贷款20.64万（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：20.64万
还款月数：5年
每月还款：3694.58元
利息总额：1.53万
本息合计：22.17万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 3694.58 | 490.14 | 3204.44 | 203172.35 |
| 2 | 2026-04 | 3694.58 | 482.53 | 3212.05 | 199960.31 |
| 3 | 2026-05 | 3694.58 | 474.91 | 3219.67 | 196740.63 |
| 4 | 2026-06 | 3694.58 | 467.26 | 3227.32 | 193513.31 |
| 5 | 2026-07 | 3694.58 | 459.59 | 3234.99 | 190278.33 |
| 6 | 2026-08 | 3694.58 | 451.91 | 3242.67 | 187035.66 |
| 7 | 2026-09 | 3694.58 | 444.21 | 3250.37 | 183785.29 |
| 8 | 2026-10 | 3694.58 | 436.49 | 3258.09 | 180527.20 |
| 9 | 2026-11 | 3694.58 | 428.75 | 3265.83 | 177261.37 |
| 10 | 2026-12 | 3694.58 | 421.00 | 3273.58 | 173987.79 |
| 11 | 2027-01 | 3694.58 | 413.22 | 3281.36 | 170706.43 |
| 12 | 2027-02 | 3694.58 | 405.43 | 3289.15 | 167417.27 |
| 13 | 2027-03 | 3694.58 | 397.62 | 3296.96 | 164120.31 |
| 14 | 2027-04 | 3694.58 | 389.79 | 3304.79 | 160815.52 |
| 15 | 2027-05 | 3694.58 | 381.94 | 3312.64 | 157502.87 |
| 16 | 2027-06 | 3694.58 | 374.07 | 3320.51 | 154182.36 |
| 17 | 2027-07 | 3694.58 | 366.18 | 3328.40 | 150853.96 |
| 18 | 2027-08 | 3694.58 | 358.28 | 3336.30 | 147517.66 |
| 19 | 2027-09 | 3694.58 | 350.35 | 3344.23 | 144173.44 |
| 20 | 2027-10 | 3694.58 | 342.41 | 3352.17 | 140821.27 |
| 21 | 2027-11 | 3694.58 | 334.45 | 3360.13 | 137461.14 |
| 22 | 2027-12 | 3694.58 | 326.47 | 3368.11 | 134093.03 |
| 23 | 2028-01 | 3694.58 | 318.47 | 3376.11 | 130716.92 |
| 24 | 2028-02 | 3694.58 | 310.45 | 3384.13 | 127332.79 |
| 25 | 2028-03 | 3694.58 | 302.42 | 3392.16 | 123940.63 |
| 26 | 2028-04 | 3694.58 | 294.36 | 3400.22 | 120540.41 |
| 27 | 2028-05 | 3694.58 | 286.28 | 3408.30 | 117132.11 |
| 28 | 2028-06 | 3694.58 | 278.19 | 3416.39 | 113715.72 |
| 29 | 2028-07 | 3694.58 | 270.07 | 3424.51 | 110291.21 |
| 30 | 2028-08 | 3694.58 | 261.94 | 3432.64 | 106858.57 |
| 31 | 2028-09 | 3694.58 | 253.79 | 3440.79 | 103417.78 |
| 32 | 2028-10 | 3694.58 | 245.62 | 3448.96 | 99968.82 |
| 33 | 2028-11 | 3694.58 | 237.43 | 3457.15 | 96511.67 |
| 34 | 2028-12 | 3694.58 | 229.22 | 3465.36 | 93046.30 |
| 35 | 2029-01 | 3694.58 | 220.98 | 3473.60 | 89572.71 |
| 36 | 2029-02 | 3694.58 | 212.74 | 3481.84 | 86090.86 |
| 37 | 2029-03 | 3694.58 | 204.47 | 3490.11 | 82600.75 |
| 38 | 2029-04 | 3694.58 | 196.18 | 3498.40 | 79102.34 |
| 39 | 2029-05 | 3694.58 | 187.87 | 3506.71 | 75595.63 |
