贷款24万（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：24万
还款月数：5年
每月还款：4291.19元
利息总额：1.75万
本息合计：25.75万
| 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 | 4291.19 | 560.00 | 3731.19 | 236268.81 |
| 2 | 2024-10 | 4291.19 | 551.29 | 3739.89 | 232528.92 |
| 3 | 2024-11 | 4291.19 | 542.57 | 3748.62 | 228780.30 |
| 4 | 2024-12 | 4291.19 | 533.82 | 3757.37 | 225022.93 |
| 5 | 2025-01 | 4291.19 | 525.05 | 3766.13 | 221256.79 |
| 6 | 2025-02 | 4291.19 | 516.27 | 3774.92 | 217481.87 |
| 7 | 2025-03 | 4291.19 | 507.46 | 3783.73 | 213698.14 |
| 8 | 2025-04 | 4291.19 | 498.63 | 3792.56 | 209905.58 |
| 9 | 2025-05 | 4291.19 | 489.78 | 3801.41 | 206104.17 |
| 10 | 2025-06 | 4291.19 | 480.91 | 3810.28 | 202293.89 |
| 11 | 2025-07 | 4291.19 | 472.02 | 3819.17 | 198474.72 |
| 12 | 2025-08 | 4291.19 | 463.11 | 3828.08 | 194646.64 |
| 13 | 2025-09 | 4291.19 | 454.18 | 3837.01 | 190809.63 |
| 14 | 2025-10 | 4291.19 | 445.22 | 3845.97 | 186963.66 |
| 15 | 2025-11 | 4291.19 | 436.25 | 3854.94 | 183108.72 |
| 16 | 2025-12 | 4291.19 | 427.25 | 3863.93 | 179244.79 |
| 17 | 2026-01 | 4291.19 | 418.24 | 3872.95 | 175371.84 |
| 18 | 2026-02 | 4291.19 | 409.20 | 3881.99 | 171489.85 |
| 19 | 2026-03 | 4291.19 | 400.14 | 3891.05 | 167598.81 |
| 20 | 2026-04 | 4291.19 | 391.06 | 3900.12 | 163698.68 |
| 21 | 2026-05 | 4291.19 | 381.96 | 3909.22 | 159789.46 |
| 22 | 2026-06 | 4291.19 | 372.84 | 3918.35 | 155871.11 |
| 23 | 2026-07 | 4291.19 | 363.70 | 3927.49 | 151943.62 |
| 24 | 2026-08 | 4291.19 | 354.54 | 3936.65 | 148006.97 |
| 25 | 2026-09 | 4291.19 | 345.35 | 3945.84 | 144061.13 |
| 26 | 2026-10 | 4291.19 | 336.14 | 3955.05 | 140106.08 |
| 27 | 2026-11 | 4291.19 | 326.91 | 3964.27 | 136141.81 |
| 28 | 2026-12 | 4291.19 | 317.66 | 3973.52 | 132168.28 |
| 29 | 2027-01 | 4291.19 | 308.39 | 3982.80 | 128185.49 |
| 30 | 2027-02 | 4291.19 | 299.10 | 3992.09 | 124193.40 |
| 31 | 2027-03 | 4291.19 | 289.78 | 4001.40 | 120192.00 |
| 32 | 2027-04 | 4291.19 | 280.45 | 4010.74 | 116181.26 |
| 33 | 2027-05 | 4291.19 | 271.09 | 4020.10 | 112161.16 |
| 34 | 2027-06 | 4291.19 | 261.71 | 4029.48 | 108131.68 |
| 35 | 2027-07 | 4291.19 | 252.31 | 4038.88 | 104092.80 |
| 36 | 2027-08 | 4291.19 | 242.88 | 4048.31 | 100044.49 |
| 37 | 2027-09 | 4291.19 | 233.44 | 4057.75 | 95986.74 |
| 38 | 2027-10 | 4291.19 | 223.97 | 4067.22 | 91919.52 |
| 39 | 2027-11 | 4291.19 | 214.48 | 4076.71 | 87842.81 |
