大连贷款30万（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：30万
还款月数：4年
每月还款：6521.64元
利息总额：1.3万
本息合计：31.3万
| 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 | 6521.64 | 525.00 | 5996.64 | 294003.36 |
| 2 | 2025-11 | 6521.64 | 514.51 | 6007.13 | 287996.23 |
| 3 | 2025-12 | 6521.64 | 503.99 | 6017.65 | 281978.58 |
| 4 | 2026-01 | 6521.64 | 493.46 | 6028.18 | 275950.41 |
| 5 | 2026-02 | 6521.64 | 482.91 | 6038.73 | 269911.68 |
| 6 | 2026-03 | 6521.64 | 472.35 | 6049.29 | 263862.39 |
| 7 | 2026-04 | 6521.64 | 461.76 | 6059.88 | 257802.51 |
| 8 | 2026-05 | 6521.64 | 451.15 | 6070.48 | 251732.03 |
| 9 | 2026-06 | 6521.64 | 440.53 | 6081.11 | 245650.92 |
| 10 | 2026-07 | 6521.64 | 429.89 | 6091.75 | 239559.17 |
| 11 | 2026-08 | 6521.64 | 419.23 | 6102.41 | 233456.76 |
| 12 | 2026-09 | 6521.64 | 408.55 | 6113.09 | 227343.67 |
| 13 | 2026-10 | 6521.64 | 397.85 | 6123.79 | 221219.88 |
| 14 | 2026-11 | 6521.64 | 387.13 | 6134.50 | 215085.38 |
| 15 | 2026-12 | 6521.64 | 376.40 | 6145.24 | 208940.14 |
| 16 | 2027-01 | 6521.64 | 365.65 | 6155.99 | 202784.15 |
| 17 | 2027-02 | 6521.64 | 354.87 | 6166.77 | 196617.38 |
| 18 | 2027-03 | 6521.64 | 344.08 | 6177.56 | 190439.82 |
| 19 | 2027-04 | 6521.64 | 333.27 | 6188.37 | 184251.45 |
| 20 | 2027-05 | 6521.64 | 322.44 | 6199.20 | 178052.26 |
| 21 | 2027-06 | 6521.64 | 311.59 | 6210.05 | 171842.21 |
| 22 | 2027-07 | 6521.64 | 300.72 | 6220.91 | 165621.29 |
| 23 | 2027-08 | 6521.64 | 289.84 | 6231.80 | 159389.49 |
| 24 | 2027-09 | 6521.64 | 278.93 | 6242.71 | 153146.79 |
| 25 | 2027-10 | 6521.64 | 268.01 | 6253.63 | 146893.15 |
| 26 | 2027-11 | 6521.64 | 257.06 | 6264.58 | 140628.58 |
| 27 | 2027-12 | 6521.64 | 246.10 | 6275.54 | 134353.04 |
| 28 | 2028-01 | 6521.64 | 235.12 | 6286.52 | 128066.52 |
| 29 | 2028-02 | 6521.64 | 224.12 | 6297.52 | 121769.00 |
| 30 | 2028-03 | 6521.64 | 213.10 | 6308.54 | 115460.45 |
| 31 | 2028-04 | 6521.64 | 202.06 | 6319.58 | 109140.87 |
| 32 | 2028-05 | 6521.64 | 191.00 | 6330.64 | 102810.23 |
| 33 | 2028-06 | 6521.64 | 179.92 | 6341.72 | 96468.51 |
| 34 | 2028-07 | 6521.64 | 168.82 | 6352.82 | 90115.69 |
| 35 | 2028-08 | 6521.64 | 157.70 | 6363.94 | 83751.75 |
| 36 | 2028-09 | 6521.64 | 146.57 | 6375.07 | 77376.68 |
| 37 | 2028-10 | 6521.64 | 135.41 | 6386.23 | 70990.45 |
| 38 | 2028-11 | 6521.64 | 124.23 | 6397.41 | 64593.05 |
| 39 | 2028-12 | 6521.64 | 113.04 | 6408.60 | 58184.45 |
| 40 | 2029-01 | 6521.64 | 101.82 | 6419.82 | 51764.63 |
| 41 | 2029-02 | 6521.64 | 90.59 | 6431.05 | 45333.58 |
| 42 | 2029-03 | 6521.64 | 79.33 | 6442.30 | 38891.27 |
| 43 | 2029-04 | 6521.64 | 68.06 | 6453.58 | 32437.70 |
| 44 | 2029-05 | 6521.64 | 56.77 | 6464.87 | 25972.82 |
| 45 | 2029-06 | 6521.64 | 45.45 | 6476.19 | 19496.64 |
| 46 | 2029-07 | 6521.64 | 34.12 | 6487.52 | 13009.12 |
| 47 | 2029-08 | 6521.64 | 22.77 | 6498.87 | 6510.25 |
