贷款30.81万（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：30.81万
还款月数：5年
每月还款：5482.38元
利息总额：2.08万
本息合计：32.89万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 5482.38 | 667.65 | 4814.73 | 303331.59 |
| 2 | 2026-02 | 5482.38 | 657.22 | 4825.16 | 298506.42 |
| 3 | 2026-03 | 5482.38 | 646.76 | 4835.62 | 293670.81 |
| 4 | 2026-04 | 5482.38 | 636.29 | 4846.10 | 288824.71 |
| 5 | 2026-05 | 5482.38 | 625.79 | 4856.60 | 283968.12 |
| 6 | 2026-06 | 5482.38 | 615.26 | 4867.12 | 279101.00 |
| 7 | 2026-07 | 5482.38 | 604.72 | 4877.66 | 274223.34 |
| 8 | 2026-08 | 5482.38 | 594.15 | 4888.23 | 269335.10 |
| 9 | 2026-09 | 5482.38 | 583.56 | 4898.82 | 264436.28 |
| 10 | 2026-10 | 5482.38 | 572.95 | 4909.44 | 259526.85 |
| 11 | 2026-11 | 5482.38 | 562.31 | 4920.07 | 254606.77 |
| 12 | 2026-12 | 5482.38 | 551.65 | 4930.73 | 249676.04 |
| 13 | 2027-01 | 5482.38 | 540.96 | 4941.42 | 244734.62 |
| 14 | 2027-02 | 5482.38 | 530.26 | 4952.12 | 239782.50 |
| 15 | 2027-03 | 5482.38 | 519.53 | 4962.85 | 234819.64 |
| 16 | 2027-04 | 5482.38 | 508.78 | 4973.61 | 229846.04 |
| 17 | 2027-05 | 5482.38 | 498.00 | 4984.38 | 224861.66 |
| 18 | 2027-06 | 5482.38 | 487.20 | 4995.18 | 219866.47 |
| 19 | 2027-07 | 5482.38 | 476.38 | 5006.00 | 214860.47 |
| 20 | 2027-08 | 5482.38 | 465.53 | 5016.85 | 209843.62 |
| 21 | 2027-09 | 5482.38 | 454.66 | 5027.72 | 204815.90 |
| 22 | 2027-10 | 5482.38 | 443.77 | 5038.61 | 199777.28 |
| 23 | 2027-11 | 5482.38 | 432.85 | 5049.53 | 194727.75 |
| 24 | 2027-12 | 5482.38 | 421.91 | 5060.47 | 189667.28 |
| 25 | 2028-01 | 5482.38 | 410.95 | 5071.44 | 184595.84 |
| 26 | 2028-02 | 5482.38 | 399.96 | 5082.42 | 179513.42 |
| 27 | 2028-03 | 5482.38 | 388.95 | 5093.44 | 174419.98 |
| 28 | 2028-04 | 5482.38 | 377.91 | 5104.47 | 169315.51 |
| 29 | 2028-05 | 5482.38 | 366.85 | 5115.53 | 164199.98 |
| 30 | 2028-06 | 5482.38 | 355.77 | 5126.62 | 159073.36 |
| 31 | 2028-07 | 5482.38 | 344.66 | 5137.72 | 153935.64 |
| 32 | 2028-08 | 5482.38 | 333.53 | 5148.85 | 148786.79 |
| 33 | 2028-09 | 5482.38 | 322.37 | 5160.01 | 143626.78 |
| 34 | 2028-10 | 5482.38 | 311.19 | 5171.19 | 138455.59 |
| 35 | 2028-11 | 5482.38 | 299.99 | 5182.39 | 133273.19 |
| 36 | 2028-12 | 5482.38 | 288.76 | 5193.62 | 128079.57 |
| 37 | 2029-01 | 5482.38 | 277.51 | 5204.88 | 122874.69 |
| 38 | 2029-02 | 5482.38 | 266.23 | 5216.15 | 117658.54 |
| 39 | 2029-03 | 5482.38 | 254.93 | 5227.46 | 112431.08 |