| 40 | 2027-12 | 4291.19 | 204.97 | 4086.22 | 83756.59 |
| 41 | 2028-01 | 4291.19 | 195.43 | 4095.76 | 79660.83 |
| 42 | 2028-02 | 4291.19 | 185.88 | 4105.31 | 75555.52 |
| 43 | 2028-03 | 4291.19 | 176.30 | 4114.89 | 71440.63 |
| 44 | 2028-04 | 4291.19 | 166.69 | 4124.49 | 67316.13 |
| 45 | 2028-05 | 4291.19 | 157.07 | 4134.12 | 63182.02 |
| 46 | 2028-06 | 4291.19 | 147.42 | 4143.76 | 59038.25 |
| 47 | 2028-07 | 4291.19 | 137.76 | 4153.43 | 54884.82 |
| 48 | 2028-08 | 4291.19 | 128.06 | 4163.12 | 50721.70 |
| 49 | 2028-09 | 4291.19 | 118.35 | 4172.84 | 46548.86 |
| 50 | 2028-10 | 4291.19 | 108.61 | 4182.57 | 42366.28 |
| 51 | 2028-11 | 4291.19 | 98.85 | 4192.33 | 38173.95 |
| 52 | 2028-12 | 4291.19 | 89.07 | 4202.12 | 33971.83 |
| 53 | 2029-01 | 4291.19 | 79.27 | 4211.92 | 29759.91 |
| 54 | 2029-02 | 4291.19 | 69.44 | 4221.75 | 25538.16 |
| 55 | 2029-03 | 4291.19 | 59.59 | 4231.60 | 21306.56 |
| 56 | 2029-04 | 4291.19 | 49.72 | 4241.47 | 17065.09 |
| 57 | 2029-05 | 4291.19 | 39.82 | 4251.37 | 12813.72 |
| 58 | 2029-06 | 4291.19 | 29.90 | 4261.29 | 8552.43 |
| 59 | 2029-07 | 4291.19 | 19.96 | 4271.23 | 4281.20 |
| 60 | 2029-08 | 4291.19 | 9.99 | 4281.20 | 0.00 |
等额本金还款方式：
贷款总额：24万
还款月数：5年
首月还款：4560元
每月递减：9.33元
利息总额：1.71万
本息合计：25.71万
节省利息：391.31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 | 4560.00 | 560.00 | 4000.00 | 236000.00 |
| 2 | 2024-10 | 4550.67 | 550.67 | 4000.00 | 232000.00 |
| 3 | 2024-11 | 4541.33 | 541.33 | 4000.00 | 228000.00 |
| 4 | 2024-12 | 4532.00 | 532.00 | 4000.00 | 224000.00 |
| 5 | 2025-01 | 4522.67 | 522.67 | 4000.00 | 220000.00 |
| 6 | 2025-02 | 4513.33 | 513.33 | 4000.00 | 216000.00 |
| 7 | 2025-03 | 4504.00 | 504.00 | 4000.00 | 212000.00 |
| 8 | 2025-04 | 4494.67 | 494.67 | 4000.00 | 208000.00 |
| 9 | 2025-05 | 4485.33 | 485.33 | 4000.00 | 204000.00 |
| 10 | 2025-06 | 4476.00 | 476.00 | 4000.00 | 200000.00 |
| 11 | 2025-07 | 4466.67 | 466.67 | 4000.00 | 196000.00 |
| 12 | 2025-08 | 4457.33 | 457.33 | 4000.00 | 192000.00 |
| 13 | 2025-09 | 4448.00 | 448.00 | 4000.00 | 188000.00 |
| 14 | 2025-10 | 4438.67 | 438.67 | 4000.00 | 184000.00 |
| 15 | 2025-11 | 4429.33 | 429.33 | 4000.00 | 180000.00 |
| 16 | 2025-12 | 4420.00 | 420.00 | 4000.00 | 176000.00 |
| 17 | 2026-01 | 4410.67 | 410.67 | 4000.00 | 172000.00 |
| 18 | 2026-02 | 4401.33 | 401.33 | 4000.00 | 168000.00 |
