贷款29.6万（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：29.6万
还款月数：5年
每月还款：5361.59元
利息总额：2.57万
本息合计：32.17万
| 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 | 5361.59 | 820.17 | 4541.42 | 291458.58 |
| 2 | 2025-07 | 5361.59 | 807.58 | 4554.01 | 286904.57 |
| 3 | 2025-08 | 5361.59 | 794.96 | 4566.63 | 282337.94 |
| 4 | 2025-09 | 5361.59 | 782.31 | 4579.28 | 277758.67 |
| 5 | 2025-10 | 5361.59 | 769.62 | 4591.97 | 273166.70 |
| 6 | 2025-11 | 5361.59 | 756.90 | 4604.69 | 268562.01 |
| 7 | 2025-12 | 5361.59 | 744.14 | 4617.45 | 263944.56 |
| 8 | 2026-01 | 5361.59 | 731.35 | 4630.24 | 259314.31 |
| 9 | 2026-02 | 5361.59 | 718.52 | 4643.07 | 254671.24 |
| 10 | 2026-03 | 5361.59 | 705.65 | 4655.94 | 250015.30 |
| 11 | 2026-04 | 5361.59 | 692.75 | 4668.84 | 245346.46 |
| 12 | 2026-05 | 5361.59 | 679.81 | 4681.78 | 240664.69 |
| 13 | 2026-06 | 5361.59 | 666.84 | 4694.75 | 235969.94 |
| 14 | 2026-07 | 5361.59 | 653.83 | 4707.76 | 231262.18 |
| 15 | 2026-08 | 5361.59 | 640.79 | 4720.80 | 226541.38 |
| 16 | 2026-09 | 5361.59 | 627.71 | 4733.88 | 221807.50 |
| 17 | 2026-10 | 5361.59 | 614.59 | 4747.00 | 217060.50 |
| 18 | 2026-11 | 5361.59 | 601.44 | 4760.15 | 212300.35 |
| 19 | 2026-12 | 5361.59 | 588.25 | 4773.34 | 207527.01 |
| 20 | 2027-01 | 5361.59 | 575.02 | 4786.57 | 202740.44 |
| 21 | 2027-02 | 5361.59 | 561.76 | 4799.83 | 197940.61 |
| 22 | 2027-03 | 5361.59 | 548.46 | 4813.13 | 193127.48 |
| 23 | 2027-04 | 5361.59 | 535.12 | 4826.47 | 188301.02 |
| 24 | 2027-05 | 5361.59 | 521.75 | 4839.84 | 183461.18 |
| 25 | 2027-06 | 5361.59 | 508.34 | 4853.25 | 178607.93 |
| 26 | 2027-07 | 5361.59 | 494.89 | 4866.70 | 173741.23 |
| 27 | 2027-08 | 5361.59 | 481.41 | 4880.18 | 168861.05 |
| 28 | 2027-09 | 5361.59 | 467.89 | 4893.70 | 163967.34 |
| 29 | 2027-10 | 5361.59 | 454.33 | 4907.26 | 159060.08 |
| 30 | 2027-11 | 5361.59 | 440.73 | 4920.86 | 154139.22 |
| 31 | 2027-12 | 5361.59 | 427.09 | 4934.50 | 149204.72 |
| 32 | 2028-01 | 5361.59 | 413.42 | 4948.17 | 144256.55 |
| 33 | 2028-02 | 5361.59 | 399.71 | 4961.88 | 139294.68 |
| 34 | 2028-03 | 5361.59 | 385.96 | 4975.63 | 134319.05 |
| 35 | 2028-04 | 5361.59 | 372.18 | 4989.41 | 129329.63 |
| 36 | 2028-05 | 5361.59 | 358.35 | 5003.24 | 124326.39 |
| 37 | 2028-06 | 5361.59 | 344.49 | 5017.10 | 119309.29 |
| 38 | 2028-07 | 5361.59 | 330.59 | 5031.00 | 114278.29 |
| 39 | 2028-08 | 5361.59 | 316.65 | 5044.94 | 109233.34 |
