常州贷款13万（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：13万
还款月数：5年
每月还款：2284.3元
利息总额：7058.03元
本息合计：13.71万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 2284.30 | 227.50 | 2056.80 | 127943.20 |
| 2 | 2025-11 | 2284.30 | 223.90 | 2060.40 | 125882.80 |
| 3 | 2025-12 | 2284.30 | 220.29 | 2064.01 | 123818.79 |
| 4 | 2026-01 | 2284.30 | 216.68 | 2067.62 | 121751.18 |
| 5 | 2026-02 | 2284.30 | 213.06 | 2071.24 | 119679.94 |
| 6 | 2026-03 | 2284.30 | 209.44 | 2074.86 | 117605.08 |
| 7 | 2026-04 | 2284.30 | 205.81 | 2078.49 | 115526.59 |
| 8 | 2026-05 | 2284.30 | 202.17 | 2082.13 | 113444.46 |
| 9 | 2026-06 | 2284.30 | 198.53 | 2085.77 | 111358.69 |
| 10 | 2026-07 | 2284.30 | 194.88 | 2089.42 | 109269.26 |
| 11 | 2026-08 | 2284.30 | 191.22 | 2093.08 | 107176.18 |
| 12 | 2026-09 | 2284.30 | 187.56 | 2096.74 | 105079.44 |
| 13 | 2026-10 | 2284.30 | 183.89 | 2100.41 | 102979.03 |
| 14 | 2026-11 | 2284.30 | 180.21 | 2104.09 | 100874.94 |
| 15 | 2026-12 | 2284.30 | 176.53 | 2107.77 | 98767.17 |
| 16 | 2027-01 | 2284.30 | 172.84 | 2111.46 | 96655.72 |
| 17 | 2027-02 | 2284.30 | 169.15 | 2115.15 | 94540.56 |
| 18 | 2027-03 | 2284.30 | 165.45 | 2118.85 | 92421.71 |
| 19 | 2027-04 | 2284.30 | 161.74 | 2122.56 | 90299.15 |
| 20 | 2027-05 | 2284.30 | 158.02 | 2126.28 | 88172.87 |
| 21 | 2027-06 | 2284.30 | 154.30 | 2130.00 | 86042.87 |
| 22 | 2027-07 | 2284.30 | 150.58 | 2133.73 | 83909.15 |
| 23 | 2027-08 | 2284.30 | 146.84 | 2137.46 | 81771.69 |
| 24 | 2027-09 | 2284.30 | 143.10 | 2141.20 | 79630.49 |
| 25 | 2027-10 | 2284.30 | 139.35 | 2144.95 | 77485.54 |
| 26 | 2027-11 | 2284.30 | 135.60 | 2148.70 | 75336.84 |
| 27 | 2027-12 | 2284.30 | 131.84 | 2152.46 | 73184.38 |
| 28 | 2028-01 | 2284.30 | 128.07 | 2156.23 | 71028.15 |
| 29 | 2028-02 | 2284.30 | 124.30 | 2160.00 | 68868.15 |
| 30 | 2028-03 | 2284.30 | 120.52 | 2163.78 | 66704.37 |
| 31 | 2028-04 | 2284.30 | 116.73 | 2167.57 | 64536.80 |
| 32 | 2028-05 | 2284.30 | 112.94 | 2171.36 | 62365.44 |
| 33 | 2028-06 | 2284.30 | 109.14 | 2175.16 | 60190.28 |
| 34 | 2028-07 | 2284.30 | 105.33 | 2178.97 | 58011.31 |
| 35 | 2028-08 | 2284.30 | 101.52 | 2182.78 | 55828.53 |
| 36 | 2028-09 | 2284.30 | 97.70 | 2186.60 | 53641.93 |
| 37 | 2028-10 | 2284.30 | 93.87 | 2190.43 | 51451.50 |
| 38 | 2028-11 | 2284.30 | 90.04 | 2194.26 | 49257.24 |
| 39 | 2028-12 | 2284.30 | 86.20 | 2198.10 | 47059.14 |
