贷款2.4万（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：2.4万
还款月数：5年
每月还款：433.92元
利息总额：2035.2元
本息合计：2.6万
| 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 | 433.92 | 65.00 | 368.92 | 23631.08 |
| 2 | 2025-08 | 433.92 | 64.00 | 369.92 | 23261.16 |
| 3 | 2025-09 | 433.92 | 63.00 | 370.92 | 22890.24 |
| 4 | 2025-10 | 433.92 | 61.99 | 371.93 | 22518.31 |
| 5 | 2025-11 | 433.92 | 60.99 | 372.93 | 22145.38 |
| 6 | 2025-12 | 433.92 | 59.98 | 373.94 | 21771.44 |
| 7 | 2026-01 | 433.92 | 58.96 | 374.96 | 21396.48 |
| 8 | 2026-02 | 433.92 | 57.95 | 375.97 | 21020.51 |
| 9 | 2026-03 | 433.92 | 56.93 | 376.99 | 20643.52 |
| 10 | 2026-04 | 433.92 | 55.91 | 378.01 | 20265.51 |
| 11 | 2026-05 | 433.92 | 54.89 | 379.03 | 19886.48 |
| 12 | 2026-06 | 433.92 | 53.86 | 380.06 | 19506.42 |
| 13 | 2026-07 | 433.92 | 52.83 | 381.09 | 19125.33 |
| 14 | 2026-08 | 433.92 | 51.80 | 382.12 | 18743.20 |
| 15 | 2026-09 | 433.92 | 50.76 | 383.16 | 18360.05 |
| 16 | 2026-10 | 433.92 | 49.73 | 384.19 | 17975.85 |
| 17 | 2026-11 | 433.92 | 48.68 | 385.24 | 17590.62 |
| 18 | 2026-12 | 433.92 | 47.64 | 386.28 | 17204.34 |
| 19 | 2027-01 | 433.92 | 46.60 | 387.32 | 16817.01 |
| 20 | 2027-02 | 433.92 | 45.55 | 388.37 | 16428.64 |
| 21 | 2027-03 | 433.92 | 44.49 | 389.43 | 16039.21 |
| 22 | 2027-04 | 433.92 | 43.44 | 390.48 | 15648.73 |
| 23 | 2027-05 | 433.92 | 42.38 | 391.54 | 15257.19 |
| 24 | 2027-06 | 433.92 | 41.32 | 392.60 | 14864.60 |
| 25 | 2027-07 | 433.92 | 40.26 | 393.66 | 14470.93 |
| 26 | 2027-08 | 433.92 | 39.19 | 394.73 | 14076.21 |
| 27 | 2027-09 | 433.92 | 38.12 | 395.80 | 13680.41 |
| 28 | 2027-10 | 433.92 | 37.05 | 396.87 | 13283.54 |
| 29 | 2027-11 | 433.92 | 35.98 | 397.94 | 12885.60 |
| 30 | 2027-12 | 433.92 | 34.90 | 399.02 | 12486.57 |
| 31 | 2028-01 | 433.92 | 33.82 | 400.10 | 12086.47 |
| 32 | 2028-02 | 433.92 | 32.73 | 401.19 | 11685.29 |
| 33 | 2028-03 | 433.92 | 31.65 | 402.27 | 11283.01 |
| 34 | 2028-04 | 433.92 | 30.56 | 403.36 | 10879.65 |
| 35 | 2028-05 | 433.92 | 29.47 | 404.45 | 10475.20 |
| 36 | 2028-06 | 433.92 | 28.37 | 405.55 | 10069.65 |
| 37 | 2028-07 | 433.92 | 27.27 | 406.65 | 9663.00 |
| 38 | 2028-08 | 433.92 | 26.17 | 407.75 | 9255.25 |
