梅州贷款28万（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：28万
还款月数：5年
每月还款：5062.4元
利息总额：2.37万
本息合计：30.37万
| 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 | 5062.40 | 758.33 | 4304.07 | 275695.93 |
| 2 | 2025-10 | 5062.40 | 746.68 | 4315.72 | 271380.21 |
| 3 | 2025-11 | 5062.40 | 734.99 | 4327.41 | 267052.80 |
| 4 | 2025-12 | 5062.40 | 723.27 | 4339.13 | 262713.66 |
| 5 | 2026-01 | 5062.40 | 711.52 | 4350.88 | 258362.78 |
| 6 | 2026-02 | 5062.40 | 699.73 | 4362.67 | 254000.11 |
| 7 | 2026-03 | 5062.40 | 687.92 | 4374.48 | 249625.63 |
| 8 | 2026-04 | 5062.40 | 676.07 | 4386.33 | 245239.30 |
| 9 | 2026-05 | 5062.40 | 664.19 | 4398.21 | 240841.08 |
| 10 | 2026-06 | 5062.40 | 652.28 | 4410.12 | 236430.96 |
| 11 | 2026-07 | 5062.40 | 640.33 | 4422.07 | 232008.90 |
| 12 | 2026-08 | 5062.40 | 628.36 | 4434.04 | 227574.85 |
| 13 | 2026-09 | 5062.40 | 616.35 | 4446.05 | 223128.80 |
| 14 | 2026-10 | 5062.40 | 604.31 | 4458.09 | 218670.71 |
| 15 | 2026-11 | 5062.40 | 592.23 | 4470.17 | 214200.54 |
| 16 | 2026-12 | 5062.40 | 580.13 | 4482.27 | 209718.26 |
| 17 | 2027-01 | 5062.40 | 567.99 | 4494.41 | 205223.85 |
| 18 | 2027-02 | 5062.40 | 555.81 | 4506.59 | 200717.27 |
| 19 | 2027-03 | 5062.40 | 543.61 | 4518.79 | 196198.47 |
| 20 | 2027-04 | 5062.40 | 531.37 | 4531.03 | 191667.44 |
| 21 | 2027-05 | 5062.40 | 519.10 | 4543.30 | 187124.14 |
| 22 | 2027-06 | 5062.40 | 506.79 | 4555.61 | 182568.54 |
| 23 | 2027-07 | 5062.40 | 494.46 | 4567.94 | 178000.59 |
| 24 | 2027-08 | 5062.40 | 482.08 | 4580.32 | 173420.28 |
| 25 | 2027-09 | 5062.40 | 469.68 | 4592.72 | 168827.56 |
| 26 | 2027-10 | 5062.40 | 457.24 | 4605.16 | 164222.40 |
| 27 | 2027-11 | 5062.40 | 444.77 | 4617.63 | 159604.76 |
| 28 | 2027-12 | 5062.40 | 432.26 | 4630.14 | 154974.63 |
| 29 | 2028-01 | 5062.40 | 419.72 | 4642.68 | 150331.95 |
| 30 | 2028-02 | 5062.40 | 407.15 | 4655.25 | 145676.70 |
| 31 | 2028-03 | 5062.40 | 394.54 | 4667.86 | 141008.84 |
| 32 | 2028-04 | 5062.40 | 381.90 | 4680.50 | 136328.34 |
| 33 | 2028-05 | 5062.40 | 369.22 | 4693.18 | 131635.16 |
| 34 | 2028-06 | 5062.40 | 356.51 | 4705.89 | 126929.27 |
| 35 | 2028-07 | 5062.40 | 343.77 | 4718.63 | 122210.64 |
| 36 | 2028-08 | 5062.40 | 330.99 | 4731.41 | 117479.22 |
| 37 | 2028-09 | 5062.40 | 318.17 | 4744.23 | 112734.99 |
| 38 | 2028-10 | 5062.40 | 305.32 | 4757.08 | 107977.92 |
| 39 | 2028-11 | 5062.40 | 292.44 | 4769.96 | 103207.96 |
