嘉兴贷款18万（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：18万
还款月数：5年
每月还款：3162.88元
利息总额：9772.65元
本息合计：18.98万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 3162.88 | 315.00 | 2847.88 | 177152.12 |
| 2 | 2025-07 | 3162.88 | 310.02 | 2852.86 | 174299.26 |
| 3 | 2025-08 | 3162.88 | 305.02 | 2857.85 | 171441.41 |
| 4 | 2025-09 | 3162.88 | 300.02 | 2862.86 | 168578.55 |
| 5 | 2025-10 | 3162.88 | 295.01 | 2867.87 | 165710.69 |
| 6 | 2025-11 | 3162.88 | 289.99 | 2872.88 | 162837.80 |
| 7 | 2025-12 | 3162.88 | 284.97 | 2877.91 | 159959.89 |
| 8 | 2026-01 | 3162.88 | 279.93 | 2882.95 | 157076.94 |
| 9 | 2026-02 | 3162.88 | 274.88 | 2887.99 | 154188.95 |
| 10 | 2026-03 | 3162.88 | 269.83 | 2893.05 | 151295.90 |
| 11 | 2026-04 | 3162.88 | 264.77 | 2898.11 | 148397.79 |
| 12 | 2026-05 | 3162.88 | 259.70 | 2903.18 | 145494.61 |
| 13 | 2026-06 | 3162.88 | 254.62 | 2908.26 | 142586.35 |
| 14 | 2026-07 | 3162.88 | 249.53 | 2913.35 | 139673.00 |
| 15 | 2026-08 | 3162.88 | 244.43 | 2918.45 | 136754.55 |
| 16 | 2026-09 | 3162.88 | 239.32 | 2923.56 | 133830.99 |
| 17 | 2026-10 | 3162.88 | 234.20 | 2928.67 | 130902.32 |
| 18 | 2026-11 | 3162.88 | 229.08 | 2933.80 | 127968.52 |
| 19 | 2026-12 | 3162.88 | 223.94 | 2938.93 | 125029.59 |
| 20 | 2027-01 | 3162.88 | 218.80 | 2944.08 | 122085.51 |
| 21 | 2027-02 | 3162.88 | 213.65 | 2949.23 | 119136.28 |
| 22 | 2027-03 | 3162.88 | 208.49 | 2954.39 | 116181.90 |
| 23 | 2027-04 | 3162.88 | 203.32 | 2959.56 | 113222.34 |
| 24 | 2027-05 | 3162.88 | 198.14 | 2964.74 | 110257.60 |
| 25 | 2027-06 | 3162.88 | 192.95 | 2969.93 | 107287.67 |
| 26 | 2027-07 | 3162.88 | 187.75 | 2975.12 | 104312.55 |
| 27 | 2027-08 | 3162.88 | 182.55 | 2980.33 | 101332.22 |
| 28 | 2027-09 | 3162.88 | 177.33 | 2985.55 | 98346.67 |
| 29 | 2027-10 | 3162.88 | 172.11 | 2990.77 | 95355.90 |
| 30 | 2027-11 | 3162.88 | 166.87 | 2996.00 | 92359.89 |
| 31 | 2027-12 | 3162.88 | 161.63 | 3001.25 | 89358.65 |
| 32 | 2028-01 | 3162.88 | 156.38 | 3006.50 | 86352.15 |
| 33 | 2028-02 | 3162.88 | 151.12 | 3011.76 | 83340.39 |
| 34 | 2028-03 | 3162.88 | 145.85 | 3017.03 | 80323.35 |
| 35 | 2028-04 | 3162.88 | 140.57 | 3022.31 | 77301.04 |
| 36 | 2028-05 | 3162.88 | 135.28 | 3027.60 | 74273.44 |
| 37 | 2028-06 | 3162.88 | 129.98 | 3032.90 | 71240.54 |
| 38 | 2028-07 | 3162.88 | 124.67 | 3038.21 | 68202.34 |
| 39 | 2028-08 | 3162.88 | 119.35 | 3043.52 | 65158.81 |
