上海贷款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：6328元
利息总额：2.97万
本息合计：37.97万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 6328.00 | 947.92 | 5380.08 | 344619.92 |
| 2 | 2025-08 | 6328.00 | 933.35 | 5394.66 | 339225.26 |
| 3 | 2025-09 | 6328.00 | 918.74 | 5409.27 | 333815.99 |
| 4 | 2025-10 | 6328.00 | 904.08 | 5423.92 | 328392.08 |
| 5 | 2025-11 | 6328.00 | 889.40 | 5438.61 | 322953.47 |
| 6 | 2025-12 | 6328.00 | 874.67 | 5453.34 | 317500.14 |
| 7 | 2026-01 | 6328.00 | 859.90 | 5468.10 | 312032.03 |
| 8 | 2026-02 | 6328.00 | 845.09 | 5482.91 | 306549.12 |
| 9 | 2026-03 | 6328.00 | 830.24 | 5497.76 | 301051.36 |
| 10 | 2026-04 | 6328.00 | 815.35 | 5512.65 | 295538.70 |
| 11 | 2026-05 | 6328.00 | 800.42 | 5527.58 | 290011.12 |
| 12 | 2026-06 | 6328.00 | 785.45 | 5542.55 | 284468.57 |
| 13 | 2026-07 | 6328.00 | 770.44 | 5557.57 | 278911.00 |
| 14 | 2026-08 | 6328.00 | 755.38 | 5572.62 | 273338.38 |
| 15 | 2026-09 | 6328.00 | 740.29 | 5587.71 | 267750.67 |
| 16 | 2026-10 | 6328.00 | 725.16 | 5602.84 | 262147.83 |
| 17 | 2026-11 | 6328.00 | 709.98 | 5618.02 | 256529.81 |
| 18 | 2026-12 | 6328.00 | 694.77 | 5633.23 | 250896.58 |
| 19 | 2027-01 | 6328.00 | 679.51 | 5648.49 | 245248.09 |
| 20 | 2027-02 | 6328.00 | 664.21 | 5663.79 | 239584.31 |
| 21 | 2027-03 | 6328.00 | 648.87 | 5679.13 | 233905.18 |
| 22 | 2027-04 | 6328.00 | 633.49 | 5694.51 | 228210.67 |
| 23 | 2027-05 | 6328.00 | 618.07 | 5709.93 | 222500.74 |
| 24 | 2027-06 | 6328.00 | 602.61 | 5725.39 | 216775.35 |
| 25 | 2027-07 | 6328.00 | 587.10 | 5740.90 | 211034.44 |
| 26 | 2027-08 | 6328.00 | 571.55 | 5756.45 | 205278.00 |
| 27 | 2027-09 | 6328.00 | 555.96 | 5772.04 | 199505.96 |
| 28 | 2027-10 | 6328.00 | 540.33 | 5787.67 | 193718.28 |
| 29 | 2027-11 | 6328.00 | 524.65 | 5803.35 | 187914.94 |
| 30 | 2027-12 | 6328.00 | 508.94 | 5819.06 | 182095.87 |
| 31 | 2028-01 | 6328.00 | 493.18 | 5834.82 | 176261.05 |
| 32 | 2028-02 | 6328.00 | 477.37 | 5850.63 | 170410.42 |
| 33 | 2028-03 | 6328.00 | 461.53 | 5866.47 | 164543.95 |
| 34 | 2028-04 | 6328.00 | 445.64 | 5882.36 | 158661.59 |
| 35 | 2028-05 | 6328.00 | 429.71 | 5898.29 | 152763.29 |
| 36 | 2028-06 | 6328.00 | 413.73 | 5914.27 | 146849.03 |
| 37 | 2028-07 | 6328.00 | 397.72 | 5930.28 | 140918.74 |
| 38 | 2028-08 | 6328.00 | 381.65 | 5946.35 | 134972.40 |
| 39 | 2028-09 | 6328.00 | 365.55 | 5962.45 | 129009.95 |
