贷款36万（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：36万
还款月数：5年
每月还款：6365.27元
利息总额：2.19万
本息合计：38.19万
| 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 | 6365.27 | 705.00 | 5660.27 | 354339.73 |
| 2 | 2024-10 | 6365.27 | 693.92 | 5671.35 | 348668.38 |
| 3 | 2024-11 | 6365.27 | 682.81 | 5682.46 | 342985.92 |
| 4 | 2024-12 | 6365.27 | 671.68 | 5693.59 | 337292.33 |
| 5 | 2025-01 | 6365.27 | 660.53 | 5704.74 | 331587.60 |
| 6 | 2025-02 | 6365.27 | 649.36 | 5715.91 | 325871.69 |
| 7 | 2025-03 | 6365.27 | 638.17 | 5727.10 | 320144.59 |
| 8 | 2025-04 | 6365.27 | 626.95 | 5738.32 | 314406.27 |
| 9 | 2025-05 | 6365.27 | 615.71 | 5749.56 | 308656.71 |
| 10 | 2025-06 | 6365.27 | 604.45 | 5760.82 | 302895.90 |
| 11 | 2025-07 | 6365.27 | 593.17 | 5772.10 | 297123.80 |
| 12 | 2025-08 | 6365.27 | 581.87 | 5783.40 | 291340.40 |
| 13 | 2025-09 | 6365.27 | 570.54 | 5794.73 | 285545.67 |
| 14 | 2025-10 | 6365.27 | 559.19 | 5806.07 | 279739.60 |
| 15 | 2025-11 | 6365.27 | 547.82 | 5817.44 | 273922.15 |
| 16 | 2025-12 | 6365.27 | 536.43 | 5828.84 | 268093.32 |
| 17 | 2026-01 | 6365.27 | 525.02 | 5840.25 | 262253.07 |
| 18 | 2026-02 | 6365.27 | 513.58 | 5851.69 | 256401.38 |
| 19 | 2026-03 | 6365.27 | 502.12 | 5863.15 | 250538.23 |
| 20 | 2026-04 | 6365.27 | 490.64 | 5874.63 | 244663.60 |
| 21 | 2026-05 | 6365.27 | 479.13 | 5886.13 | 238777.46 |
| 22 | 2026-06 | 6365.27 | 467.61 | 5897.66 | 232879.80 |
| 23 | 2026-07 | 6365.27 | 456.06 | 5909.21 | 226970.59 |
| 24 | 2026-08 | 6365.27 | 444.48 | 5920.78 | 221049.80 |
| 25 | 2026-09 | 6365.27 | 432.89 | 5932.38 | 215117.43 |
| 26 | 2026-10 | 6365.27 | 421.27 | 5944.00 | 209173.43 |
| 27 | 2026-11 | 6365.27 | 409.63 | 5955.64 | 203217.79 |
| 28 | 2026-12 | 6365.27 | 397.97 | 5967.30 | 197250.49 |
| 29 | 2027-01 | 6365.27 | 386.28 | 5978.99 | 191271.51 |
| 30 | 2027-02 | 6365.27 | 374.57 | 5990.69 | 185280.81 |
| 31 | 2027-03 | 6365.27 | 362.84 | 6002.43 | 179278.39 |
| 32 | 2027-04 | 6365.27 | 351.09 | 6014.18 | 173264.21 |
| 33 | 2027-05 | 6365.27 | 339.31 | 6025.96 | 167238.25 |
| 34 | 2027-06 | 6365.27 | 327.51 | 6037.76 | 161200.49 |
| 35 | 2027-07 | 6365.27 | 315.68 | 6049.58 | 155150.90 |
| 36 | 2027-08 | 6365.27 | 303.84 | 6061.43 | 149089.47 |
| 37 | 2027-09 | 6365.27 | 291.97 | 6073.30 | 143016.17 |
| 38 | 2027-10 | 6365.27 | 280.07 | 6085.19 | 136930.98 |
| 39 | 2027-11 | 6365.27 | 268.16 | 6097.11 | 130833.87 |
| 40 | 2027-12 | 6365.27 | 256.22 | 6109.05 | 124724.82 |
| 41 | 2028-01 | 6365.27 | 244.25 | 6121.02 | 118603.80 |
| 42 | 2028-02 | 6365.27 | 232.27 | 6133.00 | 112470.80 |
| 43 | 2028-03 | 6365.27 | 220.26 | 6145.01 | 106325.79 |
| 44 | 2028-04 | 6365.27 | 208.22 | 6157.05 | 100168.74 |
| 45 | 2028-05 | 6365.27 | 196.16 | 6169.10 | 93999.63 |
| 46 | 2028-06 | 6365.27 | 184.08 | 6181.19 | 87818.45 |
| 47 | 2028-07 | 6365.27 | 171.98 | 6193.29 | 81625.16 |
| 48 | 2028-08 | 6365.27 | 159.85 | 6205.42 | 75419.74 |
| 49 | 2028-09 | 6365.27 | 147.70 | 6217.57 | 69202.17 |
| 50 | 2028-10 | 6365.27 | 135.52 | 6229.75 | 62972.42 |
| 51 | 2028-11 | 6365.27 | 123.32 | 6241.95 | 56730.48 |
| 52 | 2028-12 | 6365.27 | 111.10 | 6254.17 | 50476.31 |
| 53 | 2029-01 | 6365.27 | 98.85 | 6266.42 | 44209.89 |
| 54 | 2029-02 | 6365.27 | 86.58 | 6278.69 | 37931.20 |
| 55 | 2029-03 | 6365.27 | 74.28 | 6290.99 | 31640.21 |
