惠州贷款30万（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：30万
还款月数：5年
每月还款：5192.97元
利息总额：1.16万
本息合计：31.16万
| 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 | 5192.97 | 375.00 | 4817.97 | 295182.03 |
| 2 | 2025-06 | 5192.97 | 368.98 | 4823.99 | 290358.04 |
| 3 | 2025-07 | 5192.97 | 362.95 | 4830.02 | 285528.03 |
| 4 | 2025-08 | 5192.97 | 356.91 | 4836.06 | 280691.97 |
| 5 | 2025-09 | 5192.97 | 350.86 | 4842.10 | 275849.87 |
| 6 | 2025-10 | 5192.97 | 344.81 | 4848.15 | 271001.71 |
| 7 | 2025-11 | 5192.97 | 338.75 | 4854.21 | 266147.50 |
| 8 | 2025-12 | 5192.97 | 332.68 | 4860.28 | 261287.22 |
| 9 | 2026-01 | 5192.97 | 326.61 | 4866.36 | 256420.86 |
| 10 | 2026-02 | 5192.97 | 320.53 | 4872.44 | 251548.42 |
| 11 | 2026-03 | 5192.97 | 314.44 | 4878.53 | 246669.89 |
| 12 | 2026-04 | 5192.97 | 308.34 | 4884.63 | 241785.26 |
| 13 | 2026-05 | 5192.97 | 302.23 | 4890.73 | 236894.53 |
| 14 | 2026-06 | 5192.97 | 296.12 | 4896.85 | 231997.68 |
| 15 | 2026-07 | 5192.97 | 290.00 | 4902.97 | 227094.71 |
| 16 | 2026-08 | 5192.97 | 283.87 | 4909.10 | 222185.61 |
| 17 | 2026-09 | 5192.97 | 277.73 | 4915.23 | 217270.38 |
| 18 | 2026-10 | 5192.97 | 271.59 | 4921.38 | 212349.00 |
| 19 | 2026-11 | 5192.97 | 265.44 | 4927.53 | 207421.47 |
| 20 | 2026-12 | 5192.97 | 259.28 | 4933.69 | 202487.78 |
| 21 | 2027-01 | 5192.97 | 253.11 | 4939.86 | 197547.92 |
| 22 | 2027-02 | 5192.97 | 246.93 | 4946.03 | 192601.89 |
| 23 | 2027-03 | 5192.97 | 240.75 | 4952.21 | 187649.67 |
| 24 | 2027-04 | 5192.97 | 234.56 | 4958.40 | 182691.27 |
| 25 | 2027-05 | 5192.97 | 228.36 | 4964.60 | 177726.67 |
| 26 | 2027-06 | 5192.97 | 222.16 | 4970.81 | 172755.86 |
| 27 | 2027-07 | 5192.97 | 215.94 | 4977.02 | 167778.84 |
| 28 | 2027-08 | 5192.97 | 209.72 | 4983.24 | 162795.60 |
| 29 | 2027-09 | 5192.97 | 203.49 | 4989.47 | 157806.12 |
| 30 | 2027-10 | 5192.97 | 197.26 | 4995.71 | 152810.41 |
| 31 | 2027-11 | 5192.97 | 191.01 | 5001.95 | 147808.46 |
| 32 | 2027-12 | 5192.97 | 184.76 | 5008.21 | 142800.26 |
| 33 | 2028-01 | 5192.97 | 178.50 | 5014.47 | 137785.79 |
| 34 | 2028-02 | 5192.97 | 172.23 | 5020.73 | 132765.06 |
| 35 | 2028-03 | 5192.97 | 165.96 | 5027.01 | 127738.05 |
| 36 | 2028-04 | 5192.97 | 159.67 | 5033.29 | 122704.75 |
| 37 | 2028-05 | 5192.97 | 153.38 | 5039.59 | 117665.17 |
| 38 | 2028-06 | 5192.97 | 147.08 | 5045.88 | 112619.28 |
| 39 | 2028-07 | 5192.97 | 140.77 | 5052.19 | 107567.09 |
