贷款88万（公积金贷款）房贷，还款4年2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：88万
还款月数：4年2个月
每月还款：18842.34元
利息总额：6.21万
本息合计：94.21万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 18842.34 | 2383.33 | 16459.01 | 863540.99 |
| 2 | 2025-03 | 18842.34 | 2338.76 | 16503.58 | 847037.41 |
| 3 | 2025-04 | 18842.34 | 2294.06 | 16548.28 | 830489.13 |
| 4 | 2025-05 | 18842.34 | 2249.24 | 16593.10 | 813896.03 |
| 5 | 2025-06 | 18842.34 | 2204.30 | 16638.04 | 797257.99 |
| 6 | 2025-07 | 18842.34 | 2159.24 | 16683.10 | 780574.89 |
| 7 | 2025-08 | 18842.34 | 2114.06 | 16728.28 | 763846.61 |
| 8 | 2025-09 | 18842.34 | 2068.75 | 16773.59 | 747073.02 |
| 9 | 2025-10 | 18842.34 | 2023.32 | 16819.02 | 730254.00 |
| 10 | 2025-11 | 18842.34 | 1977.77 | 16864.57 | 713389.44 |
| 11 | 2025-12 | 18842.34 | 1932.10 | 16910.24 | 696479.19 |
| 12 | 2026-01 | 18842.34 | 1886.30 | 16956.04 | 679523.15 |
| 13 | 2026-02 | 18842.34 | 1840.38 | 17001.96 | 662521.19 |
| 14 | 2026-03 | 18842.34 | 1794.33 | 17048.01 | 645473.17 |
| 15 | 2026-04 | 18842.34 | 1748.16 | 17094.18 | 628378.99 |
| 16 | 2026-05 | 18842.34 | 1701.86 | 17140.48 | 611238.51 |
| 17 | 2026-06 | 18842.34 | 1655.44 | 17186.90 | 594051.61 |
| 18 | 2026-07 | 18842.34 | 1608.89 | 17233.45 | 576818.16 |
| 19 | 2026-08 | 18842.34 | 1562.22 | 17280.12 | 559538.03 |
| 20 | 2026-09 | 18842.34 | 1515.42 | 17326.92 | 542211.11 |
| 21 | 2026-10 | 18842.34 | 1468.49 | 17373.85 | 524837.26 |
| 22 | 2026-11 | 18842.34 | 1421.43 | 17420.91 | 507416.35 |
| 23 | 2026-12 | 18842.34 | 1374.25 | 17468.09 | 489948.26 |
| 24 | 2027-01 | 18842.34 | 1326.94 | 17515.40 | 472432.87 |
| 25 | 2027-02 | 18842.34 | 1279.51 | 17562.83 | 454870.03 |
| 26 | 2027-03 | 18842.34 | 1231.94 | 17610.40 | 437259.63 |
| 27 | 2027-04 | 18842.34 | 1184.24 | 17658.10 | 419601.54 |
| 28 | 2027-05 | 18842.34 | 1136.42 | 17705.92 | 401895.62 |
| 29 | 2027-06 | 18842.34 | 1088.47 | 17753.87 | 384141.75 |
| 30 | 2027-07 | 18842.34 | 1040.38 | 17801.96 | 366339.79 |
| 31 | 2027-08 | 18842.34 | 992.17 | 17850.17 | 348489.62 |
| 32 | 2027-09 | 18842.34 | 943.83 | 17898.51 | 330591.11 |
| 33 | 2027-10 | 18842.34 | 895.35 | 17946.99 | 312644.12 |
| 34 | 2027-11 | 18842.34 | 846.74 | 17995.60 | 294648.52 |
| 35 | 2027-12 | 18842.34 | 798.01 | 18044.33 | 276604.19 |
| 36 | 2028-01 | 18842.34 | 749.14 | 18093.20 | 258510.98 |
| 37 | 2028-02 | 18842.34 | 700.13 | 18142.21 | 240368.78 |
| 38 | 2028-03 | 18842.34 | 651.00 | 18191.34 | 222177.44 |
| 39 | 2028-04 | 18842.34 | 601.73 | 18240.61 | 203936.83 |
| 40 | 2028-05 | 18842.34 | 552.33 | 18290.01 | 185646.82 |
| 41 | 2028-06 | 18842.34 | 502.79 | 18339.55 | 167307.27 |
| 42 | 2028-07 | 18842.34 | 453.12 | 18389.22 | 148918.05 |
| 43 | 2028-08 | 18842.34 | 403.32 | 18439.02 | 130479.03 |
| 44 | 2028-09 | 18842.34 | 353.38 | 18488.96 | 111990.07 |
| 45 | 2028-10 | 18842.34 | 303.31 | 18539.03 | 93451.04 |
| 46 | 2028-11 | 18842.34 | 253.10 | 18589.24 | 74861.80 |
| 47 | 2028-12 | 18842.34 | 202.75 | 18639.59 | 56222.21 |
| 48 | 2029-01 | 18842.34 | 152.27 | 18690.07 | 37532.14 |
| 49 | 2029-02 | 18842.34 | 101.65 | 18740.69 | 18791.45 |
| 50 | 2029-03 | 18842.34 | 50.89 | 18791.45 | 0.00 |
