贷款1.31万（公积金贷款）房贷，还款5年4个月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：1.31万
还款月数：5年4个月
每月还款：219.01元
利息总额：941.61元
本息合计：1.4万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 219.01 | 28.33 | 190.68 | 12884.32 |
| 2 | 2025-06 | 219.01 | 27.92 | 191.09 | 12693.23 |
| 3 | 2025-07 | 219.01 | 27.50 | 191.51 | 12501.72 |
| 4 | 2025-08 | 219.01 | 27.09 | 191.92 | 12309.80 |
| 5 | 2025-09 | 219.01 | 26.67 | 192.34 | 12117.46 |
| 6 | 2025-10 | 219.01 | 26.25 | 192.76 | 11924.70 |
| 7 | 2025-11 | 219.01 | 25.84 | 193.17 | 11731.53 |
| 8 | 2025-12 | 219.01 | 25.42 | 193.59 | 11537.94 |
| 9 | 2026-01 | 219.01 | 25.00 | 194.01 | 11343.93 |
| 10 | 2026-02 | 219.01 | 24.58 | 194.43 | 11149.50 |
| 11 | 2026-03 | 219.01 | 24.16 | 194.85 | 10954.64 |
| 12 | 2026-04 | 219.01 | 23.74 | 195.27 | 10759.37 |
| 13 | 2026-05 | 219.01 | 23.31 | 195.70 | 10563.67 |
| 14 | 2026-06 | 219.01 | 22.89 | 196.12 | 10367.55 |
| 15 | 2026-07 | 219.01 | 22.46 | 196.55 | 10171.00 |
| 16 | 2026-08 | 219.01 | 22.04 | 196.97 | 9974.03 |
| 17 | 2026-09 | 219.01 | 21.61 | 197.40 | 9776.63 |
| 18 | 2026-10 | 219.01 | 21.18 | 197.83 | 9578.81 |
| 19 | 2026-11 | 219.01 | 20.75 | 198.26 | 9380.55 |
| 20 | 2026-12 | 219.01 | 20.32 | 198.69 | 9181.86 |
| 21 | 2027-01 | 219.01 | 19.89 | 199.12 | 8982.75 |
| 22 | 2027-02 | 219.01 | 19.46 | 199.55 | 8783.20 |
| 23 | 2027-03 | 219.01 | 19.03 | 199.98 | 8583.22 |
| 24 | 2027-04 | 219.01 | 18.60 | 200.41 | 8382.81 |
| 25 | 2027-05 | 219.01 | 18.16 | 200.85 | 8181.96 |
| 26 | 2027-06 | 219.01 | 17.73 | 201.28 | 7980.68 |
| 27 | 2027-07 | 219.01 | 17.29 | 201.72 | 7778.96 |
| 28 | 2027-08 | 219.01 | 16.85 | 202.16 | 7576.81 |
| 29 | 2027-09 | 219.01 | 16.42 | 202.59 | 7374.21 |
| 30 | 2027-10 | 219.01 | 15.98 | 203.03 | 7171.18 |
| 31 | 2027-11 | 219.01 | 15.54 | 203.47 | 6967.71 |
| 32 | 2027-12 | 219.01 | 15.10 | 203.91 | 6763.80 |
| 33 | 2028-01 | 219.01 | 14.65 | 204.35 | 6559.44 |
| 34 | 2028-02 | 219.01 | 14.21 | 204.80 | 6354.65 |
| 35 | 2028-03 | 219.01 | 13.77 | 205.24 | 6149.40 |
| 36 | 2028-04 | 219.01 | 13.32 | 205.69 | 5943.72 |
| 37 | 2028-05 | 219.01 | 12.88 | 206.13 | 5737.59 |
| 38 | 2028-06 | 219.01 | 12.43 | 206.58 | 5531.01 |
| 39 | 2028-07 | 219.01 | 11.98 | 207.03 | 5323.98 |
| 40 | 2028-08 | 219.01 | 11.54 | 207.47 | 5116.51 |
| 41 | 2028-09 | 219.01 | 11.09 | 207.92 | 4908.58 |
