贷款34万（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：34万
还款月数：5年
每月还款：6049.11元
利息总额：2.29万
本息合计：36.29万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 6049.11 | 736.67 | 5312.44 | 334687.56 |
| 2 | 2024-05 | 6049.11 | 725.16 | 5323.95 | 329363.61 |
| 3 | 2024-06 | 6049.11 | 713.62 | 5335.49 | 324028.13 |
| 4 | 2024-07 | 6049.11 | 702.06 | 5347.05 | 318681.08 |
| 5 | 2024-08 | 6049.11 | 690.48 | 5358.63 | 313322.45 |
| 6 | 2024-09 | 6049.11 | 678.87 | 5370.24 | 307952.21 |
| 7 | 2024-10 | 6049.11 | 667.23 | 5381.88 | 302570.33 |
| 8 | 2024-11 | 6049.11 | 655.57 | 5393.54 | 297176.79 |
| 9 | 2024-12 | 6049.11 | 643.88 | 5405.22 | 291771.57 |
| 10 | 2025-01 | 6049.11 | 632.17 | 5416.93 | 286354.64 |
| 11 | 2025-02 | 6049.11 | 620.44 | 5428.67 | 280925.96 |
| 12 | 2025-03 | 6049.11 | 608.67 | 5440.43 | 275485.53 |
| 13 | 2025-04 | 6049.11 | 596.89 | 5452.22 | 270033.31 |
| 14 | 2025-05 | 6049.11 | 585.07 | 5464.03 | 264569.28 |
| 15 | 2025-06 | 6049.11 | 573.23 | 5475.87 | 259093.40 |
| 16 | 2025-07 | 6049.11 | 561.37 | 5487.74 | 253605.67 |
| 17 | 2025-08 | 6049.11 | 549.48 | 5499.63 | 248106.04 |
| 18 | 2025-09 | 6049.11 | 537.56 | 5511.54 | 242594.50 |
| 19 | 2025-10 | 6049.11 | 525.62 | 5523.48 | 237071.01 |
| 20 | 2025-11 | 6049.11 | 513.65 | 5535.45 | 231535.56 |
| 21 | 2025-12 | 6049.11 | 501.66 | 5547.45 | 225988.11 |
| 22 | 2026-01 | 6049.11 | 489.64 | 5559.47 | 220428.65 |
| 23 | 2026-02 | 6049.11 | 477.60 | 5571.51 | 214857.14 |
| 24 | 2026-03 | 6049.11 | 465.52 | 5583.58 | 209273.55 |
| 25 | 2026-04 | 6049.11 | 453.43 | 5595.68 | 203677.87 |
| 26 | 2026-05 | 6049.11 | 441.30 | 5607.80 | 198070.07 |
| 27 | 2026-06 | 6049.11 | 429.15 | 5619.95 | 192450.11 |
| 28 | 2026-07 | 6049.11 | 416.98 | 5632.13 | 186817.98 |
| 29 | 2026-08 | 6049.11 | 404.77 | 5644.33 | 181173.65 |
| 30 | 2026-09 | 6049.11 | 392.54 | 5656.56 | 175517.09 |
| 31 | 2026-10 | 6049.11 | 380.29 | 5668.82 | 169848.27 |
| 32 | 2026-11 | 6049.11 | 368.00 | 5681.10 | 164167.16 |
| 33 | 2026-12 | 6049.11 | 355.70 | 5693.41 | 158473.75 |
| 34 | 2027-01 | 6049.11 | 343.36 | 5705.75 | 152768.01 |
| 35 | 2027-02 | 6049.11 | 331.00 | 5718.11 | 147049.90 |
| 36 | 2027-03 | 6049.11 | 318.61 | 5730.50 | 141319.40 |
| 37 | 2027-04 | 6049.11 | 306.19 | 5742.91 | 135576.48 |
| 38 | 2027-05 | 6049.11 | 293.75 | 5755.36 | 129821.13 |
| 39 | 2027-06 | 6049.11 | 281.28 | 5767.83 | 124053.30 |
