沈阳贷款23.8万（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：23.8万
还款月数：5年
每月还款：4223.94元
利息总额：1.54万
本息合计：25.34万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 4223.94 | 495.84 | 3728.10 | 234275.90 |
| 2 | 2025-08 | 4223.94 | 488.07 | 3735.87 | 230540.03 |
| 3 | 2025-09 | 4223.94 | 480.29 | 3743.65 | 226796.38 |
| 4 | 2025-10 | 4223.94 | 472.49 | 3751.45 | 223044.93 |
| 5 | 2025-11 | 4223.94 | 464.68 | 3759.27 | 219285.66 |
| 6 | 2025-12 | 4223.94 | 456.85 | 3767.10 | 215518.56 |
| 7 | 2026-01 | 4223.94 | 449.00 | 3774.95 | 211743.62 |
| 8 | 2026-02 | 4223.94 | 441.13 | 3782.81 | 207960.81 |
| 9 | 2026-03 | 4223.94 | 433.25 | 3790.69 | 204170.12 |
| 10 | 2026-04 | 4223.94 | 425.35 | 3798.59 | 200371.53 |
| 11 | 2026-05 | 4223.94 | 417.44 | 3806.50 | 196565.03 |
| 12 | 2026-06 | 4223.94 | 409.51 | 3814.43 | 192750.59 |
| 13 | 2026-07 | 4223.94 | 401.56 | 3822.38 | 188928.21 |
| 14 | 2026-08 | 4223.94 | 393.60 | 3830.34 | 185097.87 |
| 15 | 2026-09 | 4223.94 | 385.62 | 3838.32 | 181259.55 |
| 16 | 2026-10 | 4223.94 | 377.62 | 3846.32 | 177413.23 |
| 17 | 2026-11 | 4223.94 | 369.61 | 3854.33 | 173558.90 |
| 18 | 2026-12 | 4223.94 | 361.58 | 3862.36 | 169696.54 |
| 19 | 2027-01 | 4223.94 | 353.53 | 3870.41 | 165826.13 |
| 20 | 2027-02 | 4223.94 | 345.47 | 3878.47 | 161947.65 |
| 21 | 2027-03 | 4223.94 | 337.39 | 3886.55 | 158061.10 |
| 22 | 2027-04 | 4223.94 | 329.29 | 3894.65 | 154166.45 |
| 23 | 2027-05 | 4223.94 | 321.18 | 3902.76 | 150263.69 |
| 24 | 2027-06 | 4223.94 | 313.05 | 3910.89 | 146352.80 |
| 25 | 2027-07 | 4223.94 | 304.90 | 3919.04 | 142433.76 |
| 26 | 2027-08 | 4223.94 | 296.74 | 3927.21 | 138506.55 |
| 27 | 2027-09 | 4223.94 | 288.56 | 3935.39 | 134571.16 |
| 28 | 2027-10 | 4223.94 | 280.36 | 3943.59 | 130627.58 |
| 29 | 2027-11 | 4223.94 | 272.14 | 3951.80 | 126675.77 |
| 30 | 2027-12 | 4223.94 | 263.91 | 3960.04 | 122715.74 |
| 31 | 2028-01 | 4223.94 | 255.66 | 3968.29 | 118747.45 |
| 32 | 2028-02 | 4223.94 | 247.39 | 3976.55 | 114770.90 |
| 33 | 2028-03 | 4223.94 | 239.11 | 3984.84 | 110786.06 |
| 34 | 2028-04 | 4223.94 | 230.80 | 3993.14 | 106792.92 |
| 35 | 2028-05 | 4223.94 | 222.49 | 4001.46 | 102791.47 |
| 36 | 2028-06 | 4223.94 | 214.15 | 4009.79 | 98781.67 |
| 37 | 2028-07 | 4223.94 | 205.80 | 4018.15 | 94763.52 |
| 38 | 2028-08 | 4223.94 | 197.42 | 4026.52 | 90737.01 |
| 39 | 2028-09 | 4223.94 | 189.04 | 4034.91 | 86702.10 |
