贷款2000元（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：2000元
还款月数：4年
每月还款：44.47元
利息总额：134.67元
本息合计：2134.67元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 44.47 | 5.38 | 39.09 | 1960.91 |
| 2 | 2025-02 | 44.47 | 5.28 | 39.19 | 1921.72 |
| 3 | 2025-03 | 44.47 | 5.17 | 39.30 | 1882.42 |
| 4 | 2025-04 | 44.47 | 5.07 | 39.41 | 1843.01 |
| 5 | 2025-05 | 44.47 | 4.96 | 39.51 | 1803.50 |
| 6 | 2025-06 | 44.47 | 4.85 | 39.62 | 1763.88 |
| 7 | 2025-07 | 44.47 | 4.75 | 39.72 | 1724.16 |
| 8 | 2025-08 | 44.47 | 4.64 | 39.83 | 1684.33 |
| 9 | 2025-09 | 44.47 | 4.53 | 39.94 | 1644.39 |
| 10 | 2025-10 | 44.47 | 4.43 | 40.05 | 1604.34 |
| 11 | 2025-11 | 44.47 | 4.32 | 40.15 | 1564.19 |
| 12 | 2025-12 | 44.47 | 4.21 | 40.26 | 1523.93 |
| 13 | 2026-01 | 44.47 | 4.10 | 40.37 | 1483.56 |
| 14 | 2026-02 | 44.47 | 3.99 | 40.48 | 1443.08 |
| 15 | 2026-03 | 44.47 | 3.88 | 40.59 | 1402.49 |
| 16 | 2026-04 | 44.47 | 3.78 | 40.70 | 1361.79 |
| 17 | 2026-05 | 44.47 | 3.67 | 40.81 | 1320.98 |
| 18 | 2026-06 | 44.47 | 3.56 | 40.92 | 1280.07 |
| 19 | 2026-07 | 44.47 | 3.45 | 41.03 | 1239.04 |
| 20 | 2026-08 | 44.47 | 3.34 | 41.14 | 1197.90 |
| 21 | 2026-09 | 44.47 | 3.22 | 41.25 | 1156.66 |
| 22 | 2026-10 | 44.47 | 3.11 | 41.36 | 1115.30 |
| 23 | 2026-11 | 44.47 | 3.00 | 41.47 | 1073.83 |
| 24 | 2026-12 | 44.47 | 2.89 | 41.58 | 1032.25 |
| 25 | 2027-01 | 44.47 | 2.78 | 41.69 | 990.55 |
| 26 | 2027-02 | 44.47 | 2.67 | 41.81 | 948.75 |
| 27 | 2027-03 | 44.47 | 2.55 | 41.92 | 906.83 |
| 28 | 2027-04 | 44.47 | 2.44 | 42.03 | 864.80 |
| 29 | 2027-05 | 44.47 | 2.33 | 42.14 | 822.65 |
| 30 | 2027-06 | 44.47 | 2.21 | 42.26 | 780.39 |
| 31 | 2027-07 | 44.47 | 2.10 | 42.37 | 738.02 |
| 32 | 2027-08 | 44.47 | 1.99 | 42.49 | 695.54 |
| 33 | 2027-09 | 44.47 | 1.87 | 42.60 | 652.94 |
| 34 | 2027-10 | 44.47 | 1.76 | 42.71 | 610.22 |
| 35 | 2027-11 | 44.47 | 1.64 | 42.83 | 567.39 |
| 36 | 2027-12 | 44.47 | 1.53 | 42.95 | 524.45 |
| 37 | 2028-01 | 44.47 | 1.41 | 43.06 | 481.39 |
| 38 | 2028-02 | 44.47 | 1.30 | 43.18 | 438.21 |
| 39 | 2028-03 | 44.47 | 1.18 | 43.29 | 394.92 |
| 40 | 2028-04 | 44.47 | 1.06 | 43.41 | 351.51 |
| 41 | 2028-05 | 44.47 | 0.95 | 43.53 | 307.98 |
| 42 | 2028-06 | 44.47 | 0.83 | 43.64 | 264.34 |
| 43 | 2028-07 | 44.47 | 0.71 | 43.76 | 220.58 |
| 44 | 2028-08 | 44.47 | 0.59 | 43.88 | 176.70 |
| 45 | 2028-09 | 44.47 | 0.48 | 44.00 | 132.70 |
| 46 | 2028-10 | 44.47 | 0.36 | 44.12 | 88.59 |
| 47 | 2028-11 | 44.47 | 0.24 | 44.23 | 44.35 |
| 48 | 2028-12 | 44.47 | 0.12 | 44.35 | 0.00 |
