长春贷款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：3690.02元
利息总额：1.14万
本息合计：22.14万
| 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 | 3690.02 | 367.50 | 3322.52 | 206677.48 |
| 2 | 2025-11 | 3690.02 | 361.69 | 3328.34 | 203349.14 |
| 3 | 2025-12 | 3690.02 | 355.86 | 3334.16 | 200014.98 |
| 4 | 2026-01 | 3690.02 | 350.03 | 3340.00 | 196674.98 |
| 5 | 2026-02 | 3690.02 | 344.18 | 3345.84 | 193329.13 |
| 6 | 2026-03 | 3690.02 | 338.33 | 3351.70 | 189977.44 |
| 7 | 2026-04 | 3690.02 | 332.46 | 3357.56 | 186619.87 |
| 8 | 2026-05 | 3690.02 | 326.58 | 3363.44 | 183256.43 |
| 9 | 2026-06 | 3690.02 | 320.70 | 3369.33 | 179887.11 |
| 10 | 2026-07 | 3690.02 | 314.80 | 3375.22 | 176511.89 |
| 11 | 2026-08 | 3690.02 | 308.90 | 3381.13 | 173130.76 |
| 12 | 2026-09 | 3690.02 | 302.98 | 3387.05 | 169743.72 |
| 13 | 2026-10 | 3690.02 | 297.05 | 3392.97 | 166350.74 |
| 14 | 2026-11 | 3690.02 | 291.11 | 3398.91 | 162951.83 |
| 15 | 2026-12 | 3690.02 | 285.17 | 3404.86 | 159546.97 |
| 16 | 2027-01 | 3690.02 | 279.21 | 3410.82 | 156136.16 |
| 17 | 2027-02 | 3690.02 | 273.24 | 3416.79 | 152719.37 |
| 18 | 2027-03 | 3690.02 | 267.26 | 3422.76 | 149296.61 |
| 19 | 2027-04 | 3690.02 | 261.27 | 3428.75 | 145867.85 |
| 20 | 2027-05 | 3690.02 | 255.27 | 3434.76 | 142433.10 |
| 21 | 2027-06 | 3690.02 | 249.26 | 3440.77 | 138992.33 |
| 22 | 2027-07 | 3690.02 | 243.24 | 3446.79 | 135545.54 |
| 23 | 2027-08 | 3690.02 | 237.20 | 3452.82 | 132092.73 |
| 24 | 2027-09 | 3690.02 | 231.16 | 3458.86 | 128633.86 |
| 25 | 2027-10 | 3690.02 | 225.11 | 3464.91 | 125168.95 |
| 26 | 2027-11 | 3690.02 | 219.05 | 3470.98 | 121697.97 |
| 27 | 2027-12 | 3690.02 | 212.97 | 3477.05 | 118220.92 |
| 28 | 2028-01 | 3690.02 | 206.89 | 3483.14 | 114737.78 |
| 29 | 2028-02 | 3690.02 | 200.79 | 3489.23 | 111248.55 |
| 30 | 2028-03 | 3690.02 | 194.68 | 3495.34 | 107753.21 |
| 31 | 2028-04 | 3690.02 | 188.57 | 3501.46 | 104251.75 |
| 32 | 2028-05 | 3690.02 | 182.44 | 3507.58 | 100744.17 |
| 33 | 2028-06 | 3690.02 | 176.30 | 3513.72 | 97230.45 |
| 34 | 2028-07 | 3690.02 | 170.15 | 3519.87 | 93710.58 |
| 35 | 2028-08 | 3690.02 | 163.99 | 3526.03 | 90184.55 |
| 36 | 2028-09 | 3690.02 | 157.82 | 3532.20 | 86652.35 |
| 37 | 2028-10 | 3690.02 | 151.64 | 3538.38 | 83113.97 |
| 38 | 2028-11 | 3690.02 | 145.45 | 3544.57 | 79569.39 |
| 39 | 2028-12 | 3690.02 | 139.25 | 3550.78 | 76018.61 |
