山东贷款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：3222.38元
利息总额：1.33万
本息合计：19.33万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 3222.38 | 427.50 | 2794.88 | 177205.12 |
| 2 | 2024-10 | 3222.38 | 420.86 | 2801.52 | 174403.60 |
| 3 | 2024-11 | 3222.38 | 414.21 | 2808.17 | 171595.43 |
| 4 | 2024-12 | 3222.38 | 407.54 | 2814.84 | 168780.59 |
| 5 | 2025-01 | 3222.38 | 400.85 | 2821.53 | 165959.06 |
| 6 | 2025-02 | 3222.38 | 394.15 | 2828.23 | 163130.84 |
| 7 | 2025-03 | 3222.38 | 387.44 | 2834.94 | 160295.89 |
| 8 | 2025-04 | 3222.38 | 380.70 | 2841.68 | 157454.22 |
| 9 | 2025-05 | 3222.38 | 373.95 | 2848.43 | 154605.79 |
| 10 | 2025-06 | 3222.38 | 367.19 | 2855.19 | 151750.60 |
| 11 | 2025-07 | 3222.38 | 360.41 | 2861.97 | 148888.63 |
| 12 | 2025-08 | 3222.38 | 353.61 | 2868.77 | 146019.86 |
| 13 | 2025-09 | 3222.38 | 346.80 | 2875.58 | 143144.27 |
| 14 | 2025-10 | 3222.38 | 339.97 | 2882.41 | 140261.86 |
| 15 | 2025-11 | 3222.38 | 333.12 | 2889.26 | 137372.60 |
| 16 | 2025-12 | 3222.38 | 326.26 | 2896.12 | 134476.48 |
| 17 | 2026-01 | 3222.38 | 319.38 | 2903.00 | 131573.49 |
| 18 | 2026-02 | 3222.38 | 312.49 | 2909.89 | 128663.59 |
| 19 | 2026-03 | 3222.38 | 305.58 | 2916.80 | 125746.79 |
| 20 | 2026-04 | 3222.38 | 298.65 | 2923.73 | 122823.06 |
| 21 | 2026-05 | 3222.38 | 291.70 | 2930.68 | 119892.38 |
| 22 | 2026-06 | 3222.38 | 284.74 | 2937.64 | 116954.75 |
| 23 | 2026-07 | 3222.38 | 277.77 | 2944.61 | 114010.13 |
| 24 | 2026-08 | 3222.38 | 270.77 | 2951.61 | 111058.53 |
| 25 | 2026-09 | 3222.38 | 263.76 | 2958.62 | 108099.91 |
| 26 | 2026-10 | 3222.38 | 256.74 | 2965.64 | 105134.27 |
| 27 | 2026-11 | 3222.38 | 249.69 | 2972.69 | 102161.58 |
| 28 | 2026-12 | 3222.38 | 242.63 | 2979.75 | 99181.84 |
| 29 | 2027-01 | 3222.38 | 235.56 | 2986.82 | 96195.01 |
| 30 | 2027-02 | 3222.38 | 228.46 | 2993.92 | 93201.10 |
| 31 | 2027-03 | 3222.38 | 221.35 | 3001.03 | 90200.07 |
| 32 | 2027-04 | 3222.38 | 214.23 | 3008.15 | 87191.92 |
| 33 | 2027-05 | 3222.38 | 207.08 | 3015.30 | 84176.62 |
| 34 | 2027-06 | 3222.38 | 199.92 | 3022.46 | 81154.16 |
| 35 | 2027-07 | 3222.38 | 192.74 | 3029.64 | 78124.52 |
| 36 | 2027-08 | 3222.38 | 185.55 | 3036.83 | 75087.68 |
| 37 | 2027-09 | 3222.38 | 178.33 | 3044.05 | 72043.64 |
| 38 | 2027-10 | 3222.38 | 171.10 | 3051.28 | 68992.36 |
| 39 | 2027-11 | 3222.38 | 163.86 | 3058.52 | 65933.84 |
