贷款17.5万（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：17.5万
还款月数：5年
每月还款：3144.52元
利息总额：1.37万
本息合计：18.87万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 3144.52 | 437.50 | 2707.02 | 172292.98 |
| 2 | 2024-12 | 3144.52 | 430.73 | 2713.79 | 169579.19 |
| 3 | 2025-01 | 3144.52 | 423.95 | 2720.57 | 166858.62 |
| 4 | 2025-02 | 3144.52 | 417.15 | 2727.37 | 164131.24 |
| 5 | 2025-03 | 3144.52 | 410.33 | 2734.19 | 161397.05 |
| 6 | 2025-04 | 3144.52 | 403.49 | 2741.03 | 158656.02 |
| 7 | 2025-05 | 3144.52 | 396.64 | 2747.88 | 155908.14 |
| 8 | 2025-06 | 3144.52 | 389.77 | 2754.75 | 153153.39 |
| 9 | 2025-07 | 3144.52 | 382.88 | 2761.64 | 150391.75 |
| 10 | 2025-08 | 3144.52 | 375.98 | 2768.54 | 147623.21 |
| 11 | 2025-09 | 3144.52 | 369.06 | 2775.46 | 144847.75 |
| 12 | 2025-10 | 3144.52 | 362.12 | 2782.40 | 142065.35 |
| 13 | 2025-11 | 3144.52 | 355.16 | 2789.36 | 139275.99 |
| 14 | 2025-12 | 3144.52 | 348.19 | 2796.33 | 136479.66 |
| 15 | 2026-01 | 3144.52 | 341.20 | 2803.32 | 133676.34 |
| 16 | 2026-02 | 3144.52 | 334.19 | 2810.33 | 130866.01 |
| 17 | 2026-03 | 3144.52 | 327.17 | 2817.36 | 128048.65 |
| 18 | 2026-04 | 3144.52 | 320.12 | 2824.40 | 125224.25 |
| 19 | 2026-05 | 3144.52 | 313.06 | 2831.46 | 122392.79 |
| 20 | 2026-06 | 3144.52 | 305.98 | 2838.54 | 119554.25 |
| 21 | 2026-07 | 3144.52 | 298.89 | 2845.64 | 116708.62 |
| 22 | 2026-08 | 3144.52 | 291.77 | 2852.75 | 113855.87 |
| 23 | 2026-09 | 3144.52 | 284.64 | 2859.88 | 110995.99 |
| 24 | 2026-10 | 3144.52 | 277.49 | 2867.03 | 108128.96 |
| 25 | 2026-11 | 3144.52 | 270.32 | 2874.20 | 105254.76 |
| 26 | 2026-12 | 3144.52 | 263.14 | 2881.38 | 102373.37 |
| 27 | 2027-01 | 3144.52 | 255.93 | 2888.59 | 99484.79 |
| 28 | 2027-02 | 3144.52 | 248.71 | 2895.81 | 96588.98 |
| 29 | 2027-03 | 3144.52 | 241.47 | 2903.05 | 93685.93 |
| 30 | 2027-04 | 3144.52 | 234.21 | 2910.31 | 90775.62 |
| 31 | 2027-05 | 3144.52 | 226.94 | 2917.58 | 87858.04 |
| 32 | 2027-06 | 3144.52 | 219.65 | 2924.88 | 84933.17 |
| 33 | 2027-07 | 3144.52 | 212.33 | 2932.19 | 82000.98 |
| 34 | 2027-08 | 3144.52 | 205.00 | 2939.52 | 79061.46 |
| 35 | 2027-09 | 3144.52 | 197.65 | 2946.87 | 76114.59 |
| 36 | 2027-10 | 3144.52 | 190.29 | 2954.23 | 73160.36 |
| 37 | 2027-11 | 3144.52 | 182.90 | 2961.62 | 70198.74 |
| 38 | 2027-12 | 3144.52 | 175.50 | 2969.02 | 67229.71 |
| 39 | 2028-01 | 3144.52 | 168.07 | 2976.45 | 64253.27 |
