贷款32.6万（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：32.6万
还款月数：5年
每月还款：5764.1元
利息总额：1.98万
本息合计：34.58万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 5764.10 | 638.42 | 5125.69 | 320874.31 |
| 2 | 2024-10 | 5764.10 | 628.38 | 5135.72 | 315738.59 |
| 3 | 2024-11 | 5764.10 | 618.32 | 5145.78 | 310592.81 |
| 4 | 2024-12 | 5764.10 | 608.24 | 5155.86 | 305436.95 |
| 5 | 2025-01 | 5764.10 | 598.15 | 5165.96 | 300270.99 |
| 6 | 2025-02 | 5764.10 | 588.03 | 5176.07 | 295094.92 |
| 7 | 2025-03 | 5764.10 | 577.89 | 5186.21 | 289908.71 |
| 8 | 2025-04 | 5764.10 | 567.74 | 5196.37 | 284712.34 |
| 9 | 2025-05 | 5764.10 | 557.56 | 5206.54 | 279505.80 |
| 10 | 2025-06 | 5764.10 | 547.37 | 5216.74 | 274289.06 |
| 11 | 2025-07 | 5764.10 | 537.15 | 5226.95 | 269062.11 |
| 12 | 2025-08 | 5764.10 | 526.91 | 5237.19 | 263824.92 |
| 13 | 2025-09 | 5764.10 | 516.66 | 5247.45 | 258577.47 |
| 14 | 2025-10 | 5764.10 | 506.38 | 5257.72 | 253319.75 |
| 15 | 2025-11 | 5764.10 | 496.08 | 5268.02 | 248051.73 |
| 16 | 2025-12 | 5764.10 | 485.77 | 5278.34 | 242773.39 |
| 17 | 2026-01 | 5764.10 | 475.43 | 5288.67 | 237484.72 |
| 18 | 2026-02 | 5764.10 | 465.07 | 5299.03 | 232185.69 |
| 19 | 2026-03 | 5764.10 | 454.70 | 5309.41 | 226876.28 |
| 20 | 2026-04 | 5764.10 | 444.30 | 5319.80 | 221556.48 |
| 21 | 2026-05 | 5764.10 | 433.88 | 5330.22 | 216226.26 |
| 22 | 2026-06 | 5764.10 | 423.44 | 5340.66 | 210885.60 |
| 23 | 2026-07 | 5764.10 | 412.98 | 5351.12 | 205534.48 |
| 24 | 2026-08 | 5764.10 | 402.51 | 5361.60 | 200172.88 |
| 25 | 2026-09 | 5764.10 | 392.01 | 5372.10 | 194800.78 |
| 26 | 2026-10 | 5764.10 | 381.48 | 5382.62 | 189418.16 |
| 27 | 2026-11 | 5764.10 | 370.94 | 5393.16 | 184025.00 |
| 28 | 2026-12 | 5764.10 | 360.38 | 5403.72 | 178621.28 |
| 29 | 2027-01 | 5764.10 | 349.80 | 5414.30 | 173206.98 |
| 30 | 2027-02 | 5764.10 | 339.20 | 5424.91 | 167782.07 |
| 31 | 2027-03 | 5764.10 | 328.57 | 5435.53 | 162346.54 |
| 32 | 2027-04 | 5764.10 | 317.93 | 5446.18 | 156900.36 |
| 33 | 2027-05 | 5764.10 | 307.26 | 5456.84 | 151443.52 |
| 34 | 2027-06 | 5764.10 | 296.58 | 5467.53 | 145976.00 |
| 35 | 2027-07 | 5764.10 | 285.87 | 5478.23 | 140497.76 |
| 36 | 2027-08 | 5764.10 | 275.14 | 5488.96 | 135008.80 |
| 37 | 2027-09 | 5764.10 | 264.39 | 5499.71 | 129509.09 |
| 38 | 2027-10 | 5764.10 | 253.62 | 5510.48 | 123998.61 |
| 39 | 2027-11 | 5764.10 | 242.83 | 5521.27 | 118477.33 |
