贷款30.72万（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：30.72万
还款月数：5年
每月还款：5534.06元
利息总额：2.48万
本息合计：33.2万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 5534.06 | 793.66 | 4740.40 | 302482.60 |
| 2 | 2024-10 | 5534.06 | 781.41 | 4752.64 | 297729.96 |
| 3 | 2024-11 | 5534.06 | 769.14 | 4764.92 | 292965.03 |
| 4 | 2024-12 | 5534.06 | 756.83 | 4777.23 | 288187.80 |
| 5 | 2025-01 | 5534.06 | 744.49 | 4789.57 | 283398.23 |
| 6 | 2025-02 | 5534.06 | 732.11 | 4801.95 | 278596.28 |
| 7 | 2025-03 | 5534.06 | 719.71 | 4814.35 | 273781.93 |
| 8 | 2025-04 | 5534.06 | 707.27 | 4826.79 | 268955.14 |
| 9 | 2025-05 | 5534.06 | 694.80 | 4839.26 | 264115.89 |
| 10 | 2025-06 | 5534.06 | 682.30 | 4851.76 | 259264.13 |
| 11 | 2025-07 | 5534.06 | 669.77 | 4864.29 | 254399.84 |
| 12 | 2025-08 | 5534.06 | 657.20 | 4876.86 | 249522.98 |
| 13 | 2025-09 | 5534.06 | 644.60 | 4889.46 | 244633.52 |
| 14 | 2025-10 | 5534.06 | 631.97 | 4902.09 | 239731.43 |
| 15 | 2025-11 | 5534.06 | 619.31 | 4914.75 | 234816.68 |
| 16 | 2025-12 | 5534.06 | 606.61 | 4927.45 | 229889.23 |
| 17 | 2026-01 | 5534.06 | 593.88 | 4940.18 | 224949.05 |
| 18 | 2026-02 | 5534.06 | 581.12 | 4952.94 | 219996.11 |
| 19 | 2026-03 | 5534.06 | 568.32 | 4965.73 | 215030.38 |
| 20 | 2026-04 | 5534.06 | 555.50 | 4978.56 | 210051.82 |
| 21 | 2026-05 | 5534.06 | 542.63 | 4991.42 | 205060.39 |
| 22 | 2026-06 | 5534.06 | 529.74 | 5004.32 | 200056.07 |
| 23 | 2026-07 | 5534.06 | 516.81 | 5017.25 | 195038.83 |
| 24 | 2026-08 | 5534.06 | 503.85 | 5030.21 | 190008.62 |
| 25 | 2026-09 | 5534.06 | 490.86 | 5043.20 | 184965.42 |
| 26 | 2026-10 | 5534.06 | 477.83 | 5056.23 | 179909.18 |
| 27 | 2026-11 | 5534.06 | 464.77 | 5069.29 | 174839.89 |
| 28 | 2026-12 | 5534.06 | 451.67 | 5082.39 | 169757.50 |
| 29 | 2027-01 | 5534.06 | 438.54 | 5095.52 | 164661.99 |
| 30 | 2027-02 | 5534.06 | 425.38 | 5108.68 | 159553.30 |
| 31 | 2027-03 | 5534.06 | 412.18 | 5121.88 | 154431.43 |
| 32 | 2027-04 | 5534.06 | 398.95 | 5135.11 | 149296.32 |
| 33 | 2027-05 | 5534.06 | 385.68 | 5148.38 | 144147.94 |
| 34 | 2027-06 | 5534.06 | 372.38 | 5161.68 | 138986.26 |
| 35 | 2027-07 | 5534.06 | 359.05 | 5175.01 | 133811.25 |
| 36 | 2027-08 | 5534.06 | 345.68 | 5188.38 | 128622.87 |
| 37 | 2027-09 | 5534.06 | 332.28 | 5201.78 | 123421.09 |
| 38 | 2027-10 | 5534.06 | 318.84 | 5215.22 | 118205.87 |
| 39 | 2027-11 | 5534.06 | 305.37 | 5228.69 | 112977.18 |
