南京贷款30万（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：30万
还款月数：5年
每月还款：5424元
利息总额：2.54万
本息合计：32.54万
| 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 | 5424.00 | 812.50 | 4611.50 | 295388.50 |
| 2 | 2026-02 | 5424.00 | 800.01 | 4623.99 | 290764.51 |
| 3 | 2026-03 | 5424.00 | 787.49 | 4636.51 | 286128.00 |
| 4 | 2026-04 | 5424.00 | 774.93 | 4649.07 | 281478.92 |
| 5 | 2026-05 | 5424.00 | 762.34 | 4661.66 | 276817.26 |
| 6 | 2026-06 | 5424.00 | 749.71 | 4674.29 | 272142.98 |
| 7 | 2026-07 | 5424.00 | 737.05 | 4686.95 | 267456.03 |
| 8 | 2026-08 | 5424.00 | 724.36 | 4699.64 | 262756.39 |
| 9 | 2026-09 | 5424.00 | 711.63 | 4712.37 | 258044.02 |
| 10 | 2026-10 | 5424.00 | 698.87 | 4725.13 | 253318.89 |
| 11 | 2026-11 | 5424.00 | 686.07 | 4737.93 | 248580.96 |
| 12 | 2026-12 | 5424.00 | 673.24 | 4750.76 | 243830.20 |
| 13 | 2027-01 | 5424.00 | 660.37 | 4763.63 | 239066.57 |
| 14 | 2027-02 | 5424.00 | 647.47 | 4776.53 | 234290.04 |
| 15 | 2027-03 | 5424.00 | 634.54 | 4789.47 | 229500.58 |
| 16 | 2027-04 | 5424.00 | 621.56 | 4802.44 | 224698.14 |
| 17 | 2027-05 | 5424.00 | 608.56 | 4815.44 | 219882.70 |
| 18 | 2027-06 | 5424.00 | 595.52 | 4828.49 | 215054.21 |
| 19 | 2027-07 | 5424.00 | 582.44 | 4841.56 | 210212.65 |
| 20 | 2027-08 | 5424.00 | 569.33 | 4854.67 | 205357.98 |
| 21 | 2027-09 | 5424.00 | 556.18 | 4867.82 | 200490.15 |
| 22 | 2027-10 | 5424.00 | 542.99 | 4881.01 | 195609.15 |
| 23 | 2027-11 | 5424.00 | 529.77 | 4894.23 | 190714.92 |
| 24 | 2027-12 | 5424.00 | 516.52 | 4907.48 | 185807.44 |
| 25 | 2028-01 | 5424.00 | 503.23 | 4920.77 | 180886.67 |
| 26 | 2028-02 | 5424.00 | 489.90 | 4934.10 | 175952.57 |
| 27 | 2028-03 | 5424.00 | 476.54 | 4947.46 | 171005.11 |
| 28 | 2028-04 | 5424.00 | 463.14 | 4960.86 | 166044.24 |
| 29 | 2028-05 | 5424.00 | 449.70 | 4974.30 | 161069.95 |
| 30 | 2028-06 | 5424.00 | 436.23 | 4987.77 | 156082.18 |
| 31 | 2028-07 | 5424.00 | 422.72 | 5001.28 | 151080.90 |
| 32 | 2028-08 | 5424.00 | 409.18 | 5014.82 | 146066.07 |
| 33 | 2028-09 | 5424.00 | 395.60 | 5028.41 | 141037.67 |
| 34 | 2028-10 | 5424.00 | 381.98 | 5042.02 | 135995.65 |
| 35 | 2028-11 | 5424.00 | 368.32 | 5055.68 | 130939.97 |
| 36 | 2028-12 | 5424.00 | 354.63 | 5069.37 | 125870.60 |
| 37 | 2029-01 | 5424.00 | 340.90 | 5083.10 | 120787.49 |
| 38 | 2029-02 | 5424.00 | 327.13 | 5096.87 | 115690.63 |
| 39 | 2029-03 | 5424.00 | 313.33 | 5110.67 | 110579.95 |
