山东贷款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：5327.52元
利息总额：1.97万
本息合计：31.97万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 5327.52 | 631.25 | 4696.27 | 295303.73 |
| 2 | 2025-09 | 5327.52 | 621.37 | 4706.15 | 290597.59 |
| 3 | 2025-10 | 5327.52 | 611.47 | 4716.05 | 285881.54 |
| 4 | 2025-11 | 5327.52 | 601.54 | 4725.97 | 281155.56 |
| 5 | 2025-12 | 5327.52 | 591.60 | 4735.92 | 276419.64 |
| 6 | 2026-01 | 5327.52 | 581.63 | 4745.88 | 271673.76 |
| 7 | 2026-02 | 5327.52 | 571.65 | 4755.87 | 266917.89 |
| 8 | 2026-03 | 5327.52 | 561.64 | 4765.88 | 262152.02 |
| 9 | 2026-04 | 5327.52 | 551.61 | 4775.90 | 257376.11 |
| 10 | 2026-05 | 5327.52 | 541.56 | 4785.95 | 252590.16 |
| 11 | 2026-06 | 5327.52 | 531.49 | 4796.02 | 247794.13 |
| 12 | 2026-07 | 5327.52 | 521.40 | 4806.12 | 242988.02 |
| 13 | 2026-08 | 5327.52 | 511.29 | 4816.23 | 238171.79 |
| 14 | 2026-09 | 5327.52 | 501.15 | 4826.36 | 233345.42 |
| 15 | 2026-10 | 5327.52 | 491.00 | 4836.52 | 228508.91 |
| 16 | 2026-11 | 5327.52 | 480.82 | 4846.70 | 223662.21 |
| 17 | 2026-12 | 5327.52 | 470.62 | 4856.89 | 218805.32 |
| 18 | 2027-01 | 5327.52 | 460.40 | 4867.11 | 213938.20 |
| 19 | 2027-02 | 5327.52 | 450.16 | 4877.35 | 209060.85 |
| 20 | 2027-03 | 5327.52 | 439.90 | 4887.62 | 204173.23 |
| 21 | 2027-04 | 5327.52 | 429.61 | 4897.90 | 199275.33 |
| 22 | 2027-05 | 5327.52 | 419.31 | 4908.21 | 194367.12 |
| 23 | 2027-06 | 5327.52 | 408.98 | 4918.54 | 189448.59 |
| 24 | 2027-07 | 5327.52 | 398.63 | 4928.88 | 184519.70 |
| 25 | 2027-08 | 5327.52 | 388.26 | 4939.26 | 179580.45 |
| 26 | 2027-09 | 5327.52 | 377.87 | 4949.65 | 174630.80 |
| 27 | 2027-10 | 5327.52 | 367.45 | 4960.06 | 169670.73 |
| 28 | 2027-11 | 5327.52 | 357.02 | 4970.50 | 164700.23 |
| 29 | 2027-12 | 5327.52 | 346.56 | 4980.96 | 159719.27 |
| 30 | 2028-01 | 5327.52 | 336.08 | 4991.44 | 154727.83 |
| 31 | 2028-02 | 5327.52 | 325.57 | 5001.94 | 149725.89 |
| 32 | 2028-03 | 5327.52 | 315.05 | 5012.47 | 144713.42 |
| 33 | 2028-04 | 5327.52 | 304.50 | 5023.01 | 139690.41 |
| 34 | 2028-05 | 5327.52 | 293.93 | 5033.58 | 134656.82 |
| 35 | 2028-06 | 5327.52 | 283.34 | 5044.18 | 129612.65 |
| 36 | 2028-07 | 5327.52 | 272.73 | 5054.79 | 124557.86 |
| 37 | 2028-08 | 5327.52 | 262.09 | 5065.43 | 119492.43 |
| 38 | 2028-09 | 5327.52 | 251.43 | 5076.08 | 114416.35 |
| 39 | 2028-10 | 5327.52 | 240.75 | 5086.77 | 109329.58 |
