昭通贷款35万（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：35万
还款月数：5年
每月还款：6215.44元
利息总额：2.29万
本息合计：37.29万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 6215.44 | 736.46 | 5478.98 | 344521.02 |
| 2 | 2025-07 | 6215.44 | 724.93 | 5490.51 | 339030.52 |
| 3 | 2025-08 | 6215.44 | 713.38 | 5502.06 | 333528.46 |
| 4 | 2025-09 | 6215.44 | 701.80 | 5513.64 | 328014.82 |
| 5 | 2025-10 | 6215.44 | 690.20 | 5525.24 | 322489.58 |
| 6 | 2025-11 | 6215.44 | 678.57 | 5536.86 | 316952.72 |
| 7 | 2025-12 | 6215.44 | 666.92 | 5548.51 | 311404.21 |
| 8 | 2026-01 | 6215.44 | 655.25 | 5560.19 | 305844.02 |
| 9 | 2026-02 | 6215.44 | 643.55 | 5571.89 | 300272.13 |
| 10 | 2026-03 | 6215.44 | 631.82 | 5583.61 | 294688.52 |
| 11 | 2026-04 | 6215.44 | 620.07 | 5595.36 | 289093.15 |
| 12 | 2026-05 | 6215.44 | 608.30 | 5607.14 | 283486.02 |
| 13 | 2026-06 | 6215.44 | 596.50 | 5618.93 | 277867.09 |
| 14 | 2026-07 | 6215.44 | 584.68 | 5630.76 | 272236.33 |
| 15 | 2026-08 | 6215.44 | 572.83 | 5642.60 | 266593.72 |
| 16 | 2026-09 | 6215.44 | 560.96 | 5654.48 | 260939.25 |
| 17 | 2026-10 | 6215.44 | 549.06 | 5666.38 | 255272.87 |
| 18 | 2026-11 | 6215.44 | 537.14 | 5678.30 | 249594.57 |
| 19 | 2026-12 | 6215.44 | 525.19 | 5690.25 | 243904.32 |
| 20 | 2027-01 | 6215.44 | 513.22 | 5702.22 | 238202.10 |
| 21 | 2027-02 | 6215.44 | 501.22 | 5714.22 | 232487.89 |
| 22 | 2027-03 | 6215.44 | 489.19 | 5726.24 | 226761.64 |
| 23 | 2027-04 | 6215.44 | 477.14 | 5738.29 | 221023.35 |
| 24 | 2027-05 | 6215.44 | 465.07 | 5750.37 | 215272.99 |
| 25 | 2027-06 | 6215.44 | 452.97 | 5762.47 | 209510.52 |
| 26 | 2027-07 | 6215.44 | 440.85 | 5774.59 | 203735.93 |
| 27 | 2027-08 | 6215.44 | 428.69 | 5786.74 | 197949.19 |
| 28 | 2027-09 | 6215.44 | 416.52 | 5798.92 | 192150.27 |
| 29 | 2027-10 | 6215.44 | 404.32 | 5811.12 | 186339.15 |
| 30 | 2027-11 | 6215.44 | 392.09 | 5823.35 | 180515.81 |
| 31 | 2027-12 | 6215.44 | 379.84 | 5835.60 | 174680.21 |
| 32 | 2028-01 | 6215.44 | 367.56 | 5847.88 | 168832.33 |
| 33 | 2028-02 | 6215.44 | 355.25 | 5860.18 | 162972.14 |
| 34 | 2028-03 | 6215.44 | 342.92 | 5872.51 | 157099.63 |
| 35 | 2028-04 | 6215.44 | 330.56 | 5884.87 | 151214.76 |
| 36 | 2028-05 | 6215.44 | 318.18 | 5897.25 | 145317.50 |
| 37 | 2028-06 | 6215.44 | 305.77 | 5909.66 | 139407.84 |
| 38 | 2028-07 | 6215.44 | 293.34 | 5922.10 | 133485.74 |
| 39 | 2028-08 | 6215.44 | 280.88 | 5934.56 | 127551.18 |
