贷款2.13万（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：2.13万
还款月数：5年
每月还款：380.42元
利息总额：1575.19元
本息合计：2.28万
| 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 | 380.42 | 50.47 | 329.95 | 20920.05 |
| 2 | 2025-09 | 380.42 | 49.69 | 330.73 | 20589.31 |
| 3 | 2025-10 | 380.42 | 48.90 | 331.52 | 20257.79 |
| 4 | 2025-11 | 380.42 | 48.11 | 332.31 | 19925.49 |
| 5 | 2025-12 | 380.42 | 47.32 | 333.10 | 19592.39 |
| 6 | 2026-01 | 380.42 | 46.53 | 333.89 | 19258.50 |
| 7 | 2026-02 | 380.42 | 45.74 | 334.68 | 18923.82 |
| 8 | 2026-03 | 380.42 | 44.94 | 335.48 | 18588.34 |
| 9 | 2026-04 | 380.42 | 44.15 | 336.27 | 18252.07 |
| 10 | 2026-05 | 380.42 | 43.35 | 337.07 | 17915.00 |
| 11 | 2026-06 | 380.42 | 42.55 | 337.87 | 17577.13 |
| 12 | 2026-07 | 380.42 | 41.75 | 338.67 | 17238.46 |
| 13 | 2026-08 | 380.42 | 40.94 | 339.48 | 16898.98 |
| 14 | 2026-09 | 380.42 | 40.14 | 340.28 | 16558.69 |
| 15 | 2026-10 | 380.42 | 39.33 | 341.09 | 16217.60 |
| 16 | 2026-11 | 380.42 | 38.52 | 341.90 | 15875.70 |
| 17 | 2026-12 | 380.42 | 37.70 | 342.72 | 15532.98 |
| 18 | 2027-01 | 380.42 | 36.89 | 343.53 | 15189.45 |
| 19 | 2027-02 | 380.42 | 36.07 | 344.34 | 14845.11 |
| 20 | 2027-03 | 380.42 | 35.26 | 345.16 | 14499.94 |
| 21 | 2027-04 | 380.42 | 34.44 | 345.98 | 14153.96 |
| 22 | 2027-05 | 380.42 | 33.62 | 346.80 | 13807.16 |
| 23 | 2027-06 | 380.42 | 32.79 | 347.63 | 13459.53 |
| 24 | 2027-07 | 380.42 | 31.97 | 348.45 | 13111.08 |
| 25 | 2027-08 | 380.42 | 31.14 | 349.28 | 12761.80 |
| 26 | 2027-09 | 380.42 | 30.31 | 350.11 | 12411.68 |
| 27 | 2027-10 | 380.42 | 29.48 | 350.94 | 12060.74 |
| 28 | 2027-11 | 380.42 | 28.64 | 351.78 | 11708.97 |
| 29 | 2027-12 | 380.42 | 27.81 | 352.61 | 11356.36 |
| 30 | 2028-01 | 380.42 | 26.97 | 353.45 | 11002.91 |
| 31 | 2028-02 | 380.42 | 26.13 | 354.29 | 10648.62 |
| 32 | 2028-03 | 380.42 | 25.29 | 355.13 | 10293.49 |
| 33 | 2028-04 | 380.42 | 24.45 | 355.97 | 9937.52 |
| 34 | 2028-05 | 380.42 | 23.60 | 356.82 | 9580.70 |
| 35 | 2028-06 | 380.42 | 22.75 | 357.67 | 9223.03 |
| 36 | 2028-07 | 380.42 | 21.90 | 358.52 | 8864.52 |
| 37 | 2028-08 | 380.42 | 21.05 | 359.37 | 8505.15 |
| 38 | 2028-09 | 380.42 | 20.20 | 360.22 | 8144.93 |
