贷款25.81万（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：25.81万
还款月数：5年
每月还款：4621.04元
利息总额：1.91万
本息合计：27.73万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 4621.04 | 613.05 | 4007.98 | 254120.09 |
| 2 | 2025-10 | 4621.04 | 603.54 | 4017.50 | 250102.58 |
| 3 | 2025-11 | 4621.04 | 593.99 | 4027.04 | 246075.54 |
| 4 | 2025-12 | 4621.04 | 584.43 | 4036.61 | 242038.93 |
| 5 | 2026-01 | 4621.04 | 574.84 | 4046.19 | 237992.74 |
| 6 | 2026-02 | 4621.04 | 565.23 | 4055.80 | 233936.93 |
| 7 | 2026-03 | 4621.04 | 555.60 | 4065.44 | 229871.50 |
| 8 | 2026-04 | 4621.04 | 545.94 | 4075.09 | 225796.40 |
| 9 | 2026-05 | 4621.04 | 536.27 | 4084.77 | 221711.63 |
| 10 | 2026-06 | 4621.04 | 526.57 | 4094.47 | 217617.16 |
| 11 | 2026-07 | 4621.04 | 516.84 | 4104.20 | 213512.96 |
| 12 | 2026-08 | 4621.04 | 507.09 | 4113.94 | 209399.02 |
| 13 | 2026-09 | 4621.04 | 497.32 | 4123.71 | 205275.31 |
| 14 | 2026-10 | 4621.04 | 487.53 | 4133.51 | 201141.80 |
| 15 | 2026-11 | 4621.04 | 477.71 | 4143.33 | 196998.47 |
| 16 | 2026-12 | 4621.04 | 467.87 | 4153.17 | 192845.31 |
| 17 | 2027-01 | 4621.04 | 458.01 | 4163.03 | 188682.28 |
| 18 | 2027-02 | 4621.04 | 448.12 | 4172.92 | 184509.36 |
| 19 | 2027-03 | 4621.04 | 438.21 | 4182.83 | 180326.53 |
| 20 | 2027-04 | 4621.04 | 428.28 | 4192.76 | 176133.77 |
| 21 | 2027-05 | 4621.04 | 418.32 | 4202.72 | 171931.05 |
| 22 | 2027-06 | 4621.04 | 408.34 | 4212.70 | 167718.35 |
| 23 | 2027-07 | 4621.04 | 398.33 | 4222.71 | 163495.64 |
| 24 | 2027-08 | 4621.04 | 388.30 | 4232.74 | 159262.91 |
| 25 | 2027-09 | 4621.04 | 378.25 | 4242.79 | 155020.12 |
| 26 | 2027-10 | 4621.04 | 368.17 | 4252.86 | 150767.26 |
| 27 | 2027-11 | 4621.04 | 358.07 | 4262.97 | 146504.29 |
| 28 | 2027-12 | 4621.04 | 347.95 | 4273.09 | 142231.20 |
| 29 | 2028-01 | 4621.04 | 337.80 | 4283.24 | 137947.96 |
| 30 | 2028-02 | 4621.04 | 327.63 | 4293.41 | 133654.55 |
| 31 | 2028-03 | 4621.04 | 317.43 | 4303.61 | 129350.94 |
| 32 | 2028-04 | 4621.04 | 307.21 | 4313.83 | 125037.12 |
| 33 | 2028-05 | 4621.04 | 296.96 | 4324.07 | 120713.04 |
| 34 | 2028-06 | 4621.04 | 286.69 | 4334.34 | 116378.70 |
| 35 | 2028-07 | 4621.04 | 276.40 | 4344.64 | 112034.06 |
| 36 | 2028-08 | 4621.04 | 266.08 | 4354.96 | 107679.10 |
| 37 | 2028-09 | 4621.04 | 255.74 | 4365.30 | 103313.80 |
| 38 | 2028-10 | 4621.04 | 245.37 | 4375.67 | 98938.14 |
| 39 | 2028-11 | 4621.04 | 234.98 | 4386.06 | 94552.08 |
