盐城贷款12.58万（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：12.58万
还款月数：4年
每月还款：2776.89元
利息总额：7457.93元
本息合计：13.33万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 2776.89 | 298.85 | 2478.04 | 123354.96 |
| 2 | 2025-10 | 2776.89 | 292.97 | 2483.93 | 120871.03 |
| 3 | 2025-11 | 2776.89 | 287.07 | 2489.83 | 118381.21 |
| 4 | 2025-12 | 2776.89 | 281.16 | 2495.74 | 115885.47 |
| 5 | 2026-01 | 2776.89 | 275.23 | 2501.67 | 113383.80 |
| 6 | 2026-02 | 2776.89 | 269.29 | 2507.61 | 110876.19 |
| 7 | 2026-03 | 2776.89 | 263.33 | 2513.56 | 108362.63 |
| 8 | 2026-04 | 2776.89 | 257.36 | 2519.53 | 105843.10 |
| 9 | 2026-05 | 2776.89 | 251.38 | 2525.52 | 103317.58 |
| 10 | 2026-06 | 2776.89 | 245.38 | 2531.52 | 100786.06 |
| 11 | 2026-07 | 2776.89 | 239.37 | 2537.53 | 98248.54 |
| 12 | 2026-08 | 2776.89 | 233.34 | 2543.55 | 95704.98 |
| 13 | 2026-09 | 2776.89 | 227.30 | 2549.60 | 93155.39 |
| 14 | 2026-10 | 2776.89 | 221.24 | 2555.65 | 90599.74 |
| 15 | 2026-11 | 2776.89 | 215.17 | 2561.72 | 88038.02 |
| 16 | 2026-12 | 2776.89 | 209.09 | 2567.80 | 85470.21 |
| 17 | 2027-01 | 2776.89 | 202.99 | 2573.90 | 82896.31 |
| 18 | 2027-02 | 2776.89 | 196.88 | 2580.02 | 80316.29 |
| 19 | 2027-03 | 2776.89 | 190.75 | 2586.14 | 77730.15 |
| 20 | 2027-04 | 2776.89 | 184.61 | 2592.29 | 75137.87 |
| 21 | 2027-05 | 2776.89 | 178.45 | 2598.44 | 72539.42 |
| 22 | 2027-06 | 2776.89 | 172.28 | 2604.61 | 69934.81 |
| 23 | 2027-07 | 2776.89 | 166.10 | 2610.80 | 67324.01 |
| 24 | 2027-08 | 2776.89 | 159.89 | 2617.00 | 64707.01 |
| 25 | 2027-09 | 2776.89 | 153.68 | 2623.22 | 62083.80 |
| 26 | 2027-10 | 2776.89 | 147.45 | 2629.45 | 59454.35 |
| 27 | 2027-11 | 2776.89 | 141.20 | 2635.69 | 56818.66 |
| 28 | 2027-12 | 2776.89 | 134.94 | 2641.95 | 54176.71 |
| 29 | 2028-01 | 2776.89 | 128.67 | 2648.22 | 51528.48 |
| 30 | 2028-02 | 2776.89 | 122.38 | 2654.51 | 48873.97 |
| 31 | 2028-03 | 2776.89 | 116.08 | 2660.82 | 46213.15 |
| 32 | 2028-04 | 2776.89 | 109.76 | 2667.14 | 43546.01 |
| 33 | 2028-05 | 2776.89 | 103.42 | 2673.47 | 40872.54 |
| 34 | 2028-06 | 2776.89 | 97.07 | 2679.82 | 38192.72 |
| 35 | 2028-07 | 2776.89 | 90.71 | 2686.19 | 35506.53 |
| 36 | 2028-08 | 2776.89 | 84.33 | 2692.57 | 32813.97 |
| 37 | 2028-09 | 2776.89 | 77.93 | 2698.96 | 30115.00 |
| 38 | 2028-10 | 2776.89 | 71.52 | 2705.37 | 27409.63 |
| 39 | 2028-11 | 2776.89 | 65.10 | 2711.80 | 24697.84 |
| 40 | 2028-12 | 2776.89 | 58.66 | 2718.24 | 21979.60 |
| 41 | 2029-01 | 2776.89 | 52.20 | 2724.69 | 19254.91 |
| 42 | 2029-02 | 2776.89 | 45.73 | 2731.16 | 16523.74 |
| 43 | 2029-03 | 2776.89 | 39.24 | 2737.65 | 13786.09 |
| 44 | 2029-04 | 2776.89 | 32.74 | 2744.15 | 11041.94 |
| 45 | 2029-05 | 2776.89 | 26.22 | 2750.67 | 8291.27 |
| 46 | 2029-06 | 2776.89 | 19.69 | 2757.20 | 5534.07 |
| 47 | 2029-07 | 2776.89 | 13.14 | 2763.75 | 2770.31 |
| 48 | 2029-08 | 2776.89 | 6.58 | 2770.31 | 0.00 |