| 40 | 2027-12 | 5764.10 | 232.02 | 5532.09 | 112945.25 |
| 41 | 2028-01 | 5764.10 | 221.18 | 5542.92 | 107402.33 |
| 42 | 2028-02 | 5764.10 | 210.33 | 5553.77 | 101848.56 |
| 43 | 2028-03 | 5764.10 | 199.45 | 5564.65 | 96283.91 |
| 44 | 2028-04 | 5764.10 | 188.56 | 5575.55 | 90708.36 |
| 45 | 2028-05 | 5764.10 | 177.64 | 5586.47 | 85121.89 |
| 46 | 2028-06 | 5764.10 | 166.70 | 5597.41 | 79524.48 |
| 47 | 2028-07 | 5764.10 | 155.74 | 5608.37 | 73916.12 |
| 48 | 2028-08 | 5764.10 | 144.75 | 5619.35 | 68296.77 |
| 49 | 2028-09 | 5764.10 | 133.75 | 5630.36 | 62666.41 |
| 50 | 2028-10 | 5764.10 | 122.72 | 5641.38 | 57025.03 |
| 51 | 2028-11 | 5764.10 | 111.67 | 5652.43 | 51372.60 |
| 52 | 2028-12 | 5764.10 | 100.60 | 5663.50 | 45709.10 |
| 53 | 2029-01 | 5764.10 | 89.51 | 5674.59 | 40034.51 |
| 54 | 2029-02 | 5764.10 | 78.40 | 5685.70 | 34348.81 |
| 55 | 2029-03 | 5764.10 | 67.27 | 5696.84 | 28651.97 |
| 56 | 2029-04 | 5764.10 | 56.11 | 5707.99 | 22943.97 |
| 57 | 2029-05 | 5764.10 | 44.93 | 5719.17 | 17224.80 |
| 58 | 2029-06 | 5764.10 | 33.73 | 5730.37 | 11494.43 |
| 59 | 2029-07 | 5764.10 | 22.51 | 5741.59 | 5752.84 |
| 60 | 2029-08 | 5764.10 | 11.27 | 5752.84 | 0.00 |
等额本金还款方式：
贷款总额：32.6万
还款月数：5年
首月还款：6071.75元
每月递减：10.64元
利息总额：1.95万
本息合计：34.55万
节省利息：374.51元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 6071.75 | 638.42 | 5433.33 | 320566.67 |
| 2 | 2024-10 | 6061.11 | 627.78 | 5433.33 | 315133.33 |
| 3 | 2024-11 | 6050.47 | 617.14 | 5433.33 | 309700.00 |
| 4 | 2024-12 | 6039.83 | 606.50 | 5433.33 | 304266.67 |
| 5 | 2025-01 | 6029.19 | 595.86 | 5433.33 | 298833.33 |
| 6 | 2025-02 | 6018.55 | 585.22 | 5433.33 | 293400.00 |
| 7 | 2025-03 | 6007.91 | 574.57 | 5433.33 | 287966.67 |
| 8 | 2025-04 | 5997.27 | 563.93 | 5433.33 | 282533.33 |
| 9 | 2025-05 | 5986.63 | 553.29 | 5433.33 | 277100.00 |
| 10 | 2025-06 | 5975.99 | 542.65 | 5433.33 | 271666.67 |
| 11 | 2025-07 | 5965.35 | 532.01 | 5433.33 | 266233.33 |
| 12 | 2025-08 | 5954.71 | 521.37 | 5433.33 | 260800.00 |
| 13 | 2025-09 | 5944.07 | 510.73 | 5433.33 | 255366.67 |
| 14 | 2025-10 | 5933.43 | 500.09 | 5433.33 | 249933.33 |
| 15 | 2025-11 | 5922.79 | 489.45 | 5433.33 | 244500.00 |
| 16 | 2025-12 | 5912.15 | 478.81 | 5433.33 | 239066.67 |
| 17 | 2026-01 | 5901.51 | 468.17 | 5433.33 | 233633.33 |
| 18 | 2026-02 | 5890.87 | 457.53 | 5433.33 | 228200.00 |
