南通贷款29万（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：29万
还款月数：5年
每月还款：5149.93元
利息总额：1.9万
本息合计：30.9万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 5149.93 | 610.21 | 4539.72 | 285460.28 |
| 2 | 2025-10 | 5149.93 | 600.66 | 4549.28 | 280911.00 |
| 3 | 2025-11 | 5149.93 | 591.08 | 4558.85 | 276352.15 |
| 4 | 2025-12 | 5149.93 | 581.49 | 4568.44 | 271783.71 |
| 5 | 2026-01 | 5149.93 | 571.88 | 4578.05 | 267205.66 |
| 6 | 2026-02 | 5149.93 | 562.25 | 4587.69 | 262617.97 |
| 7 | 2026-03 | 5149.93 | 552.59 | 4597.34 | 258020.63 |
| 8 | 2026-04 | 5149.93 | 542.92 | 4607.01 | 253413.61 |
| 9 | 2026-05 | 5149.93 | 533.22 | 4616.71 | 248796.91 |
| 10 | 2026-06 | 5149.93 | 523.51 | 4626.42 | 244170.48 |
| 11 | 2026-07 | 5149.93 | 513.78 | 4636.16 | 239534.33 |
| 12 | 2026-08 | 5149.93 | 504.02 | 4645.91 | 234888.42 |
| 13 | 2026-09 | 5149.93 | 494.24 | 4655.69 | 230232.73 |
| 14 | 2026-10 | 5149.93 | 484.45 | 4665.48 | 225567.24 |
| 15 | 2026-11 | 5149.93 | 474.63 | 4675.30 | 220891.94 |
| 16 | 2026-12 | 5149.93 | 464.79 | 4685.14 | 216206.80 |
| 17 | 2027-01 | 5149.93 | 454.94 | 4695.00 | 211511.81 |
| 18 | 2027-02 | 5149.93 | 445.06 | 4704.88 | 206806.93 |
| 19 | 2027-03 | 5149.93 | 435.16 | 4714.78 | 202092.15 |
| 20 | 2027-04 | 5149.93 | 425.24 | 4724.70 | 197367.46 |
| 21 | 2027-05 | 5149.93 | 415.29 | 4734.64 | 192632.82 |
| 22 | 2027-06 | 5149.93 | 405.33 | 4744.60 | 187888.22 |
| 23 | 2027-07 | 5149.93 | 395.35 | 4754.58 | 183133.64 |
| 24 | 2027-08 | 5149.93 | 385.34 | 4764.59 | 178369.05 |
| 25 | 2027-09 | 5149.93 | 375.32 | 4774.61 | 173594.43 |
| 26 | 2027-10 | 5149.93 | 365.27 | 4784.66 | 168809.77 |
| 27 | 2027-11 | 5149.93 | 355.20 | 4794.73 | 164015.04 |
| 28 | 2027-12 | 5149.93 | 345.11 | 4804.82 | 159210.23 |
| 29 | 2028-01 | 5149.93 | 335.00 | 4814.93 | 154395.30 |
| 30 | 2028-02 | 5149.93 | 324.87 | 4825.06 | 149570.24 |
| 31 | 2028-03 | 5149.93 | 314.72 | 4835.21 | 144735.03 |
| 32 | 2028-04 | 5149.93 | 304.55 | 4845.39 | 139889.64 |
| 33 | 2028-05 | 5149.93 | 294.35 | 4855.58 | 135034.06 |
| 34 | 2028-06 | 5149.93 | 284.13 | 4865.80 | 130168.26 |
| 35 | 2028-07 | 5149.93 | 273.90 | 4876.04 | 125292.23 |
| 36 | 2028-08 | 5149.93 | 263.64 | 4886.30 | 120405.93 |
| 37 | 2028-09 | 5149.93 | 253.35 | 4896.58 | 115509.35 |
| 38 | 2028-10 | 5149.93 | 243.05 | 4906.88 | 110602.47 |
| 39 | 2028-11 | 5149.93 | 232.73 | 4917.21 | 105685.26 |