等额本金还款方式：
贷款总额：12.58万
还款月数：4年
首月还款：2920.37元
每月递减：6.23元
利息总额：7321.91元
本息合计：13.32万
节省利息：136.03元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 2920.37 | 298.85 | 2621.52 | 123211.48 |
| 2 | 2025-10 | 2914.15 | 292.63 | 2621.52 | 120589.96 |
| 3 | 2025-11 | 2907.92 | 286.40 | 2621.52 | 117968.44 |
| 4 | 2025-12 | 2901.70 | 280.18 | 2621.52 | 115346.92 |
| 5 | 2026-01 | 2895.47 | 273.95 | 2621.52 | 112725.40 |
| 6 | 2026-02 | 2889.24 | 267.72 | 2621.52 | 110103.88 |
| 7 | 2026-03 | 2883.02 | 261.50 | 2621.52 | 107482.35 |
| 8 | 2026-04 | 2876.79 | 255.27 | 2621.52 | 104860.83 |
| 9 | 2026-05 | 2870.57 | 249.04 | 2621.52 | 102239.31 |
| 10 | 2026-06 | 2864.34 | 242.82 | 2621.52 | 99617.79 |
| 11 | 2026-07 | 2858.11 | 236.59 | 2621.52 | 96996.27 |
| 12 | 2026-08 | 2851.89 | 230.37 | 2621.52 | 94374.75 |
| 13 | 2026-09 | 2845.66 | 224.14 | 2621.52 | 91753.23 |
| 14 | 2026-10 | 2839.43 | 217.91 | 2621.52 | 89131.71 |
| 15 | 2026-11 | 2833.21 | 211.69 | 2621.52 | 86510.19 |
| 16 | 2026-12 | 2826.98 | 205.46 | 2621.52 | 83888.67 |
| 17 | 2027-01 | 2820.76 | 199.24 | 2621.52 | 81267.15 |
| 18 | 2027-02 | 2814.53 | 193.01 | 2621.52 | 78645.63 |
| 19 | 2027-03 | 2808.30 | 186.78 | 2621.52 | 76024.10 |
| 20 | 2027-04 | 2802.08 | 180.56 | 2621.52 | 73402.58 |
| 21 | 2027-05 | 2795.85 | 174.33 | 2621.52 | 70781.06 |
| 22 | 2027-06 | 2789.63 | 168.11 | 2621.52 | 68159.54 |
| 23 | 2027-07 | 2783.40 | 161.88 | 2621.52 | 65538.02 |
| 24 | 2027-08 | 2777.17 | 155.65 | 2621.52 | 62916.50 |
| 25 | 2027-09 | 2770.95 | 149.43 | 2621.52 | 60294.98 |
| 26 | 2027-10 | 2764.72 | 143.20 | 2621.52 | 57673.46 |
| 27 | 2027-11 | 2758.50 | 136.97 | 2621.52 | 55051.94 |
| 28 | 2027-12 | 2752.27 | 130.75 | 2621.52 | 52430.42 |
| 29 | 2028-01 | 2746.04 | 124.52 | 2621.52 | 49808.90 |
| 30 | 2028-02 | 2739.82 | 118.30 | 2621.52 | 47187.38 |
| 31 | 2028-03 | 2733.59 | 112.07 | 2621.52 | 44565.85 |
| 32 | 2028-04 | 2727.36 | 105.84 | 2621.52 | 41944.33 |
| 33 | 2028-05 | 2721.14 | 99.62 | 2621.52 | 39322.81 |
| 34 | 2028-06 | 2714.91 | 93.39 | 2621.52 | 36701.29 |
| 35 | 2028-07 | 2708.69 | 87.17 | 2621.52 | 34079.77 |
| 36 | 2028-08 | 2702.46 | 80.94 | 2621.52 | 31458.25 |
| 37 | 2028-09 | 2696.23 | 74.71 | 2621.52 | 28836.73 |
| 38 | 2028-10 | 2690.01 | 68.49 | 2621.52 | 26215.21 |
| 39 | 2028-11 | 2683.78 | 62.26 | 2621.52 | 23593.69 |
| 40 | 2028-12 | 2677.56 | 56.04 | 2621.52 | 20972.17 |
| 41 | 2029-01 | 2671.33 | 49.81 | 2621.52 | 18350.65 |
| 42 | 2029-02 | 2665.10 | 43.58 | 2621.52 | 15729.13 |
| 43 | 2029-03 | 2658.88 | 37.36 | 2621.52 | 13107.60 |
| 44 | 2029-04 | 2652.65 | 31.13 | 2621.52 | 10486.08 |
| 45 | 2029-05 | 2646.43 | 24.90 | 2621.52 | 7864.56 |
| 46 | 2029-06 | 2640.20 | 18.68 | 2621.52 | 5243.04 |
| 47 | 2029-07 | 2633.97 | 12.45 | 2621.52 | 2621.52 |
| 48 | 2029-08 | 2627.75 | 6.23 | 2621.52 | 0.00 |