贷款21.09万（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：21.09万
还款月数：5年
每月还款：3770元
利息总额：1.53万
本息合计：22.62万
| 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 | 3770.00 | 491.98 | 3278.02 | 207572.66 |
| 2 | 2025-09 | 3770.00 | 484.34 | 3285.66 | 204287.00 |
| 3 | 2025-10 | 3770.00 | 476.67 | 3293.33 | 200993.67 |
| 4 | 2025-11 | 3770.00 | 468.99 | 3301.01 | 197692.66 |
| 5 | 2025-12 | 3770.00 | 461.28 | 3308.72 | 194383.94 |
| 6 | 2026-01 | 3770.00 | 453.56 | 3316.44 | 191067.50 |
| 7 | 2026-02 | 3770.00 | 445.82 | 3324.18 | 187743.32 |
| 8 | 2026-03 | 3770.00 | 438.07 | 3331.93 | 184411.39 |
| 9 | 2026-04 | 3770.00 | 430.29 | 3339.71 | 181071.69 |
| 10 | 2026-05 | 3770.00 | 422.50 | 3347.50 | 177724.19 |
| 11 | 2026-06 | 3770.00 | 414.69 | 3355.31 | 174368.88 |
| 12 | 2026-07 | 3770.00 | 406.86 | 3363.14 | 171005.74 |
| 13 | 2026-08 | 3770.00 | 399.01 | 3370.99 | 167634.75 |
| 14 | 2026-09 | 3770.00 | 391.15 | 3378.85 | 164255.90 |
| 15 | 2026-10 | 3770.00 | 383.26 | 3386.74 | 160869.16 |
| 16 | 2026-11 | 3770.00 | 375.36 | 3394.64 | 157474.52 |
| 17 | 2026-12 | 3770.00 | 367.44 | 3402.56 | 154071.96 |
| 18 | 2027-01 | 3770.00 | 359.50 | 3410.50 | 150661.47 |
| 19 | 2027-02 | 3770.00 | 351.54 | 3418.46 | 147243.01 |
| 20 | 2027-03 | 3770.00 | 343.57 | 3426.43 | 143816.58 |
| 21 | 2027-04 | 3770.00 | 335.57 | 3434.43 | 140382.15 |
| 22 | 2027-05 | 3770.00 | 327.56 | 3442.44 | 136939.71 |
| 23 | 2027-06 | 3770.00 | 319.53 | 3450.47 | 133489.23 |
| 24 | 2027-07 | 3770.00 | 311.47 | 3458.53 | 130030.71 |
| 25 | 2027-08 | 3770.00 | 303.40 | 3466.60 | 126564.11 |
| 26 | 2027-09 | 3770.00 | 295.32 | 3474.68 | 123089.43 |
| 27 | 2027-10 | 3770.00 | 287.21 | 3482.79 | 119606.64 |
| 28 | 2027-11 | 3770.00 | 279.08 | 3490.92 | 116115.72 |
| 29 | 2027-12 | 3770.00 | 270.94 | 3499.06 | 112616.66 |
| 30 | 2028-01 | 3770.00 | 262.77 | 3507.23 | 109109.43 |
| 31 | 2028-02 | 3770.00 | 254.59 | 3515.41 | 105594.02 |
| 32 | 2028-03 | 3770.00 | 246.39 | 3523.61 | 102070.40 |
| 33 | 2028-04 | 3770.00 | 238.16 | 3531.84 | 98538.57 |
| 34 | 2028-05 | 3770.00 | 229.92 | 3540.08 | 94998.49 |
| 35 | 2028-06 | 3770.00 | 221.66 | 3548.34 | 91450.15 |
| 36 | 2028-07 | 3770.00 | 213.38 | 3556.62 | 87893.54 |
| 37 | 2028-08 | 3770.00 | 205.08 | 3564.92 | 84328.62 |
| 38 | 2028-09 | 3770.00 | 196.77 | 3573.23 | 80755.39 |
| 39 | 2028-10 | 3770.00 | 188.43 | 3581.57 | 77173.82 |
