贷款22万（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：22万
还款月数：4年
每月还款：4893.9元
利息总额：1.49万
本息合计：23.49万
| 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 | 4893.90 | 595.83 | 4298.06 | 215701.94 |
| 2 | 2025-03 | 4893.90 | 584.19 | 4309.71 | 211392.23 |
| 3 | 2025-04 | 4893.90 | 572.52 | 4321.38 | 207070.85 |
| 4 | 2025-05 | 4893.90 | 560.82 | 4333.08 | 202737.77 |
| 5 | 2025-06 | 4893.90 | 549.08 | 4344.82 | 198392.95 |
| 6 | 2025-07 | 4893.90 | 537.31 | 4356.58 | 194036.37 |
| 7 | 2025-08 | 4893.90 | 525.52 | 4368.38 | 189667.99 |
| 8 | 2025-09 | 4893.90 | 513.68 | 4380.21 | 185287.77 |
| 9 | 2025-10 | 4893.90 | 501.82 | 4392.08 | 180895.70 |
| 10 | 2025-11 | 4893.90 | 489.93 | 4403.97 | 176491.72 |
| 11 | 2025-12 | 4893.90 | 478.00 | 4415.90 | 172075.82 |
| 12 | 2026-01 | 4893.90 | 466.04 | 4427.86 | 167647.97 |
| 13 | 2026-02 | 4893.90 | 454.05 | 4439.85 | 163208.11 |
| 14 | 2026-03 | 4893.90 | 442.02 | 4451.88 | 158756.24 |
| 15 | 2026-04 | 4893.90 | 429.96 | 4463.93 | 154292.30 |
| 16 | 2026-05 | 4893.90 | 417.87 | 4476.02 | 149816.28 |
| 17 | 2026-06 | 4893.90 | 405.75 | 4488.15 | 145328.14 |
| 18 | 2026-07 | 4893.90 | 393.60 | 4500.30 | 140827.83 |
| 19 | 2026-08 | 4893.90 | 381.41 | 4512.49 | 136315.34 |
| 20 | 2026-09 | 4893.90 | 369.19 | 4524.71 | 131790.63 |
| 21 | 2026-10 | 4893.90 | 356.93 | 4536.97 | 127253.67 |
| 22 | 2026-11 | 4893.90 | 344.65 | 4549.25 | 122704.42 |
| 23 | 2026-12 | 4893.90 | 332.32 | 4561.57 | 118142.84 |
| 24 | 2027-01 | 4893.90 | 319.97 | 4573.93 | 113568.91 |
| 25 | 2027-02 | 4893.90 | 307.58 | 4586.32 | 108982.60 |
| 26 | 2027-03 | 4893.90 | 295.16 | 4598.74 | 104383.86 |
| 27 | 2027-04 | 4893.90 | 282.71 | 4611.19 | 99772.67 |
| 28 | 2027-05 | 4893.90 | 270.22 | 4623.68 | 95148.99 |
| 29 | 2027-06 | 4893.90 | 257.70 | 4636.20 | 90512.79 |
| 30 | 2027-07 | 4893.90 | 245.14 | 4648.76 | 85864.03 |
| 31 | 2027-08 | 4893.90 | 232.55 | 4661.35 | 81202.68 |
| 32 | 2027-09 | 4893.90 | 219.92 | 4673.97 | 76528.70 |
| 33 | 2027-10 | 4893.90 | 207.27 | 4686.63 | 71842.07 |
| 34 | 2027-11 | 4893.90 | 194.57 | 4699.33 | 67142.74 |
| 35 | 2027-12 | 4893.90 | 181.84 | 4712.05 | 62430.69 |
| 36 | 2028-01 | 4893.90 | 169.08 | 4724.82 | 57705.88 |
| 37 | 2028-02 | 4893.90 | 156.29 | 4737.61 | 52968.27 |
| 38 | 2028-03 | 4893.90 | 143.46 | 4750.44 | 48217.82 |
| 39 | 2028-04 | 4893.90 | 130.59 | 4763.31 | 43454.51 |
| 40 | 2028-05 | 4893.90 | 117.69 | 4776.21 | 38678.31 |
| 41 | 2028-06 | 4893.90 | 104.75 | 4789.14 | 33889.16 |
| 42 | 2028-07 | 4893.90 | 91.78 | 4802.11 | 29087.05 |
| 43 | 2028-08 | 4893.90 | 78.78 | 4815.12 | 24271.93 |
| 44 | 2028-09 | 4893.90 | 65.74 | 4828.16 | 19443.76 |
| 45 | 2028-10 | 4893.90 | 52.66 | 4841.24 | 14602.53 |
| 46 | 2028-11 | 4893.90 | 39.55 | 4854.35 | 9748.18 |
| 47 | 2028-12 | 4893.90 | 26.40 | 4867.50 | 4880.68 |
| 48 | 2029-01 | 4893.90 | 13.22 | 4880.68 | 0.00 |