| 40 | 2028-02 | 3144.52 | 160.63 | 2983.89 | 61269.38 |
| 41 | 2028-03 | 3144.52 | 153.17 | 2991.35 | 58278.03 |
| 42 | 2028-04 | 3144.52 | 145.70 | 2998.83 | 55279.21 |
| 43 | 2028-05 | 3144.52 | 138.20 | 3006.32 | 52272.88 |
| 44 | 2028-06 | 3144.52 | 130.68 | 3013.84 | 49259.05 |
| 45 | 2028-07 | 3144.52 | 123.15 | 3021.37 | 46237.67 |
| 46 | 2028-08 | 3144.52 | 115.59 | 3028.93 | 43208.75 |
| 47 | 2028-09 | 3144.52 | 108.02 | 3036.50 | 40172.25 |
| 48 | 2028-10 | 3144.52 | 100.43 | 3044.09 | 37128.16 |
| 49 | 2028-11 | 3144.52 | 92.82 | 3051.70 | 34076.46 |
| 50 | 2028-12 | 3144.52 | 85.19 | 3059.33 | 31017.13 |
| 51 | 2029-01 | 3144.52 | 77.54 | 3066.98 | 27950.15 |
| 52 | 2029-02 | 3144.52 | 69.88 | 3074.65 | 24875.50 |
| 53 | 2029-03 | 3144.52 | 62.19 | 3082.33 | 21793.17 |
| 54 | 2029-04 | 3144.52 | 54.48 | 3090.04 | 18703.13 |
| 55 | 2029-05 | 3144.52 | 46.76 | 3097.76 | 15605.37 |
| 56 | 2029-06 | 3144.52 | 39.01 | 3105.51 | 12499.86 |
| 57 | 2029-07 | 3144.52 | 31.25 | 3113.27 | 9386.59 |
| 58 | 2029-08 | 3144.52 | 23.47 | 3121.05 | 6265.54 |
| 59 | 2029-09 | 3144.52 | 15.66 | 3128.86 | 3136.68 |
| 60 | 2029-10 | 3144.52 | 7.84 | 3136.68 | 0.00 |
等额本金还款方式：
贷款总额：17.5万
还款月数：5年
首月还款：3354.17元
每月递减：7.29元
利息总额：1.33万
本息合计：18.83万
节省利息：327.5元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 3354.17 | 437.50 | 2916.67 | 172083.33 |
| 2 | 2024-12 | 3346.88 | 430.21 | 2916.67 | 169166.67 |
| 3 | 2025-01 | 3339.58 | 422.92 | 2916.67 | 166250.00 |
| 4 | 2025-02 | 3332.29 | 415.63 | 2916.67 | 163333.33 |
| 5 | 2025-03 | 3325.00 | 408.33 | 2916.67 | 160416.67 |
| 6 | 2025-04 | 3317.71 | 401.04 | 2916.67 | 157500.00 |
| 7 | 2025-05 | 3310.42 | 393.75 | 2916.67 | 154583.33 |
| 8 | 2025-06 | 3303.13 | 386.46 | 2916.67 | 151666.67 |
| 9 | 2025-07 | 3295.83 | 379.17 | 2916.67 | 148750.00 |
| 10 | 2025-08 | 3288.54 | 371.88 | 2916.67 | 145833.33 |
| 11 | 2025-09 | 3281.25 | 364.58 | 2916.67 | 142916.67 |
| 12 | 2025-10 | 3273.96 | 357.29 | 2916.67 | 140000.00 |
| 13 | 2025-11 | 3266.67 | 350.00 | 2916.67 | 137083.33 |
| 14 | 2025-12 | 3259.38 | 342.71 | 2916.67 | 134166.67 |
| 15 | 2026-01 | 3252.08 | 335.42 | 2916.67 | 131250.00 |
| 16 | 2026-02 | 3244.79 | 328.13 | 2916.67 | 128333.33 |
| 17 | 2026-03 | 3237.50 | 320.83 | 2916.67 | 125416.67 |
| 18 | 2026-04 | 3230.21 | 313.54 | 2916.67 | 122500.00 |