| 19 | 2026-03 | 5880.22 | 446.89 | 5433.33 | 222766.67 |
| 20 | 2026-04 | 5869.58 | 436.25 | 5433.33 | 217333.33 |
| 21 | 2026-05 | 5858.94 | 425.61 | 5433.33 | 211900.00 |
| 22 | 2026-06 | 5848.30 | 414.97 | 5433.33 | 206466.67 |
| 23 | 2026-07 | 5837.66 | 404.33 | 5433.33 | 201033.33 |
| 24 | 2026-08 | 5827.02 | 393.69 | 5433.33 | 195600.00 |
| 25 | 2026-09 | 5816.38 | 383.05 | 5433.33 | 190166.67 |
| 26 | 2026-10 | 5805.74 | 372.41 | 5433.33 | 184733.33 |
| 27 | 2026-11 | 5795.10 | 361.77 | 5433.33 | 179300.00 |
| 28 | 2026-12 | 5784.46 | 351.13 | 5433.33 | 173866.67 |
| 29 | 2027-01 | 5773.82 | 340.49 | 5433.33 | 168433.33 |
| 30 | 2027-02 | 5763.18 | 329.85 | 5433.33 | 163000.00 |
| 31 | 2027-03 | 5752.54 | 319.21 | 5433.33 | 157566.67 |
| 32 | 2027-04 | 5741.90 | 308.57 | 5433.33 | 152133.33 |
| 33 | 2027-05 | 5731.26 | 297.93 | 5433.33 | 146700.00 |
| 34 | 2027-06 | 5720.62 | 287.29 | 5433.33 | 141266.67 |
| 35 | 2027-07 | 5709.98 | 276.65 | 5433.33 | 135833.33 |
| 36 | 2027-08 | 5699.34 | 266.01 | 5433.33 | 130400.00 |
| 37 | 2027-09 | 5688.70 | 255.37 | 5433.33 | 124966.67 |
| 38 | 2027-10 | 5678.06 | 244.73 | 5433.33 | 119533.33 |
| 39 | 2027-11 | 5667.42 | 234.09 | 5433.33 | 114100.00 |
| 40 | 2027-12 | 5656.78 | 223.45 | 5433.33 | 108666.67 |
| 41 | 2028-01 | 5646.14 | 212.81 | 5433.33 | 103233.33 |
| 42 | 2028-02 | 5635.50 | 202.17 | 5433.33 | 97800.00 |
| 43 | 2028-03 | 5624.86 | 191.52 | 5433.33 | 92366.67 |
| 44 | 2028-04 | 5614.22 | 180.88 | 5433.33 | 86933.33 |
| 45 | 2028-05 | 5603.58 | 170.24 | 5433.33 | 81500.00 |
| 46 | 2028-06 | 5592.94 | 159.60 | 5433.33 | 76066.67 |
| 47 | 2028-07 | 5582.30 | 148.96 | 5433.33 | 70633.33 |
| 48 | 2028-08 | 5571.66 | 138.32 | 5433.33 | 65200.00 |
| 49 | 2028-09 | 5561.02 | 127.68 | 5433.33 | 59766.67 |
| 50 | 2028-10 | 5550.38 | 117.04 | 5433.33 | 54333.33 |
| 51 | 2028-11 | 5539.74 | 106.40 | 5433.33 | 48900.00 |
| 52 | 2028-12 | 5529.10 | 95.76 | 5433.33 | 43466.67 |
| 53 | 2029-01 | 5518.46 | 85.12 | 5433.33 | 38033.33 |
| 54 | 2029-02 | 5507.82 | 74.48 | 5433.33 | 32600.00 |
| 55 | 2029-03 | 5497.17 | 63.84 | 5433.33 | 27166.67 |
| 56 | 2029-04 | 5486.53 | 53.20 | 5433.33 | 21733.33 |
| 57 | 2029-05 | 5475.89 | 42.56 | 5433.33 | 16300.00 |
| 58 | 2029-06 | 5465.25 | 31.92 | 5433.33 | 10866.67 |
| 59 | 2029-07 | 5454.61 | 21.28 | 5433.33 | 5433.33 |
| 60 | 2029-08 | 5443.97 | 10.64 | 5433.33 | 0.00 |