贷款18.85万（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：18.85万
还款月数：5年
每月还款：3311.64元
利息总额：1.02万
本息合计：19.87万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 3311.64 | 329.82 | 2981.83 | 185484.47 |
| 2 | 2026-02 | 3311.64 | 324.60 | 2987.05 | 182497.43 |
| 3 | 2026-03 | 3311.64 | 319.37 | 2992.27 | 179505.15 |
| 4 | 2026-04 | 3311.64 | 314.13 | 2997.51 | 176507.64 |
| 5 | 2026-05 | 3311.64 | 308.89 | 3002.76 | 173504.89 |
| 6 | 2026-06 | 3311.64 | 303.63 | 3008.01 | 170496.88 |
| 7 | 2026-07 | 3311.64 | 298.37 | 3013.27 | 167483.61 |
| 8 | 2026-08 | 3311.64 | 293.10 | 3018.55 | 164465.06 |
| 9 | 2026-09 | 3311.64 | 287.81 | 3023.83 | 161441.23 |
| 10 | 2026-10 | 3311.64 | 282.52 | 3029.12 | 158412.11 |
| 11 | 2026-11 | 3311.64 | 277.22 | 3034.42 | 155377.68 |
| 12 | 2026-12 | 3311.64 | 271.91 | 3039.73 | 152337.95 |
| 13 | 2027-01 | 3311.64 | 266.59 | 3045.05 | 149292.90 |
| 14 | 2027-02 | 3311.64 | 261.26 | 3050.38 | 146242.52 |
| 15 | 2027-03 | 3311.64 | 255.92 | 3055.72 | 143186.80 |
| 16 | 2027-04 | 3311.64 | 250.58 | 3061.07 | 140125.73 |
| 17 | 2027-05 | 3311.64 | 245.22 | 3066.42 | 137059.31 |
| 18 | 2027-06 | 3311.64 | 239.85 | 3071.79 | 133987.52 |
| 19 | 2027-07 | 3311.64 | 234.48 | 3077.17 | 130910.35 |
| 20 | 2027-08 | 3311.64 | 229.09 | 3082.55 | 127827.80 |
| 21 | 2027-09 | 3311.64 | 223.70 | 3087.94 | 124739.86 |
| 22 | 2027-10 | 3311.64 | 218.29 | 3093.35 | 121646.51 |
| 23 | 2027-11 | 3311.64 | 212.88 | 3098.76 | 118547.75 |
| 24 | 2027-12 | 3311.64 | 207.46 | 3104.18 | 115443.56 |
| 25 | 2028-01 | 3311.64 | 202.03 | 3109.62 | 112333.95 |
| 26 | 2028-02 | 3311.64 | 196.58 | 3115.06 | 109218.89 |
| 27 | 2028-03 | 3311.64 | 191.13 | 3120.51 | 106098.38 |
| 28 | 2028-04 | 3311.64 | 185.67 | 3125.97 | 102972.41 |
| 29 | 2028-05 | 3311.64 | 180.20 | 3131.44 | 99840.96 |
| 30 | 2028-06 | 3311.64 | 174.72 | 3136.92 | 96704.04 |
| 31 | 2028-07 | 3311.64 | 169.23 | 3142.41 | 93561.63 |
| 32 | 2028-08 | 3311.64 | 163.73 | 3147.91 | 90413.72 |
| 33 | 2028-09 | 3311.64 | 158.22 | 3153.42 | 87260.30 |
| 34 | 2028-10 | 3311.64 | 152.71 | 3158.94 | 84101.36 |
| 35 | 2028-11 | 3311.64 | 147.18 | 3164.47 | 80936.90 |
| 36 | 2028-12 | 3311.64 | 141.64 | 3170.00 | 77766.89 |
| 37 | 2029-01 | 3311.64 | 136.09 | 3175.55 | 74591.34 |
| 38 | 2029-02 | 3311.64 | 130.53 | 3181.11 | 71410.23 |
| 39 | 2029-03 | 3311.64 | 124.97 | 3186.68 | 68223.56 |
