贷款31万（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：31万
还款月数：5年
每月还款：5549.65元
利息总额：2.3万
本息合计：33.3万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 5549.65 | 736.25 | 4813.40 | 305186.60 |
| 2 | 2024-06 | 5549.65 | 724.82 | 4824.84 | 300361.76 |
| 3 | 2024-07 | 5549.65 | 713.36 | 4836.30 | 295525.46 |
| 4 | 2024-08 | 5549.65 | 701.87 | 4847.78 | 290677.68 |
| 5 | 2024-09 | 5549.65 | 690.36 | 4859.29 | 285818.39 |
| 6 | 2024-10 | 5549.65 | 678.82 | 4870.84 | 280947.55 |
| 7 | 2024-11 | 5549.65 | 667.25 | 4882.40 | 276065.15 |
| 8 | 2024-12 | 5549.65 | 655.65 | 4894.00 | 271171.15 |
| 9 | 2025-01 | 5549.65 | 644.03 | 4905.62 | 266265.53 |
| 10 | 2025-02 | 5549.65 | 632.38 | 4917.27 | 261348.25 |
| 11 | 2025-03 | 5549.65 | 620.70 | 4928.95 | 256419.30 |
| 12 | 2025-04 | 5549.65 | 609.00 | 4940.66 | 251478.64 |
| 13 | 2025-05 | 5549.65 | 597.26 | 4952.39 | 246526.25 |
| 14 | 2025-06 | 5549.65 | 585.50 | 4964.15 | 241562.09 |
| 15 | 2025-07 | 5549.65 | 573.71 | 4975.94 | 236586.15 |
| 16 | 2025-08 | 5549.65 | 561.89 | 4987.76 | 231598.39 |
| 17 | 2025-09 | 5549.65 | 550.05 | 4999.61 | 226598.78 |
| 18 | 2025-10 | 5549.65 | 538.17 | 5011.48 | 221587.30 |
| 19 | 2025-11 | 5549.65 | 526.27 | 5023.38 | 216563.91 |
| 20 | 2025-12 | 5549.65 | 514.34 | 5035.32 | 211528.60 |
| 21 | 2026-01 | 5549.65 | 502.38 | 5047.27 | 206481.32 |
| 22 | 2026-02 | 5549.65 | 490.39 | 5059.26 | 201422.06 |
| 23 | 2026-03 | 5549.65 | 478.38 | 5071.28 | 196350.79 |
| 24 | 2026-04 | 5549.65 | 466.33 | 5083.32 | 191267.47 |
| 25 | 2026-05 | 5549.65 | 454.26 | 5095.39 | 186172.07 |
| 26 | 2026-06 | 5549.65 | 442.16 | 5107.50 | 181064.58 |
| 27 | 2026-07 | 5549.65 | 430.03 | 5119.63 | 175944.95 |
| 28 | 2026-08 | 5549.65 | 417.87 | 5131.79 | 170813.16 |
| 29 | 2026-09 | 5549.65 | 405.68 | 5143.97 | 165669.19 |
| 30 | 2026-10 | 5549.65 | 393.46 | 5156.19 | 160513.00 |
| 31 | 2026-11 | 5549.65 | 381.22 | 5168.44 | 155344.57 |
| 32 | 2026-12 | 5549.65 | 368.94 | 5180.71 | 150163.85 |
| 33 | 2027-01 | 5549.65 | 356.64 | 5193.02 | 144970.84 |
| 34 | 2027-02 | 5549.65 | 344.31 | 5205.35 | 139765.49 |
| 35 | 2027-03 | 5549.65 | 331.94 | 5217.71 | 134547.78 |
| 36 | 2027-04 | 5549.65 | 319.55 | 5230.10 | 129317.68 |
| 37 | 2027-05 | 5549.65 | 307.13 | 5242.52 | 124075.15 |
| 38 | 2027-06 | 5549.65 | 294.68 | 5254.98 | 118820.18 |
| 39 | 2027-07 | 5549.65 | 282.20 | 5267.46 | 113552.72 |