| 40 | 2029-01 | 2284.30 | 82.35 | 2201.95 | 44857.19 |
| 41 | 2029-02 | 2284.30 | 78.50 | 2205.80 | 42651.39 |
| 42 | 2029-03 | 2284.30 | 74.64 | 2209.66 | 40441.73 |
| 43 | 2029-04 | 2284.30 | 70.77 | 2213.53 | 38228.21 |
| 44 | 2029-05 | 2284.30 | 66.90 | 2217.40 | 36010.81 |
| 45 | 2029-06 | 2284.30 | 63.02 | 2221.28 | 33789.52 |
| 46 | 2029-07 | 2284.30 | 59.13 | 2225.17 | 31564.35 |
| 47 | 2029-08 | 2284.30 | 55.24 | 2229.06 | 29335.29 |
| 48 | 2029-09 | 2284.30 | 51.34 | 2232.96 | 27102.33 |
| 49 | 2029-10 | 2284.30 | 47.43 | 2236.87 | 24865.46 |
| 50 | 2029-11 | 2284.30 | 43.51 | 2240.79 | 22624.67 |
| 51 | 2029-12 | 2284.30 | 39.59 | 2244.71 | 20379.96 |
| 52 | 2030-01 | 2284.30 | 35.66 | 2248.64 | 18131.33 |
| 53 | 2030-02 | 2284.30 | 31.73 | 2252.57 | 15878.76 |
| 54 | 2030-03 | 2284.30 | 27.79 | 2256.51 | 13622.24 |
| 55 | 2030-04 | 2284.30 | 23.84 | 2260.46 | 11361.78 |
| 56 | 2030-05 | 2284.30 | 19.88 | 2264.42 | 9097.37 |
| 57 | 2030-06 | 2284.30 | 15.92 | 2268.38 | 6828.99 |
| 58 | 2030-07 | 2284.30 | 11.95 | 2272.35 | 4556.64 |
| 59 | 2030-08 | 2284.30 | 7.97 | 2276.33 | 2280.31 |
| 60 | 2030-09 | 2284.30 | 3.99 | 2280.31 | 0.00 |
等额本金还款方式：
贷款总额：13万
还款月数：5年
首月还款：2394.17元
每月递减：3.79元
利息总额：6938.75元
本息合计：13.69万
节省利息：119.28元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 2394.17 | 227.50 | 2166.67 | 127833.33 |
| 2 | 2025-11 | 2390.38 | 223.71 | 2166.67 | 125666.67 |
| 3 | 2025-12 | 2386.58 | 219.92 | 2166.67 | 123500.00 |
| 4 | 2026-01 | 2382.79 | 216.13 | 2166.67 | 121333.33 |
| 5 | 2026-02 | 2379.00 | 212.33 | 2166.67 | 119166.67 |
| 6 | 2026-03 | 2375.21 | 208.54 | 2166.67 | 117000.00 |
| 7 | 2026-04 | 2371.42 | 204.75 | 2166.67 | 114833.33 |
| 8 | 2026-05 | 2367.63 | 200.96 | 2166.67 | 112666.67 |
| 9 | 2026-06 | 2363.83 | 197.17 | 2166.67 | 110500.00 |
| 10 | 2026-07 | 2360.04 | 193.38 | 2166.67 | 108333.33 |
| 11 | 2026-08 | 2356.25 | 189.58 | 2166.67 | 106166.67 |
| 12 | 2026-09 | 2352.46 | 185.79 | 2166.67 | 104000.00 |
| 13 | 2026-10 | 2348.67 | 182.00 | 2166.67 | 101833.33 |
| 14 | 2026-11 | 2344.88 | 178.21 | 2166.67 | 99666.67 |
| 15 | 2026-12 | 2341.08 | 174.42 | 2166.67 | 97500.00 |
| 16 | 2027-01 | 2337.29 | 170.63 | 2166.67 | 95333.33 |
| 17 | 2027-02 | 2333.50 | 166.83 | 2166.67 | 93166.67 |
| 18 | 2027-03 | 2329.71 | 163.04 | 2166.67 | 91000.00 |