| 40 | 2028-08 | 5192.97 | 134.46 | 5058.51 | 102508.58 |
| 41 | 2028-09 | 5192.97 | 128.14 | 5064.83 | 97443.75 |
| 42 | 2028-10 | 5192.97 | 121.80 | 5071.16 | 92372.59 |
| 43 | 2028-11 | 5192.97 | 115.47 | 5077.50 | 87295.09 |
| 44 | 2028-12 | 5192.97 | 109.12 | 5083.85 | 82211.24 |
| 45 | 2029-01 | 5192.97 | 102.76 | 5090.20 | 77121.04 |
| 46 | 2029-02 | 5192.97 | 96.40 | 5096.57 | 72024.47 |
| 47 | 2029-03 | 5192.97 | 90.03 | 5102.94 | 66921.54 |
| 48 | 2029-04 | 5192.97 | 83.65 | 5109.31 | 61812.22 |
| 49 | 2029-05 | 5192.97 | 77.27 | 5115.70 | 56696.52 |
| 50 | 2029-06 | 5192.97 | 70.87 | 5122.10 | 51574.43 |
| 51 | 2029-07 | 5192.97 | 64.47 | 5128.50 | 46445.93 |
| 52 | 2029-08 | 5192.97 | 58.06 | 5134.91 | 41311.02 |
| 53 | 2029-09 | 5192.97 | 51.64 | 5141.33 | 36169.69 |
| 54 | 2029-10 | 5192.97 | 45.21 | 5147.75 | 31021.94 |
| 55 | 2029-11 | 5192.97 | 38.78 | 5154.19 | 25867.75 |
| 56 | 2029-12 | 5192.97 | 32.33 | 5160.63 | 20707.12 |
| 57 | 2030-01 | 5192.97 | 25.88 | 5167.08 | 15540.03 |
| 58 | 2030-02 | 5192.97 | 19.43 | 5173.54 | 10366.49 |
| 59 | 2030-03 | 5192.97 | 12.96 | 5180.01 | 5186.48 |
| 60 | 2030-04 | 5192.97 | 6.48 | 5186.48 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：5年
首月还款：5375元
每月递减：6.25元
利息总额：1.14万
本息合计：31.14万
节省利息：140.48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 | 5375.00 | 375.00 | 5000.00 | 295000.00 |
| 2 | 2025-06 | 5368.75 | 368.75 | 5000.00 | 290000.00 |
| 3 | 2025-07 | 5362.50 | 362.50 | 5000.00 | 285000.00 |
| 4 | 2025-08 | 5356.25 | 356.25 | 5000.00 | 280000.00 |
| 5 | 2025-09 | 5350.00 | 350.00 | 5000.00 | 275000.00 |
| 6 | 2025-10 | 5343.75 | 343.75 | 5000.00 | 270000.00 |
| 7 | 2025-11 | 5337.50 | 337.50 | 5000.00 | 265000.00 |
| 8 | 2025-12 | 5331.25 | 331.25 | 5000.00 | 260000.00 |
| 9 | 2026-01 | 5325.00 | 325.00 | 5000.00 | 255000.00 |
| 10 | 2026-02 | 5318.75 | 318.75 | 5000.00 | 250000.00 |
| 11 | 2026-03 | 5312.50 | 312.50 | 5000.00 | 245000.00 |
| 12 | 2026-04 | 5306.25 | 306.25 | 5000.00 | 240000.00 |
| 13 | 2026-05 | 5300.00 | 300.00 | 5000.00 | 235000.00 |
| 14 | 2026-06 | 5293.75 | 293.75 | 5000.00 | 230000.00 |
| 15 | 2026-07 | 5287.50 | 287.50 | 5000.00 | 225000.00 |
| 16 | 2026-08 | 5281.25 | 281.25 | 5000.00 | 220000.00 |
| 17 | 2026-09 | 5275.00 | 275.00 | 5000.00 | 215000.00 |
| 18 | 2026-10 | 5268.75 | 268.75 | 5000.00 | 210000.00 |