| 39 | 2028-09 | 433.92 | 25.07 | 408.85 | 8846.40 |
| 40 | 2028-10 | 433.92 | 23.96 | 409.96 | 8436.44 |
| 41 | 2028-11 | 433.92 | 22.85 | 411.07 | 8025.36 |
| 42 | 2028-12 | 433.92 | 21.74 | 412.18 | 7613.18 |
| 43 | 2029-01 | 433.92 | 20.62 | 413.30 | 7199.88 |
| 44 | 2029-02 | 433.92 | 19.50 | 414.42 | 6785.46 |
| 45 | 2029-03 | 433.92 | 18.38 | 415.54 | 6369.92 |
| 46 | 2029-04 | 433.92 | 17.25 | 416.67 | 5953.25 |
| 47 | 2029-05 | 433.92 | 16.12 | 417.80 | 5535.45 |
| 48 | 2029-06 | 433.92 | 14.99 | 418.93 | 5116.52 |
| 49 | 2029-07 | 433.92 | 13.86 | 420.06 | 4696.46 |
| 50 | 2029-08 | 433.92 | 12.72 | 421.20 | 4275.26 |
| 51 | 2029-09 | 433.92 | 11.58 | 422.34 | 3852.92 |
| 52 | 2029-10 | 433.92 | 10.43 | 423.49 | 3429.43 |
| 53 | 2029-11 | 433.92 | 9.29 | 424.63 | 3004.80 |
| 54 | 2029-12 | 433.92 | 8.14 | 425.78 | 2579.02 |
| 55 | 2030-01 | 433.92 | 6.98 | 426.94 | 2152.08 |
| 56 | 2030-02 | 433.92 | 5.83 | 428.09 | 1723.99 |
| 57 | 2030-03 | 433.92 | 4.67 | 429.25 | 1294.74 |
| 58 | 2030-04 | 433.92 | 3.51 | 430.41 | 864.33 |
| 59 | 2030-05 | 433.92 | 2.34 | 431.58 | 432.75 |
| 60 | 2030-06 | 433.92 | 1.17 | 432.75 | 0.00 |
等额本金还款方式：
贷款总额：2.4万
还款月数：5年
首月还款：465元
每月递减：1.08元
利息总额：1982.5元
本息合计：2.6万
节省利息：52.7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 | 465.00 | 65.00 | 400.00 | 23600.00 |
| 2 | 2025-08 | 463.92 | 63.92 | 400.00 | 23200.00 |
| 3 | 2025-09 | 462.83 | 62.83 | 400.00 | 22800.00 |
| 4 | 2025-10 | 461.75 | 61.75 | 400.00 | 22400.00 |
| 5 | 2025-11 | 460.67 | 60.67 | 400.00 | 22000.00 |
| 6 | 2025-12 | 459.58 | 59.58 | 400.00 | 21600.00 |
| 7 | 2026-01 | 458.50 | 58.50 | 400.00 | 21200.00 |
| 8 | 2026-02 | 457.42 | 57.42 | 400.00 | 20800.00 |
| 9 | 2026-03 | 456.33 | 56.33 | 400.00 | 20400.00 |
| 10 | 2026-04 | 455.25 | 55.25 | 400.00 | 20000.00 |
| 11 | 2026-05 | 454.17 | 54.17 | 400.00 | 19600.00 |
| 12 | 2026-06 | 453.08 | 53.08 | 400.00 | 19200.00 |
| 13 | 2026-07 | 452.00 | 52.00 | 400.00 | 18800.00 |
| 14 | 2026-08 | 450.92 | 50.92 | 400.00 | 18400.00 |
| 15 | 2026-09 | 449.83 | 49.83 | 400.00 | 18000.00 |
| 16 | 2026-10 | 448.75 | 48.75 | 400.00 | 17600.00 |
| 17 | 2026-11 | 447.67 | 47.67 | 400.00 | 17200.00 |
| 18 | 2026-12 | 446.58 | 46.58 | 400.00 | 16800.00 |
