贷款50万（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：50万
还款月数：4年
每月还款：11012元
利息总额：2.86万
本息合计：52.86万
| 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 | 11012.00 | 1145.83 | 9866.17 | 490133.83 |
| 2 | 2025-09 | 11012.00 | 1123.22 | 9888.78 | 480245.05 |
| 3 | 2025-10 | 11012.00 | 1100.56 | 9911.44 | 470333.61 |
| 4 | 2025-11 | 11012.00 | 1077.85 | 9934.16 | 460399.45 |
| 5 | 2025-12 | 11012.00 | 1055.08 | 9956.92 | 450442.53 |
| 6 | 2026-01 | 11012.00 | 1032.26 | 9979.74 | 440462.79 |
| 7 | 2026-02 | 11012.00 | 1009.39 | 10002.61 | 430460.18 |
| 8 | 2026-03 | 11012.00 | 986.47 | 10025.53 | 420434.65 |
| 9 | 2026-04 | 11012.00 | 963.50 | 10048.51 | 410386.14 |
| 10 | 2026-05 | 11012.00 | 940.47 | 10071.54 | 400314.60 |
| 11 | 2026-06 | 11012.00 | 917.39 | 10094.62 | 390219.99 |
| 12 | 2026-07 | 11012.00 | 894.25 | 10117.75 | 380102.24 |
| 13 | 2026-08 | 11012.00 | 871.07 | 10140.94 | 369961.30 |
| 14 | 2026-09 | 11012.00 | 847.83 | 10164.18 | 359797.12 |
| 15 | 2026-10 | 11012.00 | 824.54 | 10187.47 | 349609.66 |
| 16 | 2026-11 | 11012.00 | 801.19 | 10210.82 | 339398.84 |
| 17 | 2026-12 | 11012.00 | 777.79 | 10234.21 | 329164.63 |
| 18 | 2027-01 | 11012.00 | 754.34 | 10257.67 | 318906.96 |
| 19 | 2027-02 | 11012.00 | 730.83 | 10281.18 | 308625.78 |
| 20 | 2027-03 | 11012.00 | 707.27 | 10304.74 | 298321.05 |
| 21 | 2027-04 | 11012.00 | 683.65 | 10328.35 | 287992.69 |
| 22 | 2027-05 | 11012.00 | 659.98 | 10352.02 | 277640.67 |
| 23 | 2027-06 | 11012.00 | 636.26 | 10375.74 | 267264.93 |
| 24 | 2027-07 | 11012.00 | 612.48 | 10399.52 | 256865.41 |
| 25 | 2027-08 | 11012.00 | 588.65 | 10423.35 | 246442.05 |
| 26 | 2027-09 | 11012.00 | 564.76 | 10447.24 | 235994.81 |
| 27 | 2027-10 | 11012.00 | 540.82 | 10471.18 | 225523.63 |
| 28 | 2027-11 | 11012.00 | 516.82 | 10495.18 | 215028.45 |
| 29 | 2027-12 | 11012.00 | 492.77 | 10519.23 | 204509.22 |
| 30 | 2028-01 | 11012.00 | 468.67 | 10543.34 | 193965.88 |
| 31 | 2028-02 | 11012.00 | 444.51 | 10567.50 | 183398.39 |
| 32 | 2028-03 | 11012.00 | 420.29 | 10591.72 | 172806.67 |
| 33 | 2028-04 | 11012.00 | 396.02 | 10615.99 | 162190.68 |
| 34 | 2028-05 | 11012.00 | 371.69 | 10640.32 | 151550.36 |
| 35 | 2028-06 | 11012.00 | 347.30 | 10664.70 | 140885.66 |
| 36 | 2028-07 | 11012.00 | 322.86 | 10689.14 | 130196.52 |
| 37 | 2028-08 | 11012.00 | 298.37 | 10713.64 | 119482.89 |
| 38 | 2028-09 | 11012.00 | 273.81 | 10738.19 | 108744.70 |
| 39 | 2028-10 | 11012.00 | 249.21 | 10762.80 | 97981.90 |
| 40 | 2028-11 | 11012.00 | 224.54 | 10787.46 | 87194.44 |
| 41 | 2028-12 | 11012.00 | 199.82 | 10812.18 | 76382.25 |
| 42 | 2029-01 | 11012.00 | 175.04 | 10836.96 | 65545.29 |
| 43 | 2029-02 | 11012.00 | 150.21 | 10861.80 | 54683.50 |
| 44 | 2029-03 | 11012.00 | 125.32 | 10886.69 | 43796.81 |
| 45 | 2029-04 | 11012.00 | 100.37 | 10911.64 | 32885.17 |
| 46 | 2029-05 | 11012.00 | 75.36 | 10936.64 | 21948.53 |
| 47 | 2029-06 | 11012.00 | 50.30 | 10961.71 | 10986.83 |
| 48 | 2029-07 | 11012.00 | 25.18 | 10986.83 | 0.00 |
