贷款33.01万（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：33.01万
还款月数：5年
每月还款：5800元
利息总额：1.79万
本息合计：34.8万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 5800.00 | 577.64 | 5222.36 | 324856.81 |
| 2 | 2025-12 | 5800.00 | 568.50 | 5231.50 | 319625.31 |
| 3 | 2026-01 | 5800.00 | 559.34 | 5240.66 | 314384.65 |
| 4 | 2026-02 | 5800.00 | 550.17 | 5249.83 | 309134.82 |
| 5 | 2026-03 | 5800.00 | 540.99 | 5259.01 | 303875.81 |
| 6 | 2026-04 | 5800.00 | 531.78 | 5268.22 | 298607.59 |
| 7 | 2026-05 | 5800.00 | 522.56 | 5277.44 | 293330.16 |
| 8 | 2026-06 | 5800.00 | 513.33 | 5286.67 | 288043.48 |
| 9 | 2026-07 | 5800.00 | 504.08 | 5295.92 | 282747.56 |
| 10 | 2026-08 | 5800.00 | 494.81 | 5305.19 | 277442.37 |
| 11 | 2026-09 | 5800.00 | 485.52 | 5314.48 | 272127.89 |
| 12 | 2026-10 | 5800.00 | 476.22 | 5323.78 | 266804.12 |
| 13 | 2026-11 | 5800.00 | 466.91 | 5333.09 | 261471.02 |
| 14 | 2026-12 | 5800.00 | 457.57 | 5342.43 | 256128.60 |
| 15 | 2027-01 | 5800.00 | 448.23 | 5351.77 | 250776.82 |
| 16 | 2027-02 | 5800.00 | 438.86 | 5361.14 | 245415.68 |
| 17 | 2027-03 | 5800.00 | 429.48 | 5370.52 | 240045.16 |
| 18 | 2027-04 | 5800.00 | 420.08 | 5379.92 | 234665.24 |
| 19 | 2027-05 | 5800.00 | 410.66 | 5389.34 | 229275.90 |
| 20 | 2027-06 | 5800.00 | 401.23 | 5398.77 | 223877.14 |
| 21 | 2027-07 | 5800.00 | 391.78 | 5408.22 | 218468.92 |
| 22 | 2027-08 | 5800.00 | 382.32 | 5417.68 | 213051.24 |
| 23 | 2027-09 | 5800.00 | 372.84 | 5427.16 | 207624.08 |
| 24 | 2027-10 | 5800.00 | 363.34 | 5436.66 | 202187.42 |
| 25 | 2027-11 | 5800.00 | 353.83 | 5446.17 | 196741.25 |
| 26 | 2027-12 | 5800.00 | 344.30 | 5455.70 | 191285.55 |
| 27 | 2028-01 | 5800.00 | 334.75 | 5465.25 | 185820.30 |
| 28 | 2028-02 | 5800.00 | 325.19 | 5474.81 | 180345.48 |
| 29 | 2028-03 | 5800.00 | 315.60 | 5484.40 | 174861.09 |
| 30 | 2028-04 | 5800.00 | 306.01 | 5493.99 | 169367.10 |
| 31 | 2028-05 | 5800.00 | 296.39 | 5503.61 | 163863.49 |
| 32 | 2028-06 | 5800.00 | 286.76 | 5513.24 | 158350.25 |
| 33 | 2028-07 | 5800.00 | 277.11 | 5522.89 | 152827.36 |
| 34 | 2028-08 | 5800.00 | 267.45 | 5532.55 | 147294.81 |
| 35 | 2028-09 | 5800.00 | 257.77 | 5542.23 | 141752.58 |
| 36 | 2028-10 | 5800.00 | 248.07 | 5551.93 | 136200.64 |
| 37 | 2028-11 | 5800.00 | 238.35 | 5561.65 | 130638.99 |
| 38 | 2028-12 | 5800.00 | 228.62 | 5571.38 | 125067.61 |
| 39 | 2029-01 | 5800.00 | 218.87 | 5581.13 | 119486.48 |