| 40 | 2029-04 | 5424.00 | 299.49 | 5124.51 | 105455.44 |
| 41 | 2029-05 | 5424.00 | 285.61 | 5138.39 | 100317.05 |
| 42 | 2029-06 | 5424.00 | 271.69 | 5152.31 | 95164.74 |
| 43 | 2029-07 | 5424.00 | 257.74 | 5166.26 | 89998.48 |
| 44 | 2029-08 | 5424.00 | 243.75 | 5180.25 | 84818.22 |
| 45 | 2029-09 | 5424.00 | 229.72 | 5194.28 | 79623.94 |
| 46 | 2029-10 | 5424.00 | 215.65 | 5208.35 | 74415.59 |
| 47 | 2029-11 | 5424.00 | 201.54 | 5222.46 | 69193.13 |
| 48 | 2029-12 | 5424.00 | 187.40 | 5236.60 | 63956.52 |
| 49 | 2030-01 | 5424.00 | 173.22 | 5250.79 | 58705.74 |
| 50 | 2030-02 | 5424.00 | 158.99 | 5265.01 | 53440.73 |
| 51 | 2030-03 | 5424.00 | 144.74 | 5279.27 | 48161.47 |
| 52 | 2030-04 | 5424.00 | 130.44 | 5293.56 | 42867.90 |
| 53 | 2030-05 | 5424.00 | 116.10 | 5307.90 | 37560.00 |
| 54 | 2030-06 | 5424.00 | 101.73 | 5322.28 | 32237.73 |
| 55 | 2030-07 | 5424.00 | 87.31 | 5336.69 | 26901.04 |
| 56 | 2030-08 | 5424.00 | 72.86 | 5351.14 | 21549.89 |
| 57 | 2030-09 | 5424.00 | 58.36 | 5365.64 | 16184.26 |
| 58 | 2030-10 | 5424.00 | 43.83 | 5380.17 | 10804.09 |
| 59 | 2030-11 | 5424.00 | 29.26 | 5394.74 | 5409.35 |
| 60 | 2030-12 | 5424.00 | 14.65 | 5409.35 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：5年
首月还款：5812.5元
每月递减：13.54元
利息总额：2.48万
本息合计：32.48万
节省利息：658.79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 | 5812.50 | 812.50 | 5000.00 | 295000.00 |
| 2 | 2026-02 | 5798.96 | 798.96 | 5000.00 | 290000.00 |
| 3 | 2026-03 | 5785.42 | 785.42 | 5000.00 | 285000.00 |
| 4 | 2026-04 | 5771.88 | 771.88 | 5000.00 | 280000.00 |
| 5 | 2026-05 | 5758.33 | 758.33 | 5000.00 | 275000.00 |
| 6 | 2026-06 | 5744.79 | 744.79 | 5000.00 | 270000.00 |
| 7 | 2026-07 | 5731.25 | 731.25 | 5000.00 | 265000.00 |
| 8 | 2026-08 | 5717.71 | 717.71 | 5000.00 | 260000.00 |
| 9 | 2026-09 | 5704.17 | 704.17 | 5000.00 | 255000.00 |
| 10 | 2026-10 | 5690.63 | 690.63 | 5000.00 | 250000.00 |
| 11 | 2026-11 | 5677.08 | 677.08 | 5000.00 | 245000.00 |
| 12 | 2026-12 | 5663.54 | 663.54 | 5000.00 | 240000.00 |
| 13 | 2027-01 | 5650.00 | 650.00 | 5000.00 | 235000.00 |
| 14 | 2027-02 | 5636.46 | 636.46 | 5000.00 | 230000.00 |
| 15 | 2027-03 | 5622.92 | 622.92 | 5000.00 | 225000.00 |
| 16 | 2027-04 | 5609.38 | 609.38 | 5000.00 | 220000.00 |
| 17 | 2027-05 | 5595.83 | 595.83 | 5000.00 | 215000.00 |
| 18 | 2027-06 | 5582.29 | 582.29 | 5000.00 | 210000.00 |