| 40 | 2029-04 | 5482.38 | 243.60 | 5238.78 | 107192.30 |
| 41 | 2029-05 | 5482.38 | 232.25 | 5250.13 | 101942.17 |
| 42 | 2029-06 | 5482.38 | 220.87 | 5261.51 | 96680.66 |
| 43 | 2029-07 | 5482.38 | 209.47 | 5272.91 | 91407.75 |
| 44 | 2029-08 | 5482.38 | 198.05 | 5284.33 | 86123.42 |
| 45 | 2029-09 | 5482.38 | 186.60 | 5295.78 | 80827.64 |
| 46 | 2029-10 | 5482.38 | 175.13 | 5307.26 | 75520.39 |
| 47 | 2029-11 | 5482.38 | 163.63 | 5318.75 | 70201.63 |
| 48 | 2029-12 | 5482.38 | 152.10 | 5330.28 | 64871.35 |
| 49 | 2030-01 | 5482.38 | 140.55 | 5341.83 | 59529.53 |
| 50 | 2030-02 | 5482.38 | 128.98 | 5353.40 | 54176.12 |
| 51 | 2030-03 | 5482.38 | 117.38 | 5365.00 | 48811.12 |
| 52 | 2030-04 | 5482.38 | 105.76 | 5376.62 | 43434.50 |
| 53 | 2030-05 | 5482.38 | 94.11 | 5388.27 | 38046.23 |
| 54 | 2030-06 | 5482.38 | 82.43 | 5399.95 | 32646.28 |
| 55 | 2030-07 | 5482.38 | 70.73 | 5411.65 | 27234.63 |
| 56 | 2030-08 | 5482.38 | 59.01 | 5423.37 | 21811.26 |
| 57 | 2030-09 | 5482.38 | 47.26 | 5435.12 | 16376.13 |
| 58 | 2030-10 | 5482.38 | 35.48 | 5446.90 | 10929.23 |
| 59 | 2030-11 | 5482.38 | 23.68 | 5458.70 | 5470.53 |
| 60 | 2030-12 | 5482.38 | 11.85 | 5470.53 | 0.00 |
等额本金还款方式：
贷款总额：30.81万
还款月数：5年
首月还款：5803.42元
每月递减：11.13元
利息总额：2.04万
本息合计：32.85万
节省利息：433.26元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 5803.42 | 667.65 | 5135.77 | 303010.55 |
| 2 | 2026-02 | 5792.29 | 656.52 | 5135.77 | 297874.78 |
| 3 | 2026-03 | 5781.17 | 645.40 | 5135.77 | 292739.00 |
| 4 | 2026-04 | 5770.04 | 634.27 | 5135.77 | 287603.23 |
| 5 | 2026-05 | 5758.91 | 623.14 | 5135.77 | 282467.46 |
| 6 | 2026-06 | 5747.78 | 612.01 | 5135.77 | 277331.69 |
| 7 | 2026-07 | 5736.66 | 600.89 | 5135.77 | 272195.92 |
| 8 | 2026-08 | 5725.53 | 589.76 | 5135.77 | 267060.14 |
| 9 | 2026-09 | 5714.40 | 578.63 | 5135.77 | 261924.37 |
| 10 | 2026-10 | 5703.27 | 567.50 | 5135.77 | 256788.60 |
| 11 | 2026-11 | 5692.15 | 556.38 | 5135.77 | 251652.83 |
| 12 | 2026-12 | 5681.02 | 545.25 | 5135.77 | 246517.06 |
| 13 | 2027-01 | 5669.89 | 534.12 | 5135.77 | 241381.28 |
| 14 | 2027-02 | 5658.76 | 522.99 | 5135.77 | 236245.51 |
| 15 | 2027-03 | 5647.64 | 511.87 | 5135.77 | 231109.74 |
| 16 | 2027-04 | 5636.51 | 500.74 | 5135.77 | 225973.97 |
| 17 | 2027-05 | 5625.38 | 489.61 | 5135.77 | 220838.20 |
| 18 | 2027-06 | 5614.25 | 478.48 | 5135.77 | 215702.42 |
