大连贷款30万（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：30万
还款月数：5年
每月还款：5271.46元
利息总额：1.63万
本息合计：31.63万
| 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 | 5271.46 | 525.00 | 4746.46 | 295253.54 |
| 2 | 2025-11 | 5271.46 | 516.69 | 4754.77 | 290498.77 |
| 3 | 2025-12 | 5271.46 | 508.37 | 4763.09 | 285735.68 |
| 4 | 2026-01 | 5271.46 | 500.04 | 4771.43 | 280964.25 |
| 5 | 2026-02 | 5271.46 | 491.69 | 4779.78 | 276184.48 |
| 6 | 2026-03 | 5271.46 | 483.32 | 4788.14 | 271396.34 |
| 7 | 2026-04 | 5271.46 | 474.94 | 4796.52 | 266599.82 |
| 8 | 2026-05 | 5271.46 | 466.55 | 4804.91 | 261794.91 |
| 9 | 2026-06 | 5271.46 | 458.14 | 4813.32 | 256981.59 |
| 10 | 2026-07 | 5271.46 | 449.72 | 4821.74 | 252159.84 |
| 11 | 2026-08 | 5271.46 | 441.28 | 4830.18 | 247329.66 |
| 12 | 2026-09 | 5271.46 | 432.83 | 4838.64 | 242491.02 |
| 13 | 2026-10 | 5271.46 | 424.36 | 4847.10 | 237643.92 |
| 14 | 2026-11 | 5271.46 | 415.88 | 4855.59 | 232788.33 |
| 15 | 2026-12 | 5271.46 | 407.38 | 4864.08 | 227924.25 |
| 16 | 2027-01 | 5271.46 | 398.87 | 4872.60 | 223051.65 |
| 17 | 2027-02 | 5271.46 | 390.34 | 4881.12 | 218170.53 |
| 18 | 2027-03 | 5271.46 | 381.80 | 4889.66 | 213280.87 |
| 19 | 2027-04 | 5271.46 | 373.24 | 4898.22 | 208382.65 |
| 20 | 2027-05 | 5271.46 | 364.67 | 4906.79 | 203475.85 |
| 21 | 2027-06 | 5271.46 | 356.08 | 4915.38 | 198560.47 |
| 22 | 2027-07 | 5271.46 | 347.48 | 4923.98 | 193636.49 |
| 23 | 2027-08 | 5271.46 | 338.86 | 4932.60 | 188703.89 |
| 24 | 2027-09 | 5271.46 | 330.23 | 4941.23 | 183762.66 |
| 25 | 2027-10 | 5271.46 | 321.58 | 4949.88 | 178812.78 |
| 26 | 2027-11 | 5271.46 | 312.92 | 4958.54 | 173854.24 |
| 27 | 2027-12 | 5271.46 | 304.24 | 4967.22 | 168887.03 |
| 28 | 2028-01 | 5271.46 | 295.55 | 4975.91 | 163911.12 |
| 29 | 2028-02 | 5271.46 | 286.84 | 4984.62 | 158926.50 |
| 30 | 2028-03 | 5271.46 | 278.12 | 4993.34 | 153933.16 |
| 31 | 2028-04 | 5271.46 | 269.38 | 5002.08 | 148931.08 |
| 32 | 2028-05 | 5271.46 | 260.63 | 5010.83 | 143920.24 |
| 33 | 2028-06 | 5271.46 | 251.86 | 5019.60 | 138900.64 |
| 34 | 2028-07 | 5271.46 | 243.08 | 5028.39 | 133872.26 |
| 35 | 2028-08 | 5271.46 | 234.28 | 5037.19 | 128835.07 |
| 36 | 2028-09 | 5271.46 | 225.46 | 5046.00 | 123789.07 |
| 37 | 2028-10 | 5271.46 | 216.63 | 5054.83 | 118734.24 |
| 38 | 2028-11 | 5271.46 | 207.78 | 5063.68 | 113670.56 |
| 39 | 2028-12 | 5271.46 | 198.92 | 5072.54 | 108598.02 |