| 40 | 2028-09 | 6215.44 | 268.39 | 5947.05 | 121604.14 |
| 41 | 2028-10 | 6215.44 | 255.88 | 5959.56 | 115644.58 |
| 42 | 2028-11 | 6215.44 | 243.34 | 5972.10 | 109672.48 |
| 43 | 2028-12 | 6215.44 | 230.77 | 5984.67 | 103687.81 |
| 44 | 2029-01 | 6215.44 | 218.18 | 5997.26 | 97690.55 |
| 45 | 2029-02 | 6215.44 | 205.56 | 6009.88 | 91680.67 |
| 46 | 2029-03 | 6215.44 | 192.91 | 6022.52 | 85658.15 |
| 47 | 2029-04 | 6215.44 | 180.24 | 6035.20 | 79622.95 |
| 48 | 2029-05 | 6215.44 | 167.54 | 6047.90 | 73575.06 |
| 49 | 2029-06 | 6215.44 | 154.81 | 6060.62 | 67514.43 |
| 50 | 2029-07 | 6215.44 | 142.06 | 6073.37 | 61441.06 |
| 51 | 2029-08 | 6215.44 | 129.28 | 6086.15 | 55354.91 |
| 52 | 2029-09 | 6215.44 | 116.48 | 6098.96 | 49255.95 |
| 53 | 2029-10 | 6215.44 | 103.64 | 6111.79 | 43144.16 |
| 54 | 2029-11 | 6215.44 | 90.78 | 6124.65 | 37019.50 |
| 55 | 2029-12 | 6215.44 | 77.90 | 6137.54 | 30881.96 |
| 56 | 2030-01 | 6215.44 | 64.98 | 6150.45 | 24731.51 |
| 57 | 2030-02 | 6215.44 | 52.04 | 6163.40 | 18568.11 |
| 58 | 2030-03 | 6215.44 | 39.07 | 6176.37 | 12391.75 |
| 59 | 2030-04 | 6215.44 | 26.07 | 6189.36 | 6202.38 |
| 60 | 2030-05 | 6215.44 | 13.05 | 6202.38 | 0.00 |
等额本金还款方式：
贷款总额：35万
还款月数：5年
首月还款：6569.79元
每月递减：12.27元
利息总额：2.25万
本息合计：37.25万
节省利息：464.15元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 6569.79 | 736.46 | 5833.33 | 344166.67 |
| 2 | 2025-07 | 6557.52 | 724.18 | 5833.33 | 338333.33 |
| 3 | 2025-08 | 6545.24 | 711.91 | 5833.33 | 332500.00 |
| 4 | 2025-09 | 6532.97 | 699.64 | 5833.33 | 326666.67 |
| 5 | 2025-10 | 6520.69 | 687.36 | 5833.33 | 320833.33 |
| 6 | 2025-11 | 6508.42 | 675.09 | 5833.33 | 315000.00 |
| 7 | 2025-12 | 6496.15 | 662.81 | 5833.33 | 309166.67 |
| 8 | 2026-01 | 6483.87 | 650.54 | 5833.33 | 303333.33 |
| 9 | 2026-02 | 6471.60 | 638.26 | 5833.33 | 297500.00 |
| 10 | 2026-03 | 6459.32 | 625.99 | 5833.33 | 291666.67 |
| 11 | 2026-04 | 6447.05 | 613.72 | 5833.33 | 285833.33 |
| 12 | 2026-05 | 6434.77 | 601.44 | 5833.33 | 280000.00 |
| 13 | 2026-06 | 6422.50 | 589.17 | 5833.33 | 274166.67 |
| 14 | 2026-07 | 6410.23 | 576.89 | 5833.33 | 268333.33 |
| 15 | 2026-08 | 6397.95 | 564.62 | 5833.33 | 262500.00 |
| 16 | 2026-09 | 6385.68 | 552.34 | 5833.33 | 256666.67 |
| 17 | 2026-10 | 6373.40 | 540.07 | 5833.33 | 250833.33 |
| 18 | 2026-11 | 6361.13 | 527.80 | 5833.33 | 245000.00 |
