贷款2.13万（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：2.13万
还款月数：4年
每月还款：468.95元
利息总额：1259.46元
本息合计：2.25万
| 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 | 468.95 | 50.47 | 418.48 | 20831.52 |
| 2 | 2025-09 | 468.95 | 49.47 | 419.47 | 20412.05 |
| 3 | 2025-10 | 468.95 | 48.48 | 420.47 | 19991.58 |
| 4 | 2025-11 | 468.95 | 47.48 | 421.47 | 19570.11 |
| 5 | 2025-12 | 468.95 | 46.48 | 422.47 | 19147.65 |
| 6 | 2026-01 | 468.95 | 45.48 | 423.47 | 18724.17 |
| 7 | 2026-02 | 468.95 | 44.47 | 424.48 | 18299.70 |
| 8 | 2026-03 | 468.95 | 43.46 | 425.49 | 17874.21 |
| 9 | 2026-04 | 468.95 | 42.45 | 426.50 | 17447.72 |
| 10 | 2026-05 | 468.95 | 41.44 | 427.51 | 17020.21 |
| 11 | 2026-06 | 468.95 | 40.42 | 428.52 | 16591.68 |
| 12 | 2026-07 | 468.95 | 39.41 | 429.54 | 16162.14 |
| 13 | 2026-08 | 468.95 | 38.39 | 430.56 | 15731.58 |
| 14 | 2026-09 | 468.95 | 37.36 | 431.58 | 15300.00 |
| 15 | 2026-10 | 468.95 | 36.34 | 432.61 | 14867.39 |
| 16 | 2026-11 | 468.95 | 35.31 | 433.64 | 14433.75 |
| 17 | 2026-12 | 468.95 | 34.28 | 434.67 | 13999.08 |
| 18 | 2027-01 | 468.95 | 33.25 | 435.70 | 13563.38 |
| 19 | 2027-02 | 468.95 | 32.21 | 436.73 | 13126.65 |
| 20 | 2027-03 | 468.95 | 31.18 | 437.77 | 12688.88 |
| 21 | 2027-04 | 468.95 | 30.14 | 438.81 | 12250.07 |
| 22 | 2027-05 | 468.95 | 29.09 | 439.85 | 11810.21 |
| 23 | 2027-06 | 468.95 | 28.05 | 440.90 | 11369.32 |
| 24 | 2027-07 | 468.95 | 27.00 | 441.94 | 10927.37 |
| 25 | 2027-08 | 468.95 | 25.95 | 442.99 | 10484.38 |
| 26 | 2027-09 | 468.95 | 24.90 | 444.05 | 10040.33 |
| 27 | 2027-10 | 468.95 | 23.85 | 445.10 | 9595.23 |
| 28 | 2027-11 | 468.95 | 22.79 | 446.16 | 9149.07 |
| 29 | 2027-12 | 468.95 | 21.73 | 447.22 | 8701.85 |
| 30 | 2028-01 | 468.95 | 20.67 | 448.28 | 8253.57 |
| 31 | 2028-02 | 468.95 | 19.60 | 449.34 | 7804.23 |
| 32 | 2028-03 | 468.95 | 18.54 | 450.41 | 7353.82 |
| 33 | 2028-04 | 468.95 | 17.47 | 451.48 | 6902.33 |
| 34 | 2028-05 | 468.95 | 16.39 | 452.55 | 6449.78 |
| 35 | 2028-06 | 468.95 | 15.32 | 453.63 | 5996.15 |
| 36 | 2028-07 | 468.95 | 14.24 | 454.71 | 5541.45 |
| 37 | 2028-08 | 468.95 | 13.16 | 455.79 | 5085.66 |
| 38 | 2028-09 | 468.95 | 12.08 | 456.87 | 4628.79 |
| 39 | 2028-10 | 468.95 | 10.99 | 457.95 | 4170.84 |
| 40 | 2028-11 | 468.95 | 9.91 | 459.04 | 3711.80 |
| 41 | 2028-12 | 468.95 | 8.82 | 460.13 | 3251.66 |
| 42 | 2029-01 | 468.95 | 7.72 | 461.22 | 2790.44 |
| 43 | 2029-02 | 468.95 | 6.63 | 462.32 | 2328.12 |
| 44 | 2029-03 | 468.95 | 5.53 | 463.42 | 1864.70 |
| 45 | 2029-04 | 468.95 | 4.43 | 464.52 | 1400.18 |
| 46 | 2029-05 | 468.95 | 3.33 | 465.62 | 934.56 |
| 47 | 2029-06 | 468.95 | 2.22 | 466.73 | 467.84 |
| 48 | 2029-07 | 468.95 | 1.11 | 467.84 | 0.00 |
