温州贷款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：5304.39元
利息总额：1.83万
本息合计：31.83万
| 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 | 5304.39 | 587.50 | 4716.89 | 295283.11 |
| 2 | 2025-06 | 5304.39 | 578.26 | 4726.13 | 290556.98 |
| 3 | 2025-07 | 5304.39 | 569.01 | 4735.38 | 285821.60 |
| 4 | 2025-08 | 5304.39 | 559.73 | 4744.66 | 281076.94 |
| 5 | 2025-09 | 5304.39 | 550.44 | 4753.95 | 276323.00 |
| 6 | 2025-10 | 5304.39 | 541.13 | 4763.26 | 271559.74 |
| 7 | 2025-11 | 5304.39 | 531.80 | 4772.59 | 266787.15 |
| 8 | 2025-12 | 5304.39 | 522.46 | 4781.93 | 262005.22 |
| 9 | 2026-01 | 5304.39 | 513.09 | 4791.30 | 257213.93 |
| 10 | 2026-02 | 5304.39 | 503.71 | 4800.68 | 252413.25 |
| 11 | 2026-03 | 5304.39 | 494.31 | 4810.08 | 247603.17 |
| 12 | 2026-04 | 5304.39 | 484.89 | 4819.50 | 242783.67 |
| 13 | 2026-05 | 5304.39 | 475.45 | 4828.94 | 237954.73 |
| 14 | 2026-06 | 5304.39 | 465.99 | 4838.40 | 233116.33 |
| 15 | 2026-07 | 5304.39 | 456.52 | 4847.87 | 228268.46 |
| 16 | 2026-08 | 5304.39 | 447.03 | 4857.36 | 223411.10 |
| 17 | 2026-09 | 5304.39 | 437.51 | 4866.88 | 218544.22 |
| 18 | 2026-10 | 5304.39 | 427.98 | 4876.41 | 213667.81 |
| 19 | 2026-11 | 5304.39 | 418.43 | 4885.96 | 208781.86 |
| 20 | 2026-12 | 5304.39 | 408.86 | 4895.53 | 203886.33 |
| 21 | 2027-01 | 5304.39 | 399.28 | 4905.11 | 198981.22 |
| 22 | 2027-02 | 5304.39 | 389.67 | 4914.72 | 194066.50 |
| 23 | 2027-03 | 5304.39 | 380.05 | 4924.34 | 189142.16 |
| 24 | 2027-04 | 5304.39 | 370.40 | 4933.99 | 184208.17 |
| 25 | 2027-05 | 5304.39 | 360.74 | 4943.65 | 179264.52 |
| 26 | 2027-06 | 5304.39 | 351.06 | 4953.33 | 174311.19 |
| 27 | 2027-07 | 5304.39 | 341.36 | 4963.03 | 169348.16 |
| 28 | 2027-08 | 5304.39 | 331.64 | 4972.75 | 164375.41 |
| 29 | 2027-09 | 5304.39 | 321.90 | 4982.49 | 159392.92 |
| 30 | 2027-10 | 5304.39 | 312.14 | 4992.25 | 154400.68 |
| 31 | 2027-11 | 5304.39 | 302.37 | 5002.02 | 149398.66 |
| 32 | 2027-12 | 5304.39 | 292.57 | 5011.82 | 144386.84 |
| 33 | 2028-01 | 5304.39 | 282.76 | 5021.63 | 139365.21 |
| 34 | 2028-02 | 5304.39 | 272.92 | 5031.47 | 134333.74 |
| 35 | 2028-03 | 5304.39 | 263.07 | 5041.32 | 129292.42 |
| 36 | 2028-04 | 5304.39 | 253.20 | 5051.19 | 124241.23 |
| 37 | 2028-05 | 5304.39 | 243.31 | 5061.08 | 119180.14 |
| 38 | 2028-06 | 5304.39 | 233.39 | 5071.00 | 114109.15 |
| 39 | 2028-07 | 5304.39 | 223.46 | 5080.93 | 109028.22 |