| 19 | 2027-01 | 445.50 | 45.50 | 400.00 | 16400.00 |
| 20 | 2027-02 | 444.42 | 44.42 | 400.00 | 16000.00 |
| 21 | 2027-03 | 443.33 | 43.33 | 400.00 | 15600.00 |
| 22 | 2027-04 | 442.25 | 42.25 | 400.00 | 15200.00 |
| 23 | 2027-05 | 441.17 | 41.17 | 400.00 | 14800.00 |
| 24 | 2027-06 | 440.08 | 40.08 | 400.00 | 14400.00 |
| 25 | 2027-07 | 439.00 | 39.00 | 400.00 | 14000.00 |
| 26 | 2027-08 | 437.92 | 37.92 | 400.00 | 13600.00 |
| 27 | 2027-09 | 436.83 | 36.83 | 400.00 | 13200.00 |
| 28 | 2027-10 | 435.75 | 35.75 | 400.00 | 12800.00 |
| 29 | 2027-11 | 434.67 | 34.67 | 400.00 | 12400.00 |
| 30 | 2027-12 | 433.58 | 33.58 | 400.00 | 12000.00 |
| 31 | 2028-01 | 432.50 | 32.50 | 400.00 | 11600.00 |
| 32 | 2028-02 | 431.42 | 31.42 | 400.00 | 11200.00 |
| 33 | 2028-03 | 430.33 | 30.33 | 400.00 | 10800.00 |
| 34 | 2028-04 | 429.25 | 29.25 | 400.00 | 10400.00 |
| 35 | 2028-05 | 428.17 | 28.17 | 400.00 | 10000.00 |
| 36 | 2028-06 | 427.08 | 27.08 | 400.00 | 9600.00 |
| 37 | 2028-07 | 426.00 | 26.00 | 400.00 | 9200.00 |
| 38 | 2028-08 | 424.92 | 24.92 | 400.00 | 8800.00 |
| 39 | 2028-09 | 423.83 | 23.83 | 400.00 | 8400.00 |
| 40 | 2028-10 | 422.75 | 22.75 | 400.00 | 8000.00 |
| 41 | 2028-11 | 421.67 | 21.67 | 400.00 | 7600.00 |
| 42 | 2028-12 | 420.58 | 20.58 | 400.00 | 7200.00 |
| 43 | 2029-01 | 419.50 | 19.50 | 400.00 | 6800.00 |
| 44 | 2029-02 | 418.42 | 18.42 | 400.00 | 6400.00 |
| 45 | 2029-03 | 417.33 | 17.33 | 400.00 | 6000.00 |
| 46 | 2029-04 | 416.25 | 16.25 | 400.00 | 5600.00 |
| 47 | 2029-05 | 415.17 | 15.17 | 400.00 | 5200.00 |
| 48 | 2029-06 | 414.08 | 14.08 | 400.00 | 4800.00 |
| 49 | 2029-07 | 413.00 | 13.00 | 400.00 | 4400.00 |
| 50 | 2029-08 | 411.92 | 11.92 | 400.00 | 4000.00 |
| 51 | 2029-09 | 410.83 | 10.83 | 400.00 | 3600.00 |
| 52 | 2029-10 | 409.75 | 9.75 | 400.00 | 3200.00 |
| 53 | 2029-11 | 408.67 | 8.67 | 400.00 | 2800.00 |
| 54 | 2029-12 | 407.58 | 7.58 | 400.00 | 2400.00 |
| 55 | 2030-01 | 406.50 | 6.50 | 400.00 | 2000.00 |
| 56 | 2030-02 | 405.42 | 5.42 | 400.00 | 1600.00 |
| 57 | 2030-03 | 404.33 | 4.33 | 400.00 | 1200.00 |
| 58 | 2030-04 | 403.25 | 3.25 | 400.00 | 800.00 |
| 59 | 2030-05 | 402.17 | 2.17 | 400.00 | 400.00 |
| 60 | 2030-06 | 401.08 | 1.08 | 400.00 | 0.00 |