贷款29.5万（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：29.5万
还款月数：5年
每月还款：5333.6元
利息总额：2.5万
本息合计：32万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 5333.60 | 798.96 | 4534.64 | 290465.36 |
| 2 | 2025-03 | 5333.60 | 786.68 | 4546.92 | 285918.43 |
| 3 | 2025-04 | 5333.60 | 774.36 | 4559.24 | 281359.20 |
| 4 | 2025-05 | 5333.60 | 762.01 | 4571.59 | 276787.61 |
| 5 | 2025-06 | 5333.60 | 749.63 | 4583.97 | 272203.64 |
| 6 | 2025-07 | 5333.60 | 737.22 | 4596.38 | 267607.26 |
| 7 | 2025-08 | 5333.60 | 724.77 | 4608.83 | 262998.43 |
| 8 | 2025-09 | 5333.60 | 712.29 | 4621.31 | 258377.12 |
| 9 | 2025-10 | 5333.60 | 699.77 | 4633.83 | 253743.29 |
| 10 | 2025-11 | 5333.60 | 687.22 | 4646.38 | 249096.91 |
| 11 | 2025-12 | 5333.60 | 674.64 | 4658.96 | 244437.94 |
| 12 | 2026-01 | 5333.60 | 662.02 | 4671.58 | 239766.36 |
| 13 | 2026-02 | 5333.60 | 649.37 | 4684.23 | 235082.13 |
| 14 | 2026-03 | 5333.60 | 636.68 | 4696.92 | 230385.21 |
| 15 | 2026-04 | 5333.60 | 623.96 | 4709.64 | 225675.57 |
| 16 | 2026-05 | 5333.60 | 611.20 | 4722.40 | 220953.17 |
| 17 | 2026-06 | 5333.60 | 598.41 | 4735.19 | 216217.99 |
| 18 | 2026-07 | 5333.60 | 585.59 | 4748.01 | 211469.98 |
| 19 | 2026-08 | 5333.60 | 572.73 | 4760.87 | 206709.11 |
| 20 | 2026-09 | 5333.60 | 559.84 | 4773.76 | 201935.34 |
| 21 | 2026-10 | 5333.60 | 546.91 | 4786.69 | 197148.65 |
| 22 | 2026-11 | 5333.60 | 533.94 | 4799.66 | 192348.99 |
| 23 | 2026-12 | 5333.60 | 520.95 | 4812.66 | 187536.34 |
| 24 | 2027-01 | 5333.60 | 507.91 | 4825.69 | 182710.65 |
| 25 | 2027-02 | 5333.60 | 494.84 | 4838.76 | 177871.89 |
| 26 | 2027-03 | 5333.60 | 481.74 | 4851.86 | 173020.03 |
| 27 | 2027-04 | 5333.60 | 468.60 | 4865.00 | 168155.02 |
| 28 | 2027-05 | 5333.60 | 455.42 | 4878.18 | 163276.84 |
| 29 | 2027-06 | 5333.60 | 442.21 | 4891.39 | 158385.45 |
| 30 | 2027-07 | 5333.60 | 428.96 | 4904.64 | 153480.81 |
| 31 | 2027-08 | 5333.60 | 415.68 | 4917.92 | 148562.88 |
| 32 | 2027-09 | 5333.60 | 402.36 | 4931.24 | 143631.64 |
| 33 | 2027-10 | 5333.60 | 389.00 | 4944.60 | 138687.04 |
| 34 | 2027-11 | 5333.60 | 375.61 | 4957.99 | 133729.05 |
| 35 | 2027-12 | 5333.60 | 362.18 | 4971.42 | 128757.63 |
| 36 | 2028-01 | 5333.60 | 348.72 | 4984.88 | 123772.75 |
| 37 | 2028-02 | 5333.60 | 335.22 | 4998.38 | 118774.37 |
| 38 | 2028-03 | 5333.60 | 321.68 | 5011.92 | 113762.45 |
| 39 | 2028-04 | 5333.60 | 308.11 | 5025.49 | 108736.96 |