| 40 | 2029-01 | 3690.02 | 133.03 | 3556.99 | 72461.62 |
| 41 | 2029-02 | 3690.02 | 126.81 | 3563.22 | 68898.41 |
| 42 | 2029-03 | 3690.02 | 120.57 | 3569.45 | 65328.95 |
| 43 | 2029-04 | 3690.02 | 114.33 | 3575.70 | 61753.26 |
| 44 | 2029-05 | 3690.02 | 108.07 | 3581.96 | 58171.30 |
| 45 | 2029-06 | 3690.02 | 101.80 | 3588.22 | 54583.08 |
| 46 | 2029-07 | 3690.02 | 95.52 | 3594.50 | 50988.57 |
| 47 | 2029-08 | 3690.02 | 89.23 | 3600.79 | 47387.78 |
| 48 | 2029-09 | 3690.02 | 82.93 | 3607.10 | 43780.68 |
| 49 | 2029-10 | 3690.02 | 76.62 | 3613.41 | 40167.28 |
| 50 | 2029-11 | 3690.02 | 70.29 | 3619.73 | 36547.55 |
| 51 | 2029-12 | 3690.02 | 63.96 | 3626.07 | 32921.48 |
| 52 | 2030-01 | 3690.02 | 57.61 | 3632.41 | 29289.07 |
| 53 | 2030-02 | 3690.02 | 51.26 | 3638.77 | 25650.30 |
| 54 | 2030-03 | 3690.02 | 44.89 | 3645.14 | 22005.16 |
| 55 | 2030-04 | 3690.02 | 38.51 | 3651.51 | 18353.65 |
| 56 | 2030-05 | 3690.02 | 32.12 | 3657.90 | 14695.75 |
| 57 | 2030-06 | 3690.02 | 25.72 | 3664.31 | 11031.44 |
| 58 | 2030-07 | 3690.02 | 19.31 | 3670.72 | 7360.72 |
| 59 | 2030-08 | 3690.02 | 12.88 | 3677.14 | 3683.58 |
| 60 | 2030-09 | 3690.02 | 6.45 | 3683.58 | 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：3867.5元
每月递减：6.13元
利息总额：1.12万
本息合计：22.12万
节省利息：192.68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 | 3867.50 | 367.50 | 3500.00 | 206500.00 |
| 2 | 2025-11 | 3861.38 | 361.38 | 3500.00 | 203000.00 |
| 3 | 2025-12 | 3855.25 | 355.25 | 3500.00 | 199500.00 |
| 4 | 2026-01 | 3849.13 | 349.13 | 3500.00 | 196000.00 |
| 5 | 2026-02 | 3843.00 | 343.00 | 3500.00 | 192500.00 |
| 6 | 2026-03 | 3836.88 | 336.88 | 3500.00 | 189000.00 |
| 7 | 2026-04 | 3830.75 | 330.75 | 3500.00 | 185500.00 |
| 8 | 2026-05 | 3824.63 | 324.63 | 3500.00 | 182000.00 |
| 9 | 2026-06 | 3818.50 | 318.50 | 3500.00 | 178500.00 |
| 10 | 2026-07 | 3812.38 | 312.38 | 3500.00 | 175000.00 |
| 11 | 2026-08 | 3806.25 | 306.25 | 3500.00 | 171500.00 |
| 12 | 2026-09 | 3800.13 | 300.13 | 3500.00 | 168000.00 |
| 13 | 2026-10 | 3794.00 | 294.00 | 3500.00 | 164500.00 |
| 14 | 2026-11 | 3787.88 | 287.88 | 3500.00 | 161000.00 |
| 15 | 2026-12 | 3781.75 | 281.75 | 3500.00 | 157500.00 |
| 16 | 2027-01 | 3775.63 | 275.63 | 3500.00 | 154000.00 |
| 17 | 2027-02 | 3769.50 | 269.50 | 3500.00 | 150500.00 |
| 18 | 2027-03 | 3763.38 | 263.38 | 3500.00 | 147000.00 |
