贷款18.33万（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：18.33万
还款月数：4年
每月还款：4038.54元
利息总额：1.06万
本息合计：19.38万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 4038.54 | 423.83 | 3614.70 | 179663.30 |
| 2 | 2025-04 | 4038.54 | 415.47 | 3623.06 | 176040.23 |
| 3 | 2025-05 | 4038.54 | 407.09 | 3631.44 | 172408.79 |
| 4 | 2025-06 | 4038.54 | 398.70 | 3639.84 | 168768.95 |
| 5 | 2025-07 | 4038.54 | 390.28 | 3648.26 | 165120.69 |
| 6 | 2025-08 | 4038.54 | 381.84 | 3656.69 | 161464.00 |
| 7 | 2025-09 | 4038.54 | 373.39 | 3665.15 | 157798.85 |
| 8 | 2025-10 | 4038.54 | 364.91 | 3673.63 | 154125.22 |
| 9 | 2025-11 | 4038.54 | 356.41 | 3682.12 | 150443.10 |
| 10 | 2025-12 | 4038.54 | 347.90 | 3690.64 | 146752.47 |
| 11 | 2026-01 | 4038.54 | 339.37 | 3699.17 | 143053.30 |
| 12 | 2026-02 | 4038.54 | 330.81 | 3707.72 | 139345.57 |
| 13 | 2026-03 | 4038.54 | 322.24 | 3716.30 | 135629.27 |
| 14 | 2026-04 | 4038.54 | 313.64 | 3724.89 | 131904.38 |
| 15 | 2026-05 | 4038.54 | 305.03 | 3733.51 | 128170.88 |
| 16 | 2026-06 | 4038.54 | 296.40 | 3742.14 | 124428.74 |
| 17 | 2026-07 | 4038.54 | 287.74 | 3750.79 | 120677.94 |
| 18 | 2026-08 | 4038.54 | 279.07 | 3759.47 | 116918.48 |
| 19 | 2026-09 | 4038.54 | 270.37 | 3768.16 | 113150.31 |
| 20 | 2026-10 | 4038.54 | 261.66 | 3776.88 | 109373.44 |
| 21 | 2026-11 | 4038.54 | 252.93 | 3785.61 | 105587.83 |
| 22 | 2026-12 | 4038.54 | 244.17 | 3794.36 | 101793.47 |
| 23 | 2027-01 | 4038.54 | 235.40 | 3803.14 | 97990.33 |
| 24 | 2027-02 | 4038.54 | 226.60 | 3811.93 | 94178.40 |
| 25 | 2027-03 | 4038.54 | 217.79 | 3820.75 | 90357.65 |
| 26 | 2027-04 | 4038.54 | 208.95 | 3829.58 | 86528.07 |
| 27 | 2027-05 | 4038.54 | 200.10 | 3838.44 | 82689.63 |
| 28 | 2027-06 | 4038.54 | 191.22 | 3847.32 | 78842.31 |
| 29 | 2027-07 | 4038.54 | 182.32 | 3856.21 | 74986.10 |
| 30 | 2027-08 | 4038.54 | 173.41 | 3865.13 | 71120.97 |
| 31 | 2027-09 | 4038.54 | 164.47 | 3874.07 | 67246.90 |
| 32 | 2027-10 | 4038.54 | 155.51 | 3883.03 | 63363.87 |
| 33 | 2027-11 | 4038.54 | 146.53 | 3892.01 | 59471.87 |
| 34 | 2027-12 | 4038.54 | 137.53 | 3901.01 | 55570.86 |
| 35 | 2028-01 | 4038.54 | 128.51 | 3910.03 | 51660.83 |
| 36 | 2028-02 | 4038.54 | 119.47 | 3919.07 | 47741.76 |
| 37 | 2028-03 | 4038.54 | 110.40 | 3928.13 | 43813.63 |
| 38 | 2028-04 | 4038.54 | 101.32 | 3937.22 | 39876.42 |
| 39 | 2028-05 | 4038.54 | 92.21 | 3946.32 | 35930.10 |
| 40 | 2028-06 | 4038.54 | 83.09 | 3955.45 | 31974.65 |
| 41 | 2028-07 | 4038.54 | 73.94 | 3964.59 | 28010.05 |
| 42 | 2028-08 | 4038.54 | 64.77 | 3973.76 | 24036.29 |
| 43 | 2028-09 | 4038.54 | 55.58 | 3982.95 | 20053.34 |
| 44 | 2028-10 | 4038.54 | 46.37 | 3992.16 | 16061.18 |
| 45 | 2028-11 | 4038.54 | 37.14 | 4001.39 | 12059.79 |
| 46 | 2028-12 | 4038.54 | 27.89 | 4010.65 | 8049.14 |
| 47 | 2029-01 | 4038.54 | 18.61 | 4019.92 | 4029.22 |
| 48 | 2029-02 | 4038.54 | 9.32 | 4029.22 | 0.00 |
