贷款5000元（公积金贷款）房贷，还款3年4个月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：5000元
还款月数：3年4个月
每月还款：132.02元
利息总额：280.72元
本息合计：5280.72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 | 132.02 | 13.46 | 118.56 | 4881.44 |
| 2 | 2024-09 | 132.02 | 13.14 | 118.88 | 4762.56 |
| 3 | 2024-10 | 132.02 | 12.82 | 119.20 | 4643.36 |
| 4 | 2024-11 | 132.02 | 12.50 | 119.52 | 4523.84 |
| 5 | 2024-12 | 132.02 | 12.18 | 119.84 | 4404.00 |
| 6 | 2025-01 | 132.02 | 11.85 | 120.16 | 4283.84 |
| 7 | 2025-02 | 132.02 | 11.53 | 120.49 | 4163.35 |
| 8 | 2025-03 | 132.02 | 11.21 | 120.81 | 4042.54 |
| 9 | 2025-04 | 132.02 | 10.88 | 121.14 | 3921.40 |
| 10 | 2025-05 | 132.02 | 10.56 | 121.46 | 3799.94 |
| 11 | 2025-06 | 132.02 | 10.23 | 121.79 | 3678.15 |
| 12 | 2025-07 | 132.02 | 9.90 | 122.12 | 3556.03 |
| 13 | 2025-08 | 132.02 | 9.57 | 122.45 | 3433.59 |
| 14 | 2025-09 | 132.02 | 9.24 | 122.78 | 3310.81 |
| 15 | 2025-10 | 132.02 | 8.91 | 123.11 | 3187.70 |
| 16 | 2025-11 | 132.02 | 8.58 | 123.44 | 3064.27 |
| 17 | 2025-12 | 132.02 | 8.25 | 123.77 | 2940.50 |
| 18 | 2026-01 | 132.02 | 7.91 | 124.10 | 2816.39 |
| 19 | 2026-02 | 132.02 | 7.58 | 124.44 | 2691.96 |
| 20 | 2026-03 | 132.02 | 7.25 | 124.77 | 2567.19 |
| 21 | 2026-04 | 132.02 | 6.91 | 125.11 | 2442.08 |
| 22 | 2026-05 | 132.02 | 6.57 | 125.44 | 2316.63 |
| 23 | 2026-06 | 132.02 | 6.24 | 125.78 | 2190.85 |
| 24 | 2026-07 | 132.02 | 5.90 | 126.12 | 2064.73 |
| 25 | 2026-08 | 132.02 | 5.56 | 126.46 | 1938.27 |
| 26 | 2026-09 | 132.02 | 5.22 | 126.80 | 1811.47 |
| 27 | 2026-10 | 132.02 | 4.88 | 127.14 | 1684.33 |
| 28 | 2026-11 | 132.02 | 4.53 | 127.48 | 1556.84 |
| 29 | 2026-12 | 132.02 | 4.19 | 127.83 | 1429.01 |
| 30 | 2027-01 | 132.02 | 3.85 | 128.17 | 1300.84 |
| 31 | 2027-02 | 132.02 | 3.50 | 128.52 | 1172.33 |
| 32 | 2027-03 | 132.02 | 3.16 | 128.86 | 1043.46 |
| 33 | 2027-04 | 132.02 | 2.81 | 129.21 | 914.26 |
| 34 | 2027-05 | 132.02 | 2.46 | 129.56 | 784.70 |
| 35 | 2027-06 | 132.02 | 2.11 | 129.91 | 654.79 |
| 36 | 2027-07 | 132.02 | 1.76 | 130.26 | 524.54 |
| 37 | 2027-08 | 132.02 | 1.41 | 130.61 | 393.93 |
| 38 | 2027-09 | 132.02 | 1.06 | 130.96 | 262.97 |
| 39 | 2027-10 | 132.02 | 0.71 | 131.31 | 131.66 |
| 40 | 2027-11 | 132.02 | 0.35 | 131.66 | 0.00 |
