贷款27万（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：27万
还款月数：5年
每月还款：4833.57元
利息总额：2万
本息合计：29万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 4833.57 | 641.25 | 4192.32 | 265807.68 |
| 2 | 2024-06 | 4833.57 | 631.29 | 4202.28 | 261605.40 |
| 3 | 2024-07 | 4833.57 | 621.31 | 4212.26 | 257393.15 |
| 4 | 2024-08 | 4833.57 | 611.31 | 4222.26 | 253170.89 |
| 5 | 2024-09 | 4833.57 | 601.28 | 4232.29 | 248938.60 |
| 6 | 2024-10 | 4833.57 | 591.23 | 4242.34 | 244696.26 |
| 7 | 2024-11 | 4833.57 | 581.15 | 4252.42 | 240443.84 |
| 8 | 2024-12 | 4833.57 | 571.05 | 4262.52 | 236181.32 |
| 9 | 2025-01 | 4833.57 | 560.93 | 4272.64 | 231908.68 |
| 10 | 2025-02 | 4833.57 | 550.78 | 4282.79 | 227625.90 |
| 11 | 2025-03 | 4833.57 | 540.61 | 4292.96 | 223332.94 |
| 12 | 2025-04 | 4833.57 | 530.42 | 4303.15 | 219029.78 |
| 13 | 2025-05 | 4833.57 | 520.20 | 4313.37 | 214716.41 |
| 14 | 2025-06 | 4833.57 | 509.95 | 4323.62 | 210392.79 |
| 15 | 2025-07 | 4833.57 | 499.68 | 4333.89 | 206058.91 |
| 16 | 2025-08 | 4833.57 | 489.39 | 4344.18 | 201714.73 |
| 17 | 2025-09 | 4833.57 | 479.07 | 4354.50 | 197360.23 |
| 18 | 2025-10 | 4833.57 | 468.73 | 4364.84 | 192995.39 |
| 19 | 2025-11 | 4833.57 | 458.36 | 4375.21 | 188620.18 |
| 20 | 2025-12 | 4833.57 | 447.97 | 4385.60 | 184234.59 |
| 21 | 2026-01 | 4833.57 | 437.56 | 4396.01 | 179838.57 |
| 22 | 2026-02 | 4833.57 | 427.12 | 4406.45 | 175432.12 |
| 23 | 2026-03 | 4833.57 | 416.65 | 4416.92 | 171015.20 |
| 24 | 2026-04 | 4833.57 | 406.16 | 4427.41 | 166587.79 |
| 25 | 2026-05 | 4833.57 | 395.65 | 4437.92 | 162149.87 |
| 26 | 2026-06 | 4833.57 | 385.11 | 4448.46 | 157701.40 |
| 27 | 2026-07 | 4833.57 | 374.54 | 4459.03 | 153242.38 |
| 28 | 2026-08 | 4833.57 | 363.95 | 4469.62 | 148772.76 |
| 29 | 2026-09 | 4833.57 | 353.34 | 4480.23 | 144292.52 |
| 30 | 2026-10 | 4833.57 | 342.69 | 4490.88 | 139801.65 |
| 31 | 2026-11 | 4833.57 | 332.03 | 4501.54 | 135300.11 |
| 32 | 2026-12 | 4833.57 | 321.34 | 4512.23 | 130787.87 |
| 33 | 2027-01 | 4833.57 | 310.62 | 4522.95 | 126264.92 |
| 34 | 2027-02 | 4833.57 | 299.88 | 4533.69 | 121731.23 |
| 35 | 2027-03 | 4833.57 | 289.11 | 4544.46 | 117186.78 |
| 36 | 2027-04 | 4833.57 | 278.32 | 4555.25 | 112631.52 |
| 37 | 2027-05 | 4833.57 | 267.50 | 4566.07 | 108065.45 |
| 38 | 2027-06 | 4833.57 | 256.66 | 4576.91 | 103488.54 |
| 39 | 2027-07 | 4833.57 | 245.79 | 4587.78 | 98900.76 |