| 40 | 2028-08 | 5304.39 | 213.51 | 5090.88 | 103937.35 |
| 41 | 2028-09 | 5304.39 | 203.54 | 5100.85 | 98836.50 |
| 42 | 2028-10 | 5304.39 | 193.55 | 5110.84 | 93725.66 |
| 43 | 2028-11 | 5304.39 | 183.55 | 5120.84 | 88604.82 |
| 44 | 2028-12 | 5304.39 | 173.52 | 5130.87 | 83473.95 |
| 45 | 2029-01 | 5304.39 | 163.47 | 5140.92 | 78333.03 |
| 46 | 2029-02 | 5304.39 | 153.40 | 5150.99 | 73182.04 |
| 47 | 2029-03 | 5304.39 | 143.31 | 5161.08 | 68020.97 |
| 48 | 2029-04 | 5304.39 | 133.21 | 5171.18 | 62849.78 |
| 49 | 2029-05 | 5304.39 | 123.08 | 5181.31 | 57668.47 |
| 50 | 2029-06 | 5304.39 | 112.93 | 5191.46 | 52477.02 |
| 51 | 2029-07 | 5304.39 | 102.77 | 5201.62 | 47275.40 |
| 52 | 2029-08 | 5304.39 | 92.58 | 5211.81 | 42063.59 |
| 53 | 2029-09 | 5304.39 | 82.37 | 5222.02 | 36841.57 |
| 54 | 2029-10 | 5304.39 | 72.15 | 5232.24 | 31609.33 |
| 55 | 2029-11 | 5304.39 | 61.90 | 5242.49 | 26366.84 |
| 56 | 2029-12 | 5304.39 | 51.64 | 5252.75 | 21114.09 |
| 57 | 2030-01 | 5304.39 | 41.35 | 5263.04 | 15851.05 |
| 58 | 2030-02 | 5304.39 | 31.04 | 5273.35 | 10577.70 |
| 59 | 2030-03 | 5304.39 | 20.71 | 5283.68 | 5294.02 |
| 60 | 2030-04 | 5304.39 | 10.37 | 5294.02 | 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：5587.5元
每月递减：9.79元
利息总额：1.79万
本息合计：31.79万
节省利息：344.64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 | 5587.50 | 587.50 | 5000.00 | 295000.00 |
| 2 | 2025-06 | 5577.71 | 577.71 | 5000.00 | 290000.00 |
| 3 | 2025-07 | 5567.92 | 567.92 | 5000.00 | 285000.00 |
| 4 | 2025-08 | 5558.13 | 558.13 | 5000.00 | 280000.00 |
| 5 | 2025-09 | 5548.33 | 548.33 | 5000.00 | 275000.00 |
| 6 | 2025-10 | 5538.54 | 538.54 | 5000.00 | 270000.00 |
| 7 | 2025-11 | 5528.75 | 528.75 | 5000.00 | 265000.00 |
| 8 | 2025-12 | 5518.96 | 518.96 | 5000.00 | 260000.00 |
| 9 | 2026-01 | 5509.17 | 509.17 | 5000.00 | 255000.00 |
| 10 | 2026-02 | 5499.38 | 499.37 | 5000.00 | 250000.00 |
| 11 | 2026-03 | 5489.58 | 489.58 | 5000.00 | 245000.00 |
| 12 | 2026-04 | 5479.79 | 479.79 | 5000.00 | 240000.00 |
| 13 | 2026-05 | 5470.00 | 470.00 | 5000.00 | 235000.00 |
| 14 | 2026-06 | 5460.21 | 460.21 | 5000.00 | 230000.00 |
| 15 | 2026-07 | 5450.42 | 450.42 | 5000.00 | 225000.00 |
| 16 | 2026-08 | 5440.63 | 440.62 | 5000.00 | 220000.00 |
| 17 | 2026-09 | 5430.83 | 430.83 | 5000.00 | 215000.00 |
| 18 | 2026-10 | 5421.04 | 421.04 | 5000.00 | 210000.00 |
