贷款15.15万（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：15.15万
还款月数：4年
每月还款：3370.41元
利息总额：1.03万
本息合计：16.18万
| 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 | 3370.41 | 410.35 | 2960.06 | 148552.94 |
| 2 | 2025-03 | 3370.41 | 402.33 | 2968.07 | 145584.87 |
| 3 | 2025-04 | 3370.41 | 394.29 | 2976.11 | 142608.75 |
| 4 | 2025-05 | 3370.41 | 386.23 | 2984.17 | 139624.58 |
| 5 | 2025-06 | 3370.41 | 378.15 | 2992.26 | 136632.33 |
| 6 | 2025-07 | 3370.41 | 370.05 | 3000.36 | 133631.97 |
| 7 | 2025-08 | 3370.41 | 361.92 | 3008.49 | 130623.48 |
| 8 | 2025-09 | 3370.41 | 353.77 | 3016.63 | 127606.85 |
| 9 | 2025-10 | 3370.41 | 345.60 | 3024.80 | 124582.04 |
| 10 | 2025-11 | 3370.41 | 337.41 | 3033.00 | 121549.05 |
| 11 | 2025-12 | 3370.41 | 329.20 | 3041.21 | 118507.84 |
| 12 | 2026-01 | 3370.41 | 320.96 | 3049.45 | 115458.39 |
| 13 | 2026-02 | 3370.41 | 312.70 | 3057.71 | 112400.69 |
| 14 | 2026-03 | 3370.41 | 304.42 | 3065.99 | 109334.70 |
| 15 | 2026-04 | 3370.41 | 296.11 | 3074.29 | 106260.41 |
| 16 | 2026-05 | 3370.41 | 287.79 | 3082.62 | 103177.79 |
| 17 | 2026-06 | 3370.41 | 279.44 | 3090.97 | 100086.83 |
| 18 | 2026-07 | 3370.41 | 271.07 | 3099.34 | 96987.49 |
| 19 | 2026-08 | 3370.41 | 262.67 | 3107.73 | 93879.76 |
| 20 | 2026-09 | 3370.41 | 254.26 | 3116.15 | 90763.61 |
| 21 | 2026-10 | 3370.41 | 245.82 | 3124.59 | 87639.02 |
| 22 | 2026-11 | 3370.41 | 237.36 | 3133.05 | 84505.97 |
| 23 | 2026-12 | 3370.41 | 228.87 | 3141.54 | 81364.44 |
| 24 | 2027-01 | 3370.41 | 220.36 | 3150.04 | 78214.40 |
| 25 | 2027-02 | 3370.41 | 211.83 | 3158.57 | 75055.82 |
| 26 | 2027-03 | 3370.41 | 203.28 | 3167.13 | 71888.69 |
| 27 | 2027-04 | 3370.41 | 194.70 | 3175.71 | 68712.98 |
| 28 | 2027-05 | 3370.41 | 186.10 | 3184.31 | 65528.68 |
| 29 | 2027-06 | 3370.41 | 177.47 | 3192.93 | 62335.74 |
| 30 | 2027-07 | 3370.41 | 168.83 | 3201.58 | 59134.17 |
| 31 | 2027-08 | 3370.41 | 160.16 | 3210.25 | 55923.91 |
| 32 | 2027-09 | 3370.41 | 151.46 | 3218.94 | 52704.97 |
| 33 | 2027-10 | 3370.41 | 142.74 | 3227.66 | 49477.31 |
| 34 | 2027-11 | 3370.41 | 134.00 | 3236.40 | 46240.90 |
| 35 | 2027-12 | 3370.41 | 125.24 | 3245.17 | 42995.73 |
| 36 | 2028-01 | 3370.41 | 116.45 | 3253.96 | 39741.77 |
| 37 | 2028-02 | 3370.41 | 107.63 | 3262.77 | 36479.00 |
| 38 | 2028-03 | 3370.41 | 98.80 | 3271.61 | 33207.40 |
| 39 | 2028-04 | 3370.41 | 89.94 | 3280.47 | 29926.93 |
| 40 | 2028-05 | 3370.41 | 81.05 | 3289.35 | 26637.57 |
| 41 | 2028-06 | 3370.41 | 72.14 | 3298.26 | 23339.31 |
| 42 | 2028-07 | 3370.41 | 63.21 | 3307.19 | 20032.12 |
| 43 | 2028-08 | 3370.41 | 54.25 | 3316.15 | 16715.96 |
| 44 | 2028-09 | 3370.41 | 45.27 | 3325.13 | 13390.83 |
| 45 | 2028-10 | 3370.41 | 36.27 | 3334.14 | 10056.69 |
| 46 | 2028-11 | 3370.41 | 27.24 | 3343.17 | 6713.52 |
| 47 | 2028-12 | 3370.41 | 18.18 | 3352.22 | 3361.30 |
| 48 | 2029-01 | 3370.41 | 9.10 | 3361.30 | 0.00 |