| 40 | 2028-09 | 3162.88 | 114.03 | 3048.85 | 62109.96 |
| 41 | 2028-10 | 3162.88 | 108.69 | 3054.19 | 59055.78 |
| 42 | 2028-11 | 3162.88 | 103.35 | 3059.53 | 55996.25 |
| 43 | 2028-12 | 3162.88 | 97.99 | 3064.88 | 52931.36 |
| 44 | 2029-01 | 3162.88 | 92.63 | 3070.25 | 49861.12 |
| 45 | 2029-02 | 3162.88 | 87.26 | 3075.62 | 46785.49 |
| 46 | 2029-03 | 3162.88 | 81.87 | 3081.00 | 43704.49 |
| 47 | 2029-04 | 3162.88 | 76.48 | 3086.39 | 40618.10 |
| 48 | 2029-05 | 3162.88 | 71.08 | 3091.80 | 37526.30 |
| 49 | 2029-06 | 3162.88 | 65.67 | 3097.21 | 34429.09 |
| 50 | 2029-07 | 3162.88 | 60.25 | 3102.63 | 31326.47 |
| 51 | 2029-08 | 3162.88 | 54.82 | 3108.06 | 28218.41 |
| 52 | 2029-09 | 3162.88 | 49.38 | 3113.50 | 25104.92 |
| 53 | 2029-10 | 3162.88 | 43.93 | 3118.94 | 21985.97 |
| 54 | 2029-11 | 3162.88 | 38.48 | 3124.40 | 18861.57 |
| 55 | 2029-12 | 3162.88 | 33.01 | 3129.87 | 15731.70 |
| 56 | 2030-01 | 3162.88 | 27.53 | 3135.35 | 12596.35 |
| 57 | 2030-02 | 3162.88 | 22.04 | 3140.83 | 9455.52 |
| 58 | 2030-03 | 3162.88 | 16.55 | 3146.33 | 6309.19 |
| 59 | 2030-04 | 3162.88 | 11.04 | 3151.84 | 3157.35 |
| 60 | 2030-05 | 3162.88 | 5.53 | 3157.35 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：5年
首月还款：3315元
每月递减：5.25元
利息总额：9607.5元
本息合计：18.96万
节省利息：165.15元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 3315.00 | 315.00 | 3000.00 | 177000.00 |
| 2 | 2025-07 | 3309.75 | 309.75 | 3000.00 | 174000.00 |
| 3 | 2025-08 | 3304.50 | 304.50 | 3000.00 | 171000.00 |
| 4 | 2025-09 | 3299.25 | 299.25 | 3000.00 | 168000.00 |
| 5 | 2025-10 | 3294.00 | 294.00 | 3000.00 | 165000.00 |
| 6 | 2025-11 | 3288.75 | 288.75 | 3000.00 | 162000.00 |
| 7 | 2025-12 | 3283.50 | 283.50 | 3000.00 | 159000.00 |
| 8 | 2026-01 | 3278.25 | 278.25 | 3000.00 | 156000.00 |
| 9 | 2026-02 | 3273.00 | 273.00 | 3000.00 | 153000.00 |
| 10 | 2026-03 | 3267.75 | 267.75 | 3000.00 | 150000.00 |
| 11 | 2026-04 | 3262.50 | 262.50 | 3000.00 | 147000.00 |
| 12 | 2026-05 | 3257.25 | 257.25 | 3000.00 | 144000.00 |
| 13 | 2026-06 | 3252.00 | 252.00 | 3000.00 | 141000.00 |
| 14 | 2026-07 | 3246.75 | 246.75 | 3000.00 | 138000.00 |
| 15 | 2026-08 | 3241.50 | 241.50 | 3000.00 | 135000.00 |
| 16 | 2026-09 | 3236.25 | 236.25 | 3000.00 | 132000.00 |
| 17 | 2026-10 | 3231.00 | 231.00 | 3000.00 | 129000.00 |
| 18 | 2026-11 | 3225.75 | 225.75 | 3000.00 | 126000.00 |
