济南贷款23万（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：23万
还款月数：5年
每月还款：4041.45元
利息总额：1.25万
本息合计：24.25万
| 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 | 4041.45 | 402.50 | 3638.95 | 226361.05 |
| 2 | 2025-08 | 4041.45 | 396.13 | 3645.32 | 222715.72 |
| 3 | 2025-09 | 4041.45 | 389.75 | 3651.70 | 219064.02 |
| 4 | 2025-10 | 4041.45 | 383.36 | 3658.09 | 215405.93 |
| 5 | 2025-11 | 4041.45 | 376.96 | 3664.49 | 211741.43 |
| 6 | 2025-12 | 4041.45 | 370.55 | 3670.91 | 208070.53 |
| 7 | 2026-01 | 4041.45 | 364.12 | 3677.33 | 204393.19 |
| 8 | 2026-02 | 4041.45 | 357.69 | 3683.77 | 200709.43 |
| 9 | 2026-03 | 4041.45 | 351.24 | 3690.21 | 197019.22 |
| 10 | 2026-04 | 4041.45 | 344.78 | 3696.67 | 193322.54 |
| 11 | 2026-05 | 4041.45 | 338.31 | 3703.14 | 189619.40 |
| 12 | 2026-06 | 4041.45 | 331.83 | 3709.62 | 185909.78 |
| 13 | 2026-07 | 4041.45 | 325.34 | 3716.11 | 182193.67 |
| 14 | 2026-08 | 4041.45 | 318.84 | 3722.62 | 178471.05 |
| 15 | 2026-09 | 4041.45 | 312.32 | 3729.13 | 174741.92 |
| 16 | 2026-10 | 4041.45 | 305.80 | 3735.66 | 171006.27 |
| 17 | 2026-11 | 4041.45 | 299.26 | 3742.19 | 167264.07 |
| 18 | 2026-12 | 4041.45 | 292.71 | 3748.74 | 163515.33 |
| 19 | 2027-01 | 4041.45 | 286.15 | 3755.30 | 159760.03 |
| 20 | 2027-02 | 4041.45 | 279.58 | 3761.87 | 155998.15 |
| 21 | 2027-03 | 4041.45 | 273.00 | 3768.46 | 152229.70 |
| 22 | 2027-04 | 4041.45 | 266.40 | 3775.05 | 148454.64 |
| 23 | 2027-05 | 4041.45 | 259.80 | 3781.66 | 144672.98 |
| 24 | 2027-06 | 4041.45 | 253.18 | 3788.28 | 140884.71 |
| 25 | 2027-07 | 4041.45 | 246.55 | 3794.91 | 137089.80 |
| 26 | 2027-08 | 4041.45 | 239.91 | 3801.55 | 133288.25 |
| 27 | 2027-09 | 4041.45 | 233.25 | 3808.20 | 129480.05 |
| 28 | 2027-10 | 4041.45 | 226.59 | 3814.86 | 125665.19 |
| 29 | 2027-11 | 4041.45 | 219.91 | 3821.54 | 121843.65 |
| 30 | 2027-12 | 4041.45 | 213.23 | 3828.23 | 118015.42 |
| 31 | 2028-01 | 4041.45 | 206.53 | 3834.93 | 114180.49 |
| 32 | 2028-02 | 4041.45 | 199.82 | 3841.64 | 110338.85 |
| 33 | 2028-03 | 4041.45 | 193.09 | 3848.36 | 106490.49 |
| 34 | 2028-04 | 4041.45 | 186.36 | 3855.10 | 102635.40 |
| 35 | 2028-05 | 4041.45 | 179.61 | 3861.84 | 98773.55 |
| 36 | 2028-06 | 4041.45 | 172.85 | 3868.60 | 94904.95 |
| 37 | 2028-07 | 4041.45 | 166.08 | 3875.37 | 91029.58 |
| 38 | 2028-08 | 4041.45 | 159.30 | 3882.15 | 87147.43 |
| 39 | 2028-09 | 4041.45 | 152.51 | 3888.95 | 83258.48 |