| 40 | 2029-02 | 5800.00 | 209.10 | 5590.90 | 113895.58 |
| 41 | 2029-03 | 5800.00 | 199.32 | 5600.68 | 108294.90 |
| 42 | 2029-04 | 5800.00 | 189.52 | 5610.48 | 102684.41 |
| 43 | 2029-05 | 5800.00 | 179.70 | 5620.30 | 97064.11 |
| 44 | 2029-06 | 5800.00 | 169.86 | 5630.14 | 91433.97 |
| 45 | 2029-07 | 5800.00 | 160.01 | 5639.99 | 85793.98 |
| 46 | 2029-08 | 5800.00 | 150.14 | 5649.86 | 80144.12 |
| 47 | 2029-09 | 5800.00 | 140.25 | 5659.75 | 74484.38 |
| 48 | 2029-10 | 5800.00 | 130.35 | 5669.65 | 68814.72 |
| 49 | 2029-11 | 5800.00 | 120.43 | 5679.57 | 63135.15 |
| 50 | 2029-12 | 5800.00 | 110.49 | 5689.51 | 57445.64 |
| 51 | 2030-01 | 5800.00 | 100.53 | 5699.47 | 51746.17 |
| 52 | 2030-02 | 5800.00 | 90.56 | 5709.44 | 46036.72 |
| 53 | 2030-03 | 5800.00 | 80.56 | 5719.44 | 40317.29 |
| 54 | 2030-04 | 5800.00 | 70.56 | 5729.44 | 34587.84 |
| 55 | 2030-05 | 5800.00 | 60.53 | 5739.47 | 28848.37 |
| 56 | 2030-06 | 5800.00 | 50.48 | 5749.52 | 23098.85 |
| 57 | 2030-07 | 5800.00 | 40.42 | 5759.58 | 17339.28 |
| 58 | 2030-08 | 5800.00 | 30.34 | 5769.66 | 11569.62 |
| 59 | 2030-09 | 5800.00 | 20.25 | 5779.75 | 5789.87 |
| 60 | 2030-10 | 5800.00 | 10.13 | 5789.87 | 0.00 |
等额本金还款方式：
贷款总额：33.01万
还款月数：5年
首月还款：5800元
每月递减：9.19元
利息总额：1.68万
本息合计：33.17万
节省利息：1111.33元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 5800.00 | 551.13 | 5248.87 | 309683.26 |
| 2 | 2025-12 | 5790.81 | 541.95 | 5248.87 | 304434.39 |
| 3 | 2026-01 | 5781.63 | 532.76 | 5248.87 | 299185.52 |
| 4 | 2026-02 | 5772.44 | 523.57 | 5248.87 | 293936.65 |
| 5 | 2026-03 | 5763.26 | 514.39 | 5248.87 | 288687.78 |
| 6 | 2026-04 | 5754.07 | 505.20 | 5248.87 | 283438.91 |
| 7 | 2026-05 | 5744.89 | 496.02 | 5248.87 | 278190.05 |
| 8 | 2026-06 | 5735.70 | 486.83 | 5248.87 | 272941.18 |
| 9 | 2026-07 | 5726.52 | 477.65 | 5248.87 | 267692.31 |
| 10 | 2026-08 | 5717.33 | 468.46 | 5248.87 | 262443.44 |
| 11 | 2026-09 | 5708.14 | 459.28 | 5248.87 | 257194.57 |
| 12 | 2026-10 | 5698.96 | 450.09 | 5248.87 | 251945.70 |
| 13 | 2026-11 | 5689.77 | 440.90 | 5248.87 | 246696.83 |
| 14 | 2026-12 | 5680.59 | 431.72 | 5248.87 | 241447.96 |
| 15 | 2027-01 | 5671.40 | 422.53 | 5248.87 | 236199.10 |
| 16 | 2027-02 | 5662.22 | 413.35 | 5248.87 | 230950.23 |
| 17 | 2027-03 | 5653.03 | 404.16 | 5248.87 | 225701.36 |
| 18 | 2027-04 | 5643.85 | 394.98 | 5248.87 | 220452.49 |
