贷款7万（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：7万
还款月数：4年
每月还款：1557.15元
利息总额：4743.17元
本息合计：7.47万
| 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 | 1557.15 | 189.58 | 1367.57 | 68632.43 |
| 2 | 2025-09 | 1557.15 | 185.88 | 1371.27 | 67261.16 |
| 3 | 2025-10 | 1557.15 | 182.17 | 1374.98 | 65886.18 |
| 4 | 2025-11 | 1557.15 | 178.44 | 1378.71 | 64507.47 |
| 5 | 2025-12 | 1557.15 | 174.71 | 1382.44 | 63125.03 |
| 6 | 2026-01 | 1557.15 | 170.96 | 1386.19 | 61738.85 |
| 7 | 2026-02 | 1557.15 | 167.21 | 1389.94 | 60348.91 |
| 8 | 2026-03 | 1557.15 | 163.44 | 1393.70 | 58955.20 |
| 9 | 2026-04 | 1557.15 | 159.67 | 1397.48 | 57557.72 |
| 10 | 2026-05 | 1557.15 | 155.89 | 1401.26 | 56156.46 |
| 11 | 2026-06 | 1557.15 | 152.09 | 1405.06 | 54751.40 |
| 12 | 2026-07 | 1557.15 | 148.29 | 1408.86 | 53342.53 |
| 13 | 2026-08 | 1557.15 | 144.47 | 1412.68 | 51929.85 |
| 14 | 2026-09 | 1557.15 | 140.64 | 1416.51 | 50513.35 |
| 15 | 2026-10 | 1557.15 | 136.81 | 1420.34 | 49093.01 |
| 16 | 2026-11 | 1557.15 | 132.96 | 1424.19 | 47668.82 |
| 17 | 2026-12 | 1557.15 | 129.10 | 1428.05 | 46240.77 |
| 18 | 2027-01 | 1557.15 | 125.24 | 1431.91 | 44808.86 |
| 19 | 2027-02 | 1557.15 | 121.36 | 1435.79 | 43373.06 |
| 20 | 2027-03 | 1557.15 | 117.47 | 1439.68 | 41933.38 |
| 21 | 2027-04 | 1557.15 | 113.57 | 1443.58 | 40489.80 |
| 22 | 2027-05 | 1557.15 | 109.66 | 1447.49 | 39042.31 |
| 23 | 2027-06 | 1557.15 | 105.74 | 1451.41 | 37590.90 |
| 24 | 2027-07 | 1557.15 | 101.81 | 1455.34 | 36135.56 |
| 25 | 2027-08 | 1557.15 | 97.87 | 1459.28 | 34676.28 |
| 26 | 2027-09 | 1557.15 | 93.91 | 1463.23 | 33213.05 |
| 27 | 2027-10 | 1557.15 | 89.95 | 1467.20 | 31745.85 |
| 28 | 2027-11 | 1557.15 | 85.98 | 1471.17 | 30274.68 |
| 29 | 2027-12 | 1557.15 | 81.99 | 1475.16 | 28799.52 |
| 30 | 2028-01 | 1557.15 | 78.00 | 1479.15 | 27320.37 |
| 31 | 2028-02 | 1557.15 | 73.99 | 1483.16 | 25837.22 |
| 32 | 2028-03 | 1557.15 | 69.98 | 1487.17 | 24350.04 |
| 33 | 2028-04 | 1557.15 | 65.95 | 1491.20 | 22858.84 |
| 34 | 2028-05 | 1557.15 | 61.91 | 1495.24 | 21363.60 |
| 35 | 2028-06 | 1557.15 | 57.86 | 1499.29 | 19864.31 |
| 36 | 2028-07 | 1557.15 | 53.80 | 1503.35 | 18360.96 |
| 37 | 2028-08 | 1557.15 | 49.73 | 1507.42 | 16853.54 |
| 38 | 2028-09 | 1557.15 | 45.65 | 1511.50 | 15342.03 |
| 39 | 2028-10 | 1557.15 | 41.55 | 1515.60 | 13826.44 |
| 40 | 2028-11 | 1557.15 | 37.45 | 1519.70 | 12306.73 |
| 41 | 2028-12 | 1557.15 | 33.33 | 1523.82 | 10782.91 |
| 42 | 2029-01 | 1557.15 | 29.20 | 1527.95 | 9254.97 |
| 43 | 2029-02 | 1557.15 | 25.07 | 1532.08 | 7722.89 |
| 44 | 2029-03 | 1557.15 | 20.92 | 1536.23 | 6186.65 |
| 45 | 2029-04 | 1557.15 | 16.76 | 1540.39 | 4646.26 |
| 46 | 2029-05 | 1557.15 | 12.58 | 1544.57 | 3101.69 |
| 47 | 2029-06 | 1557.15 | 8.40 | 1548.75 | 1552.94 |
| 48 | 2029-07 | 1557.15 | 4.21 | 1552.94 | 0.00 |
