常州贷款27万（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：27万
还款月数：5年
每月还款：4744.32元
利息总额：1.47万
本息合计：28.47万
| 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 | 4744.32 | 472.50 | 4271.82 | 265728.18 |
| 2 | 2025-07 | 4744.32 | 465.02 | 4279.29 | 261448.89 |
| 3 | 2025-08 | 4744.32 | 457.54 | 4286.78 | 257162.11 |
| 4 | 2025-09 | 4744.32 | 450.03 | 4294.28 | 252867.83 |
| 5 | 2025-10 | 4744.32 | 442.52 | 4301.80 | 248566.03 |
| 6 | 2025-11 | 4744.32 | 434.99 | 4309.33 | 244256.70 |
| 7 | 2025-12 | 4744.32 | 427.45 | 4316.87 | 239939.84 |
| 8 | 2026-01 | 4744.32 | 419.89 | 4324.42 | 235615.42 |
| 9 | 2026-02 | 4744.32 | 412.33 | 4331.99 | 231283.43 |
| 10 | 2026-03 | 4744.32 | 404.75 | 4339.57 | 226943.86 |
| 11 | 2026-04 | 4744.32 | 397.15 | 4347.16 | 222596.69 |
| 12 | 2026-05 | 4744.32 | 389.54 | 4354.77 | 218241.92 |
| 13 | 2026-06 | 4744.32 | 381.92 | 4362.39 | 213879.53 |
| 14 | 2026-07 | 4744.32 | 374.29 | 4370.03 | 209509.50 |
| 15 | 2026-08 | 4744.32 | 366.64 | 4377.67 | 205131.82 |
| 16 | 2026-09 | 4744.32 | 358.98 | 4385.34 | 200746.49 |
| 17 | 2026-10 | 4744.32 | 351.31 | 4393.01 | 196353.48 |
| 18 | 2026-11 | 4744.32 | 343.62 | 4400.70 | 191952.78 |
| 19 | 2026-12 | 4744.32 | 335.92 | 4408.40 | 187544.38 |
| 20 | 2027-01 | 4744.32 | 328.20 | 4416.11 | 183128.27 |
| 21 | 2027-02 | 4744.32 | 320.47 | 4423.84 | 178704.43 |
| 22 | 2027-03 | 4744.32 | 312.73 | 4431.58 | 174272.84 |
| 23 | 2027-04 | 4744.32 | 304.98 | 4439.34 | 169833.50 |
| 24 | 2027-05 | 4744.32 | 297.21 | 4447.11 | 165386.40 |
| 25 | 2027-06 | 4744.32 | 289.43 | 4454.89 | 160931.51 |
| 26 | 2027-07 | 4744.32 | 281.63 | 4462.69 | 156468.82 |
| 27 | 2027-08 | 4744.32 | 273.82 | 4470.50 | 151998.32 |
| 28 | 2027-09 | 4744.32 | 266.00 | 4478.32 | 147520.00 |
| 29 | 2027-10 | 4744.32 | 258.16 | 4486.16 | 143033.85 |
| 30 | 2027-11 | 4744.32 | 250.31 | 4494.01 | 138539.84 |
| 31 | 2027-12 | 4744.32 | 242.44 | 4501.87 | 134037.97 |
| 32 | 2028-01 | 4744.32 | 234.57 | 4509.75 | 129528.22 |
| 33 | 2028-02 | 4744.32 | 226.67 | 4517.64 | 125010.58 |
| 34 | 2028-03 | 4744.32 | 218.77 | 4525.55 | 120485.03 |
| 35 | 2028-04 | 4744.32 | 210.85 | 4533.47 | 115951.56 |
| 36 | 2028-05 | 4744.32 | 202.92 | 4541.40 | 111410.16 |
| 37 | 2028-06 | 4744.32 | 194.97 | 4549.35 | 106860.81 |
| 38 | 2028-07 | 4744.32 | 187.01 | 4557.31 | 102303.50 |
| 39 | 2028-08 | 4744.32 | 179.03 | 4565.29 | 97738.22 |
