贷款21万（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：21万
还款月数：5年
每月还款：3736.21元
利息总额：1.42万
本息合计：22.42万
| 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 | 3736.21 | 455.00 | 3281.21 | 206718.79 |
| 2 | 2025-06 | 3736.21 | 447.89 | 3288.32 | 203430.47 |
| 3 | 2025-07 | 3736.21 | 440.77 | 3295.45 | 200135.02 |
| 4 | 2025-08 | 3736.21 | 433.63 | 3302.59 | 196832.43 |
| 5 | 2025-09 | 3736.21 | 426.47 | 3309.74 | 193522.69 |
| 6 | 2025-10 | 3736.21 | 419.30 | 3316.91 | 190205.78 |
| 7 | 2025-11 | 3736.21 | 412.11 | 3324.10 | 186881.68 |
| 8 | 2025-12 | 3736.21 | 404.91 | 3331.30 | 183550.37 |
| 9 | 2026-01 | 3736.21 | 397.69 | 3338.52 | 180211.85 |
| 10 | 2026-02 | 3736.21 | 390.46 | 3345.75 | 176866.10 |
| 11 | 2026-03 | 3736.21 | 383.21 | 3353.00 | 173513.10 |
| 12 | 2026-04 | 3736.21 | 375.95 | 3360.27 | 170152.83 |
| 13 | 2026-05 | 3736.21 | 368.66 | 3367.55 | 166785.28 |
| 14 | 2026-06 | 3736.21 | 361.37 | 3374.84 | 163410.44 |
| 15 | 2026-07 | 3736.21 | 354.06 | 3382.16 | 160028.28 |
| 16 | 2026-08 | 3736.21 | 346.73 | 3389.48 | 156638.79 |
| 17 | 2026-09 | 3736.21 | 339.38 | 3396.83 | 153241.96 |
| 18 | 2026-10 | 3736.21 | 332.02 | 3404.19 | 149837.78 |
| 19 | 2026-11 | 3736.21 | 324.65 | 3411.56 | 146426.21 |
| 20 | 2026-12 | 3736.21 | 317.26 | 3418.96 | 143007.26 |
| 21 | 2027-01 | 3736.21 | 309.85 | 3426.36 | 139580.89 |
| 22 | 2027-02 | 3736.21 | 302.43 | 3433.79 | 136147.11 |
| 23 | 2027-03 | 3736.21 | 294.99 | 3441.23 | 132705.88 |
| 24 | 2027-04 | 3736.21 | 287.53 | 3448.68 | 129257.19 |
| 25 | 2027-05 | 3736.21 | 280.06 | 3456.16 | 125801.04 |
| 26 | 2027-06 | 3736.21 | 272.57 | 3463.64 | 122337.40 |
| 27 | 2027-07 | 3736.21 | 265.06 | 3471.15 | 118866.25 |
| 28 | 2027-08 | 3736.21 | 257.54 | 3478.67 | 115387.58 |
| 29 | 2027-09 | 3736.21 | 250.01 | 3486.21 | 111901.37 |
| 30 | 2027-10 | 3736.21 | 242.45 | 3493.76 | 108407.61 |
| 31 | 2027-11 | 3736.21 | 234.88 | 3501.33 | 104906.28 |
| 32 | 2027-12 | 3736.21 | 227.30 | 3508.92 | 101397.37 |
| 33 | 2028-01 | 3736.21 | 219.69 | 3516.52 | 97880.85 |
| 34 | 2028-02 | 3736.21 | 212.08 | 3524.14 | 94356.71 |
| 35 | 2028-03 | 3736.21 | 204.44 | 3531.77 | 90824.94 |
| 36 | 2028-04 | 3736.21 | 196.79 | 3539.43 | 87285.51 |
| 37 | 2028-05 | 3736.21 | 189.12 | 3547.09 | 83738.42 |
| 38 | 2028-06 | 3736.21 | 181.43 | 3554.78 | 80183.64 |
| 39 | 2028-07 | 3736.21 | 173.73 | 3562.48 | 76621.16 |
