贷款29.22万（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：29.22万
还款月数：5年
每月还款：5166.65元
利息总额：1.78万
本息合计：31万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2027-10 | 5166.65 | 572.24 | 4594.41 | 287615.59 |
| 2 | 2027-11 | 5166.65 | 563.25 | 4603.41 | 283012.19 |
| 3 | 2027-12 | 5166.65 | 554.23 | 4612.42 | 278399.77 |
| 4 | 2028-01 | 5166.65 | 545.20 | 4621.45 | 273778.31 |
| 5 | 2028-02 | 5166.65 | 536.15 | 4630.50 | 269147.81 |
| 6 | 2028-03 | 5166.65 | 527.08 | 4639.57 | 264508.24 |
| 7 | 2028-04 | 5166.65 | 518.00 | 4648.66 | 259859.58 |
| 8 | 2028-05 | 5166.65 | 508.89 | 4657.76 | 255201.82 |
| 9 | 2028-06 | 5166.65 | 499.77 | 4666.88 | 250534.94 |
| 10 | 2028-07 | 5166.65 | 490.63 | 4676.02 | 245858.92 |
| 11 | 2028-08 | 5166.65 | 481.47 | 4685.18 | 241173.74 |
| 12 | 2028-09 | 5166.65 | 472.30 | 4694.35 | 236479.38 |
| 13 | 2028-10 | 5166.65 | 463.11 | 4703.55 | 231775.84 |
| 14 | 2028-11 | 5166.65 | 453.89 | 4712.76 | 227063.08 |
| 15 | 2028-12 | 5166.65 | 444.67 | 4721.99 | 222341.09 |
| 16 | 2029-01 | 5166.65 | 435.42 | 4731.23 | 217609.86 |
| 17 | 2029-02 | 5166.65 | 426.15 | 4740.50 | 212869.36 |
| 18 | 2029-03 | 5166.65 | 416.87 | 4749.78 | 208119.57 |
| 19 | 2029-04 | 5166.65 | 407.57 | 4759.09 | 203360.49 |
| 20 | 2029-05 | 5166.65 | 398.25 | 4768.40 | 198592.08 |
| 21 | 2029-06 | 5166.65 | 388.91 | 4777.74 | 193814.34 |
| 22 | 2029-07 | 5166.65 | 379.55 | 4787.10 | 189027.24 |
| 23 | 2029-08 | 5166.65 | 370.18 | 4796.47 | 184230.77 |
| 24 | 2029-09 | 5166.65 | 360.79 | 4805.87 | 179424.90 |
| 25 | 2029-10 | 5166.65 | 351.37 | 4815.28 | 174609.62 |
| 26 | 2029-11 | 5166.65 | 341.94 | 4824.71 | 169784.91 |
| 27 | 2029-12 | 5166.65 | 332.50 | 4834.16 | 164950.75 |
| 28 | 2030-01 | 5166.65 | 323.03 | 4843.62 | 160107.13 |
| 29 | 2030-02 | 5166.65 | 313.54 | 4853.11 | 155254.02 |
| 30 | 2030-03 | 5166.65 | 304.04 | 4862.61 | 150391.41 |
| 31 | 2030-04 | 5166.65 | 294.52 | 4872.14 | 145519.27 |
| 32 | 2030-05 | 5166.65 | 284.98 | 4881.68 | 140637.59 |
| 33 | 2030-06 | 5166.65 | 275.42 | 4891.24 | 135746.36 |
| 34 | 2030-07 | 5166.65 | 265.84 | 4900.82 | 130845.54 |
| 35 | 2030-08 | 5166.65 | 256.24 | 4910.41 | 125935.13 |
| 36 | 2030-09 | 5166.65 | 246.62 | 4920.03 | 121015.10 |
| 37 | 2030-10 | 5166.65 | 236.99 | 4929.66 | 116085.43 |
| 38 | 2030-11 | 5166.65 | 227.33 | 4939.32 | 111146.11 |
| 39 | 2030-12 | 5166.65 | 217.66 | 4948.99 | 106197.12 |