| 40 | 2027-12 | 5534.06 | 291.86 | 5242.20 | 107734.98 |
| 41 | 2028-01 | 5534.06 | 278.32 | 5255.74 | 102479.23 |
| 42 | 2028-02 | 5534.06 | 264.74 | 5269.32 | 97209.91 |
| 43 | 2028-03 | 5534.06 | 251.13 | 5282.93 | 91926.98 |
| 44 | 2028-04 | 5534.06 | 237.48 | 5296.58 | 86630.40 |
| 45 | 2028-05 | 5534.06 | 223.80 | 5310.26 | 81320.14 |
| 46 | 2028-06 | 5534.06 | 210.08 | 5323.98 | 75996.16 |
| 47 | 2028-07 | 5534.06 | 196.32 | 5337.73 | 70658.42 |
| 48 | 2028-08 | 5534.06 | 182.53 | 5351.52 | 65306.90 |
| 49 | 2028-09 | 5534.06 | 168.71 | 5365.35 | 59941.55 |
| 50 | 2028-10 | 5534.06 | 154.85 | 5379.21 | 54562.34 |
| 51 | 2028-11 | 5534.06 | 140.95 | 5393.11 | 49169.24 |
| 52 | 2028-12 | 5534.06 | 127.02 | 5407.04 | 43762.20 |
| 53 | 2029-01 | 5534.06 | 113.05 | 5421.01 | 38341.19 |
| 54 | 2029-02 | 5534.06 | 99.05 | 5435.01 | 32906.18 |
| 55 | 2029-03 | 5534.06 | 85.01 | 5449.05 | 27457.13 |
| 56 | 2029-04 | 5534.06 | 70.93 | 5463.13 | 21994.00 |
| 57 | 2029-05 | 5534.06 | 56.82 | 5477.24 | 16516.76 |
| 58 | 2029-06 | 5534.06 | 42.67 | 5491.39 | 11025.37 |
| 59 | 2029-07 | 5534.06 | 28.48 | 5505.58 | 5519.80 |
| 60 | 2029-08 | 5534.06 | 14.26 | 5519.80 | 0.00 |
等额本金还款方式：
贷款总额：30.72万
还款月数：5年
首月还款：5914.04元
每月递减：13.23元
利息总额：2.42万
本息合计：33.14万
节省利息：613.88元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 5914.04 | 793.66 | 5120.38 | 302102.62 |
| 2 | 2024-10 | 5900.82 | 780.43 | 5120.38 | 296982.23 |
| 3 | 2024-11 | 5887.59 | 767.20 | 5120.38 | 291861.85 |
| 4 | 2024-12 | 5874.36 | 753.98 | 5120.38 | 286741.47 |
| 5 | 2025-01 | 5861.13 | 740.75 | 5120.38 | 281621.08 |
| 6 | 2025-02 | 5847.90 | 727.52 | 5120.38 | 276500.70 |
| 7 | 2025-03 | 5834.68 | 714.29 | 5120.38 | 271380.32 |
| 8 | 2025-04 | 5821.45 | 701.07 | 5120.38 | 266259.93 |
| 9 | 2025-05 | 5808.22 | 687.84 | 5120.38 | 261139.55 |
| 10 | 2025-06 | 5794.99 | 674.61 | 5120.38 | 256019.17 |
| 11 | 2025-07 | 5781.77 | 661.38 | 5120.38 | 250898.78 |
| 12 | 2025-08 | 5768.54 | 648.16 | 5120.38 | 245778.40 |
| 13 | 2025-09 | 5755.31 | 634.93 | 5120.38 | 240658.02 |
| 14 | 2025-10 | 5742.08 | 621.70 | 5120.38 | 235537.63 |
| 15 | 2025-11 | 5728.86 | 608.47 | 5120.38 | 230417.25 |
| 16 | 2025-12 | 5715.63 | 595.24 | 5120.38 | 225296.87 |
| 17 | 2026-01 | 5702.40 | 582.02 | 5120.38 | 220176.48 |
| 18 | 2026-02 | 5689.17 | 568.79 | 5120.38 | 215056.10 |
