贷款22.8万（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：22.8万
还款月数：5年
每月还款：4006.31元
利息总额：1.24万
本息合计：24.04万
| 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 | 4006.31 | 399.00 | 3607.31 | 224392.69 |
| 2 | 2025-07 | 4006.31 | 392.69 | 3613.62 | 220779.06 |
| 3 | 2025-08 | 4006.31 | 386.36 | 3619.95 | 217159.12 |
| 4 | 2025-09 | 4006.31 | 380.03 | 3626.28 | 213532.83 |
| 5 | 2025-10 | 4006.31 | 373.68 | 3632.63 | 209900.20 |
| 6 | 2025-11 | 4006.31 | 367.33 | 3638.99 | 206261.22 |
| 7 | 2025-12 | 4006.31 | 360.96 | 3645.35 | 202615.86 |
| 8 | 2026-01 | 4006.31 | 354.58 | 3651.73 | 198964.13 |
| 9 | 2026-02 | 4006.31 | 348.19 | 3658.12 | 195306.00 |
| 10 | 2026-03 | 4006.31 | 341.79 | 3664.53 | 191641.48 |
| 11 | 2026-04 | 4006.31 | 335.37 | 3670.94 | 187970.54 |
| 12 | 2026-05 | 4006.31 | 328.95 | 3677.36 | 184293.18 |
| 13 | 2026-06 | 4006.31 | 322.51 | 3683.80 | 180609.38 |
| 14 | 2026-07 | 4006.31 | 316.07 | 3690.25 | 176919.13 |
| 15 | 2026-08 | 4006.31 | 309.61 | 3696.70 | 173222.43 |
| 16 | 2026-09 | 4006.31 | 303.14 | 3703.17 | 169519.26 |
| 17 | 2026-10 | 4006.31 | 296.66 | 3709.65 | 165809.60 |
| 18 | 2026-11 | 4006.31 | 290.17 | 3716.14 | 162093.46 |
| 19 | 2026-12 | 4006.31 | 283.66 | 3722.65 | 158370.81 |
| 20 | 2027-01 | 4006.31 | 277.15 | 3729.16 | 154641.65 |
| 21 | 2027-02 | 4006.31 | 270.62 | 3735.69 | 150905.96 |
| 22 | 2027-03 | 4006.31 | 264.09 | 3742.23 | 147163.73 |
| 23 | 2027-04 | 4006.31 | 257.54 | 3748.78 | 143414.96 |
| 24 | 2027-05 | 4006.31 | 250.98 | 3755.34 | 139659.62 |
| 25 | 2027-06 | 4006.31 | 244.40 | 3761.91 | 135897.72 |
| 26 | 2027-07 | 4006.31 | 237.82 | 3768.49 | 132129.23 |
| 27 | 2027-08 | 4006.31 | 231.23 | 3775.09 | 128354.14 |
| 28 | 2027-09 | 4006.31 | 224.62 | 3781.69 | 124572.45 |
| 29 | 2027-10 | 4006.31 | 218.00 | 3788.31 | 120784.14 |
| 30 | 2027-11 | 4006.31 | 211.37 | 3794.94 | 116989.20 |
| 31 | 2027-12 | 4006.31 | 204.73 | 3801.58 | 113187.62 |
| 32 | 2028-01 | 4006.31 | 198.08 | 3808.23 | 109379.39 |
| 33 | 2028-02 | 4006.31 | 191.41 | 3814.90 | 105564.49 |
| 34 | 2028-03 | 4006.31 | 184.74 | 3821.57 | 101742.91 |
| 35 | 2028-04 | 4006.31 | 178.05 | 3828.26 | 97914.65 |
| 36 | 2028-05 | 4006.31 | 171.35 | 3834.96 | 94079.69 |
| 37 | 2028-06 | 4006.31 | 164.64 | 3841.67 | 90238.02 |
| 38 | 2028-07 | 4006.31 | 157.92 | 3848.40 | 86389.62 |
| 39 | 2028-08 | 4006.31 | 151.18 | 3855.13 | 82534.49 |