等额本金还款方式：
贷款总额：5000元
还款月数：3年4个月
首月还款：138.46元
每月递减：0.34元
利息总额：275.9元
本息合计：5275.9元
节省利息：4.82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 | 138.46 | 13.46 | 125.00 | 4875.00 |
| 2 | 2024-09 | 138.12 | 13.12 | 125.00 | 4750.00 |
| 3 | 2024-10 | 137.79 | 12.79 | 125.00 | 4625.00 |
| 4 | 2024-11 | 137.45 | 12.45 | 125.00 | 4500.00 |
| 5 | 2024-12 | 137.11 | 12.11 | 125.00 | 4375.00 |
| 6 | 2025-01 | 136.78 | 11.78 | 125.00 | 4250.00 |
| 7 | 2025-02 | 136.44 | 11.44 | 125.00 | 4125.00 |
| 8 | 2025-03 | 136.10 | 11.10 | 125.00 | 4000.00 |
| 9 | 2025-04 | 135.77 | 10.77 | 125.00 | 3875.00 |
| 10 | 2025-05 | 135.43 | 10.43 | 125.00 | 3750.00 |
| 11 | 2025-06 | 135.09 | 10.09 | 125.00 | 3625.00 |
| 12 | 2025-07 | 134.76 | 9.76 | 125.00 | 3500.00 |
| 13 | 2025-08 | 134.42 | 9.42 | 125.00 | 3375.00 |
| 14 | 2025-09 | 134.08 | 9.08 | 125.00 | 3250.00 |
| 15 | 2025-10 | 133.75 | 8.75 | 125.00 | 3125.00 |
| 16 | 2025-11 | 133.41 | 8.41 | 125.00 | 3000.00 |
| 17 | 2025-12 | 133.07 | 8.08 | 125.00 | 2875.00 |
| 18 | 2026-01 | 132.74 | 7.74 | 125.00 | 2750.00 |
| 19 | 2026-02 | 132.40 | 7.40 | 125.00 | 2625.00 |
| 20 | 2026-03 | 132.07 | 7.07 | 125.00 | 2500.00 |
| 21 | 2026-04 | 131.73 | 6.73 | 125.00 | 2375.00 |
| 22 | 2026-05 | 131.39 | 6.39 | 125.00 | 2250.00 |
| 23 | 2026-06 | 131.06 | 6.06 | 125.00 | 2125.00 |
| 24 | 2026-07 | 130.72 | 5.72 | 125.00 | 2000.00 |
| 25 | 2026-08 | 130.38 | 5.38 | 125.00 | 1875.00 |
| 26 | 2026-09 | 130.05 | 5.05 | 125.00 | 1750.00 |
| 27 | 2026-10 | 129.71 | 4.71 | 125.00 | 1625.00 |
| 28 | 2026-11 | 129.37 | 4.37 | 125.00 | 1500.00 |
| 29 | 2026-12 | 129.04 | 4.04 | 125.00 | 1375.00 |
| 30 | 2027-01 | 128.70 | 3.70 | 125.00 | 1250.00 |
| 31 | 2027-02 | 128.36 | 3.36 | 125.00 | 1125.00 |
| 32 | 2027-03 | 128.03 | 3.03 | 125.00 | 1000.00 |
| 33 | 2027-04 | 127.69 | 2.69 | 125.00 | 875.00 |
| 34 | 2027-05 | 127.36 | 2.36 | 125.00 | 750.00 |
| 35 | 2027-06 | 127.02 | 2.02 | 125.00 | 625.00 |
| 36 | 2027-07 | 126.68 | 1.68 | 125.00 | 500.00 |
| 37 | 2027-08 | 126.35 | 1.35 | 125.00 | 375.00 |
| 38 | 2027-09 | 126.01 | 1.01 | 125.00 | 250.00 |
| 39 | 2027-10 | 125.67 | 0.67 | 125.00 | 125.00 |
| 40 | 2027-11 | 125.34 | 0.34 | 125.00 | 0.00 |