江门贷款32.22万（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：32.22万
还款月数：5年
每月还款：5825.38元
利息总额：2.73万
本息合计：34.95万
| 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 | 5825.38 | 872.63 | 4952.75 | 317247.25 |
| 2 | 2025-08 | 5825.38 | 859.21 | 4966.17 | 312281.08 |
| 3 | 2025-09 | 5825.38 | 845.76 | 4979.62 | 307301.47 |
| 4 | 2025-10 | 5825.38 | 832.27 | 4993.10 | 302308.37 |
| 5 | 2025-11 | 5825.38 | 818.75 | 5006.62 | 297301.74 |
| 6 | 2025-12 | 5825.38 | 805.19 | 5020.18 | 292281.56 |
| 7 | 2026-01 | 5825.38 | 791.60 | 5033.78 | 287247.78 |
| 8 | 2026-02 | 5825.38 | 777.96 | 5047.41 | 282200.36 |
| 9 | 2026-03 | 5825.38 | 764.29 | 5061.08 | 277139.28 |
| 10 | 2026-04 | 5825.38 | 750.59 | 5074.79 | 272064.49 |
| 11 | 2026-05 | 5825.38 | 736.84 | 5088.54 | 266975.95 |
| 12 | 2026-06 | 5825.38 | 723.06 | 5102.32 | 261873.63 |
| 13 | 2026-07 | 5825.38 | 709.24 | 5116.14 | 256757.50 |
| 14 | 2026-08 | 5825.38 | 695.38 | 5129.99 | 251627.51 |
| 15 | 2026-09 | 5825.38 | 681.49 | 5143.89 | 246483.62 |
| 16 | 2026-10 | 5825.38 | 667.56 | 5157.82 | 241325.80 |
| 17 | 2026-11 | 5825.38 | 653.59 | 5171.79 | 236154.02 |
| 18 | 2026-12 | 5825.38 | 639.58 | 5185.79 | 230968.22 |
| 19 | 2027-01 | 5825.38 | 625.54 | 5199.84 | 225768.39 |
| 20 | 2027-02 | 5825.38 | 611.46 | 5213.92 | 220554.47 |
| 21 | 2027-03 | 5825.38 | 597.34 | 5228.04 | 215326.42 |
| 22 | 2027-04 | 5825.38 | 583.18 | 5242.20 | 210084.22 |
| 23 | 2027-05 | 5825.38 | 568.98 | 5256.40 | 204827.82 |
| 24 | 2027-06 | 5825.38 | 554.74 | 5270.63 | 199557.19 |
| 25 | 2027-07 | 5825.38 | 540.47 | 5284.91 | 194272.28 |
| 26 | 2027-08 | 5825.38 | 526.15 | 5299.22 | 188973.06 |
| 27 | 2027-09 | 5825.38 | 511.80 | 5313.57 | 183659.48 |
| 28 | 2027-10 | 5825.38 | 497.41 | 5327.97 | 178331.52 |
| 29 | 2027-11 | 5825.38 | 482.98 | 5342.40 | 172989.12 |
| 30 | 2027-12 | 5825.38 | 468.51 | 5356.86 | 167632.26 |
| 31 | 2028-01 | 5825.38 | 454.00 | 5371.37 | 162260.88 |
| 32 | 2028-02 | 5825.38 | 439.46 | 5385.92 | 156874.96 |
| 33 | 2028-03 | 5825.38 | 424.87 | 5400.51 | 151474.46 |
| 34 | 2028-04 | 5825.38 | 410.24 | 5415.13 | 146059.32 |
| 35 | 2028-05 | 5825.38 | 395.58 | 5429.80 | 140629.52 |
| 36 | 2028-06 | 5825.38 | 380.87 | 5444.51 | 135185.02 |
| 37 | 2028-07 | 5825.38 | 366.13 | 5459.25 | 129725.77 |
| 38 | 2028-08 | 5825.38 | 351.34 | 5474.04 | 124251.73 |
| 39 | 2028-09 | 5825.38 | 336.52 | 5488.86 | 118762.87 |
