贷款19.33万（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：19.33万
还款月数：4年
每月还款：4258.89元
利息总额：1.11万
本息合计：20.44万
| 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 | 4258.89 | 446.96 | 3811.93 | 189466.07 |
| 2 | 2025-04 | 4258.89 | 438.14 | 3820.75 | 185645.32 |
| 3 | 2025-05 | 4258.89 | 429.30 | 3829.58 | 181815.74 |
| 4 | 2025-06 | 4258.89 | 420.45 | 3838.44 | 177977.31 |
| 5 | 2025-07 | 4258.89 | 411.57 | 3847.31 | 174129.99 |
| 6 | 2025-08 | 4258.89 | 402.68 | 3856.21 | 170273.79 |
| 7 | 2025-09 | 4258.89 | 393.76 | 3865.13 | 166408.66 |
| 8 | 2025-10 | 4258.89 | 384.82 | 3874.07 | 162534.59 |
| 9 | 2025-11 | 4258.89 | 375.86 | 3883.02 | 158651.57 |
| 10 | 2025-12 | 4258.89 | 366.88 | 3892.00 | 154759.56 |
| 11 | 2026-01 | 4258.89 | 357.88 | 3901.00 | 150858.56 |
| 12 | 2026-02 | 4258.89 | 348.86 | 3910.02 | 146948.54 |
| 13 | 2026-03 | 4258.89 | 339.82 | 3919.07 | 143029.47 |
| 14 | 2026-04 | 4258.89 | 330.76 | 3928.13 | 139101.34 |
| 15 | 2026-05 | 4258.89 | 321.67 | 3937.21 | 135164.13 |
| 16 | 2026-06 | 4258.89 | 312.57 | 3946.32 | 131217.81 |
| 17 | 2026-07 | 4258.89 | 303.44 | 3955.44 | 127262.36 |
| 18 | 2026-08 | 4258.89 | 294.29 | 3964.59 | 123297.77 |
| 19 | 2026-09 | 4258.89 | 285.13 | 3973.76 | 119324.01 |
| 20 | 2026-10 | 4258.89 | 275.94 | 3982.95 | 115341.06 |
| 21 | 2026-11 | 4258.89 | 266.73 | 3992.16 | 111348.90 |
| 22 | 2026-12 | 4258.89 | 257.49 | 4001.39 | 107347.51 |
| 23 | 2027-01 | 4258.89 | 248.24 | 4010.64 | 103336.87 |
| 24 | 2027-02 | 4258.89 | 238.97 | 4019.92 | 99316.95 |
| 25 | 2027-03 | 4258.89 | 229.67 | 4029.21 | 95287.74 |
| 26 | 2027-04 | 4258.89 | 220.35 | 4038.53 | 91249.20 |
| 27 | 2027-05 | 4258.89 | 211.01 | 4047.87 | 87201.33 |
| 28 | 2027-06 | 4258.89 | 201.65 | 4057.23 | 83144.10 |
| 29 | 2027-07 | 4258.89 | 192.27 | 4066.61 | 79077.48 |
| 30 | 2027-08 | 4258.89 | 182.87 | 4076.02 | 75001.47 |
| 31 | 2027-09 | 4258.89 | 173.44 | 4085.44 | 70916.02 |
| 32 | 2027-10 | 4258.89 | 163.99 | 4094.89 | 66821.13 |
| 33 | 2027-11 | 4258.89 | 154.52 | 4104.36 | 62716.77 |
| 34 | 2027-12 | 4258.89 | 145.03 | 4113.85 | 58602.91 |
| 35 | 2028-01 | 4258.89 | 135.52 | 4123.37 | 54479.55 |
| 36 | 2028-02 | 4258.89 | 125.98 | 4132.90 | 50346.65 |
| 37 | 2028-03 | 4258.89 | 116.43 | 4142.46 | 46204.19 |
| 38 | 2028-04 | 4258.89 | 106.85 | 4152.04 | 42052.15 |
| 39 | 2028-05 | 4258.89 | 97.25 | 4161.64 | 37890.51 |
| 40 | 2028-06 | 4258.89 | 87.62 | 4171.26 | 33719.25 |
| 41 | 2028-07 | 4258.89 | 77.98 | 4180.91 | 29538.34 |
| 42 | 2028-08 | 4258.89 | 68.31 | 4190.58 | 25347.76 |
| 43 | 2028-09 | 4258.89 | 58.62 | 4200.27 | 21147.49 |
| 44 | 2028-10 | 4258.89 | 48.90 | 4209.98 | 16937.51 |
| 45 | 2028-11 | 4258.89 | 39.17 | 4219.72 | 12717.79 |
| 46 | 2028-12 | 4258.89 | 29.41 | 4229.48 | 8488.32 |
| 47 | 2029-01 | 4258.89 | 19.63 | 4239.26 | 4249.06 |
| 48 | 2029-02 | 4258.89 | 9.83 | 4249.06 | 0.00 |
