绍兴贷款36万（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：36万
还款月数：5年
每月还款：6508.8元
利息总额：3.05万
本息合计：39.05万
| 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 | 6508.80 | 975.00 | 5533.80 | 354466.20 |
| 2 | 2025-11 | 6508.80 | 960.01 | 5548.79 | 348917.41 |
| 3 | 2025-12 | 6508.80 | 944.98 | 5563.82 | 343353.59 |
| 4 | 2026-01 | 6508.80 | 929.92 | 5578.88 | 337774.71 |
| 5 | 2026-02 | 6508.80 | 914.81 | 5593.99 | 332180.72 |
| 6 | 2026-03 | 6508.80 | 899.66 | 5609.14 | 326571.57 |
| 7 | 2026-04 | 6508.80 | 884.46 | 5624.34 | 320947.23 |
| 8 | 2026-05 | 6508.80 | 869.23 | 5639.57 | 315307.67 |
| 9 | 2026-06 | 6508.80 | 853.96 | 5654.84 | 309652.82 |
| 10 | 2026-07 | 6508.80 | 838.64 | 5670.16 | 303982.67 |
| 11 | 2026-08 | 6508.80 | 823.29 | 5685.51 | 298297.15 |
| 12 | 2026-09 | 6508.80 | 807.89 | 5700.91 | 292596.24 |
| 13 | 2026-10 | 6508.80 | 792.45 | 5716.35 | 286879.89 |
| 14 | 2026-11 | 6508.80 | 776.97 | 5731.83 | 281148.05 |
| 15 | 2026-12 | 6508.80 | 761.44 | 5747.36 | 275400.69 |
| 16 | 2027-01 | 6508.80 | 745.88 | 5762.92 | 269637.77 |
| 17 | 2027-02 | 6508.80 | 730.27 | 5778.53 | 263859.24 |
| 18 | 2027-03 | 6508.80 | 714.62 | 5794.18 | 258065.06 |
| 19 | 2027-04 | 6508.80 | 698.93 | 5809.87 | 252255.18 |
| 20 | 2027-05 | 6508.80 | 683.19 | 5825.61 | 246429.57 |
| 21 | 2027-06 | 6508.80 | 667.41 | 5841.39 | 240588.18 |
| 22 | 2027-07 | 6508.80 | 651.59 | 5857.21 | 234730.98 |
| 23 | 2027-08 | 6508.80 | 635.73 | 5873.07 | 228857.90 |
| 24 | 2027-09 | 6508.80 | 619.82 | 5888.98 | 222968.93 |
| 25 | 2027-10 | 6508.80 | 603.87 | 5904.93 | 217064.00 |
| 26 | 2027-11 | 6508.80 | 587.88 | 5920.92 | 211143.08 |
| 27 | 2027-12 | 6508.80 | 571.85 | 5936.95 | 205206.13 |
| 28 | 2028-01 | 6508.80 | 555.77 | 5953.03 | 199253.09 |
| 29 | 2028-02 | 6508.80 | 539.64 | 5969.16 | 193283.94 |
| 30 | 2028-03 | 6508.80 | 523.48 | 5985.32 | 187298.61 |
| 31 | 2028-04 | 6508.80 | 507.27 | 6001.53 | 181297.08 |
| 32 | 2028-05 | 6508.80 | 491.01 | 6017.79 | 175279.29 |
| 33 | 2028-06 | 6508.80 | 474.71 | 6034.09 | 169245.20 |
| 34 | 2028-07 | 6508.80 | 458.37 | 6050.43 | 163194.78 |
| 35 | 2028-08 | 6508.80 | 441.99 | 6066.81 | 157127.96 |
| 36 | 2028-09 | 6508.80 | 425.55 | 6083.25 | 151044.71 |
| 37 | 2028-10 | 6508.80 | 409.08 | 6099.72 | 144944.99 |
| 38 | 2028-11 | 6508.80 | 392.56 | 6116.24 | 138828.75 |
| 39 | 2028-12 | 6508.80 | 375.99 | 6132.81 | 132695.95 |
