贷款2万（公积金贷款）房贷，还款4年4个月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：2万
还款月数：4年4个月
每月还款：412.68元
利息总额：1459.17元
本息合计：2.15万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 412.68 | 53.83 | 358.84 | 19641.16 |
| 2 | 2024-09 | 412.68 | 52.87 | 359.81 | 19281.35 |
| 3 | 2024-10 | 412.68 | 51.90 | 360.78 | 18920.57 |
| 4 | 2024-11 | 412.68 | 50.93 | 361.75 | 18558.82 |
| 5 | 2024-12 | 412.68 | 49.95 | 362.72 | 18196.10 |
| 6 | 2025-01 | 412.68 | 48.98 | 363.70 | 17832.40 |
| 7 | 2025-02 | 412.68 | 48.00 | 364.68 | 17467.72 |
| 8 | 2025-03 | 412.68 | 47.02 | 365.66 | 17102.07 |
| 9 | 2025-04 | 412.68 | 46.03 | 366.64 | 16735.42 |
| 10 | 2025-05 | 412.68 | 45.05 | 367.63 | 16367.79 |
| 11 | 2025-06 | 412.68 | 44.06 | 368.62 | 15999.17 |
| 12 | 2025-07 | 412.68 | 43.06 | 369.61 | 15629.56 |
| 13 | 2025-08 | 412.68 | 42.07 | 370.61 | 15258.95 |
| 14 | 2025-09 | 412.68 | 41.07 | 371.60 | 14887.35 |
| 15 | 2025-10 | 412.68 | 40.07 | 372.60 | 14514.74 |
| 16 | 2025-11 | 412.68 | 39.07 | 373.61 | 14141.14 |
| 17 | 2025-12 | 412.68 | 38.06 | 374.61 | 13766.52 |
| 18 | 2026-01 | 412.68 | 37.05 | 375.62 | 13390.90 |
| 19 | 2026-02 | 412.68 | 36.04 | 376.63 | 13014.27 |
| 20 | 2026-03 | 412.68 | 35.03 | 377.65 | 12636.62 |
| 21 | 2026-04 | 412.68 | 34.01 | 378.66 | 12257.96 |
| 22 | 2026-05 | 412.68 | 32.99 | 379.68 | 11878.28 |
| 23 | 2026-06 | 412.68 | 31.97 | 380.70 | 11497.58 |
| 24 | 2026-07 | 412.68 | 30.95 | 381.73 | 11115.85 |
| 25 | 2026-08 | 412.68 | 29.92 | 382.76 | 10733.09 |
| 26 | 2026-09 | 412.68 | 28.89 | 383.79 | 10349.30 |
| 27 | 2026-10 | 412.68 | 27.86 | 384.82 | 9964.48 |
| 28 | 2026-11 | 412.68 | 26.82 | 385.86 | 9578.63 |
| 29 | 2026-12 | 412.68 | 25.78 | 386.89 | 9191.74 |
| 30 | 2027-01 | 412.68 | 24.74 | 387.94 | 8803.80 |
| 31 | 2027-02 | 412.68 | 23.70 | 388.98 | 8414.82 |
| 32 | 2027-03 | 412.68 | 22.65 | 390.03 | 8024.79 |
| 33 | 2027-04 | 412.68 | 21.60 | 391.08 | 7633.72 |
| 34 | 2027-05 | 412.68 | 20.55 | 392.13 | 7241.59 |
| 35 | 2027-06 | 412.68 | 19.49 | 393.18 | 6848.41 |
| 36 | 2027-07 | 412.68 | 18.43 | 394.24 | 6454.16 |
| 37 | 2027-08 | 412.68 | 17.37 | 395.30 | 6058.86 |
| 38 | 2027-09 | 412.68 | 16.31 | 396.37 | 5662.49 |
| 39 | 2027-10 | 412.68 | 15.24 | 397.43 | 5265.06 |
| 40 | 2027-11 | 412.68 | 14.17 | 398.50 | 4866.55 |
| 41 | 2027-12 | 412.68 | 13.10 | 399.58 | 4466.97 |
| 42 | 2028-01 | 412.68 | 12.02 | 400.65 | 4066.32 |
| 43 | 2028-02 | 412.68 | 10.95 | 401.73 | 3664.59 |
| 44 | 2028-03 | 412.68 | 9.86 | 402.81 | 3261.78 |
| 45 | 2028-04 | 412.68 | 8.78 | 403.90 | 2857.88 |
| 46 | 2028-05 | 412.68 | 7.69 | 404.98 | 2452.90 |
| 47 | 2028-06 | 412.68 | 6.60 | 406.07 | 2046.82 |
| 48 | 2028-07 | 412.68 | 5.51 | 407.17 | 1639.66 |
| 49 | 2028-08 | 412.68 | 4.41 | 408.26 | 1231.39 |
| 50 | 2028-09 | 412.68 | 3.31 | 409.36 | 822.03 |
| 51 | 2028-10 | 412.68 | 2.21 | 410.46 | 411.57 |
| 52 | 2028-11 | 412.68 | 1.11 | 411.57 | 0.00 |