| 40 | 2028-12 | 5149.93 | 222.38 | 4927.55 | 100757.71 |
| 41 | 2029-01 | 5149.93 | 212.01 | 4937.92 | 95819.79 |
| 42 | 2029-02 | 5149.93 | 201.62 | 4948.31 | 90871.48 |
| 43 | 2029-03 | 5149.93 | 191.21 | 4958.72 | 85912.76 |
| 44 | 2029-04 | 5149.93 | 180.77 | 4969.16 | 80943.60 |
| 45 | 2029-05 | 5149.93 | 170.32 | 4979.61 | 75963.99 |
| 46 | 2029-06 | 5149.93 | 159.84 | 4990.09 | 70973.89 |
| 47 | 2029-07 | 5149.93 | 149.34 | 5000.59 | 65973.30 |
| 48 | 2029-08 | 5149.93 | 138.82 | 5011.11 | 60962.19 |
| 49 | 2029-09 | 5149.93 | 128.27 | 5021.66 | 55940.53 |
| 50 | 2029-10 | 5149.93 | 117.71 | 5032.22 | 50908.31 |
| 51 | 2029-11 | 5149.93 | 107.12 | 5042.81 | 45865.49 |
| 52 | 2029-12 | 5149.93 | 96.51 | 5053.42 | 40812.07 |
| 53 | 2030-01 | 5149.93 | 85.88 | 5064.06 | 35748.01 |
| 54 | 2030-02 | 5149.93 | 75.22 | 5074.71 | 30673.30 |
| 55 | 2030-03 | 5149.93 | 64.54 | 5085.39 | 25587.91 |
| 56 | 2030-04 | 5149.93 | 53.84 | 5096.09 | 20491.82 |
| 57 | 2030-05 | 5149.93 | 43.12 | 5106.81 | 15385.01 |
| 58 | 2030-06 | 5149.93 | 32.37 | 5117.56 | 10267.45 |
| 59 | 2030-07 | 5149.93 | 21.60 | 5128.33 | 5139.12 |
| 60 | 2030-08 | 5149.93 | 10.81 | 5139.12 | 0.00 |
等额本金还款方式：
贷款总额：29万
还款月数：5年
首月还款：5443.54元
每月递减：10.17元
利息总额：1.86万
本息合计：30.86万
节省利息：384.58元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 5443.54 | 610.21 | 4833.33 | 285166.67 |
| 2 | 2025-10 | 5433.37 | 600.04 | 4833.33 | 280333.33 |
| 3 | 2025-11 | 5423.20 | 589.87 | 4833.33 | 275500.00 |
| 4 | 2025-12 | 5413.03 | 579.70 | 4833.33 | 270666.67 |
| 5 | 2026-01 | 5402.86 | 569.53 | 4833.33 | 265833.33 |
| 6 | 2026-02 | 5392.69 | 559.36 | 4833.33 | 261000.00 |
| 7 | 2026-03 | 5382.52 | 549.19 | 4833.33 | 256166.67 |
| 8 | 2026-04 | 5372.35 | 539.02 | 4833.33 | 251333.33 |
| 9 | 2026-05 | 5362.18 | 528.85 | 4833.33 | 246500.00 |
| 10 | 2026-06 | 5352.01 | 518.68 | 4833.33 | 241666.67 |
| 11 | 2026-07 | 5341.84 | 508.51 | 4833.33 | 236833.33 |
| 12 | 2026-08 | 5331.67 | 498.34 | 4833.33 | 232000.00 |
| 13 | 2026-09 | 5321.50 | 488.17 | 4833.33 | 227166.67 |
| 14 | 2026-10 | 5311.33 | 478.00 | 4833.33 | 222333.33 |
| 15 | 2026-11 | 5301.16 | 467.83 | 4833.33 | 217500.00 |
| 16 | 2026-12 | 5290.99 | 457.66 | 4833.33 | 212666.67 |
| 17 | 2027-01 | 5280.82 | 447.49 | 4833.33 | 207833.33 |
| 18 | 2027-02 | 5270.65 | 437.32 | 4833.33 | 203000.00 |