| 19 | 2026-05 | 3222.92 | 306.25 | 2916.67 | 119583.33 |
| 20 | 2026-06 | 3215.63 | 298.96 | 2916.67 | 116666.67 |
| 21 | 2026-07 | 3208.33 | 291.67 | 2916.67 | 113750.00 |
| 22 | 2026-08 | 3201.04 | 284.38 | 2916.67 | 110833.33 |
| 23 | 2026-09 | 3193.75 | 277.08 | 2916.67 | 107916.67 |
| 24 | 2026-10 | 3186.46 | 269.79 | 2916.67 | 105000.00 |
| 25 | 2026-11 | 3179.17 | 262.50 | 2916.67 | 102083.33 |
| 26 | 2026-12 | 3171.88 | 255.21 | 2916.67 | 99166.67 |
| 27 | 2027-01 | 3164.58 | 247.92 | 2916.67 | 96250.00 |
| 28 | 2027-02 | 3157.29 | 240.63 | 2916.67 | 93333.33 |
| 29 | 2027-03 | 3150.00 | 233.33 | 2916.67 | 90416.67 |
| 30 | 2027-04 | 3142.71 | 226.04 | 2916.67 | 87500.00 |
| 31 | 2027-05 | 3135.42 | 218.75 | 2916.67 | 84583.33 |
| 32 | 2027-06 | 3128.13 | 211.46 | 2916.67 | 81666.67 |
| 33 | 2027-07 | 3120.83 | 204.17 | 2916.67 | 78750.00 |
| 34 | 2027-08 | 3113.54 | 196.88 | 2916.67 | 75833.33 |
| 35 | 2027-09 | 3106.25 | 189.58 | 2916.67 | 72916.67 |
| 36 | 2027-10 | 3098.96 | 182.29 | 2916.67 | 70000.00 |
| 37 | 2027-11 | 3091.67 | 175.00 | 2916.67 | 67083.33 |
| 38 | 2027-12 | 3084.38 | 167.71 | 2916.67 | 64166.67 |
| 39 | 2028-01 | 3077.08 | 160.42 | 2916.67 | 61250.00 |
| 40 | 2028-02 | 3069.79 | 153.13 | 2916.67 | 58333.33 |
| 41 | 2028-03 | 3062.50 | 145.83 | 2916.67 | 55416.67 |
| 42 | 2028-04 | 3055.21 | 138.54 | 2916.67 | 52500.00 |
| 43 | 2028-05 | 3047.92 | 131.25 | 2916.67 | 49583.33 |
| 44 | 2028-06 | 3040.63 | 123.96 | 2916.67 | 46666.67 |
| 45 | 2028-07 | 3033.33 | 116.67 | 2916.67 | 43750.00 |
| 46 | 2028-08 | 3026.04 | 109.38 | 2916.67 | 40833.33 |
| 47 | 2028-09 | 3018.75 | 102.08 | 2916.67 | 37916.67 |
| 48 | 2028-10 | 3011.46 | 94.79 | 2916.67 | 35000.00 |
| 49 | 2028-11 | 3004.17 | 87.50 | 2916.67 | 32083.33 |
| 50 | 2028-12 | 2996.88 | 80.21 | 2916.67 | 29166.67 |
| 51 | 2029-01 | 2989.58 | 72.92 | 2916.67 | 26250.00 |
| 52 | 2029-02 | 2982.29 | 65.63 | 2916.67 | 23333.33 |
| 53 | 2029-03 | 2975.00 | 58.33 | 2916.67 | 20416.67 |
| 54 | 2029-04 | 2967.71 | 51.04 | 2916.67 | 17500.00 |
| 55 | 2029-05 | 2960.42 | 43.75 | 2916.67 | 14583.33 |
| 56 | 2029-06 | 2953.13 | 36.46 | 2916.67 | 11666.67 |
| 57 | 2029-07 | 2945.83 | 29.17 | 2916.67 | 8750.00 |
| 58 | 2029-08 | 2938.54 | 21.88 | 2916.67 | 5833.33 |
| 59 | 2029-09 | 2931.25 | 14.58 | 2916.67 | 2916.67 |
| 60 | 2029-10 | 2923.96 | 7.29 | 2916.67 | 0.00 |