| 40 | 2028-11 | 3770.00 | 180.07 | 3589.93 | 73583.89 |
| 41 | 2028-12 | 3770.00 | 171.70 | 3598.30 | 69985.59 |
| 42 | 2029-01 | 3770.00 | 163.30 | 3606.70 | 66378.89 |
| 43 | 2029-02 | 3770.00 | 154.88 | 3615.12 | 62763.77 |
| 44 | 2029-03 | 3770.00 | 146.45 | 3623.55 | 59140.22 |
| 45 | 2029-04 | 3770.00 | 137.99 | 3632.01 | 55508.21 |
| 46 | 2029-05 | 3770.00 | 129.52 | 3640.48 | 51867.73 |
| 47 | 2029-06 | 3770.00 | 121.02 | 3648.98 | 48218.76 |
| 48 | 2029-07 | 3770.00 | 112.51 | 3657.49 | 44561.27 |
| 49 | 2029-08 | 3770.00 | 103.98 | 3666.02 | 40895.24 |
| 50 | 2029-09 | 3770.00 | 95.42 | 3674.58 | 37220.66 |
| 51 | 2029-10 | 3770.00 | 86.85 | 3683.15 | 33537.51 |
| 52 | 2029-11 | 3770.00 | 78.25 | 3691.75 | 29845.77 |
| 53 | 2029-12 | 3770.00 | 69.64 | 3700.36 | 26145.41 |
| 54 | 2030-01 | 3770.00 | 61.01 | 3708.99 | 22436.41 |
| 55 | 2030-02 | 3770.00 | 52.35 | 3717.65 | 18718.77 |
| 56 | 2030-03 | 3770.00 | 43.68 | 3726.32 | 14992.44 |
| 57 | 2030-04 | 3770.00 | 34.98 | 3735.02 | 11257.42 |
| 58 | 2030-05 | 3770.00 | 26.27 | 3743.73 | 7513.69 |
| 59 | 2030-06 | 3770.00 | 17.53 | 3752.47 | 3761.22 |
| 60 | 2030-07 | 3770.00 | 8.78 | 3761.22 | 0.00 |
等额本金还款方式：
贷款总额：21.09万
还款月数：5年
首月还款：3770元
每月递减：7.72元
利息总额：1.41万
本息合计：21.25万
节省利息：1228.36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 | 3770.00 | 462.98 | 3307.02 | 195114.04 |
| 2 | 2025-09 | 3762.28 | 455.27 | 3307.02 | 191807.02 |
| 3 | 2025-10 | 3754.57 | 447.55 | 3307.02 | 188500.00 |
| 4 | 2025-11 | 3746.85 | 439.83 | 3307.02 | 185192.98 |
| 5 | 2025-12 | 3739.13 | 432.12 | 3307.02 | 181885.96 |
| 6 | 2026-01 | 3731.42 | 424.40 | 3307.02 | 178578.95 |
| 7 | 2026-02 | 3723.70 | 416.68 | 3307.02 | 175271.93 |
| 8 | 2026-03 | 3715.99 | 408.97 | 3307.02 | 171964.91 |
| 9 | 2026-04 | 3708.27 | 401.25 | 3307.02 | 168657.89 |
| 10 | 2026-05 | 3700.55 | 393.54 | 3307.02 | 165350.88 |
| 11 | 2026-06 | 3692.84 | 385.82 | 3307.02 | 162043.86 |
| 12 | 2026-07 | 3685.12 | 378.10 | 3307.02 | 158736.84 |
| 13 | 2026-08 | 3677.40 | 370.39 | 3307.02 | 155429.82 |
| 14 | 2026-09 | 3669.69 | 362.67 | 3307.02 | 152122.81 |
| 15 | 2026-10 | 3661.97 | 354.95 | 3307.02 | 148815.79 |
| 16 | 2026-11 | 3654.25 | 347.24 | 3307.02 | 145508.77 |
| 17 | 2026-12 | 3646.54 | 339.52 | 3307.02 | 142201.75 |
| 18 | 2027-01 | 3638.82 | 331.80 | 3307.02 | 138894.74 |
