贷款23.15万（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：23.15万
还款月数：5年
每月还款：4118.73元
利息总额：1.56万
本息合计：24.71万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 4118.73 | 501.58 | 3617.15 | 227882.85 |
| 2 | 2026-02 | 4118.73 | 493.75 | 3624.98 | 224257.87 |
| 3 | 2026-03 | 4118.73 | 485.89 | 3632.84 | 220625.03 |
| 4 | 2026-04 | 4118.73 | 478.02 | 3640.71 | 216984.32 |
| 5 | 2026-05 | 4118.73 | 470.13 | 3648.60 | 213335.73 |
| 6 | 2026-06 | 4118.73 | 462.23 | 3656.50 | 209679.22 |
| 7 | 2026-07 | 4118.73 | 454.30 | 3664.42 | 206014.80 |
| 8 | 2026-08 | 4118.73 | 446.37 | 3672.36 | 202342.43 |
| 9 | 2026-09 | 4118.73 | 438.41 | 3680.32 | 198662.11 |
| 10 | 2026-10 | 4118.73 | 430.43 | 3688.30 | 194973.82 |
| 11 | 2026-11 | 4118.73 | 422.44 | 3696.29 | 191277.53 |
| 12 | 2026-12 | 4118.73 | 414.43 | 3704.30 | 187573.24 |
| 13 | 2027-01 | 4118.73 | 406.41 | 3712.32 | 183860.92 |
| 14 | 2027-02 | 4118.73 | 398.37 | 3720.36 | 180140.55 |
| 15 | 2027-03 | 4118.73 | 390.30 | 3728.43 | 176412.13 |
| 16 | 2027-04 | 4118.73 | 382.23 | 3736.50 | 172675.62 |
| 17 | 2027-05 | 4118.73 | 374.13 | 3744.60 | 168931.02 |
| 18 | 2027-06 | 4118.73 | 366.02 | 3752.71 | 165178.31 |
| 19 | 2027-07 | 4118.73 | 357.89 | 3760.84 | 161417.47 |
| 20 | 2027-08 | 4118.73 | 349.74 | 3768.99 | 157648.48 |
| 21 | 2027-09 | 4118.73 | 341.57 | 3777.16 | 153871.32 |
| 22 | 2027-10 | 4118.73 | 333.39 | 3785.34 | 150085.98 |
| 23 | 2027-11 | 4118.73 | 325.19 | 3793.54 | 146292.43 |
| 24 | 2027-12 | 4118.73 | 316.97 | 3801.76 | 142490.67 |
| 25 | 2028-01 | 4118.73 | 308.73 | 3810.00 | 138680.67 |
| 26 | 2028-02 | 4118.73 | 300.47 | 3818.25 | 134862.41 |
| 27 | 2028-03 | 4118.73 | 292.20 | 3826.53 | 131035.89 |
| 28 | 2028-04 | 4118.73 | 283.91 | 3834.82 | 127201.07 |
| 29 | 2028-05 | 4118.73 | 275.60 | 3843.13 | 123357.94 |
| 30 | 2028-06 | 4118.73 | 267.28 | 3851.45 | 119506.49 |
| 31 | 2028-07 | 4118.73 | 258.93 | 3859.80 | 115646.69 |
| 32 | 2028-08 | 4118.73 | 250.57 | 3868.16 | 111778.52 |
| 33 | 2028-09 | 4118.73 | 242.19 | 3876.54 | 107901.98 |
| 34 | 2028-10 | 4118.73 | 233.79 | 3884.94 | 104017.04 |
| 35 | 2028-11 | 4118.73 | 225.37 | 3893.36 | 100123.68 |
| 36 | 2028-12 | 4118.73 | 216.93 | 3901.80 | 96221.89 |
| 37 | 2029-01 | 4118.73 | 208.48 | 3910.25 | 92311.64 |
| 38 | 2029-02 | 4118.73 | 200.01 | 3918.72 | 88392.91 |
| 39 | 2029-03 | 4118.73 | 191.52 | 3927.21 | 84465.70 |