等额本金还款方式：
贷款总额：88万
还款月数：4年2个月
首月还款：19983.33元
每月递减：47.67元
利息总额：6.08万
本息合计：94.08万
节省利息：1342元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 19983.33 | 2383.33 | 17600.00 | 862400.00 |
| 2 | 2025-03 | 19935.67 | 2335.67 | 17600.00 | 844800.00 |
| 3 | 2025-04 | 19888.00 | 2288.00 | 17600.00 | 827200.00 |
| 4 | 2025-05 | 19840.33 | 2240.33 | 17600.00 | 809600.00 |
| 5 | 2025-06 | 19792.67 | 2192.67 | 17600.00 | 792000.00 |
| 6 | 2025-07 | 19745.00 | 2145.00 | 17600.00 | 774400.00 |
| 7 | 2025-08 | 19697.33 | 2097.33 | 17600.00 | 756800.00 |
| 8 | 2025-09 | 19649.67 | 2049.67 | 17600.00 | 739200.00 |
| 9 | 2025-10 | 19602.00 | 2002.00 | 17600.00 | 721600.00 |
| 10 | 2025-11 | 19554.33 | 1954.33 | 17600.00 | 704000.00 |
| 11 | 2025-12 | 19506.67 | 1906.67 | 17600.00 | 686400.00 |
| 12 | 2026-01 | 19459.00 | 1859.00 | 17600.00 | 668800.00 |
| 13 | 2026-02 | 19411.33 | 1811.33 | 17600.00 | 651200.00 |
| 14 | 2026-03 | 19363.67 | 1763.67 | 17600.00 | 633600.00 |
| 15 | 2026-04 | 19316.00 | 1716.00 | 17600.00 | 616000.00 |
| 16 | 2026-05 | 19268.33 | 1668.33 | 17600.00 | 598400.00 |
| 17 | 2026-06 | 19220.67 | 1620.67 | 17600.00 | 580800.00 |
| 18 | 2026-07 | 19173.00 | 1573.00 | 17600.00 | 563200.00 |
| 19 | 2026-08 | 19125.33 | 1525.33 | 17600.00 | 545600.00 |
| 20 | 2026-09 | 19077.67 | 1477.67 | 17600.00 | 528000.00 |
| 21 | 2026-10 | 19030.00 | 1430.00 | 17600.00 | 510400.00 |
| 22 | 2026-11 | 18982.33 | 1382.33 | 17600.00 | 492800.00 |
| 23 | 2026-12 | 18934.67 | 1334.67 | 17600.00 | 475200.00 |
| 24 | 2027-01 | 18887.00 | 1287.00 | 17600.00 | 457600.00 |
| 25 | 2027-02 | 18839.33 | 1239.33 | 17600.00 | 440000.00 |
| 26 | 2027-03 | 18791.67 | 1191.67 | 17600.00 | 422400.00 |
| 27 | 2027-04 | 18744.00 | 1144.00 | 17600.00 | 404800.00 |
| 28 | 2027-05 | 18696.33 | 1096.33 | 17600.00 | 387200.00 |
| 29 | 2027-06 | 18648.67 | 1048.67 | 17600.00 | 369600.00 |
| 30 | 2027-07 | 18601.00 | 1001.00 | 17600.00 | 352000.00 |
| 31 | 2027-08 | 18553.33 | 953.33 | 17600.00 | 334400.00 |
| 32 | 2027-09 | 18505.67 | 905.67 | 17600.00 | 316800.00 |
| 33 | 2027-10 | 18458.00 | 858.00 | 17600.00 | 299200.00 |
| 34 | 2027-11 | 18410.33 | 810.33 | 17600.00 | 281600.00 |
| 35 | 2027-12 | 18362.67 | 762.67 | 17600.00 | 264000.00 |
| 36 | 2028-01 | 18315.00 | 715.00 | 17600.00 | 246400.00 |
| 37 | 2028-02 | 18267.33 | 667.33 | 17600.00 | 228800.00 |
| 38 | 2028-03 | 18219.67 | 619.67 | 17600.00 | 211200.00 |
| 39 | 2028-04 | 18172.00 | 572.00 | 17600.00 | 193600.00 |
| 40 | 2028-05 | 18124.33 | 524.33 | 17600.00 | 176000.00 |
| 41 | 2028-06 | 18076.67 | 476.67 | 17600.00 | 158400.00 |
| 42 | 2028-07 | 18029.00 | 429.00 | 17600.00 | 140800.00 |
| 43 | 2028-08 | 17981.33 | 381.33 | 17600.00 | 123200.00 |
| 44 | 2028-09 | 17933.67 | 333.67 | 17600.00 | 105600.00 |
| 45 | 2028-10 | 17886.00 | 286.00 | 17600.00 | 88000.00 |
| 46 | 2028-11 | 17838.33 | 238.33 | 17600.00 | 70400.00 |
| 47 | 2028-12 | 17790.67 | 190.67 | 17600.00 | 52800.00 |
| 48 | 2029-01 | 17743.00 | 143.00 | 17600.00 | 35200.00 |
| 49 | 2029-02 | 17695.33 | 95.33 | 17600.00 | 17600.00 |
| 50 | 2029-03 | 17647.67 | 47.67 | 17600.00 | 0.00 |