大庆贷款20万（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：20万
还款月数：4年
每月还款：4449元
利息总额：1.36万
本息合计：21.36万
| 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 | 4449.00 | 541.67 | 3907.33 | 196092.67 |
| 2 | 2025-12 | 4449.00 | 531.08 | 3917.91 | 192174.75 |
| 3 | 2026-01 | 4449.00 | 520.47 | 3928.53 | 188246.23 |
| 4 | 2026-02 | 4449.00 | 509.83 | 3939.16 | 184307.06 |
| 5 | 2026-03 | 4449.00 | 499.16 | 3949.83 | 180357.23 |
| 6 | 2026-04 | 4449.00 | 488.47 | 3960.53 | 176396.70 |
| 7 | 2026-05 | 4449.00 | 477.74 | 3971.26 | 172425.44 |
| 8 | 2026-06 | 4449.00 | 466.99 | 3982.01 | 168443.43 |
| 9 | 2026-07 | 4449.00 | 456.20 | 3992.80 | 164450.63 |
| 10 | 2026-08 | 4449.00 | 445.39 | 4003.61 | 160447.02 |
| 11 | 2026-09 | 4449.00 | 434.54 | 4014.45 | 156432.57 |
| 12 | 2026-10 | 4449.00 | 423.67 | 4025.33 | 152407.24 |
| 13 | 2026-11 | 4449.00 | 412.77 | 4036.23 | 148371.01 |
| 14 | 2026-12 | 4449.00 | 401.84 | 4047.16 | 144323.85 |
| 15 | 2027-01 | 4449.00 | 390.88 | 4058.12 | 140265.73 |
| 16 | 2027-02 | 4449.00 | 379.89 | 4069.11 | 136196.62 |
| 17 | 2027-03 | 4449.00 | 368.87 | 4080.13 | 132116.49 |
| 18 | 2027-04 | 4449.00 | 357.82 | 4091.18 | 128025.30 |
| 19 | 2027-05 | 4449.00 | 346.74 | 4102.26 | 123923.04 |
| 20 | 2027-06 | 4449.00 | 335.62 | 4113.37 | 119809.67 |
| 21 | 2027-07 | 4449.00 | 324.48 | 4124.51 | 115685.15 |
| 22 | 2027-08 | 4449.00 | 313.31 | 4135.68 | 111549.47 |
| 23 | 2027-09 | 4449.00 | 302.11 | 4146.89 | 107402.58 |
| 24 | 2027-10 | 4449.00 | 290.88 | 4158.12 | 103244.47 |
| 25 | 2027-11 | 4449.00 | 279.62 | 4169.38 | 99075.09 |
| 26 | 2027-12 | 4449.00 | 268.33 | 4180.67 | 94894.42 |
| 27 | 2028-01 | 4449.00 | 257.01 | 4191.99 | 90702.43 |
| 28 | 2028-02 | 4449.00 | 245.65 | 4203.35 | 86499.08 |
| 29 | 2028-03 | 4449.00 | 234.27 | 4214.73 | 82284.35 |
| 30 | 2028-04 | 4449.00 | 222.85 | 4226.14 | 78058.21 |
| 31 | 2028-05 | 4449.00 | 211.41 | 4237.59 | 73820.62 |
| 32 | 2028-06 | 4449.00 | 199.93 | 4249.07 | 69571.55 |
| 33 | 2028-07 | 4449.00 | 188.42 | 4260.58 | 65310.97 |
| 34 | 2028-08 | 4449.00 | 176.88 | 4272.11 | 61038.86 |
| 35 | 2028-09 | 4449.00 | 165.31 | 4283.68 | 56755.17 |
| 36 | 2028-10 | 4449.00 | 153.71 | 4295.29 | 52459.89 |
| 37 | 2028-11 | 4449.00 | 142.08 | 4306.92 | 48152.97 |
| 38 | 2028-12 | 4449.00 | 130.41 | 4318.58 | 43834.38 |
| 39 | 2029-01 | 4449.00 | 118.72 | 4330.28 | 39504.10 |
| 40 | 2029-02 | 4449.00 | 106.99 | 4342.01 | 35162.10 |
| 41 | 2029-03 | 4449.00 | 95.23 | 4353.77 | 30808.33 |
| 42 | 2029-04 | 4449.00 | 83.44 | 4365.56 | 26442.77 |
| 43 | 2029-05 | 4449.00 | 71.62 | 4377.38 | 22065.39 |
| 44 | 2029-06 | 4449.00 | 59.76 | 4389.24 | 17676.15 |
| 45 | 2029-07 | 4449.00 | 47.87 | 4401.13 | 13275.02 |
| 46 | 2029-08 | 4449.00 | 35.95 | 4413.05 | 8861.98 |
| 47 | 2029-09 | 4449.00 | 24.00 | 4425.00 | 4436.98 |
| 48 | 2029-10 | 4449.00 | 12.02 | 4436.98 | 0.00 |
