贷款18.6万（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：18.6万
还款月数：5年
每月还款：3309.5元
利息总额：1.26万
本息合计：19.86万
| 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 | 3309.50 | 403.03 | 2906.47 | 183109.53 |
| 2 | 2025-06 | 3309.50 | 396.74 | 2912.76 | 180196.77 |
| 3 | 2025-07 | 3309.50 | 390.43 | 2919.08 | 177277.69 |
| 4 | 2025-08 | 3309.50 | 384.10 | 2925.40 | 174352.29 |
| 5 | 2025-09 | 3309.50 | 377.76 | 2931.74 | 171420.55 |
| 6 | 2025-10 | 3309.50 | 371.41 | 2938.09 | 168482.46 |
| 7 | 2025-11 | 3309.50 | 365.05 | 2944.46 | 165538.01 |
| 8 | 2025-12 | 3309.50 | 358.67 | 2950.84 | 162587.17 |
| 9 | 2026-01 | 3309.50 | 352.27 | 2957.23 | 159629.94 |
| 10 | 2026-02 | 3309.50 | 345.86 | 2963.64 | 156666.31 |
| 11 | 2026-03 | 3309.50 | 339.44 | 2970.06 | 153696.25 |
| 12 | 2026-04 | 3309.50 | 333.01 | 2976.49 | 150719.75 |
| 13 | 2026-05 | 3309.50 | 326.56 | 2982.94 | 147736.81 |
| 14 | 2026-06 | 3309.50 | 320.10 | 2989.41 | 144747.41 |
| 15 | 2026-07 | 3309.50 | 313.62 | 2995.88 | 141751.53 |
| 16 | 2026-08 | 3309.50 | 307.13 | 3002.37 | 138749.15 |
| 17 | 2026-09 | 3309.50 | 300.62 | 3008.88 | 135740.27 |
| 18 | 2026-10 | 3309.50 | 294.10 | 3015.40 | 132724.88 |
| 19 | 2026-11 | 3309.50 | 287.57 | 3021.93 | 129702.94 |
| 20 | 2026-12 | 3309.50 | 281.02 | 3028.48 | 126674.47 |
| 21 | 2027-01 | 3309.50 | 274.46 | 3035.04 | 123639.43 |
| 22 | 2027-02 | 3309.50 | 267.89 | 3041.62 | 120597.81 |
| 23 | 2027-03 | 3309.50 | 261.30 | 3048.21 | 117549.60 |
| 24 | 2027-04 | 3309.50 | 254.69 | 3054.81 | 114494.79 |
| 25 | 2027-05 | 3309.50 | 248.07 | 3061.43 | 111433.36 |
| 26 | 2027-06 | 3309.50 | 241.44 | 3068.06 | 108365.30 |
| 27 | 2027-07 | 3309.50 | 234.79 | 3074.71 | 105290.59 |
| 28 | 2027-08 | 3309.50 | 228.13 | 3081.37 | 102209.22 |
| 29 | 2027-09 | 3309.50 | 221.45 | 3088.05 | 99121.17 |
| 30 | 2027-10 | 3309.50 | 214.76 | 3094.74 | 96026.43 |
| 31 | 2027-11 | 3309.50 | 208.06 | 3101.44 | 92924.99 |
| 32 | 2027-12 | 3309.50 | 201.34 | 3108.16 | 89816.82 |
| 33 | 2028-01 | 3309.50 | 194.60 | 3114.90 | 86701.92 |
| 34 | 2028-02 | 3309.50 | 187.85 | 3121.65 | 83580.28 |
| 35 | 2028-03 | 3309.50 | 181.09 | 3128.41 | 80451.86 |
| 36 | 2028-04 | 3309.50 | 174.31 | 3135.19 | 77316.67 |
| 37 | 2028-05 | 3309.50 | 167.52 | 3141.98 | 74174.69 |
| 38 | 2028-06 | 3309.50 | 160.71 | 3148.79 | 71025.90 |
| 39 | 2028-07 | 3309.50 | 153.89 | 3155.61 | 67870.29 |
