贷款31.5万（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：31.5万
还款月数：5年
每月还款：5618.24元
利息总额：2.21万
本息合计：33.71万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 5618.24 | 708.75 | 4909.49 | 310090.51 |
| 2 | 2024-05 | 5618.24 | 697.70 | 4920.54 | 305169.97 |
| 3 | 2024-06 | 5618.24 | 686.63 | 4931.61 | 300238.36 |
| 4 | 2024-07 | 5618.24 | 675.54 | 4942.70 | 295295.66 |
| 5 | 2024-08 | 5618.24 | 664.42 | 4953.83 | 290341.83 |
| 6 | 2024-09 | 5618.24 | 653.27 | 4964.97 | 285376.86 |
| 7 | 2024-10 | 5618.24 | 642.10 | 4976.14 | 280400.72 |
| 8 | 2024-11 | 5618.24 | 630.90 | 4987.34 | 275413.38 |
| 9 | 2024-12 | 5618.24 | 619.68 | 4998.56 | 270414.82 |
| 10 | 2025-01 | 5618.24 | 608.43 | 5009.81 | 265405.01 |
| 11 | 2025-02 | 5618.24 | 597.16 | 5021.08 | 260383.93 |
| 12 | 2025-03 | 5618.24 | 585.86 | 5032.38 | 255351.55 |
| 13 | 2025-04 | 5618.24 | 574.54 | 5043.70 | 250307.85 |
| 14 | 2025-05 | 5618.24 | 563.19 | 5055.05 | 245252.80 |
| 15 | 2025-06 | 5618.24 | 551.82 | 5066.42 | 240186.38 |
| 16 | 2025-07 | 5618.24 | 540.42 | 5077.82 | 235108.56 |
| 17 | 2025-08 | 5618.24 | 528.99 | 5089.25 | 230019.31 |
| 18 | 2025-09 | 5618.24 | 517.54 | 5100.70 | 224918.61 |
| 19 | 2025-10 | 5618.24 | 506.07 | 5112.17 | 219806.44 |
| 20 | 2025-11 | 5618.24 | 494.56 | 5123.68 | 214682.76 |
| 21 | 2025-12 | 5618.24 | 483.04 | 5135.20 | 209547.56 |
| 22 | 2026-01 | 5618.24 | 471.48 | 5146.76 | 204400.80 |
| 23 | 2026-02 | 5618.24 | 459.90 | 5158.34 | 199242.46 |
| 24 | 2026-03 | 5618.24 | 448.30 | 5169.95 | 194072.51 |
| 25 | 2026-04 | 5618.24 | 436.66 | 5181.58 | 188890.94 |
| 26 | 2026-05 | 5618.24 | 425.00 | 5193.24 | 183697.70 |
| 27 | 2026-06 | 5618.24 | 413.32 | 5204.92 | 178492.78 |
| 28 | 2026-07 | 5618.24 | 401.61 | 5216.63 | 173276.15 |
| 29 | 2026-08 | 5618.24 | 389.87 | 5228.37 | 168047.78 |
| 30 | 2026-09 | 5618.24 | 378.11 | 5240.13 | 162807.64 |
| 31 | 2026-10 | 5618.24 | 366.32 | 5251.92 | 157555.72 |
| 32 | 2026-11 | 5618.24 | 354.50 | 5263.74 | 152291.98 |
| 33 | 2026-12 | 5618.24 | 342.66 | 5275.58 | 147016.39 |
| 34 | 2027-01 | 5618.24 | 330.79 | 5287.45 | 141728.94 |
| 35 | 2027-02 | 5618.24 | 318.89 | 5299.35 | 136429.59 |
| 36 | 2027-03 | 5618.24 | 306.97 | 5311.27 | 131118.31 |
| 37 | 2027-04 | 5618.24 | 295.02 | 5323.22 | 125795.09 |
| 38 | 2027-05 | 5618.24 | 283.04 | 5335.20 | 120459.89 |
| 39 | 2027-06 | 5618.24 | 271.03 | 5347.21 | 115112.68 |
