贷款35万（公积金贷款）房贷，还款5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：35万
还款月数：5年
每月还款：6493.27元
利息总额：3.96万
本息合计：38.96万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-02 | 6493.27 | 1254.17 | 5239.11 | 344760.89 |
| 2 | 2024-03 | 6493.27 | 1235.39 | 5257.88 | 339503.01 |
| 3 | 2024-04 | 6493.27 | 1216.55 | 5276.72 | 334226.29 |
| 4 | 2024-05 | 6493.27 | 1197.64 | 5295.63 | 328930.66 |
| 5 | 2024-06 | 6493.27 | 1178.67 | 5314.61 | 323616.05 |
| 6 | 2024-07 | 6493.27 | 1159.62 | 5333.65 | 318282.40 |
| 7 | 2024-08 | 6493.27 | 1140.51 | 5352.76 | 312929.64 |
| 8 | 2024-09 | 6493.27 | 1121.33 | 5371.94 | 307557.69 |
| 9 | 2024-10 | 6493.27 | 1102.08 | 5391.19 | 302166.50 |
| 10 | 2024-11 | 6493.27 | 1082.76 | 5410.51 | 296755.99 |
| 11 | 2024-12 | 6493.27 | 1063.38 | 5429.90 | 291326.09 |
| 12 | 2025-01 | 6493.27 | 1043.92 | 5449.36 | 285876.73 |
| 13 | 2025-02 | 6493.27 | 1024.39 | 5468.88 | 280407.85 |
| 14 | 2025-03 | 6493.27 | 1004.79 | 5488.48 | 274919.37 |
| 15 | 2025-04 | 6493.27 | 985.13 | 5508.15 | 269411.22 |
| 16 | 2025-05 | 6493.27 | 965.39 | 5527.88 | 263883.34 |
| 17 | 2025-06 | 6493.27 | 945.58 | 5547.69 | 258335.64 |
| 18 | 2025-07 | 6493.27 | 925.70 | 5567.57 | 252768.07 |
| 19 | 2025-08 | 6493.27 | 905.75 | 5587.52 | 247180.55 |
| 20 | 2025-09 | 6493.27 | 885.73 | 5607.54 | 241573.00 |
| 21 | 2025-10 | 6493.27 | 865.64 | 5627.64 | 235945.37 |
| 22 | 2025-11 | 6493.27 | 845.47 | 5647.80 | 230297.56 |
| 23 | 2025-12 | 6493.27 | 825.23 | 5668.04 | 224629.52 |
| 24 | 2026-01 | 6493.27 | 804.92 | 5688.35 | 218941.17 |
| 25 | 2026-02 | 6493.27 | 784.54 | 5708.74 | 213232.43 |
| 26 | 2026-03 | 6493.27 | 764.08 | 5729.19 | 207503.24 |
| 27 | 2026-04 | 6493.27 | 743.55 | 5749.72 | 201753.52 |
| 28 | 2026-05 | 6493.27 | 722.95 | 5770.32 | 195983.19 |
| 29 | 2026-06 | 6493.27 | 702.27 | 5791.00 | 190192.19 |
| 30 | 2026-07 | 6493.27 | 681.52 | 5811.75 | 184380.44 |
| 31 | 2026-08 | 6493.27 | 660.70 | 5832.58 | 178547.86 |
| 32 | 2026-09 | 6493.27 | 639.80 | 5853.48 | 172694.38 |
| 33 | 2026-10 | 6493.27 | 618.82 | 5874.45 | 166819.93 |
| 34 | 2026-11 | 6493.27 | 597.77 | 5895.50 | 160924.42 |
| 35 | 2026-12 | 6493.27 | 576.65 | 5916.63 | 155007.79 |
| 36 | 2027-01 | 6493.27 | 555.44 | 5937.83 | 149069.96 |
| 37 | 2027-02 | 6493.27 | 534.17 | 5959.11 | 143110.86 |
| 38 | 2027-03 | 6493.27 | 512.81 | 5980.46 | 137130.40 |
| 39 | 2027-04 | 6493.27 | 491.38 | 6001.89 | 131128.50 |
