贷款24.5万（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：24.5万
还款月数：5年
每月还款：4429.6元
利息总额：2.08万
本息合计：26.58万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 4429.60 | 663.54 | 3766.06 | 241233.94 |
| 2 | 2025-04 | 4429.60 | 653.34 | 3776.26 | 237457.68 |
| 3 | 2025-05 | 4429.60 | 643.11 | 3786.49 | 233671.20 |
| 4 | 2025-06 | 4429.60 | 632.86 | 3796.74 | 229874.46 |
| 5 | 2025-07 | 4429.60 | 622.58 | 3807.02 | 226067.43 |
| 6 | 2025-08 | 4429.60 | 612.27 | 3817.33 | 222250.10 |
| 7 | 2025-09 | 4429.60 | 601.93 | 3827.67 | 218422.42 |
| 8 | 2025-10 | 4429.60 | 591.56 | 3838.04 | 214584.38 |
| 9 | 2025-11 | 4429.60 | 581.17 | 3848.43 | 210735.95 |
| 10 | 2025-12 | 4429.60 | 570.74 | 3858.86 | 206877.09 |
| 11 | 2026-01 | 4429.60 | 560.29 | 3869.31 | 203007.78 |
| 12 | 2026-02 | 4429.60 | 549.81 | 3879.79 | 199128.00 |
| 13 | 2026-03 | 4429.60 | 539.30 | 3890.30 | 195237.70 |
| 14 | 2026-04 | 4429.60 | 528.77 | 3900.83 | 191336.87 |
| 15 | 2026-05 | 4429.60 | 518.20 | 3911.40 | 187425.47 |
| 16 | 2026-06 | 4429.60 | 507.61 | 3921.99 | 183503.48 |
| 17 | 2026-07 | 4429.60 | 496.99 | 3932.61 | 179570.87 |
| 18 | 2026-08 | 4429.60 | 486.34 | 3943.26 | 175627.61 |
| 19 | 2026-09 | 4429.60 | 475.66 | 3953.94 | 171673.66 |
| 20 | 2026-10 | 4429.60 | 464.95 | 3964.65 | 167709.01 |
| 21 | 2026-11 | 4429.60 | 454.21 | 3975.39 | 163733.62 |
| 22 | 2026-12 | 4429.60 | 443.45 | 3986.16 | 159747.47 |
| 23 | 2027-01 | 4429.60 | 432.65 | 3996.95 | 155750.52 |
| 24 | 2027-02 | 4429.60 | 421.82 | 4007.78 | 151742.74 |
| 25 | 2027-03 | 4429.60 | 410.97 | 4018.63 | 147724.11 |
| 26 | 2027-04 | 4429.60 | 400.09 | 4029.51 | 143694.60 |
| 27 | 2027-05 | 4429.60 | 389.17 | 4040.43 | 139654.17 |
| 28 | 2027-06 | 4429.60 | 378.23 | 4051.37 | 135602.80 |
| 29 | 2027-07 | 4429.60 | 367.26 | 4062.34 | 131540.46 |
| 30 | 2027-08 | 4429.60 | 356.26 | 4073.35 | 127467.11 |
| 31 | 2027-09 | 4429.60 | 345.22 | 4084.38 | 123382.73 |
| 32 | 2027-10 | 4429.60 | 334.16 | 4095.44 | 119287.29 |
| 33 | 2027-11 | 4429.60 | 323.07 | 4106.53 | 115180.76 |
| 34 | 2027-12 | 4429.60 | 311.95 | 4117.65 | 111063.11 |
| 35 | 2028-01 | 4429.60 | 300.80 | 4128.80 | 106934.31 |
| 36 | 2028-02 | 4429.60 | 289.61 | 4139.99 | 102794.32 |
| 37 | 2028-03 | 4429.60 | 278.40 | 4151.20 | 98643.12 |
| 38 | 2028-04 | 4429.60 | 267.16 | 4162.44 | 94480.68 |
| 39 | 2028-05 | 4429.60 | 255.89 | 4173.72 | 90306.96 |
