贷款5000元（公积金贷款）房贷，还款3年7个月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：5000元
还款月数：3年7个月
每月还款：121.91元
利息总额：241.94元
本息合计：5241.94元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-04 | 121.91 | 10.83 | 111.07 | 4888.93 |
| 2 | 2026-05 | 121.91 | 10.59 | 111.31 | 4777.61 |
| 3 | 2026-06 | 121.91 | 10.35 | 111.55 | 4666.06 |
| 4 | 2026-07 | 121.91 | 10.11 | 111.80 | 4554.26 |
| 5 | 2026-08 | 121.91 | 9.87 | 112.04 | 4442.23 |
| 6 | 2026-09 | 121.91 | 9.62 | 112.28 | 4329.95 |
| 7 | 2026-10 | 121.91 | 9.38 | 112.52 | 4217.42 |
| 8 | 2026-11 | 121.91 | 9.14 | 112.77 | 4104.65 |
| 9 | 2026-12 | 121.91 | 8.89 | 113.01 | 3991.64 |
| 10 | 2027-01 | 121.91 | 8.65 | 113.26 | 3878.38 |
| 11 | 2027-02 | 121.91 | 8.40 | 113.50 | 3764.88 |
| 12 | 2027-03 | 121.91 | 8.16 | 113.75 | 3651.13 |
| 13 | 2027-04 | 121.91 | 7.91 | 113.99 | 3537.14 |
| 14 | 2027-05 | 121.91 | 7.66 | 114.24 | 3422.90 |
| 15 | 2027-06 | 121.91 | 7.42 | 114.49 | 3308.41 |
| 16 | 2027-07 | 121.91 | 7.17 | 114.74 | 3193.67 |
| 17 | 2027-08 | 121.91 | 6.92 | 114.99 | 3078.68 |
| 18 | 2027-09 | 121.91 | 6.67 | 115.24 | 2963.45 |
| 19 | 2027-10 | 121.91 | 6.42 | 115.48 | 2847.96 |
| 20 | 2027-11 | 121.91 | 6.17 | 115.74 | 2732.23 |
| 21 | 2027-12 | 121.91 | 5.92 | 115.99 | 2616.24 |
| 22 | 2028-01 | 121.91 | 5.67 | 116.24 | 2500.01 |
| 23 | 2028-02 | 121.91 | 5.42 | 116.49 | 2383.52 |
| 24 | 2028-03 | 121.91 | 5.16 | 116.74 | 2266.78 |
| 25 | 2028-04 | 121.91 | 4.91 | 116.99 | 2149.78 |
| 26 | 2028-05 | 121.91 | 4.66 | 117.25 | 2032.53 |
| 27 | 2028-06 | 121.91 | 4.40 | 117.50 | 1915.03 |
| 28 | 2028-07 | 121.91 | 4.15 | 117.76 | 1797.27 |
| 29 | 2028-08 | 121.91 | 3.89 | 118.01 | 1679.26 |
| 30 | 2028-09 | 121.91 | 3.64 | 118.27 | 1561.00 |
| 31 | 2028-10 | 121.91 | 3.38 | 118.52 | 1442.47 |
| 32 | 2028-11 | 121.91 | 3.13 | 118.78 | 1323.69 |
| 33 | 2028-12 | 121.91 | 2.87 | 119.04 | 1204.65 |
| 34 | 2029-01 | 121.91 | 2.61 | 119.30 | 1085.36 |
| 35 | 2029-02 | 121.91 | 2.35 | 119.55 | 965.80 |
| 36 | 2029-03 | 121.91 | 2.09 | 119.81 | 845.99 |
| 37 | 2029-04 | 121.91 | 1.83 | 120.07 | 725.92 |
| 38 | 2029-05 | 121.91 | 1.57 | 120.33 | 605.59 |
| 39 | 2029-06 | 121.91 | 1.31 | 120.59 | 484.99 |
| 40 | 2029-07 | 121.91 | 1.05 | 120.85 | 364.14 |
| 41 | 2029-08 | 121.91 | 0.79 | 121.12 | 243.02 |
| 42 | 2029-09 | 121.91 | 0.53 | 121.38 | 121.64 |
| 43 | 2029-10 | 121.91 | 0.26 | 121.64 | 0.00 |