| 19 | 2026-03 | 4392.00 | 392.00 | 4000.00 | 164000.00 |
| 20 | 2026-04 | 4382.67 | 382.67 | 4000.00 | 160000.00 |
| 21 | 2026-05 | 4373.33 | 373.33 | 4000.00 | 156000.00 |
| 22 | 2026-06 | 4364.00 | 364.00 | 4000.00 | 152000.00 |
| 23 | 2026-07 | 4354.67 | 354.67 | 4000.00 | 148000.00 |
| 24 | 2026-08 | 4345.33 | 345.33 | 4000.00 | 144000.00 |
| 25 | 2026-09 | 4336.00 | 336.00 | 4000.00 | 140000.00 |
| 26 | 2026-10 | 4326.67 | 326.67 | 4000.00 | 136000.00 |
| 27 | 2026-11 | 4317.33 | 317.33 | 4000.00 | 132000.00 |
| 28 | 2026-12 | 4308.00 | 308.00 | 4000.00 | 128000.00 |
| 29 | 2027-01 | 4298.67 | 298.67 | 4000.00 | 124000.00 |
| 30 | 2027-02 | 4289.33 | 289.33 | 4000.00 | 120000.00 |
| 31 | 2027-03 | 4280.00 | 280.00 | 4000.00 | 116000.00 |
| 32 | 2027-04 | 4270.67 | 270.67 | 4000.00 | 112000.00 |
| 33 | 2027-05 | 4261.33 | 261.33 | 4000.00 | 108000.00 |
| 34 | 2027-06 | 4252.00 | 252.00 | 4000.00 | 104000.00 |
| 35 | 2027-07 | 4242.67 | 242.67 | 4000.00 | 100000.00 |
| 36 | 2027-08 | 4233.33 | 233.33 | 4000.00 | 96000.00 |
| 37 | 2027-09 | 4224.00 | 224.00 | 4000.00 | 92000.00 |
| 38 | 2027-10 | 4214.67 | 214.67 | 4000.00 | 88000.00 |
| 39 | 2027-11 | 4205.33 | 205.33 | 4000.00 | 84000.00 |
| 40 | 2027-12 | 4196.00 | 196.00 | 4000.00 | 80000.00 |
| 41 | 2028-01 | 4186.67 | 186.67 | 4000.00 | 76000.00 |
| 42 | 2028-02 | 4177.33 | 177.33 | 4000.00 | 72000.00 |
| 43 | 2028-03 | 4168.00 | 168.00 | 4000.00 | 68000.00 |
| 44 | 2028-04 | 4158.67 | 158.67 | 4000.00 | 64000.00 |
| 45 | 2028-05 | 4149.33 | 149.33 | 4000.00 | 60000.00 |
| 46 | 2028-06 | 4140.00 | 140.00 | 4000.00 | 56000.00 |
| 47 | 2028-07 | 4130.67 | 130.67 | 4000.00 | 52000.00 |
| 48 | 2028-08 | 4121.33 | 121.33 | 4000.00 | 48000.00 |
| 49 | 2028-09 | 4112.00 | 112.00 | 4000.00 | 44000.00 |
| 50 | 2028-10 | 4102.67 | 102.67 | 4000.00 | 40000.00 |
| 51 | 2028-11 | 4093.33 | 93.33 | 4000.00 | 36000.00 |
| 52 | 2028-12 | 4084.00 | 84.00 | 4000.00 | 32000.00 |
| 53 | 2029-01 | 4074.67 | 74.67 | 4000.00 | 28000.00 |
| 54 | 2029-02 | 4065.33 | 65.33 | 4000.00 | 24000.00 |
| 55 | 2029-03 | 4056.00 | 56.00 | 4000.00 | 20000.00 |
| 56 | 2029-04 | 4046.67 | 46.67 | 4000.00 | 16000.00 |
| 57 | 2029-05 | 4037.33 | 37.33 | 4000.00 | 12000.00 |
| 58 | 2029-06 | 4028.00 | 28.00 | 4000.00 | 8000.00 |
| 59 | 2029-07 | 4018.67 | 18.67 | 4000.00 | 4000.00 |
| 60 | 2029-08 | 4009.33 | 9.33 | 4000.00 | 0.00 |