贷款16.93万（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：16.93万
还款月数：5年
每月还款：3030.55元
利息总额：1.25万
本息合计：18.18万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 3030.55 | 402.05 | 2628.50 | 166655.75 |
| 2 | 2026-03 | 3030.55 | 395.81 | 2634.74 | 164021.02 |
| 3 | 2026-04 | 3030.55 | 389.55 | 2641.00 | 161380.02 |
| 4 | 2026-05 | 3030.55 | 383.28 | 2647.27 | 158732.75 |
| 5 | 2026-06 | 3030.55 | 376.99 | 2653.56 | 156079.20 |
| 6 | 2026-07 | 3030.55 | 370.69 | 2659.86 | 153419.34 |
| 7 | 2026-08 | 3030.55 | 364.37 | 2666.17 | 150753.17 |
| 8 | 2026-09 | 3030.55 | 358.04 | 2672.51 | 148080.66 |
| 9 | 2026-10 | 3030.55 | 351.69 | 2678.85 | 145401.81 |
| 10 | 2026-11 | 3030.55 | 345.33 | 2685.22 | 142716.59 |
| 11 | 2026-12 | 3030.55 | 338.95 | 2691.59 | 140025.00 |
| 12 | 2027-01 | 3030.55 | 332.56 | 2697.99 | 137327.01 |
| 13 | 2027-02 | 3030.55 | 326.15 | 2704.39 | 134622.62 |
| 14 | 2027-03 | 3030.55 | 319.73 | 2710.82 | 131911.80 |
| 15 | 2027-04 | 3030.55 | 313.29 | 2717.25 | 129194.55 |
| 16 | 2027-05 | 3030.55 | 306.84 | 2723.71 | 126470.84 |
| 17 | 2027-06 | 3030.55 | 300.37 | 2730.18 | 123740.66 |
| 18 | 2027-07 | 3030.55 | 293.88 | 2736.66 | 121004.00 |
| 19 | 2027-08 | 3030.55 | 287.38 | 2743.16 | 118260.84 |
| 20 | 2027-09 | 3030.55 | 280.87 | 2749.68 | 115511.16 |
| 21 | 2027-10 | 3030.55 | 274.34 | 2756.21 | 112754.96 |
| 22 | 2027-11 | 3030.55 | 267.79 | 2762.75 | 109992.20 |
| 23 | 2027-12 | 3030.55 | 261.23 | 2769.31 | 107222.89 |
| 24 | 2028-01 | 3030.55 | 254.65 | 2775.89 | 104447.00 |
| 25 | 2028-02 | 3030.55 | 248.06 | 2782.48 | 101664.51 |
| 26 | 2028-03 | 3030.55 | 241.45 | 2789.09 | 98875.42 |
| 27 | 2028-04 | 3030.55 | 234.83 | 2795.72 | 96079.71 |
| 28 | 2028-05 | 3030.55 | 228.19 | 2802.36 | 93277.35 |
| 29 | 2028-06 | 3030.55 | 221.53 | 2809.01 | 90468.34 |
| 30 | 2028-07 | 3030.55 | 214.86 | 2815.68 | 87652.66 |
| 31 | 2028-08 | 3030.55 | 208.18 | 2822.37 | 84830.28 |
| 32 | 2028-09 | 3030.55 | 201.47 | 2829.07 | 82001.21 |
| 33 | 2028-10 | 3030.55 | 194.75 | 2835.79 | 79165.42 |
| 34 | 2028-11 | 3030.55 | 188.02 | 2842.53 | 76322.89 |
| 35 | 2028-12 | 3030.55 | 181.27 | 2849.28 | 73473.61 |
| 36 | 2029-01 | 3030.55 | 174.50 | 2856.05 | 70617.57 |
| 37 | 2029-02 | 3030.55 | 167.72 | 2862.83 | 67754.74 |
| 38 | 2029-03 | 3030.55 | 160.92 | 2869.63 | 64885.11 |
| 39 | 2029-04 | 3030.55 | 154.10 | 2876.44 | 62008.67 |
