贷款28万（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：28万
还款月数：4年
每月还款：6228.6元
利息总额：1.9万
本息合计：29.9万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 6228.60 | 758.33 | 5470.26 | 274529.74 |
| 2 | 2025-12 | 6228.60 | 743.52 | 5485.08 | 269044.66 |
| 3 | 2026-01 | 6228.60 | 728.66 | 5499.94 | 263544.72 |
| 4 | 2026-02 | 6228.60 | 713.77 | 5514.83 | 258029.89 |
| 5 | 2026-03 | 6228.60 | 698.83 | 5529.77 | 252500.12 |
| 6 | 2026-04 | 6228.60 | 683.85 | 5544.74 | 246955.38 |
| 7 | 2026-05 | 6228.60 | 668.84 | 5559.76 | 241395.62 |
| 8 | 2026-06 | 6228.60 | 653.78 | 5574.82 | 235820.80 |
| 9 | 2026-07 | 6228.60 | 638.68 | 5589.92 | 230230.89 |
| 10 | 2026-08 | 6228.60 | 623.54 | 5605.06 | 224625.83 |
| 11 | 2026-09 | 6228.60 | 608.36 | 5620.24 | 219005.59 |
| 12 | 2026-10 | 6228.60 | 593.14 | 5635.46 | 213370.14 |
| 13 | 2026-11 | 6228.60 | 577.88 | 5650.72 | 207719.42 |
| 14 | 2026-12 | 6228.60 | 562.57 | 5666.02 | 202053.39 |
| 15 | 2027-01 | 6228.60 | 547.23 | 5681.37 | 196372.02 |
| 16 | 2027-02 | 6228.60 | 531.84 | 5696.76 | 190675.27 |
| 17 | 2027-03 | 6228.60 | 516.41 | 5712.19 | 184963.08 |
| 18 | 2027-04 | 6228.60 | 500.94 | 5727.66 | 179235.43 |
| 19 | 2027-05 | 6228.60 | 485.43 | 5743.17 | 173492.26 |
| 20 | 2027-06 | 6228.60 | 469.87 | 5758.72 | 167733.53 |
| 21 | 2027-07 | 6228.60 | 454.28 | 5774.32 | 161959.21 |
| 22 | 2027-08 | 6228.60 | 438.64 | 5789.96 | 156169.26 |
| 23 | 2027-09 | 6228.60 | 422.96 | 5805.64 | 150363.62 |
| 24 | 2027-10 | 6228.60 | 407.23 | 5821.36 | 144542.25 |
| 25 | 2027-11 | 6228.60 | 391.47 | 5837.13 | 138705.13 |
| 26 | 2027-12 | 6228.60 | 375.66 | 5852.94 | 132852.19 |
| 27 | 2028-01 | 6228.60 | 359.81 | 5868.79 | 126983.40 |
| 28 | 2028-02 | 6228.60 | 343.91 | 5884.68 | 121098.71 |
| 29 | 2028-03 | 6228.60 | 327.98 | 5900.62 | 115198.09 |
| 30 | 2028-04 | 6228.60 | 311.99 | 5916.60 | 109281.49 |
| 31 | 2028-05 | 6228.60 | 295.97 | 5932.63 | 103348.86 |
| 32 | 2028-06 | 6228.60 | 279.90 | 5948.69 | 97400.17 |
| 33 | 2028-07 | 6228.60 | 263.79 | 5964.81 | 91435.36 |
| 34 | 2028-08 | 6228.60 | 247.64 | 5980.96 | 85454.40 |
| 35 | 2028-09 | 6228.60 | 231.44 | 5997.16 | 79457.24 |
| 36 | 2028-10 | 6228.60 | 215.20 | 6013.40 | 73443.84 |
| 37 | 2028-11 | 6228.60 | 198.91 | 6029.69 | 67414.16 |
| 38 | 2028-12 | 6228.60 | 182.58 | 6046.02 | 61368.14 |
| 39 | 2029-01 | 6228.60 | 166.21 | 6062.39 | 55305.75 |
| 40 | 2029-02 | 6228.60 | 149.79 | 6078.81 | 49226.93 |
| 41 | 2029-03 | 6228.60 | 133.32 | 6095.27 | 43131.66 |
| 42 | 2029-04 | 6228.60 | 116.81 | 6111.78 | 37019.88 |
| 43 | 2029-05 | 6228.60 | 100.26 | 6128.34 | 30891.54 |
| 44 | 2029-06 | 6228.60 | 83.66 | 6144.93 | 24746.61 |
| 45 | 2029-07 | 6228.60 | 67.02 | 6161.58 | 18585.03 |
| 46 | 2029-08 | 6228.60 | 50.33 | 6178.26 | 12406.77 |
| 47 | 2029-09 | 6228.60 | 33.60 | 6195.00 | 6211.77 |
| 48 | 2029-10 | 6228.60 | 16.82 | 6211.77 | 0.00 |
