徐州贷款21万（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：21万
还款月数：5年
每月还款：3759.44元
利息总额：1.56万
本息合计：22.56万
| 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 | 3759.44 | 498.75 | 3260.69 | 206739.31 |
| 2 | 2025-09 | 3759.44 | 491.01 | 3268.44 | 203470.87 |
| 3 | 2025-10 | 3759.44 | 483.24 | 3276.20 | 200194.67 |
| 4 | 2025-11 | 3759.44 | 475.46 | 3283.98 | 196910.69 |
| 5 | 2025-12 | 3759.44 | 467.66 | 3291.78 | 193618.91 |
| 6 | 2026-01 | 3759.44 | 459.84 | 3299.60 | 190319.31 |
| 7 | 2026-02 | 3759.44 | 452.01 | 3307.43 | 187011.87 |
| 8 | 2026-03 | 3759.44 | 444.15 | 3315.29 | 183696.58 |
| 9 | 2026-04 | 3759.44 | 436.28 | 3323.16 | 180373.42 |
| 10 | 2026-05 | 3759.44 | 428.39 | 3331.06 | 177042.36 |
| 11 | 2026-06 | 3759.44 | 420.48 | 3338.97 | 173703.40 |
| 12 | 2026-07 | 3759.44 | 412.55 | 3346.90 | 170356.50 |
| 13 | 2026-08 | 3759.44 | 404.60 | 3354.85 | 167001.65 |
| 14 | 2026-09 | 3759.44 | 396.63 | 3362.81 | 163638.84 |
| 15 | 2026-10 | 3759.44 | 388.64 | 3370.80 | 160268.04 |
| 16 | 2026-11 | 3759.44 | 380.64 | 3378.81 | 156889.23 |
| 17 | 2026-12 | 3759.44 | 372.61 | 3386.83 | 153502.40 |
| 18 | 2027-01 | 3759.44 | 364.57 | 3394.88 | 150107.52 |
| 19 | 2027-02 | 3759.44 | 356.51 | 3402.94 | 146704.59 |
| 20 | 2027-03 | 3759.44 | 348.42 | 3411.02 | 143293.57 |
| 21 | 2027-04 | 3759.44 | 340.32 | 3419.12 | 139874.45 |
| 22 | 2027-05 | 3759.44 | 332.20 | 3427.24 | 136447.20 |
| 23 | 2027-06 | 3759.44 | 324.06 | 3435.38 | 133011.82 |
| 24 | 2027-07 | 3759.44 | 315.90 | 3443.54 | 129568.28 |
| 25 | 2027-08 | 3759.44 | 307.72 | 3451.72 | 126116.56 |
| 26 | 2027-09 | 3759.44 | 299.53 | 3459.92 | 122656.65 |
| 27 | 2027-10 | 3759.44 | 291.31 | 3468.13 | 119188.51 |
| 28 | 2027-11 | 3759.44 | 283.07 | 3476.37 | 115712.14 |
| 29 | 2027-12 | 3759.44 | 274.82 | 3484.63 | 112227.52 |
| 30 | 2028-01 | 3759.44 | 266.54 | 3492.90 | 108734.61 |
| 31 | 2028-02 | 3759.44 | 258.24 | 3501.20 | 105233.42 |
| 32 | 2028-03 | 3759.44 | 249.93 | 3509.51 | 101723.90 |
| 33 | 2028-04 | 3759.44 | 241.59 | 3517.85 | 98206.05 |
| 34 | 2028-05 | 3759.44 | 233.24 | 3526.20 | 94679.85 |
| 35 | 2028-06 | 3759.44 | 224.86 | 3534.58 | 91145.27 |
| 36 | 2028-07 | 3759.44 | 216.47 | 3542.97 | 87602.30 |
| 37 | 2028-08 | 3759.44 | 208.06 | 3551.39 | 84050.91 |
| 38 | 2028-09 | 3759.44 | 199.62 | 3559.82 | 80491.09 |
| 39 | 2028-10 | 3759.44 | 191.17 | 3568.28 | 76922.81 |