| 40 | 2028-10 | 4041.45 | 145.70 | 3895.75 | 79362.73 |
| 41 | 2028-11 | 4041.45 | 138.88 | 3902.57 | 75460.16 |
| 42 | 2028-12 | 4041.45 | 132.06 | 3909.40 | 71550.76 |
| 43 | 2029-01 | 4041.45 | 125.21 | 3916.24 | 67634.52 |
| 44 | 2029-02 | 4041.45 | 118.36 | 3923.09 | 63711.42 |
| 45 | 2029-03 | 4041.45 | 111.49 | 3929.96 | 59781.47 |
| 46 | 2029-04 | 4041.45 | 104.62 | 3936.84 | 55844.63 |
| 47 | 2029-05 | 4041.45 | 97.73 | 3943.73 | 51900.90 |
| 48 | 2029-06 | 4041.45 | 90.83 | 3950.63 | 47950.27 |
| 49 | 2029-07 | 4041.45 | 83.91 | 3957.54 | 43992.73 |
| 50 | 2029-08 | 4041.45 | 76.99 | 3964.47 | 40028.26 |
| 51 | 2029-09 | 4041.45 | 70.05 | 3971.41 | 36056.86 |
| 52 | 2029-10 | 4041.45 | 63.10 | 3978.36 | 32078.50 |
| 53 | 2029-11 | 4041.45 | 56.14 | 3985.32 | 28093.19 |
| 54 | 2029-12 | 4041.45 | 49.16 | 3992.29 | 24100.89 |
| 55 | 2030-01 | 4041.45 | 42.18 | 3999.28 | 20101.62 |
| 56 | 2030-02 | 4041.45 | 35.18 | 4006.28 | 16095.34 |
| 57 | 2030-03 | 4041.45 | 28.17 | 4013.29 | 12082.05 |
| 58 | 2030-04 | 4041.45 | 21.14 | 4020.31 | 8061.74 |
| 59 | 2030-05 | 4041.45 | 14.11 | 4027.35 | 4034.39 |
| 60 | 2030-06 | 4041.45 | 7.06 | 4034.39 | 0.00 |
等额本金还款方式：
贷款总额：23万
还款月数：5年
首月还款：4235.83元
每月递减：6.71元
利息总额：1.23万
本息合计：24.23万
节省利息：211.03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 | 4235.83 | 402.50 | 3833.33 | 226166.67 |
| 2 | 2025-08 | 4229.13 | 395.79 | 3833.33 | 222333.33 |
| 3 | 2025-09 | 4222.42 | 389.08 | 3833.33 | 218500.00 |
| 4 | 2025-10 | 4215.71 | 382.38 | 3833.33 | 214666.67 |
| 5 | 2025-11 | 4209.00 | 375.67 | 3833.33 | 210833.33 |
| 6 | 2025-12 | 4202.29 | 368.96 | 3833.33 | 207000.00 |
| 7 | 2026-01 | 4195.58 | 362.25 | 3833.33 | 203166.67 |
| 8 | 2026-02 | 4188.88 | 355.54 | 3833.33 | 199333.33 |
| 9 | 2026-03 | 4182.17 | 348.83 | 3833.33 | 195500.00 |
| 10 | 2026-04 | 4175.46 | 342.13 | 3833.33 | 191666.67 |
| 11 | 2026-05 | 4168.75 | 335.42 | 3833.33 | 187833.33 |
| 12 | 2026-06 | 4162.04 | 328.71 | 3833.33 | 184000.00 |
| 13 | 2026-07 | 4155.33 | 322.00 | 3833.33 | 180166.67 |
| 14 | 2026-08 | 4148.63 | 315.29 | 3833.33 | 176333.33 |
| 15 | 2026-09 | 4141.92 | 308.58 | 3833.33 | 172500.00 |
| 16 | 2026-10 | 4135.21 | 301.88 | 3833.33 | 168666.67 |
| 17 | 2026-11 | 4128.50 | 295.17 | 3833.33 | 164833.33 |
| 18 | 2026-12 | 4121.79 | 288.46 | 3833.33 | 161000.00 |
