贷款1.5万（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：1.5万
还款月数：5年
每月还款：265.22元
利息总额：913.17元
本息合计：1.59万
| 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 | 265.22 | 29.37 | 235.84 | 14764.16 |
| 2 | 2024-09 | 265.22 | 28.91 | 236.31 | 14527.85 |
| 3 | 2024-10 | 265.22 | 28.45 | 236.77 | 14291.08 |
| 4 | 2024-11 | 265.22 | 27.99 | 237.23 | 14053.85 |
| 5 | 2024-12 | 265.22 | 27.52 | 237.70 | 13816.15 |
| 6 | 2025-01 | 265.22 | 27.06 | 238.16 | 13577.99 |
| 7 | 2025-02 | 265.22 | 26.59 | 238.63 | 13339.36 |
| 8 | 2025-03 | 265.22 | 26.12 | 239.10 | 13100.26 |
| 9 | 2025-04 | 265.22 | 25.65 | 239.56 | 12860.70 |
| 10 | 2025-05 | 265.22 | 25.19 | 240.03 | 12620.66 |
| 11 | 2025-06 | 265.22 | 24.72 | 240.50 | 12380.16 |
| 12 | 2025-07 | 265.22 | 24.24 | 240.98 | 12139.18 |
| 13 | 2025-08 | 265.22 | 23.77 | 241.45 | 11897.74 |
| 14 | 2025-09 | 265.22 | 23.30 | 241.92 | 11655.82 |
| 15 | 2025-10 | 265.22 | 22.83 | 242.39 | 11413.42 |
| 16 | 2025-11 | 265.22 | 22.35 | 242.87 | 11170.55 |
| 17 | 2025-12 | 265.22 | 21.88 | 243.34 | 10927.21 |
| 18 | 2026-01 | 265.22 | 21.40 | 243.82 | 10683.39 |
| 19 | 2026-02 | 265.22 | 20.92 | 244.30 | 10439.09 |
| 20 | 2026-03 | 265.22 | 20.44 | 244.78 | 10194.32 |
| 21 | 2026-04 | 265.22 | 19.96 | 245.26 | 9949.06 |
| 22 | 2026-05 | 265.22 | 19.48 | 245.74 | 9703.33 |
| 23 | 2026-06 | 265.22 | 19.00 | 246.22 | 9457.11 |
| 24 | 2026-07 | 265.22 | 18.52 | 246.70 | 9210.41 |
| 25 | 2026-08 | 265.22 | 18.04 | 247.18 | 8963.23 |
| 26 | 2026-09 | 265.22 | 17.55 | 247.67 | 8715.56 |
| 27 | 2026-10 | 265.22 | 17.07 | 248.15 | 8467.41 |
| 28 | 2026-11 | 265.22 | 16.58 | 248.64 | 8218.77 |
| 29 | 2026-12 | 265.22 | 16.10 | 249.12 | 7969.65 |
| 30 | 2027-01 | 265.22 | 15.61 | 249.61 | 7720.03 |
| 31 | 2027-02 | 265.22 | 15.12 | 250.10 | 7469.93 |
| 32 | 2027-03 | 265.22 | 14.63 | 250.59 | 7219.34 |
| 33 | 2027-04 | 265.22 | 14.14 | 251.08 | 6968.26 |
| 34 | 2027-05 | 265.22 | 13.65 | 251.57 | 6716.69 |
| 35 | 2027-06 | 265.22 | 13.15 | 252.07 | 6464.62 |
| 36 | 2027-07 | 265.22 | 12.66 | 252.56 | 6212.06 |
| 37 | 2027-08 | 265.22 | 12.17 | 253.05 | 5959.01 |
| 38 | 2027-09 | 265.22 | 11.67 | 253.55 | 5705.46 |