等额本金还款方式：
贷款总额：5000元
还款月数：3年7个月
首月还款：127.11元
每月递减：0.25元
利息总额：238.33元
本息合计：5238.33元
节省利息：3.61元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-04 | 127.11 | 10.83 | 116.28 | 4883.72 |
| 2 | 2026-05 | 126.86 | 10.58 | 116.28 | 4767.44 |
| 3 | 2026-06 | 126.61 | 10.33 | 116.28 | 4651.16 |
| 4 | 2026-07 | 126.36 | 10.08 | 116.28 | 4534.88 |
| 5 | 2026-08 | 126.10 | 9.83 | 116.28 | 4418.60 |
| 6 | 2026-09 | 125.85 | 9.57 | 116.28 | 4302.33 |
| 7 | 2026-10 | 125.60 | 9.32 | 116.28 | 4186.05 |
| 8 | 2026-11 | 125.35 | 9.07 | 116.28 | 4069.77 |
| 9 | 2026-12 | 125.10 | 8.82 | 116.28 | 3953.49 |
| 10 | 2027-01 | 124.84 | 8.57 | 116.28 | 3837.21 |
| 11 | 2027-02 | 124.59 | 8.31 | 116.28 | 3720.93 |
| 12 | 2027-03 | 124.34 | 8.06 | 116.28 | 3604.65 |
| 13 | 2027-04 | 124.09 | 7.81 | 116.28 | 3488.37 |
| 14 | 2027-05 | 123.84 | 7.56 | 116.28 | 3372.09 |
| 15 | 2027-06 | 123.59 | 7.31 | 116.28 | 3255.81 |
| 16 | 2027-07 | 123.33 | 7.05 | 116.28 | 3139.53 |
| 17 | 2027-08 | 123.08 | 6.80 | 116.28 | 3023.26 |
| 18 | 2027-09 | 122.83 | 6.55 | 116.28 | 2906.98 |
| 19 | 2027-10 | 122.58 | 6.30 | 116.28 | 2790.70 |
| 20 | 2027-11 | 122.33 | 6.05 | 116.28 | 2674.42 |
| 21 | 2027-12 | 122.07 | 5.79 | 116.28 | 2558.14 |
| 22 | 2028-01 | 121.82 | 5.54 | 116.28 | 2441.86 |
| 23 | 2028-02 | 121.57 | 5.29 | 116.28 | 2325.58 |
| 24 | 2028-03 | 121.32 | 5.04 | 116.28 | 2209.30 |
| 25 | 2028-04 | 121.07 | 4.79 | 116.28 | 2093.02 |
| 26 | 2028-05 | 120.81 | 4.53 | 116.28 | 1976.74 |
| 27 | 2028-06 | 120.56 | 4.28 | 116.28 | 1860.47 |
| 28 | 2028-07 | 120.31 | 4.03 | 116.28 | 1744.19 |
| 29 | 2028-08 | 120.06 | 3.78 | 116.28 | 1627.91 |
| 30 | 2028-09 | 119.81 | 3.53 | 116.28 | 1511.63 |
| 31 | 2028-10 | 119.55 | 3.28 | 116.28 | 1395.35 |
| 32 | 2028-11 | 119.30 | 3.02 | 116.28 | 1279.07 |
| 33 | 2028-12 | 119.05 | 2.77 | 116.28 | 1162.79 |
| 34 | 2029-01 | 118.80 | 2.52 | 116.28 | 1046.51 |
| 35 | 2029-02 | 118.55 | 2.27 | 116.28 | 930.23 |
| 36 | 2029-03 | 118.29 | 2.02 | 116.28 | 813.95 |
| 37 | 2029-04 | 118.04 | 1.76 | 116.28 | 697.67 |
| 38 | 2029-05 | 117.79 | 1.51 | 116.28 | 581.40 |
| 39 | 2029-06 | 117.54 | 1.26 | 116.28 | 465.12 |
| 40 | 2029-07 | 117.29 | 1.01 | 116.28 | 348.84 |
| 41 | 2029-08 | 117.03 | 0.76 | 116.28 | 232.56 |
| 42 | 2029-09 | 116.78 | 0.50 | 116.28 | 116.28 |
| 43 | 2029-10 | 116.53 | 0.25 | 116.28 | 0.00 |