| 40 | 2028-11 | 3759.44 | 182.69 | 3576.75 | 73346.06 |
| 41 | 2028-12 | 3759.44 | 174.20 | 3585.25 | 69760.81 |
| 42 | 2029-01 | 3759.44 | 165.68 | 3593.76 | 66167.05 |
| 43 | 2029-02 | 3759.44 | 157.15 | 3602.30 | 62564.75 |
| 44 | 2029-03 | 3759.44 | 148.59 | 3610.85 | 58953.90 |
| 45 | 2029-04 | 3759.44 | 140.02 | 3619.43 | 55334.47 |
| 46 | 2029-05 | 3759.44 | 131.42 | 3628.02 | 51706.45 |
| 47 | 2029-06 | 3759.44 | 122.80 | 3636.64 | 48069.81 |
| 48 | 2029-07 | 3759.44 | 114.17 | 3645.28 | 44424.53 |
| 49 | 2029-08 | 3759.44 | 105.51 | 3653.93 | 40770.60 |
| 50 | 2029-09 | 3759.44 | 96.83 | 3662.61 | 37107.98 |
| 51 | 2029-10 | 3759.44 | 88.13 | 3671.31 | 33436.67 |
| 52 | 2029-11 | 3759.44 | 79.41 | 3680.03 | 29756.64 |
| 53 | 2029-12 | 3759.44 | 70.67 | 3688.77 | 26067.87 |
| 54 | 2030-01 | 3759.44 | 61.91 | 3697.53 | 22370.34 |
| 55 | 2030-02 | 3759.44 | 53.13 | 3706.31 | 18664.02 |
| 56 | 2030-03 | 3759.44 | 44.33 | 3715.12 | 14948.91 |
| 57 | 2030-04 | 3759.44 | 35.50 | 3723.94 | 11224.97 |
| 58 | 2030-05 | 3759.44 | 26.66 | 3732.78 | 7492.19 |
| 59 | 2030-06 | 3759.44 | 17.79 | 3741.65 | 3750.54 |
| 60 | 2030-07 | 3759.44 | 8.91 | 3750.54 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：5年
首月还款：3998.75元
每月递减：8.31元
利息总额：1.52万
本息合计：22.52万
节省利息：354.72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 | 3998.75 | 498.75 | 3500.00 | 206500.00 |
| 2 | 2025-09 | 3990.44 | 490.44 | 3500.00 | 203000.00 |
| 3 | 2025-10 | 3982.13 | 482.13 | 3500.00 | 199500.00 |
| 4 | 2025-11 | 3973.81 | 473.81 | 3500.00 | 196000.00 |
| 5 | 2025-12 | 3965.50 | 465.50 | 3500.00 | 192500.00 |
| 6 | 2026-01 | 3957.19 | 457.19 | 3500.00 | 189000.00 |
| 7 | 2026-02 | 3948.88 | 448.88 | 3500.00 | 185500.00 |
| 8 | 2026-03 | 3940.56 | 440.56 | 3500.00 | 182000.00 |
| 9 | 2026-04 | 3932.25 | 432.25 | 3500.00 | 178500.00 |
| 10 | 2026-05 | 3923.94 | 423.94 | 3500.00 | 175000.00 |
| 11 | 2026-06 | 3915.63 | 415.63 | 3500.00 | 171500.00 |
| 12 | 2026-07 | 3907.31 | 407.31 | 3500.00 | 168000.00 |
| 13 | 2026-08 | 3899.00 | 399.00 | 3500.00 | 164500.00 |
| 14 | 2026-09 | 3890.69 | 390.69 | 3500.00 | 161000.00 |
| 15 | 2026-10 | 3882.38 | 382.38 | 3500.00 | 157500.00 |
| 16 | 2026-11 | 3874.06 | 374.06 | 3500.00 | 154000.00 |
| 17 | 2026-12 | 3865.75 | 365.75 | 3500.00 | 150500.00 |
| 18 | 2027-01 | 3857.44 | 357.44 | 3500.00 | 147000.00 |