| 40 | 2028-12 | 5062.40 | 279.52 | 4782.88 | 98425.08 |
| 41 | 2029-01 | 5062.40 | 266.57 | 4795.83 | 93629.25 |
| 42 | 2029-02 | 5062.40 | 253.58 | 4808.82 | 88820.42 |
| 43 | 2029-03 | 5062.40 | 240.56 | 4821.85 | 83998.58 |
| 44 | 2029-04 | 5062.40 | 227.50 | 4834.90 | 79163.67 |
| 45 | 2029-05 | 5062.40 | 214.40 | 4848.00 | 74315.68 |
| 46 | 2029-06 | 5062.40 | 201.27 | 4861.13 | 69454.55 |
| 47 | 2029-07 | 5062.40 | 188.11 | 4874.29 | 64580.25 |
| 48 | 2029-08 | 5062.40 | 174.90 | 4887.50 | 59692.76 |
| 49 | 2029-09 | 5062.40 | 161.67 | 4900.73 | 54792.02 |
| 50 | 2029-10 | 5062.40 | 148.40 | 4914.01 | 49878.02 |
| 51 | 2029-11 | 5062.40 | 135.09 | 4927.31 | 44950.70 |
| 52 | 2029-12 | 5062.40 | 121.74 | 4940.66 | 40010.04 |
| 53 | 2030-01 | 5062.40 | 108.36 | 4954.04 | 35056.00 |
| 54 | 2030-02 | 5062.40 | 94.94 | 4967.46 | 30088.55 |
| 55 | 2030-03 | 5062.40 | 81.49 | 4980.91 | 25107.64 |
| 56 | 2030-04 | 5062.40 | 68.00 | 4994.40 | 20113.24 |
| 57 | 2030-05 | 5062.40 | 54.47 | 5007.93 | 15105.31 |
| 58 | 2030-06 | 5062.40 | 40.91 | 5021.49 | 10083.82 |
| 59 | 2030-07 | 5062.40 | 27.31 | 5035.09 | 5048.73 |
| 60 | 2030-08 | 5062.40 | 13.67 | 5048.73 | 0.00 |
等额本金还款方式：
贷款总额：28万
还款月数：5年
首月还款：5425元
每月递减：12.64元
利息总额：2.31万
本息合计：30.31万
节省利息：614.87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 | 5425.00 | 758.33 | 4666.67 | 275333.33 |
| 2 | 2025-10 | 5412.36 | 745.69 | 4666.67 | 270666.67 |
| 3 | 2025-11 | 5399.72 | 733.06 | 4666.67 | 266000.00 |
| 4 | 2025-12 | 5387.08 | 720.42 | 4666.67 | 261333.33 |
| 5 | 2026-01 | 5374.44 | 707.78 | 4666.67 | 256666.67 |
| 6 | 2026-02 | 5361.81 | 695.14 | 4666.67 | 252000.00 |
| 7 | 2026-03 | 5349.17 | 682.50 | 4666.67 | 247333.33 |
| 8 | 2026-04 | 5336.53 | 669.86 | 4666.67 | 242666.67 |
| 9 | 2026-05 | 5323.89 | 657.22 | 4666.67 | 238000.00 |
| 10 | 2026-06 | 5311.25 | 644.58 | 4666.67 | 233333.33 |
| 11 | 2026-07 | 5298.61 | 631.94 | 4666.67 | 228666.67 |
| 12 | 2026-08 | 5285.97 | 619.31 | 4666.67 | 224000.00 |
| 13 | 2026-09 | 5273.33 | 606.67 | 4666.67 | 219333.33 |
| 14 | 2026-10 | 5260.69 | 594.03 | 4666.67 | 214666.67 |
| 15 | 2026-11 | 5248.06 | 581.39 | 4666.67 | 210000.00 |
| 16 | 2026-12 | 5235.42 | 568.75 | 4666.67 | 205333.33 |
| 17 | 2027-01 | 5222.78 | 556.11 | 4666.67 | 200666.67 |
| 18 | 2027-02 | 5210.14 | 543.47 | 4666.67 | 196000.00 |