| 40 | 2029-06 | 3694.58 | 179.54 | 3515.04 | 72080.59 |
| 41 | 2029-07 | 3694.58 | 171.19 | 3523.39 | 68557.20 |
| 42 | 2029-08 | 3694.58 | 162.82 | 3531.76 | 65025.45 |
| 43 | 2029-09 | 3694.58 | 154.44 | 3540.14 | 61485.30 |
| 44 | 2029-10 | 3694.58 | 146.03 | 3548.55 | 57936.75 |
| 45 | 2029-11 | 3694.58 | 137.60 | 3556.98 | 54379.77 |
| 46 | 2029-12 | 3694.58 | 129.15 | 3565.43 | 50814.34 |
| 47 | 2030-01 | 3694.58 | 120.68 | 3573.90 | 47240.44 |
| 48 | 2030-02 | 3694.58 | 112.20 | 3582.38 | 43658.06 |
| 49 | 2030-03 | 3694.58 | 103.69 | 3590.89 | 40067.17 |
| 50 | 2030-04 | 3694.58 | 95.16 | 3599.42 | 36467.75 |
| 51 | 2030-05 | 3694.58 | 86.61 | 3607.97 | 32859.78 |
| 52 | 2030-06 | 3694.58 | 78.04 | 3616.54 | 29243.24 |
| 53 | 2030-07 | 3694.58 | 69.45 | 3625.13 | 25618.11 |
| 54 | 2030-08 | 3694.58 | 60.84 | 3633.74 | 21984.37 |
| 55 | 2030-09 | 3694.58 | 52.21 | 3642.37 | 18342.01 |
| 56 | 2030-10 | 3694.58 | 43.56 | 3651.02 | 14690.99 |
| 57 | 2030-11 | 3694.58 | 34.89 | 3659.69 | 11031.30 |
| 58 | 2030-12 | 3694.58 | 26.20 | 3668.38 | 7362.92 |
| 59 | 2031-01 | 3694.58 | 17.49 | 3677.09 | 3685.83 |
| 60 | 2031-02 | 3694.58 | 8.75 | 3685.83 | 0.00 |
等额本金还款方式：
贷款总额：20.64万
还款月数：5年
首月还款：3929.76元
每月递减：8.17元
利息总额：1.49万
本息合计：22.13万
节省利息：348.6元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 3929.76 | 490.14 | 3439.61 | 202937.18 |
| 2 | 2026-04 | 3921.59 | 481.98 | 3439.61 | 199497.56 |
| 3 | 2026-05 | 3913.42 | 473.81 | 3439.61 | 196057.95 |
| 4 | 2026-06 | 3905.25 | 465.64 | 3439.61 | 192618.34 |
| 5 | 2026-07 | 3897.08 | 457.47 | 3439.61 | 189178.72 |
| 6 | 2026-08 | 3888.91 | 449.30 | 3439.61 | 185739.11 |
| 7 | 2026-09 | 3880.74 | 441.13 | 3439.61 | 182299.50 |
| 8 | 2026-10 | 3872.57 | 432.96 | 3439.61 | 178859.88 |
| 9 | 2026-11 | 3864.41 | 424.79 | 3439.61 | 175420.27 |
| 10 | 2026-12 | 3856.24 | 416.62 | 3439.61 | 171980.66 |
| 11 | 2027-01 | 3848.07 | 408.45 | 3439.61 | 168541.05 |
| 12 | 2027-02 | 3839.90 | 400.28 | 3439.61 | 165101.43 |
| 13 | 2027-03 | 3831.73 | 392.12 | 3439.61 | 161661.82 |
| 14 | 2027-04 | 3823.56 | 383.95 | 3439.61 | 158222.21 |
| 15 | 2027-05 | 3815.39 | 375.78 | 3439.61 | 154782.59 |
| 16 | 2027-06 | 3807.22 | 367.61 | 3439.61 | 151342.98 |
| 17 | 2027-07 | 3799.05 | 359.44 | 3439.61 | 147903.37 |
| 18 | 2027-08 | 3790.88 | 351.27 | 3439.61 | 144463.75 |
