贷款27.42万（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：27.42万
还款月数：5年
每月还款：4908.81元
利息总额：2.03万
本息合计：29.45万
| 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 | 4908.81 | 651.23 | 4257.57 | 269945.07 |
| 2 | 2025-10 | 4908.81 | 641.12 | 4267.69 | 265677.38 |
| 3 | 2025-11 | 4908.81 | 630.98 | 4277.82 | 261399.56 |
| 4 | 2025-12 | 4908.81 | 620.82 | 4287.98 | 257111.57 |
| 5 | 2026-01 | 4908.81 | 610.64 | 4298.17 | 252813.41 |
| 6 | 2026-02 | 4908.81 | 600.43 | 4308.37 | 248505.03 |
| 7 | 2026-03 | 4908.81 | 590.20 | 4318.61 | 244186.43 |
| 8 | 2026-04 | 4908.81 | 579.94 | 4328.86 | 239857.56 |
| 9 | 2026-05 | 4908.81 | 569.66 | 4339.14 | 235518.42 |
| 10 | 2026-06 | 4908.81 | 559.36 | 4349.45 | 231168.97 |
| 11 | 2026-07 | 4908.81 | 549.03 | 4359.78 | 226809.19 |
| 12 | 2026-08 | 4908.81 | 538.67 | 4370.13 | 222439.06 |
| 13 | 2026-09 | 4908.81 | 528.29 | 4380.51 | 218058.54 |
| 14 | 2026-10 | 4908.81 | 517.89 | 4390.92 | 213667.63 |
| 15 | 2026-11 | 4908.81 | 507.46 | 4401.35 | 209266.28 |
| 16 | 2026-12 | 4908.81 | 497.01 | 4411.80 | 204854.48 |
| 17 | 2027-01 | 4908.81 | 486.53 | 4422.28 | 200432.21 |
| 18 | 2027-02 | 4908.81 | 476.03 | 4432.78 | 195999.43 |
| 19 | 2027-03 | 4908.81 | 465.50 | 4443.31 | 191556.12 |
| 20 | 2027-04 | 4908.81 | 454.95 | 4453.86 | 187102.26 |
| 21 | 2027-05 | 4908.81 | 444.37 | 4464.44 | 182637.82 |
| 22 | 2027-06 | 4908.81 | 433.76 | 4475.04 | 178162.78 |
| 23 | 2027-07 | 4908.81 | 423.14 | 4485.67 | 173677.11 |
| 24 | 2027-08 | 4908.81 | 412.48 | 4496.32 | 169180.79 |
| 25 | 2027-09 | 4908.81 | 401.80 | 4507.00 | 164673.79 |
| 26 | 2027-10 | 4908.81 | 391.10 | 4517.71 | 160156.08 |
| 27 | 2027-11 | 4908.81 | 380.37 | 4528.44 | 155627.64 |
| 28 | 2027-12 | 4908.81 | 369.62 | 4539.19 | 151088.45 |
| 29 | 2028-01 | 4908.81 | 358.84 | 4549.97 | 146538.48 |
| 30 | 2028-02 | 4908.81 | 348.03 | 4560.78 | 141977.71 |
| 31 | 2028-03 | 4908.81 | 337.20 | 4571.61 | 137406.10 |
| 32 | 2028-04 | 4908.81 | 326.34 | 4582.47 | 132823.63 |
| 33 | 2028-05 | 4908.81 | 315.46 | 4593.35 | 128230.28 |
| 34 | 2028-06 | 4908.81 | 304.55 | 4604.26 | 123626.02 |
| 35 | 2028-07 | 4908.81 | 293.61 | 4615.19 | 119010.83 |
| 36 | 2028-08 | 4908.81 | 282.65 | 4626.16 | 114384.67 |
| 37 | 2028-09 | 4908.81 | 271.66 | 4637.14 | 109747.53 |
| 38 | 2028-10 | 4908.81 | 260.65 | 4648.16 | 105099.37 |
| 39 | 2028-11 | 4908.81 | 249.61 | 4659.19 | 100440.18 |
