贷款2万（公积金贷款）房贷，还款4年1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1个月
每月还款：436.22元
利息总额：1374.77元
本息合计：2.14万
| 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 | 436.22 | 53.83 | 382.39 | 19617.61 |
| 2 | 2024-09 | 436.22 | 52.80 | 383.42 | 19234.20 |
| 3 | 2024-10 | 436.22 | 51.77 | 384.45 | 18849.75 |
| 4 | 2024-11 | 436.22 | 50.74 | 385.48 | 18464.27 |
| 5 | 2024-12 | 436.22 | 49.70 | 386.52 | 18077.75 |
| 6 | 2025-01 | 436.22 | 48.66 | 387.56 | 17690.19 |
| 7 | 2025-02 | 436.22 | 47.62 | 388.60 | 17301.58 |
| 8 | 2025-03 | 436.22 | 46.57 | 389.65 | 16911.93 |
| 9 | 2025-04 | 436.22 | 45.52 | 390.70 | 16521.24 |
| 10 | 2025-05 | 436.22 | 44.47 | 391.75 | 16129.49 |
| 11 | 2025-06 | 436.22 | 43.42 | 392.80 | 15736.68 |
| 12 | 2025-07 | 436.22 | 42.36 | 393.86 | 15342.82 |
| 13 | 2025-08 | 436.22 | 41.30 | 394.92 | 14947.90 |
| 14 | 2025-09 | 436.22 | 40.23 | 395.98 | 14551.91 |
| 15 | 2025-10 | 436.22 | 39.17 | 397.05 | 14154.86 |
| 16 | 2025-11 | 436.22 | 38.10 | 398.12 | 13756.74 |
| 17 | 2025-12 | 436.22 | 37.03 | 399.19 | 13357.55 |
| 18 | 2026-01 | 436.22 | 35.95 | 400.27 | 12957.29 |
| 19 | 2026-02 | 436.22 | 34.88 | 401.34 | 12555.94 |
| 20 | 2026-03 | 436.22 | 33.80 | 402.42 | 12153.52 |
| 21 | 2026-04 | 436.22 | 32.71 | 403.51 | 11750.01 |
| 22 | 2026-05 | 436.22 | 31.63 | 404.59 | 11345.42 |
| 23 | 2026-06 | 436.22 | 30.54 | 405.68 | 10939.74 |
| 24 | 2026-07 | 436.22 | 29.45 | 406.77 | 10532.96 |
| 25 | 2026-08 | 436.22 | 28.35 | 407.87 | 10125.10 |
| 26 | 2026-09 | 436.22 | 27.25 | 408.97 | 9716.13 |
| 27 | 2026-10 | 436.22 | 26.15 | 410.07 | 9306.06 |
| 28 | 2026-11 | 436.22 | 25.05 | 411.17 | 8894.89 |
| 29 | 2026-12 | 436.22 | 23.94 | 412.28 | 8482.61 |
| 30 | 2027-01 | 436.22 | 22.83 | 413.39 | 8069.23 |
| 31 | 2027-02 | 436.22 | 21.72 | 414.50 | 7654.73 |
| 32 | 2027-03 | 436.22 | 20.60 | 415.62 | 7239.11 |
| 33 | 2027-04 | 436.22 | 19.49 | 416.73 | 6822.38 |
| 34 | 2027-05 | 436.22 | 18.36 | 417.86 | 6404.52 |
| 35 | 2027-06 | 436.22 | 17.24 | 418.98 | 5985.54 |
| 36 | 2027-07 | 436.22 | 16.11 | 420.11 | 5565.43 |
| 37 | 2027-08 | 436.22 | 14.98 | 421.24 | 5144.19 |
| 38 | 2027-09 | 436.22 | 13.85 | 422.37 | 4721.82 |
| 39 | 2027-10 | 436.22 | 12.71 | 423.51 | 4298.31 |
| 40 | 2027-11 | 436.22 | 11.57 | 424.65 | 3873.66 |
| 41 | 2027-12 | 436.22 | 10.43 | 425.79 | 3447.86 |
| 42 | 2028-01 | 436.22 | 9.28 | 426.94 | 3020.93 |
| 43 | 2028-02 | 436.22 | 8.13 | 428.09 | 2592.84 |
| 44 | 2028-03 | 436.22 | 6.98 | 429.24 | 2163.60 |
| 45 | 2028-04 | 436.22 | 5.82 | 430.40 | 1733.20 |
| 46 | 2028-05 | 436.22 | 4.67 | 431.55 | 1301.65 |
| 47 | 2028-06 | 436.22 | 3.50 | 432.72 | 868.93 |
| 48 | 2028-07 | 436.22 | 2.34 | 433.88 | 435.05 |
| 49 | 2028-08 | 436.22 | 1.17 | 435.05 | 0.00 |
