包头贷款30万（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：30万
还款月数：5年
每月还款：5360.66元
利息总额：2.16万
本息合计：32.16万
| 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 | 5360.66 | 693.75 | 4666.91 | 295333.09 |
| 2 | 2025-04 | 5360.66 | 682.96 | 4677.71 | 290655.38 |
| 3 | 2025-05 | 5360.66 | 672.14 | 4688.52 | 285966.86 |
| 4 | 2025-06 | 5360.66 | 661.30 | 4699.37 | 281267.49 |
| 5 | 2025-07 | 5360.66 | 650.43 | 4710.23 | 276557.26 |
| 6 | 2025-08 | 5360.66 | 639.54 | 4721.13 | 271836.13 |
| 7 | 2025-09 | 5360.66 | 628.62 | 4732.04 | 267104.09 |
| 8 | 2025-10 | 5360.66 | 617.68 | 4742.99 | 262361.11 |
| 9 | 2025-11 | 5360.66 | 606.71 | 4753.95 | 257607.15 |
| 10 | 2025-12 | 5360.66 | 595.72 | 4764.95 | 252842.21 |
| 11 | 2026-01 | 5360.66 | 584.70 | 4775.97 | 248066.24 |
| 12 | 2026-02 | 5360.66 | 573.65 | 4787.01 | 243279.23 |
| 13 | 2026-03 | 5360.66 | 562.58 | 4798.08 | 238481.15 |
| 14 | 2026-04 | 5360.66 | 551.49 | 4809.18 | 233671.97 |
| 15 | 2026-05 | 5360.66 | 540.37 | 4820.30 | 228851.68 |
| 16 | 2026-06 | 5360.66 | 529.22 | 4831.44 | 224020.23 |
| 17 | 2026-07 | 5360.66 | 518.05 | 4842.62 | 219177.61 |
| 18 | 2026-08 | 5360.66 | 506.85 | 4853.82 | 214323.80 |
| 19 | 2026-09 | 5360.66 | 495.62 | 4865.04 | 209458.76 |
| 20 | 2026-10 | 5360.66 | 484.37 | 4876.29 | 204582.47 |
| 21 | 2026-11 | 5360.66 | 473.10 | 4887.57 | 199694.90 |
| 22 | 2026-12 | 5360.66 | 461.79 | 4898.87 | 194796.03 |
| 23 | 2027-01 | 5360.66 | 450.47 | 4910.20 | 189885.83 |
| 24 | 2027-02 | 5360.66 | 439.11 | 4921.55 | 184964.28 |
| 25 | 2027-03 | 5360.66 | 427.73 | 4932.93 | 180031.35 |
| 26 | 2027-04 | 5360.66 | 416.32 | 4944.34 | 175087.01 |
| 27 | 2027-05 | 5360.66 | 404.89 | 4955.77 | 170131.23 |
| 28 | 2027-06 | 5360.66 | 393.43 | 4967.24 | 165164.00 |
| 29 | 2027-07 | 5360.66 | 381.94 | 4978.72 | 160185.27 |
| 30 | 2027-08 | 5360.66 | 370.43 | 4990.24 | 155195.04 |
| 31 | 2027-09 | 5360.66 | 358.89 | 5001.78 | 150193.26 |
| 32 | 2027-10 | 5360.66 | 347.32 | 5013.34 | 145179.92 |
| 33 | 2027-11 | 5360.66 | 335.73 | 5024.94 | 140154.99 |
| 34 | 2027-12 | 5360.66 | 324.11 | 5036.56 | 135118.43 |
| 35 | 2028-01 | 5360.66 | 312.46 | 5048.20 | 130070.23 |
| 36 | 2028-02 | 5360.66 | 300.79 | 5059.88 | 125010.35 |
| 37 | 2028-03 | 5360.66 | 289.09 | 5071.58 | 119938.78 |
| 38 | 2028-04 | 5360.66 | 277.36 | 5083.31 | 114855.47 |
| 39 | 2028-05 | 5360.66 | 265.60 | 5095.06 | 109760.41 |