等额本金还款方式：
贷款总额：2.13万
还款月数：4年
首月还款：493.18元
每月递减：1.05元
利息总额：1236.48元
本息合计：2.25万
节省利息：22.97元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 493.18 | 50.47 | 442.71 | 20807.29 |
| 2 | 2025-09 | 492.13 | 49.42 | 442.71 | 20364.58 |
| 3 | 2025-10 | 491.07 | 48.37 | 442.71 | 19921.88 |
| 4 | 2025-11 | 490.02 | 47.31 | 442.71 | 19479.17 |
| 5 | 2025-12 | 488.97 | 46.26 | 442.71 | 19036.46 |
| 6 | 2026-01 | 487.92 | 45.21 | 442.71 | 18593.75 |
| 7 | 2026-02 | 486.87 | 44.16 | 442.71 | 18151.04 |
| 8 | 2026-03 | 485.82 | 43.11 | 442.71 | 17708.33 |
| 9 | 2026-04 | 484.77 | 42.06 | 442.71 | 17265.63 |
| 10 | 2026-05 | 483.71 | 41.01 | 442.71 | 16822.92 |
| 11 | 2026-06 | 482.66 | 39.95 | 442.71 | 16380.21 |
| 12 | 2026-07 | 481.61 | 38.90 | 442.71 | 15937.50 |
| 13 | 2026-08 | 480.56 | 37.85 | 442.71 | 15494.79 |
| 14 | 2026-09 | 479.51 | 36.80 | 442.71 | 15052.08 |
| 15 | 2026-10 | 478.46 | 35.75 | 442.71 | 14609.38 |
| 16 | 2026-11 | 477.41 | 34.70 | 442.71 | 14166.67 |
| 17 | 2026-12 | 476.35 | 33.65 | 442.71 | 13723.96 |
| 18 | 2027-01 | 475.30 | 32.59 | 442.71 | 13281.25 |
| 19 | 2027-02 | 474.25 | 31.54 | 442.71 | 12838.54 |
| 20 | 2027-03 | 473.20 | 30.49 | 442.71 | 12395.83 |
| 21 | 2027-04 | 472.15 | 29.44 | 442.71 | 11953.13 |
| 22 | 2027-05 | 471.10 | 28.39 | 442.71 | 11510.42 |
| 23 | 2027-06 | 470.05 | 27.34 | 442.71 | 11067.71 |
| 24 | 2027-07 | 468.99 | 26.29 | 442.71 | 10625.00 |
| 25 | 2027-08 | 467.94 | 25.23 | 442.71 | 10182.29 |
| 26 | 2027-09 | 466.89 | 24.18 | 442.71 | 9739.58 |
| 27 | 2027-10 | 465.84 | 23.13 | 442.71 | 9296.88 |
| 28 | 2027-11 | 464.79 | 22.08 | 442.71 | 8854.17 |
| 29 | 2027-12 | 463.74 | 21.03 | 442.71 | 8411.46 |
| 30 | 2028-01 | 462.69 | 19.98 | 442.71 | 7968.75 |
| 31 | 2028-02 | 461.63 | 18.93 | 442.71 | 7526.04 |
| 32 | 2028-03 | 460.58 | 17.87 | 442.71 | 7083.33 |
| 33 | 2028-04 | 459.53 | 16.82 | 442.71 | 6640.63 |
| 34 | 2028-05 | 458.48 | 15.77 | 442.71 | 6197.92 |
| 35 | 2028-06 | 457.43 | 14.72 | 442.71 | 5755.21 |
| 36 | 2028-07 | 456.38 | 13.67 | 442.71 | 5312.50 |
| 37 | 2028-08 | 455.33 | 12.62 | 442.71 | 4869.79 |
| 38 | 2028-09 | 454.27 | 11.57 | 442.71 | 4427.08 |
| 39 | 2028-10 | 453.22 | 10.51 | 442.71 | 3984.38 |
| 40 | 2028-11 | 452.17 | 9.46 | 442.71 | 3541.67 |
| 41 | 2028-12 | 451.12 | 8.41 | 442.71 | 3098.96 |
| 42 | 2029-01 | 450.07 | 7.36 | 442.71 | 2656.25 |
| 43 | 2029-02 | 449.02 | 6.31 | 442.71 | 2213.54 |
| 44 | 2029-03 | 447.97 | 5.26 | 442.71 | 1770.83 |
| 45 | 2029-04 | 446.91 | 4.21 | 442.71 | 1328.13 |
| 46 | 2029-05 | 445.86 | 3.15 | 442.71 | 885.42 |
| 47 | 2029-06 | 444.81 | 2.10 | 442.71 | 442.71 |
| 48 | 2029-07 | 443.76 | 1.05 | 442.71 | 0.00 |