| 40 | 2027-07 | 6049.11 | 268.78 | 5780.32 | 118272.98 |
| 41 | 2027-08 | 6049.11 | 256.26 | 5792.85 | 112480.13 |
| 42 | 2027-09 | 6049.11 | 243.71 | 5805.40 | 106674.73 |
| 43 | 2027-10 | 6049.11 | 231.13 | 5817.98 | 100856.75 |
| 44 | 2027-11 | 6049.11 | 218.52 | 5830.58 | 95026.17 |
| 45 | 2027-12 | 6049.11 | 205.89 | 5843.22 | 89182.95 |
| 46 | 2028-01 | 6049.11 | 193.23 | 5855.88 | 83327.07 |
| 47 | 2028-02 | 6049.11 | 180.54 | 5868.56 | 77458.51 |
| 48 | 2028-03 | 6049.11 | 167.83 | 5881.28 | 71577.23 |
| 49 | 2028-04 | 6049.11 | 155.08 | 5894.02 | 65683.21 |
| 50 | 2028-05 | 6049.11 | 142.31 | 5906.79 | 59776.42 |
| 51 | 2028-06 | 6049.11 | 129.52 | 5919.59 | 53856.82 |
| 52 | 2028-07 | 6049.11 | 116.69 | 5932.42 | 47924.41 |
| 53 | 2028-08 | 6049.11 | 103.84 | 5945.27 | 41979.14 |
| 54 | 2028-09 | 6049.11 | 90.95 | 5958.15 | 36020.99 |
| 55 | 2028-10 | 6049.11 | 78.05 | 5971.06 | 30049.93 |
| 56 | 2028-11 | 6049.11 | 65.11 | 5984.00 | 24065.93 |
| 57 | 2028-12 | 6049.11 | 52.14 | 5996.96 | 18068.96 |
| 58 | 2029-01 | 6049.11 | 39.15 | 6009.96 | 12059.01 |
| 59 | 2029-02 | 6049.11 | 26.13 | 6022.98 | 6036.03 |
| 60 | 2029-03 | 6049.11 | 13.08 | 6036.03 | 0.00 |
等额本金还款方式：
贷款总额：34万
还款月数：5年
首月还款：6403.33元
每月递减：12.28元
利息总额：2.25万
本息合计：36.25万
节省利息：478.05元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 6403.33 | 736.67 | 5666.67 | 334333.33 |
| 2 | 2024-05 | 6391.06 | 724.39 | 5666.67 | 328666.67 |
| 3 | 2024-06 | 6378.78 | 712.11 | 5666.67 | 323000.00 |
| 4 | 2024-07 | 6366.50 | 699.83 | 5666.67 | 317333.33 |
| 5 | 2024-08 | 6354.22 | 687.56 | 5666.67 | 311666.67 |
| 6 | 2024-09 | 6341.94 | 675.28 | 5666.67 | 306000.00 |
| 7 | 2024-10 | 6329.67 | 663.00 | 5666.67 | 300333.33 |
| 8 | 2024-11 | 6317.39 | 650.72 | 5666.67 | 294666.67 |
| 9 | 2024-12 | 6305.11 | 638.44 | 5666.67 | 289000.00 |
| 10 | 2025-01 | 6292.83 | 626.17 | 5666.67 | 283333.33 |
| 11 | 2025-02 | 6280.56 | 613.89 | 5666.67 | 277666.67 |
| 12 | 2025-03 | 6268.28 | 601.61 | 5666.67 | 272000.00 |
| 13 | 2025-04 | 6256.00 | 589.33 | 5666.67 | 266333.33 |
| 14 | 2025-05 | 6243.72 | 577.06 | 5666.67 | 260666.67 |
| 15 | 2025-06 | 6231.44 | 564.78 | 5666.67 | 255000.00 |
| 16 | 2025-07 | 6219.17 | 552.50 | 5666.67 | 249333.33 |
| 17 | 2025-08 | 6206.89 | 540.22 | 5666.67 | 243666.67 |
| 18 | 2025-09 | 6194.61 | 527.94 | 5666.67 | 238000.00 |