| 40 | 2027-05 | 6493.27 | 469.88 | 6023.40 | 125105.11 |
| 41 | 2027-06 | 6493.27 | 448.29 | 6044.98 | 119060.13 |
| 42 | 2027-07 | 6493.27 | 426.63 | 6066.64 | 112993.48 |
| 43 | 2027-08 | 6493.27 | 404.89 | 6088.38 | 106905.10 |
| 44 | 2027-09 | 6493.27 | 383.08 | 6110.20 | 100794.90 |
| 45 | 2027-10 | 6493.27 | 361.18 | 6132.09 | 94662.81 |
| 46 | 2027-11 | 6493.27 | 339.21 | 6154.07 | 88508.74 |
| 47 | 2027-12 | 6493.27 | 317.16 | 6176.12 | 82332.62 |
| 48 | 2028-01 | 6493.27 | 295.03 | 6198.25 | 76134.37 |
| 49 | 2028-02 | 6493.27 | 272.81 | 6220.46 | 69913.91 |
| 50 | 2028-03 | 6493.27 | 250.52 | 6242.75 | 63671.16 |
| 51 | 2028-04 | 6493.27 | 228.16 | 6265.12 | 57406.04 |
| 52 | 2028-05 | 6493.27 | 205.70 | 6287.57 | 51118.47 |
| 53 | 2028-06 | 6493.27 | 183.17 | 6310.10 | 44808.37 |
| 54 | 2028-07 | 6493.27 | 160.56 | 6332.71 | 38475.66 |
| 55 | 2028-08 | 6493.27 | 137.87 | 6355.40 | 32120.26 |
| 56 | 2028-09 | 6493.27 | 115.10 | 6378.18 | 25742.08 |
| 57 | 2028-10 | 6493.27 | 92.24 | 6401.03 | 19341.05 |
| 58 | 2028-11 | 6493.27 | 69.31 | 6423.97 | 12917.08 |
| 59 | 2028-12 | 6493.27 | 46.29 | 6446.99 | 6470.09 |
| 60 | 2029-01 | 6493.27 | 23.18 | 6470.09 | 0.00 |
等额本金还款方式：
贷款总额：35万
还款月数：5年
首月还款：7087.5元
每月递减：20.9元
利息总额：3.83万
本息合计：38.83万
节省利息：1344.41元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-02 | 7087.50 | 1254.17 | 5833.33 | 344166.67 |
| 2 | 2024-03 | 7066.60 | 1233.26 | 5833.33 | 338333.33 |
| 3 | 2024-04 | 7045.69 | 1212.36 | 5833.33 | 332500.00 |
| 4 | 2024-05 | 7024.79 | 1191.46 | 5833.33 | 326666.67 |
| 5 | 2024-06 | 7003.89 | 1170.56 | 5833.33 | 320833.33 |
| 6 | 2024-07 | 6982.99 | 1149.65 | 5833.33 | 315000.00 |
| 7 | 2024-08 | 6962.08 | 1128.75 | 5833.33 | 309166.67 |
| 8 | 2024-09 | 6941.18 | 1107.85 | 5833.33 | 303333.33 |
| 9 | 2024-10 | 6920.28 | 1086.94 | 5833.33 | 297500.00 |
| 10 | 2024-11 | 6899.38 | 1066.04 | 5833.33 | 291666.67 |
| 11 | 2024-12 | 6878.47 | 1045.14 | 5833.33 | 285833.33 |
| 12 | 2025-01 | 6857.57 | 1024.24 | 5833.33 | 280000.00 |
| 13 | 2025-02 | 6836.67 | 1003.33 | 5833.33 | 274166.67 |
| 14 | 2025-03 | 6815.76 | 982.43 | 5833.33 | 268333.33 |
| 15 | 2025-04 | 6794.86 | 961.53 | 5833.33 | 262500.00 |
| 16 | 2025-05 | 6773.96 | 940.62 | 5833.33 | 256666.67 |
| 17 | 2025-06 | 6753.06 | 919.72 | 5833.33 | 250833.33 |
| 18 | 2025-07 | 6732.15 | 898.82 | 5833.33 | 245000.00 |
