贷款14万（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：14万
还款月数：4年
每月还款：3114.3元
利息总额：9486.34元
本息合计：14.95万
| 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 | 3114.30 | 379.17 | 2735.13 | 137264.87 |
| 2 | 2025-03 | 3114.30 | 371.76 | 2742.54 | 134522.33 |
| 3 | 2025-04 | 3114.30 | 364.33 | 2749.97 | 131772.36 |
| 4 | 2025-05 | 3114.30 | 356.88 | 2757.42 | 129014.95 |
| 5 | 2025-06 | 3114.30 | 349.42 | 2764.88 | 126250.06 |
| 6 | 2025-07 | 3114.30 | 341.93 | 2772.37 | 123477.69 |
| 7 | 2025-08 | 3114.30 | 334.42 | 2779.88 | 120697.81 |
| 8 | 2025-09 | 3114.30 | 326.89 | 2787.41 | 117910.40 |
| 9 | 2025-10 | 3114.30 | 319.34 | 2794.96 | 115115.44 |
| 10 | 2025-11 | 3114.30 | 311.77 | 2802.53 | 112312.92 |
| 11 | 2025-12 | 3114.30 | 304.18 | 2810.12 | 109502.80 |
| 12 | 2026-01 | 3114.30 | 296.57 | 2817.73 | 106685.07 |
| 13 | 2026-02 | 3114.30 | 288.94 | 2825.36 | 103859.71 |
| 14 | 2026-03 | 3114.30 | 281.29 | 2833.01 | 101026.70 |
| 15 | 2026-04 | 3114.30 | 273.61 | 2840.68 | 98186.01 |
| 16 | 2026-05 | 3114.30 | 265.92 | 2848.38 | 95337.63 |
| 17 | 2026-06 | 3114.30 | 258.21 | 2856.09 | 92481.54 |
| 18 | 2026-07 | 3114.30 | 250.47 | 2863.83 | 89617.71 |
| 19 | 2026-08 | 3114.30 | 242.71 | 2871.58 | 86746.13 |
| 20 | 2026-09 | 3114.30 | 234.94 | 2879.36 | 83866.77 |
| 21 | 2026-10 | 3114.30 | 227.14 | 2887.16 | 80979.61 |
| 22 | 2026-11 | 3114.30 | 219.32 | 2894.98 | 78084.63 |
| 23 | 2026-12 | 3114.30 | 211.48 | 2902.82 | 75181.81 |
| 24 | 2027-01 | 3114.30 | 203.62 | 2910.68 | 72271.13 |
| 25 | 2027-02 | 3114.30 | 195.73 | 2918.56 | 69352.56 |
| 26 | 2027-03 | 3114.30 | 187.83 | 2926.47 | 66426.09 |
| 27 | 2027-04 | 3114.30 | 179.90 | 2934.39 | 63491.70 |
| 28 | 2027-05 | 3114.30 | 171.96 | 2942.34 | 60549.36 |
| 29 | 2027-06 | 3114.30 | 163.99 | 2950.31 | 57599.05 |
| 30 | 2027-07 | 3114.30 | 156.00 | 2958.30 | 54640.74 |
| 31 | 2027-08 | 3114.30 | 147.99 | 2966.31 | 51674.43 |
| 32 | 2027-09 | 3114.30 | 139.95 | 2974.35 | 48700.08 |
| 33 | 2027-10 | 3114.30 | 131.90 | 2982.40 | 45717.68 |
| 34 | 2027-11 | 3114.30 | 123.82 | 2990.48 | 42727.20 |
| 35 | 2027-12 | 3114.30 | 115.72 | 2998.58 | 39728.62 |
| 36 | 2028-01 | 3114.30 | 107.60 | 3006.70 | 36721.92 |
| 37 | 2028-02 | 3114.30 | 99.46 | 3014.84 | 33707.08 |
| 38 | 2028-03 | 3114.30 | 91.29 | 3023.01 | 30684.07 |
| 39 | 2028-04 | 3114.30 | 83.10 | 3031.20 | 27652.87 |
| 40 | 2028-05 | 3114.30 | 74.89 | 3039.41 | 24613.47 |
| 41 | 2028-06 | 3114.30 | 66.66 | 3047.64 | 21565.83 |
| 42 | 2028-07 | 3114.30 | 58.41 | 3055.89 | 18509.94 |
| 43 | 2028-08 | 3114.30 | 50.13 | 3064.17 | 15445.77 |
| 44 | 2028-09 | 3114.30 | 41.83 | 3072.47 | 12373.30 |
| 45 | 2028-10 | 3114.30 | 33.51 | 3080.79 | 9292.52 |
| 46 | 2028-11 | 3114.30 | 25.17 | 3089.13 | 6203.39 |
| 47 | 2028-12 | 3114.30 | 16.80 | 3097.50 | 3105.89 |
| 48 | 2029-01 | 3114.30 | 8.41 | 3105.89 | 0.00 |