| 40 | 2027-07 | 5618.24 | 259.00 | 5359.24 | 109753.44 |
| 41 | 2027-08 | 5618.24 | 246.95 | 5371.30 | 104382.15 |
| 42 | 2027-09 | 5618.24 | 234.86 | 5383.38 | 98998.77 |
| 43 | 2027-10 | 5618.24 | 222.75 | 5395.49 | 93603.27 |
| 44 | 2027-11 | 5618.24 | 210.61 | 5407.63 | 88195.64 |
| 45 | 2027-12 | 5618.24 | 198.44 | 5419.80 | 82775.84 |
| 46 | 2028-01 | 5618.24 | 186.25 | 5432.00 | 77343.84 |
| 47 | 2028-02 | 5618.24 | 174.02 | 5444.22 | 71899.63 |
| 48 | 2028-03 | 5618.24 | 161.77 | 5456.47 | 66443.16 |
| 49 | 2028-04 | 5618.24 | 149.50 | 5468.74 | 60974.41 |
| 50 | 2028-05 | 5618.24 | 137.19 | 5481.05 | 55493.37 |
| 51 | 2028-06 | 5618.24 | 124.86 | 5493.38 | 49999.98 |
| 52 | 2028-07 | 5618.24 | 112.50 | 5505.74 | 44494.24 |
| 53 | 2028-08 | 5618.24 | 100.11 | 5518.13 | 38976.11 |
| 54 | 2028-09 | 5618.24 | 87.70 | 5530.54 | 33445.57 |
| 55 | 2028-10 | 5618.24 | 75.25 | 5542.99 | 27902.58 |
| 56 | 2028-11 | 5618.24 | 62.78 | 5555.46 | 22347.12 |
| 57 | 2028-12 | 5618.24 | 50.28 | 5567.96 | 16779.16 |
| 58 | 2029-01 | 5618.24 | 37.75 | 5580.49 | 11198.67 |
| 59 | 2029-02 | 5618.24 | 25.20 | 5593.04 | 5605.63 |
| 60 | 2029-03 | 5618.24 | 12.61 | 5605.63 | 0.00 |
等额本金还款方式：
贷款总额：31.5万
还款月数：5年
首月还款：5958.75元
每月递减：11.81元
利息总额：2.16万
本息合计：33.66万
节省利息：477.59元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 5958.75 | 708.75 | 5250.00 | 309750.00 |
| 2 | 2024-05 | 5946.94 | 696.94 | 5250.00 | 304500.00 |
| 3 | 2024-06 | 5935.13 | 685.13 | 5250.00 | 299250.00 |
| 4 | 2024-07 | 5923.31 | 673.31 | 5250.00 | 294000.00 |
| 5 | 2024-08 | 5911.50 | 661.50 | 5250.00 | 288750.00 |
| 6 | 2024-09 | 5899.69 | 649.69 | 5250.00 | 283500.00 |
| 7 | 2024-10 | 5887.88 | 637.88 | 5250.00 | 278250.00 |
| 8 | 2024-11 | 5876.06 | 626.06 | 5250.00 | 273000.00 |
| 9 | 2024-12 | 5864.25 | 614.25 | 5250.00 | 267750.00 |
| 10 | 2025-01 | 5852.44 | 602.44 | 5250.00 | 262500.00 |
| 11 | 2025-02 | 5840.63 | 590.63 | 5250.00 | 257250.00 |
| 12 | 2025-03 | 5828.81 | 578.81 | 5250.00 | 252000.00 |
| 13 | 2025-04 | 5817.00 | 567.00 | 5250.00 | 246750.00 |
| 14 | 2025-05 | 5805.19 | 555.19 | 5250.00 | 241500.00 |
| 15 | 2025-06 | 5793.38 | 543.38 | 5250.00 | 236250.00 |
| 16 | 2025-07 | 5781.56 | 531.56 | 5250.00 | 231000.00 |
| 17 | 2025-08 | 5769.75 | 519.75 | 5250.00 | 225750.00 |
| 18 | 2025-09 | 5757.94 | 507.94 | 5250.00 | 220500.00 |