| 40 | 2029-04 | 3311.64 | 119.39 | 3192.25 | 65031.30 |
| 41 | 2029-05 | 3311.64 | 113.80 | 3197.84 | 61833.47 |
| 42 | 2029-06 | 3311.64 | 108.21 | 3203.43 | 58630.03 |
| 43 | 2029-07 | 3311.64 | 102.60 | 3209.04 | 55420.99 |
| 44 | 2029-08 | 3311.64 | 96.99 | 3214.66 | 52206.33 |
| 45 | 2029-09 | 3311.64 | 91.36 | 3220.28 | 48986.05 |
| 46 | 2029-10 | 3311.64 | 85.73 | 3225.92 | 45760.13 |
| 47 | 2029-11 | 3311.64 | 80.08 | 3231.56 | 42528.57 |
| 48 | 2029-12 | 3311.64 | 74.42 | 3237.22 | 39291.35 |
| 49 | 2030-01 | 3311.64 | 68.76 | 3242.88 | 36048.47 |
| 50 | 2030-02 | 3311.64 | 63.08 | 3248.56 | 32799.91 |
| 51 | 2030-03 | 3311.64 | 57.40 | 3254.24 | 29545.66 |
| 52 | 2030-04 | 3311.64 | 51.70 | 3259.94 | 26285.73 |
| 53 | 2030-05 | 3311.64 | 46.00 | 3265.64 | 23020.08 |
| 54 | 2030-06 | 3311.64 | 40.29 | 3271.36 | 19748.72 |
| 55 | 2030-07 | 3311.64 | 34.56 | 3277.08 | 16471.64 |
| 56 | 2030-08 | 3311.64 | 28.83 | 3282.82 | 13188.82 |
| 57 | 2030-09 | 3311.64 | 23.08 | 3288.56 | 9900.26 |
| 58 | 2030-10 | 3311.64 | 17.33 | 3294.32 | 6605.94 |
| 59 | 2030-11 | 3311.64 | 11.56 | 3300.08 | 3305.86 |
| 60 | 2030-12 | 3311.64 | 5.79 | 3305.86 | 0.00 |
等额本金还款方式：
贷款总额：18.85万
还款月数：5年
首月还款：3470.92元
每月递减：5.5元
利息总额：1.01万
本息合计：19.85万
节省利息：172.92元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 3470.92 | 329.82 | 3141.11 | 185325.19 |
| 2 | 2026-02 | 3465.42 | 324.32 | 3141.11 | 182184.09 |
| 3 | 2026-03 | 3459.93 | 318.82 | 3141.11 | 179042.98 |
| 4 | 2026-04 | 3454.43 | 313.33 | 3141.11 | 175901.88 |
| 5 | 2026-05 | 3448.93 | 307.83 | 3141.11 | 172760.77 |
| 6 | 2026-06 | 3443.44 | 302.33 | 3141.11 | 169619.67 |
| 7 | 2026-07 | 3437.94 | 296.83 | 3141.11 | 166478.57 |
| 8 | 2026-08 | 3432.44 | 291.34 | 3141.11 | 163337.46 |
| 9 | 2026-09 | 3426.95 | 285.84 | 3141.11 | 160196.35 |
| 10 | 2026-10 | 3421.45 | 280.34 | 3141.11 | 157055.25 |
| 11 | 2026-11 | 3415.95 | 274.85 | 3141.11 | 153914.14 |
| 12 | 2026-12 | 3410.45 | 269.35 | 3141.11 | 150773.04 |
| 13 | 2027-01 | 3404.96 | 263.85 | 3141.11 | 147631.93 |
| 14 | 2027-02 | 3399.46 | 258.36 | 3141.11 | 144490.83 |
| 15 | 2027-03 | 3393.96 | 252.86 | 3141.11 | 141349.72 |
| 16 | 2027-04 | 3388.47 | 247.36 | 3141.11 | 138208.62 |
| 17 | 2027-05 | 3382.97 | 241.87 | 3141.11 | 135067.51 |
| 18 | 2027-06 | 3377.47 | 236.37 | 3141.11 | 131926.41 |