| 19 | 2027-02 | 3849.13 | 349.13 | 3500.00 | 143500.00 |
| 20 | 2027-03 | 3840.81 | 340.81 | 3500.00 | 140000.00 |
| 21 | 2027-04 | 3832.50 | 332.50 | 3500.00 | 136500.00 |
| 22 | 2027-05 | 3824.19 | 324.19 | 3500.00 | 133000.00 |
| 23 | 2027-06 | 3815.88 | 315.88 | 3500.00 | 129500.00 |
| 24 | 2027-07 | 3807.56 | 307.56 | 3500.00 | 126000.00 |
| 25 | 2027-08 | 3799.25 | 299.25 | 3500.00 | 122500.00 |
| 26 | 2027-09 | 3790.94 | 290.94 | 3500.00 | 119000.00 |
| 27 | 2027-10 | 3782.63 | 282.63 | 3500.00 | 115500.00 |
| 28 | 2027-11 | 3774.31 | 274.31 | 3500.00 | 112000.00 |
| 29 | 2027-12 | 3766.00 | 266.00 | 3500.00 | 108500.00 |
| 30 | 2028-01 | 3757.69 | 257.69 | 3500.00 | 105000.00 |
| 31 | 2028-02 | 3749.38 | 249.38 | 3500.00 | 101500.00 |
| 32 | 2028-03 | 3741.06 | 241.06 | 3500.00 | 98000.00 |
| 33 | 2028-04 | 3732.75 | 232.75 | 3500.00 | 94500.00 |
| 34 | 2028-05 | 3724.44 | 224.44 | 3500.00 | 91000.00 |
| 35 | 2028-06 | 3716.13 | 216.13 | 3500.00 | 87500.00 |
| 36 | 2028-07 | 3707.81 | 207.81 | 3500.00 | 84000.00 |
| 37 | 2028-08 | 3699.50 | 199.50 | 3500.00 | 80500.00 |
| 38 | 2028-09 | 3691.19 | 191.19 | 3500.00 | 77000.00 |
| 39 | 2028-10 | 3682.88 | 182.88 | 3500.00 | 73500.00 |
| 40 | 2028-11 | 3674.56 | 174.56 | 3500.00 | 70000.00 |
| 41 | 2028-12 | 3666.25 | 166.25 | 3500.00 | 66500.00 |
| 42 | 2029-01 | 3657.94 | 157.94 | 3500.00 | 63000.00 |
| 43 | 2029-02 | 3649.63 | 149.63 | 3500.00 | 59500.00 |
| 44 | 2029-03 | 3641.31 | 141.31 | 3500.00 | 56000.00 |
| 45 | 2029-04 | 3633.00 | 133.00 | 3500.00 | 52500.00 |
| 46 | 2029-05 | 3624.69 | 124.69 | 3500.00 | 49000.00 |
| 47 | 2029-06 | 3616.38 | 116.38 | 3500.00 | 45500.00 |
| 48 | 2029-07 | 3608.06 | 108.06 | 3500.00 | 42000.00 |
| 49 | 2029-08 | 3599.75 | 99.75 | 3500.00 | 38500.00 |
| 50 | 2029-09 | 3591.44 | 91.44 | 3500.00 | 35000.00 |
| 51 | 2029-10 | 3583.13 | 83.13 | 3500.00 | 31500.00 |
| 52 | 2029-11 | 3574.81 | 74.81 | 3500.00 | 28000.00 |
| 53 | 2029-12 | 3566.50 | 66.50 | 3500.00 | 24500.00 |
| 54 | 2030-01 | 3558.19 | 58.19 | 3500.00 | 21000.00 |
| 55 | 2030-02 | 3549.88 | 49.88 | 3500.00 | 17500.00 |
| 56 | 2030-03 | 3541.56 | 41.56 | 3500.00 | 14000.00 |
| 57 | 2030-04 | 3533.25 | 33.25 | 3500.00 | 10500.00 |
| 58 | 2030-05 | 3524.94 | 24.94 | 3500.00 | 7000.00 |
| 59 | 2030-06 | 3516.63 | 16.63 | 3500.00 | 3500.00 |
| 60 | 2030-07 | 3508.31 | 8.31 | 3500.00 | 0.00 |