| 19 | 2027-03 | 5260.48 | 427.15 | 4833.33 | 198166.67 |
| 20 | 2027-04 | 5250.31 | 416.98 | 4833.33 | 193333.33 |
| 21 | 2027-05 | 5240.14 | 406.81 | 4833.33 | 188500.00 |
| 22 | 2027-06 | 5229.97 | 396.64 | 4833.33 | 183666.67 |
| 23 | 2027-07 | 5219.80 | 386.47 | 4833.33 | 178833.33 |
| 24 | 2027-08 | 5209.63 | 376.30 | 4833.33 | 174000.00 |
| 25 | 2027-09 | 5199.46 | 366.13 | 4833.33 | 169166.67 |
| 26 | 2027-10 | 5189.29 | 355.95 | 4833.33 | 164333.33 |
| 27 | 2027-11 | 5179.12 | 345.78 | 4833.33 | 159500.00 |
| 28 | 2027-12 | 5168.95 | 335.61 | 4833.33 | 154666.67 |
| 29 | 2028-01 | 5158.78 | 325.44 | 4833.33 | 149833.33 |
| 30 | 2028-02 | 5148.61 | 315.27 | 4833.33 | 145000.00 |
| 31 | 2028-03 | 5138.44 | 305.10 | 4833.33 | 140166.67 |
| 32 | 2028-04 | 5128.27 | 294.93 | 4833.33 | 135333.33 |
| 33 | 2028-05 | 5118.10 | 284.76 | 4833.33 | 130500.00 |
| 34 | 2028-06 | 5107.93 | 274.59 | 4833.33 | 125666.67 |
| 35 | 2028-07 | 5097.76 | 264.42 | 4833.33 | 120833.33 |
| 36 | 2028-08 | 5087.59 | 254.25 | 4833.33 | 116000.00 |
| 37 | 2028-09 | 5077.42 | 244.08 | 4833.33 | 111166.67 |
| 38 | 2028-10 | 5067.25 | 233.91 | 4833.33 | 106333.33 |
| 39 | 2028-11 | 5057.08 | 223.74 | 4833.33 | 101500.00 |
| 40 | 2028-12 | 5046.91 | 213.57 | 4833.33 | 96666.67 |
| 41 | 2029-01 | 5036.74 | 203.40 | 4833.33 | 91833.33 |
| 42 | 2029-02 | 5026.57 | 193.23 | 4833.33 | 87000.00 |
| 43 | 2029-03 | 5016.40 | 183.06 | 4833.33 | 82166.67 |
| 44 | 2029-04 | 5006.23 | 172.89 | 4833.33 | 77333.33 |
| 45 | 2029-05 | 4996.06 | 162.72 | 4833.33 | 72500.00 |
| 46 | 2029-06 | 4985.89 | 152.55 | 4833.33 | 67666.67 |
| 47 | 2029-07 | 4975.72 | 142.38 | 4833.33 | 62833.33 |
| 48 | 2029-08 | 4965.55 | 132.21 | 4833.33 | 58000.00 |
| 49 | 2029-09 | 4955.38 | 122.04 | 4833.33 | 53166.67 |
| 50 | 2029-10 | 4945.20 | 111.87 | 4833.33 | 48333.33 |
| 51 | 2029-11 | 4935.03 | 101.70 | 4833.33 | 43500.00 |
| 52 | 2029-12 | 4924.86 | 91.53 | 4833.33 | 38666.67 |
| 53 | 2030-01 | 4914.69 | 81.36 | 4833.33 | 33833.33 |
| 54 | 2030-02 | 4904.52 | 71.19 | 4833.33 | 29000.00 |
| 55 | 2030-03 | 4894.35 | 61.02 | 4833.33 | 24166.67 |
| 56 | 2030-04 | 4884.18 | 50.85 | 4833.33 | 19333.33 |
| 57 | 2030-05 | 4874.01 | 40.68 | 4833.33 | 14500.00 |
| 58 | 2030-06 | 4863.84 | 30.51 | 4833.33 | 9666.67 |
| 59 | 2030-07 | 4853.67 | 20.34 | 4833.33 | 4833.33 |
| 60 | 2030-08 | 4843.50 | 10.17 | 4833.33 | 0.00 |