| 40 | 2027-12 | 3222.38 | 156.59 | 3065.79 | 62868.05 |
| 41 | 2028-01 | 3222.38 | 149.31 | 3073.07 | 59794.98 |
| 42 | 2028-02 | 3222.38 | 142.01 | 3080.37 | 56714.61 |
| 43 | 2028-03 | 3222.38 | 134.70 | 3087.68 | 53626.93 |
| 44 | 2028-04 | 3222.38 | 127.36 | 3095.02 | 50531.92 |
| 45 | 2028-05 | 3222.38 | 120.01 | 3102.37 | 47429.55 |
| 46 | 2028-06 | 3222.38 | 112.65 | 3109.73 | 44319.81 |
| 47 | 2028-07 | 3222.38 | 105.26 | 3117.12 | 41202.69 |
| 48 | 2028-08 | 3222.38 | 97.86 | 3124.52 | 38078.17 |
| 49 | 2028-09 | 3222.38 | 90.44 | 3131.94 | 34946.23 |
| 50 | 2028-10 | 3222.38 | 83.00 | 3139.38 | 31806.84 |
| 51 | 2028-11 | 3222.38 | 75.54 | 3146.84 | 28660.01 |
| 52 | 2028-12 | 3222.38 | 68.07 | 3154.31 | 25505.69 |
| 53 | 2029-01 | 3222.38 | 60.58 | 3161.80 | 22343.89 |
| 54 | 2029-02 | 3222.38 | 53.07 | 3169.31 | 19174.58 |
| 55 | 2029-03 | 3222.38 | 45.54 | 3176.84 | 15997.74 |
| 56 | 2029-04 | 3222.38 | 37.99 | 3184.39 | 12813.35 |
| 57 | 2029-05 | 3222.38 | 30.43 | 3191.95 | 9621.40 |
| 58 | 2029-06 | 3222.38 | 22.85 | 3199.53 | 6421.87 |
| 59 | 2029-07 | 3222.38 | 15.25 | 3207.13 | 3214.74 |
| 60 | 2029-08 | 3222.38 | 7.64 | 3214.74 | 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：3427.5元
每月递减：7.13元
利息总额：1.3万
本息合计：19.3万
节省利息：304.05元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 3427.50 | 427.50 | 3000.00 | 177000.00 |
| 2 | 2024-10 | 3420.38 | 420.38 | 3000.00 | 174000.00 |
| 3 | 2024-11 | 3413.25 | 413.25 | 3000.00 | 171000.00 |
| 4 | 2024-12 | 3406.13 | 406.13 | 3000.00 | 168000.00 |
| 5 | 2025-01 | 3399.00 | 399.00 | 3000.00 | 165000.00 |
| 6 | 2025-02 | 3391.88 | 391.88 | 3000.00 | 162000.00 |
| 7 | 2025-03 | 3384.75 | 384.75 | 3000.00 | 159000.00 |
| 8 | 2025-04 | 3377.63 | 377.63 | 3000.00 | 156000.00 |
| 9 | 2025-05 | 3370.50 | 370.50 | 3000.00 | 153000.00 |
| 10 | 2025-06 | 3363.38 | 363.38 | 3000.00 | 150000.00 |
| 11 | 2025-07 | 3356.25 | 356.25 | 3000.00 | 147000.00 |
| 12 | 2025-08 | 3349.13 | 349.13 | 3000.00 | 144000.00 |
| 13 | 2025-09 | 3342.00 | 342.00 | 3000.00 | 141000.00 |
| 14 | 2025-10 | 3334.88 | 334.88 | 3000.00 | 138000.00 |
| 15 | 2025-11 | 3327.75 | 327.75 | 3000.00 | 135000.00 |
| 16 | 2025-12 | 3320.63 | 320.63 | 3000.00 | 132000.00 |
| 17 | 2026-01 | 3313.50 | 313.50 | 3000.00 | 129000.00 |
| 18 | 2026-02 | 3306.38 | 306.38 | 3000.00 | 126000.00 |