| 40 | 2029-01 | 6508.80 | 359.38 | 6149.42 | 126546.53 |
| 41 | 2029-02 | 6508.80 | 342.73 | 6166.07 | 120380.46 |
| 42 | 2029-03 | 6508.80 | 326.03 | 6182.77 | 114197.69 |
| 43 | 2029-04 | 6508.80 | 309.29 | 6199.52 | 107998.17 |
| 44 | 2029-05 | 6508.80 | 292.50 | 6216.31 | 101781.87 |
| 45 | 2029-06 | 6508.80 | 275.66 | 6233.14 | 95548.73 |
| 46 | 2029-07 | 6508.80 | 258.78 | 6250.02 | 89298.70 |
| 47 | 2029-08 | 6508.80 | 241.85 | 6266.95 | 83031.75 |
| 48 | 2029-09 | 6508.80 | 224.88 | 6283.92 | 76747.83 |
| 49 | 2029-10 | 6508.80 | 207.86 | 6300.94 | 70446.89 |
| 50 | 2029-11 | 6508.80 | 190.79 | 6318.01 | 64128.88 |
| 51 | 2029-12 | 6508.80 | 173.68 | 6335.12 | 57793.76 |
| 52 | 2030-01 | 6508.80 | 156.52 | 6352.28 | 51441.49 |
| 53 | 2030-02 | 6508.80 | 139.32 | 6369.48 | 45072.01 |
| 54 | 2030-03 | 6508.80 | 122.07 | 6386.73 | 38685.27 |
| 55 | 2030-04 | 6508.80 | 104.77 | 6404.03 | 32281.25 |
| 56 | 2030-05 | 6508.80 | 87.43 | 6421.37 | 25859.87 |
| 57 | 2030-06 | 6508.80 | 70.04 | 6438.76 | 19421.11 |
| 58 | 2030-07 | 6508.80 | 52.60 | 6456.20 | 12964.91 |
| 59 | 2030-08 | 6508.80 | 35.11 | 6473.69 | 6491.22 |
| 60 | 2030-09 | 6508.80 | 17.58 | 6491.22 | 0.00 |
等额本金还款方式：
贷款总额：36万
还款月数：5年
首月还款：6975元
每月递减：16.25元
利息总额：2.97万
本息合计：38.97万
节省利息：790.55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 | 6975.00 | 975.00 | 6000.00 | 354000.00 |
| 2 | 2025-11 | 6958.75 | 958.75 | 6000.00 | 348000.00 |
| 3 | 2025-12 | 6942.50 | 942.50 | 6000.00 | 342000.00 |
| 4 | 2026-01 | 6926.25 | 926.25 | 6000.00 | 336000.00 |
| 5 | 2026-02 | 6910.00 | 910.00 | 6000.00 | 330000.00 |
| 6 | 2026-03 | 6893.75 | 893.75 | 6000.00 | 324000.00 |
| 7 | 2026-04 | 6877.50 | 877.50 | 6000.00 | 318000.00 |
| 8 | 2026-05 | 6861.25 | 861.25 | 6000.00 | 312000.00 |
| 9 | 2026-06 | 6845.00 | 845.00 | 6000.00 | 306000.00 |
| 10 | 2026-07 | 6828.75 | 828.75 | 6000.00 | 300000.00 |
| 11 | 2026-08 | 6812.50 | 812.50 | 6000.00 | 294000.00 |
| 12 | 2026-09 | 6796.25 | 796.25 | 6000.00 | 288000.00 |
| 13 | 2026-10 | 6780.00 | 780.00 | 6000.00 | 282000.00 |
| 14 | 2026-11 | 6763.75 | 763.75 | 6000.00 | 276000.00 |
| 15 | 2026-12 | 6747.50 | 747.50 | 6000.00 | 270000.00 |
| 16 | 2027-01 | 6731.25 | 731.25 | 6000.00 | 264000.00 |
| 17 | 2027-02 | 6715.00 | 715.00 | 6000.00 | 258000.00 |
| 18 | 2027-03 | 6698.75 | 698.75 | 6000.00 | 252000.00 |