| 42 | 2028-10 | 219.01 | 10.64 | 208.37 | 4700.21 |
| 43 | 2028-11 | 219.01 | 10.18 | 208.83 | 4491.38 |
| 44 | 2028-12 | 219.01 | 9.73 | 209.28 | 4282.11 |
| 45 | 2029-01 | 219.01 | 9.28 | 209.73 | 4072.37 |
| 46 | 2029-02 | 219.01 | 8.82 | 210.19 | 3862.19 |
| 47 | 2029-03 | 219.01 | 8.37 | 210.64 | 3651.55 |
| 48 | 2029-04 | 219.01 | 7.91 | 211.10 | 3440.45 |
| 49 | 2029-05 | 219.01 | 7.45 | 211.56 | 3228.89 |
| 50 | 2029-06 | 219.01 | 7.00 | 212.01 | 3016.88 |
| 51 | 2029-07 | 219.01 | 6.54 | 212.47 | 2804.41 |
| 52 | 2029-08 | 219.01 | 6.08 | 212.93 | 2591.47 |
| 53 | 2029-09 | 219.01 | 5.61 | 213.39 | 2378.08 |
| 54 | 2029-10 | 219.01 | 5.15 | 213.86 | 2164.22 |
| 55 | 2029-11 | 219.01 | 4.69 | 214.32 | 1949.90 |
| 56 | 2029-12 | 219.01 | 4.22 | 214.78 | 1735.12 |
| 57 | 2030-01 | 219.01 | 3.76 | 215.25 | 1519.87 |
| 58 | 2030-02 | 219.01 | 3.29 | 215.72 | 1304.15 |
| 59 | 2030-03 | 219.01 | 2.83 | 216.18 | 1087.97 |
| 60 | 2030-04 | 219.01 | 2.36 | 216.65 | 871.31 |
| 61 | 2030-05 | 219.01 | 1.89 | 217.12 | 654.19 |
| 62 | 2030-06 | 219.01 | 1.42 | 217.59 | 436.60 |
| 63 | 2030-07 | 219.01 | 0.95 | 218.06 | 218.54 |
| 64 | 2030-08 | 219.01 | 0.47 | 218.54 | 0.00 |
等额本金还款方式：
贷款总额：1.31万
还款月数：5年4个月
首月还款：232.63元
每月递减：0.44元
利息总额：920.7元
本息合计：1.4万
节省利息：20.92元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 232.63 | 28.33 | 204.30 | 12870.70 |
| 2 | 2025-06 | 232.18 | 27.89 | 204.30 | 12666.41 |
| 3 | 2025-07 | 231.74 | 27.44 | 204.30 | 12462.11 |
| 4 | 2025-08 | 231.30 | 27.00 | 204.30 | 12257.81 |
| 5 | 2025-09 | 230.86 | 26.56 | 204.30 | 12053.52 |
| 6 | 2025-10 | 230.41 | 26.12 | 204.30 | 11849.22 |
| 7 | 2025-11 | 229.97 | 25.67 | 204.30 | 11644.92 |
| 8 | 2025-12 | 229.53 | 25.23 | 204.30 | 11440.63 |
| 9 | 2026-01 | 229.08 | 24.79 | 204.30 | 11236.33 |
| 10 | 2026-02 | 228.64 | 24.35 | 204.30 | 11032.03 |
| 11 | 2026-03 | 228.20 | 23.90 | 204.30 | 10827.73 |
| 12 | 2026-04 | 227.76 | 23.46 | 204.30 | 10623.44 |
| 13 | 2026-05 | 227.31 | 23.02 | 204.30 | 10419.14 |
| 14 | 2026-06 | 226.87 | 22.57 | 204.30 | 10214.84 |
| 15 | 2026-07 | 226.43 | 22.13 | 204.30 | 10010.55 |
| 16 | 2026-08 | 225.99 | 21.69 | 204.30 | 9806.25 |
| 17 | 2026-09 | 225.54 | 21.25 | 204.30 | 9601.95 |
| 18 | 2026-10 | 225.10 | 20.80 | 204.30 | 9397.66 |
| 19 | 2026-11 | 224.66 | 20.36 | 204.30 | 9193.36 |
