包头贷款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：6254.11元
利息总额：2.52万
本息合计：37.52万
| 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 | 6254.11 | 809.38 | 5444.73 | 344555.27 |
| 2 | 2025-04 | 6254.11 | 796.78 | 5457.32 | 339097.94 |
| 3 | 2025-05 | 6254.11 | 784.16 | 5469.94 | 333628.00 |
| 4 | 2025-06 | 6254.11 | 771.51 | 5482.59 | 328145.41 |
| 5 | 2025-07 | 6254.11 | 758.84 | 5495.27 | 322650.14 |
| 6 | 2025-08 | 6254.11 | 746.13 | 5507.98 | 317142.16 |
| 7 | 2025-09 | 6254.11 | 733.39 | 5520.72 | 311621.44 |
| 8 | 2025-10 | 6254.11 | 720.62 | 5533.48 | 306087.96 |
| 9 | 2025-11 | 6254.11 | 707.83 | 5546.28 | 300541.68 |
| 10 | 2025-12 | 6254.11 | 695.00 | 5559.11 | 294982.57 |
| 11 | 2026-01 | 6254.11 | 682.15 | 5571.96 | 289410.61 |
| 12 | 2026-02 | 6254.11 | 669.26 | 5584.85 | 283825.77 |
| 13 | 2026-03 | 6254.11 | 656.35 | 5597.76 | 278228.01 |
| 14 | 2026-04 | 6254.11 | 643.40 | 5610.71 | 272617.30 |
| 15 | 2026-05 | 6254.11 | 630.43 | 5623.68 | 266993.62 |
| 16 | 2026-06 | 6254.11 | 617.42 | 5636.68 | 261356.94 |
| 17 | 2026-07 | 6254.11 | 604.39 | 5649.72 | 255707.22 |
| 18 | 2026-08 | 6254.11 | 591.32 | 5662.78 | 250044.43 |
| 19 | 2026-09 | 6254.11 | 578.23 | 5675.88 | 244368.55 |
| 20 | 2026-10 | 6254.11 | 565.10 | 5689.01 | 238679.55 |
| 21 | 2026-11 | 6254.11 | 551.95 | 5702.16 | 232977.39 |
| 22 | 2026-12 | 6254.11 | 538.76 | 5715.35 | 227262.04 |
| 23 | 2027-01 | 6254.11 | 525.54 | 5728.56 | 221533.47 |
| 24 | 2027-02 | 6254.11 | 512.30 | 5741.81 | 215791.66 |
| 25 | 2027-03 | 6254.11 | 499.02 | 5755.09 | 210036.57 |
| 26 | 2027-04 | 6254.11 | 485.71 | 5768.40 | 204268.17 |
| 27 | 2027-05 | 6254.11 | 472.37 | 5781.74 | 198486.44 |
| 28 | 2027-06 | 6254.11 | 459.00 | 5795.11 | 192691.33 |
| 29 | 2027-07 | 6254.11 | 445.60 | 5808.51 | 186882.82 |
| 30 | 2027-08 | 6254.11 | 432.17 | 5821.94 | 181060.88 |
| 31 | 2027-09 | 6254.11 | 418.70 | 5835.40 | 175225.48 |
| 32 | 2027-10 | 6254.11 | 405.21 | 5848.90 | 169376.58 |
| 33 | 2027-11 | 6254.11 | 391.68 | 5862.42 | 163514.15 |
| 34 | 2027-12 | 6254.11 | 378.13 | 5875.98 | 157638.17 |
| 35 | 2028-01 | 6254.11 | 364.54 | 5889.57 | 151748.60 |
| 36 | 2028-02 | 6254.11 | 350.92 | 5903.19 | 145845.41 |
| 37 | 2028-03 | 6254.11 | 337.27 | 5916.84 | 139928.57 |
| 38 | 2028-04 | 6254.11 | 323.58 | 5930.52 | 133998.05 |
| 39 | 2028-05 | 6254.11 | 309.87 | 5944.24 | 128053.81 |