| 19 | 2027-05 | 5634.66 | 385.79 | 5248.87 | 215203.62 |
| 20 | 2027-06 | 5625.48 | 376.61 | 5248.87 | 209954.75 |
| 21 | 2027-07 | 5616.29 | 367.42 | 5248.87 | 204705.88 |
| 22 | 2027-08 | 5607.10 | 358.24 | 5248.87 | 199457.01 |
| 23 | 2027-09 | 5597.92 | 349.05 | 5248.87 | 194208.14 |
| 24 | 2027-10 | 5588.73 | 339.86 | 5248.87 | 188959.28 |
| 25 | 2027-11 | 5579.55 | 330.68 | 5248.87 | 183710.41 |
| 26 | 2027-12 | 5570.36 | 321.49 | 5248.87 | 178461.54 |
| 27 | 2028-01 | 5561.18 | 312.31 | 5248.87 | 173212.67 |
| 28 | 2028-02 | 5551.99 | 303.12 | 5248.87 | 167963.80 |
| 29 | 2028-03 | 5542.81 | 293.94 | 5248.87 | 162714.93 |
| 30 | 2028-04 | 5533.62 | 284.75 | 5248.87 | 157466.06 |
| 31 | 2028-05 | 5524.43 | 275.57 | 5248.87 | 152217.19 |
| 32 | 2028-06 | 5515.25 | 266.38 | 5248.87 | 146968.33 |
| 33 | 2028-07 | 5506.06 | 257.19 | 5248.87 | 141719.46 |
| 34 | 2028-08 | 5496.88 | 248.01 | 5248.87 | 136470.59 |
| 35 | 2028-09 | 5487.69 | 238.82 | 5248.87 | 131221.72 |
| 36 | 2028-10 | 5478.51 | 229.64 | 5248.87 | 125972.85 |
| 37 | 2028-11 | 5469.32 | 220.45 | 5248.87 | 120723.98 |
| 38 | 2028-12 | 5460.14 | 211.27 | 5248.87 | 115475.11 |
| 39 | 2029-01 | 5450.95 | 202.08 | 5248.87 | 110226.24 |
| 40 | 2029-02 | 5441.76 | 192.90 | 5248.87 | 104977.38 |
| 41 | 2029-03 | 5432.58 | 183.71 | 5248.87 | 99728.51 |
| 42 | 2029-04 | 5423.39 | 174.52 | 5248.87 | 94479.64 |
| 43 | 2029-05 | 5414.21 | 165.34 | 5248.87 | 89230.77 |
| 44 | 2029-06 | 5405.02 | 156.15 | 5248.87 | 83981.90 |
| 45 | 2029-07 | 5395.84 | 146.97 | 5248.87 | 78733.03 |
| 46 | 2029-08 | 5386.65 | 137.78 | 5248.87 | 73484.16 |
| 47 | 2029-09 | 5377.47 | 128.60 | 5248.87 | 68235.29 |
| 48 | 2029-10 | 5368.28 | 119.41 | 5248.87 | 62986.43 |
| 49 | 2029-11 | 5359.10 | 110.23 | 5248.87 | 57737.56 |
| 50 | 2029-12 | 5349.91 | 101.04 | 5248.87 | 52488.69 |
| 51 | 2030-01 | 5340.72 | 91.86 | 5248.87 | 47239.82 |
| 52 | 2030-02 | 5331.54 | 82.67 | 5248.87 | 41990.95 |
| 53 | 2030-03 | 5322.35 | 73.48 | 5248.87 | 36742.08 |
| 54 | 2030-04 | 5313.17 | 64.30 | 5248.87 | 31493.21 |
| 55 | 2030-05 | 5303.98 | 55.11 | 5248.87 | 26244.34 |
| 56 | 2030-06 | 5294.80 | 45.93 | 5248.87 | 20995.48 |
| 57 | 2030-07 | 5285.61 | 36.74 | 5248.87 | 15746.61 |
| 58 | 2030-08 | 5276.43 | 27.56 | 5248.87 | 10497.74 |
| 59 | 2030-09 | 5267.24 | 18.37 | 5248.87 | 5248.87 |
| 60 | 2030-10 | 5258.05 | 9.19 | 5248.87 | 0.00 |