等额本金还款方式：
贷款总额：50万
还款月数：4年
首月还款：11562.5元
每月递减：23.87元
利息总额：2.81万
本息合计：52.81万
节省利息：503.27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 | 11562.50 | 1145.83 | 10416.67 | 489583.33 |
| 2 | 2025-09 | 11538.63 | 1121.96 | 10416.67 | 479166.67 |
| 3 | 2025-10 | 11514.76 | 1098.09 | 10416.67 | 468750.00 |
| 4 | 2025-11 | 11490.89 | 1074.22 | 10416.67 | 458333.33 |
| 5 | 2025-12 | 11467.01 | 1050.35 | 10416.67 | 447916.67 |
| 6 | 2026-01 | 11443.14 | 1026.48 | 10416.67 | 437500.00 |
| 7 | 2026-02 | 11419.27 | 1002.60 | 10416.67 | 427083.33 |
| 8 | 2026-03 | 11395.40 | 978.73 | 10416.67 | 416666.67 |
| 9 | 2026-04 | 11371.53 | 954.86 | 10416.67 | 406250.00 |
| 10 | 2026-05 | 11347.66 | 930.99 | 10416.67 | 395833.33 |
| 11 | 2026-06 | 11323.78 | 907.12 | 10416.67 | 385416.67 |
| 12 | 2026-07 | 11299.91 | 883.25 | 10416.67 | 375000.00 |
| 13 | 2026-08 | 11276.04 | 859.38 | 10416.67 | 364583.33 |
| 14 | 2026-09 | 11252.17 | 835.50 | 10416.67 | 354166.67 |
| 15 | 2026-10 | 11228.30 | 811.63 | 10416.67 | 343750.00 |
| 16 | 2026-11 | 11204.43 | 787.76 | 10416.67 | 333333.33 |
| 17 | 2026-12 | 11180.56 | 763.89 | 10416.67 | 322916.67 |
| 18 | 2027-01 | 11156.68 | 740.02 | 10416.67 | 312500.00 |
| 19 | 2027-02 | 11132.81 | 716.15 | 10416.67 | 302083.33 |
| 20 | 2027-03 | 11108.94 | 692.27 | 10416.67 | 291666.67 |
| 21 | 2027-04 | 11085.07 | 668.40 | 10416.67 | 281250.00 |
| 22 | 2027-05 | 11061.20 | 644.53 | 10416.67 | 270833.33 |
| 23 | 2027-06 | 11037.33 | 620.66 | 10416.67 | 260416.67 |
| 24 | 2027-07 | 11013.45 | 596.79 | 10416.67 | 250000.00 |
| 25 | 2027-08 | 10989.58 | 572.92 | 10416.67 | 239583.33 |
| 26 | 2027-09 | 10965.71 | 549.05 | 10416.67 | 229166.67 |
| 27 | 2027-10 | 10941.84 | 525.17 | 10416.67 | 218750.00 |
| 28 | 2027-11 | 10917.97 | 501.30 | 10416.67 | 208333.33 |
| 29 | 2027-12 | 10894.10 | 477.43 | 10416.67 | 197916.67 |
| 30 | 2028-01 | 10870.23 | 453.56 | 10416.67 | 187500.00 |
| 31 | 2028-02 | 10846.35 | 429.69 | 10416.67 | 177083.33 |
| 32 | 2028-03 | 10822.48 | 405.82 | 10416.67 | 166666.67 |
| 33 | 2028-04 | 10798.61 | 381.94 | 10416.67 | 156250.00 |
| 34 | 2028-05 | 10774.74 | 358.07 | 10416.67 | 145833.33 |
| 35 | 2028-06 | 10750.87 | 334.20 | 10416.67 | 135416.67 |
| 36 | 2028-07 | 10727.00 | 310.33 | 10416.67 | 125000.00 |
| 37 | 2028-08 | 10703.13 | 286.46 | 10416.67 | 114583.33 |
| 38 | 2028-09 | 10679.25 | 262.59 | 10416.67 | 104166.67 |
| 39 | 2028-10 | 10655.38 | 238.72 | 10416.67 | 93750.00 |
| 40 | 2028-11 | 10631.51 | 214.84 | 10416.67 | 83333.33 |
| 41 | 2028-12 | 10607.64 | 190.97 | 10416.67 | 72916.67 |
| 42 | 2029-01 | 10583.77 | 167.10 | 10416.67 | 62500.00 |
| 43 | 2029-02 | 10559.90 | 143.23 | 10416.67 | 52083.33 |
| 44 | 2029-03 | 10536.02 | 119.36 | 10416.67 | 41666.67 |
| 45 | 2029-04 | 10512.15 | 95.49 | 10416.67 | 31250.00 |
| 46 | 2029-05 | 10488.28 | 71.61 | 10416.67 | 20833.33 |
| 47 | 2029-06 | 10464.41 | 47.74 | 10416.67 | 10416.67 |
| 48 | 2029-07 | 10440.54 | 23.87 | 10416.67 | 0.00 |