| 40 | 2028-09 | 4744.32 | 171.04 | 4573.27 | 93164.94 |
| 41 | 2028-10 | 4744.32 | 163.04 | 4581.28 | 88583.67 |
| 42 | 2028-11 | 4744.32 | 155.02 | 4589.29 | 83994.37 |
| 43 | 2028-12 | 4744.32 | 146.99 | 4597.33 | 79397.04 |
| 44 | 2029-01 | 4744.32 | 138.94 | 4605.37 | 74791.67 |
| 45 | 2029-02 | 4744.32 | 130.89 | 4613.43 | 70178.24 |
| 46 | 2029-03 | 4744.32 | 122.81 | 4621.50 | 65556.74 |
| 47 | 2029-04 | 4744.32 | 114.72 | 4629.59 | 60927.15 |
| 48 | 2029-05 | 4744.32 | 106.62 | 4637.69 | 56289.45 |
| 49 | 2029-06 | 4744.32 | 98.51 | 4645.81 | 51643.64 |
| 50 | 2029-07 | 4744.32 | 90.38 | 4653.94 | 46989.70 |
| 51 | 2029-08 | 4744.32 | 82.23 | 4662.08 | 42327.62 |
| 52 | 2029-09 | 4744.32 | 74.07 | 4670.24 | 37657.37 |
| 53 | 2029-10 | 4744.32 | 65.90 | 4678.42 | 32978.96 |
| 54 | 2029-11 | 4744.32 | 57.71 | 4686.60 | 28292.35 |
| 55 | 2029-12 | 4744.32 | 49.51 | 4694.80 | 23597.55 |
| 56 | 2030-01 | 4744.32 | 41.30 | 4703.02 | 18894.53 |
| 57 | 2030-02 | 4744.32 | 33.07 | 4711.25 | 14183.28 |
| 58 | 2030-03 | 4744.32 | 24.82 | 4719.50 | 9463.78 |
| 59 | 2030-04 | 4744.32 | 16.56 | 4727.75 | 4736.03 |
| 60 | 2030-05 | 4744.32 | 8.29 | 4736.03 | 0.00 |
等额本金还款方式：
贷款总额：27万
还款月数：5年
首月还款：4972.5元
每月递减：7.88元
利息总额：1.44万
本息合计：28.44万
节省利息：247.73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 | 4972.50 | 472.50 | 4500.00 | 265500.00 |
| 2 | 2025-07 | 4964.63 | 464.63 | 4500.00 | 261000.00 |
| 3 | 2025-08 | 4956.75 | 456.75 | 4500.00 | 256500.00 |
| 4 | 2025-09 | 4948.88 | 448.88 | 4500.00 | 252000.00 |
| 5 | 2025-10 | 4941.00 | 441.00 | 4500.00 | 247500.00 |
| 6 | 2025-11 | 4933.13 | 433.13 | 4500.00 | 243000.00 |
| 7 | 2025-12 | 4925.25 | 425.25 | 4500.00 | 238500.00 |
| 8 | 2026-01 | 4917.38 | 417.38 | 4500.00 | 234000.00 |
| 9 | 2026-02 | 4909.50 | 409.50 | 4500.00 | 229500.00 |
| 10 | 2026-03 | 4901.63 | 401.63 | 4500.00 | 225000.00 |
| 11 | 2026-04 | 4893.75 | 393.75 | 4500.00 | 220500.00 |
| 12 | 2026-05 | 4885.88 | 385.88 | 4500.00 | 216000.00 |
| 13 | 2026-06 | 4878.00 | 378.00 | 4500.00 | 211500.00 |
| 14 | 2026-07 | 4870.13 | 370.13 | 4500.00 | 207000.00 |
| 15 | 2026-08 | 4862.25 | 362.25 | 4500.00 | 202500.00 |
| 16 | 2026-09 | 4854.38 | 354.38 | 4500.00 | 198000.00 |
| 17 | 2026-10 | 4846.50 | 346.50 | 4500.00 | 193500.00 |
| 18 | 2026-11 | 4838.63 | 338.63 | 4500.00 | 189000.00 |