| 40 | 2028-10 | 5825.38 | 321.65 | 5503.73 | 113259.14 |
| 41 | 2028-11 | 5825.38 | 306.74 | 5518.63 | 107740.51 |
| 42 | 2028-12 | 5825.38 | 291.80 | 5533.58 | 102206.93 |
| 43 | 2029-01 | 5825.38 | 276.81 | 5548.57 | 96658.36 |
| 44 | 2029-02 | 5825.38 | 261.78 | 5563.59 | 91094.77 |
| 45 | 2029-03 | 5825.38 | 246.72 | 5578.66 | 85516.11 |
| 46 | 2029-04 | 5825.38 | 231.61 | 5593.77 | 79922.34 |
| 47 | 2029-05 | 5825.38 | 216.46 | 5608.92 | 74313.42 |
| 48 | 2029-06 | 5825.38 | 201.27 | 5624.11 | 68689.31 |
| 49 | 2029-07 | 5825.38 | 186.03 | 5639.34 | 63049.96 |
| 50 | 2029-08 | 5825.38 | 170.76 | 5654.62 | 57395.35 |
| 51 | 2029-09 | 5825.38 | 155.45 | 5669.93 | 51725.42 |
| 52 | 2029-10 | 5825.38 | 140.09 | 5685.29 | 46040.13 |
| 53 | 2029-11 | 5825.38 | 124.69 | 5700.68 | 40339.44 |
| 54 | 2029-12 | 5825.38 | 109.25 | 5716.12 | 34623.32 |
| 55 | 2030-01 | 5825.38 | 93.77 | 5731.61 | 28891.72 |
| 56 | 2030-02 | 5825.38 | 78.25 | 5747.13 | 23144.59 |
| 57 | 2030-03 | 5825.38 | 62.68 | 5762.69 | 17381.89 |
| 58 | 2030-04 | 5825.38 | 47.08 | 5778.30 | 11603.59 |
| 59 | 2030-05 | 5825.38 | 31.43 | 5793.95 | 5809.64 |
| 60 | 2030-06 | 5825.38 | 15.73 | 5809.64 | 0.00 |
等额本金还款方式：
贷款总额：32.22万
还款月数：5年
首月还款：6242.63元
每月递减：14.54元
利息总额：2.66万
本息合计：34.88万
节省利息：707.54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 | 6242.63 | 872.63 | 5370.00 | 316830.00 |
| 2 | 2025-08 | 6228.08 | 858.08 | 5370.00 | 311460.00 |
| 3 | 2025-09 | 6213.54 | 843.54 | 5370.00 | 306090.00 |
| 4 | 2025-10 | 6198.99 | 828.99 | 5370.00 | 300720.00 |
| 5 | 2025-11 | 6184.45 | 814.45 | 5370.00 | 295350.00 |
| 6 | 2025-12 | 6169.91 | 799.91 | 5370.00 | 289980.00 |
| 7 | 2026-01 | 6155.36 | 785.36 | 5370.00 | 284610.00 |
| 8 | 2026-02 | 6140.82 | 770.82 | 5370.00 | 279240.00 |
| 9 | 2026-03 | 6126.27 | 756.27 | 5370.00 | 273870.00 |
| 10 | 2026-04 | 6111.73 | 741.73 | 5370.00 | 268500.00 |
| 11 | 2026-05 | 6097.19 | 727.19 | 5370.00 | 263130.00 |
| 12 | 2026-06 | 6082.64 | 712.64 | 5370.00 | 257760.00 |
| 13 | 2026-07 | 6068.10 | 698.10 | 5370.00 | 252390.00 |
| 14 | 2026-08 | 6053.56 | 683.56 | 5370.00 | 247020.00 |
| 15 | 2026-09 | 6039.01 | 669.01 | 5370.00 | 241650.00 |
| 16 | 2026-10 | 6024.47 | 654.47 | 5370.00 | 236280.00 |
| 17 | 2026-11 | 6009.93 | 639.93 | 5370.00 | 230910.00 |
| 18 | 2026-12 | 5995.38 | 625.38 | 5370.00 | 225540.00 |