| 40 | 2028-12 | 4908.81 | 238.55 | 4670.26 | 95769.92 |
| 41 | 2029-01 | 4908.81 | 227.45 | 4681.35 | 91088.57 |
| 42 | 2029-02 | 4908.81 | 216.34 | 4692.47 | 86396.10 |
| 43 | 2029-03 | 4908.81 | 205.19 | 4703.62 | 81692.48 |
| 44 | 2029-04 | 4908.81 | 194.02 | 4714.79 | 76977.69 |
| 45 | 2029-05 | 4908.81 | 182.82 | 4725.98 | 72251.71 |
| 46 | 2029-06 | 4908.81 | 171.60 | 4737.21 | 67514.50 |
| 47 | 2029-07 | 4908.81 | 160.35 | 4748.46 | 62766.04 |
| 48 | 2029-08 | 4908.81 | 149.07 | 4759.74 | 58006.31 |
| 49 | 2029-09 | 4908.81 | 137.76 | 4771.04 | 53235.26 |
| 50 | 2029-10 | 4908.81 | 126.43 | 4782.37 | 48452.89 |
| 51 | 2029-11 | 4908.81 | 115.08 | 4793.73 | 43659.16 |
| 52 | 2029-12 | 4908.81 | 103.69 | 4805.12 | 38854.05 |
| 53 | 2030-01 | 4908.81 | 92.28 | 4816.53 | 34037.52 |
| 54 | 2030-02 | 4908.81 | 80.84 | 4827.97 | 29209.55 |
| 55 | 2030-03 | 4908.81 | 69.37 | 4839.43 | 24370.12 |
| 56 | 2030-04 | 4908.81 | 57.88 | 4850.93 | 19519.19 |
| 57 | 2030-05 | 4908.81 | 46.36 | 4862.45 | 14656.74 |
| 58 | 2030-06 | 4908.81 | 34.81 | 4874.00 | 9782.75 |
| 59 | 2030-07 | 4908.81 | 23.23 | 4885.57 | 4897.18 |
| 60 | 2030-08 | 4908.81 | 11.63 | 4897.18 | 0.00 |
等额本金还款方式：
贷款总额：27.42万
还款月数：5年
首月还款：5221.28元
每月递减：10.85元
利息总额：1.99万
本息合计：29.41万
节省利息：463.17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 | 5221.28 | 651.23 | 4570.04 | 269632.60 |
| 2 | 2025-10 | 5210.42 | 640.38 | 4570.04 | 265062.55 |
| 3 | 2025-11 | 5199.57 | 629.52 | 4570.04 | 260492.51 |
| 4 | 2025-12 | 5188.71 | 618.67 | 4570.04 | 255922.46 |
| 5 | 2026-01 | 5177.86 | 607.82 | 4570.04 | 251352.42 |
| 6 | 2026-02 | 5167.01 | 596.96 | 4570.04 | 246782.38 |
| 7 | 2026-03 | 5156.15 | 586.11 | 4570.04 | 242212.33 |
| 8 | 2026-04 | 5145.30 | 575.25 | 4570.04 | 237642.29 |
| 9 | 2026-05 | 5134.44 | 564.40 | 4570.04 | 233072.24 |
| 10 | 2026-06 | 5123.59 | 553.55 | 4570.04 | 228502.20 |
| 11 | 2026-07 | 5112.74 | 542.69 | 4570.04 | 223932.16 |
| 12 | 2026-08 | 5101.88 | 531.84 | 4570.04 | 219362.11 |
| 13 | 2026-09 | 5091.03 | 520.99 | 4570.04 | 214792.07 |
| 14 | 2026-10 | 5080.18 | 510.13 | 4570.04 | 210222.02 |
| 15 | 2026-11 | 5069.32 | 499.28 | 4570.04 | 205651.98 |
| 16 | 2026-12 | 5058.47 | 488.42 | 4570.04 | 201081.94 |
| 17 | 2027-01 | 5047.61 | 477.57 | 4570.04 | 196511.89 |
| 18 | 2027-02 | 5036.76 | 466.72 | 4570.04 | 191941.85 |
