贷款21.25万（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：21.25万
还款月数：5年
每月还款：3804.2元
利息总额：1.58万
本息合计：22.83万
| 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 | 3804.20 | 504.69 | 3299.51 | 209200.49 |
| 2 | 2025-09 | 3804.20 | 496.85 | 3307.35 | 205893.14 |
| 3 | 2025-10 | 3804.20 | 489.00 | 3315.20 | 202577.94 |
| 4 | 2025-11 | 3804.20 | 481.12 | 3323.08 | 199254.86 |
| 5 | 2025-12 | 3804.20 | 473.23 | 3330.97 | 195923.90 |
| 6 | 2026-01 | 3804.20 | 465.32 | 3338.88 | 192585.02 |
| 7 | 2026-02 | 3804.20 | 457.39 | 3346.81 | 189238.21 |
| 8 | 2026-03 | 3804.20 | 449.44 | 3354.76 | 185883.45 |
| 9 | 2026-04 | 3804.20 | 441.47 | 3362.73 | 182520.72 |
| 10 | 2026-05 | 3804.20 | 433.49 | 3370.71 | 179150.01 |
| 11 | 2026-06 | 3804.20 | 425.48 | 3378.72 | 175771.29 |
| 12 | 2026-07 | 3804.20 | 417.46 | 3386.74 | 172384.55 |
| 13 | 2026-08 | 3804.20 | 409.41 | 3394.79 | 168989.77 |
| 14 | 2026-09 | 3804.20 | 401.35 | 3402.85 | 165586.92 |
| 15 | 2026-10 | 3804.20 | 393.27 | 3410.93 | 162175.99 |
| 16 | 2026-11 | 3804.20 | 385.17 | 3419.03 | 158756.96 |
| 17 | 2026-12 | 3804.20 | 377.05 | 3427.15 | 155329.81 |
| 18 | 2027-01 | 3804.20 | 368.91 | 3435.29 | 151894.52 |
| 19 | 2027-02 | 3804.20 | 360.75 | 3443.45 | 148451.07 |
| 20 | 2027-03 | 3804.20 | 352.57 | 3451.63 | 144999.44 |
| 21 | 2027-04 | 3804.20 | 344.37 | 3459.82 | 141539.62 |
| 22 | 2027-05 | 3804.20 | 336.16 | 3468.04 | 138071.58 |
| 23 | 2027-06 | 3804.20 | 327.92 | 3476.28 | 134595.30 |
| 24 | 2027-07 | 3804.20 | 319.66 | 3484.53 | 131110.76 |
| 25 | 2027-08 | 3804.20 | 311.39 | 3492.81 | 127617.95 |
| 26 | 2027-09 | 3804.20 | 303.09 | 3501.11 | 124116.85 |
| 27 | 2027-10 | 3804.20 | 294.78 | 3509.42 | 120607.43 |
| 28 | 2027-11 | 3804.20 | 286.44 | 3517.76 | 117089.67 |
| 29 | 2027-12 | 3804.20 | 278.09 | 3526.11 | 113563.56 |
| 30 | 2028-01 | 3804.20 | 269.71 | 3534.49 | 110029.07 |
| 31 | 2028-02 | 3804.20 | 261.32 | 3542.88 | 106486.19 |
| 32 | 2028-03 | 3804.20 | 252.90 | 3551.29 | 102934.90 |
| 33 | 2028-04 | 3804.20 | 244.47 | 3559.73 | 99375.17 |
| 34 | 2028-05 | 3804.20 | 236.02 | 3568.18 | 95806.99 |
| 35 | 2028-06 | 3804.20 | 227.54 | 3576.66 | 92230.33 |
| 36 | 2028-07 | 3804.20 | 219.05 | 3585.15 | 88645.18 |
| 37 | 2028-08 | 3804.20 | 210.53 | 3593.67 | 85051.52 |
| 38 | 2028-09 | 3804.20 | 202.00 | 3602.20 | 81449.31 |
| 39 | 2028-10 | 3804.20 | 193.44 | 3610.76 | 77838.56 |