| 40 | 2028-10 | 6328.00 | 349.40 | 5978.60 | 123031.35 |
| 41 | 2028-11 | 6328.00 | 333.21 | 5994.79 | 117036.56 |
| 42 | 2028-12 | 6328.00 | 316.97 | 6011.03 | 111025.53 |
| 43 | 2029-01 | 6328.00 | 300.69 | 6027.31 | 104998.22 |
| 44 | 2029-02 | 6328.00 | 284.37 | 6043.63 | 98954.59 |
| 45 | 2029-03 | 6328.00 | 268.00 | 6060.00 | 92894.59 |
| 46 | 2029-04 | 6328.00 | 251.59 | 6076.41 | 86818.18 |
| 47 | 2029-05 | 6328.00 | 235.13 | 6092.87 | 80725.31 |
| 48 | 2029-06 | 6328.00 | 218.63 | 6109.37 | 74615.94 |
| 49 | 2029-07 | 6328.00 | 202.08 | 6125.92 | 68490.03 |
| 50 | 2029-08 | 6328.00 | 185.49 | 6142.51 | 62347.52 |
| 51 | 2029-09 | 6328.00 | 168.86 | 6159.14 | 56188.38 |
| 52 | 2029-10 | 6328.00 | 152.18 | 6175.82 | 50012.56 |
| 53 | 2029-11 | 6328.00 | 135.45 | 6192.55 | 43820.00 |
| 54 | 2029-12 | 6328.00 | 118.68 | 6209.32 | 37610.68 |
| 55 | 2030-01 | 6328.00 | 101.86 | 6226.14 | 31384.54 |
| 56 | 2030-02 | 6328.00 | 85.00 | 6243.00 | 25141.54 |
| 57 | 2030-03 | 6328.00 | 68.09 | 6259.91 | 18881.63 |
| 58 | 2030-04 | 6328.00 | 51.14 | 6276.86 | 12604.77 |
| 59 | 2030-05 | 6328.00 | 34.14 | 6293.86 | 6310.91 |
| 60 | 2030-06 | 6328.00 | 17.09 | 6310.91 | 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：6781.25元
每月递减：15.8元
利息总额：2.89万
本息合计：37.89万
节省利息：768.59元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 6781.25 | 947.92 | 5833.33 | 344166.67 |
| 2 | 2025-08 | 6765.45 | 932.12 | 5833.33 | 338333.33 |
| 3 | 2025-09 | 6749.65 | 916.32 | 5833.33 | 332500.00 |
| 4 | 2025-10 | 6733.85 | 900.52 | 5833.33 | 326666.67 |
| 5 | 2025-11 | 6718.06 | 884.72 | 5833.33 | 320833.33 |
| 6 | 2025-12 | 6702.26 | 868.92 | 5833.33 | 315000.00 |
| 7 | 2026-01 | 6686.46 | 853.13 | 5833.33 | 309166.67 |
| 8 | 2026-02 | 6670.66 | 837.33 | 5833.33 | 303333.33 |
| 9 | 2026-03 | 6654.86 | 821.53 | 5833.33 | 297500.00 |
| 10 | 2026-04 | 6639.06 | 805.73 | 5833.33 | 291666.67 |
| 11 | 2026-05 | 6623.26 | 789.93 | 5833.33 | 285833.33 |
| 12 | 2026-06 | 6607.47 | 774.13 | 5833.33 | 280000.00 |
| 13 | 2026-07 | 6591.67 | 758.33 | 5833.33 | 274166.67 |
| 14 | 2026-08 | 6575.87 | 742.53 | 5833.33 | 268333.33 |
| 15 | 2026-09 | 6560.07 | 726.74 | 5833.33 | 262500.00 |
| 16 | 2026-10 | 6544.27 | 710.94 | 5833.33 | 256666.67 |
| 17 | 2026-11 | 6528.47 | 695.14 | 5833.33 | 250833.33 |
| 18 | 2026-12 | 6512.67 | 679.34 | 5833.33 | 245000.00 |