| 40 | 2028-08 | 3309.50 | 147.05 | 3162.45 | 64707.84 |
| 41 | 2028-09 | 3309.50 | 140.20 | 3169.30 | 61538.54 |
| 42 | 2028-10 | 3309.50 | 133.33 | 3176.17 | 58362.37 |
| 43 | 2028-11 | 3309.50 | 126.45 | 3183.05 | 55179.32 |
| 44 | 2028-12 | 3309.50 | 119.56 | 3189.95 | 51989.38 |
| 45 | 2029-01 | 3309.50 | 112.64 | 3196.86 | 48792.52 |
| 46 | 2029-02 | 3309.50 | 105.72 | 3203.78 | 45588.73 |
| 47 | 2029-03 | 3309.50 | 98.78 | 3210.73 | 42378.01 |
| 48 | 2029-04 | 3309.50 | 91.82 | 3217.68 | 39160.32 |
| 49 | 2029-05 | 3309.50 | 84.85 | 3224.65 | 35935.67 |
| 50 | 2029-06 | 3309.50 | 77.86 | 3231.64 | 32704.03 |
| 51 | 2029-07 | 3309.50 | 70.86 | 3238.64 | 29465.39 |
| 52 | 2029-08 | 3309.50 | 63.84 | 3245.66 | 26219.73 |
| 53 | 2029-09 | 3309.50 | 56.81 | 3252.69 | 22967.03 |
| 54 | 2029-10 | 3309.50 | 49.76 | 3259.74 | 19707.29 |
| 55 | 2029-11 | 3309.50 | 42.70 | 3266.80 | 16440.49 |
| 56 | 2029-12 | 3309.50 | 35.62 | 3273.88 | 13166.61 |
| 57 | 2030-01 | 3309.50 | 28.53 | 3280.97 | 9885.64 |
| 58 | 2030-02 | 3309.50 | 21.42 | 3288.08 | 6597.55 |
| 59 | 2030-03 | 3309.50 | 14.29 | 3295.21 | 3302.35 |
| 60 | 2030-04 | 3309.50 | 7.16 | 3302.35 | 0.00 |
等额本金还款方式：
贷款总额：18.6万
还款月数：5年
首月还款：3503.3元
每月递减：6.72元
利息总额：1.23万
本息合计：19.83万
节省利息：261.54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 | 3503.30 | 403.03 | 3100.27 | 182915.73 |
| 2 | 2025-06 | 3496.58 | 396.32 | 3100.27 | 179815.47 |
| 3 | 2025-07 | 3489.87 | 389.60 | 3100.27 | 176715.20 |
| 4 | 2025-08 | 3483.15 | 382.88 | 3100.27 | 173614.93 |
| 5 | 2025-09 | 3476.43 | 376.17 | 3100.27 | 170514.67 |
| 6 | 2025-10 | 3469.72 | 369.45 | 3100.27 | 167414.40 |
| 7 | 2025-11 | 3463.00 | 362.73 | 3100.27 | 164314.13 |
| 8 | 2025-12 | 3456.28 | 356.01 | 3100.27 | 161213.87 |
| 9 | 2026-01 | 3449.56 | 349.30 | 3100.27 | 158113.60 |
| 10 | 2026-02 | 3442.85 | 342.58 | 3100.27 | 155013.33 |
| 11 | 2026-03 | 3436.13 | 335.86 | 3100.27 | 151913.07 |
| 12 | 2026-04 | 3429.41 | 329.14 | 3100.27 | 148812.80 |
| 13 | 2026-05 | 3422.69 | 322.43 | 3100.27 | 145712.53 |
| 14 | 2026-06 | 3415.98 | 315.71 | 3100.27 | 142612.27 |
| 15 | 2026-07 | 3409.26 | 308.99 | 3100.27 | 139512.00 |
| 16 | 2026-08 | 3402.54 | 302.28 | 3100.27 | 136411.73 |
| 17 | 2026-09 | 3395.83 | 295.56 | 3100.27 | 133311.47 |
| 18 | 2026-10 | 3389.11 | 288.84 | 3100.27 | 130211.20 |