| 40 | 2028-12 | 4621.04 | 224.56 | 4396.48 | 90155.60 |
| 41 | 2029-01 | 4621.04 | 214.12 | 4406.92 | 85748.68 |
| 42 | 2029-02 | 4621.04 | 203.65 | 4417.38 | 81331.30 |
| 43 | 2029-03 | 4621.04 | 193.16 | 4427.88 | 76903.42 |
| 44 | 2029-04 | 4621.04 | 182.65 | 4438.39 | 72465.03 |
| 45 | 2029-05 | 4621.04 | 172.10 | 4448.93 | 68016.10 |
| 46 | 2029-06 | 4621.04 | 161.54 | 4459.50 | 63556.60 |
| 47 | 2029-07 | 4621.04 | 150.95 | 4470.09 | 59086.51 |
| 48 | 2029-08 | 4621.04 | 140.33 | 4480.71 | 54605.80 |
| 49 | 2029-09 | 4621.04 | 129.69 | 4491.35 | 50114.46 |
| 50 | 2029-10 | 4621.04 | 119.02 | 4502.02 | 45612.44 |
| 51 | 2029-11 | 4621.04 | 108.33 | 4512.71 | 41099.73 |
| 52 | 2029-12 | 4621.04 | 97.61 | 4523.43 | 36576.31 |
| 53 | 2030-01 | 4621.04 | 86.87 | 4534.17 | 32042.14 |
| 54 | 2030-02 | 4621.04 | 76.10 | 4544.94 | 27497.20 |
| 55 | 2030-03 | 4621.04 | 65.31 | 4555.73 | 22941.47 |
| 56 | 2030-04 | 4621.04 | 54.49 | 4566.55 | 18374.92 |
| 57 | 2030-05 | 4621.04 | 43.64 | 4577.40 | 13797.52 |
| 58 | 2030-06 | 4621.04 | 32.77 | 4588.27 | 9209.25 |
| 59 | 2030-07 | 4621.04 | 21.87 | 4599.17 | 4610.09 |
| 60 | 2030-08 | 4621.04 | 10.95 | 4610.09 | 0.00 |
等额本金还款方式：
贷款总额：25.81万
还款月数：5年
首月还款：4915.19元
每月递减：10.22元
利息总额：1.87万
本息合计：27.68万
节省利息：436.01元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 4915.19 | 613.05 | 4302.13 | 253825.94 |
| 2 | 2025-10 | 4904.97 | 602.84 | 4302.13 | 249523.80 |
| 3 | 2025-11 | 4894.75 | 592.62 | 4302.13 | 245221.67 |
| 4 | 2025-12 | 4884.54 | 582.40 | 4302.13 | 240919.53 |
| 5 | 2026-01 | 4874.32 | 572.18 | 4302.13 | 236617.40 |
| 6 | 2026-02 | 4864.10 | 561.97 | 4302.13 | 232315.26 |
| 7 | 2026-03 | 4853.88 | 551.75 | 4302.13 | 228013.13 |
| 8 | 2026-04 | 4843.67 | 541.53 | 4302.13 | 223710.99 |
| 9 | 2026-05 | 4833.45 | 531.31 | 4302.13 | 219408.86 |
| 10 | 2026-06 | 4823.23 | 521.10 | 4302.13 | 215106.73 |
| 11 | 2026-07 | 4813.01 | 510.88 | 4302.13 | 210804.59 |
| 12 | 2026-08 | 4802.80 | 500.66 | 4302.13 | 206502.46 |
| 13 | 2026-09 | 4792.58 | 490.44 | 4302.13 | 202200.32 |
| 14 | 2026-10 | 4782.36 | 480.23 | 4302.13 | 197898.19 |
| 15 | 2026-11 | 4772.14 | 470.01 | 4302.13 | 193596.05 |
| 16 | 2026-12 | 4761.93 | 459.79 | 4302.13 | 189293.92 |
| 17 | 2027-01 | 4751.71 | 449.57 | 4302.13 | 184991.78 |
| 18 | 2027-02 | 4741.49 | 439.36 | 4302.13 | 180689.65 |
