贷款30万（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：30万
还款月数：5年
每月还款：5357.34元
利息总额：2.14万
本息合计：32.14万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 5357.34 | 687.50 | 4669.84 | 295330.16 |
| 2 | 2024-04 | 5357.34 | 676.80 | 4680.54 | 290649.61 |
| 3 | 2024-05 | 5357.34 | 666.07 | 4691.27 | 285958.34 |
| 4 | 2024-06 | 5357.34 | 655.32 | 4702.02 | 281256.32 |
| 5 | 2024-07 | 5357.34 | 644.55 | 4712.80 | 276543.52 |
| 6 | 2024-08 | 5357.34 | 633.75 | 4723.60 | 271819.92 |
| 7 | 2024-09 | 5357.34 | 622.92 | 4734.42 | 267085.50 |
| 8 | 2024-10 | 5357.34 | 612.07 | 4745.27 | 262340.23 |
| 9 | 2024-11 | 5357.34 | 601.20 | 4756.15 | 257584.08 |
| 10 | 2024-12 | 5357.34 | 590.30 | 4767.05 | 252817.04 |
| 11 | 2025-01 | 5357.34 | 579.37 | 4777.97 | 248039.07 |
| 12 | 2025-02 | 5357.34 | 568.42 | 4788.92 | 243250.15 |
| 13 | 2025-03 | 5357.34 | 557.45 | 4799.89 | 238450.25 |
| 14 | 2025-04 | 5357.34 | 546.45 | 4810.89 | 233639.36 |
| 15 | 2025-05 | 5357.34 | 535.42 | 4821.92 | 228817.44 |
| 16 | 2025-06 | 5357.34 | 524.37 | 4832.97 | 223984.47 |
| 17 | 2025-07 | 5357.34 | 513.30 | 4844.05 | 219140.42 |
| 18 | 2025-08 | 5357.34 | 502.20 | 4855.15 | 214285.28 |
| 19 | 2025-09 | 5357.34 | 491.07 | 4866.27 | 209419.00 |
| 20 | 2025-10 | 5357.34 | 479.92 | 4877.42 | 204541.58 |
| 21 | 2025-11 | 5357.34 | 468.74 | 4888.60 | 199652.98 |
| 22 | 2025-12 | 5357.34 | 457.54 | 4899.81 | 194753.17 |
| 23 | 2026-01 | 5357.34 | 446.31 | 4911.03 | 189842.14 |
| 24 | 2026-02 | 5357.34 | 435.05 | 4922.29 | 184919.85 |
| 25 | 2026-03 | 5357.34 | 423.77 | 4933.57 | 179986.28 |
| 26 | 2026-04 | 5357.34 | 412.47 | 4944.87 | 175041.41 |
| 27 | 2026-05 | 5357.34 | 401.14 | 4956.21 | 170085.20 |
| 28 | 2026-06 | 5357.34 | 389.78 | 4967.56 | 165117.63 |
| 29 | 2026-07 | 5357.34 | 378.39 | 4978.95 | 160138.69 |
| 30 | 2026-08 | 5357.34 | 366.98 | 4990.36 | 155148.33 |
| 31 | 2026-09 | 5357.34 | 355.55 | 5001.79 | 150146.53 |
| 32 | 2026-10 | 5357.34 | 344.09 | 5013.26 | 145133.28 |
| 33 | 2026-11 | 5357.34 | 332.60 | 5024.75 | 140108.53 |
| 34 | 2026-12 | 5357.34 | 321.08 | 5036.26 | 135072.27 |
| 35 | 2027-01 | 5357.34 | 309.54 | 5047.80 | 130024.47 |
| 36 | 2027-02 | 5357.34 | 297.97 | 5059.37 | 124965.10 |
| 37 | 2027-03 | 5357.34 | 286.38 | 5070.96 | 119894.13 |
| 38 | 2027-04 | 5357.34 | 274.76 | 5082.59 | 114811.55 |
| 39 | 2027-05 | 5357.34 | 263.11 | 5094.23 | 109717.31 |