等额本金还款方式：
贷款总额：7万
还款月数：4年
首月还款：1647.92元
每月递减：3.95元
利息总额：4644.79元
本息合计：7.46万
节省利息：98.38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 | 1647.92 | 189.58 | 1458.33 | 68541.67 |
| 2 | 2025-09 | 1643.97 | 185.63 | 1458.33 | 67083.33 |
| 3 | 2025-10 | 1640.02 | 181.68 | 1458.33 | 65625.00 |
| 4 | 2025-11 | 1636.07 | 177.73 | 1458.33 | 64166.67 |
| 5 | 2025-12 | 1632.12 | 173.78 | 1458.33 | 62708.33 |
| 6 | 2026-01 | 1628.17 | 169.84 | 1458.33 | 61250.00 |
| 7 | 2026-02 | 1624.22 | 165.89 | 1458.33 | 59791.67 |
| 8 | 2026-03 | 1620.27 | 161.94 | 1458.33 | 58333.33 |
| 9 | 2026-04 | 1616.32 | 157.99 | 1458.33 | 56875.00 |
| 10 | 2026-05 | 1612.37 | 154.04 | 1458.33 | 55416.67 |
| 11 | 2026-06 | 1608.42 | 150.09 | 1458.33 | 53958.33 |
| 12 | 2026-07 | 1604.47 | 146.14 | 1458.33 | 52500.00 |
| 13 | 2026-08 | 1600.52 | 142.19 | 1458.33 | 51041.67 |
| 14 | 2026-09 | 1596.57 | 138.24 | 1458.33 | 49583.33 |
| 15 | 2026-10 | 1592.62 | 134.29 | 1458.33 | 48125.00 |
| 16 | 2026-11 | 1588.67 | 130.34 | 1458.33 | 46666.67 |
| 17 | 2026-12 | 1584.72 | 126.39 | 1458.33 | 45208.33 |
| 18 | 2027-01 | 1580.77 | 122.44 | 1458.33 | 43750.00 |
| 19 | 2027-02 | 1576.82 | 118.49 | 1458.33 | 42291.67 |
| 20 | 2027-03 | 1572.87 | 114.54 | 1458.33 | 40833.33 |
| 21 | 2027-04 | 1568.92 | 110.59 | 1458.33 | 39375.00 |
| 22 | 2027-05 | 1564.97 | 106.64 | 1458.33 | 37916.67 |
| 23 | 2027-06 | 1561.02 | 102.69 | 1458.33 | 36458.33 |
| 24 | 2027-07 | 1557.07 | 98.74 | 1458.33 | 35000.00 |
| 25 | 2027-08 | 1553.13 | 94.79 | 1458.33 | 33541.67 |
| 26 | 2027-09 | 1549.18 | 90.84 | 1458.33 | 32083.33 |
| 27 | 2027-10 | 1545.23 | 86.89 | 1458.33 | 30625.00 |
| 28 | 2027-11 | 1541.28 | 82.94 | 1458.33 | 29166.67 |
| 29 | 2027-12 | 1537.33 | 78.99 | 1458.33 | 27708.33 |
| 30 | 2028-01 | 1533.38 | 75.04 | 1458.33 | 26250.00 |
| 31 | 2028-02 | 1529.43 | 71.09 | 1458.33 | 24791.67 |
| 32 | 2028-03 | 1525.48 | 67.14 | 1458.33 | 23333.33 |
| 33 | 2028-04 | 1521.53 | 63.19 | 1458.33 | 21875.00 |
| 34 | 2028-05 | 1517.58 | 59.24 | 1458.33 | 20416.67 |
| 35 | 2028-06 | 1513.63 | 55.30 | 1458.33 | 18958.33 |
| 36 | 2028-07 | 1509.68 | 51.35 | 1458.33 | 17500.00 |
| 37 | 2028-08 | 1505.73 | 47.40 | 1458.33 | 16041.67 |
| 38 | 2028-09 | 1501.78 | 43.45 | 1458.33 | 14583.33 |
| 39 | 2028-10 | 1497.83 | 39.50 | 1458.33 | 13125.00 |
| 40 | 2028-11 | 1493.88 | 35.55 | 1458.33 | 11666.67 |
| 41 | 2028-12 | 1489.93 | 31.60 | 1458.33 | 10208.33 |
| 42 | 2029-01 | 1485.98 | 27.65 | 1458.33 | 8750.00 |
| 43 | 2029-02 | 1482.03 | 23.70 | 1458.33 | 7291.67 |
| 44 | 2029-03 | 1478.08 | 19.75 | 1458.33 | 5833.33 |
| 45 | 2029-04 | 1474.13 | 15.80 | 1458.33 | 4375.00 |
| 46 | 2029-05 | 1470.18 | 11.85 | 1458.33 | 2916.67 |
| 47 | 2029-06 | 1466.23 | 7.90 | 1458.33 | 1458.33 |
| 48 | 2029-07 | 1462.28 | 3.95 | 1458.33 | 0.00 |