贷款3万（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：3万
还款月数：5年
每月还款：542.4元
利息总额：2544元
本息合计：3.25万
| 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 | 542.40 | 81.25 | 461.15 | 29538.85 |
| 2 | 2025-08 | 542.40 | 80.00 | 462.40 | 29076.45 |
| 3 | 2025-09 | 542.40 | 78.75 | 463.65 | 28612.80 |
| 4 | 2025-10 | 542.40 | 77.49 | 464.91 | 28147.89 |
| 5 | 2025-11 | 542.40 | 76.23 | 466.17 | 27681.73 |
| 6 | 2025-12 | 542.40 | 74.97 | 467.43 | 27214.30 |
| 7 | 2026-01 | 542.40 | 73.71 | 468.69 | 26745.60 |
| 8 | 2026-02 | 542.40 | 72.44 | 469.96 | 26275.64 |
| 9 | 2026-03 | 542.40 | 71.16 | 471.24 | 25804.40 |
| 10 | 2026-04 | 542.40 | 69.89 | 472.51 | 25331.89 |
| 11 | 2026-05 | 542.40 | 68.61 | 473.79 | 24858.10 |
| 12 | 2026-06 | 542.40 | 67.32 | 475.08 | 24383.02 |
| 13 | 2026-07 | 542.40 | 66.04 | 476.36 | 23906.66 |
| 14 | 2026-08 | 542.40 | 64.75 | 477.65 | 23429.00 |
| 15 | 2026-09 | 542.40 | 63.45 | 478.95 | 22950.06 |
| 16 | 2026-10 | 542.40 | 62.16 | 480.24 | 22469.81 |
| 17 | 2026-11 | 542.40 | 60.86 | 481.54 | 21988.27 |
| 18 | 2026-12 | 542.40 | 59.55 | 482.85 | 21505.42 |
| 19 | 2027-01 | 542.40 | 58.24 | 484.16 | 21021.27 |
| 20 | 2027-02 | 542.40 | 56.93 | 485.47 | 20535.80 |
| 21 | 2027-03 | 542.40 | 55.62 | 486.78 | 20049.02 |
| 22 | 2027-04 | 542.40 | 54.30 | 488.10 | 19560.91 |
| 23 | 2027-05 | 542.40 | 52.98 | 489.42 | 19071.49 |
| 24 | 2027-06 | 542.40 | 51.65 | 490.75 | 18580.74 |
| 25 | 2027-07 | 542.40 | 50.32 | 492.08 | 18088.67 |
| 26 | 2027-08 | 542.40 | 48.99 | 493.41 | 17595.26 |
| 27 | 2027-09 | 542.40 | 47.65 | 494.75 | 17100.51 |
| 28 | 2027-10 | 542.40 | 46.31 | 496.09 | 16604.42 |
| 29 | 2027-11 | 542.40 | 44.97 | 497.43 | 16106.99 |
| 30 | 2027-12 | 542.40 | 43.62 | 498.78 | 15608.22 |
| 31 | 2028-01 | 542.40 | 42.27 | 500.13 | 15108.09 |
| 32 | 2028-02 | 542.40 | 40.92 | 501.48 | 14606.61 |
| 33 | 2028-03 | 542.40 | 39.56 | 502.84 | 14103.77 |
| 34 | 2028-04 | 542.40 | 38.20 | 504.20 | 13599.56 |
| 35 | 2028-05 | 542.40 | 36.83 | 505.57 | 13094.00 |
| 36 | 2028-06 | 542.40 | 35.46 | 506.94 | 12587.06 |
| 37 | 2028-07 | 542.40 | 34.09 | 508.31 | 12078.75 |
| 38 | 2028-08 | 542.40 | 32.71 | 509.69 | 11569.06 |
| 39 | 2028-09 | 542.40 | 31.33 | 511.07 | 11058.00 |