| 40 | 2028-06 | 4429.60 | 244.58 | 4185.02 | 86121.94 |
| 41 | 2028-07 | 4429.60 | 233.25 | 4196.35 | 81925.59 |
| 42 | 2028-08 | 4429.60 | 221.88 | 4207.72 | 77717.87 |
| 43 | 2028-09 | 4429.60 | 210.49 | 4219.11 | 73498.76 |
| 44 | 2028-10 | 4429.60 | 199.06 | 4230.54 | 69268.22 |
| 45 | 2028-11 | 4429.60 | 187.60 | 4242.00 | 65026.22 |
| 46 | 2028-12 | 4429.60 | 176.11 | 4253.49 | 60772.73 |
| 47 | 2029-01 | 4429.60 | 164.59 | 4265.01 | 56507.72 |
| 48 | 2029-02 | 4429.60 | 153.04 | 4276.56 | 52231.16 |
| 49 | 2029-03 | 4429.60 | 141.46 | 4288.14 | 47943.02 |
| 50 | 2029-04 | 4429.60 | 129.85 | 4299.75 | 43643.27 |
| 51 | 2029-05 | 4429.60 | 118.20 | 4311.40 | 39331.87 |
| 52 | 2029-06 | 4429.60 | 106.52 | 4323.08 | 35008.79 |
| 53 | 2029-07 | 4429.60 | 94.82 | 4334.79 | 30674.00 |
| 54 | 2029-08 | 4429.60 | 83.08 | 4346.53 | 26327.48 |
| 55 | 2029-09 | 4429.60 | 71.30 | 4358.30 | 21969.18 |
| 56 | 2029-10 | 4429.60 | 59.50 | 4370.10 | 17599.08 |
| 57 | 2029-11 | 4429.60 | 47.66 | 4381.94 | 13217.14 |
| 58 | 2029-12 | 4429.60 | 35.80 | 4393.80 | 8823.34 |
| 59 | 2030-01 | 4429.60 | 23.90 | 4405.70 | 4417.64 |
| 60 | 2030-02 | 4429.60 | 11.96 | 4417.64 | 0.00 |
等额本金还款方式：
贷款总额：24.5万
还款月数：5年
首月还款：4746.88元
每月递减：11.06元
利息总额：2.02万
本息合计：26.52万
节省利息：538.01元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 4746.88 | 663.54 | 4083.33 | 240916.67 |
| 2 | 2025-04 | 4735.82 | 652.48 | 4083.33 | 236833.33 |
| 3 | 2025-05 | 4724.76 | 641.42 | 4083.33 | 232750.00 |
| 4 | 2025-06 | 4713.70 | 630.36 | 4083.33 | 228666.67 |
| 5 | 2025-07 | 4702.64 | 619.31 | 4083.33 | 224583.33 |
| 6 | 2025-08 | 4691.58 | 608.25 | 4083.33 | 220500.00 |
| 7 | 2025-09 | 4680.52 | 597.19 | 4083.33 | 216416.67 |
| 8 | 2025-10 | 4669.46 | 586.13 | 4083.33 | 212333.33 |
| 9 | 2025-11 | 4658.40 | 575.07 | 4083.33 | 208250.00 |
| 10 | 2025-12 | 4647.34 | 564.01 | 4083.33 | 204166.67 |
| 11 | 2026-01 | 4636.28 | 552.95 | 4083.33 | 200083.33 |
| 12 | 2026-02 | 4625.23 | 541.89 | 4083.33 | 196000.00 |
| 13 | 2026-03 | 4614.17 | 530.83 | 4083.33 | 191916.67 |
| 14 | 2026-04 | 4603.11 | 519.77 | 4083.33 | 187833.33 |
| 15 | 2026-05 | 4592.05 | 508.72 | 4083.33 | 183750.00 |
| 16 | 2026-06 | 4580.99 | 497.66 | 4083.33 | 179666.67 |
| 17 | 2026-07 | 4569.93 | 486.60 | 4083.33 | 175583.33 |
| 18 | 2026-08 | 4558.87 | 475.54 | 4083.33 | 171500.00 |