| 48 | 2029-09 | 6521.64 | 11.39 | 6510.25 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：4年
首月还款：6775元
每月递减：10.94元
利息总额：1.29万
本息合计：31.29万
节省利息：176.15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 | 6775.00 | 525.00 | 6250.00 | 293750.00 |
| 2 | 2025-11 | 6764.06 | 514.06 | 6250.00 | 287500.00 |
| 3 | 2025-12 | 6753.13 | 503.13 | 6250.00 | 281250.00 |
| 4 | 2026-01 | 6742.19 | 492.19 | 6250.00 | 275000.00 |
| 5 | 2026-02 | 6731.25 | 481.25 | 6250.00 | 268750.00 |
| 6 | 2026-03 | 6720.31 | 470.31 | 6250.00 | 262500.00 |
| 7 | 2026-04 | 6709.38 | 459.38 | 6250.00 | 256250.00 |
| 8 | 2026-05 | 6698.44 | 448.44 | 6250.00 | 250000.00 |
| 9 | 2026-06 | 6687.50 | 437.50 | 6250.00 | 243750.00 |
| 10 | 2026-07 | 6676.56 | 426.56 | 6250.00 | 237500.00 |
| 11 | 2026-08 | 6665.63 | 415.63 | 6250.00 | 231250.00 |
| 12 | 2026-09 | 6654.69 | 404.69 | 6250.00 | 225000.00 |
| 13 | 2026-10 | 6643.75 | 393.75 | 6250.00 | 218750.00 |
| 14 | 2026-11 | 6632.81 | 382.81 | 6250.00 | 212500.00 |
| 15 | 2026-12 | 6621.88 | 371.88 | 6250.00 | 206250.00 |
| 16 | 2027-01 | 6610.94 | 360.94 | 6250.00 | 200000.00 |
| 17 | 2027-02 | 6600.00 | 350.00 | 6250.00 | 193750.00 |
| 18 | 2027-03 | 6589.06 | 339.06 | 6250.00 | 187500.00 |
| 19 | 2027-04 | 6578.13 | 328.13 | 6250.00 | 181250.00 |
| 20 | 2027-05 | 6567.19 | 317.19 | 6250.00 | 175000.00 |
| 21 | 2027-06 | 6556.25 | 306.25 | 6250.00 | 168750.00 |
| 22 | 2027-07 | 6545.31 | 295.31 | 6250.00 | 162500.00 |
| 23 | 2027-08 | 6534.38 | 284.38 | 6250.00 | 156250.00 |
| 24 | 2027-09 | 6523.44 | 273.44 | 6250.00 | 150000.00 |
| 25 | 2027-10 | 6512.50 | 262.50 | 6250.00 | 143750.00 |
| 26 | 2027-11 | 6501.56 | 251.56 | 6250.00 | 137500.00 |
| 27 | 2027-12 | 6490.63 | 240.63 | 6250.00 | 131250.00 |
| 28 | 2028-01 | 6479.69 | 229.69 | 6250.00 | 125000.00 |
| 29 | 2028-02 | 6468.75 | 218.75 | 6250.00 | 118750.00 |
| 30 | 2028-03 | 6457.81 | 207.81 | 6250.00 | 112500.00 |
| 31 | 2028-04 | 6446.88 | 196.88 | 6250.00 | 106250.00 |
| 32 | 2028-05 | 6435.94 | 185.94 | 6250.00 | 100000.00 |
| 33 | 2028-06 | 6425.00 | 175.00 | 6250.00 | 93750.00 |
| 34 | 2028-07 | 6414.06 | 164.06 | 6250.00 | 87500.00 |
| 35 | 2028-08 | 6403.13 | 153.13 | 6250.00 | 81250.00 |
| 36 | 2028-09 | 6392.19 | 142.19 | 6250.00 | 75000.00 |
| 37 | 2028-10 | 6381.25 | 131.25 | 6250.00 | 68750.00 |
| 38 | 2028-11 | 6370.31 | 120.31 | 6250.00 | 62500.00 |
| 39 | 2028-12 | 6359.38 | 109.38 | 6250.00 | 56250.00 |
| 40 | 2029-01 | 6348.44 | 98.44 | 6250.00 | 50000.00 |
| 41 | 2029-02 | 6337.50 | 87.50 | 6250.00 | 43750.00 |
| 42 | 2029-03 | 6326.56 | 76.56 | 6250.00 | 37500.00 |
| 43 | 2029-04 | 6315.63 | 65.63 | 6250.00 | 31250.00 |
| 44 | 2029-05 | 6304.69 | 54.69 | 6250.00 | 25000.00 |
| 45 | 2029-06 | 6293.75 | 43.75 | 6250.00 | 18750.00 |
| 46 | 2029-07 | 6282.81 | 32.81 | 6250.00 | 12500.00 |
| 47 | 2029-08 | 6271.88 | 21.88 | 6250.00 | 6250.00 |
| 48 | 2029-09 | 6260.94 | 10.94 | 6250.00 | 0.00 |