| 39 | 2028-10 | 380.42 | 19.34 | 361.08 | 7783.86 |
| 40 | 2028-11 | 380.42 | 18.49 | 361.93 | 7421.92 |
| 41 | 2028-12 | 380.42 | 17.63 | 362.79 | 7059.13 |
| 42 | 2029-01 | 380.42 | 16.77 | 363.65 | 6695.48 |
| 43 | 2029-02 | 380.42 | 15.90 | 364.52 | 6330.96 |
| 44 | 2029-03 | 380.42 | 15.04 | 365.38 | 5965.57 |
| 45 | 2029-04 | 380.42 | 14.17 | 366.25 | 5599.32 |
| 46 | 2029-05 | 380.42 | 13.30 | 367.12 | 5232.20 |
| 47 | 2029-06 | 380.42 | 12.43 | 367.99 | 4864.21 |
| 48 | 2029-07 | 380.42 | 11.55 | 368.87 | 4495.34 |
| 49 | 2029-08 | 380.42 | 10.68 | 369.74 | 4125.60 |
| 50 | 2029-09 | 380.42 | 9.80 | 370.62 | 3754.97 |
| 51 | 2029-10 | 380.42 | 8.92 | 371.50 | 3383.47 |
| 52 | 2029-11 | 380.42 | 8.04 | 372.38 | 3011.09 |
| 53 | 2029-12 | 380.42 | 7.15 | 373.27 | 2637.82 |
| 54 | 2030-01 | 380.42 | 6.26 | 374.16 | 2263.67 |
| 55 | 2030-02 | 380.42 | 5.38 | 375.04 | 1888.62 |
| 56 | 2030-03 | 380.42 | 4.49 | 375.93 | 1512.69 |
| 57 | 2030-04 | 380.42 | 3.59 | 376.83 | 1135.86 |
| 58 | 2030-05 | 380.42 | 2.70 | 377.72 | 758.14 |
| 59 | 2030-06 | 380.42 | 1.80 | 378.62 | 379.52 |
| 60 | 2030-07 | 380.42 | 0.90 | 379.52 | 0.00 |
等额本金还款方式：
贷款总额：2.13万
还款月数：5年
首月还款：404.64元
每月递减：0.84元
利息总额：1539.3元
本息合计：2.28万
节省利息：35.89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 | 404.64 | 50.47 | 354.17 | 20895.83 |
| 2 | 2025-09 | 403.79 | 49.63 | 354.17 | 20541.67 |
| 3 | 2025-10 | 402.95 | 48.79 | 354.17 | 20187.50 |
| 4 | 2025-11 | 402.11 | 47.95 | 354.17 | 19833.33 |
| 5 | 2025-12 | 401.27 | 47.10 | 354.17 | 19479.17 |
| 6 | 2026-01 | 400.43 | 46.26 | 354.17 | 19125.00 |
| 7 | 2026-02 | 399.59 | 45.42 | 354.17 | 18770.83 |
| 8 | 2026-03 | 398.75 | 44.58 | 354.17 | 18416.67 |
| 9 | 2026-04 | 397.91 | 43.74 | 354.17 | 18062.50 |
| 10 | 2026-05 | 397.07 | 42.90 | 354.17 | 17708.33 |
| 11 | 2026-06 | 396.22 | 42.06 | 354.17 | 17354.17 |
| 12 | 2026-07 | 395.38 | 41.22 | 354.17 | 17000.00 |
| 13 | 2026-08 | 394.54 | 40.38 | 354.17 | 16645.83 |
| 14 | 2026-09 | 393.70 | 39.53 | 354.17 | 16291.67 |
| 15 | 2026-10 | 392.86 | 38.69 | 354.17 | 15937.50 |
| 16 | 2026-11 | 392.02 | 37.85 | 354.17 | 15583.33 |
| 17 | 2026-12 | 391.18 | 37.01 | 354.17 | 15229.17 |
| 18 | 2027-01 | 390.34 | 36.17 | 354.17 | 14875.00 |
