无锡贷款4万（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：4万
还款月数：5年
每月还款：711.66元
利息总额：2699.57元
本息合计：4.27万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 711.66 | 86.67 | 624.99 | 39375.01 |
| 2 | 2025-06 | 711.66 | 85.31 | 626.35 | 38748.66 |
| 3 | 2025-07 | 711.66 | 83.96 | 627.70 | 38120.96 |
| 4 | 2025-08 | 711.66 | 82.60 | 629.06 | 37491.89 |
| 5 | 2025-09 | 711.66 | 81.23 | 630.43 | 36861.46 |
| 6 | 2025-10 | 711.66 | 79.87 | 631.79 | 36229.67 |
| 7 | 2025-11 | 711.66 | 78.50 | 633.16 | 35596.51 |
| 8 | 2025-12 | 711.66 | 77.13 | 634.53 | 34961.98 |
| 9 | 2026-01 | 711.66 | 75.75 | 635.91 | 34326.07 |
| 10 | 2026-02 | 711.66 | 74.37 | 637.29 | 33688.78 |
| 11 | 2026-03 | 711.66 | 72.99 | 638.67 | 33050.11 |
| 12 | 2026-04 | 711.66 | 71.61 | 640.05 | 32410.06 |
| 13 | 2026-05 | 711.66 | 70.22 | 641.44 | 31768.62 |
| 14 | 2026-06 | 711.66 | 68.83 | 642.83 | 31125.80 |
| 15 | 2026-07 | 711.66 | 67.44 | 644.22 | 30481.58 |
| 16 | 2026-08 | 711.66 | 66.04 | 645.62 | 29835.96 |
| 17 | 2026-09 | 711.66 | 64.64 | 647.01 | 29188.95 |
| 18 | 2026-10 | 711.66 | 63.24 | 648.42 | 28540.53 |
| 19 | 2026-11 | 711.66 | 61.84 | 649.82 | 27890.71 |
| 20 | 2026-12 | 711.66 | 60.43 | 651.23 | 27239.48 |
| 21 | 2027-01 | 711.66 | 59.02 | 652.64 | 26586.84 |
| 22 | 2027-02 | 711.66 | 57.60 | 654.05 | 25932.78 |
| 23 | 2027-03 | 711.66 | 56.19 | 655.47 | 25277.31 |
| 24 | 2027-04 | 711.66 | 54.77 | 656.89 | 24620.42 |
| 25 | 2027-05 | 711.66 | 53.34 | 658.32 | 23962.10 |
| 26 | 2027-06 | 711.66 | 51.92 | 659.74 | 23302.36 |
| 27 | 2027-07 | 711.66 | 50.49 | 661.17 | 22641.19 |
| 28 | 2027-08 | 711.66 | 49.06 | 662.60 | 21978.59 |
| 29 | 2027-09 | 711.66 | 47.62 | 664.04 | 21314.55 |
| 30 | 2027-10 | 711.66 | 46.18 | 665.48 | 20649.07 |
| 31 | 2027-11 | 711.66 | 44.74 | 666.92 | 19982.15 |
| 32 | 2027-12 | 711.66 | 43.29 | 668.36 | 19313.78 |
| 33 | 2028-01 | 711.66 | 41.85 | 669.81 | 18643.97 |
| 34 | 2028-02 | 711.66 | 40.40 | 671.26 | 17972.71 |
| 35 | 2028-03 | 711.66 | 38.94 | 672.72 | 17299.99 |
| 36 | 2028-04 | 711.66 | 37.48 | 674.18 | 16625.81 |
| 37 | 2028-05 | 711.66 | 36.02 | 675.64 | 15950.17 |
| 38 | 2028-06 | 711.66 | 34.56 | 677.10 | 15273.07 |
| 39 | 2028-07 | 711.66 | 33.09 | 678.57 | 14594.51 |