| 40 | 2029-01 | 5271.46 | 190.05 | 5081.42 | 103516.60 |
| 41 | 2029-02 | 5271.46 | 181.15 | 5090.31 | 98426.29 |
| 42 | 2029-03 | 5271.46 | 172.25 | 5099.22 | 93327.08 |
| 43 | 2029-04 | 5271.46 | 163.32 | 5108.14 | 88218.94 |
| 44 | 2029-05 | 5271.46 | 154.38 | 5117.08 | 83101.86 |
| 45 | 2029-06 | 5271.46 | 145.43 | 5126.03 | 77975.82 |
| 46 | 2029-07 | 5271.46 | 136.46 | 5135.00 | 72840.82 |
| 47 | 2029-08 | 5271.46 | 127.47 | 5143.99 | 67696.83 |
| 48 | 2029-09 | 5271.46 | 118.47 | 5152.99 | 62543.83 |
| 49 | 2029-10 | 5271.46 | 109.45 | 5162.01 | 57381.82 |
| 50 | 2029-11 | 5271.46 | 100.42 | 5171.04 | 52210.78 |
| 51 | 2029-12 | 5271.46 | 91.37 | 5180.09 | 47030.69 |
| 52 | 2030-01 | 5271.46 | 82.30 | 5189.16 | 41841.53 |
| 53 | 2030-02 | 5271.46 | 73.22 | 5198.24 | 36643.29 |
| 54 | 2030-03 | 5271.46 | 64.13 | 5207.34 | 31435.95 |
| 55 | 2030-04 | 5271.46 | 55.01 | 5216.45 | 26219.50 |
| 56 | 2030-05 | 5271.46 | 45.88 | 5225.58 | 20993.92 |
| 57 | 2030-06 | 5271.46 | 36.74 | 5234.72 | 15759.20 |
| 58 | 2030-07 | 5271.46 | 27.58 | 5243.88 | 10515.31 |
| 59 | 2030-08 | 5271.46 | 18.40 | 5253.06 | 5262.25 |
| 60 | 2030-09 | 5271.46 | 9.21 | 5262.25 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：5年
首月还款：5525元
每月递减：8.75元
利息总额：1.6万
本息合计：31.6万
节省利息：275.26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 | 5525.00 | 525.00 | 5000.00 | 295000.00 |
| 2 | 2025-11 | 5516.25 | 516.25 | 5000.00 | 290000.00 |
| 3 | 2025-12 | 5507.50 | 507.50 | 5000.00 | 285000.00 |
| 4 | 2026-01 | 5498.75 | 498.75 | 5000.00 | 280000.00 |
| 5 | 2026-02 | 5490.00 | 490.00 | 5000.00 | 275000.00 |
| 6 | 2026-03 | 5481.25 | 481.25 | 5000.00 | 270000.00 |
| 7 | 2026-04 | 5472.50 | 472.50 | 5000.00 | 265000.00 |
| 8 | 2026-05 | 5463.75 | 463.75 | 5000.00 | 260000.00 |
| 9 | 2026-06 | 5455.00 | 455.00 | 5000.00 | 255000.00 |
| 10 | 2026-07 | 5446.25 | 446.25 | 5000.00 | 250000.00 |
| 11 | 2026-08 | 5437.50 | 437.50 | 5000.00 | 245000.00 |
| 12 | 2026-09 | 5428.75 | 428.75 | 5000.00 | 240000.00 |
| 13 | 2026-10 | 5420.00 | 420.00 | 5000.00 | 235000.00 |
| 14 | 2026-11 | 5411.25 | 411.25 | 5000.00 | 230000.00 |
| 15 | 2026-12 | 5402.50 | 402.50 | 5000.00 | 225000.00 |
| 16 | 2027-01 | 5393.75 | 393.75 | 5000.00 | 220000.00 |
| 17 | 2027-02 | 5385.00 | 385.00 | 5000.00 | 215000.00 |
| 18 | 2027-03 | 5376.25 | 376.25 | 5000.00 | 210000.00 |