| 40 | 2027-08 | 5549.65 | 269.69 | 5279.97 | 108272.75 |
| 41 | 2027-09 | 5549.65 | 257.15 | 5292.51 | 102980.25 |
| 42 | 2027-10 | 5549.65 | 244.58 | 5305.08 | 97675.17 |
| 43 | 2027-11 | 5549.65 | 231.98 | 5317.68 | 92357.49 |
| 44 | 2027-12 | 5549.65 | 219.35 | 5330.31 | 87027.19 |
| 45 | 2028-01 | 5549.65 | 206.69 | 5342.96 | 81684.22 |
| 46 | 2028-02 | 5549.65 | 194.00 | 5355.65 | 76328.57 |
| 47 | 2028-03 | 5549.65 | 181.28 | 5368.37 | 70960.20 |
| 48 | 2028-04 | 5549.65 | 168.53 | 5381.12 | 65579.07 |
| 49 | 2028-05 | 5549.65 | 155.75 | 5393.90 | 60185.17 |
| 50 | 2028-06 | 5549.65 | 142.94 | 5406.71 | 54778.45 |
| 51 | 2028-07 | 5549.65 | 130.10 | 5419.56 | 49358.90 |
| 52 | 2028-08 | 5549.65 | 117.23 | 5432.43 | 43926.47 |
| 53 | 2028-09 | 5549.65 | 104.33 | 5445.33 | 38481.14 |
| 54 | 2028-10 | 5549.65 | 91.39 | 5458.26 | 33022.88 |
| 55 | 2028-11 | 5549.65 | 78.43 | 5471.22 | 27551.66 |
| 56 | 2028-12 | 5549.65 | 65.44 | 5484.22 | 22067.44 |
| 57 | 2029-01 | 5549.65 | 52.41 | 5497.24 | 16570.19 |
| 58 | 2029-02 | 5549.65 | 39.35 | 5510.30 | 11059.89 |
| 59 | 2029-03 | 5549.65 | 26.27 | 5523.39 | 5536.51 |
| 60 | 2029-04 | 5549.65 | 13.15 | 5536.51 | 0.00 |
等额本金还款方式：
贷款总额：31万
还款月数：5年
首月还款：5902.92元
每月递减：12.27元
利息总额：2.25万
本息合计：33.25万
节省利息：523.63元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 5902.92 | 736.25 | 5166.67 | 304833.33 |
| 2 | 2024-06 | 5890.65 | 723.98 | 5166.67 | 299666.67 |
| 3 | 2024-07 | 5878.38 | 711.71 | 5166.67 | 294500.00 |
| 4 | 2024-08 | 5866.10 | 699.44 | 5166.67 | 289333.33 |
| 5 | 2024-09 | 5853.83 | 687.17 | 5166.67 | 284166.67 |
| 6 | 2024-10 | 5841.56 | 674.90 | 5166.67 | 279000.00 |
| 7 | 2024-11 | 5829.29 | 662.63 | 5166.67 | 273833.33 |
| 8 | 2024-12 | 5817.02 | 650.35 | 5166.67 | 268666.67 |
| 9 | 2025-01 | 5804.75 | 638.08 | 5166.67 | 263500.00 |
| 10 | 2025-02 | 5792.48 | 625.81 | 5166.67 | 258333.33 |
| 11 | 2025-03 | 5780.21 | 613.54 | 5166.67 | 253166.67 |
| 12 | 2025-04 | 5767.94 | 601.27 | 5166.67 | 248000.00 |
| 13 | 2025-05 | 5755.67 | 589.00 | 5166.67 | 242833.33 |
| 14 | 2025-06 | 5743.40 | 576.73 | 5166.67 | 237666.67 |
| 15 | 2025-07 | 5731.13 | 564.46 | 5166.67 | 232500.00 |
| 16 | 2025-08 | 5718.85 | 552.19 | 5166.67 | 227333.33 |
| 17 | 2025-09 | 5706.58 | 539.92 | 5166.67 | 222166.67 |
| 18 | 2025-10 | 5694.31 | 527.65 | 5166.67 | 217000.00 |