| 19 | 2026-03 | 3299.25 | 299.25 | 3000.00 | 123000.00 |
| 20 | 2026-04 | 3292.13 | 292.13 | 3000.00 | 120000.00 |
| 21 | 2026-05 | 3285.00 | 285.00 | 3000.00 | 117000.00 |
| 22 | 2026-06 | 3277.88 | 277.88 | 3000.00 | 114000.00 |
| 23 | 2026-07 | 3270.75 | 270.75 | 3000.00 | 111000.00 |
| 24 | 2026-08 | 3263.63 | 263.63 | 3000.00 | 108000.00 |
| 25 | 2026-09 | 3256.50 | 256.50 | 3000.00 | 105000.00 |
| 26 | 2026-10 | 3249.38 | 249.38 | 3000.00 | 102000.00 |
| 27 | 2026-11 | 3242.25 | 242.25 | 3000.00 | 99000.00 |
| 28 | 2026-12 | 3235.13 | 235.13 | 3000.00 | 96000.00 |
| 29 | 2027-01 | 3228.00 | 228.00 | 3000.00 | 93000.00 |
| 30 | 2027-02 | 3220.88 | 220.88 | 3000.00 | 90000.00 |
| 31 | 2027-03 | 3213.75 | 213.75 | 3000.00 | 87000.00 |
| 32 | 2027-04 | 3206.63 | 206.63 | 3000.00 | 84000.00 |
| 33 | 2027-05 | 3199.50 | 199.50 | 3000.00 | 81000.00 |
| 34 | 2027-06 | 3192.38 | 192.38 | 3000.00 | 78000.00 |
| 35 | 2027-07 | 3185.25 | 185.25 | 3000.00 | 75000.00 |
| 36 | 2027-08 | 3178.13 | 178.13 | 3000.00 | 72000.00 |
| 37 | 2027-09 | 3171.00 | 171.00 | 3000.00 | 69000.00 |
| 38 | 2027-10 | 3163.88 | 163.88 | 3000.00 | 66000.00 |
| 39 | 2027-11 | 3156.75 | 156.75 | 3000.00 | 63000.00 |
| 40 | 2027-12 | 3149.63 | 149.63 | 3000.00 | 60000.00 |
| 41 | 2028-01 | 3142.50 | 142.50 | 3000.00 | 57000.00 |
| 42 | 2028-02 | 3135.38 | 135.38 | 3000.00 | 54000.00 |
| 43 | 2028-03 | 3128.25 | 128.25 | 3000.00 | 51000.00 |
| 44 | 2028-04 | 3121.13 | 121.13 | 3000.00 | 48000.00 |
| 45 | 2028-05 | 3114.00 | 114.00 | 3000.00 | 45000.00 |
| 46 | 2028-06 | 3106.88 | 106.88 | 3000.00 | 42000.00 |
| 47 | 2028-07 | 3099.75 | 99.75 | 3000.00 | 39000.00 |
| 48 | 2028-08 | 3092.63 | 92.63 | 3000.00 | 36000.00 |
| 49 | 2028-09 | 3085.50 | 85.50 | 3000.00 | 33000.00 |
| 50 | 2028-10 | 3078.38 | 78.38 | 3000.00 | 30000.00 |
| 51 | 2028-11 | 3071.25 | 71.25 | 3000.00 | 27000.00 |
| 52 | 2028-12 | 3064.13 | 64.13 | 3000.00 | 24000.00 |
| 53 | 2029-01 | 3057.00 | 57.00 | 3000.00 | 21000.00 |
| 54 | 2029-02 | 3049.88 | 49.88 | 3000.00 | 18000.00 |
| 55 | 2029-03 | 3042.75 | 42.75 | 3000.00 | 15000.00 |
| 56 | 2029-04 | 3035.63 | 35.63 | 3000.00 | 12000.00 |
| 57 | 2029-05 | 3028.50 | 28.50 | 3000.00 | 9000.00 |
| 58 | 2029-06 | 3021.38 | 21.38 | 3000.00 | 6000.00 |
| 59 | 2029-07 | 3014.25 | 14.25 | 3000.00 | 3000.00 |
| 60 | 2029-08 | 3007.13 | 7.13 | 3000.00 | 0.00 |