等额本金还款方式：
贷款总额：19.33万
还款月数：4年
首月还款：4473.58元
每月递减：9.31元
利息总额：1.1万
本息合计：20.42万
节省利息：198.09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 | 4473.58 | 446.96 | 4026.63 | 189251.38 |
| 2 | 2025-04 | 4464.27 | 437.64 | 4026.63 | 185224.75 |
| 3 | 2025-05 | 4454.96 | 428.33 | 4026.63 | 181198.13 |
| 4 | 2025-06 | 4445.65 | 419.02 | 4026.63 | 177171.50 |
| 5 | 2025-07 | 4436.33 | 409.71 | 4026.63 | 173144.88 |
| 6 | 2025-08 | 4427.02 | 400.40 | 4026.63 | 169118.25 |
| 7 | 2025-09 | 4417.71 | 391.09 | 4026.63 | 165091.63 |
| 8 | 2025-10 | 4408.40 | 381.77 | 4026.63 | 161065.00 |
| 9 | 2025-11 | 4399.09 | 372.46 | 4026.63 | 157038.38 |
| 10 | 2025-12 | 4389.78 | 363.15 | 4026.63 | 153011.75 |
| 11 | 2026-01 | 4380.46 | 353.84 | 4026.63 | 148985.13 |
| 12 | 2026-02 | 4371.15 | 344.53 | 4026.63 | 144958.50 |
| 13 | 2026-03 | 4361.84 | 335.22 | 4026.63 | 140931.88 |
| 14 | 2026-04 | 4352.53 | 325.90 | 4026.63 | 136905.25 |
| 15 | 2026-05 | 4343.22 | 316.59 | 4026.63 | 132878.63 |
| 16 | 2026-06 | 4333.91 | 307.28 | 4026.63 | 128852.00 |
| 17 | 2026-07 | 4324.60 | 297.97 | 4026.63 | 124825.38 |
| 18 | 2026-08 | 4315.28 | 288.66 | 4026.63 | 120798.75 |
| 19 | 2026-09 | 4305.97 | 279.35 | 4026.63 | 116772.13 |
| 20 | 2026-10 | 4296.66 | 270.04 | 4026.63 | 112745.50 |
| 21 | 2026-11 | 4287.35 | 260.72 | 4026.63 | 108718.88 |
| 22 | 2026-12 | 4278.04 | 251.41 | 4026.63 | 104692.25 |
| 23 | 2027-01 | 4268.73 | 242.10 | 4026.63 | 100665.63 |
| 24 | 2027-02 | 4259.41 | 232.79 | 4026.63 | 96639.00 |
| 25 | 2027-03 | 4250.10 | 223.48 | 4026.63 | 92612.38 |
| 26 | 2027-04 | 4240.79 | 214.17 | 4026.63 | 88585.75 |
| 27 | 2027-05 | 4231.48 | 204.85 | 4026.63 | 84559.13 |
| 28 | 2027-06 | 4222.17 | 195.54 | 4026.63 | 80532.50 |
| 29 | 2027-07 | 4212.86 | 186.23 | 4026.63 | 76505.88 |
| 30 | 2027-08 | 4203.54 | 176.92 | 4026.63 | 72479.25 |
| 31 | 2027-09 | 4194.23 | 167.61 | 4026.63 | 68452.63 |
| 32 | 2027-10 | 4184.92 | 158.30 | 4026.63 | 64426.00 |
| 33 | 2027-11 | 4175.61 | 148.99 | 4026.63 | 60399.38 |
| 34 | 2027-12 | 4166.30 | 139.67 | 4026.63 | 56372.75 |
| 35 | 2028-01 | 4156.99 | 130.36 | 4026.63 | 52346.13 |
| 36 | 2028-02 | 4147.68 | 121.05 | 4026.63 | 48319.50 |
| 37 | 2028-03 | 4138.36 | 111.74 | 4026.63 | 44292.88 |
| 38 | 2028-04 | 4129.05 | 102.43 | 4026.63 | 40266.25 |
| 39 | 2028-05 | 4119.74 | 93.12 | 4026.63 | 36239.63 |
| 40 | 2028-06 | 4110.43 | 83.80 | 4026.63 | 32213.00 |
| 41 | 2028-07 | 4101.12 | 74.49 | 4026.63 | 28186.38 |
| 42 | 2028-08 | 4091.81 | 65.18 | 4026.63 | 24159.75 |
| 43 | 2028-09 | 4082.49 | 55.87 | 4026.63 | 20133.13 |
| 44 | 2028-10 | 4073.18 | 46.56 | 4026.63 | 16106.50 |
| 45 | 2028-11 | 4063.87 | 37.25 | 4026.63 | 12079.88 |
| 46 | 2028-12 | 4054.56 | 27.93 | 4026.63 | 8053.25 |
| 47 | 2029-01 | 4045.25 | 18.62 | 4026.63 | 4026.63 |
| 48 | 2029-02 | 4035.94 | 9.31 | 4026.63 | 0.00 |