| 19 | 2025-10 | 6182.33 | 515.67 | 5666.67 | 232333.33 |
| 20 | 2025-11 | 6170.06 | 503.39 | 5666.67 | 226666.67 |
| 21 | 2025-12 | 6157.78 | 491.11 | 5666.67 | 221000.00 |
| 22 | 2026-01 | 6145.50 | 478.83 | 5666.67 | 215333.33 |
| 23 | 2026-02 | 6133.22 | 466.56 | 5666.67 | 209666.67 |
| 24 | 2026-03 | 6120.94 | 454.28 | 5666.67 | 204000.00 |
| 25 | 2026-04 | 6108.67 | 442.00 | 5666.67 | 198333.33 |
| 26 | 2026-05 | 6096.39 | 429.72 | 5666.67 | 192666.67 |
| 27 | 2026-06 | 6084.11 | 417.44 | 5666.67 | 187000.00 |
| 28 | 2026-07 | 6071.83 | 405.17 | 5666.67 | 181333.33 |
| 29 | 2026-08 | 6059.56 | 392.89 | 5666.67 | 175666.67 |
| 30 | 2026-09 | 6047.28 | 380.61 | 5666.67 | 170000.00 |
| 31 | 2026-10 | 6035.00 | 368.33 | 5666.67 | 164333.33 |
| 32 | 2026-11 | 6022.72 | 356.06 | 5666.67 | 158666.67 |
| 33 | 2026-12 | 6010.44 | 343.78 | 5666.67 | 153000.00 |
| 34 | 2027-01 | 5998.17 | 331.50 | 5666.67 | 147333.33 |
| 35 | 2027-02 | 5985.89 | 319.22 | 5666.67 | 141666.67 |
| 36 | 2027-03 | 5973.61 | 306.94 | 5666.67 | 136000.00 |
| 37 | 2027-04 | 5961.33 | 294.67 | 5666.67 | 130333.33 |
| 38 | 2027-05 | 5949.06 | 282.39 | 5666.67 | 124666.67 |
| 39 | 2027-06 | 5936.78 | 270.11 | 5666.67 | 119000.00 |
| 40 | 2027-07 | 5924.50 | 257.83 | 5666.67 | 113333.33 |
| 41 | 2027-08 | 5912.22 | 245.56 | 5666.67 | 107666.67 |
| 42 | 2027-09 | 5899.94 | 233.28 | 5666.67 | 102000.00 |
| 43 | 2027-10 | 5887.67 | 221.00 | 5666.67 | 96333.33 |
| 44 | 2027-11 | 5875.39 | 208.72 | 5666.67 | 90666.67 |
| 45 | 2027-12 | 5863.11 | 196.44 | 5666.67 | 85000.00 |
| 46 | 2028-01 | 5850.83 | 184.17 | 5666.67 | 79333.33 |
| 47 | 2028-02 | 5838.56 | 171.89 | 5666.67 | 73666.67 |
| 48 | 2028-03 | 5826.28 | 159.61 | 5666.67 | 68000.00 |
| 49 | 2028-04 | 5814.00 | 147.33 | 5666.67 | 62333.33 |
| 50 | 2028-05 | 5801.72 | 135.06 | 5666.67 | 56666.67 |
| 51 | 2028-06 | 5789.44 | 122.78 | 5666.67 | 51000.00 |
| 52 | 2028-07 | 5777.17 | 110.50 | 5666.67 | 45333.33 |
| 53 | 2028-08 | 5764.89 | 98.22 | 5666.67 | 39666.67 |
| 54 | 2028-09 | 5752.61 | 85.94 | 5666.67 | 34000.00 |
| 55 | 2028-10 | 5740.33 | 73.67 | 5666.67 | 28333.33 |
| 56 | 2028-11 | 5728.06 | 61.39 | 5666.67 | 22666.67 |
| 57 | 2028-12 | 5715.78 | 49.11 | 5666.67 | 17000.00 |
| 58 | 2029-01 | 5703.50 | 36.83 | 5666.67 | 11333.33 |
| 59 | 2029-02 | 5691.22 | 24.56 | 5666.67 | 5666.67 |
| 60 | 2029-03 | 5678.94 | 12.28 | 5666.67 | 0.00 |