济南贷款35万（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：35万
还款月数：5年
每月还款：6188.45元
利息总额：2.13万
本息合计：37.13万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 6188.45 | 685.42 | 5503.04 | 344496.96 |
| 2 | 2025-03 | 6188.45 | 674.64 | 5513.81 | 338983.15 |
| 3 | 2025-04 | 6188.45 | 663.84 | 5524.61 | 333458.53 |
| 4 | 2025-05 | 6188.45 | 653.02 | 5535.43 | 327923.10 |
| 5 | 2025-06 | 6188.45 | 642.18 | 5546.27 | 322376.83 |
| 6 | 2025-07 | 6188.45 | 631.32 | 5557.13 | 316819.70 |
| 7 | 2025-08 | 6188.45 | 620.44 | 5568.02 | 311251.68 |
| 8 | 2025-09 | 6188.45 | 609.53 | 5578.92 | 305672.76 |
| 9 | 2025-10 | 6188.45 | 598.61 | 5589.85 | 300082.91 |
| 10 | 2025-11 | 6188.45 | 587.66 | 5600.79 | 294482.12 |
| 11 | 2025-12 | 6188.45 | 576.69 | 5611.76 | 288870.36 |
| 12 | 2026-01 | 6188.45 | 565.70 | 5622.75 | 283247.61 |
| 13 | 2026-02 | 6188.45 | 554.69 | 5633.76 | 277613.85 |
| 14 | 2026-03 | 6188.45 | 543.66 | 5644.79 | 271969.05 |
| 15 | 2026-04 | 6188.45 | 532.61 | 5655.85 | 266313.21 |
| 16 | 2026-05 | 6188.45 | 521.53 | 5666.92 | 260646.28 |
| 17 | 2026-06 | 6188.45 | 510.43 | 5678.02 | 254968.26 |
| 18 | 2026-07 | 6188.45 | 499.31 | 5689.14 | 249279.12 |
| 19 | 2026-08 | 6188.45 | 488.17 | 5700.28 | 243578.83 |
| 20 | 2026-09 | 6188.45 | 477.01 | 5711.45 | 237867.39 |
| 21 | 2026-10 | 6188.45 | 465.82 | 5722.63 | 232144.76 |
| 22 | 2026-11 | 6188.45 | 454.62 | 5733.84 | 226410.92 |
| 23 | 2026-12 | 6188.45 | 443.39 | 5745.07 | 220665.85 |
| 24 | 2027-01 | 6188.45 | 432.14 | 5756.32 | 214909.53 |
| 25 | 2027-02 | 6188.45 | 420.86 | 5767.59 | 209141.94 |
| 26 | 2027-03 | 6188.45 | 409.57 | 5778.89 | 203363.06 |
| 27 | 2027-04 | 6188.45 | 398.25 | 5790.20 | 197572.85 |
| 28 | 2027-05 | 6188.45 | 386.91 | 5801.54 | 191771.31 |
| 29 | 2027-06 | 6188.45 | 375.55 | 5812.90 | 185958.41 |
| 30 | 2027-07 | 6188.45 | 364.17 | 5824.29 | 180134.12 |
| 31 | 2027-08 | 6188.45 | 352.76 | 5835.69 | 174298.43 |
| 32 | 2027-09 | 6188.45 | 341.33 | 5847.12 | 168451.31 |
| 33 | 2027-10 | 6188.45 | 329.88 | 5858.57 | 162592.74 |
| 34 | 2027-11 | 6188.45 | 318.41 | 5870.04 | 156722.70 |
| 35 | 2027-12 | 6188.45 | 306.92 | 5881.54 | 150841.16 |
| 36 | 2028-01 | 6188.45 | 295.40 | 5893.06 | 144948.10 |
| 37 | 2028-02 | 6188.45 | 283.86 | 5904.60 | 139043.50 |
| 38 | 2028-03 | 6188.45 | 272.29 | 5916.16 | 133127.34 |
| 39 | 2028-04 | 6188.45 | 260.71 | 5927.75 | 127199.59 |