等额本金还款方式：
贷款总额：2万
还款月数：4年4个月
首月还款：438.45元
每月递减：1.04元
利息总额：1426.58元
本息合计：2.14万
节省利息：32.58元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 438.45 | 53.83 | 384.62 | 19615.38 |
| 2 | 2024-09 | 437.41 | 52.80 | 384.62 | 19230.77 |
| 3 | 2024-10 | 436.38 | 51.76 | 384.62 | 18846.15 |
| 4 | 2024-11 | 435.34 | 50.73 | 384.62 | 18461.54 |
| 5 | 2024-12 | 434.31 | 49.69 | 384.62 | 18076.92 |
| 6 | 2025-01 | 433.27 | 48.66 | 384.62 | 17692.31 |
| 7 | 2025-02 | 432.24 | 47.62 | 384.62 | 17307.69 |
| 8 | 2025-03 | 431.20 | 46.59 | 384.62 | 16923.08 |
| 9 | 2025-04 | 430.17 | 45.55 | 384.62 | 16538.46 |
| 10 | 2025-05 | 429.13 | 44.52 | 384.62 | 16153.85 |
| 11 | 2025-06 | 428.10 | 43.48 | 384.62 | 15769.23 |
| 12 | 2025-07 | 427.06 | 42.45 | 384.62 | 15384.62 |
| 13 | 2025-08 | 426.03 | 41.41 | 384.62 | 15000.00 |
| 14 | 2025-09 | 424.99 | 40.38 | 384.62 | 14615.38 |
| 15 | 2025-10 | 423.96 | 39.34 | 384.62 | 14230.77 |
| 16 | 2025-11 | 422.92 | 38.30 | 384.62 | 13846.15 |
| 17 | 2025-12 | 421.88 | 37.27 | 384.62 | 13461.54 |
| 18 | 2026-01 | 420.85 | 36.23 | 384.62 | 13076.92 |
| 19 | 2026-02 | 419.81 | 35.20 | 384.62 | 12692.31 |
| 20 | 2026-03 | 418.78 | 34.16 | 384.62 | 12307.69 |
| 21 | 2026-04 | 417.74 | 33.13 | 384.62 | 11923.08 |
| 22 | 2026-05 | 416.71 | 32.09 | 384.62 | 11538.46 |
| 23 | 2026-06 | 415.67 | 31.06 | 384.62 | 11153.85 |
| 24 | 2026-07 | 414.64 | 30.02 | 384.62 | 10769.23 |
| 25 | 2026-08 | 413.60 | 28.99 | 384.62 | 10384.62 |
| 26 | 2026-09 | 412.57 | 27.95 | 384.62 | 10000.00 |
| 27 | 2026-10 | 411.53 | 26.92 | 384.62 | 9615.38 |
| 28 | 2026-11 | 410.50 | 25.88 | 384.62 | 9230.77 |
| 29 | 2026-12 | 409.46 | 24.85 | 384.62 | 8846.15 |
| 30 | 2027-01 | 408.43 | 23.81 | 384.62 | 8461.54 |
| 31 | 2027-02 | 407.39 | 22.78 | 384.62 | 8076.92 |
| 32 | 2027-03 | 406.36 | 21.74 | 384.62 | 7692.31 |
| 33 | 2027-04 | 405.32 | 20.71 | 384.62 | 7307.69 |
| 34 | 2027-05 | 404.29 | 19.67 | 384.62 | 6923.08 |
| 35 | 2027-06 | 403.25 | 18.63 | 384.62 | 6538.46 |
| 36 | 2027-07 | 402.21 | 17.60 | 384.62 | 6153.85 |
| 37 | 2027-08 | 401.18 | 16.56 | 384.62 | 5769.23 |
| 38 | 2027-09 | 400.14 | 15.53 | 384.62 | 5384.62 |
| 39 | 2027-10 | 399.11 | 14.49 | 384.62 | 5000.00 |
| 40 | 2027-11 | 398.07 | 13.46 | 384.62 | 4615.38 |
| 41 | 2027-12 | 397.04 | 12.42 | 384.62 | 4230.77 |
| 42 | 2028-01 | 396.00 | 11.39 | 384.62 | 3846.15 |
| 43 | 2028-02 | 394.97 | 10.35 | 384.62 | 3461.54 |
| 44 | 2028-03 | 393.93 | 9.32 | 384.62 | 3076.92 |
| 45 | 2028-04 | 392.90 | 8.28 | 384.62 | 2692.31 |
| 46 | 2028-05 | 391.86 | 7.25 | 384.62 | 2307.69 |
| 47 | 2028-06 | 390.83 | 6.21 | 384.62 | 1923.08 |
| 48 | 2028-07 | 389.79 | 5.18 | 384.62 | 1538.46 |
| 49 | 2028-08 | 388.76 | 4.14 | 384.62 | 1153.85 |
| 50 | 2028-09 | 387.72 | 3.11 | 384.62 | 769.23 |
| 51 | 2028-10 | 386.69 | 2.07 | 384.62 | 384.62 |
| 52 | 2028-11 | 385.65 | 1.04 | 384.62 | 0.00 |