| 19 | 2027-04 | 3757.25 | 257.25 | 3500.00 | 143500.00 |
| 20 | 2027-05 | 3751.13 | 251.13 | 3500.00 | 140000.00 |
| 21 | 2027-06 | 3745.00 | 245.00 | 3500.00 | 136500.00 |
| 22 | 2027-07 | 3738.88 | 238.88 | 3500.00 | 133000.00 |
| 23 | 2027-08 | 3732.75 | 232.75 | 3500.00 | 129500.00 |
| 24 | 2027-09 | 3726.63 | 226.63 | 3500.00 | 126000.00 |
| 25 | 2027-10 | 3720.50 | 220.50 | 3500.00 | 122500.00 |
| 26 | 2027-11 | 3714.38 | 214.38 | 3500.00 | 119000.00 |
| 27 | 2027-12 | 3708.25 | 208.25 | 3500.00 | 115500.00 |
| 28 | 2028-01 | 3702.13 | 202.13 | 3500.00 | 112000.00 |
| 29 | 2028-02 | 3696.00 | 196.00 | 3500.00 | 108500.00 |
| 30 | 2028-03 | 3689.88 | 189.88 | 3500.00 | 105000.00 |
| 31 | 2028-04 | 3683.75 | 183.75 | 3500.00 | 101500.00 |
| 32 | 2028-05 | 3677.63 | 177.63 | 3500.00 | 98000.00 |
| 33 | 2028-06 | 3671.50 | 171.50 | 3500.00 | 94500.00 |
| 34 | 2028-07 | 3665.38 | 165.38 | 3500.00 | 91000.00 |
| 35 | 2028-08 | 3659.25 | 159.25 | 3500.00 | 87500.00 |
| 36 | 2028-09 | 3653.13 | 153.13 | 3500.00 | 84000.00 |
| 37 | 2028-10 | 3647.00 | 147.00 | 3500.00 | 80500.00 |
| 38 | 2028-11 | 3640.88 | 140.88 | 3500.00 | 77000.00 |
| 39 | 2028-12 | 3634.75 | 134.75 | 3500.00 | 73500.00 |
| 40 | 2029-01 | 3628.63 | 128.63 | 3500.00 | 70000.00 |
| 41 | 2029-02 | 3622.50 | 122.50 | 3500.00 | 66500.00 |
| 42 | 2029-03 | 3616.38 | 116.38 | 3500.00 | 63000.00 |
| 43 | 2029-04 | 3610.25 | 110.25 | 3500.00 | 59500.00 |
| 44 | 2029-05 | 3604.13 | 104.13 | 3500.00 | 56000.00 |
| 45 | 2029-06 | 3598.00 | 98.00 | 3500.00 | 52500.00 |
| 46 | 2029-07 | 3591.88 | 91.88 | 3500.00 | 49000.00 |
| 47 | 2029-08 | 3585.75 | 85.75 | 3500.00 | 45500.00 |
| 48 | 2029-09 | 3579.63 | 79.63 | 3500.00 | 42000.00 |
| 49 | 2029-10 | 3573.50 | 73.50 | 3500.00 | 38500.00 |
| 50 | 2029-11 | 3567.38 | 67.38 | 3500.00 | 35000.00 |
| 51 | 2029-12 | 3561.25 | 61.25 | 3500.00 | 31500.00 |
| 52 | 2030-01 | 3555.13 | 55.13 | 3500.00 | 28000.00 |
| 53 | 2030-02 | 3549.00 | 49.00 | 3500.00 | 24500.00 |
| 54 | 2030-03 | 3542.88 | 42.88 | 3500.00 | 21000.00 |
| 55 | 2030-04 | 3536.75 | 36.75 | 3500.00 | 17500.00 |
| 56 | 2030-05 | 3530.63 | 30.63 | 3500.00 | 14000.00 |
| 57 | 2030-06 | 3524.50 | 24.50 | 3500.00 | 10500.00 |
| 58 | 2030-07 | 3518.38 | 18.38 | 3500.00 | 7000.00 |
| 59 | 2030-08 | 3512.25 | 12.25 | 3500.00 | 3500.00 |
| 60 | 2030-09 | 3506.13 | 6.13 | 3500.00 | 0.00 |