| 40 | 2028-06 | 6254.11 | 296.12 | 5957.98 | 122095.83 |
| 41 | 2028-07 | 6254.11 | 282.35 | 5971.76 | 116124.07 |
| 42 | 2028-08 | 6254.11 | 268.54 | 5985.57 | 110138.50 |
| 43 | 2028-09 | 6254.11 | 254.70 | 5999.41 | 104139.09 |
| 44 | 2028-10 | 6254.11 | 240.82 | 6013.29 | 98125.80 |
| 45 | 2028-11 | 6254.11 | 226.92 | 6027.19 | 92098.61 |
| 46 | 2028-12 | 6254.11 | 212.98 | 6041.13 | 86057.48 |
| 47 | 2029-01 | 6254.11 | 199.01 | 6055.10 | 80002.38 |
| 48 | 2029-02 | 6254.11 | 185.01 | 6069.10 | 73933.28 |
| 49 | 2029-03 | 6254.11 | 170.97 | 6083.14 | 67850.14 |
| 50 | 2029-04 | 6254.11 | 156.90 | 6097.20 | 61752.93 |
| 51 | 2029-05 | 6254.11 | 142.80 | 6111.30 | 55641.63 |
| 52 | 2029-06 | 6254.11 | 128.67 | 6125.44 | 49516.19 |
| 53 | 2029-07 | 6254.11 | 114.51 | 6139.60 | 43376.59 |
| 54 | 2029-08 | 6254.11 | 100.31 | 6153.80 | 37222.79 |
| 55 | 2029-09 | 6254.11 | 86.08 | 6168.03 | 31054.76 |
| 56 | 2029-10 | 6254.11 | 71.81 | 6182.29 | 24872.47 |
| 57 | 2029-11 | 6254.11 | 57.52 | 6196.59 | 18675.88 |
| 58 | 2029-12 | 6254.11 | 43.19 | 6210.92 | 12464.96 |
| 59 | 2030-01 | 6254.11 | 28.83 | 6225.28 | 6239.68 |
| 60 | 2030-02 | 6254.11 | 14.43 | 6239.68 | 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：6642.71元
每月递减：13.49元
利息总额：2.47万
本息合计：37.47万
节省利息：560.52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 | 6642.71 | 809.38 | 5833.33 | 344166.67 |
| 2 | 2025-04 | 6629.22 | 795.89 | 5833.33 | 338333.33 |
| 3 | 2025-05 | 6615.73 | 782.40 | 5833.33 | 332500.00 |
| 4 | 2025-06 | 6602.24 | 768.91 | 5833.33 | 326666.67 |
| 5 | 2025-07 | 6588.75 | 755.42 | 5833.33 | 320833.33 |
| 6 | 2025-08 | 6575.26 | 741.93 | 5833.33 | 315000.00 |
| 7 | 2025-09 | 6561.77 | 728.44 | 5833.33 | 309166.67 |
| 8 | 2025-10 | 6548.28 | 714.95 | 5833.33 | 303333.33 |
| 9 | 2025-11 | 6534.79 | 701.46 | 5833.33 | 297500.00 |
| 10 | 2025-12 | 6521.30 | 687.97 | 5833.33 | 291666.67 |
| 11 | 2026-01 | 6507.81 | 674.48 | 5833.33 | 285833.33 |
| 12 | 2026-02 | 6494.32 | 660.99 | 5833.33 | 280000.00 |
| 13 | 2026-03 | 6480.83 | 647.50 | 5833.33 | 274166.67 |
| 14 | 2026-04 | 6467.34 | 634.01 | 5833.33 | 268333.33 |
| 15 | 2026-05 | 6453.85 | 620.52 | 5833.33 | 262500.00 |
| 16 | 2026-06 | 6440.36 | 607.03 | 5833.33 | 256666.67 |
| 17 | 2026-07 | 6426.88 | 593.54 | 5833.33 | 250833.33 |
| 18 | 2026-08 | 6413.39 | 580.05 | 5833.33 | 245000.00 |