| 19 | 2026-03 | 5675.94 | 555.56 | 5120.38 | 209935.72 |
| 20 | 2026-04 | 5662.72 | 542.33 | 5120.38 | 204815.33 |
| 21 | 2026-05 | 5649.49 | 529.11 | 5120.38 | 199694.95 |
| 22 | 2026-06 | 5636.26 | 515.88 | 5120.38 | 194574.57 |
| 23 | 2026-07 | 5623.03 | 502.65 | 5120.38 | 189454.18 |
| 24 | 2026-08 | 5609.81 | 489.42 | 5120.38 | 184333.80 |
| 25 | 2026-09 | 5596.58 | 476.20 | 5120.38 | 179213.42 |
| 26 | 2026-10 | 5583.35 | 462.97 | 5120.38 | 174093.03 |
| 27 | 2026-11 | 5570.12 | 449.74 | 5120.38 | 168972.65 |
| 28 | 2026-12 | 5556.90 | 436.51 | 5120.38 | 163852.27 |
| 29 | 2027-01 | 5543.67 | 423.29 | 5120.38 | 158731.88 |
| 30 | 2027-02 | 5530.44 | 410.06 | 5120.38 | 153611.50 |
| 31 | 2027-03 | 5517.21 | 396.83 | 5120.38 | 148491.12 |
| 32 | 2027-04 | 5503.99 | 383.60 | 5120.38 | 143370.73 |
| 33 | 2027-05 | 5490.76 | 370.37 | 5120.38 | 138250.35 |
| 34 | 2027-06 | 5477.53 | 357.15 | 5120.38 | 133129.97 |
| 35 | 2027-07 | 5464.30 | 343.92 | 5120.38 | 128009.58 |
| 36 | 2027-08 | 5451.07 | 330.69 | 5120.38 | 122889.20 |
| 37 | 2027-09 | 5437.85 | 317.46 | 5120.38 | 117768.82 |
| 38 | 2027-10 | 5424.62 | 304.24 | 5120.38 | 112648.43 |
| 39 | 2027-11 | 5411.39 | 291.01 | 5120.38 | 107528.05 |
| 40 | 2027-12 | 5398.16 | 277.78 | 5120.38 | 102407.67 |
| 41 | 2028-01 | 5384.94 | 264.55 | 5120.38 | 97287.28 |
| 42 | 2028-02 | 5371.71 | 251.33 | 5120.38 | 92166.90 |
| 43 | 2028-03 | 5358.48 | 238.10 | 5120.38 | 87046.52 |
| 44 | 2028-04 | 5345.25 | 224.87 | 5120.38 | 81926.13 |
| 45 | 2028-05 | 5332.03 | 211.64 | 5120.38 | 76805.75 |
| 46 | 2028-06 | 5318.80 | 198.41 | 5120.38 | 71685.37 |
| 47 | 2028-07 | 5305.57 | 185.19 | 5120.38 | 66564.98 |
| 48 | 2028-08 | 5292.34 | 171.96 | 5120.38 | 61444.60 |
| 49 | 2028-09 | 5279.12 | 158.73 | 5120.38 | 56324.22 |
| 50 | 2028-10 | 5265.89 | 145.50 | 5120.38 | 51203.83 |
| 51 | 2028-11 | 5252.66 | 132.28 | 5120.38 | 46083.45 |
| 52 | 2028-12 | 5239.43 | 119.05 | 5120.38 | 40963.07 |
| 53 | 2029-01 | 5226.20 | 105.82 | 5120.38 | 35842.68 |
| 54 | 2029-02 | 5212.98 | 92.59 | 5120.38 | 30722.30 |
| 55 | 2029-03 | 5199.75 | 79.37 | 5120.38 | 25601.92 |
| 56 | 2029-04 | 5186.52 | 66.14 | 5120.38 | 20481.53 |
| 57 | 2029-05 | 5173.29 | 52.91 | 5120.38 | 15361.15 |
| 58 | 2029-06 | 5160.07 | 39.68 | 5120.38 | 10240.77 |
| 59 | 2029-07 | 5146.84 | 26.46 | 5120.38 | 5120.38 |
| 60 | 2029-08 | 5133.61 | 13.23 | 5120.38 | 0.00 |