| 40 | 2028-05 | 6188.45 | 249.10 | 5939.36 | 121260.24 |
| 41 | 2028-06 | 6188.45 | 237.47 | 5950.99 | 115309.25 |
| 42 | 2028-07 | 6188.45 | 225.81 | 5962.64 | 109346.61 |
| 43 | 2028-08 | 6188.45 | 214.14 | 5974.32 | 103372.29 |
| 44 | 2028-09 | 6188.45 | 202.44 | 5986.02 | 97386.27 |
| 45 | 2028-10 | 6188.45 | 190.71 | 5997.74 | 91388.53 |
| 46 | 2028-11 | 6188.45 | 178.97 | 6009.49 | 85379.05 |
| 47 | 2028-12 | 6188.45 | 167.20 | 6021.25 | 79357.79 |
| 48 | 2029-01 | 6188.45 | 155.41 | 6033.05 | 73324.75 |
| 49 | 2029-02 | 6188.45 | 143.59 | 6044.86 | 67279.89 |
| 50 | 2029-03 | 6188.45 | 131.76 | 6056.70 | 61223.19 |
| 51 | 2029-04 | 6188.45 | 119.90 | 6068.56 | 55154.63 |
| 52 | 2029-05 | 6188.45 | 108.01 | 6080.44 | 49074.19 |
| 53 | 2029-06 | 6188.45 | 96.10 | 6092.35 | 42981.83 |
| 54 | 2029-07 | 6188.45 | 84.17 | 6104.28 | 36877.55 |
| 55 | 2029-08 | 6188.45 | 72.22 | 6116.24 | 30761.32 |
| 56 | 2029-09 | 6188.45 | 60.24 | 6128.21 | 24633.10 |
| 57 | 2029-10 | 6188.45 | 48.24 | 6140.22 | 18492.89 |
| 58 | 2029-11 | 6188.45 | 36.22 | 6152.24 | 12340.65 |
| 59 | 2029-12 | 6188.45 | 24.17 | 6164.29 | 6176.36 |
| 60 | 2030-01 | 6188.45 | 12.10 | 6176.36 | 0.00 |
等额本金还款方式：
贷款总额：35万
还款月数：5年
首月还款：6518.75元
每月递减：11.42元
利息总额：2.09万
本息合计：37.09万
节省利息：402.08元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 6518.75 | 685.42 | 5833.33 | 344166.67 |
| 2 | 2025-03 | 6507.33 | 673.99 | 5833.33 | 338333.33 |
| 3 | 2025-04 | 6495.90 | 662.57 | 5833.33 | 332500.00 |
| 4 | 2025-05 | 6484.48 | 651.15 | 5833.33 | 326666.67 |
| 5 | 2025-06 | 6473.06 | 639.72 | 5833.33 | 320833.33 |
| 6 | 2025-07 | 6461.63 | 628.30 | 5833.33 | 315000.00 |
| 7 | 2025-08 | 6450.21 | 616.88 | 5833.33 | 309166.67 |
| 8 | 2025-09 | 6438.78 | 605.45 | 5833.33 | 303333.33 |
| 9 | 2025-10 | 6427.36 | 594.03 | 5833.33 | 297500.00 |
| 10 | 2025-11 | 6415.94 | 582.60 | 5833.33 | 291666.67 |
| 11 | 2025-12 | 6404.51 | 571.18 | 5833.33 | 285833.33 |
| 12 | 2026-01 | 6393.09 | 559.76 | 5833.33 | 280000.00 |
| 13 | 2026-02 | 6381.67 | 548.33 | 5833.33 | 274166.67 |
| 14 | 2026-03 | 6370.24 | 536.91 | 5833.33 | 268333.33 |
| 15 | 2026-04 | 6358.82 | 525.49 | 5833.33 | 262500.00 |
| 16 | 2026-05 | 6347.40 | 514.06 | 5833.33 | 256666.67 |
| 17 | 2026-06 | 6335.97 | 502.64 | 5833.33 | 250833.33 |
| 18 | 2026-07 | 6324.55 | 491.22 | 5833.33 | 245000.00 |