| 40 | 2028-08 | 3736.21 | 166.01 | 3570.20 | 73050.96 |
| 41 | 2028-09 | 3736.21 | 158.28 | 3577.94 | 69473.02 |
| 42 | 2028-10 | 3736.21 | 150.52 | 3585.69 | 65887.33 |
| 43 | 2028-11 | 3736.21 | 142.76 | 3593.46 | 62293.88 |
| 44 | 2028-12 | 3736.21 | 134.97 | 3601.24 | 58692.63 |
| 45 | 2029-01 | 3736.21 | 127.17 | 3609.05 | 55083.59 |
| 46 | 2029-02 | 3736.21 | 119.35 | 3616.86 | 51466.72 |
| 47 | 2029-03 | 3736.21 | 111.51 | 3624.70 | 47842.02 |
| 48 | 2029-04 | 3736.21 | 103.66 | 3632.56 | 44209.47 |
| 49 | 2029-05 | 3736.21 | 95.79 | 3640.43 | 40569.04 |
| 50 | 2029-06 | 3736.21 | 87.90 | 3648.31 | 36920.73 |
| 51 | 2029-07 | 3736.21 | 79.99 | 3656.22 | 33264.51 |
| 52 | 2029-08 | 3736.21 | 72.07 | 3664.14 | 29600.37 |
| 53 | 2029-09 | 3736.21 | 64.13 | 3672.08 | 25928.29 |
| 54 | 2029-10 | 3736.21 | 56.18 | 3680.03 | 22248.26 |
| 55 | 2029-11 | 3736.21 | 48.20 | 3688.01 | 18560.25 |
| 56 | 2029-12 | 3736.21 | 40.21 | 3696.00 | 14864.25 |
| 57 | 2030-01 | 3736.21 | 32.21 | 3704.01 | 11160.24 |
| 58 | 2030-02 | 3736.21 | 24.18 | 3712.03 | 7448.21 |
| 59 | 2030-03 | 3736.21 | 16.14 | 3720.07 | 3728.14 |
| 60 | 2030-04 | 3736.21 | 8.08 | 3728.14 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：5年
首月还款：3955元
每月递减：7.58元
利息总额：1.39万
本息合计：22.39万
节省利息：295.27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 | 3955.00 | 455.00 | 3500.00 | 206500.00 |
| 2 | 2025-06 | 3947.42 | 447.42 | 3500.00 | 203000.00 |
| 3 | 2025-07 | 3939.83 | 439.83 | 3500.00 | 199500.00 |
| 4 | 2025-08 | 3932.25 | 432.25 | 3500.00 | 196000.00 |
| 5 | 2025-09 | 3924.67 | 424.67 | 3500.00 | 192500.00 |
| 6 | 2025-10 | 3917.08 | 417.08 | 3500.00 | 189000.00 |
| 7 | 2025-11 | 3909.50 | 409.50 | 3500.00 | 185500.00 |
| 8 | 2025-12 | 3901.92 | 401.92 | 3500.00 | 182000.00 |
| 9 | 2026-01 | 3894.33 | 394.33 | 3500.00 | 178500.00 |
| 10 | 2026-02 | 3886.75 | 386.75 | 3500.00 | 175000.00 |
| 11 | 2026-03 | 3879.17 | 379.17 | 3500.00 | 171500.00 |
| 12 | 2026-04 | 3871.58 | 371.58 | 3500.00 | 168000.00 |
| 13 | 2026-05 | 3864.00 | 364.00 | 3500.00 | 164500.00 |
| 14 | 2026-06 | 3856.42 | 356.42 | 3500.00 | 161000.00 |
| 15 | 2026-07 | 3848.83 | 348.83 | 3500.00 | 157500.00 |
| 16 | 2026-08 | 3841.25 | 341.25 | 3500.00 | 154000.00 |
| 17 | 2026-09 | 3833.67 | 333.67 | 3500.00 | 150500.00 |
| 18 | 2026-10 | 3826.08 | 326.08 | 3500.00 | 147000.00 |