| 40 | 2028-06 | 5360.66 | 253.82 | 5106.84 | 104653.57 |
| 41 | 2028-07 | 5360.66 | 242.01 | 5118.65 | 99534.92 |
| 42 | 2028-08 | 5360.66 | 230.17 | 5130.49 | 94404.43 |
| 43 | 2028-09 | 5360.66 | 218.31 | 5142.35 | 89262.07 |
| 44 | 2028-10 | 5360.66 | 206.42 | 5154.25 | 84107.83 |
| 45 | 2028-11 | 5360.66 | 194.50 | 5166.16 | 78941.66 |
| 46 | 2028-12 | 5360.66 | 182.55 | 5178.11 | 73763.55 |
| 47 | 2029-01 | 5360.66 | 170.58 | 5190.09 | 68573.47 |
| 48 | 2029-02 | 5360.66 | 158.58 | 5202.09 | 63371.38 |
| 49 | 2029-03 | 5360.66 | 146.55 | 5214.12 | 58157.26 |
| 50 | 2029-04 | 5360.66 | 134.49 | 5226.18 | 52931.09 |
| 51 | 2029-05 | 5360.66 | 122.40 | 5238.26 | 47692.83 |
| 52 | 2029-06 | 5360.66 | 110.29 | 5250.37 | 42442.45 |
| 53 | 2029-07 | 5360.66 | 98.15 | 5262.52 | 37179.94 |
| 54 | 2029-08 | 5360.66 | 85.98 | 5274.69 | 31905.25 |
| 55 | 2029-09 | 5360.66 | 73.78 | 5286.88 | 26618.37 |
| 56 | 2029-10 | 5360.66 | 61.55 | 5299.11 | 21319.26 |
| 57 | 2029-11 | 5360.66 | 49.30 | 5311.36 | 16007.90 |
| 58 | 2029-12 | 5360.66 | 37.02 | 5323.65 | 10684.25 |
| 59 | 2030-01 | 5360.66 | 24.71 | 5335.96 | 5348.30 |
| 60 | 2030-02 | 5360.66 | 12.37 | 5348.30 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：5年
首月还款：5693.75元
每月递减：11.56元
利息总额：2.12万
本息合计：32.12万
节省利息：480.45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 | 5693.75 | 693.75 | 5000.00 | 295000.00 |
| 2 | 2025-04 | 5682.19 | 682.19 | 5000.00 | 290000.00 |
| 3 | 2025-05 | 5670.63 | 670.63 | 5000.00 | 285000.00 |
| 4 | 2025-06 | 5659.06 | 659.06 | 5000.00 | 280000.00 |
| 5 | 2025-07 | 5647.50 | 647.50 | 5000.00 | 275000.00 |
| 6 | 2025-08 | 5635.94 | 635.94 | 5000.00 | 270000.00 |
| 7 | 2025-09 | 5624.38 | 624.38 | 5000.00 | 265000.00 |
| 8 | 2025-10 | 5612.81 | 612.81 | 5000.00 | 260000.00 |
| 9 | 2025-11 | 5601.25 | 601.25 | 5000.00 | 255000.00 |
| 10 | 2025-12 | 5589.69 | 589.69 | 5000.00 | 250000.00 |
| 11 | 2026-01 | 5578.13 | 578.13 | 5000.00 | 245000.00 |
| 12 | 2026-02 | 5566.56 | 566.56 | 5000.00 | 240000.00 |
| 13 | 2026-03 | 5555.00 | 555.00 | 5000.00 | 235000.00 |
| 14 | 2026-04 | 5543.44 | 543.44 | 5000.00 | 230000.00 |
| 15 | 2026-05 | 5531.88 | 531.88 | 5000.00 | 225000.00 |
| 16 | 2026-06 | 5520.31 | 520.31 | 5000.00 | 220000.00 |
| 17 | 2026-07 | 5508.75 | 508.75 | 5000.00 | 215000.00 |
| 18 | 2026-08 | 5497.19 | 497.19 | 5000.00 | 210000.00 |