| 40 | 2028-11 | 3804.20 | 184.87 | 3619.33 | 74219.23 |
| 41 | 2028-12 | 3804.20 | 176.27 | 3627.93 | 70591.30 |
| 42 | 2029-01 | 3804.20 | 167.65 | 3636.54 | 66954.75 |
| 43 | 2029-02 | 3804.20 | 159.02 | 3645.18 | 63309.57 |
| 44 | 2029-03 | 3804.20 | 150.36 | 3653.84 | 59655.73 |
| 45 | 2029-04 | 3804.20 | 141.68 | 3662.52 | 55993.22 |
| 46 | 2029-05 | 3804.20 | 132.98 | 3671.21 | 52322.00 |
| 47 | 2029-06 | 3804.20 | 124.26 | 3679.93 | 48642.07 |
| 48 | 2029-07 | 3804.20 | 115.52 | 3688.67 | 44953.40 |
| 49 | 2029-08 | 3804.20 | 106.76 | 3697.43 | 41255.96 |
| 50 | 2029-09 | 3804.20 | 97.98 | 3706.22 | 37549.75 |
| 51 | 2029-10 | 3804.20 | 89.18 | 3715.02 | 33834.73 |
| 52 | 2029-11 | 3804.20 | 80.36 | 3723.84 | 30110.89 |
| 53 | 2029-12 | 3804.20 | 71.51 | 3732.69 | 26378.20 |
| 54 | 2030-01 | 3804.20 | 62.65 | 3741.55 | 22636.65 |
| 55 | 2030-02 | 3804.20 | 53.76 | 3750.44 | 18886.22 |
| 56 | 2030-03 | 3804.20 | 44.85 | 3759.34 | 15126.87 |
| 57 | 2030-04 | 3804.20 | 35.93 | 3768.27 | 11358.60 |
| 58 | 2030-05 | 3804.20 | 26.98 | 3777.22 | 7581.38 |
| 59 | 2030-06 | 3804.20 | 18.01 | 3786.19 | 3795.18 |
| 60 | 2030-07 | 3804.20 | 9.01 | 3795.18 | 0.00 |
等额本金还款方式：
贷款总额：21.25万
还款月数：5年
首月还款：4046.35元
每月递减：8.41元
利息总额：1.54万
本息合计：22.79万
节省利息：358.94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 | 4046.35 | 504.69 | 3541.67 | 208958.33 |
| 2 | 2025-09 | 4037.94 | 496.28 | 3541.67 | 205416.67 |
| 3 | 2025-10 | 4029.53 | 487.86 | 3541.67 | 201875.00 |
| 4 | 2025-11 | 4021.12 | 479.45 | 3541.67 | 198333.33 |
| 5 | 2025-12 | 4012.71 | 471.04 | 3541.67 | 194791.67 |
| 6 | 2026-01 | 4004.30 | 462.63 | 3541.67 | 191250.00 |
| 7 | 2026-02 | 3995.89 | 454.22 | 3541.67 | 187708.33 |
| 8 | 2026-03 | 3987.47 | 445.81 | 3541.67 | 184166.67 |
| 9 | 2026-04 | 3979.06 | 437.40 | 3541.67 | 180625.00 |
| 10 | 2026-05 | 3970.65 | 428.98 | 3541.67 | 177083.33 |
| 11 | 2026-06 | 3962.24 | 420.57 | 3541.67 | 173541.67 |
| 12 | 2026-07 | 3953.83 | 412.16 | 3541.67 | 170000.00 |
| 13 | 2026-08 | 3945.42 | 403.75 | 3541.67 | 166458.33 |
| 14 | 2026-09 | 3937.01 | 395.34 | 3541.67 | 162916.67 |
| 15 | 2026-10 | 3928.59 | 386.93 | 3541.67 | 159375.00 |
| 16 | 2026-11 | 3920.18 | 378.52 | 3541.67 | 155833.33 |
| 17 | 2026-12 | 3911.77 | 370.10 | 3541.67 | 152291.67 |
| 18 | 2027-01 | 3903.36 | 361.69 | 3541.67 | 148750.00 |