| 19 | 2026-12 | 4830.75 | 330.75 | 4500.00 | 184500.00 |
| 20 | 2027-01 | 4822.88 | 322.88 | 4500.00 | 180000.00 |
| 21 | 2027-02 | 4815.00 | 315.00 | 4500.00 | 175500.00 |
| 22 | 2027-03 | 4807.13 | 307.13 | 4500.00 | 171000.00 |
| 23 | 2027-04 | 4799.25 | 299.25 | 4500.00 | 166500.00 |
| 24 | 2027-05 | 4791.38 | 291.38 | 4500.00 | 162000.00 |
| 25 | 2027-06 | 4783.50 | 283.50 | 4500.00 | 157500.00 |
| 26 | 2027-07 | 4775.63 | 275.63 | 4500.00 | 153000.00 |
| 27 | 2027-08 | 4767.75 | 267.75 | 4500.00 | 148500.00 |
| 28 | 2027-09 | 4759.88 | 259.88 | 4500.00 | 144000.00 |
| 29 | 2027-10 | 4752.00 | 252.00 | 4500.00 | 139500.00 |
| 30 | 2027-11 | 4744.13 | 244.13 | 4500.00 | 135000.00 |
| 31 | 2027-12 | 4736.25 | 236.25 | 4500.00 | 130500.00 |
| 32 | 2028-01 | 4728.38 | 228.38 | 4500.00 | 126000.00 |
| 33 | 2028-02 | 4720.50 | 220.50 | 4500.00 | 121500.00 |
| 34 | 2028-03 | 4712.63 | 212.63 | 4500.00 | 117000.00 |
| 35 | 2028-04 | 4704.75 | 204.75 | 4500.00 | 112500.00 |
| 36 | 2028-05 | 4696.88 | 196.88 | 4500.00 | 108000.00 |
| 37 | 2028-06 | 4689.00 | 189.00 | 4500.00 | 103500.00 |
| 38 | 2028-07 | 4681.13 | 181.13 | 4500.00 | 99000.00 |
| 39 | 2028-08 | 4673.25 | 173.25 | 4500.00 | 94500.00 |
| 40 | 2028-09 | 4665.38 | 165.38 | 4500.00 | 90000.00 |
| 41 | 2028-10 | 4657.50 | 157.50 | 4500.00 | 85500.00 |
| 42 | 2028-11 | 4649.63 | 149.63 | 4500.00 | 81000.00 |
| 43 | 2028-12 | 4641.75 | 141.75 | 4500.00 | 76500.00 |
| 44 | 2029-01 | 4633.88 | 133.88 | 4500.00 | 72000.00 |
| 45 | 2029-02 | 4626.00 | 126.00 | 4500.00 | 67500.00 |
| 46 | 2029-03 | 4618.13 | 118.13 | 4500.00 | 63000.00 |
| 47 | 2029-04 | 4610.25 | 110.25 | 4500.00 | 58500.00 |
| 48 | 2029-05 | 4602.38 | 102.38 | 4500.00 | 54000.00 |
| 49 | 2029-06 | 4594.50 | 94.50 | 4500.00 | 49500.00 |
| 50 | 2029-07 | 4586.63 | 86.63 | 4500.00 | 45000.00 |
| 51 | 2029-08 | 4578.75 | 78.75 | 4500.00 | 40500.00 |
| 52 | 2029-09 | 4570.88 | 70.88 | 4500.00 | 36000.00 |
| 53 | 2029-10 | 4563.00 | 63.00 | 4500.00 | 31500.00 |
| 54 | 2029-11 | 4555.13 | 55.13 | 4500.00 | 27000.00 |
| 55 | 2029-12 | 4547.25 | 47.25 | 4500.00 | 22500.00 |
| 56 | 2030-01 | 4539.38 | 39.38 | 4500.00 | 18000.00 |
| 57 | 2030-02 | 4531.50 | 31.50 | 4500.00 | 13500.00 |
| 58 | 2030-03 | 4523.63 | 23.63 | 4500.00 | 9000.00 |
| 59 | 2030-04 | 4515.75 | 15.75 | 4500.00 | 4500.00 |
| 60 | 2030-05 | 4507.88 | 7.88 | 4500.00 | 0.00 |