等额本金还款方式：
贷款总额：14万
还款月数：4年
首月还款：3295.83元
每月递减：7.9元
利息总额：9289.58元
本息合计：14.93万
节省利息：196.76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 | 3295.83 | 379.17 | 2916.67 | 137083.33 |
| 2 | 2025-03 | 3287.93 | 371.27 | 2916.67 | 134166.67 |
| 3 | 2025-04 | 3280.03 | 363.37 | 2916.67 | 131250.00 |
| 4 | 2025-05 | 3272.14 | 355.47 | 2916.67 | 128333.33 |
| 5 | 2025-06 | 3264.24 | 347.57 | 2916.67 | 125416.67 |
| 6 | 2025-07 | 3256.34 | 339.67 | 2916.67 | 122500.00 |
| 7 | 2025-08 | 3248.44 | 331.77 | 2916.67 | 119583.33 |
| 8 | 2025-09 | 3240.54 | 323.87 | 2916.67 | 116666.67 |
| 9 | 2025-10 | 3232.64 | 315.97 | 2916.67 | 113750.00 |
| 10 | 2025-11 | 3224.74 | 308.07 | 2916.67 | 110833.33 |
| 11 | 2025-12 | 3216.84 | 300.17 | 2916.67 | 107916.67 |
| 12 | 2026-01 | 3208.94 | 292.27 | 2916.67 | 105000.00 |
| 13 | 2026-02 | 3201.04 | 284.38 | 2916.67 | 102083.33 |
| 14 | 2026-03 | 3193.14 | 276.48 | 2916.67 | 99166.67 |
| 15 | 2026-04 | 3185.24 | 268.58 | 2916.67 | 96250.00 |
| 16 | 2026-05 | 3177.34 | 260.68 | 2916.67 | 93333.33 |
| 17 | 2026-06 | 3169.44 | 252.78 | 2916.67 | 90416.67 |
| 18 | 2026-07 | 3161.55 | 244.88 | 2916.67 | 87500.00 |
| 19 | 2026-08 | 3153.65 | 236.98 | 2916.67 | 84583.33 |
| 20 | 2026-09 | 3145.75 | 229.08 | 2916.67 | 81666.67 |
| 21 | 2026-10 | 3137.85 | 221.18 | 2916.67 | 78750.00 |
| 22 | 2026-11 | 3129.95 | 213.28 | 2916.67 | 75833.33 |
| 23 | 2026-12 | 3122.05 | 205.38 | 2916.67 | 72916.67 |
| 24 | 2027-01 | 3114.15 | 197.48 | 2916.67 | 70000.00 |
| 25 | 2027-02 | 3106.25 | 189.58 | 2916.67 | 67083.33 |
| 26 | 2027-03 | 3098.35 | 181.68 | 2916.67 | 64166.67 |
| 27 | 2027-04 | 3090.45 | 173.78 | 2916.67 | 61250.00 |
| 28 | 2027-05 | 3082.55 | 165.89 | 2916.67 | 58333.33 |
| 29 | 2027-06 | 3074.65 | 157.99 | 2916.67 | 55416.67 |
| 30 | 2027-07 | 3066.75 | 150.09 | 2916.67 | 52500.00 |
| 31 | 2027-08 | 3058.85 | 142.19 | 2916.67 | 49583.33 |
| 32 | 2027-09 | 3050.95 | 134.29 | 2916.67 | 46666.67 |
| 33 | 2027-10 | 3043.06 | 126.39 | 2916.67 | 43750.00 |
| 34 | 2027-11 | 3035.16 | 118.49 | 2916.67 | 40833.33 |
| 35 | 2027-12 | 3027.26 | 110.59 | 2916.67 | 37916.67 |
| 36 | 2028-01 | 3019.36 | 102.69 | 2916.67 | 35000.00 |
| 37 | 2028-02 | 3011.46 | 94.79 | 2916.67 | 32083.33 |
| 38 | 2028-03 | 3003.56 | 86.89 | 2916.67 | 29166.67 |
| 39 | 2028-04 | 2995.66 | 78.99 | 2916.67 | 26250.00 |
| 40 | 2028-05 | 2987.76 | 71.09 | 2916.67 | 23333.33 |
| 41 | 2028-06 | 2979.86 | 63.19 | 2916.67 | 20416.67 |
| 42 | 2028-07 | 2971.96 | 55.30 | 2916.67 | 17500.00 |
| 43 | 2028-08 | 2964.06 | 47.40 | 2916.67 | 14583.33 |
| 44 | 2028-09 | 2956.16 | 39.50 | 2916.67 | 11666.67 |
| 45 | 2028-10 | 2948.26 | 31.60 | 2916.67 | 8750.00 |
| 46 | 2028-11 | 2940.36 | 23.70 | 2916.67 | 5833.33 |
| 47 | 2028-12 | 2932.47 | 15.80 | 2916.67 | 2916.67 |
| 48 | 2029-01 | 2924.57 | 7.90 | 2916.67 | 0.00 |