| 40 | 2028-10 | 542.40 | 29.95 | 512.45 | 10545.54 |
| 41 | 2028-11 | 542.40 | 28.56 | 513.84 | 10031.70 |
| 42 | 2028-12 | 542.40 | 27.17 | 515.23 | 9516.47 |
| 43 | 2029-01 | 542.40 | 25.77 | 516.63 | 8999.85 |
| 44 | 2029-02 | 542.40 | 24.37 | 518.03 | 8481.82 |
| 45 | 2029-03 | 542.40 | 22.97 | 519.43 | 7962.39 |
| 46 | 2029-04 | 542.40 | 21.56 | 520.84 | 7441.56 |
| 47 | 2029-05 | 542.40 | 20.15 | 522.25 | 6919.31 |
| 48 | 2029-06 | 542.40 | 18.74 | 523.66 | 6395.65 |
| 49 | 2029-07 | 542.40 | 17.32 | 525.08 | 5870.57 |
| 50 | 2029-08 | 542.40 | 15.90 | 526.50 | 5344.07 |
| 51 | 2029-09 | 542.40 | 14.47 | 527.93 | 4816.15 |
| 52 | 2029-10 | 542.40 | 13.04 | 529.36 | 4286.79 |
| 53 | 2029-11 | 542.40 | 11.61 | 530.79 | 3756.00 |
| 54 | 2029-12 | 542.40 | 10.17 | 532.23 | 3223.77 |
| 55 | 2030-01 | 542.40 | 8.73 | 533.67 | 2690.10 |
| 56 | 2030-02 | 542.40 | 7.29 | 535.11 | 2154.99 |
| 57 | 2030-03 | 542.40 | 5.84 | 536.56 | 1618.43 |
| 58 | 2030-04 | 542.40 | 4.38 | 538.02 | 1080.41 |
| 59 | 2030-05 | 542.40 | 2.93 | 539.47 | 540.94 |
| 60 | 2030-06 | 542.40 | 1.47 | 540.94 | 0.00 |
等额本金还款方式：
贷款总额：3万
还款月数：5年
首月还款：581.25元
每月递减：1.35元
利息总额：2478.13元
本息合计：3.25万
节省利息：65.88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 | 581.25 | 81.25 | 500.00 | 29500.00 |
| 2 | 2025-08 | 579.90 | 79.90 | 500.00 | 29000.00 |
| 3 | 2025-09 | 578.54 | 78.54 | 500.00 | 28500.00 |
| 4 | 2025-10 | 577.19 | 77.19 | 500.00 | 28000.00 |
| 5 | 2025-11 | 575.83 | 75.83 | 500.00 | 27500.00 |
| 6 | 2025-12 | 574.48 | 74.48 | 500.00 | 27000.00 |
| 7 | 2026-01 | 573.13 | 73.13 | 500.00 | 26500.00 |
| 8 | 2026-02 | 571.77 | 71.77 | 500.00 | 26000.00 |
| 9 | 2026-03 | 570.42 | 70.42 | 500.00 | 25500.00 |
| 10 | 2026-04 | 569.06 | 69.06 | 500.00 | 25000.00 |
| 11 | 2026-05 | 567.71 | 67.71 | 500.00 | 24500.00 |
| 12 | 2026-06 | 566.35 | 66.35 | 500.00 | 24000.00 |
| 13 | 2026-07 | 565.00 | 65.00 | 500.00 | 23500.00 |
| 14 | 2026-08 | 563.65 | 63.65 | 500.00 | 23000.00 |
| 15 | 2026-09 | 562.29 | 62.29 | 500.00 | 22500.00 |
| 16 | 2026-10 | 560.94 | 60.94 | 500.00 | 22000.00 |
| 17 | 2026-11 | 559.58 | 59.58 | 500.00 | 21500.00 |
| 18 | 2026-12 | 558.23 | 58.23 | 500.00 | 21000.00 |