| 19 | 2027-09 | 3782.71 | 343.10 | 3439.61 | 141024.14 |
| 20 | 2027-10 | 3774.55 | 334.93 | 3439.61 | 137584.53 |
| 21 | 2027-11 | 3766.38 | 326.76 | 3439.61 | 134144.91 |
| 22 | 2027-12 | 3758.21 | 318.59 | 3439.61 | 130705.30 |
| 23 | 2028-01 | 3750.04 | 310.43 | 3439.61 | 127265.69 |
| 24 | 2028-02 | 3741.87 | 302.26 | 3439.61 | 123826.07 |
| 25 | 2028-03 | 3733.70 | 294.09 | 3439.61 | 120386.46 |
| 26 | 2028-04 | 3725.53 | 285.92 | 3439.61 | 116946.85 |
| 27 | 2028-05 | 3717.36 | 277.75 | 3439.61 | 113507.23 |
| 28 | 2028-06 | 3709.19 | 269.58 | 3439.61 | 110067.62 |
| 29 | 2028-07 | 3701.02 | 261.41 | 3439.61 | 106628.01 |
| 30 | 2028-08 | 3692.85 | 253.24 | 3439.61 | 103188.40 |
| 31 | 2028-09 | 3684.69 | 245.07 | 3439.61 | 99748.78 |
| 32 | 2028-10 | 3676.52 | 236.90 | 3439.61 | 96309.17 |
| 33 | 2028-11 | 3668.35 | 228.73 | 3439.61 | 92869.56 |
| 34 | 2028-12 | 3660.18 | 220.57 | 3439.61 | 89429.94 |
| 35 | 2029-01 | 3652.01 | 212.40 | 3439.61 | 85990.33 |
| 36 | 2029-02 | 3643.84 | 204.23 | 3439.61 | 82550.72 |
| 37 | 2029-03 | 3635.67 | 196.06 | 3439.61 | 79111.10 |
| 38 | 2029-04 | 3627.50 | 187.89 | 3439.61 | 75671.49 |
| 39 | 2029-05 | 3619.33 | 179.72 | 3439.61 | 72231.88 |
| 40 | 2029-06 | 3611.16 | 171.55 | 3439.61 | 68792.26 |
| 41 | 2029-07 | 3602.99 | 163.38 | 3439.61 | 65352.65 |
| 42 | 2029-08 | 3594.83 | 155.21 | 3439.61 | 61913.04 |
| 43 | 2029-09 | 3586.66 | 147.04 | 3439.61 | 58473.42 |
| 44 | 2029-10 | 3578.49 | 138.87 | 3439.61 | 55033.81 |
| 45 | 2029-11 | 3570.32 | 130.71 | 3439.61 | 51594.20 |
| 46 | 2029-12 | 3562.15 | 122.54 | 3439.61 | 48154.58 |
| 47 | 2030-01 | 3553.98 | 114.37 | 3439.61 | 44714.97 |
| 48 | 2030-02 | 3545.81 | 106.20 | 3439.61 | 41275.36 |
| 49 | 2030-03 | 3537.64 | 98.03 | 3439.61 | 37835.74 |
| 50 | 2030-04 | 3529.47 | 89.86 | 3439.61 | 34396.13 |
| 51 | 2030-05 | 3521.30 | 81.69 | 3439.61 | 30956.52 |
| 52 | 2030-06 | 3513.13 | 73.52 | 3439.61 | 27516.91 |
| 53 | 2030-07 | 3504.97 | 65.35 | 3439.61 | 24077.29 |
| 54 | 2030-08 | 3496.80 | 57.18 | 3439.61 | 20637.68 |
| 55 | 2030-09 | 3488.63 | 49.01 | 3439.61 | 17198.07 |
| 56 | 2030-10 | 3480.46 | 40.85 | 3439.61 | 13758.45 |
| 57 | 2030-11 | 3472.29 | 32.68 | 3439.61 | 10318.84 |
| 58 | 2030-12 | 3464.12 | 24.51 | 3439.61 | 6879.23 |
| 59 | 2031-01 | 3455.95 | 16.34 | 3439.61 | 3439.61 |
| 60 | 2031-02 | 3447.78 | 8.17 | 3439.61 | 0.00 |