| 40 | 2027-08 | 4833.57 | 234.89 | 4598.68 | 94302.07 |
| 41 | 2027-09 | 4833.57 | 223.97 | 4609.60 | 89692.47 |
| 42 | 2027-10 | 4833.57 | 213.02 | 4620.55 | 85071.92 |
| 43 | 2027-11 | 4833.57 | 202.05 | 4631.52 | 80440.40 |
| 44 | 2027-12 | 4833.57 | 191.05 | 4642.52 | 75797.87 |
| 45 | 2028-01 | 4833.57 | 180.02 | 4653.55 | 71144.32 |
| 46 | 2028-02 | 4833.57 | 168.97 | 4664.60 | 66479.72 |
| 47 | 2028-03 | 4833.57 | 157.89 | 4675.68 | 61804.04 |
| 48 | 2028-04 | 4833.57 | 146.78 | 4686.79 | 57117.26 |
| 49 | 2028-05 | 4833.57 | 135.65 | 4697.92 | 52419.34 |
| 50 | 2028-06 | 4833.57 | 124.50 | 4709.07 | 47710.27 |
| 51 | 2028-07 | 4833.57 | 113.31 | 4720.26 | 42990.01 |
| 52 | 2028-08 | 4833.57 | 102.10 | 4731.47 | 38258.54 |
| 53 | 2028-09 | 4833.57 | 90.86 | 4742.71 | 33515.83 |
| 54 | 2028-10 | 4833.57 | 79.60 | 4753.97 | 28761.86 |
| 55 | 2028-11 | 4833.57 | 68.31 | 4765.26 | 23996.60 |
| 56 | 2028-12 | 4833.57 | 56.99 | 4776.58 | 19220.03 |
| 57 | 2029-01 | 4833.57 | 45.65 | 4787.92 | 14432.10 |
| 58 | 2029-02 | 4833.57 | 34.28 | 4799.29 | 9632.81 |
| 59 | 2029-03 | 4833.57 | 22.88 | 4810.69 | 4822.12 |
| 60 | 2029-04 | 4833.57 | 11.45 | 4822.12 | 0.00 |
等额本金还款方式：
贷款总额：27万
还款月数：5年
首月还款：5141.25元
每月递减：10.69元
利息总额：1.96万
本息合计：28.96万
节省利息：456.07元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 5141.25 | 641.25 | 4500.00 | 265500.00 |
| 2 | 2024-06 | 5130.56 | 630.56 | 4500.00 | 261000.00 |
| 3 | 2024-07 | 5119.88 | 619.88 | 4500.00 | 256500.00 |
| 4 | 2024-08 | 5109.19 | 609.19 | 4500.00 | 252000.00 |
| 5 | 2024-09 | 5098.50 | 598.50 | 4500.00 | 247500.00 |
| 6 | 2024-10 | 5087.81 | 587.81 | 4500.00 | 243000.00 |
| 7 | 2024-11 | 5077.13 | 577.13 | 4500.00 | 238500.00 |
| 8 | 2024-12 | 5066.44 | 566.44 | 4500.00 | 234000.00 |
| 9 | 2025-01 | 5055.75 | 555.75 | 4500.00 | 229500.00 |
| 10 | 2025-02 | 5045.06 | 545.06 | 4500.00 | 225000.00 |
| 11 | 2025-03 | 5034.38 | 534.38 | 4500.00 | 220500.00 |
| 12 | 2025-04 | 5023.69 | 523.69 | 4500.00 | 216000.00 |
| 13 | 2025-05 | 5013.00 | 513.00 | 4500.00 | 211500.00 |
| 14 | 2025-06 | 5002.31 | 502.31 | 4500.00 | 207000.00 |
| 15 | 2025-07 | 4991.63 | 491.63 | 4500.00 | 202500.00 |
| 16 | 2025-08 | 4980.94 | 480.94 | 4500.00 | 198000.00 |
| 17 | 2025-09 | 4970.25 | 470.25 | 4500.00 | 193500.00 |
| 18 | 2025-10 | 4959.56 | 459.56 | 4500.00 | 189000.00 |
