常州贷款34万（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：34万
还款月数：5年
每月还款：5974.32元
利息总额：1.85万
本息合计：35.85万
| 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 | 5974.32 | 595.00 | 5379.32 | 334620.68 |
| 2 | 2025-08 | 5974.32 | 585.59 | 5388.74 | 329231.94 |
| 3 | 2025-09 | 5974.32 | 576.16 | 5398.17 | 323833.77 |
| 4 | 2025-10 | 5974.32 | 566.71 | 5407.62 | 318426.15 |
| 5 | 2025-11 | 5974.32 | 557.25 | 5417.08 | 313009.08 |
| 6 | 2025-12 | 5974.32 | 547.77 | 5426.56 | 307582.52 |
| 7 | 2026-01 | 5974.32 | 538.27 | 5436.05 | 302146.46 |
| 8 | 2026-02 | 5974.32 | 528.76 | 5445.57 | 296700.89 |
| 9 | 2026-03 | 5974.32 | 519.23 | 5455.10 | 291245.80 |
| 10 | 2026-04 | 5974.32 | 509.68 | 5464.64 | 285781.15 |
| 11 | 2026-05 | 5974.32 | 500.12 | 5474.21 | 280306.94 |
| 12 | 2026-06 | 5974.32 | 490.54 | 5483.79 | 274823.16 |
| 13 | 2026-07 | 5974.32 | 480.94 | 5493.38 | 269329.77 |
| 14 | 2026-08 | 5974.32 | 471.33 | 5503.00 | 263826.78 |
| 15 | 2026-09 | 5974.32 | 461.70 | 5512.63 | 258314.15 |
| 16 | 2026-10 | 5974.32 | 452.05 | 5522.27 | 252791.87 |
| 17 | 2026-11 | 5974.32 | 442.39 | 5531.94 | 247259.94 |
| 18 | 2026-12 | 5974.32 | 432.70 | 5541.62 | 241718.32 |
| 19 | 2027-01 | 5974.32 | 423.01 | 5551.32 | 236167.00 |
| 20 | 2027-02 | 5974.32 | 413.29 | 5561.03 | 230605.97 |
| 21 | 2027-03 | 5974.32 | 403.56 | 5570.76 | 225035.20 |
| 22 | 2027-04 | 5974.32 | 393.81 | 5580.51 | 219454.69 |
| 23 | 2027-05 | 5974.32 | 384.05 | 5590.28 | 213864.41 |
| 24 | 2027-06 | 5974.32 | 374.26 | 5600.06 | 208264.35 |
| 25 | 2027-07 | 5974.32 | 364.46 | 5609.86 | 202654.49 |
| 26 | 2027-08 | 5974.32 | 354.65 | 5619.68 | 197034.81 |
| 27 | 2027-09 | 5974.32 | 344.81 | 5629.51 | 191405.30 |
| 28 | 2027-10 | 5974.32 | 334.96 | 5639.37 | 185765.93 |
| 29 | 2027-11 | 5974.32 | 325.09 | 5649.23 | 180116.70 |
| 30 | 2027-12 | 5974.32 | 315.20 | 5659.12 | 174457.58 |
| 31 | 2028-01 | 5974.32 | 305.30 | 5669.02 | 168788.55 |
| 32 | 2028-02 | 5974.32 | 295.38 | 5678.94 | 163109.61 |
| 33 | 2028-03 | 5974.32 | 285.44 | 5688.88 | 157420.73 |
| 34 | 2028-04 | 5974.32 | 275.49 | 5698.84 | 151721.89 |
| 35 | 2028-05 | 5974.32 | 265.51 | 5708.81 | 146013.08 |
| 36 | 2028-06 | 5974.32 | 255.52 | 5718.80 | 140294.28 |
| 37 | 2028-07 | 5974.32 | 245.51 | 5728.81 | 134565.47 |
| 38 | 2028-08 | 5974.32 | 235.49 | 5738.83 | 128826.63 |
| 39 | 2028-09 | 5974.32 | 225.45 | 5748.88 | 123077.76 |