| 19 | 2027-01 | 4115.08 | 281.75 | 3833.33 | 157166.67 |
| 20 | 2027-02 | 4108.38 | 275.04 | 3833.33 | 153333.33 |
| 21 | 2027-03 | 4101.67 | 268.33 | 3833.33 | 149500.00 |
| 22 | 2027-04 | 4094.96 | 261.63 | 3833.33 | 145666.67 |
| 23 | 2027-05 | 4088.25 | 254.92 | 3833.33 | 141833.33 |
| 24 | 2027-06 | 4081.54 | 248.21 | 3833.33 | 138000.00 |
| 25 | 2027-07 | 4074.83 | 241.50 | 3833.33 | 134166.67 |
| 26 | 2027-08 | 4068.13 | 234.79 | 3833.33 | 130333.33 |
| 27 | 2027-09 | 4061.42 | 228.08 | 3833.33 | 126500.00 |
| 28 | 2027-10 | 4054.71 | 221.38 | 3833.33 | 122666.67 |
| 29 | 2027-11 | 4048.00 | 214.67 | 3833.33 | 118833.33 |
| 30 | 2027-12 | 4041.29 | 207.96 | 3833.33 | 115000.00 |
| 31 | 2028-01 | 4034.58 | 201.25 | 3833.33 | 111166.67 |
| 32 | 2028-02 | 4027.88 | 194.54 | 3833.33 | 107333.33 |
| 33 | 2028-03 | 4021.17 | 187.83 | 3833.33 | 103500.00 |
| 34 | 2028-04 | 4014.46 | 181.13 | 3833.33 | 99666.67 |
| 35 | 2028-05 | 4007.75 | 174.42 | 3833.33 | 95833.33 |
| 36 | 2028-06 | 4001.04 | 167.71 | 3833.33 | 92000.00 |
| 37 | 2028-07 | 3994.33 | 161.00 | 3833.33 | 88166.67 |
| 38 | 2028-08 | 3987.63 | 154.29 | 3833.33 | 84333.33 |
| 39 | 2028-09 | 3980.92 | 147.58 | 3833.33 | 80500.00 |
| 40 | 2028-10 | 3974.21 | 140.88 | 3833.33 | 76666.67 |
| 41 | 2028-11 | 3967.50 | 134.17 | 3833.33 | 72833.33 |
| 42 | 2028-12 | 3960.79 | 127.46 | 3833.33 | 69000.00 |
| 43 | 2029-01 | 3954.08 | 120.75 | 3833.33 | 65166.67 |
| 44 | 2029-02 | 3947.38 | 114.04 | 3833.33 | 61333.33 |
| 45 | 2029-03 | 3940.67 | 107.33 | 3833.33 | 57500.00 |
| 46 | 2029-04 | 3933.96 | 100.63 | 3833.33 | 53666.67 |
| 47 | 2029-05 | 3927.25 | 93.92 | 3833.33 | 49833.33 |
| 48 | 2029-06 | 3920.54 | 87.21 | 3833.33 | 46000.00 |
| 49 | 2029-07 | 3913.83 | 80.50 | 3833.33 | 42166.67 |
| 50 | 2029-08 | 3907.13 | 73.79 | 3833.33 | 38333.33 |
| 51 | 2029-09 | 3900.42 | 67.08 | 3833.33 | 34500.00 |
| 52 | 2029-10 | 3893.71 | 60.38 | 3833.33 | 30666.67 |
| 53 | 2029-11 | 3887.00 | 53.67 | 3833.33 | 26833.33 |
| 54 | 2029-12 | 3880.29 | 46.96 | 3833.33 | 23000.00 |
| 55 | 2030-01 | 3873.58 | 40.25 | 3833.33 | 19166.67 |
| 56 | 2030-02 | 3866.88 | 33.54 | 3833.33 | 15333.33 |
| 57 | 2030-03 | 3860.17 | 26.83 | 3833.33 | 11500.00 |
| 58 | 2030-04 | 3853.46 | 20.13 | 3833.33 | 7666.67 |
| 59 | 2030-05 | 3846.75 | 13.42 | 3833.33 | 3833.33 |
| 60 | 2030-06 | 3840.04 | 6.71 | 3833.33 | 0.00 |