等额本金还款方式：
贷款总额：2000元
还款月数：4年
首月还款：47.05元
每月递减：0.11元
利息总额：131.89元
本息合计：2131.89元
节省利息：2.78元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 47.05 | 5.38 | 41.67 | 1958.33 |
| 2 | 2025-02 | 46.94 | 5.27 | 41.67 | 1916.67 |
| 3 | 2025-03 | 46.83 | 5.16 | 41.67 | 1875.00 |
| 4 | 2025-04 | 46.71 | 5.05 | 41.67 | 1833.33 |
| 5 | 2025-05 | 46.60 | 4.93 | 41.67 | 1791.67 |
| 6 | 2025-06 | 46.49 | 4.82 | 41.67 | 1750.00 |
| 7 | 2025-07 | 46.38 | 4.71 | 41.67 | 1708.33 |
| 8 | 2025-08 | 46.26 | 4.60 | 41.67 | 1666.67 |
| 9 | 2025-09 | 46.15 | 4.49 | 41.67 | 1625.00 |
| 10 | 2025-10 | 46.04 | 4.37 | 41.67 | 1583.33 |
| 11 | 2025-11 | 45.93 | 4.26 | 41.67 | 1541.67 |
| 12 | 2025-12 | 45.82 | 4.15 | 41.67 | 1500.00 |
| 13 | 2026-01 | 45.70 | 4.04 | 41.67 | 1458.33 |
| 14 | 2026-02 | 45.59 | 3.93 | 41.67 | 1416.67 |
| 15 | 2026-03 | 45.48 | 3.81 | 41.67 | 1375.00 |
| 16 | 2026-04 | 45.37 | 3.70 | 41.67 | 1333.33 |
| 17 | 2026-05 | 45.26 | 3.59 | 41.67 | 1291.67 |
| 18 | 2026-06 | 45.14 | 3.48 | 41.67 | 1250.00 |
| 19 | 2026-07 | 45.03 | 3.36 | 41.67 | 1208.33 |
| 20 | 2026-08 | 44.92 | 3.25 | 41.67 | 1166.67 |
| 21 | 2026-09 | 44.81 | 3.14 | 41.67 | 1125.00 |
| 22 | 2026-10 | 44.69 | 3.03 | 41.67 | 1083.33 |
| 23 | 2026-11 | 44.58 | 2.92 | 41.67 | 1041.67 |
| 24 | 2026-12 | 44.47 | 2.80 | 41.67 | 1000.00 |
| 25 | 2027-01 | 44.36 | 2.69 | 41.67 | 958.33 |
| 26 | 2027-02 | 44.25 | 2.58 | 41.67 | 916.67 |
| 27 | 2027-03 | 44.13 | 2.47 | 41.67 | 875.00 |
| 28 | 2027-04 | 44.02 | 2.36 | 41.67 | 833.33 |
| 29 | 2027-05 | 43.91 | 2.24 | 41.67 | 791.67 |
| 30 | 2027-06 | 43.80 | 2.13 | 41.67 | 750.00 |
| 31 | 2027-07 | 43.69 | 2.02 | 41.67 | 708.33 |
| 32 | 2027-08 | 43.57 | 1.91 | 41.67 | 666.67 |
| 33 | 2027-09 | 43.46 | 1.79 | 41.67 | 625.00 |
| 34 | 2027-10 | 43.35 | 1.68 | 41.67 | 583.33 |
| 35 | 2027-11 | 43.24 | 1.57 | 41.67 | 541.67 |
| 36 | 2027-12 | 43.12 | 1.46 | 41.67 | 500.00 |
| 37 | 2028-01 | 43.01 | 1.35 | 41.67 | 458.33 |
| 38 | 2028-02 | 42.90 | 1.23 | 41.67 | 416.67 |
| 39 | 2028-03 | 42.79 | 1.12 | 41.67 | 375.00 |
| 40 | 2028-04 | 42.68 | 1.01 | 41.67 | 333.33 |
| 41 | 2028-05 | 42.56 | 0.90 | 41.67 | 291.67 |
| 42 | 2028-06 | 42.45 | 0.79 | 41.67 | 250.00 |
| 43 | 2028-07 | 42.34 | 0.67 | 41.67 | 208.33 |
| 44 | 2028-08 | 42.23 | 0.56 | 41.67 | 166.67 |
| 45 | 2028-09 | 42.12 | 0.45 | 41.67 | 125.00 |
| 46 | 2028-10 | 42.00 | 0.34 | 41.67 | 83.33 |
| 47 | 2028-11 | 41.89 | 0.22 | 41.67 | 41.67 |
| 48 | 2028-12 | 41.78 | 0.11 | 41.67 | 0.00 |