| 40 | 2028-10 | 4223.94 | 180.63 | 4043.31 | 82658.78 |
| 41 | 2028-11 | 4223.94 | 172.21 | 4051.74 | 78607.05 |
| 42 | 2028-12 | 4223.94 | 163.76 | 4060.18 | 74546.87 |
| 43 | 2029-01 | 4223.94 | 155.31 | 4068.64 | 70478.23 |
| 44 | 2029-02 | 4223.94 | 146.83 | 4077.11 | 66401.12 |
| 45 | 2029-03 | 4223.94 | 138.34 | 4085.61 | 62315.51 |
| 46 | 2029-04 | 4223.94 | 129.82 | 4094.12 | 58221.39 |
| 47 | 2029-05 | 4223.94 | 121.29 | 4102.65 | 54118.74 |
| 48 | 2029-06 | 4223.94 | 112.75 | 4111.20 | 50007.55 |
| 49 | 2029-07 | 4223.94 | 104.18 | 4119.76 | 45887.79 |
| 50 | 2029-08 | 4223.94 | 95.60 | 4128.34 | 41759.44 |
| 51 | 2029-09 | 4223.94 | 87.00 | 4136.94 | 37622.50 |
| 52 | 2029-10 | 4223.94 | 78.38 | 4145.56 | 33476.94 |
| 53 | 2029-11 | 4223.94 | 69.74 | 4154.20 | 29322.74 |
| 54 | 2029-12 | 4223.94 | 61.09 | 4162.85 | 25159.88 |
| 55 | 2030-01 | 4223.94 | 52.42 | 4171.53 | 20988.36 |
| 56 | 2030-02 | 4223.94 | 43.73 | 4180.22 | 16808.14 |
| 57 | 2030-03 | 4223.94 | 35.02 | 4188.93 | 12619.21 |
| 58 | 2030-04 | 4223.94 | 26.29 | 4197.65 | 8421.56 |
| 59 | 2030-05 | 4223.94 | 17.54 | 4206.40 | 4215.16 |
| 60 | 2030-06 | 4223.94 | 8.78 | 4215.16 | 0.00 |
等额本金还款方式：
贷款总额：23.8万
还款月数：5年
首月还款：4462.57元
每月递减：8.26元
利息总额：1.51万
本息合计：25.31万
节省利息：309.41元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 4462.57 | 495.84 | 3966.73 | 234037.27 |
| 2 | 2025-08 | 4454.31 | 487.58 | 3966.73 | 230070.53 |
| 3 | 2025-09 | 4446.05 | 479.31 | 3966.73 | 226103.80 |
| 4 | 2025-10 | 4437.78 | 471.05 | 3966.73 | 222137.07 |
| 5 | 2025-11 | 4429.52 | 462.79 | 3966.73 | 218170.33 |
| 6 | 2025-12 | 4421.25 | 454.52 | 3966.73 | 214203.60 |
| 7 | 2026-01 | 4412.99 | 446.26 | 3966.73 | 210236.87 |
| 8 | 2026-02 | 4404.73 | 437.99 | 3966.73 | 206270.13 |
| 9 | 2026-03 | 4396.46 | 429.73 | 3966.73 | 202303.40 |
| 10 | 2026-04 | 4388.20 | 421.47 | 3966.73 | 198336.67 |
| 11 | 2026-05 | 4379.93 | 413.20 | 3966.73 | 194369.93 |
| 12 | 2026-06 | 4371.67 | 404.94 | 3966.73 | 190403.20 |
| 13 | 2026-07 | 4363.41 | 396.67 | 3966.73 | 186436.47 |
| 14 | 2026-08 | 4355.14 | 388.41 | 3966.73 | 182469.73 |
| 15 | 2026-09 | 4346.88 | 380.15 | 3966.73 | 178503.00 |
| 16 | 2026-10 | 4338.61 | 371.88 | 3966.73 | 174536.27 |
| 17 | 2026-11 | 4330.35 | 363.62 | 3966.73 | 170569.53 |
| 18 | 2026-12 | 4322.09 | 355.35 | 3966.73 | 166602.80 |