| 40 | 2027-06 | 5357.34 | 251.44 | 5105.91 | 104611.40 |
| 41 | 2027-07 | 5357.34 | 239.73 | 5117.61 | 99493.80 |
| 42 | 2027-08 | 5357.34 | 228.01 | 5129.34 | 94364.46 |
| 43 | 2027-09 | 5357.34 | 216.25 | 5141.09 | 89223.37 |
| 44 | 2027-10 | 5357.34 | 204.47 | 5152.87 | 84070.50 |
| 45 | 2027-11 | 5357.34 | 192.66 | 5164.68 | 78905.81 |
| 46 | 2027-12 | 5357.34 | 180.83 | 5176.52 | 73729.30 |
| 47 | 2028-01 | 5357.34 | 168.96 | 5188.38 | 68540.92 |
| 48 | 2028-02 | 5357.34 | 157.07 | 5200.27 | 63340.65 |
| 49 | 2028-03 | 5357.34 | 145.16 | 5212.19 | 58128.46 |
| 50 | 2028-04 | 5357.34 | 133.21 | 5224.13 | 52904.33 |
| 51 | 2028-05 | 5357.34 | 121.24 | 5236.10 | 47668.22 |
| 52 | 2028-06 | 5357.34 | 109.24 | 5248.10 | 42420.12 |
| 53 | 2028-07 | 5357.34 | 97.21 | 5260.13 | 37159.99 |
| 54 | 2028-08 | 5357.34 | 85.16 | 5272.18 | 31887.80 |
| 55 | 2028-09 | 5357.34 | 73.08 | 5284.27 | 26603.54 |
| 56 | 2028-10 | 5357.34 | 60.97 | 5296.38 | 21307.16 |
| 57 | 2028-11 | 5357.34 | 48.83 | 5308.51 | 15998.65 |
| 58 | 2028-12 | 5357.34 | 36.66 | 5320.68 | 10677.97 |
| 59 | 2029-01 | 5357.34 | 24.47 | 5332.87 | 5345.09 |
| 60 | 2029-02 | 5357.34 | 12.25 | 5345.09 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：5年
首月还款：5687.5元
每月递减：11.46元
利息总额：2.1万
本息合计：32.1万
节省利息：471.84元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 5687.50 | 687.50 | 5000.00 | 295000.00 |
| 2 | 2024-04 | 5676.04 | 676.04 | 5000.00 | 290000.00 |
| 3 | 2024-05 | 5664.58 | 664.58 | 5000.00 | 285000.00 |
| 4 | 2024-06 | 5653.13 | 653.13 | 5000.00 | 280000.00 |
| 5 | 2024-07 | 5641.67 | 641.67 | 5000.00 | 275000.00 |
| 6 | 2024-08 | 5630.21 | 630.21 | 5000.00 | 270000.00 |
| 7 | 2024-09 | 5618.75 | 618.75 | 5000.00 | 265000.00 |
| 8 | 2024-10 | 5607.29 | 607.29 | 5000.00 | 260000.00 |
| 9 | 2024-11 | 5595.83 | 595.83 | 5000.00 | 255000.00 |
| 10 | 2024-12 | 5584.38 | 584.38 | 5000.00 | 250000.00 |
| 11 | 2025-01 | 5572.92 | 572.92 | 5000.00 | 245000.00 |
| 12 | 2025-02 | 5561.46 | 561.46 | 5000.00 | 240000.00 |
| 13 | 2025-03 | 5550.00 | 550.00 | 5000.00 | 235000.00 |
| 14 | 2025-04 | 5538.54 | 538.54 | 5000.00 | 230000.00 |
| 15 | 2025-05 | 5527.08 | 527.08 | 5000.00 | 225000.00 |
| 16 | 2025-06 | 5515.63 | 515.63 | 5000.00 | 220000.00 |
| 17 | 2025-07 | 5504.17 | 504.17 | 5000.00 | 215000.00 |
| 18 | 2025-08 | 5492.71 | 492.71 | 5000.00 | 210000.00 |