| 40 | 2029-04 | 4118.73 | 183.01 | 3935.72 | 80529.98 |
| 41 | 2029-05 | 4118.73 | 174.48 | 3944.25 | 76585.73 |
| 42 | 2029-06 | 4118.73 | 165.94 | 3952.79 | 72632.94 |
| 43 | 2029-07 | 4118.73 | 157.37 | 3961.36 | 68671.58 |
| 44 | 2029-08 | 4118.73 | 148.79 | 3969.94 | 64701.64 |
| 45 | 2029-09 | 4118.73 | 140.19 | 3978.54 | 60723.10 |
| 46 | 2029-10 | 4118.73 | 131.57 | 3987.16 | 56735.93 |
| 47 | 2029-11 | 4118.73 | 122.93 | 3995.80 | 52740.13 |
| 48 | 2029-12 | 4118.73 | 114.27 | 4004.46 | 48735.67 |
| 49 | 2030-01 | 4118.73 | 105.59 | 4013.14 | 44722.54 |
| 50 | 2030-02 | 4118.73 | 96.90 | 4021.83 | 40700.71 |
| 51 | 2030-03 | 4118.73 | 88.18 | 4030.54 | 36670.16 |
| 52 | 2030-04 | 4118.73 | 79.45 | 4039.28 | 32630.88 |
| 53 | 2030-05 | 4118.73 | 70.70 | 4048.03 | 28582.85 |
| 54 | 2030-06 | 4118.73 | 61.93 | 4056.80 | 24526.05 |
| 55 | 2030-07 | 4118.73 | 53.14 | 4065.59 | 20460.46 |
| 56 | 2030-08 | 4118.73 | 44.33 | 4074.40 | 16386.07 |
| 57 | 2030-09 | 4118.73 | 35.50 | 4083.23 | 12302.84 |
| 58 | 2030-10 | 4118.73 | 26.66 | 4092.07 | 8210.76 |
| 59 | 2030-11 | 4118.73 | 17.79 | 4100.94 | 4109.83 |
| 60 | 2030-12 | 4118.73 | 8.90 | 4109.83 | 0.00 |
等额本金还款方式：
贷款总额：23.15万
还款月数：5年
首月还款：4359.92元
每月递减：8.36元
利息总额：1.53万
本息合计：24.68万
节省利息：325.49元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 4359.92 | 501.58 | 3858.33 | 227641.67 |
| 2 | 2026-02 | 4351.56 | 493.22 | 3858.33 | 223783.33 |
| 3 | 2026-03 | 4343.20 | 484.86 | 3858.33 | 219925.00 |
| 4 | 2026-04 | 4334.84 | 476.50 | 3858.33 | 216066.67 |
| 5 | 2026-05 | 4326.48 | 468.14 | 3858.33 | 212208.33 |
| 6 | 2026-06 | 4318.12 | 459.78 | 3858.33 | 208350.00 |
| 7 | 2026-07 | 4309.76 | 451.43 | 3858.33 | 204491.67 |
| 8 | 2026-08 | 4301.40 | 443.07 | 3858.33 | 200633.33 |
| 9 | 2026-09 | 4293.04 | 434.71 | 3858.33 | 196775.00 |
| 10 | 2026-10 | 4284.68 | 426.35 | 3858.33 | 192916.67 |
| 11 | 2026-11 | 4276.32 | 417.99 | 3858.33 | 189058.33 |
| 12 | 2026-12 | 4267.96 | 409.63 | 3858.33 | 185200.00 |
| 13 | 2027-01 | 4259.60 | 401.27 | 3858.33 | 181341.67 |
| 14 | 2027-02 | 4251.24 | 392.91 | 3858.33 | 177483.33 |
| 15 | 2027-03 | 4242.88 | 384.55 | 3858.33 | 173625.00 |
| 16 | 2027-04 | 4234.52 | 376.19 | 3858.33 | 169766.67 |
| 17 | 2027-05 | 4226.16 | 367.83 | 3858.33 | 165908.33 |
| 18 | 2027-06 | 4217.80 | 359.47 | 3858.33 | 162050.00 |
