贷款29万（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：29万
还款月数：5年
每月还款：5243.2元
利息总额：2.46万
本息合计：31.46万
| 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 | 5243.20 | 785.42 | 4457.78 | 285542.22 |
| 2 | 2025-03 | 5243.20 | 773.34 | 4469.86 | 281072.36 |
| 3 | 2025-04 | 5243.20 | 761.24 | 4481.96 | 276590.40 |
| 4 | 2025-05 | 5243.20 | 749.10 | 4494.10 | 272096.29 |
| 5 | 2025-06 | 5243.20 | 736.93 | 4506.27 | 267590.02 |
| 6 | 2025-07 | 5243.20 | 724.72 | 4518.48 | 263071.54 |
| 7 | 2025-08 | 5243.20 | 712.49 | 4530.72 | 258540.83 |
| 8 | 2025-09 | 5243.20 | 700.21 | 4542.99 | 253997.84 |
| 9 | 2025-10 | 5243.20 | 687.91 | 4555.29 | 249442.55 |
| 10 | 2025-11 | 5243.20 | 675.57 | 4567.63 | 244874.93 |
| 11 | 2025-12 | 5243.20 | 663.20 | 4580.00 | 240294.93 |
| 12 | 2026-01 | 5243.20 | 650.80 | 4592.40 | 235702.53 |
| 13 | 2026-02 | 5243.20 | 638.36 | 4604.84 | 231097.69 |
| 14 | 2026-03 | 5243.20 | 625.89 | 4617.31 | 226480.37 |
| 15 | 2026-04 | 5243.20 | 613.38 | 4629.82 | 221850.56 |
| 16 | 2026-05 | 5243.20 | 600.85 | 4642.36 | 217208.20 |
| 17 | 2026-06 | 5243.20 | 588.27 | 4654.93 | 212553.27 |
| 18 | 2026-07 | 5243.20 | 575.67 | 4667.54 | 207885.74 |
| 19 | 2026-08 | 5243.20 | 563.02 | 4680.18 | 203205.56 |
| 20 | 2026-09 | 5243.20 | 550.35 | 4692.85 | 198512.71 |
| 21 | 2026-10 | 5243.20 | 537.64 | 4705.56 | 193807.15 |
| 22 | 2026-11 | 5243.20 | 524.89 | 4718.31 | 189088.84 |
| 23 | 2026-12 | 5243.20 | 512.12 | 4731.09 | 184357.76 |
| 24 | 2027-01 | 5243.20 | 499.30 | 4743.90 | 179613.86 |
| 25 | 2027-02 | 5243.20 | 486.45 | 4756.75 | 174857.11 |
| 26 | 2027-03 | 5243.20 | 473.57 | 4769.63 | 170087.48 |
| 27 | 2027-04 | 5243.20 | 460.65 | 4782.55 | 165304.94 |
| 28 | 2027-05 | 5243.20 | 447.70 | 4795.50 | 160509.44 |
| 29 | 2027-06 | 5243.20 | 434.71 | 4808.49 | 155700.95 |
| 30 | 2027-07 | 5243.20 | 421.69 | 4821.51 | 150879.44 |
| 31 | 2027-08 | 5243.20 | 408.63 | 4834.57 | 146044.87 |
| 32 | 2027-09 | 5243.20 | 395.54 | 4847.66 | 141197.21 |
| 33 | 2027-10 | 5243.20 | 382.41 | 4860.79 | 136336.41 |
| 34 | 2027-11 | 5243.20 | 369.24 | 4873.96 | 131462.46 |
| 35 | 2027-12 | 5243.20 | 356.04 | 4887.16 | 126575.30 |
| 36 | 2028-01 | 5243.20 | 342.81 | 4900.39 | 121674.91 |
| 37 | 2028-02 | 5243.20 | 329.54 | 4913.66 | 116761.24 |
| 38 | 2028-03 | 5243.20 | 316.23 | 4926.97 | 111834.27 |
| 39 | 2028-04 | 5243.20 | 302.88 | 4940.32 | 106893.96 |
