承德贷款60万（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：60万
还款月数：4年
每月还款：13346.99元
利息总额：4.07万
本息合计：64.07万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 13346.99 | 1625.00 | 11721.99 | 588278.01 |
| 2 | 2025-11 | 13346.99 | 1593.25 | 11753.74 | 576524.26 |
| 3 | 2025-12 | 13346.99 | 1561.42 | 11785.58 | 564738.69 |
| 4 | 2026-01 | 13346.99 | 1529.50 | 11817.49 | 552921.19 |
| 5 | 2026-02 | 13346.99 | 1497.49 | 11849.50 | 541071.69 |
| 6 | 2026-03 | 13346.99 | 1465.40 | 11881.59 | 529190.10 |
| 7 | 2026-04 | 13346.99 | 1433.22 | 11913.77 | 517276.33 |
| 8 | 2026-05 | 13346.99 | 1400.96 | 11946.04 | 505330.29 |
| 9 | 2026-06 | 13346.99 | 1368.60 | 11978.39 | 493351.90 |
| 10 | 2026-07 | 13346.99 | 1336.16 | 12010.83 | 481341.07 |
| 11 | 2026-08 | 13346.99 | 1303.63 | 12043.36 | 469297.70 |
| 12 | 2026-09 | 13346.99 | 1271.01 | 12075.98 | 457221.72 |
| 13 | 2026-10 | 13346.99 | 1238.31 | 12108.69 | 445113.04 |
| 14 | 2026-11 | 13346.99 | 1205.51 | 12141.48 | 432971.56 |
| 15 | 2026-12 | 13346.99 | 1172.63 | 12174.36 | 420797.19 |
| 16 | 2027-01 | 13346.99 | 1139.66 | 12207.34 | 408589.86 |
| 17 | 2027-02 | 13346.99 | 1106.60 | 12240.40 | 396349.46 |
| 18 | 2027-03 | 13346.99 | 1073.45 | 12273.55 | 384075.91 |
| 19 | 2027-04 | 13346.99 | 1040.21 | 12306.79 | 371769.12 |
| 20 | 2027-05 | 13346.99 | 1006.87 | 12340.12 | 359429.00 |
| 21 | 2027-06 | 13346.99 | 973.45 | 12373.54 | 347055.46 |
| 22 | 2027-07 | 13346.99 | 939.94 | 12407.05 | 334648.41 |
| 23 | 2027-08 | 13346.99 | 906.34 | 12440.66 | 322207.75 |
| 24 | 2027-09 | 13346.99 | 872.65 | 12474.35 | 309733.40 |
| 25 | 2027-10 | 13346.99 | 838.86 | 12508.13 | 297225.27 |
| 26 | 2027-11 | 13346.99 | 804.99 | 12542.01 | 284683.26 |
| 27 | 2027-12 | 13346.99 | 771.02 | 12575.98 | 272107.28 |
| 28 | 2028-01 | 13346.99 | 736.96 | 12610.04 | 259497.24 |
| 29 | 2028-02 | 13346.99 | 702.81 | 12644.19 | 246853.05 |
| 30 | 2028-03 | 13346.99 | 668.56 | 12678.43 | 234174.62 |
| 31 | 2028-04 | 13346.99 | 634.22 | 12712.77 | 221461.85 |
| 32 | 2028-05 | 13346.99 | 599.79 | 12747.20 | 208714.65 |
| 33 | 2028-06 | 13346.99 | 565.27 | 12781.73 | 195932.92 |
| 34 | 2028-07 | 13346.99 | 530.65 | 12816.34 | 183116.58 |
| 35 | 2028-08 | 13346.99 | 495.94 | 12851.05 | 170265.52 |
| 36 | 2028-09 | 13346.99 | 461.14 | 12885.86 | 157379.66 |
| 37 | 2028-10 | 13346.99 | 426.24 | 12920.76 | 144458.90 |
| 38 | 2028-11 | 13346.99 | 391.24 | 12955.75 | 131503.15 |
| 39 | 2028-12 | 13346.99 | 356.15 | 12990.84 | 118512.31 |
| 40 | 2029-01 | 13346.99 | 320.97 | 13026.02 | 105486.29 |
| 41 | 2029-02 | 13346.99 | 285.69 | 13061.30 | 92424.99 |
| 42 | 2029-03 | 13346.99 | 250.32 | 13096.68 | 79328.31 |
| 43 | 2029-04 | 13346.99 | 214.85 | 13132.15 | 66196.16 |
| 44 | 2029-05 | 13346.99 | 179.28 | 13167.71 | 53028.45 |
| 45 | 2029-06 | 13346.99 | 143.62 | 13203.38 | 39825.07 |
| 46 | 2029-07 | 13346.99 | 107.86 | 13239.14 | 26585.94 |
| 47 | 2029-08 | 13346.99 | 72.00 | 13274.99 | 13310.94 |
| 48 | 2029-09 | 13346.99 | 36.05 | 13310.94 | 0.00 |