| 19 | 2027-03 | 5197.50 | 530.83 | 4666.67 | 191333.33 |
| 20 | 2027-04 | 5184.86 | 518.19 | 4666.67 | 186666.67 |
| 21 | 2027-05 | 5172.22 | 505.56 | 4666.67 | 182000.00 |
| 22 | 2027-06 | 5159.58 | 492.92 | 4666.67 | 177333.33 |
| 23 | 2027-07 | 5146.94 | 480.28 | 4666.67 | 172666.67 |
| 24 | 2027-08 | 5134.31 | 467.64 | 4666.67 | 168000.00 |
| 25 | 2027-09 | 5121.67 | 455.00 | 4666.67 | 163333.33 |
| 26 | 2027-10 | 5109.03 | 442.36 | 4666.67 | 158666.67 |
| 27 | 2027-11 | 5096.39 | 429.72 | 4666.67 | 154000.00 |
| 28 | 2027-12 | 5083.75 | 417.08 | 4666.67 | 149333.33 |
| 29 | 2028-01 | 5071.11 | 404.44 | 4666.67 | 144666.67 |
| 30 | 2028-02 | 5058.47 | 391.81 | 4666.67 | 140000.00 |
| 31 | 2028-03 | 5045.83 | 379.17 | 4666.67 | 135333.33 |
| 32 | 2028-04 | 5033.19 | 366.53 | 4666.67 | 130666.67 |
| 33 | 2028-05 | 5020.56 | 353.89 | 4666.67 | 126000.00 |
| 34 | 2028-06 | 5007.92 | 341.25 | 4666.67 | 121333.33 |
| 35 | 2028-07 | 4995.28 | 328.61 | 4666.67 | 116666.67 |
| 36 | 2028-08 | 4982.64 | 315.97 | 4666.67 | 112000.00 |
| 37 | 2028-09 | 4970.00 | 303.33 | 4666.67 | 107333.33 |
| 38 | 2028-10 | 4957.36 | 290.69 | 4666.67 | 102666.67 |
| 39 | 2028-11 | 4944.72 | 278.06 | 4666.67 | 98000.00 |
| 40 | 2028-12 | 4932.08 | 265.42 | 4666.67 | 93333.33 |
| 41 | 2029-01 | 4919.44 | 252.78 | 4666.67 | 88666.67 |
| 42 | 2029-02 | 4906.81 | 240.14 | 4666.67 | 84000.00 |
| 43 | 2029-03 | 4894.17 | 227.50 | 4666.67 | 79333.33 |
| 44 | 2029-04 | 4881.53 | 214.86 | 4666.67 | 74666.67 |
| 45 | 2029-05 | 4868.89 | 202.22 | 4666.67 | 70000.00 |
| 46 | 2029-06 | 4856.25 | 189.58 | 4666.67 | 65333.33 |
| 47 | 2029-07 | 4843.61 | 176.94 | 4666.67 | 60666.67 |
| 48 | 2029-08 | 4830.97 | 164.31 | 4666.67 | 56000.00 |
| 49 | 2029-09 | 4818.33 | 151.67 | 4666.67 | 51333.33 |
| 50 | 2029-10 | 4805.69 | 139.03 | 4666.67 | 46666.67 |
| 51 | 2029-11 | 4793.06 | 126.39 | 4666.67 | 42000.00 |
| 52 | 2029-12 | 4780.42 | 113.75 | 4666.67 | 37333.33 |
| 53 | 2030-01 | 4767.78 | 101.11 | 4666.67 | 32666.67 |
| 54 | 2030-02 | 4755.14 | 88.47 | 4666.67 | 28000.00 |
| 55 | 2030-03 | 4742.50 | 75.83 | 4666.67 | 23333.33 |
| 56 | 2030-04 | 4729.86 | 63.19 | 4666.67 | 18666.67 |
| 57 | 2030-05 | 4717.22 | 50.56 | 4666.67 | 14000.00 |
| 58 | 2030-06 | 4704.58 | 37.92 | 4666.67 | 9333.33 |
| 59 | 2030-07 | 4691.94 | 25.28 | 4666.67 | 4666.67 |
| 60 | 2030-08 | 4679.31 | 12.64 | 4666.67 | 0.00 |