| 19 | 2025-09 | 5481.25 | 481.25 | 5000.00 | 205000.00 |
| 20 | 2025-10 | 5469.79 | 469.79 | 5000.00 | 200000.00 |
| 21 | 2025-11 | 5458.33 | 458.33 | 5000.00 | 195000.00 |
| 22 | 2025-12 | 5446.88 | 446.88 | 5000.00 | 190000.00 |
| 23 | 2026-01 | 5435.42 | 435.42 | 5000.00 | 185000.00 |
| 24 | 2026-02 | 5423.96 | 423.96 | 5000.00 | 180000.00 |
| 25 | 2026-03 | 5412.50 | 412.50 | 5000.00 | 175000.00 |
| 26 | 2026-04 | 5401.04 | 401.04 | 5000.00 | 170000.00 |
| 27 | 2026-05 | 5389.58 | 389.58 | 5000.00 | 165000.00 |
| 28 | 2026-06 | 5378.13 | 378.13 | 5000.00 | 160000.00 |
| 29 | 2026-07 | 5366.67 | 366.67 | 5000.00 | 155000.00 |
| 30 | 2026-08 | 5355.21 | 355.21 | 5000.00 | 150000.00 |
| 31 | 2026-09 | 5343.75 | 343.75 | 5000.00 | 145000.00 |
| 32 | 2026-10 | 5332.29 | 332.29 | 5000.00 | 140000.00 |
| 33 | 2026-11 | 5320.83 | 320.83 | 5000.00 | 135000.00 |
| 34 | 2026-12 | 5309.38 | 309.38 | 5000.00 | 130000.00 |
| 35 | 2027-01 | 5297.92 | 297.92 | 5000.00 | 125000.00 |
| 36 | 2027-02 | 5286.46 | 286.46 | 5000.00 | 120000.00 |
| 37 | 2027-03 | 5275.00 | 275.00 | 5000.00 | 115000.00 |
| 38 | 2027-04 | 5263.54 | 263.54 | 5000.00 | 110000.00 |
| 39 | 2027-05 | 5252.08 | 252.08 | 5000.00 | 105000.00 |
| 40 | 2027-06 | 5240.63 | 240.63 | 5000.00 | 100000.00 |
| 41 | 2027-07 | 5229.17 | 229.17 | 5000.00 | 95000.00 |
| 42 | 2027-08 | 5217.71 | 217.71 | 5000.00 | 90000.00 |
| 43 | 2027-09 | 5206.25 | 206.25 | 5000.00 | 85000.00 |
| 44 | 2027-10 | 5194.79 | 194.79 | 5000.00 | 80000.00 |
| 45 | 2027-11 | 5183.33 | 183.33 | 5000.00 | 75000.00 |
| 46 | 2027-12 | 5171.88 | 171.88 | 5000.00 | 70000.00 |
| 47 | 2028-01 | 5160.42 | 160.42 | 5000.00 | 65000.00 |
| 48 | 2028-02 | 5148.96 | 148.96 | 5000.00 | 60000.00 |
| 49 | 2028-03 | 5137.50 | 137.50 | 5000.00 | 55000.00 |
| 50 | 2028-04 | 5126.04 | 126.04 | 5000.00 | 50000.00 |
| 51 | 2028-05 | 5114.58 | 114.58 | 5000.00 | 45000.00 |
| 52 | 2028-06 | 5103.13 | 103.13 | 5000.00 | 40000.00 |
| 53 | 2028-07 | 5091.67 | 91.67 | 5000.00 | 35000.00 |
| 54 | 2028-08 | 5080.21 | 80.21 | 5000.00 | 30000.00 |
| 55 | 2028-09 | 5068.75 | 68.75 | 5000.00 | 25000.00 |
| 56 | 2028-10 | 5057.29 | 57.29 | 5000.00 | 20000.00 |
| 57 | 2028-11 | 5045.83 | 45.83 | 5000.00 | 15000.00 |
| 58 | 2028-12 | 5034.38 | 34.38 | 5000.00 | 10000.00 |
| 59 | 2029-01 | 5022.92 | 22.92 | 5000.00 | 5000.00 |
| 60 | 2029-02 | 5011.46 | 11.46 | 5000.00 | 0.00 |