贷款21万（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：21万
还款月数：5年
每月还款：3713.07元
利息总额：1.28万
本息合计：22.28万
| 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 | 3713.07 | 411.25 | 3301.82 | 206698.18 |
| 2 | 2025-04 | 3713.07 | 404.78 | 3308.29 | 203389.89 |
| 3 | 2025-05 | 3713.07 | 398.31 | 3314.77 | 200075.12 |
| 4 | 2025-06 | 3713.07 | 391.81 | 3321.26 | 196753.86 |
| 5 | 2025-07 | 3713.07 | 385.31 | 3327.76 | 193426.10 |
| 6 | 2025-08 | 3713.07 | 378.79 | 3334.28 | 190091.82 |
| 7 | 2025-09 | 3713.07 | 372.26 | 3340.81 | 186751.01 |
| 8 | 2025-10 | 3713.07 | 365.72 | 3347.35 | 183403.66 |
| 9 | 2025-11 | 3713.07 | 359.17 | 3353.91 | 180049.75 |
| 10 | 2025-12 | 3713.07 | 352.60 | 3360.48 | 176689.27 |
| 11 | 2026-01 | 3713.07 | 346.02 | 3367.06 | 173322.22 |
| 12 | 2026-02 | 3713.07 | 339.42 | 3373.65 | 169948.57 |
| 13 | 2026-03 | 3713.07 | 332.82 | 3380.26 | 166568.31 |
| 14 | 2026-04 | 3713.07 | 326.20 | 3386.88 | 163181.43 |
| 15 | 2026-05 | 3713.07 | 319.56 | 3393.51 | 159787.92 |
| 16 | 2026-06 | 3713.07 | 312.92 | 3400.15 | 156387.77 |
| 17 | 2026-07 | 3713.07 | 306.26 | 3406.81 | 152980.95 |
| 18 | 2026-08 | 3713.07 | 299.59 | 3413.49 | 149567.47 |
| 19 | 2026-09 | 3713.07 | 292.90 | 3420.17 | 146147.30 |
| 20 | 2026-10 | 3713.07 | 286.21 | 3426.87 | 142720.43 |
| 21 | 2026-11 | 3713.07 | 279.49 | 3433.58 | 139286.85 |
| 22 | 2026-12 | 3713.07 | 272.77 | 3440.30 | 135846.55 |
| 23 | 2027-01 | 3713.07 | 266.03 | 3447.04 | 132399.51 |
| 24 | 2027-02 | 3713.07 | 259.28 | 3453.79 | 128945.72 |
| 25 | 2027-03 | 3713.07 | 252.52 | 3460.55 | 125485.17 |
| 26 | 2027-04 | 3713.07 | 245.74 | 3467.33 | 122017.83 |
| 27 | 2027-05 | 3713.07 | 238.95 | 3474.12 | 118543.71 |
| 28 | 2027-06 | 3713.07 | 232.15 | 3480.92 | 115062.79 |
| 29 | 2027-07 | 3713.07 | 225.33 | 3487.74 | 111575.05 |
| 30 | 2027-08 | 3713.07 | 218.50 | 3494.57 | 108080.47 |
| 31 | 2027-09 | 3713.07 | 211.66 | 3501.42 | 104579.06 |
| 32 | 2027-10 | 3713.07 | 204.80 | 3508.27 | 101070.79 |
| 33 | 2027-11 | 3713.07 | 197.93 | 3515.14 | 97555.64 |
| 34 | 2027-12 | 3713.07 | 191.05 | 3522.03 | 94033.62 |
| 35 | 2028-01 | 3713.07 | 184.15 | 3528.92 | 90504.69 |
| 36 | 2028-02 | 3713.07 | 177.24 | 3535.83 | 86968.86 |
| 37 | 2028-03 | 3713.07 | 170.31 | 3542.76 | 83426.10 |
| 38 | 2028-04 | 3713.07 | 163.38 | 3549.70 | 79876.40 |
| 39 | 2028-05 | 3713.07 | 156.42 | 3556.65 | 76319.76 |