等额本金还款方式：
贷款总额：20万
还款月数：4年
首月还款：4708.33元
每月递减：11.28元
利息总额：1.33万
本息合计：21.33万
节省利息：281.08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 | 4708.33 | 541.67 | 4166.67 | 195833.33 |
| 2 | 2025-12 | 4697.05 | 530.38 | 4166.67 | 191666.67 |
| 3 | 2026-01 | 4685.76 | 519.10 | 4166.67 | 187500.00 |
| 4 | 2026-02 | 4674.48 | 507.81 | 4166.67 | 183333.33 |
| 5 | 2026-03 | 4663.19 | 496.53 | 4166.67 | 179166.67 |
| 6 | 2026-04 | 4651.91 | 485.24 | 4166.67 | 175000.00 |
| 7 | 2026-05 | 4640.63 | 473.96 | 4166.67 | 170833.33 |
| 8 | 2026-06 | 4629.34 | 462.67 | 4166.67 | 166666.67 |
| 9 | 2026-07 | 4618.06 | 451.39 | 4166.67 | 162500.00 |
| 10 | 2026-08 | 4606.77 | 440.10 | 4166.67 | 158333.33 |
| 11 | 2026-09 | 4595.49 | 428.82 | 4166.67 | 154166.67 |
| 12 | 2026-10 | 4584.20 | 417.53 | 4166.67 | 150000.00 |
| 13 | 2026-11 | 4572.92 | 406.25 | 4166.67 | 145833.33 |
| 14 | 2026-12 | 4561.63 | 394.97 | 4166.67 | 141666.67 |
| 15 | 2027-01 | 4550.35 | 383.68 | 4166.67 | 137500.00 |
| 16 | 2027-02 | 4539.06 | 372.40 | 4166.67 | 133333.33 |
| 17 | 2027-03 | 4527.78 | 361.11 | 4166.67 | 129166.67 |
| 18 | 2027-04 | 4516.49 | 349.83 | 4166.67 | 125000.00 |
| 19 | 2027-05 | 4505.21 | 338.54 | 4166.67 | 120833.33 |
| 20 | 2027-06 | 4493.92 | 327.26 | 4166.67 | 116666.67 |
| 21 | 2027-07 | 4482.64 | 315.97 | 4166.67 | 112500.00 |
| 22 | 2027-08 | 4471.35 | 304.69 | 4166.67 | 108333.33 |
| 23 | 2027-09 | 4460.07 | 293.40 | 4166.67 | 104166.67 |
| 24 | 2027-10 | 4448.78 | 282.12 | 4166.67 | 100000.00 |
| 25 | 2027-11 | 4437.50 | 270.83 | 4166.67 | 95833.33 |
| 26 | 2027-12 | 4426.22 | 259.55 | 4166.67 | 91666.67 |
| 27 | 2028-01 | 4414.93 | 248.26 | 4166.67 | 87500.00 |
| 28 | 2028-02 | 4403.65 | 236.98 | 4166.67 | 83333.33 |
| 29 | 2028-03 | 4392.36 | 225.69 | 4166.67 | 79166.67 |
| 30 | 2028-04 | 4381.08 | 214.41 | 4166.67 | 75000.00 |
| 31 | 2028-05 | 4369.79 | 203.12 | 4166.67 | 70833.33 |
| 32 | 2028-06 | 4358.51 | 191.84 | 4166.67 | 66666.67 |
| 33 | 2028-07 | 4347.22 | 180.56 | 4166.67 | 62500.00 |
| 34 | 2028-08 | 4335.94 | 169.27 | 4166.67 | 58333.33 |
| 35 | 2028-09 | 4324.65 | 157.99 | 4166.67 | 54166.67 |
| 36 | 2028-10 | 4313.37 | 146.70 | 4166.67 | 50000.00 |
| 37 | 2028-11 | 4302.08 | 135.42 | 4166.67 | 45833.33 |
| 38 | 2028-12 | 4290.80 | 124.13 | 4166.67 | 41666.67 |
| 39 | 2029-01 | 4279.51 | 112.85 | 4166.67 | 37500.00 |
| 40 | 2029-02 | 4268.23 | 101.56 | 4166.67 | 33333.33 |
| 41 | 2029-03 | 4256.94 | 90.28 | 4166.67 | 29166.67 |
| 42 | 2029-04 | 4245.66 | 78.99 | 4166.67 | 25000.00 |
| 43 | 2029-05 | 4234.38 | 67.71 | 4166.67 | 20833.33 |
| 44 | 2029-06 | 4223.09 | 56.42 | 4166.67 | 16666.67 |
| 45 | 2029-07 | 4211.81 | 45.14 | 4166.67 | 12500.00 |
| 46 | 2029-08 | 4200.52 | 33.85 | 4166.67 | 8333.33 |
| 47 | 2029-09 | 4189.24 | 22.57 | 4166.67 | 4166.67 |
| 48 | 2029-10 | 4177.95 | 11.28 | 4166.67 | 0.00 |