| 40 | 2028-10 | 5974.32 | 215.39 | 5758.94 | 117318.82 |
| 41 | 2028-11 | 5974.32 | 205.31 | 5769.02 | 111549.80 |
| 42 | 2028-12 | 5974.32 | 195.21 | 5779.11 | 105770.69 |
| 43 | 2029-01 | 5974.32 | 185.10 | 5789.23 | 99981.46 |
| 44 | 2029-02 | 5974.32 | 174.97 | 5799.36 | 94182.11 |
| 45 | 2029-03 | 5974.32 | 164.82 | 5809.51 | 88372.60 |
| 46 | 2029-04 | 5974.32 | 154.65 | 5819.67 | 82552.93 |
| 47 | 2029-05 | 5974.32 | 144.47 | 5829.86 | 76723.07 |
| 48 | 2029-06 | 5974.32 | 134.27 | 5840.06 | 70883.01 |
| 49 | 2029-07 | 5974.32 | 124.05 | 5850.28 | 65032.73 |
| 50 | 2029-08 | 5974.32 | 113.81 | 5860.52 | 59172.22 |
| 51 | 2029-09 | 5974.32 | 103.55 | 5870.77 | 53301.44 |
| 52 | 2029-10 | 5974.32 | 93.28 | 5881.05 | 47420.40 |
| 53 | 2029-11 | 5974.32 | 82.99 | 5891.34 | 41529.06 |
| 54 | 2029-12 | 5974.32 | 72.68 | 5901.65 | 35627.41 |
| 55 | 2030-01 | 5974.32 | 62.35 | 5911.98 | 29715.43 |
| 56 | 2030-02 | 5974.32 | 52.00 | 5922.32 | 23793.11 |
| 57 | 2030-03 | 5974.32 | 41.64 | 5932.69 | 17860.42 |
| 58 | 2030-04 | 5974.32 | 31.26 | 5943.07 | 11917.36 |
| 59 | 2030-05 | 5974.32 | 20.86 | 5953.47 | 5963.89 |
| 60 | 2030-06 | 5974.32 | 10.44 | 5963.89 | 0.00 |
等额本金还款方式：
贷款总额：34万
还款月数：5年
首月还款：6261.67元
每月递减：9.92元
利息总额：1.81万
本息合计：35.81万
节省利息：311.96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 | 6261.67 | 595.00 | 5666.67 | 334333.33 |
| 2 | 2025-08 | 6251.75 | 585.08 | 5666.67 | 328666.67 |
| 3 | 2025-09 | 6241.83 | 575.17 | 5666.67 | 323000.00 |
| 4 | 2025-10 | 6231.92 | 565.25 | 5666.67 | 317333.33 |
| 5 | 2025-11 | 6222.00 | 555.33 | 5666.67 | 311666.67 |
| 6 | 2025-12 | 6212.08 | 545.42 | 5666.67 | 306000.00 |
| 7 | 2026-01 | 6202.17 | 535.50 | 5666.67 | 300333.33 |
| 8 | 2026-02 | 6192.25 | 525.58 | 5666.67 | 294666.67 |
| 9 | 2026-03 | 6182.33 | 515.67 | 5666.67 | 289000.00 |
| 10 | 2026-04 | 6172.42 | 505.75 | 5666.67 | 283333.33 |
| 11 | 2026-05 | 6162.50 | 495.83 | 5666.67 | 277666.67 |
| 12 | 2026-06 | 6152.58 | 485.92 | 5666.67 | 272000.00 |
| 13 | 2026-07 | 6142.67 | 476.00 | 5666.67 | 266333.33 |
| 14 | 2026-08 | 6132.75 | 466.08 | 5666.67 | 260666.67 |
| 15 | 2026-09 | 6122.83 | 456.17 | 5666.67 | 255000.00 |
| 16 | 2026-10 | 6112.92 | 446.25 | 5666.67 | 249333.33 |
| 17 | 2026-11 | 6103.00 | 436.33 | 5666.67 | 243666.67 |
| 18 | 2026-12 | 6093.08 | 426.42 | 5666.67 | 238000.00 |
