贷款18万（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：18万
还款月数：5年
每月还款：3254.4元
利息总额：1.53万
本息合计：19.53万
| 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 | 3254.40 | 487.50 | 2766.90 | 177233.10 |
| 2 | 2024-05 | 3254.40 | 480.01 | 2774.39 | 174458.71 |
| 3 | 2024-06 | 3254.40 | 472.49 | 2781.91 | 171676.80 |
| 4 | 2024-07 | 3254.40 | 464.96 | 2789.44 | 168887.35 |
| 5 | 2024-08 | 3254.40 | 457.40 | 2797.00 | 166090.36 |
| 6 | 2024-09 | 3254.40 | 449.83 | 2804.57 | 163285.79 |
| 7 | 2024-10 | 3254.40 | 442.23 | 2812.17 | 160473.62 |
| 8 | 2024-11 | 3254.40 | 434.62 | 2819.78 | 157653.83 |
| 9 | 2024-12 | 3254.40 | 426.98 | 2827.42 | 154826.41 |
| 10 | 2025-01 | 3254.40 | 419.32 | 2835.08 | 151991.33 |
| 11 | 2025-02 | 3254.40 | 411.64 | 2842.76 | 149148.58 |
| 12 | 2025-03 | 3254.40 | 403.94 | 2850.46 | 146298.12 |
| 13 | 2025-04 | 3254.40 | 396.22 | 2858.18 | 143439.94 |
| 14 | 2025-05 | 3254.40 | 388.48 | 2865.92 | 140574.03 |
| 15 | 2025-06 | 3254.40 | 380.72 | 2873.68 | 137700.35 |
| 16 | 2025-07 | 3254.40 | 372.94 | 2881.46 | 134818.88 |
| 17 | 2025-08 | 3254.40 | 365.13 | 2889.27 | 131929.62 |
| 18 | 2025-09 | 3254.40 | 357.31 | 2897.09 | 129032.53 |
| 19 | 2025-10 | 3254.40 | 349.46 | 2904.94 | 126127.59 |
| 20 | 2025-11 | 3254.40 | 341.60 | 2912.80 | 123214.79 |
| 21 | 2025-12 | 3254.40 | 333.71 | 2920.69 | 120294.09 |
| 22 | 2026-01 | 3254.40 | 325.80 | 2928.60 | 117365.49 |
| 23 | 2026-02 | 3254.40 | 317.86 | 2936.54 | 114428.95 |
| 24 | 2026-03 | 3254.40 | 309.91 | 2944.49 | 111484.46 |
| 25 | 2026-04 | 3254.40 | 301.94 | 2952.46 | 108532.00 |
| 26 | 2026-05 | 3254.40 | 293.94 | 2960.46 | 105571.54 |
| 27 | 2026-06 | 3254.40 | 285.92 | 2968.48 | 102603.06 |
| 28 | 2026-07 | 3254.40 | 277.88 | 2976.52 | 99626.55 |
| 29 | 2026-08 | 3254.40 | 269.82 | 2984.58 | 96641.97 |
| 30 | 2026-09 | 3254.40 | 261.74 | 2992.66 | 93649.31 |
| 31 | 2026-10 | 3254.40 | 253.63 | 3000.77 | 90648.54 |
| 32 | 2026-11 | 3254.40 | 245.51 | 3008.89 | 87639.64 |
| 33 | 2026-12 | 3254.40 | 237.36 | 3017.04 | 84622.60 |
| 34 | 2027-01 | 3254.40 | 229.19 | 3025.21 | 81597.39 |
| 35 | 2027-02 | 3254.40 | 220.99 | 3033.41 | 78563.98 |
| 36 | 2027-03 | 3254.40 | 212.78 | 3041.62 | 75522.36 |
| 37 | 2027-04 | 3254.40 | 204.54 | 3049.86 | 72472.50 |
| 38 | 2027-05 | 3254.40 | 196.28 | 3058.12 | 69414.38 |
| 39 | 2027-06 | 3254.40 | 188.00 | 3066.40 | 66347.97 |