| 39 | 2027-10 | 265.22 | 11.17 | 254.05 | 5451.41 |
| 40 | 2027-11 | 265.22 | 10.68 | 254.54 | 5196.87 |
| 41 | 2027-12 | 265.22 | 10.18 | 255.04 | 4941.82 |
| 42 | 2028-01 | 265.22 | 9.68 | 255.54 | 4686.28 |
| 43 | 2028-02 | 265.22 | 9.18 | 256.04 | 4430.24 |
| 44 | 2028-03 | 265.22 | 8.68 | 256.54 | 4173.70 |
| 45 | 2028-04 | 265.22 | 8.17 | 257.05 | 3916.65 |
| 46 | 2028-05 | 265.22 | 7.67 | 257.55 | 3659.10 |
| 47 | 2028-06 | 265.22 | 7.17 | 258.05 | 3401.05 |
| 48 | 2028-07 | 265.22 | 6.66 | 258.56 | 3142.49 |
| 49 | 2028-08 | 265.22 | 6.15 | 259.07 | 2883.42 |
| 50 | 2028-09 | 265.22 | 5.65 | 259.57 | 2623.85 |
| 51 | 2028-10 | 265.22 | 5.14 | 260.08 | 2363.77 |
| 52 | 2028-11 | 265.22 | 4.63 | 260.59 | 2103.18 |
| 53 | 2028-12 | 265.22 | 4.12 | 261.10 | 1842.08 |
| 54 | 2029-01 | 265.22 | 3.61 | 261.61 | 1580.47 |
| 55 | 2029-02 | 265.22 | 3.10 | 262.12 | 1318.34 |
| 56 | 2029-03 | 265.22 | 2.58 | 262.64 | 1055.70 |
| 57 | 2029-04 | 265.22 | 2.07 | 263.15 | 792.55 |
| 58 | 2029-05 | 265.22 | 1.55 | 263.67 | 528.88 |
| 59 | 2029-06 | 265.22 | 1.04 | 264.18 | 264.70 |
| 60 | 2029-07 | 265.22 | 0.52 | 264.70 | 0.00 |
等额本金还款方式：
贷款总额：1.5万
还款月数：5年
首月还款：279.38元
每月递减：0.49元
利息总额：895.94元
本息合计：1.59万
节省利息：17.23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 | 279.38 | 29.37 | 250.00 | 14750.00 |
| 2 | 2024-09 | 278.89 | 28.89 | 250.00 | 14500.00 |
| 3 | 2024-10 | 278.40 | 28.40 | 250.00 | 14250.00 |
| 4 | 2024-11 | 277.91 | 27.91 | 250.00 | 14000.00 |
| 5 | 2024-12 | 277.42 | 27.42 | 250.00 | 13750.00 |
| 6 | 2025-01 | 276.93 | 26.93 | 250.00 | 13500.00 |
| 7 | 2025-02 | 276.44 | 26.44 | 250.00 | 13250.00 |
| 8 | 2025-03 | 275.95 | 25.95 | 250.00 | 13000.00 |
| 9 | 2025-04 | 275.46 | 25.46 | 250.00 | 12750.00 |
| 10 | 2025-05 | 274.97 | 24.97 | 250.00 | 12500.00 |
| 11 | 2025-06 | 274.48 | 24.48 | 250.00 | 12250.00 |
| 12 | 2025-07 | 273.99 | 23.99 | 250.00 | 12000.00 |
| 13 | 2025-08 | 273.50 | 23.50 | 250.00 | 11750.00 |
| 14 | 2025-09 | 273.01 | 23.01 | 250.00 | 11500.00 |
| 15 | 2025-10 | 272.52 | 22.52 | 250.00 | 11250.00 |
| 16 | 2025-11 | 272.03 | 22.03 | 250.00 | 11000.00 |
| 17 | 2025-12 | 271.54 | 21.54 | 250.00 | 10750.00 |
| 18 | 2026-01 | 271.05 | 21.05 | 250.00 | 10500.00 |