| 40 | 2028-11 | 5327.52 | 230.05 | 5097.47 | 104232.12 |
| 41 | 2028-12 | 5327.52 | 219.32 | 5108.19 | 99123.92 |
| 42 | 2029-01 | 5327.52 | 208.57 | 5118.94 | 94004.98 |
| 43 | 2029-02 | 5327.52 | 197.80 | 5129.71 | 88875.26 |
| 44 | 2029-03 | 5327.52 | 187.01 | 5140.51 | 83734.76 |
| 45 | 2029-04 | 5327.52 | 176.19 | 5151.32 | 78583.43 |
| 46 | 2029-05 | 5327.52 | 165.35 | 5162.16 | 73421.27 |
| 47 | 2029-06 | 5327.52 | 154.49 | 5173.03 | 68248.24 |
| 48 | 2029-07 | 5327.52 | 143.61 | 5183.91 | 63064.33 |
| 49 | 2029-08 | 5327.52 | 132.70 | 5194.82 | 57869.52 |
| 50 | 2029-09 | 5327.52 | 121.77 | 5205.75 | 52663.77 |
| 51 | 2029-10 | 5327.52 | 110.81 | 5216.70 | 47447.06 |
| 52 | 2029-11 | 5327.52 | 99.84 | 5227.68 | 42219.38 |
| 53 | 2029-12 | 5327.52 | 88.84 | 5238.68 | 36980.70 |
| 54 | 2030-01 | 5327.52 | 77.81 | 5249.70 | 31731.00 |
| 55 | 2030-02 | 5327.52 | 66.77 | 5260.75 | 26470.25 |
| 56 | 2030-03 | 5327.52 | 55.70 | 5271.82 | 21198.43 |
| 57 | 2030-04 | 5327.52 | 44.61 | 5282.91 | 15915.52 |
| 58 | 2030-05 | 5327.52 | 33.49 | 5294.03 | 10621.50 |
| 59 | 2030-06 | 5327.52 | 22.35 | 5305.17 | 5316.33 |
| 60 | 2030-07 | 5327.52 | 11.19 | 5316.33 | 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：5631.25元
每月递减：10.52元
利息总额：1.93万
本息合计：31.93万
节省利息：397.84元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 5631.25 | 631.25 | 5000.00 | 295000.00 |
| 2 | 2025-09 | 5620.73 | 620.73 | 5000.00 | 290000.00 |
| 3 | 2025-10 | 5610.21 | 610.21 | 5000.00 | 285000.00 |
| 4 | 2025-11 | 5599.69 | 599.69 | 5000.00 | 280000.00 |
| 5 | 2025-12 | 5589.17 | 589.17 | 5000.00 | 275000.00 |
| 6 | 2026-01 | 5578.65 | 578.65 | 5000.00 | 270000.00 |
| 7 | 2026-02 | 5568.13 | 568.13 | 5000.00 | 265000.00 |
| 8 | 2026-03 | 5557.60 | 557.60 | 5000.00 | 260000.00 |
| 9 | 2026-04 | 5547.08 | 547.08 | 5000.00 | 255000.00 |
| 10 | 2026-05 | 5536.56 | 536.56 | 5000.00 | 250000.00 |
| 11 | 2026-06 | 5526.04 | 526.04 | 5000.00 | 245000.00 |
| 12 | 2026-07 | 5515.52 | 515.52 | 5000.00 | 240000.00 |
| 13 | 2026-08 | 5505.00 | 505.00 | 5000.00 | 235000.00 |
| 14 | 2026-09 | 5494.48 | 494.48 | 5000.00 | 230000.00 |
| 15 | 2026-10 | 5483.96 | 483.96 | 5000.00 | 225000.00 |
| 16 | 2026-11 | 5473.44 | 473.44 | 5000.00 | 220000.00 |
| 17 | 2026-12 | 5462.92 | 462.92 | 5000.00 | 215000.00 |
| 18 | 2027-01 | 5452.40 | 452.40 | 5000.00 | 210000.00 |