| 19 | 2027-04 | 2325.92 | 159.25 | 2166.67 | 88833.33 |
| 20 | 2027-05 | 2322.13 | 155.46 | 2166.67 | 86666.67 |
| 21 | 2027-06 | 2318.33 | 151.67 | 2166.67 | 84500.00 |
| 22 | 2027-07 | 2314.54 | 147.88 | 2166.67 | 82333.33 |
| 23 | 2027-08 | 2310.75 | 144.08 | 2166.67 | 80166.67 |
| 24 | 2027-09 | 2306.96 | 140.29 | 2166.67 | 78000.00 |
| 25 | 2027-10 | 2303.17 | 136.50 | 2166.67 | 75833.33 |
| 26 | 2027-11 | 2299.38 | 132.71 | 2166.67 | 73666.67 |
| 27 | 2027-12 | 2295.58 | 128.92 | 2166.67 | 71500.00 |
| 28 | 2028-01 | 2291.79 | 125.13 | 2166.67 | 69333.33 |
| 29 | 2028-02 | 2288.00 | 121.33 | 2166.67 | 67166.67 |
| 30 | 2028-03 | 2284.21 | 117.54 | 2166.67 | 65000.00 |
| 31 | 2028-04 | 2280.42 | 113.75 | 2166.67 | 62833.33 |
| 32 | 2028-05 | 2276.63 | 109.96 | 2166.67 | 60666.67 |
| 33 | 2028-06 | 2272.83 | 106.17 | 2166.67 | 58500.00 |
| 34 | 2028-07 | 2269.04 | 102.38 | 2166.67 | 56333.33 |
| 35 | 2028-08 | 2265.25 | 98.58 | 2166.67 | 54166.67 |
| 36 | 2028-09 | 2261.46 | 94.79 | 2166.67 | 52000.00 |
| 37 | 2028-10 | 2257.67 | 91.00 | 2166.67 | 49833.33 |
| 38 | 2028-11 | 2253.88 | 87.21 | 2166.67 | 47666.67 |
| 39 | 2028-12 | 2250.08 | 83.42 | 2166.67 | 45500.00 |
| 40 | 2029-01 | 2246.29 | 79.63 | 2166.67 | 43333.33 |
| 41 | 2029-02 | 2242.50 | 75.83 | 2166.67 | 41166.67 |
| 42 | 2029-03 | 2238.71 | 72.04 | 2166.67 | 39000.00 |
| 43 | 2029-04 | 2234.92 | 68.25 | 2166.67 | 36833.33 |
| 44 | 2029-05 | 2231.13 | 64.46 | 2166.67 | 34666.67 |
| 45 | 2029-06 | 2227.33 | 60.67 | 2166.67 | 32500.00 |
| 46 | 2029-07 | 2223.54 | 56.88 | 2166.67 | 30333.33 |
| 47 | 2029-08 | 2219.75 | 53.08 | 2166.67 | 28166.67 |
| 48 | 2029-09 | 2215.96 | 49.29 | 2166.67 | 26000.00 |
| 49 | 2029-10 | 2212.17 | 45.50 | 2166.67 | 23833.33 |
| 50 | 2029-11 | 2208.38 | 41.71 | 2166.67 | 21666.67 |
| 51 | 2029-12 | 2204.58 | 37.92 | 2166.67 | 19500.00 |
| 52 | 2030-01 | 2200.79 | 34.13 | 2166.67 | 17333.33 |
| 53 | 2030-02 | 2197.00 | 30.33 | 2166.67 | 15166.67 |
| 54 | 2030-03 | 2193.21 | 26.54 | 2166.67 | 13000.00 |
| 55 | 2030-04 | 2189.42 | 22.75 | 2166.67 | 10833.33 |
| 56 | 2030-05 | 2185.63 | 18.96 | 2166.67 | 8666.67 |
| 57 | 2030-06 | 2181.83 | 15.17 | 2166.67 | 6500.00 |
| 58 | 2030-07 | 2178.04 | 11.38 | 2166.67 | 4333.33 |
| 59 | 2030-08 | 2174.25 | 7.58 | 2166.67 | 2166.67 |
| 60 | 2030-09 | 2170.46 | 3.79 | 2166.67 | 0.00 |