贷款16.5万（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：16.5万
还款月数：5年
每月还款：2953.85元
利息总额：1.22万
本息合计：17.72万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 2953.85 | 391.88 | 2561.97 | 162438.03 |
| 2 | 2024-09 | 2953.85 | 385.79 | 2568.06 | 159869.97 |
| 3 | 2024-10 | 2953.85 | 379.69 | 2574.16 | 157295.81 |
| 4 | 2024-11 | 2953.85 | 373.58 | 2580.27 | 154715.54 |
| 5 | 2024-12 | 2953.85 | 367.45 | 2586.40 | 152129.14 |
| 6 | 2025-01 | 2953.85 | 361.31 | 2592.54 | 149536.60 |
| 7 | 2025-02 | 2953.85 | 355.15 | 2598.70 | 146937.90 |
| 8 | 2025-03 | 2953.85 | 348.98 | 2604.87 | 144333.03 |
| 9 | 2025-04 | 2953.85 | 342.79 | 2611.06 | 141721.97 |
| 10 | 2025-05 | 2953.85 | 336.59 | 2617.26 | 139104.72 |
| 11 | 2025-06 | 2953.85 | 330.37 | 2623.47 | 136481.24 |
| 12 | 2025-07 | 2953.85 | 324.14 | 2629.71 | 133851.54 |
| 13 | 2025-08 | 2953.85 | 317.90 | 2635.95 | 131215.58 |
| 14 | 2025-09 | 2953.85 | 311.64 | 2642.21 | 128573.37 |
| 15 | 2025-10 | 2953.85 | 305.36 | 2648.49 | 125924.89 |
| 16 | 2025-11 | 2953.85 | 299.07 | 2654.78 | 123270.11 |
| 17 | 2025-12 | 2953.85 | 292.77 | 2661.08 | 120609.03 |
| 18 | 2026-01 | 2953.85 | 286.45 | 2667.40 | 117941.63 |
| 19 | 2026-02 | 2953.85 | 280.11 | 2673.74 | 115267.89 |
| 20 | 2026-03 | 2953.85 | 273.76 | 2680.09 | 112587.80 |
| 21 | 2026-04 | 2953.85 | 267.40 | 2686.45 | 109901.35 |
| 22 | 2026-05 | 2953.85 | 261.02 | 2692.83 | 107208.52 |
| 23 | 2026-06 | 2953.85 | 254.62 | 2699.23 | 104509.29 |
| 24 | 2026-07 | 2953.85 | 248.21 | 2705.64 | 101803.65 |
| 25 | 2026-08 | 2953.85 | 241.78 | 2712.06 | 99091.59 |
| 26 | 2026-09 | 2953.85 | 235.34 | 2718.51 | 96373.08 |
| 27 | 2026-10 | 2953.85 | 228.89 | 2724.96 | 93648.12 |
| 28 | 2026-11 | 2953.85 | 222.41 | 2731.43 | 90916.68 |
| 29 | 2026-12 | 2953.85 | 215.93 | 2737.92 | 88178.76 |
| 30 | 2027-01 | 2953.85 | 209.42 | 2744.42 | 85434.34 |
| 31 | 2027-02 | 2953.85 | 202.91 | 2750.94 | 82683.40 |
| 32 | 2027-03 | 2953.85 | 196.37 | 2757.48 | 79925.92 |
| 33 | 2027-04 | 2953.85 | 189.82 | 2764.02 | 77161.90 |
| 34 | 2027-05 | 2953.85 | 183.26 | 2770.59 | 74391.31 |
| 35 | 2027-06 | 2953.85 | 176.68 | 2777.17 | 71614.14 |
| 36 | 2027-07 | 2953.85 | 170.08 | 2783.76 | 68830.38 |
| 37 | 2027-08 | 2953.85 | 163.47 | 2790.38 | 66040.00 |
| 38 | 2027-09 | 2953.85 | 156.85 | 2797.00 | 63243.00 |
| 39 | 2027-10 | 2953.85 | 150.20 | 2803.65 | 60439.35 |