等额本金还款方式：
贷款总额：60万
还款月数：4年
首月还款：14125元
每月递减：33.85元
利息总额：3.98万
本息合计：63.98万
节省利息：843.25元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 14125.00 | 1625.00 | 12500.00 | 587500.00 |
| 2 | 2025-11 | 14091.15 | 1591.15 | 12500.00 | 575000.00 |
| 3 | 2025-12 | 14057.29 | 1557.29 | 12500.00 | 562500.00 |
| 4 | 2026-01 | 14023.44 | 1523.44 | 12500.00 | 550000.00 |
| 5 | 2026-02 | 13989.58 | 1489.58 | 12500.00 | 537500.00 |
| 6 | 2026-03 | 13955.73 | 1455.73 | 12500.00 | 525000.00 |
| 7 | 2026-04 | 13921.88 | 1421.88 | 12500.00 | 512500.00 |
| 8 | 2026-05 | 13888.02 | 1388.02 | 12500.00 | 500000.00 |
| 9 | 2026-06 | 13854.17 | 1354.17 | 12500.00 | 487500.00 |
| 10 | 2026-07 | 13820.31 | 1320.31 | 12500.00 | 475000.00 |
| 11 | 2026-08 | 13786.46 | 1286.46 | 12500.00 | 462500.00 |
| 12 | 2026-09 | 13752.60 | 1252.60 | 12500.00 | 450000.00 |
| 13 | 2026-10 | 13718.75 | 1218.75 | 12500.00 | 437500.00 |
| 14 | 2026-11 | 13684.90 | 1184.90 | 12500.00 | 425000.00 |
| 15 | 2026-12 | 13651.04 | 1151.04 | 12500.00 | 412500.00 |
| 16 | 2027-01 | 13617.19 | 1117.19 | 12500.00 | 400000.00 |
| 17 | 2027-02 | 13583.33 | 1083.33 | 12500.00 | 387500.00 |
| 18 | 2027-03 | 13549.48 | 1049.48 | 12500.00 | 375000.00 |
| 19 | 2027-04 | 13515.63 | 1015.63 | 12500.00 | 362500.00 |
| 20 | 2027-05 | 13481.77 | 981.77 | 12500.00 | 350000.00 |
| 21 | 2027-06 | 13447.92 | 947.92 | 12500.00 | 337500.00 |
| 22 | 2027-07 | 13414.06 | 914.06 | 12500.00 | 325000.00 |
| 23 | 2027-08 | 13380.21 | 880.21 | 12500.00 | 312500.00 |
| 24 | 2027-09 | 13346.35 | 846.35 | 12500.00 | 300000.00 |
| 25 | 2027-10 | 13312.50 | 812.50 | 12500.00 | 287500.00 |
| 26 | 2027-11 | 13278.65 | 778.65 | 12500.00 | 275000.00 |
| 27 | 2027-12 | 13244.79 | 744.79 | 12500.00 | 262500.00 |
| 28 | 2028-01 | 13210.94 | 710.94 | 12500.00 | 250000.00 |
| 29 | 2028-02 | 13177.08 | 677.08 | 12500.00 | 237500.00 |
| 30 | 2028-03 | 13143.23 | 643.23 | 12500.00 | 225000.00 |
| 31 | 2028-04 | 13109.38 | 609.38 | 12500.00 | 212500.00 |
| 32 | 2028-05 | 13075.52 | 575.52 | 12500.00 | 200000.00 |
| 33 | 2028-06 | 13041.67 | 541.67 | 12500.00 | 187500.00 |
| 34 | 2028-07 | 13007.81 | 507.81 | 12500.00 | 175000.00 |
| 35 | 2028-08 | 12973.96 | 473.96 | 12500.00 | 162500.00 |
| 36 | 2028-09 | 12940.10 | 440.10 | 12500.00 | 150000.00 |
| 37 | 2028-10 | 12906.25 | 406.25 | 12500.00 | 137500.00 |
| 38 | 2028-11 | 12872.40 | 372.40 | 12500.00 | 125000.00 |
| 39 | 2028-12 | 12838.54 | 338.54 | 12500.00 | 112500.00 |
| 40 | 2029-01 | 12804.69 | 304.69 | 12500.00 | 100000.00 |
| 41 | 2029-02 | 12770.83 | 270.83 | 12500.00 | 87500.00 |
| 42 | 2029-03 | 12736.98 | 236.98 | 12500.00 | 75000.00 |
| 43 | 2029-04 | 12703.13 | 203.13 | 12500.00 | 62500.00 |
| 44 | 2029-05 | 12669.27 | 169.27 | 12500.00 | 50000.00 |
| 45 | 2029-06 | 12635.42 | 135.42 | 12500.00 | 37500.00 |
| 46 | 2029-07 | 12601.56 | 101.56 | 12500.00 | 25000.00 |
| 47 | 2029-08 | 12567.71 | 67.71 | 12500.00 | 12500.00 |
| 48 | 2029-09 | 12533.85 | 33.85 | 12500.00 | 0.00 |