| 40 | 2028-05 | 5333.60 | 294.50 | 5039.10 | 103697.85 |
| 41 | 2028-06 | 5333.60 | 280.85 | 5052.75 | 98645.10 |
| 42 | 2028-07 | 5333.60 | 267.16 | 5066.44 | 93578.66 |
| 43 | 2028-08 | 5333.60 | 253.44 | 5080.16 | 88498.50 |
| 44 | 2028-09 | 5333.60 | 239.68 | 5093.92 | 83404.59 |
| 45 | 2028-10 | 5333.60 | 225.89 | 5107.71 | 78296.87 |
| 46 | 2028-11 | 5333.60 | 212.05 | 5121.55 | 73175.33 |
| 47 | 2028-12 | 5333.60 | 198.18 | 5135.42 | 68039.91 |
| 48 | 2029-01 | 5333.60 | 184.27 | 5149.33 | 62890.58 |
| 49 | 2029-02 | 5333.60 | 170.33 | 5163.27 | 57727.31 |
| 50 | 2029-03 | 5333.60 | 156.34 | 5177.26 | 52550.05 |
| 51 | 2029-04 | 5333.60 | 142.32 | 5191.28 | 47358.78 |
| 52 | 2029-05 | 5333.60 | 128.26 | 5205.34 | 42153.44 |
| 53 | 2029-06 | 5333.60 | 114.17 | 5219.44 | 36934.00 |
| 54 | 2029-07 | 5333.60 | 100.03 | 5233.57 | 31700.43 |
| 55 | 2029-08 | 5333.60 | 85.86 | 5247.75 | 26452.69 |
| 56 | 2029-09 | 5333.60 | 71.64 | 5261.96 | 21190.73 |
| 57 | 2029-10 | 5333.60 | 57.39 | 5276.21 | 15914.52 |
| 58 | 2029-11 | 5333.60 | 43.10 | 5290.50 | 10624.02 |
| 59 | 2029-12 | 5333.60 | 28.77 | 5304.83 | 5319.19 |
| 60 | 2030-01 | 5333.60 | 14.41 | 5319.19 | 0.00 |
等额本金还款方式：
贷款总额：29.5万
还款月数：5年
首月还款：5715.63元
每月递减：13.32元
利息总额：2.44万
本息合计：31.94万
节省利息：647.81元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 5715.63 | 798.96 | 4916.67 | 290083.33 |
| 2 | 2025-03 | 5702.31 | 785.64 | 4916.67 | 285166.67 |
| 3 | 2025-04 | 5688.99 | 772.33 | 4916.67 | 280250.00 |
| 4 | 2025-05 | 5675.68 | 759.01 | 4916.67 | 275333.33 |
| 5 | 2025-06 | 5662.36 | 745.69 | 4916.67 | 270416.67 |
| 6 | 2025-07 | 5649.05 | 732.38 | 4916.67 | 265500.00 |
| 7 | 2025-08 | 5635.73 | 719.06 | 4916.67 | 260583.33 |
| 8 | 2025-09 | 5622.41 | 705.75 | 4916.67 | 255666.67 |
| 9 | 2025-10 | 5609.10 | 692.43 | 4916.67 | 250750.00 |
| 10 | 2025-11 | 5595.78 | 679.11 | 4916.67 | 245833.33 |
| 11 | 2025-12 | 5582.47 | 665.80 | 4916.67 | 240916.67 |
| 12 | 2026-01 | 5569.15 | 652.48 | 4916.67 | 236000.00 |
| 13 | 2026-02 | 5555.83 | 639.17 | 4916.67 | 231083.33 |
| 14 | 2026-03 | 5542.52 | 625.85 | 4916.67 | 226166.67 |
| 15 | 2026-04 | 5529.20 | 612.53 | 4916.67 | 221250.00 |
| 16 | 2026-05 | 5515.89 | 599.22 | 4916.67 | 216333.33 |
| 17 | 2026-06 | 5502.57 | 585.90 | 4916.67 | 211416.67 |
| 18 | 2026-07 | 5489.25 | 572.59 | 4916.67 | 206500.00 |