| 19 | 2027-02 | 389.49 | 35.33 | 354.17 | 14520.83 |
| 20 | 2027-03 | 388.65 | 34.49 | 354.17 | 14166.67 |
| 21 | 2027-04 | 387.81 | 33.65 | 354.17 | 13812.50 |
| 22 | 2027-05 | 386.97 | 32.80 | 354.17 | 13458.33 |
| 23 | 2027-06 | 386.13 | 31.96 | 354.17 | 13104.17 |
| 24 | 2027-07 | 385.29 | 31.12 | 354.17 | 12750.00 |
| 25 | 2027-08 | 384.45 | 30.28 | 354.17 | 12395.83 |
| 26 | 2027-09 | 383.61 | 29.44 | 354.17 | 12041.67 |
| 27 | 2027-10 | 382.77 | 28.60 | 354.17 | 11687.50 |
| 28 | 2027-11 | 381.92 | 27.76 | 354.17 | 11333.33 |
| 29 | 2027-12 | 381.08 | 26.92 | 354.17 | 10979.17 |
| 30 | 2028-01 | 380.24 | 26.08 | 354.17 | 10625.00 |
| 31 | 2028-02 | 379.40 | 25.23 | 354.17 | 10270.83 |
| 32 | 2028-03 | 378.56 | 24.39 | 354.17 | 9916.67 |
| 33 | 2028-04 | 377.72 | 23.55 | 354.17 | 9562.50 |
| 34 | 2028-05 | 376.88 | 22.71 | 354.17 | 9208.33 |
| 35 | 2028-06 | 376.04 | 21.87 | 354.17 | 8854.17 |
| 36 | 2028-07 | 375.20 | 21.03 | 354.17 | 8500.00 |
| 37 | 2028-08 | 374.35 | 20.19 | 354.17 | 8145.83 |
| 38 | 2028-09 | 373.51 | 19.35 | 354.17 | 7791.67 |
| 39 | 2028-10 | 372.67 | 18.51 | 354.17 | 7437.50 |
| 40 | 2028-11 | 371.83 | 17.66 | 354.17 | 7083.33 |
| 41 | 2028-12 | 370.99 | 16.82 | 354.17 | 6729.17 |
| 42 | 2029-01 | 370.15 | 15.98 | 354.17 | 6375.00 |
| 43 | 2029-02 | 369.31 | 15.14 | 354.17 | 6020.83 |
| 44 | 2029-03 | 368.47 | 14.30 | 354.17 | 5666.67 |
| 45 | 2029-04 | 367.63 | 13.46 | 354.17 | 5312.50 |
| 46 | 2029-05 | 366.78 | 12.62 | 354.17 | 4958.33 |
| 47 | 2029-06 | 365.94 | 11.78 | 354.17 | 4604.17 |
| 48 | 2029-07 | 365.10 | 10.93 | 354.17 | 4250.00 |
| 49 | 2029-08 | 364.26 | 10.09 | 354.17 | 3895.83 |
| 50 | 2029-09 | 363.42 | 9.25 | 354.17 | 3541.67 |
| 51 | 2029-10 | 362.58 | 8.41 | 354.17 | 3187.50 |
| 52 | 2029-11 | 361.74 | 7.57 | 354.17 | 2833.33 |
| 53 | 2029-12 | 360.90 | 6.73 | 354.17 | 2479.17 |
| 54 | 2030-01 | 360.05 | 5.89 | 354.17 | 2125.00 |
| 55 | 2030-02 | 359.21 | 5.05 | 354.17 | 1770.83 |
| 56 | 2030-03 | 358.37 | 4.21 | 354.17 | 1416.67 |
| 57 | 2030-04 | 357.53 | 3.36 | 354.17 | 1062.50 |
| 58 | 2030-05 | 356.69 | 2.52 | 354.17 | 708.33 |
| 59 | 2030-06 | 355.85 | 1.68 | 354.17 | 354.17 |
| 60 | 2030-07 | 355.01 | 0.84 | 354.17 | 0.00 |