| 19 | 2027-03 | 5025.91 | 455.86 | 4570.04 | 187371.80 |
| 20 | 2027-04 | 5015.05 | 445.01 | 4570.04 | 182801.76 |
| 21 | 2027-05 | 5004.20 | 434.15 | 4570.04 | 178231.72 |
| 22 | 2027-06 | 4993.34 | 423.30 | 4570.04 | 173661.67 |
| 23 | 2027-07 | 4982.49 | 412.45 | 4570.04 | 169091.63 |
| 24 | 2027-08 | 4971.64 | 401.59 | 4570.04 | 164521.58 |
| 25 | 2027-09 | 4960.78 | 390.74 | 4570.04 | 159951.54 |
| 26 | 2027-10 | 4949.93 | 379.88 | 4570.04 | 155381.50 |
| 27 | 2027-11 | 4939.08 | 369.03 | 4570.04 | 150811.45 |
| 28 | 2027-12 | 4928.22 | 358.18 | 4570.04 | 146241.41 |
| 29 | 2028-01 | 4917.37 | 347.32 | 4570.04 | 141671.36 |
| 30 | 2028-02 | 4906.51 | 336.47 | 4570.04 | 137101.32 |
| 31 | 2028-03 | 4895.66 | 325.62 | 4570.04 | 132531.28 |
| 32 | 2028-04 | 4884.81 | 314.76 | 4570.04 | 127961.23 |
| 33 | 2028-05 | 4873.95 | 303.91 | 4570.04 | 123391.19 |
| 34 | 2028-06 | 4863.10 | 293.05 | 4570.04 | 118821.14 |
| 35 | 2028-07 | 4852.24 | 282.20 | 4570.04 | 114251.10 |
| 36 | 2028-08 | 4841.39 | 271.35 | 4570.04 | 109681.06 |
| 37 | 2028-09 | 4830.54 | 260.49 | 4570.04 | 105111.01 |
| 38 | 2028-10 | 4819.68 | 249.64 | 4570.04 | 100540.97 |
| 39 | 2028-11 | 4808.83 | 238.78 | 4570.04 | 95970.92 |
| 40 | 2028-12 | 4797.97 | 227.93 | 4570.04 | 91400.88 |
| 41 | 2029-01 | 4787.12 | 217.08 | 4570.04 | 86830.84 |
| 42 | 2029-02 | 4776.27 | 206.22 | 4570.04 | 82260.79 |
| 43 | 2029-03 | 4765.41 | 195.37 | 4570.04 | 77690.75 |
| 44 | 2029-04 | 4754.56 | 184.52 | 4570.04 | 73120.70 |
| 45 | 2029-05 | 4743.71 | 173.66 | 4570.04 | 68550.66 |
| 46 | 2029-06 | 4732.85 | 162.81 | 4570.04 | 63980.62 |
| 47 | 2029-07 | 4722.00 | 151.95 | 4570.04 | 59410.57 |
| 48 | 2029-08 | 4711.14 | 141.10 | 4570.04 | 54840.53 |
| 49 | 2029-09 | 4700.29 | 130.25 | 4570.04 | 50270.48 |
| 50 | 2029-10 | 4689.44 | 119.39 | 4570.04 | 45700.44 |
| 51 | 2029-11 | 4678.58 | 108.54 | 4570.04 | 41130.40 |
| 52 | 2029-12 | 4667.73 | 97.68 | 4570.04 | 36560.35 |
| 53 | 2030-01 | 4656.87 | 86.83 | 4570.04 | 31990.31 |
| 54 | 2030-02 | 4646.02 | 75.98 | 4570.04 | 27420.26 |
| 55 | 2030-03 | 4635.17 | 65.12 | 4570.04 | 22850.22 |
| 56 | 2030-04 | 4624.31 | 54.27 | 4570.04 | 18280.18 |
| 57 | 2030-05 | 4613.46 | 43.42 | 4570.04 | 13710.13 |
| 58 | 2030-06 | 4602.61 | 32.56 | 4570.04 | 9140.09 |
| 59 | 2030-07 | 4591.75 | 21.71 | 4570.04 | 4570.04 |
| 60 | 2030-08 | 4580.90 | 10.85 | 4570.04 | 0.00 |