贷款22.5万（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：22.5万
还款月数：5年
每月还款：3953.6元
利息总额：1.22万
本息合计：23.72万
| 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 | 3953.60 | 393.75 | 3559.85 | 221440.15 |
| 2 | 2025-07 | 3953.60 | 387.52 | 3566.08 | 217874.08 |
| 3 | 2025-08 | 3953.60 | 381.28 | 3572.32 | 214301.76 |
| 4 | 2025-09 | 3953.60 | 375.03 | 3578.57 | 210723.19 |
| 5 | 2025-10 | 3953.60 | 368.77 | 3584.83 | 207138.36 |
| 6 | 2025-11 | 3953.60 | 362.49 | 3591.10 | 203547.25 |
| 7 | 2025-12 | 3953.60 | 356.21 | 3597.39 | 199949.86 |
| 8 | 2026-01 | 3953.60 | 349.91 | 3603.68 | 196346.18 |
| 9 | 2026-02 | 3953.60 | 343.61 | 3609.99 | 192736.19 |
| 10 | 2026-03 | 3953.60 | 337.29 | 3616.31 | 189119.88 |
| 11 | 2026-04 | 3953.60 | 330.96 | 3622.64 | 185497.24 |
| 12 | 2026-05 | 3953.60 | 324.62 | 3628.98 | 181868.27 |
| 13 | 2026-06 | 3953.60 | 318.27 | 3635.33 | 178232.94 |
| 14 | 2026-07 | 3953.60 | 311.91 | 3641.69 | 174591.25 |
| 15 | 2026-08 | 3953.60 | 305.53 | 3648.06 | 170943.19 |
| 16 | 2026-09 | 3953.60 | 299.15 | 3654.45 | 167288.74 |
| 17 | 2026-10 | 3953.60 | 292.76 | 3660.84 | 163627.90 |
| 18 | 2026-11 | 3953.60 | 286.35 | 3667.25 | 159960.65 |
| 19 | 2026-12 | 3953.60 | 279.93 | 3673.67 | 156286.99 |
| 20 | 2027-01 | 3953.60 | 273.50 | 3680.09 | 152606.89 |
| 21 | 2027-02 | 3953.60 | 267.06 | 3686.53 | 148920.36 |
| 22 | 2027-03 | 3953.60 | 260.61 | 3692.99 | 145227.37 |
| 23 | 2027-04 | 3953.60 | 254.15 | 3699.45 | 141527.92 |
| 24 | 2027-05 | 3953.60 | 247.67 | 3705.92 | 137822.00 |
| 25 | 2027-06 | 3953.60 | 241.19 | 3712.41 | 134109.59 |
| 26 | 2027-07 | 3953.60 | 234.69 | 3718.91 | 130390.68 |
| 27 | 2027-08 | 3953.60 | 228.18 | 3725.41 | 126665.27 |
| 28 | 2027-09 | 3953.60 | 221.66 | 3731.93 | 122933.34 |
| 29 | 2027-10 | 3953.60 | 215.13 | 3738.46 | 119194.87 |
| 30 | 2027-11 | 3953.60 | 208.59 | 3745.01 | 115449.87 |
| 31 | 2027-12 | 3953.60 | 202.04 | 3751.56 | 111698.31 |
| 32 | 2028-01 | 3953.60 | 195.47 | 3758.12 | 107940.18 |
| 33 | 2028-02 | 3953.60 | 188.90 | 3764.70 | 104175.48 |
| 34 | 2028-03 | 3953.60 | 182.31 | 3771.29 | 100404.19 |
| 35 | 2028-04 | 3953.60 | 175.71 | 3777.89 | 96626.30 |
| 36 | 2028-05 | 3953.60 | 169.10 | 3784.50 | 92841.80 |
| 37 | 2028-06 | 3953.60 | 162.47 | 3791.12 | 89050.68 |
| 38 | 2028-07 | 3953.60 | 155.84 | 3797.76 | 85252.92 |
| 39 | 2028-08 | 3953.60 | 149.19 | 3804.40 | 81448.51 |