| 19 | 2027-02 | 5441.88 | 441.87 | 5000.00 | 205000.00 |
| 20 | 2027-03 | 5431.35 | 431.35 | 5000.00 | 200000.00 |
| 21 | 2027-04 | 5420.83 | 420.83 | 5000.00 | 195000.00 |
| 22 | 2027-05 | 5410.31 | 410.31 | 5000.00 | 190000.00 |
| 23 | 2027-06 | 5399.79 | 399.79 | 5000.00 | 185000.00 |
| 24 | 2027-07 | 5389.27 | 389.27 | 5000.00 | 180000.00 |
| 25 | 2027-08 | 5378.75 | 378.75 | 5000.00 | 175000.00 |
| 26 | 2027-09 | 5368.23 | 368.23 | 5000.00 | 170000.00 |
| 27 | 2027-10 | 5357.71 | 357.71 | 5000.00 | 165000.00 |
| 28 | 2027-11 | 5347.19 | 347.19 | 5000.00 | 160000.00 |
| 29 | 2027-12 | 5336.67 | 336.67 | 5000.00 | 155000.00 |
| 30 | 2028-01 | 5326.15 | 326.15 | 5000.00 | 150000.00 |
| 31 | 2028-02 | 5315.63 | 315.63 | 5000.00 | 145000.00 |
| 32 | 2028-03 | 5305.10 | 305.10 | 5000.00 | 140000.00 |
| 33 | 2028-04 | 5294.58 | 294.58 | 5000.00 | 135000.00 |
| 34 | 2028-05 | 5284.06 | 284.06 | 5000.00 | 130000.00 |
| 35 | 2028-06 | 5273.54 | 273.54 | 5000.00 | 125000.00 |
| 36 | 2028-07 | 5263.02 | 263.02 | 5000.00 | 120000.00 |
| 37 | 2028-08 | 5252.50 | 252.50 | 5000.00 | 115000.00 |
| 38 | 2028-09 | 5241.98 | 241.98 | 5000.00 | 110000.00 |
| 39 | 2028-10 | 5231.46 | 231.46 | 5000.00 | 105000.00 |
| 40 | 2028-11 | 5220.94 | 220.94 | 5000.00 | 100000.00 |
| 41 | 2028-12 | 5210.42 | 210.42 | 5000.00 | 95000.00 |
| 42 | 2029-01 | 5199.90 | 199.90 | 5000.00 | 90000.00 |
| 43 | 2029-02 | 5189.38 | 189.38 | 5000.00 | 85000.00 |
| 44 | 2029-03 | 5178.85 | 178.85 | 5000.00 | 80000.00 |
| 45 | 2029-04 | 5168.33 | 168.33 | 5000.00 | 75000.00 |
| 46 | 2029-05 | 5157.81 | 157.81 | 5000.00 | 70000.00 |
| 47 | 2029-06 | 5147.29 | 147.29 | 5000.00 | 65000.00 |
| 48 | 2029-07 | 5136.77 | 136.77 | 5000.00 | 60000.00 |
| 49 | 2029-08 | 5126.25 | 126.25 | 5000.00 | 55000.00 |
| 50 | 2029-09 | 5115.73 | 115.73 | 5000.00 | 50000.00 |
| 51 | 2029-10 | 5105.21 | 105.21 | 5000.00 | 45000.00 |
| 52 | 2029-11 | 5094.69 | 94.69 | 5000.00 | 40000.00 |
| 53 | 2029-12 | 5084.17 | 84.17 | 5000.00 | 35000.00 |
| 54 | 2030-01 | 5073.65 | 73.65 | 5000.00 | 30000.00 |
| 55 | 2030-02 | 5063.13 | 63.12 | 5000.00 | 25000.00 |
| 56 | 2030-03 | 5052.60 | 52.60 | 5000.00 | 20000.00 |
| 57 | 2030-04 | 5042.08 | 42.08 | 5000.00 | 15000.00 |
| 58 | 2030-05 | 5031.56 | 31.56 | 5000.00 | 10000.00 |
| 59 | 2030-06 | 5021.04 | 21.04 | 5000.00 | 5000.00 |
| 60 | 2030-07 | 5010.52 | 10.52 | 5000.00 | 0.00 |