| 40 | 2028-09 | 4006.31 | 144.44 | 3861.88 | 78672.62 |
| 41 | 2028-10 | 4006.31 | 137.68 | 3868.63 | 74803.98 |
| 42 | 2028-11 | 4006.31 | 130.91 | 3875.40 | 70928.58 |
| 43 | 2028-12 | 4006.31 | 124.13 | 3882.19 | 67046.39 |
| 44 | 2029-01 | 4006.31 | 117.33 | 3888.98 | 63157.41 |
| 45 | 2029-02 | 4006.31 | 110.53 | 3895.79 | 59261.63 |
| 46 | 2029-03 | 4006.31 | 103.71 | 3902.60 | 55359.02 |
| 47 | 2029-04 | 4006.31 | 96.88 | 3909.43 | 51449.59 |
| 48 | 2029-05 | 4006.31 | 90.04 | 3916.27 | 47533.31 |
| 49 | 2029-06 | 4006.31 | 83.18 | 3923.13 | 43610.19 |
| 50 | 2029-07 | 4006.31 | 76.32 | 3929.99 | 39680.19 |
| 51 | 2029-08 | 4006.31 | 69.44 | 3936.87 | 35743.32 |
| 52 | 2029-09 | 4006.31 | 62.55 | 3943.76 | 31799.56 |
| 53 | 2029-10 | 4006.31 | 55.65 | 3950.66 | 27848.90 |
| 54 | 2029-11 | 4006.31 | 48.74 | 3957.58 | 23891.32 |
| 55 | 2029-12 | 4006.31 | 41.81 | 3964.50 | 19926.82 |
| 56 | 2030-01 | 4006.31 | 34.87 | 3971.44 | 15955.38 |
| 57 | 2030-02 | 4006.31 | 27.92 | 3978.39 | 11976.99 |
| 58 | 2030-03 | 4006.31 | 20.96 | 3985.35 | 7991.64 |
| 59 | 2030-04 | 4006.31 | 13.99 | 3992.33 | 3999.31 |
| 60 | 2030-05 | 4006.31 | 7.00 | 3999.31 | 0.00 |
等额本金还款方式：
贷款总额：22.8万
还款月数：5年
首月还款：4199元
每月递减：6.65元
利息总额：1.22万
本息合计：24.02万
节省利息：209.2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 | 4199.00 | 399.00 | 3800.00 | 224200.00 |
| 2 | 2025-07 | 4192.35 | 392.35 | 3800.00 | 220400.00 |
| 3 | 2025-08 | 4185.70 | 385.70 | 3800.00 | 216600.00 |
| 4 | 2025-09 | 4179.05 | 379.05 | 3800.00 | 212800.00 |
| 5 | 2025-10 | 4172.40 | 372.40 | 3800.00 | 209000.00 |
| 6 | 2025-11 | 4165.75 | 365.75 | 3800.00 | 205200.00 |
| 7 | 2025-12 | 4159.10 | 359.10 | 3800.00 | 201400.00 |
| 8 | 2026-01 | 4152.45 | 352.45 | 3800.00 | 197600.00 |
| 9 | 2026-02 | 4145.80 | 345.80 | 3800.00 | 193800.00 |
| 10 | 2026-03 | 4139.15 | 339.15 | 3800.00 | 190000.00 |
| 11 | 2026-04 | 4132.50 | 332.50 | 3800.00 | 186200.00 |
| 12 | 2026-05 | 4125.85 | 325.85 | 3800.00 | 182400.00 |
| 13 | 2026-06 | 4119.20 | 319.20 | 3800.00 | 178600.00 |
| 14 | 2026-07 | 4112.55 | 312.55 | 3800.00 | 174800.00 |
| 15 | 2026-08 | 4105.90 | 305.90 | 3800.00 | 171000.00 |
| 16 | 2026-09 | 4099.25 | 299.25 | 3800.00 | 167200.00 |
| 17 | 2026-10 | 4092.60 | 292.60 | 3800.00 | 163400.00 |
| 18 | 2026-11 | 4085.95 | 285.95 | 3800.00 | 159600.00 |