| 40 | 2028-09 | 3953.60 | 142.53 | 3811.06 | 77637.45 |
| 41 | 2028-10 | 3953.60 | 135.87 | 3817.73 | 73819.72 |
| 42 | 2028-11 | 3953.60 | 129.18 | 3824.41 | 69995.31 |
| 43 | 2028-12 | 3953.60 | 122.49 | 3831.11 | 66164.20 |
| 44 | 2029-01 | 3953.60 | 115.79 | 3837.81 | 62326.39 |
| 45 | 2029-02 | 3953.60 | 109.07 | 3844.53 | 58481.87 |
| 46 | 2029-03 | 3953.60 | 102.34 | 3851.25 | 54630.61 |
| 47 | 2029-04 | 3953.60 | 95.60 | 3857.99 | 50772.62 |
| 48 | 2029-05 | 3953.60 | 88.85 | 3864.74 | 46907.88 |
| 49 | 2029-06 | 3953.60 | 82.09 | 3871.51 | 43036.37 |
| 50 | 2029-07 | 3953.60 | 75.31 | 3878.28 | 39158.08 |
| 51 | 2029-08 | 3953.60 | 68.53 | 3885.07 | 35273.01 |
| 52 | 2029-09 | 3953.60 | 61.73 | 3891.87 | 31381.15 |
| 53 | 2029-10 | 3953.60 | 54.92 | 3898.68 | 27482.47 |
| 54 | 2029-11 | 3953.60 | 48.09 | 3905.50 | 23576.96 |
| 55 | 2029-12 | 3953.60 | 41.26 | 3912.34 | 19664.63 |
| 56 | 2030-01 | 3953.60 | 34.41 | 3919.18 | 15745.44 |
| 57 | 2030-02 | 3953.60 | 27.55 | 3926.04 | 11819.40 |
| 58 | 2030-03 | 3953.60 | 20.68 | 3932.91 | 7886.49 |
| 59 | 2030-04 | 3953.60 | 13.80 | 3939.80 | 3946.69 |
| 60 | 2030-05 | 3953.60 | 6.91 | 3946.69 | 0.00 |
等额本金还款方式：
贷款总额：22.5万
还款月数：5年
首月还款：4143.75元
每月递减：6.56元
利息总额：1.2万
本息合计：23.7万
节省利息：206.44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 | 4143.75 | 393.75 | 3750.00 | 221250.00 |
| 2 | 2025-07 | 4137.19 | 387.19 | 3750.00 | 217500.00 |
| 3 | 2025-08 | 4130.63 | 380.63 | 3750.00 | 213750.00 |
| 4 | 2025-09 | 4124.06 | 374.06 | 3750.00 | 210000.00 |
| 5 | 2025-10 | 4117.50 | 367.50 | 3750.00 | 206250.00 |
| 6 | 2025-11 | 4110.94 | 360.94 | 3750.00 | 202500.00 |
| 7 | 2025-12 | 4104.38 | 354.38 | 3750.00 | 198750.00 |
| 8 | 2026-01 | 4097.81 | 347.81 | 3750.00 | 195000.00 |
| 9 | 2026-02 | 4091.25 | 341.25 | 3750.00 | 191250.00 |
| 10 | 2026-03 | 4084.69 | 334.69 | 3750.00 | 187500.00 |
| 11 | 2026-04 | 4078.13 | 328.13 | 3750.00 | 183750.00 |
| 12 | 2026-05 | 4071.56 | 321.56 | 3750.00 | 180000.00 |
| 13 | 2026-06 | 4065.00 | 315.00 | 3750.00 | 176250.00 |
| 14 | 2026-07 | 4058.44 | 308.44 | 3750.00 | 172500.00 |
| 15 | 2026-08 | 4051.88 | 301.88 | 3750.00 | 168750.00 |
| 16 | 2026-09 | 4045.31 | 295.31 | 3750.00 | 165000.00 |
| 17 | 2026-10 | 4038.75 | 288.75 | 3750.00 | 161250.00 |
| 18 | 2026-11 | 4032.19 | 282.19 | 3750.00 | 157500.00 |