| 19 | 2026-11 | 5411.25 | 411.25 | 5000.00 | 205000.00 |
| 20 | 2026-12 | 5401.46 | 401.46 | 5000.00 | 200000.00 |
| 21 | 2027-01 | 5391.67 | 391.67 | 5000.00 | 195000.00 |
| 22 | 2027-02 | 5381.88 | 381.88 | 5000.00 | 190000.00 |
| 23 | 2027-03 | 5372.08 | 372.08 | 5000.00 | 185000.00 |
| 24 | 2027-04 | 5362.29 | 362.29 | 5000.00 | 180000.00 |
| 25 | 2027-05 | 5352.50 | 352.50 | 5000.00 | 175000.00 |
| 26 | 2027-06 | 5342.71 | 342.71 | 5000.00 | 170000.00 |
| 27 | 2027-07 | 5332.92 | 332.92 | 5000.00 | 165000.00 |
| 28 | 2027-08 | 5323.13 | 323.13 | 5000.00 | 160000.00 |
| 29 | 2027-09 | 5313.33 | 313.33 | 5000.00 | 155000.00 |
| 30 | 2027-10 | 5303.54 | 303.54 | 5000.00 | 150000.00 |
| 31 | 2027-11 | 5293.75 | 293.75 | 5000.00 | 145000.00 |
| 32 | 2027-12 | 5283.96 | 283.96 | 5000.00 | 140000.00 |
| 33 | 2028-01 | 5274.17 | 274.17 | 5000.00 | 135000.00 |
| 34 | 2028-02 | 5264.38 | 264.38 | 5000.00 | 130000.00 |
| 35 | 2028-03 | 5254.58 | 254.58 | 5000.00 | 125000.00 |
| 36 | 2028-04 | 5244.79 | 244.79 | 5000.00 | 120000.00 |
| 37 | 2028-05 | 5235.00 | 235.00 | 5000.00 | 115000.00 |
| 38 | 2028-06 | 5225.21 | 225.21 | 5000.00 | 110000.00 |
| 39 | 2028-07 | 5215.42 | 215.42 | 5000.00 | 105000.00 |
| 40 | 2028-08 | 5205.63 | 205.62 | 5000.00 | 100000.00 |
| 41 | 2028-09 | 5195.83 | 195.83 | 5000.00 | 95000.00 |
| 42 | 2028-10 | 5186.04 | 186.04 | 5000.00 | 90000.00 |
| 43 | 2028-11 | 5176.25 | 176.25 | 5000.00 | 85000.00 |
| 44 | 2028-12 | 5166.46 | 166.46 | 5000.00 | 80000.00 |
| 45 | 2029-01 | 5156.67 | 156.67 | 5000.00 | 75000.00 |
| 46 | 2029-02 | 5146.88 | 146.88 | 5000.00 | 70000.00 |
| 47 | 2029-03 | 5137.08 | 137.08 | 5000.00 | 65000.00 |
| 48 | 2029-04 | 5127.29 | 127.29 | 5000.00 | 60000.00 |
| 49 | 2029-05 | 5117.50 | 117.50 | 5000.00 | 55000.00 |
| 50 | 2029-06 | 5107.71 | 107.71 | 5000.00 | 50000.00 |
| 51 | 2029-07 | 5097.92 | 97.92 | 5000.00 | 45000.00 |
| 52 | 2029-08 | 5088.13 | 88.13 | 5000.00 | 40000.00 |
| 53 | 2029-09 | 5078.33 | 78.33 | 5000.00 | 35000.00 |
| 54 | 2029-10 | 5068.54 | 68.54 | 5000.00 | 30000.00 |
| 55 | 2029-11 | 5058.75 | 58.75 | 5000.00 | 25000.00 |
| 56 | 2029-12 | 5048.96 | 48.96 | 5000.00 | 20000.00 |
| 57 | 2030-01 | 5039.17 | 39.17 | 5000.00 | 15000.00 |
| 58 | 2030-02 | 5029.38 | 29.37 | 5000.00 | 10000.00 |
| 59 | 2030-03 | 5019.58 | 19.58 | 5000.00 | 5000.00 |
| 60 | 2030-04 | 5009.79 | 9.79 | 5000.00 | 0.00 |