| 40 | 2027-11 | 2953.85 | 143.54 | 2810.30 | 57629.05 |
| 41 | 2027-12 | 2953.85 | 136.87 | 2816.98 | 54812.07 |
| 42 | 2028-01 | 2953.85 | 130.18 | 2823.67 | 51988.40 |
| 43 | 2028-02 | 2953.85 | 123.47 | 2830.38 | 49158.02 |
| 44 | 2028-03 | 2953.85 | 116.75 | 2837.10 | 46320.92 |
| 45 | 2028-04 | 2953.85 | 110.01 | 2843.84 | 43477.09 |
| 46 | 2028-05 | 2953.85 | 103.26 | 2850.59 | 40626.50 |
| 47 | 2028-06 | 2953.85 | 96.49 | 2857.36 | 37769.14 |
| 48 | 2028-07 | 2953.85 | 89.70 | 2864.15 | 34904.99 |
| 49 | 2028-08 | 2953.85 | 82.90 | 2870.95 | 32034.04 |
| 50 | 2028-09 | 2953.85 | 76.08 | 2877.77 | 29156.27 |
| 51 | 2028-10 | 2953.85 | 69.25 | 2884.60 | 26271.67 |
| 52 | 2028-11 | 2953.85 | 62.40 | 2891.45 | 23380.22 |
| 53 | 2028-12 | 2953.85 | 55.53 | 2898.32 | 20481.90 |
| 54 | 2029-01 | 2953.85 | 48.64 | 2905.20 | 17576.69 |
| 55 | 2029-02 | 2953.85 | 41.74 | 2912.10 | 14664.59 |
| 56 | 2029-03 | 2953.85 | 34.83 | 2919.02 | 11745.57 |
| 57 | 2029-04 | 2953.85 | 27.90 | 2925.95 | 8819.62 |
| 58 | 2029-05 | 2953.85 | 20.95 | 2932.90 | 5886.72 |
| 59 | 2029-06 | 2953.85 | 13.98 | 2939.87 | 2946.85 |
| 60 | 2029-07 | 2953.85 | 7.00 | 2946.85 | 0.00 |
等额本金还款方式：
贷款总额：16.5万
还款月数：5年
首月还款：3141.88元
每月递减：6.53元
利息总额：1.2万
本息合计：17.7万
节省利息：278.71元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 3141.88 | 391.88 | 2750.00 | 162250.00 |
| 2 | 2024-09 | 3135.34 | 385.34 | 2750.00 | 159500.00 |
| 3 | 2024-10 | 3128.81 | 378.81 | 2750.00 | 156750.00 |
| 4 | 2024-11 | 3122.28 | 372.28 | 2750.00 | 154000.00 |
| 5 | 2024-12 | 3115.75 | 365.75 | 2750.00 | 151250.00 |
| 6 | 2025-01 | 3109.22 | 359.22 | 2750.00 | 148500.00 |
| 7 | 2025-02 | 3102.69 | 352.69 | 2750.00 | 145750.00 |
| 8 | 2025-03 | 3096.16 | 346.16 | 2750.00 | 143000.00 |
| 9 | 2025-04 | 3089.63 | 339.63 | 2750.00 | 140250.00 |
| 10 | 2025-05 | 3083.09 | 333.09 | 2750.00 | 137500.00 |
| 11 | 2025-06 | 3076.56 | 326.56 | 2750.00 | 134750.00 |
| 12 | 2025-07 | 3070.03 | 320.03 | 2750.00 | 132000.00 |
| 13 | 2025-08 | 3063.50 | 313.50 | 2750.00 | 129250.00 |
| 14 | 2025-09 | 3056.97 | 306.97 | 2750.00 | 126500.00 |
| 15 | 2025-10 | 3050.44 | 300.44 | 2750.00 | 123750.00 |
| 16 | 2025-11 | 3043.91 | 293.91 | 2750.00 | 121000.00 |
| 17 | 2025-12 | 3037.38 | 287.38 | 2750.00 | 118250.00 |
| 18 | 2026-01 | 3030.84 | 280.84 | 2750.00 | 115500.00 |