| 40 | 2027-07 | 3254.40 | 179.69 | 3074.71 | 63273.26 |
| 41 | 2027-08 | 3254.40 | 171.37 | 3083.04 | 60190.23 |
| 42 | 2027-09 | 3254.40 | 163.02 | 3091.39 | 57098.84 |
| 43 | 2027-10 | 3254.40 | 154.64 | 3099.76 | 53999.09 |
| 44 | 2027-11 | 3254.40 | 146.25 | 3108.15 | 50890.93 |
| 45 | 2027-12 | 3254.40 | 137.83 | 3116.57 | 47774.36 |
| 46 | 2028-01 | 3254.40 | 129.39 | 3125.01 | 44649.35 |
| 47 | 2028-02 | 3254.40 | 120.93 | 3133.48 | 41515.88 |
| 48 | 2028-03 | 3254.40 | 112.44 | 3141.96 | 38373.91 |
| 49 | 2028-04 | 3254.40 | 103.93 | 3150.47 | 35223.44 |
| 50 | 2028-05 | 3254.40 | 95.40 | 3159.00 | 32064.44 |
| 51 | 2028-06 | 3254.40 | 86.84 | 3167.56 | 28896.88 |
| 52 | 2028-07 | 3254.40 | 78.26 | 3176.14 | 25720.74 |
| 53 | 2028-08 | 3254.40 | 69.66 | 3184.74 | 22536.00 |
| 54 | 2028-09 | 3254.40 | 61.04 | 3193.37 | 19342.64 |
| 55 | 2028-10 | 3254.40 | 52.39 | 3202.01 | 16140.62 |
| 56 | 2028-11 | 3254.40 | 43.71 | 3210.69 | 12929.94 |
| 57 | 2028-12 | 3254.40 | 35.02 | 3219.38 | 9710.55 |
| 58 | 2029-01 | 3254.40 | 26.30 | 3228.10 | 6482.45 |
| 59 | 2029-02 | 3254.40 | 17.56 | 3236.84 | 3245.61 |
| 60 | 2029-03 | 3254.40 | 8.79 | 3245.61 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：5年
首月还款：3487.5元
每月递减：8.13元
利息总额：1.49万
本息合计：19.49万
节省利息：395.27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 | 3487.50 | 487.50 | 3000.00 | 177000.00 |
| 2 | 2024-05 | 3479.38 | 479.38 | 3000.00 | 174000.00 |
| 3 | 2024-06 | 3471.25 | 471.25 | 3000.00 | 171000.00 |
| 4 | 2024-07 | 3463.13 | 463.13 | 3000.00 | 168000.00 |
| 5 | 2024-08 | 3455.00 | 455.00 | 3000.00 | 165000.00 |
| 6 | 2024-09 | 3446.88 | 446.88 | 3000.00 | 162000.00 |
| 7 | 2024-10 | 3438.75 | 438.75 | 3000.00 | 159000.00 |
| 8 | 2024-11 | 3430.63 | 430.63 | 3000.00 | 156000.00 |
| 9 | 2024-12 | 3422.50 | 422.50 | 3000.00 | 153000.00 |
| 10 | 2025-01 | 3414.38 | 414.38 | 3000.00 | 150000.00 |
| 11 | 2025-02 | 3406.25 | 406.25 | 3000.00 | 147000.00 |
| 12 | 2025-03 | 3398.13 | 398.13 | 3000.00 | 144000.00 |
| 13 | 2025-04 | 3390.00 | 390.00 | 3000.00 | 141000.00 |
| 14 | 2025-05 | 3381.88 | 381.88 | 3000.00 | 138000.00 |
| 15 | 2025-06 | 3373.75 | 373.75 | 3000.00 | 135000.00 |
| 16 | 2025-07 | 3365.63 | 365.63 | 3000.00 | 132000.00 |
| 17 | 2025-08 | 3357.50 | 357.50 | 3000.00 | 129000.00 |
| 18 | 2025-09 | 3349.38 | 349.38 | 3000.00 | 126000.00 |