| 19 | 2027-07 | 5568.75 | 568.75 | 5000.00 | 205000.00 |
| 20 | 2027-08 | 5555.21 | 555.21 | 5000.00 | 200000.00 |
| 21 | 2027-09 | 5541.67 | 541.67 | 5000.00 | 195000.00 |
| 22 | 2027-10 | 5528.13 | 528.13 | 5000.00 | 190000.00 |
| 23 | 2027-11 | 5514.58 | 514.58 | 5000.00 | 185000.00 |
| 24 | 2027-12 | 5501.04 | 501.04 | 5000.00 | 180000.00 |
| 25 | 2028-01 | 5487.50 | 487.50 | 5000.00 | 175000.00 |
| 26 | 2028-02 | 5473.96 | 473.96 | 5000.00 | 170000.00 |
| 27 | 2028-03 | 5460.42 | 460.42 | 5000.00 | 165000.00 |
| 28 | 2028-04 | 5446.88 | 446.88 | 5000.00 | 160000.00 |
| 29 | 2028-05 | 5433.33 | 433.33 | 5000.00 | 155000.00 |
| 30 | 2028-06 | 5419.79 | 419.79 | 5000.00 | 150000.00 |
| 31 | 2028-07 | 5406.25 | 406.25 | 5000.00 | 145000.00 |
| 32 | 2028-08 | 5392.71 | 392.71 | 5000.00 | 140000.00 |
| 33 | 2028-09 | 5379.17 | 379.17 | 5000.00 | 135000.00 |
| 34 | 2028-10 | 5365.63 | 365.63 | 5000.00 | 130000.00 |
| 35 | 2028-11 | 5352.08 | 352.08 | 5000.00 | 125000.00 |
| 36 | 2028-12 | 5338.54 | 338.54 | 5000.00 | 120000.00 |
| 37 | 2029-01 | 5325.00 | 325.00 | 5000.00 | 115000.00 |
| 38 | 2029-02 | 5311.46 | 311.46 | 5000.00 | 110000.00 |
| 39 | 2029-03 | 5297.92 | 297.92 | 5000.00 | 105000.00 |
| 40 | 2029-04 | 5284.38 | 284.38 | 5000.00 | 100000.00 |
| 41 | 2029-05 | 5270.83 | 270.83 | 5000.00 | 95000.00 |
| 42 | 2029-06 | 5257.29 | 257.29 | 5000.00 | 90000.00 |
| 43 | 2029-07 | 5243.75 | 243.75 | 5000.00 | 85000.00 |
| 44 | 2029-08 | 5230.21 | 230.21 | 5000.00 | 80000.00 |
| 45 | 2029-09 | 5216.67 | 216.67 | 5000.00 | 75000.00 |
| 46 | 2029-10 | 5203.13 | 203.13 | 5000.00 | 70000.00 |
| 47 | 2029-11 | 5189.58 | 189.58 | 5000.00 | 65000.00 |
| 48 | 2029-12 | 5176.04 | 176.04 | 5000.00 | 60000.00 |
| 49 | 2030-01 | 5162.50 | 162.50 | 5000.00 | 55000.00 |
| 50 | 2030-02 | 5148.96 | 148.96 | 5000.00 | 50000.00 |
| 51 | 2030-03 | 5135.42 | 135.42 | 5000.00 | 45000.00 |
| 52 | 2030-04 | 5121.88 | 121.88 | 5000.00 | 40000.00 |
| 53 | 2030-05 | 5108.33 | 108.33 | 5000.00 | 35000.00 |
| 54 | 2030-06 | 5094.79 | 94.79 | 5000.00 | 30000.00 |
| 55 | 2030-07 | 5081.25 | 81.25 | 5000.00 | 25000.00 |
| 56 | 2030-08 | 5067.71 | 67.71 | 5000.00 | 20000.00 |
| 57 | 2030-09 | 5054.17 | 54.17 | 5000.00 | 15000.00 |
| 58 | 2030-10 | 5040.63 | 40.63 | 5000.00 | 10000.00 |
| 59 | 2030-11 | 5027.08 | 27.08 | 5000.00 | 5000.00 |
| 60 | 2030-12 | 5013.54 | 13.54 | 5000.00 | 0.00 |