等额本金还款方式：
贷款总额：22万
还款月数：4年
首月还款：5179.17元
每月递减：12.41元
利息总额：1.46万
本息合计：23.46万
节省利息：309.19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 | 5179.17 | 595.83 | 4583.33 | 215416.67 |
| 2 | 2025-03 | 5166.75 | 583.42 | 4583.33 | 210833.33 |
| 3 | 2025-04 | 5154.34 | 571.01 | 4583.33 | 206250.00 |
| 4 | 2025-05 | 5141.93 | 558.59 | 4583.33 | 201666.67 |
| 5 | 2025-06 | 5129.51 | 546.18 | 4583.33 | 197083.33 |
| 6 | 2025-07 | 5117.10 | 533.77 | 4583.33 | 192500.00 |
| 7 | 2025-08 | 5104.69 | 521.35 | 4583.33 | 187916.67 |
| 8 | 2025-09 | 5092.27 | 508.94 | 4583.33 | 183333.33 |
| 9 | 2025-10 | 5079.86 | 496.53 | 4583.33 | 178750.00 |
| 10 | 2025-11 | 5067.45 | 484.11 | 4583.33 | 174166.67 |
| 11 | 2025-12 | 5055.03 | 471.70 | 4583.33 | 169583.33 |
| 12 | 2026-01 | 5042.62 | 459.29 | 4583.33 | 165000.00 |
| 13 | 2026-02 | 5030.21 | 446.88 | 4583.33 | 160416.67 |
| 14 | 2026-03 | 5017.80 | 434.46 | 4583.33 | 155833.33 |
| 15 | 2026-04 | 5005.38 | 422.05 | 4583.33 | 151250.00 |
| 16 | 2026-05 | 4992.97 | 409.64 | 4583.33 | 146666.67 |
| 17 | 2026-06 | 4980.56 | 397.22 | 4583.33 | 142083.33 |
| 18 | 2026-07 | 4968.14 | 384.81 | 4583.33 | 137500.00 |
| 19 | 2026-08 | 4955.73 | 372.40 | 4583.33 | 132916.67 |
| 20 | 2026-09 | 4943.32 | 359.98 | 4583.33 | 128333.33 |
| 21 | 2026-10 | 4930.90 | 347.57 | 4583.33 | 123750.00 |
| 22 | 2026-11 | 4918.49 | 335.16 | 4583.33 | 119166.67 |
| 23 | 2026-12 | 4906.08 | 322.74 | 4583.33 | 114583.33 |
| 24 | 2027-01 | 4893.66 | 310.33 | 4583.33 | 110000.00 |
| 25 | 2027-02 | 4881.25 | 297.92 | 4583.33 | 105416.67 |
| 26 | 2027-03 | 4868.84 | 285.50 | 4583.33 | 100833.33 |
| 27 | 2027-04 | 4856.42 | 273.09 | 4583.33 | 96250.00 |
| 28 | 2027-05 | 4844.01 | 260.68 | 4583.33 | 91666.67 |
| 29 | 2027-06 | 4831.60 | 248.26 | 4583.33 | 87083.33 |
| 30 | 2027-07 | 4819.18 | 235.85 | 4583.33 | 82500.00 |
| 31 | 2027-08 | 4806.77 | 223.44 | 4583.33 | 77916.67 |
| 32 | 2027-09 | 4794.36 | 211.02 | 4583.33 | 73333.33 |
| 33 | 2027-10 | 4781.94 | 198.61 | 4583.33 | 68750.00 |
| 34 | 2027-11 | 4769.53 | 186.20 | 4583.33 | 64166.67 |
| 35 | 2027-12 | 4757.12 | 173.78 | 4583.33 | 59583.33 |
| 36 | 2028-01 | 4744.70 | 161.37 | 4583.33 | 55000.00 |
| 37 | 2028-02 | 4732.29 | 148.96 | 4583.33 | 50416.67 |
| 38 | 2028-03 | 4719.88 | 136.55 | 4583.33 | 45833.33 |
| 39 | 2028-04 | 4707.47 | 124.13 | 4583.33 | 41250.00 |
| 40 | 2028-05 | 4695.05 | 111.72 | 4583.33 | 36666.67 |
| 41 | 2028-06 | 4682.64 | 99.31 | 4583.33 | 32083.33 |
| 42 | 2028-07 | 4670.23 | 86.89 | 4583.33 | 27500.00 |
| 43 | 2028-08 | 4657.81 | 74.48 | 4583.33 | 22916.67 |
| 44 | 2028-09 | 4645.40 | 62.07 | 4583.33 | 18333.33 |
| 45 | 2028-10 | 4632.99 | 49.65 | 4583.33 | 13750.00 |
| 46 | 2028-11 | 4620.57 | 37.24 | 4583.33 | 9166.67 |
| 47 | 2028-12 | 4608.16 | 24.83 | 4583.33 | 4583.33 |
| 48 | 2029-01 | 4595.75 | 12.41 | 4583.33 | 0.00 |