| 19 | 2027-04 | 6682.50 | 682.50 | 6000.00 | 246000.00 |
| 20 | 2027-05 | 6666.25 | 666.25 | 6000.00 | 240000.00 |
| 21 | 2027-06 | 6650.00 | 650.00 | 6000.00 | 234000.00 |
| 22 | 2027-07 | 6633.75 | 633.75 | 6000.00 | 228000.00 |
| 23 | 2027-08 | 6617.50 | 617.50 | 6000.00 | 222000.00 |
| 24 | 2027-09 | 6601.25 | 601.25 | 6000.00 | 216000.00 |
| 25 | 2027-10 | 6585.00 | 585.00 | 6000.00 | 210000.00 |
| 26 | 2027-11 | 6568.75 | 568.75 | 6000.00 | 204000.00 |
| 27 | 2027-12 | 6552.50 | 552.50 | 6000.00 | 198000.00 |
| 28 | 2028-01 | 6536.25 | 536.25 | 6000.00 | 192000.00 |
| 29 | 2028-02 | 6520.00 | 520.00 | 6000.00 | 186000.00 |
| 30 | 2028-03 | 6503.75 | 503.75 | 6000.00 | 180000.00 |
| 31 | 2028-04 | 6487.50 | 487.50 | 6000.00 | 174000.00 |
| 32 | 2028-05 | 6471.25 | 471.25 | 6000.00 | 168000.00 |
| 33 | 2028-06 | 6455.00 | 455.00 | 6000.00 | 162000.00 |
| 34 | 2028-07 | 6438.75 | 438.75 | 6000.00 | 156000.00 |
| 35 | 2028-08 | 6422.50 | 422.50 | 6000.00 | 150000.00 |
| 36 | 2028-09 | 6406.25 | 406.25 | 6000.00 | 144000.00 |
| 37 | 2028-10 | 6390.00 | 390.00 | 6000.00 | 138000.00 |
| 38 | 2028-11 | 6373.75 | 373.75 | 6000.00 | 132000.00 |
| 39 | 2028-12 | 6357.50 | 357.50 | 6000.00 | 126000.00 |
| 40 | 2029-01 | 6341.25 | 341.25 | 6000.00 | 120000.00 |
| 41 | 2029-02 | 6325.00 | 325.00 | 6000.00 | 114000.00 |
| 42 | 2029-03 | 6308.75 | 308.75 | 6000.00 | 108000.00 |
| 43 | 2029-04 | 6292.50 | 292.50 | 6000.00 | 102000.00 |
| 44 | 2029-05 | 6276.25 | 276.25 | 6000.00 | 96000.00 |
| 45 | 2029-06 | 6260.00 | 260.00 | 6000.00 | 90000.00 |
| 46 | 2029-07 | 6243.75 | 243.75 | 6000.00 | 84000.00 |
| 47 | 2029-08 | 6227.50 | 227.50 | 6000.00 | 78000.00 |
| 48 | 2029-09 | 6211.25 | 211.25 | 6000.00 | 72000.00 |
| 49 | 2029-10 | 6195.00 | 195.00 | 6000.00 | 66000.00 |
| 50 | 2029-11 | 6178.75 | 178.75 | 6000.00 | 60000.00 |
| 51 | 2029-12 | 6162.50 | 162.50 | 6000.00 | 54000.00 |
| 52 | 2030-01 | 6146.25 | 146.25 | 6000.00 | 48000.00 |
| 53 | 2030-02 | 6130.00 | 130.00 | 6000.00 | 42000.00 |
| 54 | 2030-03 | 6113.75 | 113.75 | 6000.00 | 36000.00 |
| 55 | 2030-04 | 6097.50 | 97.50 | 6000.00 | 30000.00 |
| 56 | 2030-05 | 6081.25 | 81.25 | 6000.00 | 24000.00 |
| 57 | 2030-06 | 6065.00 | 65.00 | 6000.00 | 18000.00 |
| 58 | 2030-07 | 6048.75 | 48.75 | 6000.00 | 12000.00 |
| 59 | 2030-08 | 6032.50 | 32.50 | 6000.00 | 6000.00 |
| 60 | 2030-09 | 6016.25 | 16.25 | 6000.00 | 0.00 |