| 19 | 2027-02 | 3894.95 | 353.28 | 3541.67 | 145208.33 |
| 20 | 2027-03 | 3886.54 | 344.87 | 3541.67 | 141666.67 |
| 21 | 2027-04 | 3878.13 | 336.46 | 3541.67 | 138125.00 |
| 22 | 2027-05 | 3869.71 | 328.05 | 3541.67 | 134583.33 |
| 23 | 2027-06 | 3861.30 | 319.64 | 3541.67 | 131041.67 |
| 24 | 2027-07 | 3852.89 | 311.22 | 3541.67 | 127500.00 |
| 25 | 2027-08 | 3844.48 | 302.81 | 3541.67 | 123958.33 |
| 26 | 2027-09 | 3836.07 | 294.40 | 3541.67 | 120416.67 |
| 27 | 2027-10 | 3827.66 | 285.99 | 3541.67 | 116875.00 |
| 28 | 2027-11 | 3819.24 | 277.58 | 3541.67 | 113333.33 |
| 29 | 2027-12 | 3810.83 | 269.17 | 3541.67 | 109791.67 |
| 30 | 2028-01 | 3802.42 | 260.76 | 3541.67 | 106250.00 |
| 31 | 2028-02 | 3794.01 | 252.34 | 3541.67 | 102708.33 |
| 32 | 2028-03 | 3785.60 | 243.93 | 3541.67 | 99166.67 |
| 33 | 2028-04 | 3777.19 | 235.52 | 3541.67 | 95625.00 |
| 34 | 2028-05 | 3768.78 | 227.11 | 3541.67 | 92083.33 |
| 35 | 2028-06 | 3760.36 | 218.70 | 3541.67 | 88541.67 |
| 36 | 2028-07 | 3751.95 | 210.29 | 3541.67 | 85000.00 |
| 37 | 2028-08 | 3743.54 | 201.88 | 3541.67 | 81458.33 |
| 38 | 2028-09 | 3735.13 | 193.46 | 3541.67 | 77916.67 |
| 39 | 2028-10 | 3726.72 | 185.05 | 3541.67 | 74375.00 |
| 40 | 2028-11 | 3718.31 | 176.64 | 3541.67 | 70833.33 |
| 41 | 2028-12 | 3709.90 | 168.23 | 3541.67 | 67291.67 |
| 42 | 2029-01 | 3701.48 | 159.82 | 3541.67 | 63750.00 |
| 43 | 2029-02 | 3693.07 | 151.41 | 3541.67 | 60208.33 |
| 44 | 2029-03 | 3684.66 | 142.99 | 3541.67 | 56666.67 |
| 45 | 2029-04 | 3676.25 | 134.58 | 3541.67 | 53125.00 |
| 46 | 2029-05 | 3667.84 | 126.17 | 3541.67 | 49583.33 |
| 47 | 2029-06 | 3659.43 | 117.76 | 3541.67 | 46041.67 |
| 48 | 2029-07 | 3651.02 | 109.35 | 3541.67 | 42500.00 |
| 49 | 2029-08 | 3642.60 | 100.94 | 3541.67 | 38958.33 |
| 50 | 2029-09 | 3634.19 | 92.53 | 3541.67 | 35416.67 |
| 51 | 2029-10 | 3625.78 | 84.11 | 3541.67 | 31875.00 |
| 52 | 2029-11 | 3617.37 | 75.70 | 3541.67 | 28333.33 |
| 53 | 2029-12 | 3608.96 | 67.29 | 3541.67 | 24791.67 |
| 54 | 2030-01 | 3600.55 | 58.88 | 3541.67 | 21250.00 |
| 55 | 2030-02 | 3592.14 | 50.47 | 3541.67 | 17708.33 |
| 56 | 2030-03 | 3583.72 | 42.06 | 3541.67 | 14166.67 |
| 57 | 2030-04 | 3575.31 | 33.65 | 3541.67 | 10625.00 |
| 58 | 2030-05 | 3566.90 | 25.23 | 3541.67 | 7083.33 |
| 59 | 2030-06 | 3558.49 | 16.82 | 3541.67 | 3541.67 |
| 60 | 2030-07 | 3550.08 | 8.41 | 3541.67 | 0.00 |