| 19 | 2026-09 | 5485.63 | 485.63 | 5000.00 | 205000.00 |
| 20 | 2026-10 | 5474.06 | 474.06 | 5000.00 | 200000.00 |
| 21 | 2026-11 | 5462.50 | 462.50 | 5000.00 | 195000.00 |
| 22 | 2026-12 | 5450.94 | 450.94 | 5000.00 | 190000.00 |
| 23 | 2027-01 | 5439.38 | 439.38 | 5000.00 | 185000.00 |
| 24 | 2027-02 | 5427.81 | 427.81 | 5000.00 | 180000.00 |
| 25 | 2027-03 | 5416.25 | 416.25 | 5000.00 | 175000.00 |
| 26 | 2027-04 | 5404.69 | 404.69 | 5000.00 | 170000.00 |
| 27 | 2027-05 | 5393.13 | 393.13 | 5000.00 | 165000.00 |
| 28 | 2027-06 | 5381.56 | 381.56 | 5000.00 | 160000.00 |
| 29 | 2027-07 | 5370.00 | 370.00 | 5000.00 | 155000.00 |
| 30 | 2027-08 | 5358.44 | 358.44 | 5000.00 | 150000.00 |
| 31 | 2027-09 | 5346.88 | 346.88 | 5000.00 | 145000.00 |
| 32 | 2027-10 | 5335.31 | 335.31 | 5000.00 | 140000.00 |
| 33 | 2027-11 | 5323.75 | 323.75 | 5000.00 | 135000.00 |
| 34 | 2027-12 | 5312.19 | 312.19 | 5000.00 | 130000.00 |
| 35 | 2028-01 | 5300.63 | 300.63 | 5000.00 | 125000.00 |
| 36 | 2028-02 | 5289.06 | 289.06 | 5000.00 | 120000.00 |
| 37 | 2028-03 | 5277.50 | 277.50 | 5000.00 | 115000.00 |
| 38 | 2028-04 | 5265.94 | 265.94 | 5000.00 | 110000.00 |
| 39 | 2028-05 | 5254.38 | 254.38 | 5000.00 | 105000.00 |
| 40 | 2028-06 | 5242.81 | 242.81 | 5000.00 | 100000.00 |
| 41 | 2028-07 | 5231.25 | 231.25 | 5000.00 | 95000.00 |
| 42 | 2028-08 | 5219.69 | 219.69 | 5000.00 | 90000.00 |
| 43 | 2028-09 | 5208.13 | 208.13 | 5000.00 | 85000.00 |
| 44 | 2028-10 | 5196.56 | 196.56 | 5000.00 | 80000.00 |
| 45 | 2028-11 | 5185.00 | 185.00 | 5000.00 | 75000.00 |
| 46 | 2028-12 | 5173.44 | 173.44 | 5000.00 | 70000.00 |
| 47 | 2029-01 | 5161.88 | 161.88 | 5000.00 | 65000.00 |
| 48 | 2029-02 | 5150.31 | 150.31 | 5000.00 | 60000.00 |
| 49 | 2029-03 | 5138.75 | 138.75 | 5000.00 | 55000.00 |
| 50 | 2029-04 | 5127.19 | 127.19 | 5000.00 | 50000.00 |
| 51 | 2029-05 | 5115.63 | 115.63 | 5000.00 | 45000.00 |
| 52 | 2029-06 | 5104.06 | 104.06 | 5000.00 | 40000.00 |
| 53 | 2029-07 | 5092.50 | 92.50 | 5000.00 | 35000.00 |
| 54 | 2029-08 | 5080.94 | 80.94 | 5000.00 | 30000.00 |
| 55 | 2029-09 | 5069.38 | 69.38 | 5000.00 | 25000.00 |
| 56 | 2029-10 | 5057.81 | 57.81 | 5000.00 | 20000.00 |
| 57 | 2029-11 | 5046.25 | 46.25 | 5000.00 | 15000.00 |
| 58 | 2029-12 | 5034.69 | 34.69 | 5000.00 | 10000.00 |
| 59 | 2030-01 | 5023.13 | 23.13 | 5000.00 | 5000.00 |
| 60 | 2030-02 | 5011.56 | 11.56 | 5000.00 | 0.00 |