| 20 | 2026-12 | 224.22 | 19.92 | 204.30 | 8989.06 |
| 21 | 2027-01 | 223.77 | 19.48 | 204.30 | 8784.77 |
| 22 | 2027-02 | 223.33 | 19.03 | 204.30 | 8580.47 |
| 23 | 2027-03 | 222.89 | 18.59 | 204.30 | 8376.17 |
| 24 | 2027-04 | 222.45 | 18.15 | 204.30 | 8171.88 |
| 25 | 2027-05 | 222.00 | 17.71 | 204.30 | 7967.58 |
| 26 | 2027-06 | 221.56 | 17.26 | 204.30 | 7763.28 |
| 27 | 2027-07 | 221.12 | 16.82 | 204.30 | 7558.98 |
| 28 | 2027-08 | 220.67 | 16.38 | 204.30 | 7354.69 |
| 29 | 2027-09 | 220.23 | 15.94 | 204.30 | 7150.39 |
| 30 | 2027-10 | 219.79 | 15.49 | 204.30 | 6946.09 |
| 31 | 2027-11 | 219.35 | 15.05 | 204.30 | 6741.80 |
| 32 | 2027-12 | 218.90 | 14.61 | 204.30 | 6537.50 |
| 33 | 2028-01 | 218.46 | 14.16 | 204.30 | 6333.20 |
| 34 | 2028-02 | 218.02 | 13.72 | 204.30 | 6128.91 |
| 35 | 2028-03 | 217.58 | 13.28 | 204.30 | 5924.61 |
| 36 | 2028-04 | 217.13 | 12.84 | 204.30 | 5720.31 |
| 37 | 2028-05 | 216.69 | 12.39 | 204.30 | 5516.02 |
| 38 | 2028-06 | 216.25 | 11.95 | 204.30 | 5311.72 |
| 39 | 2028-07 | 215.81 | 11.51 | 204.30 | 5107.42 |
| 40 | 2028-08 | 215.36 | 11.07 | 204.30 | 4903.13 |
| 41 | 2028-09 | 214.92 | 10.62 | 204.30 | 4698.83 |
| 42 | 2028-10 | 214.48 | 10.18 | 204.30 | 4494.53 |
| 43 | 2028-11 | 214.04 | 9.74 | 204.30 | 4290.23 |
| 44 | 2028-12 | 213.59 | 9.30 | 204.30 | 4085.94 |
| 45 | 2029-01 | 213.15 | 8.85 | 204.30 | 3881.64 |
| 46 | 2029-02 | 212.71 | 8.41 | 204.30 | 3677.34 |
| 47 | 2029-03 | 212.26 | 7.97 | 204.30 | 3473.05 |
| 48 | 2029-04 | 211.82 | 7.52 | 204.30 | 3268.75 |
| 49 | 2029-05 | 211.38 | 7.08 | 204.30 | 3064.45 |
| 50 | 2029-06 | 210.94 | 6.64 | 204.30 | 2860.16 |
| 51 | 2029-07 | 210.49 | 6.20 | 204.30 | 2655.86 |
| 52 | 2029-08 | 210.05 | 5.75 | 204.30 | 2451.56 |
| 53 | 2029-09 | 209.61 | 5.31 | 204.30 | 2247.27 |
| 54 | 2029-10 | 209.17 | 4.87 | 204.30 | 2042.97 |
| 55 | 2029-11 | 208.72 | 4.43 | 204.30 | 1838.67 |
| 56 | 2029-12 | 208.28 | 3.98 | 204.30 | 1634.38 |
| 57 | 2030-01 | 207.84 | 3.54 | 204.30 | 1430.08 |
| 58 | 2030-02 | 207.40 | 3.10 | 204.30 | 1225.78 |
| 59 | 2030-03 | 206.95 | 2.66 | 204.30 | 1021.48 |
| 60 | 2030-04 | 206.51 | 2.21 | 204.30 | 817.19 |
| 61 | 2030-05 | 206.07 | 1.77 | 204.30 | 612.89 |
| 62 | 2030-06 | 205.62 | 1.33 | 204.30 | 408.59 |
| 63 | 2030-07 | 205.18 | 0.89 | 204.30 | 204.30 |
| 64 | 2030-08 | 204.74 | 0.44 | 204.30 | 0.00 |