| 40 | 2031-01 | 5166.65 | 207.97 | 4958.68 | 101238.44 |
| 41 | 2031-02 | 5166.65 | 198.26 | 4968.39 | 96270.05 |
| 42 | 2031-03 | 5166.65 | 188.53 | 4978.12 | 91291.92 |
| 43 | 2031-04 | 5166.65 | 178.78 | 4987.87 | 86304.05 |
| 44 | 2031-05 | 5166.65 | 169.01 | 4997.64 | 81306.41 |
| 45 | 2031-06 | 5166.65 | 159.23 | 5007.43 | 76298.98 |
| 46 | 2031-07 | 5166.65 | 149.42 | 5017.23 | 71281.75 |
| 47 | 2031-08 | 5166.65 | 139.59 | 5027.06 | 66254.69 |
| 48 | 2031-09 | 5166.65 | 129.75 | 5036.90 | 61217.78 |
| 49 | 2031-10 | 5166.65 | 119.88 | 5046.77 | 56171.02 |
| 50 | 2031-11 | 5166.65 | 110.00 | 5056.65 | 51114.37 |
| 51 | 2031-12 | 5166.65 | 100.10 | 5066.55 | 46047.81 |
| 52 | 2032-01 | 5166.65 | 90.18 | 5076.48 | 40971.34 |
| 53 | 2032-02 | 5166.65 | 80.24 | 5086.42 | 35884.92 |
| 54 | 2032-03 | 5166.65 | 70.27 | 5096.38 | 30788.54 |
| 55 | 2032-04 | 5166.65 | 60.29 | 5106.36 | 25682.18 |
| 56 | 2032-05 | 5166.65 | 50.29 | 5116.36 | 20565.82 |
| 57 | 2032-06 | 5166.65 | 40.27 | 5126.38 | 15439.45 |
| 58 | 2032-07 | 5166.65 | 30.24 | 5136.42 | 10303.03 |
| 59 | 2032-08 | 5166.65 | 20.18 | 5146.48 | 5156.55 |
| 60 | 2032-09 | 5166.65 | 10.10 | 5156.55 | 0.00 |
等额本金还款方式：
贷款总额：29.22万
还款月数：5年
首月还款：5442.41元
每月递减：9.54元
利息总额：1.75万
本息合计：30.97万
节省利息：335.69元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2027-10 | 5442.41 | 572.24 | 4870.17 | 287339.83 |
| 2 | 2027-11 | 5432.87 | 562.71 | 4870.17 | 282469.67 |
| 3 | 2027-12 | 5423.34 | 553.17 | 4870.17 | 277599.50 |
| 4 | 2028-01 | 5413.80 | 543.63 | 4870.17 | 272729.33 |
| 5 | 2028-02 | 5404.26 | 534.09 | 4870.17 | 267859.17 |
| 6 | 2028-03 | 5394.72 | 524.56 | 4870.17 | 262989.00 |
| 7 | 2028-04 | 5385.19 | 515.02 | 4870.17 | 258118.83 |
| 8 | 2028-05 | 5375.65 | 505.48 | 4870.17 | 253248.67 |
| 9 | 2028-06 | 5366.11 | 495.95 | 4870.17 | 248378.50 |
| 10 | 2028-07 | 5356.57 | 486.41 | 4870.17 | 243508.33 |
| 11 | 2028-08 | 5347.04 | 476.87 | 4870.17 | 238638.17 |
| 12 | 2028-09 | 5337.50 | 467.33 | 4870.17 | 233768.00 |
| 13 | 2028-10 | 5327.96 | 457.80 | 4870.17 | 228897.83 |
| 14 | 2028-11 | 5318.42 | 448.26 | 4870.17 | 224027.67 |
| 15 | 2028-12 | 5308.89 | 438.72 | 4870.17 | 219157.50 |
| 16 | 2029-01 | 5299.35 | 429.18 | 4870.17 | 214287.33 |
| 17 | 2029-02 | 5289.81 | 419.65 | 4870.17 | 209417.17 |
| 18 | 2029-03 | 5280.28 | 410.11 | 4870.17 | 204547.00 |