| 19 | 2026-02 | 270.56 | 20.56 | 250.00 | 10250.00 |
| 20 | 2026-03 | 270.07 | 20.07 | 250.00 | 10000.00 |
| 21 | 2026-04 | 269.58 | 19.58 | 250.00 | 9750.00 |
| 22 | 2026-05 | 269.09 | 19.09 | 250.00 | 9500.00 |
| 23 | 2026-06 | 268.60 | 18.60 | 250.00 | 9250.00 |
| 24 | 2026-07 | 268.11 | 18.11 | 250.00 | 9000.00 |
| 25 | 2026-08 | 267.63 | 17.63 | 250.00 | 8750.00 |
| 26 | 2026-09 | 267.14 | 17.14 | 250.00 | 8500.00 |
| 27 | 2026-10 | 266.65 | 16.65 | 250.00 | 8250.00 |
| 28 | 2026-11 | 266.16 | 16.16 | 250.00 | 8000.00 |
| 29 | 2026-12 | 265.67 | 15.67 | 250.00 | 7750.00 |
| 30 | 2027-01 | 265.18 | 15.18 | 250.00 | 7500.00 |
| 31 | 2027-02 | 264.69 | 14.69 | 250.00 | 7250.00 |
| 32 | 2027-03 | 264.20 | 14.20 | 250.00 | 7000.00 |
| 33 | 2027-04 | 263.71 | 13.71 | 250.00 | 6750.00 |
| 34 | 2027-05 | 263.22 | 13.22 | 250.00 | 6500.00 |
| 35 | 2027-06 | 262.73 | 12.73 | 250.00 | 6250.00 |
| 36 | 2027-07 | 262.24 | 12.24 | 250.00 | 6000.00 |
| 37 | 2027-08 | 261.75 | 11.75 | 250.00 | 5750.00 |
| 38 | 2027-09 | 261.26 | 11.26 | 250.00 | 5500.00 |
| 39 | 2027-10 | 260.77 | 10.77 | 250.00 | 5250.00 |
| 40 | 2027-11 | 260.28 | 10.28 | 250.00 | 5000.00 |
| 41 | 2027-12 | 259.79 | 9.79 | 250.00 | 4750.00 |
| 42 | 2028-01 | 259.30 | 9.30 | 250.00 | 4500.00 |
| 43 | 2028-02 | 258.81 | 8.81 | 250.00 | 4250.00 |
| 44 | 2028-03 | 258.32 | 8.32 | 250.00 | 4000.00 |
| 45 | 2028-04 | 257.83 | 7.83 | 250.00 | 3750.00 |
| 46 | 2028-05 | 257.34 | 7.34 | 250.00 | 3500.00 |
| 47 | 2028-06 | 256.85 | 6.85 | 250.00 | 3250.00 |
| 48 | 2028-07 | 256.36 | 6.36 | 250.00 | 3000.00 |
| 49 | 2028-08 | 255.88 | 5.88 | 250.00 | 2750.00 |
| 50 | 2028-09 | 255.39 | 5.39 | 250.00 | 2500.00 |
| 51 | 2028-10 | 254.90 | 4.90 | 250.00 | 2250.00 |
| 52 | 2028-11 | 254.41 | 4.41 | 250.00 | 2000.00 |
| 53 | 2028-12 | 253.92 | 3.92 | 250.00 | 1750.00 |
| 54 | 2029-01 | 253.43 | 3.43 | 250.00 | 1500.00 |
| 55 | 2029-02 | 252.94 | 2.94 | 250.00 | 1250.00 |
| 56 | 2029-03 | 252.45 | 2.45 | 250.00 | 1000.00 |
| 57 | 2029-04 | 251.96 | 1.96 | 250.00 | 750.00 |
| 58 | 2029-05 | 251.47 | 1.47 | 250.00 | 500.00 |
| 59 | 2029-06 | 250.98 | 0.98 | 250.00 | 250.00 |
| 60 | 2029-07 | 250.49 | 0.49 | 250.00 | 0.00 |