| 19 | 2026-11 | 5262.50 | 262.50 | 5000.00 | 205000.00 |
| 20 | 2026-12 | 5256.25 | 256.25 | 5000.00 | 200000.00 |
| 21 | 2027-01 | 5250.00 | 250.00 | 5000.00 | 195000.00 |
| 22 | 2027-02 | 5243.75 | 243.75 | 5000.00 | 190000.00 |
| 23 | 2027-03 | 5237.50 | 237.50 | 5000.00 | 185000.00 |
| 24 | 2027-04 | 5231.25 | 231.25 | 5000.00 | 180000.00 |
| 25 | 2027-05 | 5225.00 | 225.00 | 5000.00 | 175000.00 |
| 26 | 2027-06 | 5218.75 | 218.75 | 5000.00 | 170000.00 |
| 27 | 2027-07 | 5212.50 | 212.50 | 5000.00 | 165000.00 |
| 28 | 2027-08 | 5206.25 | 206.25 | 5000.00 | 160000.00 |
| 29 | 2027-09 | 5200.00 | 200.00 | 5000.00 | 155000.00 |
| 30 | 2027-10 | 5193.75 | 193.75 | 5000.00 | 150000.00 |
| 31 | 2027-11 | 5187.50 | 187.50 | 5000.00 | 145000.00 |
| 32 | 2027-12 | 5181.25 | 181.25 | 5000.00 | 140000.00 |
| 33 | 2028-01 | 5175.00 | 175.00 | 5000.00 | 135000.00 |
| 34 | 2028-02 | 5168.75 | 168.75 | 5000.00 | 130000.00 |
| 35 | 2028-03 | 5162.50 | 162.50 | 5000.00 | 125000.00 |
| 36 | 2028-04 | 5156.25 | 156.25 | 5000.00 | 120000.00 |
| 37 | 2028-05 | 5150.00 | 150.00 | 5000.00 | 115000.00 |
| 38 | 2028-06 | 5143.75 | 143.75 | 5000.00 | 110000.00 |
| 39 | 2028-07 | 5137.50 | 137.50 | 5000.00 | 105000.00 |
| 40 | 2028-08 | 5131.25 | 131.25 | 5000.00 | 100000.00 |
| 41 | 2028-09 | 5125.00 | 125.00 | 5000.00 | 95000.00 |
| 42 | 2028-10 | 5118.75 | 118.75 | 5000.00 | 90000.00 |
| 43 | 2028-11 | 5112.50 | 112.50 | 5000.00 | 85000.00 |
| 44 | 2028-12 | 5106.25 | 106.25 | 5000.00 | 80000.00 |
| 45 | 2029-01 | 5100.00 | 100.00 | 5000.00 | 75000.00 |
| 46 | 2029-02 | 5093.75 | 93.75 | 5000.00 | 70000.00 |
| 47 | 2029-03 | 5087.50 | 87.50 | 5000.00 | 65000.00 |
| 48 | 2029-04 | 5081.25 | 81.25 | 5000.00 | 60000.00 |
| 49 | 2029-05 | 5075.00 | 75.00 | 5000.00 | 55000.00 |
| 50 | 2029-06 | 5068.75 | 68.75 | 5000.00 | 50000.00 |
| 51 | 2029-07 | 5062.50 | 62.50 | 5000.00 | 45000.00 |
| 52 | 2029-08 | 5056.25 | 56.25 | 5000.00 | 40000.00 |
| 53 | 2029-09 | 5050.00 | 50.00 | 5000.00 | 35000.00 |
| 54 | 2029-10 | 5043.75 | 43.75 | 5000.00 | 30000.00 |
| 55 | 2029-11 | 5037.50 | 37.50 | 5000.00 | 25000.00 |
| 56 | 2029-12 | 5031.25 | 31.25 | 5000.00 | 20000.00 |
| 57 | 2030-01 | 5025.00 | 25.00 | 5000.00 | 15000.00 |
| 58 | 2030-02 | 5018.75 | 18.75 | 5000.00 | 10000.00 |
| 59 | 2030-03 | 5012.50 | 12.50 | 5000.00 | 5000.00 |
| 60 | 2030-04 | 5006.25 | 6.25 | 5000.00 | 0.00 |