贷款36.72万（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：36.72万
还款月数：5年
每月还款：6652.05元
利息总额：3.19万
本息合计：39.91万
| 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 | 6652.05 | 1017.57 | 5634.48 | 361608.52 |
| 2 | 2025-06 | 6652.05 | 1001.96 | 5650.09 | 355958.43 |
| 3 | 2025-07 | 6652.05 | 986.30 | 5665.75 | 350292.68 |
| 4 | 2025-08 | 6652.05 | 970.60 | 5681.45 | 344611.24 |
| 5 | 2025-09 | 6652.05 | 954.86 | 5697.19 | 338914.05 |
| 6 | 2025-10 | 6652.05 | 939.07 | 5712.97 | 333201.07 |
| 7 | 2025-11 | 6652.05 | 923.24 | 5728.80 | 327472.27 |
| 8 | 2025-12 | 6652.05 | 907.37 | 5744.68 | 321727.59 |
| 9 | 2026-01 | 6652.05 | 891.45 | 5760.60 | 315967.00 |
| 10 | 2026-02 | 6652.05 | 875.49 | 5776.56 | 310190.44 |
| 11 | 2026-03 | 6652.05 | 859.49 | 5792.56 | 304397.88 |
| 12 | 2026-04 | 6652.05 | 843.44 | 5808.61 | 298589.26 |
| 13 | 2026-05 | 6652.05 | 827.34 | 5824.71 | 292764.56 |
| 14 | 2026-06 | 6652.05 | 811.20 | 5840.85 | 286923.71 |
| 15 | 2026-07 | 6652.05 | 795.02 | 5857.03 | 281066.68 |
| 16 | 2026-08 | 6652.05 | 778.79 | 5873.26 | 275193.42 |
| 17 | 2026-09 | 6652.05 | 762.52 | 5889.53 | 269303.88 |
| 18 | 2026-10 | 6652.05 | 746.20 | 5905.85 | 263398.03 |
| 19 | 2026-11 | 6652.05 | 729.83 | 5922.22 | 257475.82 |
| 20 | 2026-12 | 6652.05 | 713.42 | 5938.63 | 251537.19 |
| 21 | 2027-01 | 6652.05 | 696.97 | 5955.08 | 245582.11 |
| 22 | 2027-02 | 6652.05 | 680.47 | 5971.58 | 239610.53 |
| 23 | 2027-03 | 6652.05 | 663.92 | 5988.13 | 233622.40 |
| 24 | 2027-04 | 6652.05 | 647.33 | 6004.72 | 227617.68 |
| 25 | 2027-05 | 6652.05 | 630.69 | 6021.36 | 221596.32 |
| 26 | 2027-06 | 6652.05 | 614.01 | 6038.04 | 215558.28 |
| 27 | 2027-07 | 6652.05 | 597.28 | 6054.77 | 209503.51 |
| 28 | 2027-08 | 6652.05 | 580.50 | 6071.55 | 203431.96 |
| 29 | 2027-09 | 6652.05 | 563.68 | 6088.37 | 197343.58 |
| 30 | 2027-10 | 6652.05 | 546.81 | 6105.24 | 191238.34 |
| 31 | 2027-11 | 6652.05 | 529.89 | 6122.16 | 185116.18 |
| 32 | 2027-12 | 6652.05 | 512.93 | 6139.12 | 178977.06 |
| 33 | 2028-01 | 6652.05 | 495.92 | 6156.13 | 172820.93 |
| 34 | 2028-02 | 6652.05 | 478.86 | 6173.19 | 166647.74 |
| 35 | 2028-03 | 6652.05 | 461.75 | 6190.30 | 160457.44 |
| 36 | 2028-04 | 6652.05 | 444.60 | 6207.45 | 154249.99 |
| 37 | 2028-05 | 6652.05 | 427.40 | 6224.65 | 148025.35 |
| 38 | 2028-06 | 6652.05 | 410.15 | 6241.90 | 141783.45 |
| 39 | 2028-07 | 6652.05 | 392.86 | 6259.19 | 135524.26 |