| 19 | 2025-11 | 4948.88 | 448.88 | 4500.00 | 184500.00 |
| 20 | 2025-12 | 4938.19 | 438.19 | 4500.00 | 180000.00 |
| 21 | 2026-01 | 4927.50 | 427.50 | 4500.00 | 175500.00 |
| 22 | 2026-02 | 4916.81 | 416.81 | 4500.00 | 171000.00 |
| 23 | 2026-03 | 4906.13 | 406.13 | 4500.00 | 166500.00 |
| 24 | 2026-04 | 4895.44 | 395.44 | 4500.00 | 162000.00 |
| 25 | 2026-05 | 4884.75 | 384.75 | 4500.00 | 157500.00 |
| 26 | 2026-06 | 4874.06 | 374.06 | 4500.00 | 153000.00 |
| 27 | 2026-07 | 4863.38 | 363.38 | 4500.00 | 148500.00 |
| 28 | 2026-08 | 4852.69 | 352.69 | 4500.00 | 144000.00 |
| 29 | 2026-09 | 4842.00 | 342.00 | 4500.00 | 139500.00 |
| 30 | 2026-10 | 4831.31 | 331.31 | 4500.00 | 135000.00 |
| 31 | 2026-11 | 4820.63 | 320.63 | 4500.00 | 130500.00 |
| 32 | 2026-12 | 4809.94 | 309.94 | 4500.00 | 126000.00 |
| 33 | 2027-01 | 4799.25 | 299.25 | 4500.00 | 121500.00 |
| 34 | 2027-02 | 4788.56 | 288.56 | 4500.00 | 117000.00 |
| 35 | 2027-03 | 4777.88 | 277.88 | 4500.00 | 112500.00 |
| 36 | 2027-04 | 4767.19 | 267.19 | 4500.00 | 108000.00 |
| 37 | 2027-05 | 4756.50 | 256.50 | 4500.00 | 103500.00 |
| 38 | 2027-06 | 4745.81 | 245.81 | 4500.00 | 99000.00 |
| 39 | 2027-07 | 4735.13 | 235.13 | 4500.00 | 94500.00 |
| 40 | 2027-08 | 4724.44 | 224.44 | 4500.00 | 90000.00 |
| 41 | 2027-09 | 4713.75 | 213.75 | 4500.00 | 85500.00 |
| 42 | 2027-10 | 4703.06 | 203.06 | 4500.00 | 81000.00 |
| 43 | 2027-11 | 4692.38 | 192.38 | 4500.00 | 76500.00 |
| 44 | 2027-12 | 4681.69 | 181.69 | 4500.00 | 72000.00 |
| 45 | 2028-01 | 4671.00 | 171.00 | 4500.00 | 67500.00 |
| 46 | 2028-02 | 4660.31 | 160.31 | 4500.00 | 63000.00 |
| 47 | 2028-03 | 4649.63 | 149.63 | 4500.00 | 58500.00 |
| 48 | 2028-04 | 4638.94 | 138.94 | 4500.00 | 54000.00 |
| 49 | 2028-05 | 4628.25 | 128.25 | 4500.00 | 49500.00 |
| 50 | 2028-06 | 4617.56 | 117.56 | 4500.00 | 45000.00 |
| 51 | 2028-07 | 4606.88 | 106.88 | 4500.00 | 40500.00 |
| 52 | 2028-08 | 4596.19 | 96.19 | 4500.00 | 36000.00 |
| 53 | 2028-09 | 4585.50 | 85.50 | 4500.00 | 31500.00 |
| 54 | 2028-10 | 4574.81 | 74.81 | 4500.00 | 27000.00 |
| 55 | 2028-11 | 4564.13 | 64.13 | 4500.00 | 22500.00 |
| 56 | 2028-12 | 4553.44 | 53.44 | 4500.00 | 18000.00 |
| 57 | 2029-01 | 4542.75 | 42.75 | 4500.00 | 13500.00 |
| 58 | 2029-02 | 4532.06 | 32.06 | 4500.00 | 9000.00 |
| 59 | 2029-03 | 4521.38 | 21.38 | 4500.00 | 4500.00 |
| 60 | 2029-04 | 4510.69 | 10.69 | 4500.00 | 0.00 |