| 40 | 2029-05 | 3030.55 | 147.27 | 2883.27 | 59125.39 |
| 41 | 2029-06 | 3030.55 | 140.42 | 2890.12 | 56235.27 |
| 42 | 2029-07 | 3030.55 | 133.56 | 2896.99 | 53338.28 |
| 43 | 2029-08 | 3030.55 | 126.68 | 2903.87 | 50434.42 |
| 44 | 2029-09 | 3030.55 | 119.78 | 2910.76 | 47523.65 |
| 45 | 2029-10 | 3030.55 | 112.87 | 2917.68 | 44605.98 |
| 46 | 2029-11 | 3030.55 | 105.94 | 2924.61 | 41681.37 |
| 47 | 2029-12 | 3030.55 | 98.99 | 2931.55 | 38749.82 |
| 48 | 2030-01 | 3030.55 | 92.03 | 2938.51 | 35811.30 |
| 49 | 2030-02 | 3030.55 | 85.05 | 2945.49 | 32865.81 |
| 50 | 2030-03 | 3030.55 | 78.06 | 2952.49 | 29913.32 |
| 51 | 2030-04 | 3030.55 | 71.04 | 2959.50 | 26953.82 |
| 52 | 2030-05 | 3030.55 | 64.02 | 2966.53 | 23987.29 |
| 53 | 2030-06 | 3030.55 | 56.97 | 2973.58 | 21013.71 |
| 54 | 2030-07 | 3030.55 | 49.91 | 2980.64 | 18033.08 |
| 55 | 2030-08 | 3030.55 | 42.83 | 2987.72 | 15045.36 |
| 56 | 2030-09 | 3030.55 | 35.73 | 2994.81 | 12050.55 |
| 57 | 2030-10 | 3030.55 | 28.62 | 3001.93 | 9048.62 |
| 58 | 2030-11 | 3030.55 | 21.49 | 3009.05 | 6039.57 |
| 59 | 2030-12 | 3030.55 | 14.34 | 3016.20 | 3023.36 |
| 60 | 2031-01 | 3030.55 | 7.18 | 3023.36 | 0.00 |
等额本金还款方式：
贷款总额：16.93万
还款月数：5年
首月还款：3223.45元
每月递减：6.7元
利息总额：1.23万
本息合计：18.15万
节省利息：285.95元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 3223.45 | 402.05 | 2821.40 | 166462.85 |
| 2 | 2026-03 | 3216.75 | 395.35 | 2821.40 | 163641.44 |
| 3 | 2026-04 | 3210.05 | 388.65 | 2821.40 | 160820.04 |
| 4 | 2026-05 | 3203.35 | 381.95 | 2821.40 | 157998.63 |
| 5 | 2026-06 | 3196.65 | 375.25 | 2821.40 | 155177.23 |
| 6 | 2026-07 | 3189.95 | 368.55 | 2821.40 | 152355.83 |
| 7 | 2026-08 | 3183.25 | 361.85 | 2821.40 | 149534.42 |
| 8 | 2026-09 | 3176.55 | 355.14 | 2821.40 | 146713.02 |
| 9 | 2026-10 | 3169.85 | 348.44 | 2821.40 | 143891.61 |
| 10 | 2026-11 | 3163.15 | 341.74 | 2821.40 | 141070.21 |
| 11 | 2026-12 | 3156.45 | 335.04 | 2821.40 | 138248.80 |
| 12 | 2027-01 | 3149.75 | 328.34 | 2821.40 | 135427.40 |
| 13 | 2027-02 | 3143.04 | 321.64 | 2821.40 | 132606.00 |
| 14 | 2027-03 | 3136.34 | 314.94 | 2821.40 | 129784.59 |
| 15 | 2027-04 | 3129.64 | 308.24 | 2821.40 | 126963.19 |
| 16 | 2027-05 | 3122.94 | 301.54 | 2821.40 | 124141.78 |
| 17 | 2027-06 | 3116.24 | 294.84 | 2821.40 | 121320.38 |
| 18 | 2027-07 | 3109.54 | 288.14 | 2821.40 | 118498.98 |