| 19 | 2027-07 | 5603.13 | 467.36 | 5135.77 | 210566.65 |
| 20 | 2027-08 | 5592.00 | 456.23 | 5135.77 | 205430.88 |
| 21 | 2027-09 | 5580.87 | 445.10 | 5135.77 | 200295.11 |
| 22 | 2027-10 | 5569.74 | 433.97 | 5135.77 | 195159.34 |
| 23 | 2027-11 | 5558.62 | 422.85 | 5135.77 | 190023.56 |
| 24 | 2027-12 | 5547.49 | 411.72 | 5135.77 | 184887.79 |
| 25 | 2028-01 | 5536.36 | 400.59 | 5135.77 | 179752.02 |
| 26 | 2028-02 | 5525.23 | 389.46 | 5135.77 | 174616.25 |
| 27 | 2028-03 | 5514.11 | 378.34 | 5135.77 | 169480.48 |
| 28 | 2028-04 | 5502.98 | 367.21 | 5135.77 | 164344.70 |
| 29 | 2028-05 | 5491.85 | 356.08 | 5135.77 | 159208.93 |
| 30 | 2028-06 | 5480.72 | 344.95 | 5135.77 | 154073.16 |
| 31 | 2028-07 | 5469.60 | 333.83 | 5135.77 | 148937.39 |
| 32 | 2028-08 | 5458.47 | 322.70 | 5135.77 | 143801.62 |
| 33 | 2028-09 | 5447.34 | 311.57 | 5135.77 | 138665.84 |
| 34 | 2028-10 | 5436.21 | 300.44 | 5135.77 | 133530.07 |
| 35 | 2028-11 | 5425.09 | 289.32 | 5135.77 | 128394.30 |
| 36 | 2028-12 | 5413.96 | 278.19 | 5135.77 | 123258.53 |
| 37 | 2029-01 | 5402.83 | 267.06 | 5135.77 | 118122.76 |
| 38 | 2029-02 | 5391.70 | 255.93 | 5135.77 | 112986.98 |
| 39 | 2029-03 | 5380.58 | 244.81 | 5135.77 | 107851.21 |
| 40 | 2029-04 | 5369.45 | 233.68 | 5135.77 | 102715.44 |
| 41 | 2029-05 | 5358.32 | 222.55 | 5135.77 | 97579.67 |
| 42 | 2029-06 | 5347.19 | 211.42 | 5135.77 | 92443.90 |
| 43 | 2029-07 | 5336.07 | 200.30 | 5135.77 | 87308.12 |
| 44 | 2029-08 | 5324.94 | 189.17 | 5135.77 | 82172.35 |
| 45 | 2029-09 | 5313.81 | 178.04 | 5135.77 | 77036.58 |
| 46 | 2029-10 | 5302.68 | 166.91 | 5135.77 | 71900.81 |
| 47 | 2029-11 | 5291.56 | 155.79 | 5135.77 | 66765.04 |
| 48 | 2029-12 | 5280.43 | 144.66 | 5135.77 | 61629.26 |
| 49 | 2030-01 | 5269.30 | 133.53 | 5135.77 | 56493.49 |
| 50 | 2030-02 | 5258.17 | 122.40 | 5135.77 | 51357.72 |
| 51 | 2030-03 | 5247.05 | 111.28 | 5135.77 | 46221.95 |
| 52 | 2030-04 | 5235.92 | 100.15 | 5135.77 | 41086.18 |
| 53 | 2030-05 | 5224.79 | 89.02 | 5135.77 | 35950.40 |
| 54 | 2030-06 | 5213.66 | 77.89 | 5135.77 | 30814.63 |
| 55 | 2030-07 | 5202.54 | 66.77 | 5135.77 | 25678.86 |
| 56 | 2030-08 | 5191.41 | 55.64 | 5135.77 | 20543.09 |
| 57 | 2030-09 | 5180.28 | 44.51 | 5135.77 | 15407.32 |
| 58 | 2030-10 | 5169.15 | 33.38 | 5135.77 | 10271.54 |
| 59 | 2030-11 | 5158.03 | 22.26 | 5135.77 | 5135.77 |
| 60 | 2030-12 | 5146.90 | 11.13 | 5135.77 | 0.00 |