| 19 | 2027-01 | 5980.84 | 610.84 | 5370.00 | 220170.00 |
| 20 | 2027-02 | 5966.29 | 596.29 | 5370.00 | 214800.00 |
| 21 | 2027-03 | 5951.75 | 581.75 | 5370.00 | 209430.00 |
| 22 | 2027-04 | 5937.21 | 567.21 | 5370.00 | 204060.00 |
| 23 | 2027-05 | 5922.66 | 552.66 | 5370.00 | 198690.00 |
| 24 | 2027-06 | 5908.12 | 538.12 | 5370.00 | 193320.00 |
| 25 | 2027-07 | 5893.57 | 523.58 | 5370.00 | 187950.00 |
| 26 | 2027-08 | 5879.03 | 509.03 | 5370.00 | 182580.00 |
| 27 | 2027-09 | 5864.49 | 494.49 | 5370.00 | 177210.00 |
| 28 | 2027-10 | 5849.94 | 479.94 | 5370.00 | 171840.00 |
| 29 | 2027-11 | 5835.40 | 465.40 | 5370.00 | 166470.00 |
| 30 | 2027-12 | 5820.86 | 450.86 | 5370.00 | 161100.00 |
| 31 | 2028-01 | 5806.31 | 436.31 | 5370.00 | 155730.00 |
| 32 | 2028-02 | 5791.77 | 421.77 | 5370.00 | 150360.00 |
| 33 | 2028-03 | 5777.23 | 407.23 | 5370.00 | 144990.00 |
| 34 | 2028-04 | 5762.68 | 392.68 | 5370.00 | 139620.00 |
| 35 | 2028-05 | 5748.14 | 378.14 | 5370.00 | 134250.00 |
| 36 | 2028-06 | 5733.59 | 363.59 | 5370.00 | 128880.00 |
| 37 | 2028-07 | 5719.05 | 349.05 | 5370.00 | 123510.00 |
| 38 | 2028-08 | 5704.51 | 334.51 | 5370.00 | 118140.00 |
| 39 | 2028-09 | 5689.96 | 319.96 | 5370.00 | 112770.00 |
| 40 | 2028-10 | 5675.42 | 305.42 | 5370.00 | 107400.00 |
| 41 | 2028-11 | 5660.88 | 290.88 | 5370.00 | 102030.00 |
| 42 | 2028-12 | 5646.33 | 276.33 | 5370.00 | 96660.00 |
| 43 | 2029-01 | 5631.79 | 261.79 | 5370.00 | 91290.00 |
| 44 | 2029-02 | 5617.24 | 247.24 | 5370.00 | 85920.00 |
| 45 | 2029-03 | 5602.70 | 232.70 | 5370.00 | 80550.00 |
| 46 | 2029-04 | 5588.16 | 218.16 | 5370.00 | 75180.00 |
| 47 | 2029-05 | 5573.61 | 203.61 | 5370.00 | 69810.00 |
| 48 | 2029-06 | 5559.07 | 189.07 | 5370.00 | 64440.00 |
| 49 | 2029-07 | 5544.52 | 174.53 | 5370.00 | 59070.00 |
| 50 | 2029-08 | 5529.98 | 159.98 | 5370.00 | 53700.00 |
| 51 | 2029-09 | 5515.44 | 145.44 | 5370.00 | 48330.00 |
| 52 | 2029-10 | 5500.89 | 130.89 | 5370.00 | 42960.00 |
| 53 | 2029-11 | 5486.35 | 116.35 | 5370.00 | 37590.00 |
| 54 | 2029-12 | 5471.81 | 101.81 | 5370.00 | 32220.00 |
| 55 | 2030-01 | 5457.26 | 87.26 | 5370.00 | 26850.00 |
| 56 | 2030-02 | 5442.72 | 72.72 | 5370.00 | 21480.00 |
| 57 | 2030-03 | 5428.18 | 58.18 | 5370.00 | 16110.00 |
| 58 | 2030-04 | 5413.63 | 43.63 | 5370.00 | 10740.00 |
| 59 | 2030-05 | 5399.09 | 29.09 | 5370.00 | 5370.00 |
| 60 | 2030-06 | 5384.54 | 14.54 | 5370.00 | 0.00 |