| 40 | 2028-05 | 5243.20 | 289.50 | 4953.70 | 101940.26 |
| 41 | 2028-06 | 5243.20 | 276.09 | 4967.11 | 96973.15 |
| 42 | 2028-07 | 5243.20 | 262.64 | 4980.57 | 91992.58 |
| 43 | 2028-08 | 5243.20 | 249.15 | 4994.05 | 86998.53 |
| 44 | 2028-09 | 5243.20 | 235.62 | 5007.58 | 81990.95 |
| 45 | 2028-10 | 5243.20 | 222.06 | 5021.14 | 76969.81 |
| 46 | 2028-11 | 5243.20 | 208.46 | 5034.74 | 71935.07 |
| 47 | 2028-12 | 5243.20 | 194.82 | 5048.38 | 66886.69 |
| 48 | 2029-01 | 5243.20 | 181.15 | 5062.05 | 61824.64 |
| 49 | 2029-02 | 5243.20 | 167.44 | 5075.76 | 56748.88 |
| 50 | 2029-03 | 5243.20 | 153.69 | 5089.51 | 51659.38 |
| 51 | 2029-04 | 5243.20 | 139.91 | 5103.29 | 46556.09 |
| 52 | 2029-05 | 5243.20 | 126.09 | 5117.11 | 41438.97 |
| 53 | 2029-06 | 5243.20 | 112.23 | 5130.97 | 36308.00 |
| 54 | 2029-07 | 5243.20 | 98.33 | 5144.87 | 31163.14 |
| 55 | 2029-08 | 5243.20 | 84.40 | 5158.80 | 26004.34 |
| 56 | 2029-09 | 5243.20 | 70.43 | 5172.77 | 20831.56 |
| 57 | 2029-10 | 5243.20 | 56.42 | 5186.78 | 15644.78 |
| 58 | 2029-11 | 5243.20 | 42.37 | 5200.83 | 10443.95 |
| 59 | 2029-12 | 5243.20 | 28.29 | 5214.91 | 5229.04 |
| 60 | 2030-01 | 5243.20 | 14.16 | 5229.04 | 0.00 |
等额本金还款方式：
贷款总额：29万
还款月数：5年
首月还款：5618.75元
每月递减：13.09元
利息总额：2.4万
本息合计：31.4万
节省利息：636.83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 | 5618.75 | 785.42 | 4833.33 | 285166.67 |
| 2 | 2025-03 | 5605.66 | 772.33 | 4833.33 | 280333.33 |
| 3 | 2025-04 | 5592.57 | 759.24 | 4833.33 | 275500.00 |
| 4 | 2025-05 | 5579.48 | 746.15 | 4833.33 | 270666.67 |
| 5 | 2025-06 | 5566.39 | 733.06 | 4833.33 | 265833.33 |
| 6 | 2025-07 | 5553.30 | 719.97 | 4833.33 | 261000.00 |
| 7 | 2025-08 | 5540.21 | 706.88 | 4833.33 | 256166.67 |
| 8 | 2025-09 | 5527.12 | 693.78 | 4833.33 | 251333.33 |
| 9 | 2025-10 | 5514.03 | 680.69 | 4833.33 | 246500.00 |
| 10 | 2025-11 | 5500.94 | 667.60 | 4833.33 | 241666.67 |
| 11 | 2025-12 | 5487.85 | 654.51 | 4833.33 | 236833.33 |
| 12 | 2026-01 | 5474.76 | 641.42 | 4833.33 | 232000.00 |
| 13 | 2026-02 | 5461.67 | 628.33 | 4833.33 | 227166.67 |
| 14 | 2026-03 | 5448.58 | 615.24 | 4833.33 | 222333.33 |
| 15 | 2026-04 | 5435.49 | 602.15 | 4833.33 | 217500.00 |
| 16 | 2026-05 | 5422.40 | 589.06 | 4833.33 | 212666.67 |
| 17 | 2026-06 | 5409.31 | 575.97 | 4833.33 | 207833.33 |
| 18 | 2026-07 | 5396.22 | 562.88 | 4833.33 | 203000.00 |