等额本金还款方式：
贷款总额：2万
还款月数：4年1个月
首月还款：462元
每月递减：1.1元
利息总额：1345.83元
本息合计：2.13万
节省利息：28.93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 | 462.00 | 53.83 | 408.16 | 19591.84 |
| 2 | 2024-09 | 460.90 | 52.73 | 408.16 | 19183.67 |
| 3 | 2024-10 | 459.80 | 51.64 | 408.16 | 18775.51 |
| 4 | 2024-11 | 458.70 | 50.54 | 408.16 | 18367.35 |
| 5 | 2024-12 | 457.60 | 49.44 | 408.16 | 17959.18 |
| 6 | 2025-01 | 456.50 | 48.34 | 408.16 | 17551.02 |
| 7 | 2025-02 | 455.40 | 47.24 | 408.16 | 17142.86 |
| 8 | 2025-03 | 454.31 | 46.14 | 408.16 | 16734.69 |
| 9 | 2025-04 | 453.21 | 45.04 | 408.16 | 16326.53 |
| 10 | 2025-05 | 452.11 | 43.95 | 408.16 | 15918.37 |
| 11 | 2025-06 | 451.01 | 42.85 | 408.16 | 15510.20 |
| 12 | 2025-07 | 449.91 | 41.75 | 408.16 | 15102.04 |
| 13 | 2025-08 | 448.81 | 40.65 | 408.16 | 14693.88 |
| 14 | 2025-09 | 447.71 | 39.55 | 408.16 | 14285.71 |
| 15 | 2025-10 | 446.62 | 38.45 | 408.16 | 13877.55 |
| 16 | 2025-11 | 445.52 | 37.35 | 408.16 | 13469.39 |
| 17 | 2025-12 | 444.42 | 36.26 | 408.16 | 13061.22 |
| 18 | 2026-01 | 443.32 | 35.16 | 408.16 | 12653.06 |
| 19 | 2026-02 | 442.22 | 34.06 | 408.16 | 12244.90 |
| 20 | 2026-03 | 441.12 | 32.96 | 408.16 | 11836.73 |
| 21 | 2026-04 | 440.02 | 31.86 | 408.16 | 11428.57 |
| 22 | 2026-05 | 438.93 | 30.76 | 408.16 | 11020.41 |
| 23 | 2026-06 | 437.83 | 29.66 | 408.16 | 10612.24 |
| 24 | 2026-07 | 436.73 | 28.56 | 408.16 | 10204.08 |
| 25 | 2026-08 | 435.63 | 27.47 | 408.16 | 9795.92 |
| 26 | 2026-09 | 434.53 | 26.37 | 408.16 | 9387.76 |
| 27 | 2026-10 | 433.43 | 25.27 | 408.16 | 8979.59 |
| 28 | 2026-11 | 432.33 | 24.17 | 408.16 | 8571.43 |
| 29 | 2026-12 | 431.23 | 23.07 | 408.16 | 8163.27 |
| 30 | 2027-01 | 430.14 | 21.97 | 408.16 | 7755.10 |
| 31 | 2027-02 | 429.04 | 20.87 | 408.16 | 7346.94 |
| 32 | 2027-03 | 427.94 | 19.78 | 408.16 | 6938.78 |
| 33 | 2027-04 | 426.84 | 18.68 | 408.16 | 6530.61 |
| 34 | 2027-05 | 425.74 | 17.58 | 408.16 | 6122.45 |
| 35 | 2027-06 | 424.64 | 16.48 | 408.16 | 5714.29 |
| 36 | 2027-07 | 423.54 | 15.38 | 408.16 | 5306.12 |
| 37 | 2027-08 | 422.45 | 14.28 | 408.16 | 4897.96 |
| 38 | 2027-09 | 421.35 | 13.18 | 408.16 | 4489.80 |
| 39 | 2027-10 | 420.25 | 12.09 | 408.16 | 4081.63 |
| 40 | 2027-11 | 419.15 | 10.99 | 408.16 | 3673.47 |
| 41 | 2027-12 | 418.05 | 9.89 | 408.16 | 3265.31 |
| 42 | 2028-01 | 416.95 | 8.79 | 408.16 | 2857.14 |
| 43 | 2028-02 | 415.85 | 7.69 | 408.16 | 2448.98 |
| 44 | 2028-03 | 414.76 | 6.59 | 408.16 | 2040.82 |
| 45 | 2028-04 | 413.66 | 5.49 | 408.16 | 1632.65 |
| 46 | 2028-05 | 412.56 | 4.39 | 408.16 | 1224.49 |
| 47 | 2028-06 | 411.46 | 3.30 | 408.16 | 816.33 |
| 48 | 2028-07 | 410.36 | 2.20 | 408.16 | 408.16 |
| 49 | 2028-08 | 409.26 | 1.10 | 408.16 | 0.00 |