| 19 | 2025-11 | 5682.04 | 515.38 | 5166.67 | 211833.33 |
| 20 | 2025-12 | 5669.77 | 503.10 | 5166.67 | 206666.67 |
| 21 | 2026-01 | 5657.50 | 490.83 | 5166.67 | 201500.00 |
| 22 | 2026-02 | 5645.23 | 478.56 | 5166.67 | 196333.33 |
| 23 | 2026-03 | 5632.96 | 466.29 | 5166.67 | 191166.67 |
| 24 | 2026-04 | 5620.69 | 454.02 | 5166.67 | 186000.00 |
| 25 | 2026-05 | 5608.42 | 441.75 | 5166.67 | 180833.33 |
| 26 | 2026-06 | 5596.15 | 429.48 | 5166.67 | 175666.67 |
| 27 | 2026-07 | 5583.88 | 417.21 | 5166.67 | 170500.00 |
| 28 | 2026-08 | 5571.60 | 404.94 | 5166.67 | 165333.33 |
| 29 | 2026-09 | 5559.33 | 392.67 | 5166.67 | 160166.67 |
| 30 | 2026-10 | 5547.06 | 380.40 | 5166.67 | 155000.00 |
| 31 | 2026-11 | 5534.79 | 368.13 | 5166.67 | 149833.33 |
| 32 | 2026-12 | 5522.52 | 355.85 | 5166.67 | 144666.67 |
| 33 | 2027-01 | 5510.25 | 343.58 | 5166.67 | 139500.00 |
| 34 | 2027-02 | 5497.98 | 331.31 | 5166.67 | 134333.33 |
| 35 | 2027-03 | 5485.71 | 319.04 | 5166.67 | 129166.67 |
| 36 | 2027-04 | 5473.44 | 306.77 | 5166.67 | 124000.00 |
| 37 | 2027-05 | 5461.17 | 294.50 | 5166.67 | 118833.33 |
| 38 | 2027-06 | 5448.90 | 282.23 | 5166.67 | 113666.67 |
| 39 | 2027-07 | 5436.63 | 269.96 | 5166.67 | 108500.00 |
| 40 | 2027-08 | 5424.35 | 257.69 | 5166.67 | 103333.33 |
| 41 | 2027-09 | 5412.08 | 245.42 | 5166.67 | 98166.67 |
| 42 | 2027-10 | 5399.81 | 233.15 | 5166.67 | 93000.00 |
| 43 | 2027-11 | 5387.54 | 220.88 | 5166.67 | 87833.33 |
| 44 | 2027-12 | 5375.27 | 208.60 | 5166.67 | 82666.67 |
| 45 | 2028-01 | 5363.00 | 196.33 | 5166.67 | 77500.00 |
| 46 | 2028-02 | 5350.73 | 184.06 | 5166.67 | 72333.33 |
| 47 | 2028-03 | 5338.46 | 171.79 | 5166.67 | 67166.67 |
| 48 | 2028-04 | 5326.19 | 159.52 | 5166.67 | 62000.00 |
| 49 | 2028-05 | 5313.92 | 147.25 | 5166.67 | 56833.33 |
| 50 | 2028-06 | 5301.65 | 134.98 | 5166.67 | 51666.67 |
| 51 | 2028-07 | 5289.38 | 122.71 | 5166.67 | 46500.00 |
| 52 | 2028-08 | 5277.10 | 110.44 | 5166.67 | 41333.33 |
| 53 | 2028-09 | 5264.83 | 98.17 | 5166.67 | 36166.67 |
| 54 | 2028-10 | 5252.56 | 85.90 | 5166.67 | 31000.00 |
| 55 | 2028-11 | 5240.29 | 73.63 | 5166.67 | 25833.33 |
| 56 | 2028-12 | 5228.02 | 61.35 | 5166.67 | 20666.67 |
| 57 | 2029-01 | 5215.75 | 49.08 | 5166.67 | 15500.00 |
| 58 | 2029-02 | 5203.48 | 36.81 | 5166.67 | 10333.33 |
| 59 | 2029-03 | 5191.21 | 24.54 | 5166.67 | 5166.67 |
| 60 | 2029-04 | 5178.94 | 12.27 | 5166.67 | 0.00 |