| 19 | 2026-08 | 6313.13 | 479.79 | 5833.33 | 239166.67 |
| 20 | 2026-09 | 6301.70 | 468.37 | 5833.33 | 233333.33 |
| 21 | 2026-10 | 6290.28 | 456.94 | 5833.33 | 227500.00 |
| 22 | 2026-11 | 6278.85 | 445.52 | 5833.33 | 221666.67 |
| 23 | 2026-12 | 6267.43 | 434.10 | 5833.33 | 215833.33 |
| 24 | 2027-01 | 6256.01 | 422.67 | 5833.33 | 210000.00 |
| 25 | 2027-02 | 6244.58 | 411.25 | 5833.33 | 204166.67 |
| 26 | 2027-03 | 6233.16 | 399.83 | 5833.33 | 198333.33 |
| 27 | 2027-04 | 6221.74 | 388.40 | 5833.33 | 192500.00 |
| 28 | 2027-05 | 6210.31 | 376.98 | 5833.33 | 186666.67 |
| 29 | 2027-06 | 6198.89 | 365.56 | 5833.33 | 180833.33 |
| 30 | 2027-07 | 6187.47 | 354.13 | 5833.33 | 175000.00 |
| 31 | 2027-08 | 6176.04 | 342.71 | 5833.33 | 169166.67 |
| 32 | 2027-09 | 6164.62 | 331.28 | 5833.33 | 163333.33 |
| 33 | 2027-10 | 6153.19 | 319.86 | 5833.33 | 157500.00 |
| 34 | 2027-11 | 6141.77 | 308.44 | 5833.33 | 151666.67 |
| 35 | 2027-12 | 6130.35 | 297.01 | 5833.33 | 145833.33 |
| 36 | 2028-01 | 6118.92 | 285.59 | 5833.33 | 140000.00 |
| 37 | 2028-02 | 6107.50 | 274.17 | 5833.33 | 134166.67 |
| 38 | 2028-03 | 6096.08 | 262.74 | 5833.33 | 128333.33 |
| 39 | 2028-04 | 6084.65 | 251.32 | 5833.33 | 122500.00 |
| 40 | 2028-05 | 6073.23 | 239.90 | 5833.33 | 116666.67 |
| 41 | 2028-06 | 6061.81 | 228.47 | 5833.33 | 110833.33 |
| 42 | 2028-07 | 6050.38 | 217.05 | 5833.33 | 105000.00 |
| 43 | 2028-08 | 6038.96 | 205.62 | 5833.33 | 99166.67 |
| 44 | 2028-09 | 6027.53 | 194.20 | 5833.33 | 93333.33 |
| 45 | 2028-10 | 6016.11 | 182.78 | 5833.33 | 87500.00 |
| 46 | 2028-11 | 6004.69 | 171.35 | 5833.33 | 81666.67 |
| 47 | 2028-12 | 5993.26 | 159.93 | 5833.33 | 75833.33 |
| 48 | 2029-01 | 5981.84 | 148.51 | 5833.33 | 70000.00 |
| 49 | 2029-02 | 5970.42 | 137.08 | 5833.33 | 64166.67 |
| 50 | 2029-03 | 5958.99 | 125.66 | 5833.33 | 58333.33 |
| 51 | 2029-04 | 5947.57 | 114.24 | 5833.33 | 52500.00 |
| 52 | 2029-05 | 5936.15 | 102.81 | 5833.33 | 46666.67 |
| 53 | 2029-06 | 5924.72 | 91.39 | 5833.33 | 40833.33 |
| 54 | 2029-07 | 5913.30 | 79.97 | 5833.33 | 35000.00 |
| 55 | 2029-08 | 5901.88 | 68.54 | 5833.33 | 29166.67 |
| 56 | 2029-09 | 5890.45 | 57.12 | 5833.33 | 23333.33 |
| 57 | 2029-10 | 5879.03 | 45.69 | 5833.33 | 17500.00 |
| 58 | 2029-11 | 5867.60 | 34.27 | 5833.33 | 11666.67 |
| 59 | 2029-12 | 5856.18 | 22.85 | 5833.33 | 5833.33 |
| 60 | 2030-01 | 5844.76 | 11.42 | 5833.33 | 0.00 |