| 40 | 2028-09 | 5361.59 | 302.67 | 5058.92 | 104174.42 |
| 41 | 2028-10 | 5361.59 | 288.65 | 5072.94 | 99101.48 |
| 42 | 2028-11 | 5361.59 | 274.59 | 5087.00 | 94014.48 |
| 43 | 2028-12 | 5361.59 | 260.50 | 5101.09 | 88913.39 |
| 44 | 2029-01 | 5361.59 | 246.36 | 5115.23 | 83798.17 |
| 45 | 2029-02 | 5361.59 | 232.19 | 5129.40 | 78668.77 |
| 46 | 2029-03 | 5361.59 | 217.98 | 5143.61 | 73525.16 |
| 47 | 2029-04 | 5361.59 | 203.73 | 5157.86 | 68367.29 |
| 48 | 2029-05 | 5361.59 | 189.43 | 5172.16 | 63195.14 |
| 49 | 2029-06 | 5361.59 | 175.10 | 5186.49 | 58008.65 |
| 50 | 2029-07 | 5361.59 | 160.73 | 5200.86 | 52807.79 |
| 51 | 2029-08 | 5361.59 | 146.32 | 5215.27 | 47592.52 |
| 52 | 2029-09 | 5361.59 | 131.87 | 5229.72 | 42362.80 |
| 53 | 2029-10 | 5361.59 | 117.38 | 5244.21 | 37118.59 |
| 54 | 2029-11 | 5361.59 | 102.85 | 5258.74 | 31859.85 |
| 55 | 2029-12 | 5361.59 | 88.28 | 5273.31 | 26586.54 |
| 56 | 2030-01 | 5361.59 | 73.67 | 5287.92 | 21298.62 |
| 57 | 2030-02 | 5361.59 | 59.01 | 5302.58 | 15996.04 |
| 58 | 2030-03 | 5361.59 | 44.32 | 5317.27 | 10678.78 |
| 59 | 2030-04 | 5361.59 | 29.59 | 5332.00 | 5346.78 |
| 60 | 2030-05 | 5361.59 | 14.82 | 5346.78 | 0.00 |
等额本金还款方式：
贷款总额：29.6万
还款月数：5年
首月还款：5753.5元
每月递减：13.67元
利息总额：2.5万
本息合计：32.1万
节省利息：680.32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 | 5753.50 | 820.17 | 4933.33 | 291066.67 |
| 2 | 2025-07 | 5739.83 | 806.50 | 4933.33 | 286133.33 |
| 3 | 2025-08 | 5726.16 | 792.83 | 4933.33 | 281200.00 |
| 4 | 2025-09 | 5712.49 | 779.16 | 4933.33 | 276266.67 |
| 5 | 2025-10 | 5698.82 | 765.49 | 4933.33 | 271333.33 |
| 6 | 2025-11 | 5685.15 | 751.82 | 4933.33 | 266400.00 |
| 7 | 2025-12 | 5671.48 | 738.15 | 4933.33 | 261466.67 |
| 8 | 2026-01 | 5657.81 | 724.48 | 4933.33 | 256533.33 |
| 9 | 2026-02 | 5644.14 | 710.81 | 4933.33 | 251600.00 |
| 10 | 2026-03 | 5630.47 | 697.14 | 4933.33 | 246666.67 |
| 11 | 2026-04 | 5616.81 | 683.47 | 4933.33 | 241733.33 |
| 12 | 2026-05 | 5603.14 | 669.80 | 4933.33 | 236800.00 |
| 13 | 2026-06 | 5589.47 | 656.13 | 4933.33 | 231866.67 |
| 14 | 2026-07 | 5575.80 | 642.46 | 4933.33 | 226933.33 |
| 15 | 2026-08 | 5562.13 | 628.79 | 4933.33 | 222000.00 |
| 16 | 2026-09 | 5548.46 | 615.13 | 4933.33 | 217066.67 |
| 17 | 2026-10 | 5534.79 | 601.46 | 4933.33 | 212133.33 |
| 18 | 2026-11 | 5521.12 | 587.79 | 4933.33 | 207200.00 |