| 40 | 2028-06 | 3713.07 | 149.46 | 3563.61 | 72756.14 |
| 41 | 2028-07 | 3713.07 | 142.48 | 3570.59 | 69185.55 |
| 42 | 2028-08 | 3713.07 | 135.49 | 3577.58 | 65607.97 |
| 43 | 2028-09 | 3713.07 | 128.48 | 3584.59 | 62023.37 |
| 44 | 2028-10 | 3713.07 | 121.46 | 3591.61 | 58431.76 |
| 45 | 2028-11 | 3713.07 | 114.43 | 3598.64 | 54833.12 |
| 46 | 2028-12 | 3713.07 | 107.38 | 3605.69 | 51227.43 |
| 47 | 2029-01 | 3713.07 | 100.32 | 3612.75 | 47614.68 |
| 48 | 2029-02 | 3713.07 | 93.25 | 3619.83 | 43994.85 |
| 49 | 2029-03 | 3713.07 | 86.16 | 3626.92 | 40367.93 |
| 50 | 2029-04 | 3713.07 | 79.05 | 3634.02 | 36733.91 |
| 51 | 2029-05 | 3713.07 | 71.94 | 3641.14 | 33092.78 |
| 52 | 2029-06 | 3713.07 | 64.81 | 3648.27 | 29444.51 |
| 53 | 2029-07 | 3713.07 | 57.66 | 3655.41 | 25789.10 |
| 54 | 2029-08 | 3713.07 | 50.50 | 3662.57 | 22126.53 |
| 55 | 2029-09 | 3713.07 | 43.33 | 3669.74 | 18456.79 |
| 56 | 2029-10 | 3713.07 | 36.14 | 3676.93 | 14779.86 |
| 57 | 2029-11 | 3713.07 | 28.94 | 3684.13 | 11095.73 |
| 58 | 2029-12 | 3713.07 | 21.73 | 3691.34 | 7404.39 |
| 59 | 2030-01 | 3713.07 | 14.50 | 3698.57 | 3705.82 |
| 60 | 2030-02 | 3713.07 | 7.26 | 3705.82 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：5年
首月还款：3911.25元
每月递减：6.85元
利息总额：1.25万
本息合计：22.25万
节省利息：241.25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 | 3911.25 | 411.25 | 3500.00 | 206500.00 |
| 2 | 2025-04 | 3904.40 | 404.40 | 3500.00 | 203000.00 |
| 3 | 2025-05 | 3897.54 | 397.54 | 3500.00 | 199500.00 |
| 4 | 2025-06 | 3890.69 | 390.69 | 3500.00 | 196000.00 |
| 5 | 2025-07 | 3883.83 | 383.83 | 3500.00 | 192500.00 |
| 6 | 2025-08 | 3876.98 | 376.98 | 3500.00 | 189000.00 |
| 7 | 2025-09 | 3870.13 | 370.13 | 3500.00 | 185500.00 |
| 8 | 2025-10 | 3863.27 | 363.27 | 3500.00 | 182000.00 |
| 9 | 2025-11 | 3856.42 | 356.42 | 3500.00 | 178500.00 |
| 10 | 2025-12 | 3849.56 | 349.56 | 3500.00 | 175000.00 |
| 11 | 2026-01 | 3842.71 | 342.71 | 3500.00 | 171500.00 |
| 12 | 2026-02 | 3835.85 | 335.85 | 3500.00 | 168000.00 |
| 13 | 2026-03 | 3829.00 | 329.00 | 3500.00 | 164500.00 |
| 14 | 2026-04 | 3822.15 | 322.15 | 3500.00 | 161000.00 |
| 15 | 2026-05 | 3815.29 | 315.29 | 3500.00 | 157500.00 |
| 16 | 2026-06 | 3808.44 | 308.44 | 3500.00 | 154000.00 |
| 17 | 2026-07 | 3801.58 | 301.58 | 3500.00 | 150500.00 |
| 18 | 2026-08 | 3794.73 | 294.73 | 3500.00 | 147000.00 |