| 19 | 2025-10 | 3341.25 | 341.25 | 3000.00 | 123000.00 |
| 20 | 2025-11 | 3333.13 | 333.13 | 3000.00 | 120000.00 |
| 21 | 2025-12 | 3325.00 | 325.00 | 3000.00 | 117000.00 |
| 22 | 2026-01 | 3316.88 | 316.88 | 3000.00 | 114000.00 |
| 23 | 2026-02 | 3308.75 | 308.75 | 3000.00 | 111000.00 |
| 24 | 2026-03 | 3300.63 | 300.63 | 3000.00 | 108000.00 |
| 25 | 2026-04 | 3292.50 | 292.50 | 3000.00 | 105000.00 |
| 26 | 2026-05 | 3284.38 | 284.38 | 3000.00 | 102000.00 |
| 27 | 2026-06 | 3276.25 | 276.25 | 3000.00 | 99000.00 |
| 28 | 2026-07 | 3268.13 | 268.13 | 3000.00 | 96000.00 |
| 29 | 2026-08 | 3260.00 | 260.00 | 3000.00 | 93000.00 |
| 30 | 2026-09 | 3251.88 | 251.88 | 3000.00 | 90000.00 |
| 31 | 2026-10 | 3243.75 | 243.75 | 3000.00 | 87000.00 |
| 32 | 2026-11 | 3235.63 | 235.63 | 3000.00 | 84000.00 |
| 33 | 2026-12 | 3227.50 | 227.50 | 3000.00 | 81000.00 |
| 34 | 2027-01 | 3219.38 | 219.38 | 3000.00 | 78000.00 |
| 35 | 2027-02 | 3211.25 | 211.25 | 3000.00 | 75000.00 |
| 36 | 2027-03 | 3203.13 | 203.13 | 3000.00 | 72000.00 |
| 37 | 2027-04 | 3195.00 | 195.00 | 3000.00 | 69000.00 |
| 38 | 2027-05 | 3186.88 | 186.88 | 3000.00 | 66000.00 |
| 39 | 2027-06 | 3178.75 | 178.75 | 3000.00 | 63000.00 |
| 40 | 2027-07 | 3170.63 | 170.63 | 3000.00 | 60000.00 |
| 41 | 2027-08 | 3162.50 | 162.50 | 3000.00 | 57000.00 |
| 42 | 2027-09 | 3154.38 | 154.38 | 3000.00 | 54000.00 |
| 43 | 2027-10 | 3146.25 | 146.25 | 3000.00 | 51000.00 |
| 44 | 2027-11 | 3138.13 | 138.13 | 3000.00 | 48000.00 |
| 45 | 2027-12 | 3130.00 | 130.00 | 3000.00 | 45000.00 |
| 46 | 2028-01 | 3121.88 | 121.88 | 3000.00 | 42000.00 |
| 47 | 2028-02 | 3113.75 | 113.75 | 3000.00 | 39000.00 |
| 48 | 2028-03 | 3105.63 | 105.63 | 3000.00 | 36000.00 |
| 49 | 2028-04 | 3097.50 | 97.50 | 3000.00 | 33000.00 |
| 50 | 2028-05 | 3089.38 | 89.38 | 3000.00 | 30000.00 |
| 51 | 2028-06 | 3081.25 | 81.25 | 3000.00 | 27000.00 |
| 52 | 2028-07 | 3073.13 | 73.13 | 3000.00 | 24000.00 |
| 53 | 2028-08 | 3065.00 | 65.00 | 3000.00 | 21000.00 |
| 54 | 2028-09 | 3056.88 | 56.88 | 3000.00 | 18000.00 |
| 55 | 2028-10 | 3048.75 | 48.75 | 3000.00 | 15000.00 |
| 56 | 2028-11 | 3040.63 | 40.63 | 3000.00 | 12000.00 |
| 57 | 2028-12 | 3032.50 | 32.50 | 3000.00 | 9000.00 |
| 58 | 2029-01 | 3024.38 | 24.38 | 3000.00 | 6000.00 |
| 59 | 2029-02 | 3016.25 | 16.25 | 3000.00 | 3000.00 |
| 60 | 2029-03 | 3008.13 | 8.13 | 3000.00 | 0.00 |