| 19 | 2026-11 | 3382.39 | 282.12 | 3100.27 | 127110.93 |
| 20 | 2026-12 | 3375.67 | 275.41 | 3100.27 | 124010.67 |
| 21 | 2027-01 | 3368.96 | 268.69 | 3100.27 | 120910.40 |
| 22 | 2027-02 | 3362.24 | 261.97 | 3100.27 | 117810.13 |
| 23 | 2027-03 | 3355.52 | 255.26 | 3100.27 | 114709.87 |
| 24 | 2027-04 | 3348.80 | 248.54 | 3100.27 | 111609.60 |
| 25 | 2027-05 | 3342.09 | 241.82 | 3100.27 | 108509.33 |
| 26 | 2027-06 | 3335.37 | 235.10 | 3100.27 | 105409.07 |
| 27 | 2027-07 | 3328.65 | 228.39 | 3100.27 | 102308.80 |
| 28 | 2027-08 | 3321.94 | 221.67 | 3100.27 | 99208.53 |
| 29 | 2027-09 | 3315.22 | 214.95 | 3100.27 | 96108.27 |
| 30 | 2027-10 | 3308.50 | 208.23 | 3100.27 | 93008.00 |
| 31 | 2027-11 | 3301.78 | 201.52 | 3100.27 | 89907.73 |
| 32 | 2027-12 | 3295.07 | 194.80 | 3100.27 | 86807.47 |
| 33 | 2028-01 | 3288.35 | 188.08 | 3100.27 | 83707.20 |
| 34 | 2028-02 | 3281.63 | 181.37 | 3100.27 | 80606.93 |
| 35 | 2028-03 | 3274.92 | 174.65 | 3100.27 | 77506.67 |
| 36 | 2028-04 | 3268.20 | 167.93 | 3100.27 | 74406.40 |
| 37 | 2028-05 | 3261.48 | 161.21 | 3100.27 | 71306.13 |
| 38 | 2028-06 | 3254.76 | 154.50 | 3100.27 | 68205.87 |
| 39 | 2028-07 | 3248.05 | 147.78 | 3100.27 | 65105.60 |
| 40 | 2028-08 | 3241.33 | 141.06 | 3100.27 | 62005.33 |
| 41 | 2028-09 | 3234.61 | 134.34 | 3100.27 | 58905.07 |
| 42 | 2028-10 | 3227.89 | 127.63 | 3100.27 | 55804.80 |
| 43 | 2028-11 | 3221.18 | 120.91 | 3100.27 | 52704.53 |
| 44 | 2028-12 | 3214.46 | 114.19 | 3100.27 | 49604.27 |
| 45 | 2029-01 | 3207.74 | 107.48 | 3100.27 | 46504.00 |
| 46 | 2029-02 | 3201.03 | 100.76 | 3100.27 | 43403.73 |
| 47 | 2029-03 | 3194.31 | 94.04 | 3100.27 | 40303.47 |
| 48 | 2029-04 | 3187.59 | 87.32 | 3100.27 | 37203.20 |
| 49 | 2029-05 | 3180.87 | 80.61 | 3100.27 | 34102.93 |
| 50 | 2029-06 | 3174.16 | 73.89 | 3100.27 | 31002.67 |
| 51 | 2029-07 | 3167.44 | 67.17 | 3100.27 | 27902.40 |
| 52 | 2029-08 | 3160.72 | 60.46 | 3100.27 | 24802.13 |
| 53 | 2029-09 | 3154.00 | 53.74 | 3100.27 | 21701.87 |
| 54 | 2029-10 | 3147.29 | 47.02 | 3100.27 | 18601.60 |
| 55 | 2029-11 | 3140.57 | 40.30 | 3100.27 | 15501.33 |
| 56 | 2029-12 | 3133.85 | 33.59 | 3100.27 | 12401.07 |
| 57 | 2030-01 | 3127.14 | 26.87 | 3100.27 | 9300.80 |
| 58 | 2030-02 | 3120.42 | 20.15 | 3100.27 | 6200.53 |
| 59 | 2030-03 | 3113.70 | 13.43 | 3100.27 | 3100.27 |
| 60 | 2030-04 | 3106.98 | 6.72 | 3100.27 | 0.00 |