| 19 | 2026-09 | 3787.88 | 287.88 | 3500.00 | 143500.00 |
| 20 | 2026-10 | 3781.02 | 281.02 | 3500.00 | 140000.00 |
| 21 | 2026-11 | 3774.17 | 274.17 | 3500.00 | 136500.00 |
| 22 | 2026-12 | 3767.31 | 267.31 | 3500.00 | 133000.00 |
| 23 | 2027-01 | 3760.46 | 260.46 | 3500.00 | 129500.00 |
| 24 | 2027-02 | 3753.60 | 253.60 | 3500.00 | 126000.00 |
| 25 | 2027-03 | 3746.75 | 246.75 | 3500.00 | 122500.00 |
| 26 | 2027-04 | 3739.90 | 239.90 | 3500.00 | 119000.00 |
| 27 | 2027-05 | 3733.04 | 233.04 | 3500.00 | 115500.00 |
| 28 | 2027-06 | 3726.19 | 226.19 | 3500.00 | 112000.00 |
| 29 | 2027-07 | 3719.33 | 219.33 | 3500.00 | 108500.00 |
| 30 | 2027-08 | 3712.48 | 212.48 | 3500.00 | 105000.00 |
| 31 | 2027-09 | 3705.63 | 205.62 | 3500.00 | 101500.00 |
| 32 | 2027-10 | 3698.77 | 198.77 | 3500.00 | 98000.00 |
| 33 | 2027-11 | 3691.92 | 191.92 | 3500.00 | 94500.00 |
| 34 | 2027-12 | 3685.06 | 185.06 | 3500.00 | 91000.00 |
| 35 | 2028-01 | 3678.21 | 178.21 | 3500.00 | 87500.00 |
| 36 | 2028-02 | 3671.35 | 171.35 | 3500.00 | 84000.00 |
| 37 | 2028-03 | 3664.50 | 164.50 | 3500.00 | 80500.00 |
| 38 | 2028-04 | 3657.65 | 157.65 | 3500.00 | 77000.00 |
| 39 | 2028-05 | 3650.79 | 150.79 | 3500.00 | 73500.00 |
| 40 | 2028-06 | 3643.94 | 143.94 | 3500.00 | 70000.00 |
| 41 | 2028-07 | 3637.08 | 137.08 | 3500.00 | 66500.00 |
| 42 | 2028-08 | 3630.23 | 130.23 | 3500.00 | 63000.00 |
| 43 | 2028-09 | 3623.38 | 123.37 | 3500.00 | 59500.00 |
| 44 | 2028-10 | 3616.52 | 116.52 | 3500.00 | 56000.00 |
| 45 | 2028-11 | 3609.67 | 109.67 | 3500.00 | 52500.00 |
| 46 | 2028-12 | 3602.81 | 102.81 | 3500.00 | 49000.00 |
| 47 | 2029-01 | 3595.96 | 95.96 | 3500.00 | 45500.00 |
| 48 | 2029-02 | 3589.10 | 89.10 | 3500.00 | 42000.00 |
| 49 | 2029-03 | 3582.25 | 82.25 | 3500.00 | 38500.00 |
| 50 | 2029-04 | 3575.40 | 75.40 | 3500.00 | 35000.00 |
| 51 | 2029-05 | 3568.54 | 68.54 | 3500.00 | 31500.00 |
| 52 | 2029-06 | 3561.69 | 61.69 | 3500.00 | 28000.00 |
| 53 | 2029-07 | 3554.83 | 54.83 | 3500.00 | 24500.00 |
| 54 | 2029-08 | 3547.98 | 47.98 | 3500.00 | 21000.00 |
| 55 | 2029-09 | 3541.13 | 41.13 | 3500.00 | 17500.00 |
| 56 | 2029-10 | 3534.27 | 34.27 | 3500.00 | 14000.00 |
| 57 | 2029-11 | 3527.42 | 27.42 | 3500.00 | 10500.00 |
| 58 | 2029-12 | 3520.56 | 20.56 | 3500.00 | 7000.00 |
| 59 | 2030-01 | 3513.71 | 13.71 | 3500.00 | 3500.00 |
| 60 | 2030-02 | 3506.85 | 6.85 | 3500.00 | 0.00 |