| 19 | 2026-12 | 6348.85 | 515.52 | 5833.33 | 239166.67 |
| 20 | 2027-01 | 6336.58 | 503.25 | 5833.33 | 233333.33 |
| 21 | 2027-02 | 6324.31 | 490.97 | 5833.33 | 227500.00 |
| 22 | 2027-03 | 6312.03 | 478.70 | 5833.33 | 221666.67 |
| 23 | 2027-04 | 6299.76 | 466.42 | 5833.33 | 215833.33 |
| 24 | 2027-05 | 6287.48 | 454.15 | 5833.33 | 210000.00 |
| 25 | 2027-06 | 6275.21 | 441.87 | 5833.33 | 204166.67 |
| 26 | 2027-07 | 6262.93 | 429.60 | 5833.33 | 198333.33 |
| 27 | 2027-08 | 6250.66 | 417.33 | 5833.33 | 192500.00 |
| 28 | 2027-09 | 6238.39 | 405.05 | 5833.33 | 186666.67 |
| 29 | 2027-10 | 6226.11 | 392.78 | 5833.33 | 180833.33 |
| 30 | 2027-11 | 6213.84 | 380.50 | 5833.33 | 175000.00 |
| 31 | 2027-12 | 6201.56 | 368.23 | 5833.33 | 169166.67 |
| 32 | 2028-01 | 6189.29 | 355.95 | 5833.33 | 163333.33 |
| 33 | 2028-02 | 6177.01 | 343.68 | 5833.33 | 157500.00 |
| 34 | 2028-03 | 6164.74 | 331.41 | 5833.33 | 151666.67 |
| 35 | 2028-04 | 6152.47 | 319.13 | 5833.33 | 145833.33 |
| 36 | 2028-05 | 6140.19 | 306.86 | 5833.33 | 140000.00 |
| 37 | 2028-06 | 6127.92 | 294.58 | 5833.33 | 134166.67 |
| 38 | 2028-07 | 6115.64 | 282.31 | 5833.33 | 128333.33 |
| 39 | 2028-08 | 6103.37 | 270.03 | 5833.33 | 122500.00 |
| 40 | 2028-09 | 6091.09 | 257.76 | 5833.33 | 116666.67 |
| 41 | 2028-10 | 6078.82 | 245.49 | 5833.33 | 110833.33 |
| 42 | 2028-11 | 6066.55 | 233.21 | 5833.33 | 105000.00 |
| 43 | 2028-12 | 6054.27 | 220.94 | 5833.33 | 99166.67 |
| 44 | 2029-01 | 6042.00 | 208.66 | 5833.33 | 93333.33 |
| 45 | 2029-02 | 6029.72 | 196.39 | 5833.33 | 87500.00 |
| 46 | 2029-03 | 6017.45 | 184.11 | 5833.33 | 81666.67 |
| 47 | 2029-04 | 6005.17 | 171.84 | 5833.33 | 75833.33 |
| 48 | 2029-05 | 5992.90 | 159.57 | 5833.33 | 70000.00 |
| 49 | 2029-06 | 5980.63 | 147.29 | 5833.33 | 64166.67 |
| 50 | 2029-07 | 5968.35 | 135.02 | 5833.33 | 58333.33 |
| 51 | 2029-08 | 5956.08 | 122.74 | 5833.33 | 52500.00 |
| 52 | 2029-09 | 5943.80 | 110.47 | 5833.33 | 46666.67 |
| 53 | 2029-10 | 5931.53 | 98.19 | 5833.33 | 40833.33 |
| 54 | 2029-11 | 5919.25 | 85.92 | 5833.33 | 35000.00 |
| 55 | 2029-12 | 5906.98 | 73.65 | 5833.33 | 29166.67 |
| 56 | 2030-01 | 5894.70 | 61.37 | 5833.33 | 23333.33 |
| 57 | 2030-02 | 5882.43 | 49.10 | 5833.33 | 17500.00 |
| 58 | 2030-03 | 5870.16 | 36.82 | 5833.33 | 11666.67 |
| 59 | 2030-04 | 5857.88 | 24.55 | 5833.33 | 5833.33 |
| 60 | 2030-05 | 5845.61 | 12.27 | 5833.33 | 0.00 |