029-03 | 2942.19 | 25.52 | 2916.67 | 11666.67 |
| 45 | 2029-04 | 2937.08 | 20.42 | 2916.67 | 8750.00 |
| 46 | 2029-05 | 2931.98 | 15.31 | 2916.67 | 5833.33 |
| 47 | 2029-06 | 2926.88 | 10.21 | 2916.67 | 2916.67 |
| 48 | 2029-07 | 2921.77 | 5.10 | 2916.67 | 0.00 |