| 19 | 2027-04 | 5367.50 | 367.50 | 5000.00 | 205000.00 |
| 20 | 2027-05 | 5358.75 | 358.75 | 5000.00 | 200000.00 |
| 21 | 2027-06 | 5350.00 | 350.00 | 5000.00 | 195000.00 |
| 22 | 2027-07 | 5341.25 | 341.25 | 5000.00 | 190000.00 |
| 23 | 2027-08 | 5332.50 | 332.50 | 5000.00 | 185000.00 |
| 24 | 2027-09 | 5323.75 | 323.75 | 5000.00 | 180000.00 |
| 25 | 2027-10 | 5315.00 | 315.00 | 5000.00 | 175000.00 |
| 26 | 2027-11 | 5306.25 | 306.25 | 5000.00 | 170000.00 |
| 27 | 2027-12 | 5297.50 | 297.50 | 5000.00 | 165000.00 |
| 28 | 2028-01 | 5288.75 | 288.75 | 5000.00 | 160000.00 |
| 29 | 2028-02 | 5280.00 | 280.00 | 5000.00 | 155000.00 |
| 30 | 2028-03 | 5271.25 | 271.25 | 5000.00 | 150000.00 |
| 31 | 2028-04 | 5262.50 | 262.50 | 5000.00 | 145000.00 |
| 32 | 2028-05 | 5253.75 | 253.75 | 5000.00 | 140000.00 |
| 33 | 2028-06 | 5245.00 | 245.00 | 5000.00 | 135000.00 |
| 34 | 2028-07 | 5236.25 | 236.25 | 5000.00 | 130000.00 |
| 35 | 2028-08 | 5227.50 | 227.50 | 5000.00 | 125000.00 |
| 36 | 2028-09 | 5218.75 | 218.75 | 5000.00 | 120000.00 |
| 37 | 2028-10 | 5210.00 | 210.00 | 5000.00 | 115000.00 |
| 38 | 2028-11 | 5201.25 | 201.25 | 5000.00 | 110000.00 |
| 39 | 2028-12 | 5192.50 | 192.50 | 5000.00 | 105000.00 |
| 40 | 2029-01 | 5183.75 | 183.75 | 5000.00 | 100000.00 |
| 41 | 2029-02 | 5175.00 | 175.00 | 5000.00 | 95000.00 |
| 42 | 2029-03 | 5166.25 | 166.25 | 5000.00 | 90000.00 |
| 43 | 2029-04 | 5157.50 | 157.50 | 5000.00 | 85000.00 |
| 44 | 2029-05 | 5148.75 | 148.75 | 5000.00 | 80000.00 |
| 45 | 2029-06 | 5140.00 | 140.00 | 5000.00 | 75000.00 |
| 46 | 2029-07 | 5131.25 | 131.25 | 5000.00 | 70000.00 |
| 47 | 2029-08 | 5122.50 | 122.50 | 5000.00 | 65000.00 |
| 48 | 2029-09 | 5113.75 | 113.75 | 5000.00 | 60000.00 |
| 49 | 2029-10 | 5105.00 | 105.00 | 5000.00 | 55000.00 |
| 50 | 2029-11 | 5096.25 | 96.25 | 5000.00 | 50000.00 |
| 51 | 2029-12 | 5087.50 | 87.50 | 5000.00 | 45000.00 |
| 52 | 2030-01 | 5078.75 | 78.75 | 5000.00 | 40000.00 |
| 53 | 2030-02 | 5070.00 | 70.00 | 5000.00 | 35000.00 |
| 54 | 2030-03 | 5061.25 | 61.25 | 5000.00 | 30000.00 |
| 55 | 2030-04 | 5052.50 | 52.50 | 5000.00 | 25000.00 |
| 56 | 2030-05 | 5043.75 | 43.75 | 5000.00 | 20000.00 |
| 57 | 2030-06 | 5035.00 | 35.00 | 5000.00 | 15000.00 |
| 58 | 2030-07 | 5026.25 | 26.25 | 5000.00 | 10000.00 |
| 59 | 2030-08 | 5017.50 | 17.50 | 5000.00 | 5000.00 |
| 60 | 2030-09 | 5008.75 | 8.75 | 5000.00 | 0.00 |