| 40 | 2028-08 | 6652.05 | 375.52 | 6276.53 | 129247.73 |
| 41 | 2028-09 | 6652.05 | 358.12 | 6293.92 | 122953.80 |
| 42 | 2028-10 | 6652.05 | 340.68 | 6311.36 | 116642.44 |
| 43 | 2028-11 | 6652.05 | 323.20 | 6328.85 | 110313.59 |
| 44 | 2028-12 | 6652.05 | 305.66 | 6346.39 | 103967.20 |
| 45 | 2029-01 | 6652.05 | 288.08 | 6363.97 | 97603.22 |
| 46 | 2029-02 | 6652.05 | 270.44 | 6381.61 | 91221.62 |
| 47 | 2029-03 | 6652.05 | 252.76 | 6399.29 | 84822.33 |
| 48 | 2029-04 | 6652.05 | 235.03 | 6417.02 | 78405.31 |
| 49 | 2029-05 | 6652.05 | 217.25 | 6434.80 | 71970.51 |
| 50 | 2029-06 | 6652.05 | 199.42 | 6452.63 | 65517.88 |
| 51 | 2029-07 | 6652.05 | 181.54 | 6470.51 | 59047.37 |
| 52 | 2029-08 | 6652.05 | 163.61 | 6488.44 | 52558.93 |
| 53 | 2029-09 | 6652.05 | 145.63 | 6506.42 | 46052.51 |
| 54 | 2029-10 | 6652.05 | 127.60 | 6524.44 | 39528.07 |
| 55 | 2029-11 | 6652.05 | 109.53 | 6542.52 | 32985.55 |
| 56 | 2029-12 | 6652.05 | 91.40 | 6560.65 | 26424.89 |
| 57 | 2030-01 | 6652.05 | 73.22 | 6578.83 | 19846.06 |
| 58 | 2030-02 | 6652.05 | 54.99 | 6597.06 | 13249.01 |
| 59 | 2030-03 | 6652.05 | 36.71 | 6615.34 | 6633.67 |
| 60 | 2030-04 | 6652.05 | 18.38 | 6633.67 | 0.00 |
等额本金还款方式：
贷款总额：36.72万
还款月数：5年
首月还款：7138.29元
每月递减：16.96元
利息总额：3.1万
本息合计：39.83万
节省利息：844.06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 | 7138.29 | 1017.57 | 6120.72 | 361122.28 |
| 2 | 2025-06 | 7121.33 | 1000.61 | 6120.72 | 355001.57 |
| 3 | 2025-07 | 7104.37 | 983.65 | 6120.72 | 348880.85 |
| 4 | 2025-08 | 7087.41 | 966.69 | 6120.72 | 342760.13 |
| 5 | 2025-09 | 7070.45 | 949.73 | 6120.72 | 336639.42 |
| 6 | 2025-10 | 7053.49 | 932.77 | 6120.72 | 330518.70 |
| 7 | 2025-11 | 7036.53 | 915.81 | 6120.72 | 324397.98 |
| 8 | 2025-12 | 7019.57 | 898.85 | 6120.72 | 318277.27 |
| 9 | 2026-01 | 7002.61 | 881.89 | 6120.72 | 312156.55 |
| 10 | 2026-02 | 6985.65 | 864.93 | 6120.72 | 306035.83 |
| 11 | 2026-03 | 6968.69 | 847.97 | 6120.72 | 299915.12 |
| 12 | 2026-04 | 6951.73 | 831.01 | 6120.72 | 293794.40 |
| 13 | 2026-05 | 6934.77 | 814.06 | 6120.72 | 287673.68 |
| 14 | 2026-06 | 6917.81 | 797.10 | 6120.72 | 281552.97 |
| 15 | 2026-07 | 6900.85 | 780.14 | 6120.72 | 275432.25 |
| 16 | 2026-08 | 6883.89 | 763.18 | 6120.72 | 269311.53 |
| 17 | 2026-09 | 6866.93 | 746.22 | 6120.72 | 263190.82 |
| 18 | 2026-10 | 6849.97 | 729.26 | 6120.72 | 257070.10 |