| 19 | 2026-12 | 3220.50 | 220.50 | 3000.00 | 123000.00 |
| 20 | 2027-01 | 3215.25 | 215.25 | 3000.00 | 120000.00 |
| 21 | 2027-02 | 3210.00 | 210.00 | 3000.00 | 117000.00 |
| 22 | 2027-03 | 3204.75 | 204.75 | 3000.00 | 114000.00 |
| 23 | 2027-04 | 3199.50 | 199.50 | 3000.00 | 111000.00 |
| 24 | 2027-05 | 3194.25 | 194.25 | 3000.00 | 108000.00 |
| 25 | 2027-06 | 3189.00 | 189.00 | 3000.00 | 105000.00 |
| 26 | 2027-07 | 3183.75 | 183.75 | 3000.00 | 102000.00 |
| 27 | 2027-08 | 3178.50 | 178.50 | 3000.00 | 99000.00 |
| 28 | 2027-09 | 3173.25 | 173.25 | 3000.00 | 96000.00 |
| 29 | 2027-10 | 3168.00 | 168.00 | 3000.00 | 93000.00 |
| 30 | 2027-11 | 3162.75 | 162.75 | 3000.00 | 90000.00 |
| 31 | 2027-12 | 3157.50 | 157.50 | 3000.00 | 87000.00 |
| 32 | 2028-01 | 3152.25 | 152.25 | 3000.00 | 84000.00 |
| 33 | 2028-02 | 3147.00 | 147.00 | 3000.00 | 81000.00 |
| 34 | 2028-03 | 3141.75 | 141.75 | 3000.00 | 78000.00 |
| 35 | 2028-04 | 3136.50 | 136.50 | 3000.00 | 75000.00 |
| 36 | 2028-05 | 3131.25 | 131.25 | 3000.00 | 72000.00 |
| 37 | 2028-06 | 3126.00 | 126.00 | 3000.00 | 69000.00 |
| 38 | 2028-07 | 3120.75 | 120.75 | 3000.00 | 66000.00 |
| 39 | 2028-08 | 3115.50 | 115.50 | 3000.00 | 63000.00 |
| 40 | 2028-09 | 3110.25 | 110.25 | 3000.00 | 60000.00 |
| 41 | 2028-10 | 3105.00 | 105.00 | 3000.00 | 57000.00 |
| 42 | 2028-11 | 3099.75 | 99.75 | 3000.00 | 54000.00 |
| 43 | 2028-12 | 3094.50 | 94.50 | 3000.00 | 51000.00 |
| 44 | 2029-01 | 3089.25 | 89.25 | 3000.00 | 48000.00 |
| 45 | 2029-02 | 3084.00 | 84.00 | 3000.00 | 45000.00 |
| 46 | 2029-03 | 3078.75 | 78.75 | 3000.00 | 42000.00 |
| 47 | 2029-04 | 3073.50 | 73.50 | 3000.00 | 39000.00 |
| 48 | 2029-05 | 3068.25 | 68.25 | 3000.00 | 36000.00 |
| 49 | 2029-06 | 3063.00 | 63.00 | 3000.00 | 33000.00 |
| 50 | 2029-07 | 3057.75 | 57.75 | 3000.00 | 30000.00 |
| 51 | 2029-08 | 3052.50 | 52.50 | 3000.00 | 27000.00 |
| 52 | 2029-09 | 3047.25 | 47.25 | 3000.00 | 24000.00 |
| 53 | 2029-10 | 3042.00 | 42.00 | 3000.00 | 21000.00 |
| 54 | 2029-11 | 3036.75 | 36.75 | 3000.00 | 18000.00 |
| 55 | 2029-12 | 3031.50 | 31.50 | 3000.00 | 15000.00 |
| 56 | 2030-01 | 3026.25 | 26.25 | 3000.00 | 12000.00 |
| 57 | 2030-02 | 3021.00 | 21.00 | 3000.00 | 9000.00 |
| 58 | 2030-03 | 3015.75 | 15.75 | 3000.00 | 6000.00 |
| 59 | 2030-04 | 3010.50 | 10.50 | 3000.00 | 3000.00 |
| 60 | 2030-05 | 3005.25 | 5.25 | 3000.00 | 0.00 |