等额本金还款方式：
贷款总额：15.15万
还款月数：4年
首月还款：3566.87元
每月递减：8.55元
利息总额：1.01万
本息合计：16.16万
节省利息：212.94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 | 3566.87 | 410.35 | 3156.52 | 148356.48 |
| 2 | 2025-03 | 3558.32 | 401.80 | 3156.52 | 145199.96 |
| 3 | 2025-04 | 3549.77 | 393.25 | 3156.52 | 142043.44 |
| 4 | 2025-05 | 3541.22 | 384.70 | 3156.52 | 138886.92 |
| 5 | 2025-06 | 3532.67 | 376.15 | 3156.52 | 135730.40 |
| 6 | 2025-07 | 3524.12 | 367.60 | 3156.52 | 132573.88 |
| 7 | 2025-08 | 3515.58 | 359.05 | 3156.52 | 129417.35 |
| 8 | 2025-09 | 3507.03 | 350.51 | 3156.52 | 126260.83 |
| 9 | 2025-10 | 3498.48 | 341.96 | 3156.52 | 123104.31 |
| 10 | 2025-11 | 3489.93 | 333.41 | 3156.52 | 119947.79 |
| 11 | 2025-12 | 3481.38 | 324.86 | 3156.52 | 116791.27 |
| 12 | 2026-01 | 3472.83 | 316.31 | 3156.52 | 113634.75 |
| 13 | 2026-02 | 3464.28 | 307.76 | 3156.52 | 110478.23 |
| 14 | 2026-03 | 3455.73 | 299.21 | 3156.52 | 107321.71 |
| 15 | 2026-04 | 3447.18 | 290.66 | 3156.52 | 104165.19 |
| 16 | 2026-05 | 3438.63 | 282.11 | 3156.52 | 101008.67 |
| 17 | 2026-06 | 3430.09 | 273.57 | 3156.52 | 97852.15 |
| 18 | 2026-07 | 3421.54 | 265.02 | 3156.52 | 94695.63 |
| 19 | 2026-08 | 3412.99 | 256.47 | 3156.52 | 91539.10 |
| 20 | 2026-09 | 3404.44 | 247.92 | 3156.52 | 88382.58 |
| 21 | 2026-10 | 3395.89 | 239.37 | 3156.52 | 85226.06 |
| 22 | 2026-11 | 3387.34 | 230.82 | 3156.52 | 82069.54 |
| 23 | 2026-12 | 3378.79 | 222.27 | 3156.52 | 78913.02 |
| 24 | 2027-01 | 3370.24 | 213.72 | 3156.52 | 75756.50 |
| 25 | 2027-02 | 3361.69 | 205.17 | 3156.52 | 72599.98 |
| 26 | 2027-03 | 3353.15 | 196.62 | 3156.52 | 69443.46 |
| 27 | 2027-04 | 3344.60 | 188.08 | 3156.52 | 66286.94 |
| 28 | 2027-05 | 3336.05 | 179.53 | 3156.52 | 63130.42 |
| 29 | 2027-06 | 3327.50 | 170.98 | 3156.52 | 59973.90 |
| 30 | 2027-07 | 3318.95 | 162.43 | 3156.52 | 56817.38 |
| 31 | 2027-08 | 3310.40 | 153.88 | 3156.52 | 53660.85 |
| 32 | 2027-09 | 3301.85 | 145.33 | 3156.52 | 50504.33 |
| 33 | 2027-10 | 3293.30 | 136.78 | 3156.52 | 47347.81 |
| 34 | 2027-11 | 3284.75 | 128.23 | 3156.52 | 44191.29 |
| 35 | 2027-12 | 3276.21 | 119.68 | 3156.52 | 41034.77 |
| 36 | 2028-01 | 3267.66 | 111.14 | 3156.52 | 37878.25 |
| 37 | 2028-02 | 3259.11 | 102.59 | 3156.52 | 34721.73 |
| 38 | 2028-03 | 3250.56 | 94.04 | 3156.52 | 31565.21 |
| 39 | 2028-04 | 3242.01 | 85.49 | 3156.52 | 28408.69 |
| 40 | 2028-05 | 3233.46 | 76.94 | 3156.52 | 25252.17 |
| 41 | 2028-06 | 3224.91 | 68.39 | 3156.52 | 22095.65 |
| 42 | 2028-07 | 3216.36 | 59.84 | 3156.52 | 18939.13 |
| 43 | 2028-08 | 3207.81 | 51.29 | 3156.52 | 15782.60 |
| 44 | 2028-09 | 3199.27 | 42.74 | 3156.52 | 12626.08 |
| 45 | 2028-10 | 3190.72 | 34.20 | 3156.52 | 9469.56 |
| 46 | 2028-11 | 3182.17 | 25.65 | 3156.52 | 6313.04 |
| 47 | 2028-12 | 3173.62 | 17.10 | 3156.52 | 3156.52 |
| 48 | 2029-01 | 3165.07 | 8.55 | 3156.52 | 0.00 |