| 19 | 2027-01 | 6083.17 | 416.50 | 5666.67 | 232333.33 |
| 20 | 2027-02 | 6073.25 | 406.58 | 5666.67 | 226666.67 |
| 21 | 2027-03 | 6063.33 | 396.67 | 5666.67 | 221000.00 |
| 22 | 2027-04 | 6053.42 | 386.75 | 5666.67 | 215333.33 |
| 23 | 2027-05 | 6043.50 | 376.83 | 5666.67 | 209666.67 |
| 24 | 2027-06 | 6033.58 | 366.92 | 5666.67 | 204000.00 |
| 25 | 2027-07 | 6023.67 | 357.00 | 5666.67 | 198333.33 |
| 26 | 2027-08 | 6013.75 | 347.08 | 5666.67 | 192666.67 |
| 27 | 2027-09 | 6003.83 | 337.17 | 5666.67 | 187000.00 |
| 28 | 2027-10 | 5993.92 | 327.25 | 5666.67 | 181333.33 |
| 29 | 2027-11 | 5984.00 | 317.33 | 5666.67 | 175666.67 |
| 30 | 2027-12 | 5974.08 | 307.42 | 5666.67 | 170000.00 |
| 31 | 2028-01 | 5964.17 | 297.50 | 5666.67 | 164333.33 |
| 32 | 2028-02 | 5954.25 | 287.58 | 5666.67 | 158666.67 |
| 33 | 2028-03 | 5944.33 | 277.67 | 5666.67 | 153000.00 |
| 34 | 2028-04 | 5934.42 | 267.75 | 5666.67 | 147333.33 |
| 35 | 2028-05 | 5924.50 | 257.83 | 5666.67 | 141666.67 |
| 36 | 2028-06 | 5914.58 | 247.92 | 5666.67 | 136000.00 |
| 37 | 2028-07 | 5904.67 | 238.00 | 5666.67 | 130333.33 |
| 38 | 2028-08 | 5894.75 | 228.08 | 5666.67 | 124666.67 |
| 39 | 2028-09 | 5884.83 | 218.17 | 5666.67 | 119000.00 |
| 40 | 2028-10 | 5874.92 | 208.25 | 5666.67 | 113333.33 |
| 41 | 2028-11 | 5865.00 | 198.33 | 5666.67 | 107666.67 |
| 42 | 2028-12 | 5855.08 | 188.42 | 5666.67 | 102000.00 |
| 43 | 2029-01 | 5845.17 | 178.50 | 5666.67 | 96333.33 |
| 44 | 2029-02 | 5835.25 | 168.58 | 5666.67 | 90666.67 |
| 45 | 2029-03 | 5825.33 | 158.67 | 5666.67 | 85000.00 |
| 46 | 2029-04 | 5815.42 | 148.75 | 5666.67 | 79333.33 |
| 47 | 2029-05 | 5805.50 | 138.83 | 5666.67 | 73666.67 |
| 48 | 2029-06 | 5795.58 | 128.92 | 5666.67 | 68000.00 |
| 49 | 2029-07 | 5785.67 | 119.00 | 5666.67 | 62333.33 |
| 50 | 2029-08 | 5775.75 | 109.08 | 5666.67 | 56666.67 |
| 51 | 2029-09 | 5765.83 | 99.17 | 5666.67 | 51000.00 |
| 52 | 2029-10 | 5755.92 | 89.25 | 5666.67 | 45333.33 |
| 53 | 2029-11 | 5746.00 | 79.33 | 5666.67 | 39666.67 |
| 54 | 2029-12 | 5736.08 | 69.42 | 5666.67 | 34000.00 |
| 55 | 2030-01 | 5726.17 | 59.50 | 5666.67 | 28333.33 |
| 56 | 2030-02 | 5716.25 | 49.58 | 5666.67 | 22666.67 |
| 57 | 2030-03 | 5706.33 | 39.67 | 5666.67 | 17000.00 |
| 58 | 2030-04 | 5696.42 | 29.75 | 5666.67 | 11333.33 |
| 59 | 2030-05 | 5686.50 | 19.83 | 5666.67 | 5666.67 |
| 60 | 2030-06 | 5676.58 | 9.92 | 5666.67 | 0.00 |