等额本金还款方式：
贷款总额：28万
还款月数：4年
首月还款：6591.67元
每月递减：15.8元
利息总额：1.86万
本息合计：29.86万
节省利息：393.52元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 6591.67 | 758.33 | 5833.33 | 274166.67 |
| 2 | 2025-12 | 6575.87 | 742.53 | 5833.33 | 268333.33 |
| 3 | 2026-01 | 6560.07 | 726.74 | 5833.33 | 262500.00 |
| 4 | 2026-02 | 6544.27 | 710.94 | 5833.33 | 256666.67 |
| 5 | 2026-03 | 6528.47 | 695.14 | 5833.33 | 250833.33 |
| 6 | 2026-04 | 6512.67 | 679.34 | 5833.33 | 245000.00 |
| 7 | 2026-05 | 6496.88 | 663.54 | 5833.33 | 239166.67 |
| 8 | 2026-06 | 6481.08 | 647.74 | 5833.33 | 233333.33 |
| 9 | 2026-07 | 6465.28 | 631.94 | 5833.33 | 227500.00 |
| 10 | 2026-08 | 6449.48 | 616.15 | 5833.33 | 221666.67 |
| 11 | 2026-09 | 6433.68 | 600.35 | 5833.33 | 215833.33 |
| 12 | 2026-10 | 6417.88 | 584.55 | 5833.33 | 210000.00 |
| 13 | 2026-11 | 6402.08 | 568.75 | 5833.33 | 204166.67 |
| 14 | 2026-12 | 6386.28 | 552.95 | 5833.33 | 198333.33 |
| 15 | 2027-01 | 6370.49 | 537.15 | 5833.33 | 192500.00 |
| 16 | 2027-02 | 6354.69 | 521.35 | 5833.33 | 186666.67 |
| 17 | 2027-03 | 6338.89 | 505.56 | 5833.33 | 180833.33 |
| 18 | 2027-04 | 6323.09 | 489.76 | 5833.33 | 175000.00 |
| 19 | 2027-05 | 6307.29 | 473.96 | 5833.33 | 169166.67 |
| 20 | 2027-06 | 6291.49 | 458.16 | 5833.33 | 163333.33 |
| 21 | 2027-07 | 6275.69 | 442.36 | 5833.33 | 157500.00 |
| 22 | 2027-08 | 6259.90 | 426.56 | 5833.33 | 151666.67 |
| 23 | 2027-09 | 6244.10 | 410.76 | 5833.33 | 145833.33 |
| 24 | 2027-10 | 6228.30 | 394.97 | 5833.33 | 140000.00 |
| 25 | 2027-11 | 6212.50 | 379.17 | 5833.33 | 134166.67 |
| 26 | 2027-12 | 6196.70 | 363.37 | 5833.33 | 128333.33 |
| 27 | 2028-01 | 6180.90 | 347.57 | 5833.33 | 122500.00 |
| 28 | 2028-02 | 6165.10 | 331.77 | 5833.33 | 116666.67 |
| 29 | 2028-03 | 6149.31 | 315.97 | 5833.33 | 110833.33 |
| 30 | 2028-04 | 6133.51 | 300.17 | 5833.33 | 105000.00 |
| 31 | 2028-05 | 6117.71 | 284.38 | 5833.33 | 99166.67 |
| 32 | 2028-06 | 6101.91 | 268.58 | 5833.33 | 93333.33 |
| 33 | 2028-07 | 6086.11 | 252.78 | 5833.33 | 87500.00 |
| 34 | 2028-08 | 6070.31 | 236.98 | 5833.33 | 81666.67 |
| 35 | 2028-09 | 6054.51 | 221.18 | 5833.33 | 75833.33 |
| 36 | 2028-10 | 6038.72 | 205.38 | 5833.33 | 70000.00 |
| 37 | 2028-11 | 6022.92 | 189.58 | 5833.33 | 64166.67 |
| 38 | 2028-12 | 6007.12 | 173.78 | 5833.33 | 58333.33 |
| 39 | 2029-01 | 5991.32 | 157.99 | 5833.33 | 52500.00 |
| 40 | 2029-02 | 5975.52 | 142.19 | 5833.33 | 46666.67 |
| 41 | 2029-03 | 5959.72 | 126.39 | 5833.33 | 40833.33 |
| 42 | 2029-04 | 5943.92 | 110.59 | 5833.33 | 35000.00 |
| 43 | 2029-05 | 5928.13 | 94.79 | 5833.33 | 29166.67 |
| 44 | 2029-06 | 5912.33 | 78.99 | 5833.33 | 23333.33 |
| 45 | 2029-07 | 5896.53 | 63.19 | 5833.33 | 17500.00 |
| 46 | 2029-08 | 5880.73 | 47.40 | 5833.33 | 11666.67 |
| 47 | 2029-09 | 5864.93 | 31.60 | 5833.33 | 5833.33 |
| 48 | 2029-10 | 5849.13 | 15.80 | 5833.33 | 0.00 |