| 19 | 2029-04 | 5270.74 | 400.57 | 4870.17 | 199676.83 |
| 20 | 2029-05 | 5261.20 | 391.03 | 4870.17 | 194806.67 |
| 21 | 2029-06 | 5251.66 | 381.50 | 4870.17 | 189936.50 |
| 22 | 2029-07 | 5242.13 | 371.96 | 4870.17 | 185066.33 |
| 23 | 2029-08 | 5232.59 | 362.42 | 4870.17 | 180196.17 |
| 24 | 2029-09 | 5223.05 | 352.88 | 4870.17 | 175326.00 |
| 25 | 2029-10 | 5213.51 | 343.35 | 4870.17 | 170455.83 |
| 26 | 2029-11 | 5203.98 | 333.81 | 4870.17 | 165585.67 |
| 27 | 2029-12 | 5194.44 | 324.27 | 4870.17 | 160715.50 |
| 28 | 2030-01 | 5184.90 | 314.73 | 4870.17 | 155845.33 |
| 29 | 2030-02 | 5175.36 | 305.20 | 4870.17 | 150975.17 |
| 30 | 2030-03 | 5165.83 | 295.66 | 4870.17 | 146105.00 |
| 31 | 2030-04 | 5156.29 | 286.12 | 4870.17 | 141234.83 |
| 32 | 2030-05 | 5146.75 | 276.58 | 4870.17 | 136364.67 |
| 33 | 2030-06 | 5137.21 | 267.05 | 4870.17 | 131494.50 |
| 34 | 2030-07 | 5127.68 | 257.51 | 4870.17 | 126624.33 |
| 35 | 2030-08 | 5118.14 | 247.97 | 4870.17 | 121754.17 |
| 36 | 2030-09 | 5108.60 | 238.44 | 4870.17 | 116884.00 |
| 37 | 2030-10 | 5099.06 | 228.90 | 4870.17 | 112013.83 |
| 38 | 2030-11 | 5089.53 | 219.36 | 4870.17 | 107143.67 |
| 39 | 2030-12 | 5079.99 | 209.82 | 4870.17 | 102273.50 |
| 40 | 2031-01 | 5070.45 | 200.29 | 4870.17 | 97403.33 |
| 41 | 2031-02 | 5060.91 | 190.75 | 4870.17 | 92533.17 |
| 42 | 2031-03 | 5051.38 | 181.21 | 4870.17 | 87663.00 |
| 43 | 2031-04 | 5041.84 | 171.67 | 4870.17 | 82792.83 |
| 44 | 2031-05 | 5032.30 | 162.14 | 4870.17 | 77922.67 |
| 45 | 2031-06 | 5022.77 | 152.60 | 4870.17 | 73052.50 |
| 46 | 2031-07 | 5013.23 | 143.06 | 4870.17 | 68182.33 |
| 47 | 2031-08 | 5003.69 | 133.52 | 4870.17 | 63312.17 |
| 48 | 2031-09 | 4994.15 | 123.99 | 4870.17 | 58442.00 |
| 49 | 2031-10 | 4984.62 | 114.45 | 4870.17 | 53571.83 |
| 50 | 2031-11 | 4975.08 | 104.91 | 4870.17 | 48701.67 |
| 51 | 2031-12 | 4965.54 | 95.37 | 4870.17 | 43831.50 |
| 52 | 2032-01 | 4956.00 | 85.84 | 4870.17 | 38961.33 |
| 53 | 2032-02 | 4946.47 | 76.30 | 4870.17 | 34091.17 |
| 54 | 2032-03 | 4936.93 | 66.76 | 4870.17 | 29221.00 |
| 55 | 2032-04 | 4927.39 | 57.22 | 4870.17 | 24350.83 |
| 56 | 2032-05 | 4917.85 | 47.69 | 4870.17 | 19480.67 |
| 57 | 2032-06 | 4908.32 | 38.15 | 4870.17 | 14610.50 |
| 58 | 2032-07 | 4898.78 | 28.61 | 4870.17 | 9740.33 |
| 59 | 2032-08 | 4889.24 | 19.07 | 4870.17 | 4870.17 |
| 60 | 2032-09 | 4879.70 | 9.54 | 4870.17 | 0.00 |