| 19 | 2026-09 | 4547.81 | 464.48 | 4083.33 | 167416.67 |
| 20 | 2026-10 | 4536.75 | 453.42 | 4083.33 | 163333.33 |
| 21 | 2026-11 | 4525.69 | 442.36 | 4083.33 | 159250.00 |
| 22 | 2026-12 | 4514.64 | 431.30 | 4083.33 | 155166.67 |
| 23 | 2027-01 | 4503.58 | 420.24 | 4083.33 | 151083.33 |
| 24 | 2027-02 | 4492.52 | 409.18 | 4083.33 | 147000.00 |
| 25 | 2027-03 | 4481.46 | 398.13 | 4083.33 | 142916.67 |
| 26 | 2027-04 | 4470.40 | 387.07 | 4083.33 | 138833.33 |
| 27 | 2027-05 | 4459.34 | 376.01 | 4083.33 | 134750.00 |
| 28 | 2027-06 | 4448.28 | 364.95 | 4083.33 | 130666.67 |
| 29 | 2027-07 | 4437.22 | 353.89 | 4083.33 | 126583.33 |
| 30 | 2027-08 | 4426.16 | 342.83 | 4083.33 | 122500.00 |
| 31 | 2027-09 | 4415.10 | 331.77 | 4083.33 | 118416.67 |
| 32 | 2027-10 | 4404.05 | 320.71 | 4083.33 | 114333.33 |
| 33 | 2027-11 | 4392.99 | 309.65 | 4083.33 | 110250.00 |
| 34 | 2027-12 | 4381.93 | 298.59 | 4083.33 | 106166.67 |
| 35 | 2028-01 | 4370.87 | 287.53 | 4083.33 | 102083.33 |
| 36 | 2028-02 | 4359.81 | 276.48 | 4083.33 | 98000.00 |
| 37 | 2028-03 | 4348.75 | 265.42 | 4083.33 | 93916.67 |
| 38 | 2028-04 | 4337.69 | 254.36 | 4083.33 | 89833.33 |
| 39 | 2028-05 | 4326.63 | 243.30 | 4083.33 | 85750.00 |
| 40 | 2028-06 | 4315.57 | 232.24 | 4083.33 | 81666.67 |
| 41 | 2028-07 | 4304.51 | 221.18 | 4083.33 | 77583.33 |
| 42 | 2028-08 | 4293.45 | 210.12 | 4083.33 | 73500.00 |
| 43 | 2028-09 | 4282.40 | 199.06 | 4083.33 | 69416.67 |
| 44 | 2028-10 | 4271.34 | 188.00 | 4083.33 | 65333.33 |
| 45 | 2028-11 | 4260.28 | 176.94 | 4083.33 | 61250.00 |
| 46 | 2028-12 | 4249.22 | 165.89 | 4083.33 | 57166.67 |
| 47 | 2029-01 | 4238.16 | 154.83 | 4083.33 | 53083.33 |
| 48 | 2029-02 | 4227.10 | 143.77 | 4083.33 | 49000.00 |
| 49 | 2029-03 | 4216.04 | 132.71 | 4083.33 | 44916.67 |
| 50 | 2029-04 | 4204.98 | 121.65 | 4083.33 | 40833.33 |
| 51 | 2029-05 | 4193.92 | 110.59 | 4083.33 | 36750.00 |
| 52 | 2029-06 | 4182.86 | 99.53 | 4083.33 | 32666.67 |
| 53 | 2029-07 | 4171.81 | 88.47 | 4083.33 | 28583.33 |
| 54 | 2029-08 | 4160.75 | 77.41 | 4083.33 | 24500.00 |
| 55 | 2029-09 | 4149.69 | 66.35 | 4083.33 | 20416.67 |
| 56 | 2029-10 | 4138.63 | 55.30 | 4083.33 | 16333.33 |
| 57 | 2029-11 | 4127.57 | 44.24 | 4083.33 | 12250.00 |
| 58 | 2029-12 | 4116.51 | 33.18 | 4083.33 | 8166.67 |
| 59 | 2030-01 | 4105.45 | 22.12 | 4083.33 | 4083.33 |
| 60 | 2030-02 | 4094.39 | 11.06 | 4083.33 | 0.00 |