| 19 | 2026-12 | 4079.30 | 279.30 | 3800.00 | 155800.00 |
| 20 | 2027-01 | 4072.65 | 272.65 | 3800.00 | 152000.00 |
| 21 | 2027-02 | 4066.00 | 266.00 | 3800.00 | 148200.00 |
| 22 | 2027-03 | 4059.35 | 259.35 | 3800.00 | 144400.00 |
| 23 | 2027-04 | 4052.70 | 252.70 | 3800.00 | 140600.00 |
| 24 | 2027-05 | 4046.05 | 246.05 | 3800.00 | 136800.00 |
| 25 | 2027-06 | 4039.40 | 239.40 | 3800.00 | 133000.00 |
| 26 | 2027-07 | 4032.75 | 232.75 | 3800.00 | 129200.00 |
| 27 | 2027-08 | 4026.10 | 226.10 | 3800.00 | 125400.00 |
| 28 | 2027-09 | 4019.45 | 219.45 | 3800.00 | 121600.00 |
| 29 | 2027-10 | 4012.80 | 212.80 | 3800.00 | 117800.00 |
| 30 | 2027-11 | 4006.15 | 206.15 | 3800.00 | 114000.00 |
| 31 | 2027-12 | 3999.50 | 199.50 | 3800.00 | 110200.00 |
| 32 | 2028-01 | 3992.85 | 192.85 | 3800.00 | 106400.00 |
| 33 | 2028-02 | 3986.20 | 186.20 | 3800.00 | 102600.00 |
| 34 | 2028-03 | 3979.55 | 179.55 | 3800.00 | 98800.00 |
| 35 | 2028-04 | 3972.90 | 172.90 | 3800.00 | 95000.00 |
| 36 | 2028-05 | 3966.25 | 166.25 | 3800.00 | 91200.00 |
| 37 | 2028-06 | 3959.60 | 159.60 | 3800.00 | 87400.00 |
| 38 | 2028-07 | 3952.95 | 152.95 | 3800.00 | 83600.00 |
| 39 | 2028-08 | 3946.30 | 146.30 | 3800.00 | 79800.00 |
| 40 | 2028-09 | 3939.65 | 139.65 | 3800.00 | 76000.00 |
| 41 | 2028-10 | 3933.00 | 133.00 | 3800.00 | 72200.00 |
| 42 | 2028-11 | 3926.35 | 126.35 | 3800.00 | 68400.00 |
| 43 | 2028-12 | 3919.70 | 119.70 | 3800.00 | 64600.00 |
| 44 | 2029-01 | 3913.05 | 113.05 | 3800.00 | 60800.00 |
| 45 | 2029-02 | 3906.40 | 106.40 | 3800.00 | 57000.00 |
| 46 | 2029-03 | 3899.75 | 99.75 | 3800.00 | 53200.00 |
| 47 | 2029-04 | 3893.10 | 93.10 | 3800.00 | 49400.00 |
| 48 | 2029-05 | 3886.45 | 86.45 | 3800.00 | 45600.00 |
| 49 | 2029-06 | 3879.80 | 79.80 | 3800.00 | 41800.00 |
| 50 | 2029-07 | 3873.15 | 73.15 | 3800.00 | 38000.00 |
| 51 | 2029-08 | 3866.50 | 66.50 | 3800.00 | 34200.00 |
| 52 | 2029-09 | 3859.85 | 59.85 | 3800.00 | 30400.00 |
| 53 | 2029-10 | 3853.20 | 53.20 | 3800.00 | 26600.00 |
| 54 | 2029-11 | 3846.55 | 46.55 | 3800.00 | 22800.00 |
| 55 | 2029-12 | 3839.90 | 39.90 | 3800.00 | 19000.00 |
| 56 | 2030-01 | 3833.25 | 33.25 | 3800.00 | 15200.00 |
| 57 | 2030-02 | 3826.60 | 26.60 | 3800.00 | 11400.00 |
| 58 | 2030-03 | 3819.95 | 19.95 | 3800.00 | 7600.00 |
| 59 | 2030-04 | 3813.30 | 13.30 | 3800.00 | 3800.00 |
| 60 | 2030-05 | 3806.65 | 6.65 | 3800.00 | 0.00 |