| 19 | 2026-12 | 4025.63 | 275.63 | 3750.00 | 153750.00 |
| 20 | 2027-01 | 4019.06 | 269.06 | 3750.00 | 150000.00 |
| 21 | 2027-02 | 4012.50 | 262.50 | 3750.00 | 146250.00 |
| 22 | 2027-03 | 4005.94 | 255.94 | 3750.00 | 142500.00 |
| 23 | 2027-04 | 3999.38 | 249.38 | 3750.00 | 138750.00 |
| 24 | 2027-05 | 3992.81 | 242.81 | 3750.00 | 135000.00 |
| 25 | 2027-06 | 3986.25 | 236.25 | 3750.00 | 131250.00 |
| 26 | 2027-07 | 3979.69 | 229.69 | 3750.00 | 127500.00 |
| 27 | 2027-08 | 3973.13 | 223.13 | 3750.00 | 123750.00 |
| 28 | 2027-09 | 3966.56 | 216.56 | 3750.00 | 120000.00 |
| 29 | 2027-10 | 3960.00 | 210.00 | 3750.00 | 116250.00 |
| 30 | 2027-11 | 3953.44 | 203.44 | 3750.00 | 112500.00 |
| 31 | 2027-12 | 3946.88 | 196.88 | 3750.00 | 108750.00 |
| 32 | 2028-01 | 3940.31 | 190.31 | 3750.00 | 105000.00 |
| 33 | 2028-02 | 3933.75 | 183.75 | 3750.00 | 101250.00 |
| 34 | 2028-03 | 3927.19 | 177.19 | 3750.00 | 97500.00 |
| 35 | 2028-04 | 3920.63 | 170.63 | 3750.00 | 93750.00 |
| 36 | 2028-05 | 3914.06 | 164.06 | 3750.00 | 90000.00 |
| 37 | 2028-06 | 3907.50 | 157.50 | 3750.00 | 86250.00 |
| 38 | 2028-07 | 3900.94 | 150.94 | 3750.00 | 82500.00 |
| 39 | 2028-08 | 3894.38 | 144.38 | 3750.00 | 78750.00 |
| 40 | 2028-09 | 3887.81 | 137.81 | 3750.00 | 75000.00 |
| 41 | 2028-10 | 3881.25 | 131.25 | 3750.00 | 71250.00 |
| 42 | 2028-11 | 3874.69 | 124.69 | 3750.00 | 67500.00 |
| 43 | 2028-12 | 3868.13 | 118.13 | 3750.00 | 63750.00 |
| 44 | 2029-01 | 3861.56 | 111.56 | 3750.00 | 60000.00 |
| 45 | 2029-02 | 3855.00 | 105.00 | 3750.00 | 56250.00 |
| 46 | 2029-03 | 3848.44 | 98.44 | 3750.00 | 52500.00 |
| 47 | 2029-04 | 3841.88 | 91.88 | 3750.00 | 48750.00 |
| 48 | 2029-05 | 3835.31 | 85.31 | 3750.00 | 45000.00 |
| 49 | 2029-06 | 3828.75 | 78.75 | 3750.00 | 41250.00 |
| 50 | 2029-07 | 3822.19 | 72.19 | 3750.00 | 37500.00 |
| 51 | 2029-08 | 3815.63 | 65.63 | 3750.00 | 33750.00 |
| 52 | 2029-09 | 3809.06 | 59.06 | 3750.00 | 30000.00 |
| 53 | 2029-10 | 3802.50 | 52.50 | 3750.00 | 26250.00 |
| 54 | 2029-11 | 3795.94 | 45.94 | 3750.00 | 22500.00 |
| 55 | 2029-12 | 3789.38 | 39.38 | 3750.00 | 18750.00 |
| 56 | 2030-01 | 3782.81 | 32.81 | 3750.00 | 15000.00 |
| 57 | 2030-02 | 3776.25 | 26.25 | 3750.00 | 11250.00 |
| 58 | 2030-03 | 3769.69 | 19.69 | 3750.00 | 7500.00 |
| 59 | 2030-04 | 3763.13 | 13.13 | 3750.00 | 3750.00 |
| 60 | 2030-05 | 3756.56 | 6.56 | 3750.00 | 0.00 |