| 19 | 2027-07 | 3371.98 | 230.87 | 3141.11 | 128785.30 |
| 20 | 2027-08 | 3366.48 | 225.37 | 3141.11 | 125644.20 |
| 21 | 2027-09 | 3360.98 | 219.88 | 3141.11 | 122503.09 |
| 22 | 2027-10 | 3355.49 | 214.38 | 3141.11 | 119361.99 |
| 23 | 2027-11 | 3349.99 | 208.88 | 3141.11 | 116220.88 |
| 24 | 2027-12 | 3344.49 | 203.39 | 3141.11 | 113079.78 |
| 25 | 2028-01 | 3338.99 | 197.89 | 3141.11 | 109938.67 |
| 26 | 2028-02 | 3333.50 | 192.39 | 3141.11 | 106797.57 |
| 27 | 2028-03 | 3328.00 | 186.90 | 3141.11 | 103656.46 |
| 28 | 2028-04 | 3322.50 | 181.40 | 3141.11 | 100515.36 |
| 29 | 2028-05 | 3317.01 | 175.90 | 3141.11 | 97374.25 |
| 30 | 2028-06 | 3311.51 | 170.40 | 3141.11 | 94233.15 |
| 31 | 2028-07 | 3306.01 | 164.91 | 3141.11 | 91092.04 |
| 32 | 2028-08 | 3300.52 | 159.41 | 3141.11 | 87950.94 |
| 33 | 2028-09 | 3295.02 | 153.91 | 3141.11 | 84809.83 |
| 34 | 2028-10 | 3289.52 | 148.42 | 3141.11 | 81668.73 |
| 35 | 2028-11 | 3284.03 | 142.92 | 3141.11 | 78527.62 |
| 36 | 2028-12 | 3278.53 | 137.42 | 3141.11 | 75386.52 |
| 37 | 2029-01 | 3273.03 | 131.93 | 3141.11 | 72245.41 |
| 38 | 2029-02 | 3267.53 | 126.43 | 3141.11 | 69104.31 |
| 39 | 2029-03 | 3262.04 | 120.93 | 3141.11 | 65963.20 |
| 40 | 2029-04 | 3256.54 | 115.44 | 3141.11 | 62822.10 |
| 41 | 2029-05 | 3251.04 | 109.94 | 3141.11 | 59680.99 |
| 42 | 2029-06 | 3245.55 | 104.44 | 3141.11 | 56539.89 |
| 43 | 2029-07 | 3240.05 | 98.94 | 3141.11 | 53398.78 |
| 44 | 2029-08 | 3234.55 | 93.45 | 3141.11 | 50257.68 |
| 45 | 2029-09 | 3229.06 | 87.95 | 3141.11 | 47116.57 |
| 46 | 2029-10 | 3223.56 | 82.45 | 3141.11 | 43975.47 |
| 47 | 2029-11 | 3218.06 | 76.96 | 3141.11 | 40834.36 |
| 48 | 2029-12 | 3212.57 | 71.46 | 3141.11 | 37693.26 |
| 49 | 2030-01 | 3207.07 | 65.96 | 3141.11 | 34552.15 |
| 50 | 2030-02 | 3201.57 | 60.47 | 3141.11 | 31411.05 |
| 51 | 2030-03 | 3196.07 | 54.97 | 3141.11 | 28269.94 |
| 52 | 2030-04 | 3190.58 | 49.47 | 3141.11 | 25128.84 |
| 53 | 2030-05 | 3185.08 | 43.98 | 3141.11 | 21987.73 |
| 54 | 2030-06 | 3179.58 | 38.48 | 3141.11 | 18846.63 |
| 55 | 2030-07 | 3174.09 | 32.98 | 3141.11 | 15705.52 |
| 56 | 2030-08 | 3168.59 | 27.48 | 3141.11 | 12564.42 |
| 57 | 2030-09 | 3163.09 | 21.99 | 3141.11 | 9423.31 |
| 58 | 2030-10 | 3157.60 | 16.49 | 3141.11 | 6282.21 |
| 59 | 2030-11 | 3152.10 | 10.99 | 3141.11 | 3141.10 |
| 60 | 2030-12 | 3146.60 | 5.50 | 3141.11 | 0.00 |