| 19 | 2026-08 | 5475.94 | 559.27 | 4916.67 | 201583.33 |
| 20 | 2026-09 | 5462.62 | 545.95 | 4916.67 | 196666.67 |
| 21 | 2026-10 | 5449.31 | 532.64 | 4916.67 | 191750.00 |
| 22 | 2026-11 | 5435.99 | 519.32 | 4916.67 | 186833.33 |
| 23 | 2026-12 | 5422.67 | 506.01 | 4916.67 | 181916.67 |
| 24 | 2027-01 | 5409.36 | 492.69 | 4916.67 | 177000.00 |
| 25 | 2027-02 | 5396.04 | 479.38 | 4916.67 | 172083.33 |
| 26 | 2027-03 | 5382.73 | 466.06 | 4916.67 | 167166.67 |
| 27 | 2027-04 | 5369.41 | 452.74 | 4916.67 | 162250.00 |
| 28 | 2027-05 | 5356.09 | 439.43 | 4916.67 | 157333.33 |
| 29 | 2027-06 | 5342.78 | 426.11 | 4916.67 | 152416.67 |
| 30 | 2027-07 | 5329.46 | 412.80 | 4916.67 | 147500.00 |
| 31 | 2027-08 | 5316.15 | 399.48 | 4916.67 | 142583.33 |
| 32 | 2027-09 | 5302.83 | 386.16 | 4916.67 | 137666.67 |
| 33 | 2027-10 | 5289.51 | 372.85 | 4916.67 | 132750.00 |
| 34 | 2027-11 | 5276.20 | 359.53 | 4916.67 | 127833.33 |
| 35 | 2027-12 | 5262.88 | 346.22 | 4916.67 | 122916.67 |
| 36 | 2028-01 | 5249.57 | 332.90 | 4916.67 | 118000.00 |
| 37 | 2028-02 | 5236.25 | 319.58 | 4916.67 | 113083.33 |
| 38 | 2028-03 | 5222.93 | 306.27 | 4916.67 | 108166.67 |
| 39 | 2028-04 | 5209.62 | 292.95 | 4916.67 | 103250.00 |
| 40 | 2028-05 | 5196.30 | 279.64 | 4916.67 | 98333.33 |
| 41 | 2028-06 | 5182.99 | 266.32 | 4916.67 | 93416.67 |
| 42 | 2028-07 | 5169.67 | 253.00 | 4916.67 | 88500.00 |
| 43 | 2028-08 | 5156.35 | 239.69 | 4916.67 | 83583.33 |
| 44 | 2028-09 | 5143.04 | 226.37 | 4916.67 | 78666.67 |
| 45 | 2028-10 | 5129.72 | 213.06 | 4916.67 | 73750.00 |
| 46 | 2028-11 | 5116.41 | 199.74 | 4916.67 | 68833.33 |
| 47 | 2028-12 | 5103.09 | 186.42 | 4916.67 | 63916.67 |
| 48 | 2029-01 | 5089.77 | 173.11 | 4916.67 | 59000.00 |
| 49 | 2029-02 | 5076.46 | 159.79 | 4916.67 | 54083.33 |
| 50 | 2029-03 | 5063.14 | 146.48 | 4916.67 | 49166.67 |
| 51 | 2029-04 | 5049.83 | 133.16 | 4916.67 | 44250.00 |
| 52 | 2029-05 | 5036.51 | 119.84 | 4916.67 | 39333.33 |
| 53 | 2029-06 | 5023.19 | 106.53 | 4916.67 | 34416.67 |
| 54 | 2029-07 | 5009.88 | 93.21 | 4916.67 | 29500.00 |
| 55 | 2029-08 | 4996.56 | 79.90 | 4916.67 | 24583.33 |
| 56 | 2029-09 | 4983.25 | 66.58 | 4916.67 | 19666.67 |
| 57 | 2029-10 | 4969.93 | 53.26 | 4916.67 | 14750.00 |
| 58 | 2029-11 | 4956.61 | 39.95 | 4916.67 | 9833.33 |
| 59 | 2029-12 | 4943.30 | 26.63 | 4916.67 | 4916.67 |
| 60 | 2030-01 | 4929.98 | 13.32 | 4916.67 | 0.00 |