| 19 | 2027-01 | 6496.88 | 663.54 | 5833.33 | 239166.67 |
| 20 | 2027-02 | 6481.08 | 647.74 | 5833.33 | 233333.33 |
| 21 | 2027-03 | 6465.28 | 631.94 | 5833.33 | 227500.00 |
| 22 | 2027-04 | 6449.48 | 616.15 | 5833.33 | 221666.67 |
| 23 | 2027-05 | 6433.68 | 600.35 | 5833.33 | 215833.33 |
| 24 | 2027-06 | 6417.88 | 584.55 | 5833.33 | 210000.00 |
| 25 | 2027-07 | 6402.08 | 568.75 | 5833.33 | 204166.67 |
| 26 | 2027-08 | 6386.28 | 552.95 | 5833.33 | 198333.33 |
| 27 | 2027-09 | 6370.49 | 537.15 | 5833.33 | 192500.00 |
| 28 | 2027-10 | 6354.69 | 521.35 | 5833.33 | 186666.67 |
| 29 | 2027-11 | 6338.89 | 505.56 | 5833.33 | 180833.33 |
| 30 | 2027-12 | 6323.09 | 489.76 | 5833.33 | 175000.00 |
| 31 | 2028-01 | 6307.29 | 473.96 | 5833.33 | 169166.67 |
| 32 | 2028-02 | 6291.49 | 458.16 | 5833.33 | 163333.33 |
| 33 | 2028-03 | 6275.69 | 442.36 | 5833.33 | 157500.00 |
| 34 | 2028-04 | 6259.90 | 426.56 | 5833.33 | 151666.67 |
| 35 | 2028-05 | 6244.10 | 410.76 | 5833.33 | 145833.33 |
| 36 | 2028-06 | 6228.30 | 394.97 | 5833.33 | 140000.00 |
| 37 | 2028-07 | 6212.50 | 379.17 | 5833.33 | 134166.67 |
| 38 | 2028-08 | 6196.70 | 363.37 | 5833.33 | 128333.33 |
| 39 | 2028-09 | 6180.90 | 347.57 | 5833.33 | 122500.00 |
| 40 | 2028-10 | 6165.10 | 331.77 | 5833.33 | 116666.67 |
| 41 | 2028-11 | 6149.31 | 315.97 | 5833.33 | 110833.33 |
| 42 | 2028-12 | 6133.51 | 300.17 | 5833.33 | 105000.00 |
| 43 | 2029-01 | 6117.71 | 284.38 | 5833.33 | 99166.67 |
| 44 | 2029-02 | 6101.91 | 268.58 | 5833.33 | 93333.33 |
| 45 | 2029-03 | 6086.11 | 252.78 | 5833.33 | 87500.00 |
| 46 | 2029-04 | 6070.31 | 236.98 | 5833.33 | 81666.67 |
| 47 | 2029-05 | 6054.51 | 221.18 | 5833.33 | 75833.33 |
| 48 | 2029-06 | 6038.72 | 205.38 | 5833.33 | 70000.00 |
| 49 | 2029-07 | 6022.92 | 189.58 | 5833.33 | 64166.67 |
| 50 | 2029-08 | 6007.12 | 173.78 | 5833.33 | 58333.33 |
| 51 | 2029-09 | 5991.32 | 157.99 | 5833.33 | 52500.00 |
| 52 | 2029-10 | 5975.52 | 142.19 | 5833.33 | 46666.67 |
| 53 | 2029-11 | 5959.72 | 126.39 | 5833.33 | 40833.33 |
| 54 | 2029-12 | 5943.92 | 110.59 | 5833.33 | 35000.00 |
| 55 | 2030-01 | 5928.13 | 94.79 | 5833.33 | 29166.67 |
| 56 | 2030-02 | 5912.33 | 78.99 | 5833.33 | 23333.33 |
| 57 | 2030-03 | 5896.53 | 63.19 | 5833.33 | 17500.00 |
| 58 | 2030-04 | 5880.73 | 47.40 | 5833.33 | 11666.67 |
| 59 | 2030-05 | 5864.93 | 31.60 | 5833.33 | 5833.33 |
| 60 | 2030-06 | 5849.13 | 15.80 | 5833.33 | 0.00 |