| 19 | 2027-01 | 4313.82 | 347.09 | 3966.73 | 162636.07 |
| 20 | 2027-02 | 4305.56 | 338.83 | 3966.73 | 158669.33 |
| 21 | 2027-03 | 4297.29 | 330.56 | 3966.73 | 154702.60 |
| 22 | 2027-04 | 4289.03 | 322.30 | 3966.73 | 150735.87 |
| 23 | 2027-05 | 4280.77 | 314.03 | 3966.73 | 146769.13 |
| 24 | 2027-06 | 4272.50 | 305.77 | 3966.73 | 142802.40 |
| 25 | 2027-07 | 4264.24 | 297.51 | 3966.73 | 138835.67 |
| 26 | 2027-08 | 4255.97 | 289.24 | 3966.73 | 134868.93 |
| 27 | 2027-09 | 4247.71 | 280.98 | 3966.73 | 130902.20 |
| 28 | 2027-10 | 4239.45 | 272.71 | 3966.73 | 126935.47 |
| 29 | 2027-11 | 4231.18 | 264.45 | 3966.73 | 122968.73 |
| 30 | 2027-12 | 4222.92 | 256.18 | 3966.73 | 119002.00 |
| 31 | 2028-01 | 4214.65 | 247.92 | 3966.73 | 115035.27 |
| 32 | 2028-02 | 4206.39 | 239.66 | 3966.73 | 111068.53 |
| 33 | 2028-03 | 4198.13 | 231.39 | 3966.73 | 107101.80 |
| 34 | 2028-04 | 4189.86 | 223.13 | 3966.73 | 103135.07 |
| 35 | 2028-05 | 4181.60 | 214.86 | 3966.73 | 99168.33 |
| 36 | 2028-06 | 4173.33 | 206.60 | 3966.73 | 95201.60 |
| 37 | 2028-07 | 4165.07 | 198.34 | 3966.73 | 91234.87 |
| 38 | 2028-08 | 4156.81 | 190.07 | 3966.73 | 87268.13 |
| 39 | 2028-09 | 4148.54 | 181.81 | 3966.73 | 83301.40 |
| 40 | 2028-10 | 4140.28 | 173.54 | 3966.73 | 79334.67 |
| 41 | 2028-11 | 4132.01 | 165.28 | 3966.73 | 75367.93 |
| 42 | 2028-12 | 4123.75 | 157.02 | 3966.73 | 71401.20 |
| 43 | 2029-01 | 4115.49 | 148.75 | 3966.73 | 67434.47 |
| 44 | 2029-02 | 4107.22 | 140.49 | 3966.73 | 63467.73 |
| 45 | 2029-03 | 4098.96 | 132.22 | 3966.73 | 59501.00 |
| 46 | 2029-04 | 4090.69 | 123.96 | 3966.73 | 55534.27 |
| 47 | 2029-05 | 4082.43 | 115.70 | 3966.73 | 51567.53 |
| 48 | 2029-06 | 4074.17 | 107.43 | 3966.73 | 47600.80 |
| 49 | 2029-07 | 4065.90 | 99.17 | 3966.73 | 43634.07 |
| 50 | 2029-08 | 4057.64 | 90.90 | 3966.73 | 39667.33 |
| 51 | 2029-09 | 4049.37 | 82.64 | 3966.73 | 35700.60 |
| 52 | 2029-10 | 4041.11 | 74.38 | 3966.73 | 31733.87 |
| 53 | 2029-11 | 4032.85 | 66.11 | 3966.73 | 27767.13 |
| 54 | 2029-12 | 4024.58 | 57.85 | 3966.73 | 23800.40 |
| 55 | 2030-01 | 4016.32 | 49.58 | 3966.73 | 19833.67 |
| 56 | 2030-02 | 4008.05 | 41.32 | 3966.73 | 15866.93 |
| 57 | 2030-03 | 3999.79 | 33.06 | 3966.73 | 11900.20 |
| 58 | 2030-04 | 3991.53 | 24.79 | 3966.73 | 7933.47 |
| 59 | 2030-05 | 3983.26 | 16.53 | 3966.73 | 3966.73 |
| 60 | 2030-06 | 3975.00 | 8.26 | 3966.73 | 0.00 |