| 19 | 2026-11 | 3818.50 | 318.50 | 3500.00 | 143500.00 |
| 20 | 2026-12 | 3810.92 | 310.92 | 3500.00 | 140000.00 |
| 21 | 2027-01 | 3803.33 | 303.33 | 3500.00 | 136500.00 |
| 22 | 2027-02 | 3795.75 | 295.75 | 3500.00 | 133000.00 |
| 23 | 2027-03 | 3788.17 | 288.17 | 3500.00 | 129500.00 |
| 24 | 2027-04 | 3780.58 | 280.58 | 3500.00 | 126000.00 |
| 25 | 2027-05 | 3773.00 | 273.00 | 3500.00 | 122500.00 |
| 26 | 2027-06 | 3765.42 | 265.42 | 3500.00 | 119000.00 |
| 27 | 2027-07 | 3757.83 | 257.83 | 3500.00 | 115500.00 |
| 28 | 2027-08 | 3750.25 | 250.25 | 3500.00 | 112000.00 |
| 29 | 2027-09 | 3742.67 | 242.67 | 3500.00 | 108500.00 |
| 30 | 2027-10 | 3735.08 | 235.08 | 3500.00 | 105000.00 |
| 31 | 2027-11 | 3727.50 | 227.50 | 3500.00 | 101500.00 |
| 32 | 2027-12 | 3719.92 | 219.92 | 3500.00 | 98000.00 |
| 33 | 2028-01 | 3712.33 | 212.33 | 3500.00 | 94500.00 |
| 34 | 2028-02 | 3704.75 | 204.75 | 3500.00 | 91000.00 |
| 35 | 2028-03 | 3697.17 | 197.17 | 3500.00 | 87500.00 |
| 36 | 2028-04 | 3689.58 | 189.58 | 3500.00 | 84000.00 |
| 37 | 2028-05 | 3682.00 | 182.00 | 3500.00 | 80500.00 |
| 38 | 2028-06 | 3674.42 | 174.42 | 3500.00 | 77000.00 |
| 39 | 2028-07 | 3666.83 | 166.83 | 3500.00 | 73500.00 |
| 40 | 2028-08 | 3659.25 | 159.25 | 3500.00 | 70000.00 |
| 41 | 2028-09 | 3651.67 | 151.67 | 3500.00 | 66500.00 |
| 42 | 2028-10 | 3644.08 | 144.08 | 3500.00 | 63000.00 |
| 43 | 2028-11 | 3636.50 | 136.50 | 3500.00 | 59500.00 |
| 44 | 2028-12 | 3628.92 | 128.92 | 3500.00 | 56000.00 |
| 45 | 2029-01 | 3621.33 | 121.33 | 3500.00 | 52500.00 |
| 46 | 2029-02 | 3613.75 | 113.75 | 3500.00 | 49000.00 |
| 47 | 2029-03 | 3606.17 | 106.17 | 3500.00 | 45500.00 |
| 48 | 2029-04 | 3598.58 | 98.58 | 3500.00 | 42000.00 |
| 49 | 2029-05 | 3591.00 | 91.00 | 3500.00 | 38500.00 |
| 50 | 2029-06 | 3583.42 | 83.42 | 3500.00 | 35000.00 |
| 51 | 2029-07 | 3575.83 | 75.83 | 3500.00 | 31500.00 |
| 52 | 2029-08 | 3568.25 | 68.25 | 3500.00 | 28000.00 |
| 53 | 2029-09 | 3560.67 | 60.67 | 3500.00 | 24500.00 |
| 54 | 2029-10 | 3553.08 | 53.08 | 3500.00 | 21000.00 |
| 55 | 2029-11 | 3545.50 | 45.50 | 3500.00 | 17500.00 |
| 56 | 2029-12 | 3537.92 | 37.92 | 3500.00 | 14000.00 |
| 57 | 2030-01 | 3530.33 | 30.33 | 3500.00 | 10500.00 |
| 58 | 2030-02 | 3522.75 | 22.75 | 3500.00 | 7000.00 |
| 59 | 2030-03 | 3515.17 | 15.17 | 3500.00 | 3500.00 |
| 60 | 2030-04 | 3507.58 | 7.58 | 3500.00 | 0.00 |