| 19 | 2026-11 | 6833.02 | 712.30 | 6120.72 | 250949.38 |
| 20 | 2026-12 | 6816.06 | 695.34 | 6120.72 | 244828.67 |
| 21 | 2027-01 | 6799.10 | 678.38 | 6120.72 | 238707.95 |
| 22 | 2027-02 | 6782.14 | 661.42 | 6120.72 | 232587.23 |
| 23 | 2027-03 | 6765.18 | 644.46 | 6120.72 | 226466.52 |
| 24 | 2027-04 | 6748.22 | 627.50 | 6120.72 | 220345.80 |
| 25 | 2027-05 | 6731.26 | 610.54 | 6120.72 | 214225.08 |
| 26 | 2027-06 | 6714.30 | 593.58 | 6120.72 | 208104.37 |
| 27 | 2027-07 | 6697.34 | 576.62 | 6120.72 | 201983.65 |
| 28 | 2027-08 | 6680.38 | 559.66 | 6120.72 | 195862.93 |
| 29 | 2027-09 | 6663.42 | 542.70 | 6120.72 | 189742.22 |
| 30 | 2027-10 | 6646.46 | 525.74 | 6120.72 | 183621.50 |
| 31 | 2027-11 | 6629.50 | 508.78 | 6120.72 | 177500.78 |
| 32 | 2027-12 | 6612.54 | 491.83 | 6120.72 | 171380.07 |
| 33 | 2028-01 | 6595.58 | 474.87 | 6120.72 | 165259.35 |
| 34 | 2028-02 | 6578.62 | 457.91 | 6120.72 | 159138.63 |
| 35 | 2028-03 | 6561.66 | 440.95 | 6120.72 | 153017.92 |
| 36 | 2028-04 | 6544.70 | 423.99 | 6120.72 | 146897.20 |
| 37 | 2028-05 | 6527.74 | 407.03 | 6120.72 | 140776.48 |
| 38 | 2028-06 | 6510.78 | 390.07 | 6120.72 | 134655.77 |
| 39 | 2028-07 | 6493.83 | 373.11 | 6120.72 | 128535.05 |
| 40 | 2028-08 | 6476.87 | 356.15 | 6120.72 | 122414.33 |
| 41 | 2028-09 | 6459.91 | 339.19 | 6120.72 | 116293.62 |
| 42 | 2028-10 | 6442.95 | 322.23 | 6120.72 | 110172.90 |
| 43 | 2028-11 | 6425.99 | 305.27 | 6120.72 | 104052.18 |
| 44 | 2028-12 | 6409.03 | 288.31 | 6120.72 | 97931.47 |
| 45 | 2029-01 | 6392.07 | 271.35 | 6120.72 | 91810.75 |
| 46 | 2029-02 | 6375.11 | 254.39 | 6120.72 | 85690.03 |
| 47 | 2029-03 | 6358.15 | 237.43 | 6120.72 | 79569.32 |
| 48 | 2029-04 | 6341.19 | 220.47 | 6120.72 | 73448.60 |
| 49 | 2029-05 | 6324.23 | 203.51 | 6120.72 | 67327.88 |
| 50 | 2029-06 | 6307.27 | 186.55 | 6120.72 | 61207.17 |
| 51 | 2029-07 | 6290.31 | 169.59 | 6120.72 | 55086.45 |
| 52 | 2029-08 | 6273.35 | 152.64 | 6120.72 | 48965.73 |
| 53 | 2029-09 | 6256.39 | 135.68 | 6120.72 | 42845.02 |
| 54 | 2029-10 | 6239.43 | 118.72 | 6120.72 | 36724.30 |
| 55 | 2029-11 | 6222.47 | 101.76 | 6120.72 | 30603.58 |
| 56 | 2029-12 | 6205.51 | 84.80 | 6120.72 | 24482.87 |
| 57 | 2030-01 | 6188.55 | 67.84 | 6120.72 | 18362.15 |
| 58 | 2030-02 | 6171.60 | 50.88 | 6120.72 | 12241.43 |
| 59 | 2030-03 | 6154.64 | 33.92 | 6120.72 | 6120.72 |
| 60 | 2030-04 | 6137.68 | 16.96 | 6120.72 | 0.00 |