| 19 | 2027-03 | 4731.27 | 429.14 | 4302.13 | 176387.51 |
| 20 | 2027-04 | 4721.05 | 418.92 | 4302.13 | 172085.38 |
| 21 | 2027-05 | 4710.84 | 408.70 | 4302.13 | 167783.25 |
| 22 | 2027-06 | 4700.62 | 398.49 | 4302.13 | 163481.11 |
| 23 | 2027-07 | 4690.40 | 388.27 | 4302.13 | 159178.98 |
| 24 | 2027-08 | 4680.18 | 378.05 | 4302.13 | 154876.84 |
| 25 | 2027-09 | 4669.97 | 367.83 | 4302.13 | 150574.71 |
| 26 | 2027-10 | 4659.75 | 357.61 | 4302.13 | 146272.57 |
| 27 | 2027-11 | 4649.53 | 347.40 | 4302.13 | 141970.44 |
| 28 | 2027-12 | 4639.31 | 337.18 | 4302.13 | 137668.30 |
| 29 | 2028-01 | 4629.10 | 326.96 | 4302.13 | 133366.17 |
| 30 | 2028-02 | 4618.88 | 316.74 | 4302.13 | 129064.04 |
| 31 | 2028-03 | 4608.66 | 306.53 | 4302.13 | 124761.90 |
| 32 | 2028-04 | 4598.44 | 296.31 | 4302.13 | 120459.77 |
| 33 | 2028-05 | 4588.23 | 286.09 | 4302.13 | 116157.63 |
| 34 | 2028-06 | 4578.01 | 275.87 | 4302.13 | 111855.50 |
| 35 | 2028-07 | 4567.79 | 265.66 | 4302.13 | 107553.36 |
| 36 | 2028-08 | 4557.57 | 255.44 | 4302.13 | 103251.23 |
| 37 | 2028-09 | 4547.36 | 245.22 | 4302.13 | 98949.09 |
| 38 | 2028-10 | 4537.14 | 235.00 | 4302.13 | 94646.96 |
| 39 | 2028-11 | 4526.92 | 224.79 | 4302.13 | 90344.82 |
| 40 | 2028-12 | 4516.70 | 214.57 | 4302.13 | 86042.69 |
| 41 | 2029-01 | 4506.49 | 204.35 | 4302.13 | 81740.56 |
| 42 | 2029-02 | 4496.27 | 194.13 | 4302.13 | 77438.42 |
| 43 | 2029-03 | 4486.05 | 183.92 | 4302.13 | 73136.29 |
| 44 | 2029-04 | 4475.83 | 173.70 | 4302.13 | 68834.15 |
| 45 | 2029-05 | 4465.62 | 163.48 | 4302.13 | 64532.02 |
| 46 | 2029-06 | 4455.40 | 153.26 | 4302.13 | 60229.88 |
| 47 | 2029-07 | 4445.18 | 143.05 | 4302.13 | 55927.75 |
| 48 | 2029-08 | 4434.96 | 132.83 | 4302.13 | 51625.61 |
| 49 | 2029-09 | 4424.75 | 122.61 | 4302.13 | 47323.48 |
| 50 | 2029-10 | 4414.53 | 112.39 | 4302.13 | 43021.35 |
| 51 | 2029-11 | 4404.31 | 102.18 | 4302.13 | 38719.21 |
| 52 | 2029-12 | 4394.09 | 91.96 | 4302.13 | 34417.08 |
| 53 | 2030-01 | 4383.88 | 81.74 | 4302.13 | 30114.94 |
| 54 | 2030-02 | 4373.66 | 71.52 | 4302.13 | 25812.81 |
| 55 | 2030-03 | 4363.44 | 61.31 | 4302.13 | 21510.67 |
| 56 | 2030-04 | 4353.22 | 51.09 | 4302.13 | 17208.54 |
| 57 | 2030-05 | 4343.00 | 40.87 | 4302.13 | 12906.40 |
| 58 | 2030-06 | 4332.79 | 30.65 | 4302.13 | 8604.27 |
| 59 | 2030-07 | 4322.57 | 20.44 | 4302.13 | 4302.13 |
| 60 | 2030-08 | 4312.35 | 10.22 | 4302.13 | 0.00 |