| 19 | 2027-01 | 556.88 | 56.88 | 500.00 | 20500.00 |
| 20 | 2027-02 | 555.52 | 55.52 | 500.00 | 20000.00 |
| 21 | 2027-03 | 554.17 | 54.17 | 500.00 | 19500.00 |
| 22 | 2027-04 | 552.81 | 52.81 | 500.00 | 19000.00 |
| 23 | 2027-05 | 551.46 | 51.46 | 500.00 | 18500.00 |
| 24 | 2027-06 | 550.10 | 50.10 | 500.00 | 18000.00 |
| 25 | 2027-07 | 548.75 | 48.75 | 500.00 | 17500.00 |
| 26 | 2027-08 | 547.40 | 47.40 | 500.00 | 17000.00 |
| 27 | 2027-09 | 546.04 | 46.04 | 500.00 | 16500.00 |
| 28 | 2027-10 | 544.69 | 44.69 | 500.00 | 16000.00 |
| 29 | 2027-11 | 543.33 | 43.33 | 500.00 | 15500.00 |
| 30 | 2027-12 | 541.98 | 41.98 | 500.00 | 15000.00 |
| 31 | 2028-01 | 540.63 | 40.63 | 500.00 | 14500.00 |
| 32 | 2028-02 | 539.27 | 39.27 | 500.00 | 14000.00 |
| 33 | 2028-03 | 537.92 | 37.92 | 500.00 | 13500.00 |
| 34 | 2028-04 | 536.56 | 36.56 | 500.00 | 13000.00 |
| 35 | 2028-05 | 535.21 | 35.21 | 500.00 | 12500.00 |
| 36 | 2028-06 | 533.85 | 33.85 | 500.00 | 12000.00 |
| 37 | 2028-07 | 532.50 | 32.50 | 500.00 | 11500.00 |
| 38 | 2028-08 | 531.15 | 31.15 | 500.00 | 11000.00 |
| 39 | 2028-09 | 529.79 | 29.79 | 500.00 | 10500.00 |
| 40 | 2028-10 | 528.44 | 28.44 | 500.00 | 10000.00 |
| 41 | 2028-11 | 527.08 | 27.08 | 500.00 | 9500.00 |
| 42 | 2028-12 | 525.73 | 25.73 | 500.00 | 9000.00 |
| 43 | 2029-01 | 524.38 | 24.38 | 500.00 | 8500.00 |
| 44 | 2029-02 | 523.02 | 23.02 | 500.00 | 8000.00 |
| 45 | 2029-03 | 521.67 | 21.67 | 500.00 | 7500.00 |
| 46 | 2029-04 | 520.31 | 20.31 | 500.00 | 7000.00 |
| 47 | 2029-05 | 518.96 | 18.96 | 500.00 | 6500.00 |
| 48 | 2029-06 | 517.60 | 17.60 | 500.00 | 6000.00 |
| 49 | 2029-07 | 516.25 | 16.25 | 500.00 | 5500.00 |
| 50 | 2029-08 | 514.90 | 14.90 | 500.00 | 5000.00 |
| 51 | 2029-09 | 513.54 | 13.54 | 500.00 | 4500.00 |
| 52 | 2029-10 | 512.19 | 12.19 | 500.00 | 4000.00 |
| 53 | 2029-11 | 510.83 | 10.83 | 500.00 | 3500.00 |
| 54 | 2029-12 | 509.48 | 9.48 | 500.00 | 3000.00 |
| 55 | 2030-01 | 508.13 | 8.13 | 500.00 | 2500.00 |
| 56 | 2030-02 | 506.77 | 6.77 | 500.00 | 2000.00 |
| 57 | 2030-03 | 505.42 | 5.42 | 500.00 | 1500.00 |
| 58 | 2030-04 | 504.06 | 4.06 | 500.00 | 1000.00 |
| 59 | 2030-05 | 502.71 | 2.71 | 500.00 | 500.00 |
| 60 | 2030-06 | 501.35 | 1.35 | 500.00 | 0.00 |