| 19 | 2025-10 | 5746.13 | 496.13 | 5250.00 | 215250.00 |
| 20 | 2025-11 | 5734.31 | 484.31 | 5250.00 | 210000.00 |
| 21 | 2025-12 | 5722.50 | 472.50 | 5250.00 | 204750.00 |
| 22 | 2026-01 | 5710.69 | 460.69 | 5250.00 | 199500.00 |
| 23 | 2026-02 | 5698.88 | 448.88 | 5250.00 | 194250.00 |
| 24 | 2026-03 | 5687.06 | 437.06 | 5250.00 | 189000.00 |
| 25 | 2026-04 | 5675.25 | 425.25 | 5250.00 | 183750.00 |
| 26 | 2026-05 | 5663.44 | 413.44 | 5250.00 | 178500.00 |
| 27 | 2026-06 | 5651.63 | 401.63 | 5250.00 | 173250.00 |
| 28 | 2026-07 | 5639.81 | 389.81 | 5250.00 | 168000.00 |
| 29 | 2026-08 | 5628.00 | 378.00 | 5250.00 | 162750.00 |
| 30 | 2026-09 | 5616.19 | 366.19 | 5250.00 | 157500.00 |
| 31 | 2026-10 | 5604.38 | 354.38 | 5250.00 | 152250.00 |
| 32 | 2026-11 | 5592.56 | 342.56 | 5250.00 | 147000.00 |
| 33 | 2026-12 | 5580.75 | 330.75 | 5250.00 | 141750.00 |
| 34 | 2027-01 | 5568.94 | 318.94 | 5250.00 | 136500.00 |
| 35 | 2027-02 | 5557.13 | 307.13 | 5250.00 | 131250.00 |
| 36 | 2027-03 | 5545.31 | 295.31 | 5250.00 | 126000.00 |
| 37 | 2027-04 | 5533.50 | 283.50 | 5250.00 | 120750.00 |
| 38 | 2027-05 | 5521.69 | 271.69 | 5250.00 | 115500.00 |
| 39 | 2027-06 | 5509.88 | 259.88 | 5250.00 | 110250.00 |
| 40 | 2027-07 | 5498.06 | 248.06 | 5250.00 | 105000.00 |
| 41 | 2027-08 | 5486.25 | 236.25 | 5250.00 | 99750.00 |
| 42 | 2027-09 | 5474.44 | 224.44 | 5250.00 | 94500.00 |
| 43 | 2027-10 | 5462.63 | 212.63 | 5250.00 | 89250.00 |
| 44 | 2027-11 | 5450.81 | 200.81 | 5250.00 | 84000.00 |
| 45 | 2027-12 | 5439.00 | 189.00 | 5250.00 | 78750.00 |
| 46 | 2028-01 | 5427.19 | 177.19 | 5250.00 | 73500.00 |
| 47 | 2028-02 | 5415.38 | 165.38 | 5250.00 | 68250.00 |
| 48 | 2028-03 | 5403.56 | 153.56 | 5250.00 | 63000.00 |
| 49 | 2028-04 | 5391.75 | 141.75 | 5250.00 | 57750.00 |
| 50 | 2028-05 | 5379.94 | 129.94 | 5250.00 | 52500.00 |
| 51 | 2028-06 | 5368.13 | 118.13 | 5250.00 | 47250.00 |
| 52 | 2028-07 | 5356.31 | 106.31 | 5250.00 | 42000.00 |
| 53 | 2028-08 | 5344.50 | 94.50 | 5250.00 | 36750.00 |
| 54 | 2028-09 | 5332.69 | 82.69 | 5250.00 | 31500.00 |
| 55 | 2028-10 | 5320.88 | 70.88 | 5250.00 | 26250.00 |
| 56 | 2028-11 | 5309.06 | 59.06 | 5250.00 | 21000.00 |
| 57 | 2028-12 | 5297.25 | 47.25 | 5250.00 | 15750.00 |
| 58 | 2029-01 | 5285.44 | 35.44 | 5250.00 | 10500.00 |
| 59 | 2029-02 | 5273.63 | 23.63 | 5250.00 | 5250.00 |
| 60 | 2029-03 | 5261.81 | 11.81 | 5250.00 | 0.00 |