| 19 | 2026-08 | 5383.13 | 549.79 | 4833.33 | 198166.67 |
| 20 | 2026-09 | 5370.03 | 536.70 | 4833.33 | 193333.33 |
| 21 | 2026-10 | 5356.94 | 523.61 | 4833.33 | 188500.00 |
| 22 | 2026-11 | 5343.85 | 510.52 | 4833.33 | 183666.67 |
| 23 | 2026-12 | 5330.76 | 497.43 | 4833.33 | 178833.33 |
| 24 | 2027-01 | 5317.67 | 484.34 | 4833.33 | 174000.00 |
| 25 | 2027-02 | 5304.58 | 471.25 | 4833.33 | 169166.67 |
| 26 | 2027-03 | 5291.49 | 458.16 | 4833.33 | 164333.33 |
| 27 | 2027-04 | 5278.40 | 445.07 | 4833.33 | 159500.00 |
| 28 | 2027-05 | 5265.31 | 431.98 | 4833.33 | 154666.67 |
| 29 | 2027-06 | 5252.22 | 418.89 | 4833.33 | 149833.33 |
| 30 | 2027-07 | 5239.13 | 405.80 | 4833.33 | 145000.00 |
| 31 | 2027-08 | 5226.04 | 392.71 | 4833.33 | 140166.67 |
| 32 | 2027-09 | 5212.95 | 379.62 | 4833.33 | 135333.33 |
| 33 | 2027-10 | 5199.86 | 366.53 | 4833.33 | 130500.00 |
| 34 | 2027-11 | 5186.77 | 353.44 | 4833.33 | 125666.67 |
| 35 | 2027-12 | 5173.68 | 340.35 | 4833.33 | 120833.33 |
| 36 | 2028-01 | 5160.59 | 327.26 | 4833.33 | 116000.00 |
| 37 | 2028-02 | 5147.50 | 314.17 | 4833.33 | 111166.67 |
| 38 | 2028-03 | 5134.41 | 301.08 | 4833.33 | 106333.33 |
| 39 | 2028-04 | 5121.32 | 287.99 | 4833.33 | 101500.00 |
| 40 | 2028-05 | 5108.23 | 274.90 | 4833.33 | 96666.67 |
| 41 | 2028-06 | 5095.14 | 261.81 | 4833.33 | 91833.33 |
| 42 | 2028-07 | 5082.05 | 248.72 | 4833.33 | 87000.00 |
| 43 | 2028-08 | 5068.96 | 235.63 | 4833.33 | 82166.67 |
| 44 | 2028-09 | 5055.87 | 222.53 | 4833.33 | 77333.33 |
| 45 | 2028-10 | 5042.78 | 209.44 | 4833.33 | 72500.00 |
| 46 | 2028-11 | 5029.69 | 196.35 | 4833.33 | 67666.67 |
| 47 | 2028-12 | 5016.60 | 183.26 | 4833.33 | 62833.33 |
| 48 | 2029-01 | 5003.51 | 170.17 | 4833.33 | 58000.00 |
| 49 | 2029-02 | 4990.42 | 157.08 | 4833.33 | 53166.67 |
| 50 | 2029-03 | 4977.33 | 143.99 | 4833.33 | 48333.33 |
| 51 | 2029-04 | 4964.24 | 130.90 | 4833.33 | 43500.00 |
| 52 | 2029-05 | 4951.15 | 117.81 | 4833.33 | 38666.67 |
| 53 | 2029-06 | 4938.06 | 104.72 | 4833.33 | 33833.33 |
| 54 | 2029-07 | 4924.97 | 91.63 | 4833.33 | 29000.00 |
| 55 | 2029-08 | 4911.88 | 78.54 | 4833.33 | 24166.67 |
| 56 | 2029-09 | 4898.78 | 65.45 | 4833.33 | 19333.33 |
| 57 | 2029-10 | 4885.69 | 52.36 | 4833.33 | 14500.00 |
| 58 | 2029-11 | 4872.60 | 39.27 | 4833.33 | 9666.67 |
| 59 | 2029-12 | 4859.51 | 26.18 | 4833.33 | 4833.33 |
| 60 | 2030-01 | 4846.42 | 13.09 | 4833.33 | 0.00 |