| 19 | 2026-09 | 6399.90 | 566.56 | 5833.33 | 239166.67 |
| 20 | 2026-10 | 6386.41 | 553.07 | 5833.33 | 233333.33 |
| 21 | 2026-11 | 6372.92 | 539.58 | 5833.33 | 227500.00 |
| 22 | 2026-12 | 6359.43 | 526.09 | 5833.33 | 221666.67 |
| 23 | 2027-01 | 6345.94 | 512.60 | 5833.33 | 215833.33 |
| 24 | 2027-02 | 6332.45 | 499.11 | 5833.33 | 210000.00 |
| 25 | 2027-03 | 6318.96 | 485.63 | 5833.33 | 204166.67 |
| 26 | 2027-04 | 6305.47 | 472.14 | 5833.33 | 198333.33 |
| 27 | 2027-05 | 6291.98 | 458.65 | 5833.33 | 192500.00 |
| 28 | 2027-06 | 6278.49 | 445.16 | 5833.33 | 186666.67 |
| 29 | 2027-07 | 6265.00 | 431.67 | 5833.33 | 180833.33 |
| 30 | 2027-08 | 6251.51 | 418.18 | 5833.33 | 175000.00 |
| 31 | 2027-09 | 6238.02 | 404.69 | 5833.33 | 169166.67 |
| 32 | 2027-10 | 6224.53 | 391.20 | 5833.33 | 163333.33 |
| 33 | 2027-11 | 6211.04 | 377.71 | 5833.33 | 157500.00 |
| 34 | 2027-12 | 6197.55 | 364.22 | 5833.33 | 151666.67 |
| 35 | 2028-01 | 6184.06 | 350.73 | 5833.33 | 145833.33 |
| 36 | 2028-02 | 6170.57 | 337.24 | 5833.33 | 140000.00 |
| 37 | 2028-03 | 6157.08 | 323.75 | 5833.33 | 134166.67 |
| 38 | 2028-04 | 6143.59 | 310.26 | 5833.33 | 128333.33 |
| 39 | 2028-05 | 6130.10 | 296.77 | 5833.33 | 122500.00 |
| 40 | 2028-06 | 6116.61 | 283.28 | 5833.33 | 116666.67 |
| 41 | 2028-07 | 6103.13 | 269.79 | 5833.33 | 110833.33 |
| 42 | 2028-08 | 6089.64 | 256.30 | 5833.33 | 105000.00 |
| 43 | 2028-09 | 6076.15 | 242.81 | 5833.33 | 99166.67 |
| 44 | 2028-10 | 6062.66 | 229.32 | 5833.33 | 93333.33 |
| 45 | 2028-11 | 6049.17 | 215.83 | 5833.33 | 87500.00 |
| 46 | 2028-12 | 6035.68 | 202.34 | 5833.33 | 81666.67 |
| 47 | 2029-01 | 6022.19 | 188.85 | 5833.33 | 75833.33 |
| 48 | 2029-02 | 6008.70 | 175.36 | 5833.33 | 70000.00 |
| 49 | 2029-03 | 5995.21 | 161.88 | 5833.33 | 64166.67 |
| 50 | 2029-04 | 5981.72 | 148.39 | 5833.33 | 58333.33 |
| 51 | 2029-05 | 5968.23 | 134.90 | 5833.33 | 52500.00 |
| 52 | 2029-06 | 5954.74 | 121.41 | 5833.33 | 46666.67 |
| 53 | 2029-07 | 5941.25 | 107.92 | 5833.33 | 40833.33 |
| 54 | 2029-08 | 5927.76 | 94.43 | 5833.33 | 35000.00 |
| 55 | 2029-09 | 5914.27 | 80.94 | 5833.33 | 29166.67 |
| 56 | 2029-10 | 5900.78 | 67.45 | 5833.33 | 23333.33 |
| 57 | 2029-11 | 5887.29 | 53.96 | 5833.33 | 17500.00 |
| 58 | 2029-12 | 5873.80 | 40.47 | 5833.33 | 11666.67 |
| 59 | 2030-01 | 5860.31 | 26.98 | 5833.33 | 5833.33 |
| 60 | 2030-02 | 5846.82 | 13.49 | 5833.33 | 0.00 |