| 19 | 2026-12 | 5507.45 | 574.12 | 4933.33 | 202266.67 |
| 20 | 2027-01 | 5493.78 | 560.45 | 4933.33 | 197333.33 |
| 21 | 2027-02 | 5480.11 | 546.78 | 4933.33 | 192400.00 |
| 22 | 2027-03 | 5466.44 | 533.11 | 4933.33 | 187466.67 |
| 23 | 2027-04 | 5452.77 | 519.44 | 4933.33 | 182533.33 |
| 24 | 2027-05 | 5439.10 | 505.77 | 4933.33 | 177600.00 |
| 25 | 2027-06 | 5425.43 | 492.10 | 4933.33 | 172666.67 |
| 26 | 2027-07 | 5411.76 | 478.43 | 4933.33 | 167733.33 |
| 27 | 2027-08 | 5398.09 | 464.76 | 4933.33 | 162800.00 |
| 28 | 2027-09 | 5384.42 | 451.09 | 4933.33 | 157866.67 |
| 29 | 2027-10 | 5370.76 | 437.42 | 4933.33 | 152933.33 |
| 30 | 2027-11 | 5357.09 | 423.75 | 4933.33 | 148000.00 |
| 31 | 2027-12 | 5343.42 | 410.08 | 4933.33 | 143066.67 |
| 32 | 2028-01 | 5329.75 | 396.41 | 4933.33 | 138133.33 |
| 33 | 2028-02 | 5316.08 | 382.74 | 4933.33 | 133200.00 |
| 34 | 2028-03 | 5302.41 | 369.08 | 4933.33 | 128266.67 |
| 35 | 2028-04 | 5288.74 | 355.41 | 4933.33 | 123333.33 |
| 36 | 2028-05 | 5275.07 | 341.74 | 4933.33 | 118400.00 |
| 37 | 2028-06 | 5261.40 | 328.07 | 4933.33 | 113466.67 |
| 38 | 2028-07 | 5247.73 | 314.40 | 4933.33 | 108533.33 |
| 39 | 2028-08 | 5234.06 | 300.73 | 4933.33 | 103600.00 |
| 40 | 2028-09 | 5220.39 | 287.06 | 4933.33 | 98666.67 |
| 41 | 2028-10 | 5206.72 | 273.39 | 4933.33 | 93733.33 |
| 42 | 2028-11 | 5193.05 | 259.72 | 4933.33 | 88800.00 |
| 43 | 2028-12 | 5179.38 | 246.05 | 4933.33 | 83866.67 |
| 44 | 2029-01 | 5165.71 | 232.38 | 4933.33 | 78933.33 |
| 45 | 2029-02 | 5152.04 | 218.71 | 4933.33 | 74000.00 |
| 46 | 2029-03 | 5138.38 | 205.04 | 4933.33 | 69066.67 |
| 47 | 2029-04 | 5124.71 | 191.37 | 4933.33 | 64133.33 |
| 48 | 2029-05 | 5111.04 | 177.70 | 4933.33 | 59200.00 |
| 49 | 2029-06 | 5097.37 | 164.03 | 4933.33 | 54266.67 |
| 50 | 2029-07 | 5083.70 | 150.36 | 4933.33 | 49333.33 |
| 51 | 2029-08 | 5070.03 | 136.69 | 4933.33 | 44400.00 |
| 52 | 2029-09 | 5056.36 | 123.03 | 4933.33 | 39466.67 |
| 53 | 2029-10 | 5042.69 | 109.36 | 4933.33 | 34533.33 |
| 54 | 2029-11 | 5029.02 | 95.69 | 4933.33 | 29600.00 |
| 55 | 2029-12 | 5015.35 | 82.02 | 4933.33 | 24666.67 |
| 56 | 2030-01 | 5001.68 | 68.35 | 4933.33 | 19733.33 |
| 57 | 2030-02 | 4988.01 | 54.68 | 4933.33 | 14800.00 |
| 58 | 2030-03 | 4974.34 | 41.01 | 4933.33 | 9866.67 |
| 59 | 2030-04 | 4960.67 | 27.34 | 4933.33 | 4933.33 |
| 60 | 2030-05 | 4947.00 | 13.67 | 4933.33 | 0.00 |