| 19 | 2026-02 | 3024.31 | 274.31 | 2750.00 | 112750.00 |
| 20 | 2026-03 | 3017.78 | 267.78 | 2750.00 | 110000.00 |
| 21 | 2026-04 | 3011.25 | 261.25 | 2750.00 | 107250.00 |
| 22 | 2026-05 | 3004.72 | 254.72 | 2750.00 | 104500.00 |
| 23 | 2026-06 | 2998.19 | 248.19 | 2750.00 | 101750.00 |
| 24 | 2026-07 | 2991.66 | 241.66 | 2750.00 | 99000.00 |
| 25 | 2026-08 | 2985.13 | 235.13 | 2750.00 | 96250.00 |
| 26 | 2026-09 | 2978.59 | 228.59 | 2750.00 | 93500.00 |
| 27 | 2026-10 | 2972.06 | 222.06 | 2750.00 | 90750.00 |
| 28 | 2026-11 | 2965.53 | 215.53 | 2750.00 | 88000.00 |
| 29 | 2026-12 | 2959.00 | 209.00 | 2750.00 | 85250.00 |
| 30 | 2027-01 | 2952.47 | 202.47 | 2750.00 | 82500.00 |
| 31 | 2027-02 | 2945.94 | 195.94 | 2750.00 | 79750.00 |
| 32 | 2027-03 | 2939.41 | 189.41 | 2750.00 | 77000.00 |
| 33 | 2027-04 | 2932.88 | 182.88 | 2750.00 | 74250.00 |
| 34 | 2027-05 | 2926.34 | 176.34 | 2750.00 | 71500.00 |
| 35 | 2027-06 | 2919.81 | 169.81 | 2750.00 | 68750.00 |
| 36 | 2027-07 | 2913.28 | 163.28 | 2750.00 | 66000.00 |
| 37 | 2027-08 | 2906.75 | 156.75 | 2750.00 | 63250.00 |
| 38 | 2027-09 | 2900.22 | 150.22 | 2750.00 | 60500.00 |
| 39 | 2027-10 | 2893.69 | 143.69 | 2750.00 | 57750.00 |
| 40 | 2027-11 | 2887.16 | 137.16 | 2750.00 | 55000.00 |
| 41 | 2027-12 | 2880.63 | 130.63 | 2750.00 | 52250.00 |
| 42 | 2028-01 | 2874.09 | 124.09 | 2750.00 | 49500.00 |
| 43 | 2028-02 | 2867.56 | 117.56 | 2750.00 | 46750.00 |
| 44 | 2028-03 | 2861.03 | 111.03 | 2750.00 | 44000.00 |
| 45 | 2028-04 | 2854.50 | 104.50 | 2750.00 | 41250.00 |
| 46 | 2028-05 | 2847.97 | 97.97 | 2750.00 | 38500.00 |
| 47 | 2028-06 | 2841.44 | 91.44 | 2750.00 | 35750.00 |
| 48 | 2028-07 | 2834.91 | 84.91 | 2750.00 | 33000.00 |
| 49 | 2028-08 | 2828.38 | 78.38 | 2750.00 | 30250.00 |
| 50 | 2028-09 | 2821.84 | 71.84 | 2750.00 | 27500.00 |
| 51 | 2028-10 | 2815.31 | 65.31 | 2750.00 | 24750.00 |
| 52 | 2028-11 | 2808.78 | 58.78 | 2750.00 | 22000.00 |
| 53 | 2028-12 | 2802.25 | 52.25 | 2750.00 | 19250.00 |
| 54 | 2029-01 | 2795.72 | 45.72 | 2750.00 | 16500.00 |
| 55 | 2029-02 | 2789.19 | 39.19 | 2750.00 | 13750.00 |
| 56 | 2029-03 | 2782.66 | 32.66 | 2750.00 | 11000.00 |
| 57 | 2029-04 | 2776.13 | 26.13 | 2750.00 | 8250.00 |
| 58 | 2029-05 | 2769.59 | 19.59 | 2750.00 | 5500.00 |
| 59 | 2029-06 | 2763.06 | 13.06 | 2750.00 | 2750.00 |
| 60 | 2029-07 | 2756.53 | 6.53 | 2750.00 | 0.00 |