| 19 | 2025-08 | 6711.25 | 877.92 | 5833.33 | 239166.67 |
| 20 | 2025-09 | 6690.35 | 857.01 | 5833.33 | 233333.33 |
| 21 | 2025-10 | 6669.44 | 836.11 | 5833.33 | 227500.00 |
| 22 | 2025-11 | 6648.54 | 815.21 | 5833.33 | 221666.67 |
| 23 | 2025-12 | 6627.64 | 794.31 | 5833.33 | 215833.33 |
| 24 | 2026-01 | 6606.74 | 773.40 | 5833.33 | 210000.00 |
| 25 | 2026-02 | 6585.83 | 752.50 | 5833.33 | 204166.67 |
| 26 | 2026-03 | 6564.93 | 731.60 | 5833.33 | 198333.33 |
| 27 | 2026-04 | 6544.03 | 710.69 | 5833.33 | 192500.00 |
| 28 | 2026-05 | 6523.13 | 689.79 | 5833.33 | 186666.67 |
| 29 | 2026-06 | 6502.22 | 668.89 | 5833.33 | 180833.33 |
| 30 | 2026-07 | 6481.32 | 647.99 | 5833.33 | 175000.00 |
| 31 | 2026-08 | 6460.42 | 627.08 | 5833.33 | 169166.67 |
| 32 | 2026-09 | 6439.51 | 606.18 | 5833.33 | 163333.33 |
| 33 | 2026-10 | 6418.61 | 585.28 | 5833.33 | 157500.00 |
| 34 | 2026-11 | 6397.71 | 564.37 | 5833.33 | 151666.67 |
| 35 | 2026-12 | 6376.81 | 543.47 | 5833.33 | 145833.33 |
| 36 | 2027-01 | 6355.90 | 522.57 | 5833.33 | 140000.00 |
| 37 | 2027-02 | 6335.00 | 501.67 | 5833.33 | 134166.67 |
| 38 | 2027-03 | 6314.10 | 480.76 | 5833.33 | 128333.33 |
| 39 | 2027-04 | 6293.19 | 459.86 | 5833.33 | 122500.00 |
| 40 | 2027-05 | 6272.29 | 438.96 | 5833.33 | 116666.67 |
| 41 | 2027-06 | 6251.39 | 418.06 | 5833.33 | 110833.33 |
| 42 | 2027-07 | 6230.49 | 397.15 | 5833.33 | 105000.00 |
| 43 | 2027-08 | 6209.58 | 376.25 | 5833.33 | 99166.67 |
| 44 | 2027-09 | 6188.68 | 355.35 | 5833.33 | 93333.33 |
| 45 | 2027-10 | 6167.78 | 334.44 | 5833.33 | 87500.00 |
| 46 | 2027-11 | 6146.88 | 313.54 | 5833.33 | 81666.67 |
| 47 | 2027-12 | 6125.97 | 292.64 | 5833.33 | 75833.33 |
| 48 | 2028-01 | 6105.07 | 271.74 | 5833.33 | 70000.00 |
| 49 | 2028-02 | 6084.17 | 250.83 | 5833.33 | 64166.67 |
| 50 | 2028-03 | 6063.26 | 229.93 | 5833.33 | 58333.33 |
| 51 | 2028-04 | 6042.36 | 209.03 | 5833.33 | 52500.00 |
| 52 | 2028-05 | 6021.46 | 188.12 | 5833.33 | 46666.67 |
| 53 | 2028-06 | 6000.56 | 167.22 | 5833.33 | 40833.33 |
| 54 | 2028-07 | 5979.65 | 146.32 | 5833.33 | 35000.00 |
| 55 | 2028-08 | 5958.75 | 125.42 | 5833.33 | 29166.67 |
| 56 | 2028-09 | 5937.85 | 104.51 | 5833.33 | 23333.33 |
| 57 | 2028-10 | 5916.94 | 83.61 | 5833.33 | 17500.00 |
| 58 | 2028-11 | 5896.04 | 62.71 | 5833.33 | 11666.67 |
| 59 | 2028-12 | 5875.14 | 41.81 | 5833.33 | 5833.33 |
| 60 | 2029-01 | 5854.24 | 20.90 | 5833.33 | 0.00 |