| 19 | 2027-08 | 3102.84 | 281.44 | 2821.40 | 115677.57 |
| 20 | 2027-09 | 3096.14 | 274.73 | 2821.40 | 112856.17 |
| 21 | 2027-10 | 3089.44 | 268.03 | 2821.40 | 110034.76 |
| 22 | 2027-11 | 3082.74 | 261.33 | 2821.40 | 107213.36 |
| 23 | 2027-12 | 3076.04 | 254.63 | 2821.40 | 104391.95 |
| 24 | 2028-01 | 3069.34 | 247.93 | 2821.40 | 101570.55 |
| 25 | 2028-02 | 3062.63 | 241.23 | 2821.40 | 98749.15 |
| 26 | 2028-03 | 3055.93 | 234.53 | 2821.40 | 95927.74 |
| 27 | 2028-04 | 3049.23 | 227.83 | 2821.40 | 93106.34 |
| 28 | 2028-05 | 3042.53 | 221.13 | 2821.40 | 90284.93 |
| 29 | 2028-06 | 3035.83 | 214.43 | 2821.40 | 87463.53 |
| 30 | 2028-07 | 3029.13 | 207.73 | 2821.40 | 84642.13 |
| 31 | 2028-08 | 3022.43 | 201.03 | 2821.40 | 81820.72 |
| 32 | 2028-09 | 3015.73 | 194.32 | 2821.40 | 78999.32 |
| 33 | 2028-10 | 3009.03 | 187.62 | 2821.40 | 76177.91 |
| 34 | 2028-11 | 3002.33 | 180.92 | 2821.40 | 73356.51 |
| 35 | 2028-12 | 2995.63 | 174.22 | 2821.40 | 70535.10 |
| 36 | 2029-01 | 2988.93 | 167.52 | 2821.40 | 67713.70 |
| 37 | 2029-02 | 2982.22 | 160.82 | 2821.40 | 64892.30 |
| 38 | 2029-03 | 2975.52 | 154.12 | 2821.40 | 62070.89 |
| 39 | 2029-04 | 2968.82 | 147.42 | 2821.40 | 59249.49 |
| 40 | 2029-05 | 2962.12 | 140.72 | 2821.40 | 56428.08 |
| 41 | 2029-06 | 2955.42 | 134.02 | 2821.40 | 53606.68 |
| 42 | 2029-07 | 2948.72 | 127.32 | 2821.40 | 50785.27 |
| 43 | 2029-08 | 2942.02 | 120.62 | 2821.40 | 47963.87 |
| 44 | 2029-09 | 2935.32 | 113.91 | 2821.40 | 45142.47 |
| 45 | 2029-10 | 2928.62 | 107.21 | 2821.40 | 42321.06 |
| 46 | 2029-11 | 2921.92 | 100.51 | 2821.40 | 39499.66 |
| 47 | 2029-12 | 2915.22 | 93.81 | 2821.40 | 36678.25 |
| 48 | 2030-01 | 2908.52 | 87.11 | 2821.40 | 33856.85 |
| 49 | 2030-02 | 2901.81 | 80.41 | 2821.40 | 31035.45 |
| 50 | 2030-03 | 2895.11 | 73.71 | 2821.40 | 28214.04 |
| 51 | 2030-04 | 2888.41 | 67.01 | 2821.40 | 25392.64 |
| 52 | 2030-05 | 2881.71 | 60.31 | 2821.40 | 22571.23 |
| 53 | 2030-06 | 2875.01 | 53.61 | 2821.40 | 19749.83 |
| 54 | 2030-07 | 2868.31 | 46.91 | 2821.40 | 16928.42 |
| 55 | 2030-08 | 2861.61 | 40.21 | 2821.40 | 14107.02 |
| 56 | 2030-09 | 2854.91 | 33.50 | 2821.40 | 11285.62 |
| 57 | 2030-10 | 2848.21 | 26.80 | 2821.40 | 8464.21 |
| 58 | 2030-11 | 2841.51 | 20.10 | 2821.40 | 5642.81 |
| 59 | 2030-12 | 2834.81 | 13.40 | 2821.40 | 2821.40 |
| 60 | 2031-01 | 2828.11 | 6.70 | 2821.40 | 0.00 |