| 19 | 2027-02 | 3631.11 | 324.09 | 3307.02 | 135587.72 |
| 20 | 2027-03 | 3623.39 | 316.37 | 3307.02 | 132280.70 |
| 21 | 2027-04 | 3615.67 | 308.65 | 3307.02 | 128973.68 |
| 22 | 2027-05 | 3607.96 | 300.94 | 3307.02 | 125666.67 |
| 23 | 2027-06 | 3600.24 | 293.22 | 3307.02 | 122359.65 |
| 24 | 2027-07 | 3592.52 | 285.51 | 3307.02 | 119052.63 |
| 25 | 2027-08 | 3584.81 | 277.79 | 3307.02 | 115745.61 |
| 26 | 2027-09 | 3577.09 | 270.07 | 3307.02 | 112438.60 |
| 27 | 2027-10 | 3569.37 | 262.36 | 3307.02 | 109131.58 |
| 28 | 2027-11 | 3561.66 | 254.64 | 3307.02 | 105824.56 |
| 29 | 2027-12 | 3553.94 | 246.92 | 3307.02 | 102517.54 |
| 30 | 2028-01 | 3546.23 | 239.21 | 3307.02 | 99210.53 |
| 31 | 2028-02 | 3538.51 | 231.49 | 3307.02 | 95903.51 |
| 32 | 2028-03 | 3530.79 | 223.77 | 3307.02 | 92596.49 |
| 33 | 2028-04 | 3523.08 | 216.06 | 3307.02 | 89289.47 |
| 34 | 2028-05 | 3515.36 | 208.34 | 3307.02 | 85982.46 |
| 35 | 2028-06 | 3507.64 | 200.63 | 3307.02 | 82675.44 |
| 36 | 2028-07 | 3499.93 | 192.91 | 3307.02 | 79368.42 |
| 37 | 2028-08 | 3492.21 | 185.19 | 3307.02 | 76061.40 |
| 38 | 2028-09 | 3484.49 | 177.48 | 3307.02 | 72754.39 |
| 39 | 2028-10 | 3476.78 | 169.76 | 3307.02 | 69447.37 |
| 40 | 2028-11 | 3469.06 | 162.04 | 3307.02 | 66140.35 |
| 41 | 2028-12 | 3461.35 | 154.33 | 3307.02 | 62833.33 |
| 42 | 2029-01 | 3453.63 | 146.61 | 3307.02 | 59526.32 |
| 43 | 2029-02 | 3445.91 | 138.89 | 3307.02 | 56219.30 |
| 44 | 2029-03 | 3438.20 | 131.18 | 3307.02 | 52912.28 |
| 45 | 2029-04 | 3430.48 | 123.46 | 3307.02 | 49605.26 |
| 46 | 2029-05 | 3422.76 | 115.75 | 3307.02 | 46298.25 |
| 47 | 2029-06 | 3415.05 | 108.03 | 3307.02 | 42991.23 |
| 48 | 2029-07 | 3407.33 | 100.31 | 3307.02 | 39684.21 |
| 49 | 2029-08 | 3399.61 | 92.60 | 3307.02 | 36377.19 |
| 50 | 2029-09 | 3391.90 | 84.88 | 3307.02 | 33070.18 |
| 51 | 2029-10 | 3384.18 | 77.16 | 3307.02 | 29763.16 |
| 52 | 2029-11 | 3376.46 | 69.45 | 3307.02 | 26456.14 |
| 53 | 2029-12 | 3368.75 | 61.73 | 3307.02 | 23149.12 |
| 54 | 2030-01 | 3361.03 | 54.01 | 3307.02 | 19842.11 |
| 55 | 2030-02 | 3353.32 | 46.30 | 3307.02 | 16535.09 |
| 56 | 2030-03 | 3345.60 | 38.58 | 3307.02 | 13228.07 |
| 57 | 2030-04 | 3337.88 | 30.87 | 3307.02 | 9921.05 |
| 58 | 2030-05 | 3330.17 | 23.15 | 3307.02 | 6614.04 |
| 59 | 2030-06 | 3322.45 | 15.43 | 3307.02 | 3307.02 |
| 60 | 2030-07 | 3314.73 | 7.72 | 3307.02 | 0.00 |