等额本金还款方式：
贷款总额：18.33万
还款月数：4年
首月还款：4242.12元
每月递减：8.83元
利息总额：1.04万
本息合计：19.37万
节省利息：187.84元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 4242.12 | 423.83 | 3818.29 | 179459.71 |
| 2 | 2025-04 | 4233.29 | 415.00 | 3818.29 | 175641.42 |
| 3 | 2025-05 | 4224.46 | 406.17 | 3818.29 | 171823.13 |
| 4 | 2025-06 | 4215.63 | 397.34 | 3818.29 | 168004.83 |
| 5 | 2025-07 | 4206.80 | 388.51 | 3818.29 | 164186.54 |
| 6 | 2025-08 | 4197.97 | 379.68 | 3818.29 | 160368.25 |
| 7 | 2025-09 | 4189.14 | 370.85 | 3818.29 | 156549.96 |
| 8 | 2025-10 | 4180.31 | 362.02 | 3818.29 | 152731.67 |
| 9 | 2025-11 | 4171.48 | 353.19 | 3818.29 | 148913.38 |
| 10 | 2025-12 | 4162.65 | 344.36 | 3818.29 | 145095.08 |
| 11 | 2026-01 | 4153.82 | 335.53 | 3818.29 | 141276.79 |
| 12 | 2026-02 | 4144.99 | 326.70 | 3818.29 | 137458.50 |
| 13 | 2026-03 | 4136.16 | 317.87 | 3818.29 | 133640.21 |
| 14 | 2026-04 | 4127.33 | 309.04 | 3818.29 | 129821.92 |
| 15 | 2026-05 | 4118.50 | 300.21 | 3818.29 | 126003.63 |
| 16 | 2026-06 | 4109.68 | 291.38 | 3818.29 | 122185.33 |
| 17 | 2026-07 | 4100.85 | 282.55 | 3818.29 | 118367.04 |
| 18 | 2026-08 | 4092.02 | 273.72 | 3818.29 | 114548.75 |
| 19 | 2026-09 | 4083.19 | 264.89 | 3818.29 | 110730.46 |
| 20 | 2026-10 | 4074.36 | 256.06 | 3818.29 | 106912.17 |
| 21 | 2026-11 | 4065.53 | 247.23 | 3818.29 | 103093.88 |
| 22 | 2026-12 | 4056.70 | 238.40 | 3818.29 | 99275.58 |
| 23 | 2027-01 | 4047.87 | 229.57 | 3818.29 | 95457.29 |
| 24 | 2027-02 | 4039.04 | 220.74 | 3818.29 | 91639.00 |
| 25 | 2027-03 | 4030.21 | 211.92 | 3818.29 | 87820.71 |
| 26 | 2027-04 | 4021.38 | 203.09 | 3818.29 | 84002.42 |
| 27 | 2027-05 | 4012.55 | 194.26 | 3818.29 | 80184.13 |
| 28 | 2027-06 | 4003.72 | 185.43 | 3818.29 | 76365.83 |
| 29 | 2027-07 | 3994.89 | 176.60 | 3818.29 | 72547.54 |
| 30 | 2027-08 | 3986.06 | 167.77 | 3818.29 | 68729.25 |
| 31 | 2027-09 | 3977.23 | 158.94 | 3818.29 | 64910.96 |
| 32 | 2027-10 | 3968.40 | 150.11 | 3818.29 | 61092.67 |
| 33 | 2027-11 | 3959.57 | 141.28 | 3818.29 | 57274.38 |
| 34 | 2027-12 | 3950.74 | 132.45 | 3818.29 | 53456.08 |
| 35 | 2028-01 | 3941.91 | 123.62 | 3818.29 | 49637.79 |
| 36 | 2028-02 | 3933.08 | 114.79 | 3818.29 | 45819.50 |
| 37 | 2028-03 | 3924.25 | 105.96 | 3818.29 | 42001.21 |
| 38 | 2028-04 | 3915.42 | 97.13 | 3818.29 | 38182.92 |
| 39 | 2028-05 | 3906.59 | 88.30 | 3818.29 | 34364.63 |
| 40 | 2028-06 | 3897.76 | 79.47 | 3818.29 | 30546.33 |
| 41 | 2028-07 | 3888.93 | 70.64 | 3818.29 | 26728.04 |
| 42 | 2028-08 | 3880.10 | 61.81 | 3818.29 | 22909.75 |
| 43 | 2028-09 | 3871.27 | 52.98 | 3818.29 | 19091.46 |
| 44 | 2028-10 | 3862.44 | 44.15 | 3818.29 | 15273.17 |
| 45 | 2028-11 | 3853.61 | 35.32 | 3818.29 | 11454.88 |
| 46 | 2028-12 | 3844.78 | 26.49 | 3818.29 | 7636.58 |
| 47 | 2029-01 | 3835.95 | 17.66 | 3818.29 | 3818.29 |
| 48 | 2029-02 | 3827.12 | 8.83 | 3818.29 | 0.00 |