| 19 | 2027-07 | 4209.44 | 351.11 | 3858.33 | 158191.67 |
| 20 | 2027-08 | 4201.08 | 342.75 | 3858.33 | 154333.33 |
| 21 | 2027-09 | 4192.72 | 334.39 | 3858.33 | 150475.00 |
| 22 | 2027-10 | 4184.36 | 326.03 | 3858.33 | 146616.67 |
| 23 | 2027-11 | 4176.00 | 317.67 | 3858.33 | 142758.33 |
| 24 | 2027-12 | 4167.64 | 309.31 | 3858.33 | 138900.00 |
| 25 | 2028-01 | 4159.28 | 300.95 | 3858.33 | 135041.67 |
| 26 | 2028-02 | 4150.92 | 292.59 | 3858.33 | 131183.33 |
| 27 | 2028-03 | 4142.56 | 284.23 | 3858.33 | 127325.00 |
| 28 | 2028-04 | 4134.20 | 275.87 | 3858.33 | 123466.67 |
| 29 | 2028-05 | 4125.84 | 267.51 | 3858.33 | 119608.33 |
| 30 | 2028-06 | 4117.48 | 259.15 | 3858.33 | 115750.00 |
| 31 | 2028-07 | 4109.13 | 250.79 | 3858.33 | 111891.67 |
| 32 | 2028-08 | 4100.77 | 242.43 | 3858.33 | 108033.33 |
| 33 | 2028-09 | 4092.41 | 234.07 | 3858.33 | 104175.00 |
| 34 | 2028-10 | 4084.05 | 225.71 | 3858.33 | 100316.67 |
| 35 | 2028-11 | 4075.69 | 217.35 | 3858.33 | 96458.33 |
| 36 | 2028-12 | 4067.33 | 208.99 | 3858.33 | 92600.00 |
| 37 | 2029-01 | 4058.97 | 200.63 | 3858.33 | 88741.67 |
| 38 | 2029-02 | 4050.61 | 192.27 | 3858.33 | 84883.33 |
| 39 | 2029-03 | 4042.25 | 183.91 | 3858.33 | 81025.00 |
| 40 | 2029-04 | 4033.89 | 175.55 | 3858.33 | 77166.67 |
| 41 | 2029-05 | 4025.53 | 167.19 | 3858.33 | 73308.33 |
| 42 | 2029-06 | 4017.17 | 158.83 | 3858.33 | 69450.00 |
| 43 | 2029-07 | 4008.81 | 150.48 | 3858.33 | 65591.67 |
| 44 | 2029-08 | 4000.45 | 142.12 | 3858.33 | 61733.33 |
| 45 | 2029-09 | 3992.09 | 133.76 | 3858.33 | 57875.00 |
| 46 | 2029-10 | 3983.73 | 125.40 | 3858.33 | 54016.67 |
| 47 | 2029-11 | 3975.37 | 117.04 | 3858.33 | 50158.33 |
| 48 | 2029-12 | 3967.01 | 108.68 | 3858.33 | 46300.00 |
| 49 | 2030-01 | 3958.65 | 100.32 | 3858.33 | 42441.67 |
| 50 | 2030-02 | 3950.29 | 91.96 | 3858.33 | 38583.33 |
| 51 | 2030-03 | 3941.93 | 83.60 | 3858.33 | 34725.00 |
| 52 | 2030-04 | 3933.57 | 75.24 | 3858.33 | 30866.67 |
| 53 | 2030-05 | 3925.21 | 66.88 | 3858.33 | 27008.33 |
| 54 | 2030-06 | 3916.85 | 58.52 | 3858.33 | 23150.00 |
| 55 | 2030-07 | 3908.49 | 50.16 | 3858.33 | 19291.67 |
| 56 | 2030-08 | 3900.13 | 41.80 | 3858.33 | 15433.33 |
| 57 | 2030-09 | 3891.77 | 33.44 | 3858.33 | 11575.00 |
| 58 | 2030-10 | 3883.41 | 25.08 | 3858.33 | 7716.67 |
| 59 | 2030-11 | 3875.05 | 16.72 | 3858.33 | 3858.33 |
| 60 | 2030-12 | 3866.69 | 8.36 | 3858.33 | 0.00 |