| 40 | 2028-08 | 711.66 | 31.62 | 680.04 | 13914.47 |
| 41 | 2028-09 | 711.66 | 30.15 | 681.51 | 13232.96 |
| 42 | 2028-10 | 711.66 | 28.67 | 682.99 | 12549.97 |
| 43 | 2028-11 | 711.66 | 27.19 | 684.47 | 11865.50 |
| 44 | 2028-12 | 711.66 | 25.71 | 685.95 | 11179.55 |
| 45 | 2029-01 | 711.66 | 24.22 | 687.44 | 10492.11 |
| 46 | 2029-02 | 711.66 | 22.73 | 688.93 | 9803.19 |
| 47 | 2029-03 | 711.66 | 21.24 | 690.42 | 9112.77 |
| 48 | 2029-04 | 711.66 | 19.74 | 691.92 | 8420.85 |
| 49 | 2029-05 | 711.66 | 18.25 | 693.41 | 7727.44 |
| 50 | 2029-06 | 711.66 | 16.74 | 694.92 | 7032.52 |
| 51 | 2029-07 | 711.66 | 15.24 | 696.42 | 6336.10 |
| 52 | 2029-08 | 711.66 | 13.73 | 697.93 | 5638.17 |
| 53 | 2029-09 | 711.66 | 12.22 | 699.44 | 4938.72 |
| 54 | 2029-10 | 711.66 | 10.70 | 700.96 | 4237.76 |
| 55 | 2029-11 | 711.66 | 9.18 | 702.48 | 3535.29 |
| 56 | 2029-12 | 711.66 | 7.66 | 704.00 | 2831.29 |
| 57 | 2030-01 | 711.66 | 6.13 | 705.53 | 2125.76 |
| 58 | 2030-02 | 711.66 | 4.61 | 707.05 | 1418.71 |
| 59 | 2030-03 | 711.66 | 3.07 | 708.59 | 710.12 |
| 60 | 2030-04 | 711.66 | 1.54 | 710.12 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：5年
首月还款：753.33元
每月递减：1.44元
利息总额：2643.33元
本息合计：4.26万
节省利息：56.24元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 753.33 | 86.67 | 666.67 | 39333.33 |
| 2 | 2025-06 | 751.89 | 85.22 | 666.67 | 38666.67 |
| 3 | 2025-07 | 750.44 | 83.78 | 666.67 | 38000.00 |
| 4 | 2025-08 | 749.00 | 82.33 | 666.67 | 37333.33 |
| 5 | 2025-09 | 747.56 | 80.89 | 666.67 | 36666.67 |
| 6 | 2025-10 | 746.11 | 79.44 | 666.67 | 36000.00 |
| 7 | 2025-11 | 744.67 | 78.00 | 666.67 | 35333.33 |
| 8 | 2025-12 | 743.22 | 76.56 | 666.67 | 34666.67 |
| 9 | 2026-01 | 741.78 | 75.11 | 666.67 | 34000.00 |
| 10 | 2026-02 | 740.33 | 73.67 | 666.67 | 33333.33 |
| 11 | 2026-03 | 738.89 | 72.22 | 666.67 | 32666.67 |
| 12 | 2026-04 | 737.44 | 70.78 | 666.67 | 32000.00 |
| 13 | 2026-05 | 736.00 | 69.33 | 666.67 | 31333.33 |
| 14 | 2026-06 | 734.56 | 67.89 | 666.67 | 30666.67 |
| 15 | 2026-07 | 733.11 | 66.44 | 666.67 | 30000.00 |
| 16 | 2026-08 | 731.67 | 65.00 | 666.67 | 29333.33 |
| 17 | 2026-09 | 730.22 | 63.56 | 666.67 | 28666.67 |
| 18 | 2026-10 | 728.78 | 62.11 | 666.67 | 28000.00 |
| 19 | 2026-11 | 727.33 | 60.67 | 666.67 | 27333.33 |
| 20 | 2026-12 | 725.89 | 59.22 | 666.67 | 26666.67 |
| 21 | 2027-01 | 724.44 | 57.78 | 666.67 | 26000.00 |
| 22 | 2027-02 | 723.00 | 56.33 | 666.67 | 25333.33 |
| 23 | 2027-03 | 721.56 | 54.89 | 666.67 | 24666.67 |
| 24 | 2027-04 | 720.11 | 53.44 | 666.67 | 24000.00 |
| 25 | 2027-05 | 718.67 | 52.00 | 666.67 | 23333.33 |
| 26 | 2027-06 | 717.22 | 50.56 | 666.67 | 22666.67 |
| 27 | 2027-07 | 715.78 | 49.11 | 666.67 | 22000.00 |
| 28 | 2027-08 | 714.33 | 47.67 | 666.67 | 21333.33 |
| 29 | 2027-09 | 712.89 | 46.22 | 666.67 | 20666.67 |
| 30 | 2027-10 | 711.44 | 44.78 | 666.67 | 20000.00 |
| 31 | 2027-11 | 710.00 | 43.33 | 666.67 | 19333.33 |
| 32 | 2027-12 | 708.56 | 41.89 | 666.67 | 18666.67 |
| 33 | 2028-01 | 707.11 | 40.44 | 666.67 | 18000.00 |
| 34 | 2028-02 | 705.67 | 39.00 | 666.67 | 17333.33 |
| 35 | 2028-03 | 704.22 | 37.56 | 666.67 | 16666.67 |
| 36 | 2028-04 | 702.78 | 36.11 | 666.67 | 16000.00 |
| 37 | 2028-05 | 701.33 | 34.67 | 666.67 | 15333.33 |
| 38 | 2028-06 | 699.89 | 33.22 | 666.67 | 14666.67 |
| 39 | 2028-07 | 698.44 | 31.78 | 666.67 | 14000.00 |
| 40 | 2028-08 | 697.00 | 30.33 | 666.67 | 13333.33 |
| 41 | 2028-09 | 695.56 | 28.89 | 666.67 | 12666.67 |
| 42 | 2028-10 | 694.11 | 27.44 | 666.67 | 12000.00 |
| 43 | 2028-11 | 692.67 | 26.00 | 666.67 | 11333.33 |
| 44 | 2028-12 | 691.22 | 24.56 | 666.67 | 10666.67 |
| 45 | 2029-01 | 689.78 | 23.11 | 666.67 | 10000.00 |
| 46 | 2029-02 | 688.33 | 21.67 | 666.67 | 9333.33 |
| 47 | 2029-03 | 686.89 | 20.22 | 666.67 | 8666.67 |
| 48 | 2029-04 | 685.44 | 18.78 | 666.67 | 8000.00 |
| 49 | 2029-05 | 684.00 | 17.33 | 666.67 | 7333.33 |
| 50 | 2029-06 | 682.56 | 15.89 | 666.67 | 6666.67 |
| 51 | 2029-07 | 681.11 | 14.44 | 666.67 | 6000.00 |
| 52 | 2029-08 | 679.67 | 13.00 | 666.67 | 5333.33 |
| 53 | 2029-09 | 678.22 | 11.56 | 666.67 | 4666.67 |
| 54 | 2029-10 | 676.78 | 10.11 | 666.67 | 4000.00 |
| 55 | 2029-11 | 675.33 | 8.67 | 666.67 | 3333.33 |
| 56 | 2029-12 | 673.89 | 7.22 | 666.67 | 2666.67 |
| 57 | 2030-01 | 672.44 | 5.78 | 666.67 | 2000.00 |
| 58 | 2030-02 | 671.00 | 4.33 | 666.67 | 1333.33 |
| 59 | 2030-03 | 669.56 | 2.89 | 666.67 | 666.67 |
| 60 | 2030-04 | 668.11 | 1.44 | 666.67 | 0.00 |