| 56 | 2029-04 | 6365.27 | 61.96 | 6303.31 | 25336.90 |
| 57 | 2029-05 | 6365.27 | 49.62 | 6315.65 | 19021.26 |
| 58 | 2029-06 | 6365.27 | 37.25 | 6328.02 | 12693.24 |
| 59 | 2029-07 | 6365.27 | 24.86 | 6340.41 | 6352.83 |
| 60 | 2029-08 | 6365.27 | 12.44 | 6352.83 | 0.00 |
等额本金还款方式：
贷款总额：36万
还款月数：5年
首月还款：6705元
每月递减：11.75元
利息总额：2.15万
本息合计：38.15万
节省利息：413.57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 | 6705.00 | 705.00 | 6000.00 | 354000.00 |
| 2 | 2024-10 | 6693.25 | 693.25 | 6000.00 | 348000.00 |
| 3 | 2024-11 | 6681.50 | 681.50 | 6000.00 | 342000.00 |
| 4 | 2024-12 | 6669.75 | 669.75 | 6000.00 | 336000.00 |
| 5 | 2025-01 | 6658.00 | 658.00 | 6000.00 | 330000.00 |
| 6 | 2025-02 | 6646.25 | 646.25 | 6000.00 | 324000.00 |
| 7 | 2025-03 | 6634.50 | 634.50 | 6000.00 | 318000.00 |
| 8 | 2025-04 | 6622.75 | 622.75 | 6000.00 | 312000.00 |
| 9 | 2025-05 | 6611.00 | 611.00 | 6000.00 | 306000.00 |
| 10 | 2025-06 | 6599.25 | 599.25 | 6000.00 | 300000.00 |
| 11 | 2025-07 | 6587.50 | 587.50 | 6000.00 | 294000.00 |
| 12 | 2025-08 | 6575.75 | 575.75 | 6000.00 | 288000.00 |
| 13 | 2025-09 | 6564.00 | 564.00 | 6000.00 | 282000.00 |
| 14 | 2025-10 | 6552.25 | 552.25 | 6000.00 | 276000.00 |
| 15 | 2025-11 | 6540.50 | 540.50 | 6000.00 | 270000.00 |
| 16 | 2025-12 | 6528.75 | 528.75 | 6000.00 | 264000.00 |
| 17 | 2026-01 | 6517.00 | 517.00 | 6000.00 | 258000.00 |
| 18 | 2026-02 | 6505.25 | 505.25 | 6000.00 | 252000.00 |
| 19 | 2026-03 | 6493.50 | 493.50 | 6000.00 | 246000.00 |
| 20 | 2026-04 | 6481.75 | 481.75 | 6000.00 | 240000.00 |
| 21 | 2026-05 | 6470.00 | 470.00 | 6000.00 | 234000.00 |
| 22 | 2026-06 | 6458.25 | 458.25 | 6000.00 | 228000.00 |
| 23 | 2026-07 | 6446.50 | 446.50 | 6000.00 | 222000.00 |
| 24 | 2026-08 | 6434.75 | 434.75 | 6000.00 | 216000.00 |
| 25 | 2026-09 | 6423.00 | 423.00 | 6000.00 | 210000.00 |
| 26 | 2026-10 | 6411.25 | 411.25 | 6000.00 | 204000.00 |
| 27 | 2026-11 | 6399.50 | 399.50 | 6000.00 | 198000.00 |
| 28 | 2026-12 | 6387.75 | 387.75 | 6000.00 | 192000.00 |
| 29 | 2027-01 | 6376.00 | 376.00 | 6000.00 | 186000.00 |
| 30 | 2027-02 | 6364.25 | 364.25 | 6000.00 | 180000.00 |
| 31 | 2027-03 | 6352.50 | 352.50 | 6000.00 | 174000.00 |
| 32 | 2027-04 | 6340.75 | 340.75 | 6000.00 | 168000.00 |
| 33 | 2027-05 | 6329.00 | 329.00 | 6000.00 | 162000.00 |
| 34 | 2027-06 | 6317.25 | 317.25 | 6000.00 | 156000.00 |
| 35 | 2027-07 | 6305.50 | 305.50 | 6000.00 | 150000.00 |
| 36 | 2027-08 | 6293.75 | 293.75 | 6000.00 | 144000.00 |
| 37 | 2027-09 | 6282.00 | 282.00 | 6000.00 | 138000.00 |
| 38 | 2027-10 | 6270.25 | 270.25 | 6000.00 | 132000.00 |
| 39 | 2027-11 | 6258.50 | 258.50 | 6000.00 | 126000.00 |
| 40 | 2027-12 | 6246.75 | 246.75 | 6000.00 | 120000.00 |
| 41 | 2028-01 | 6235.00 | 235.00 | 6000.00 | 114000.00 |
| 42 | 2028-02 | 6223.25 | 223.25 | 6000.00 | 108000.00 |
| 43 | 2028-03 | 6211.50 | 211.50 | 6000.00 | 102000.00 |
| 44 | 2028-04 | 6199.75 | 199.75 | 6000.00 | 96000.00 |
| 45 | 2028-05 | 6188.00 | 188.00 | 6000.00 | 90000.00 |
| 46 | 2028-06 | 6176.25 | 176.25 | 6000.00 | 84000.00 |
| 47 | 2028-07 | 6164.50 | 164.50 | 6000.00 | 78000.00 |
| 48 | 2028-08 | 6152.75 | 152.75 | 6000.00 | 72000.00 |
| 49 | 2028-09 | 6141.00 | 141.00 | 6000.00 | 66000.00 |
| 50 | 2028-10 | 6129.25 | 129.25 | 6000.00 | 60000.00 |
| 51 | 2028-11 | 6117.50 | 117.50 | 6000.00 | 54000.00 |
| 52 | 2028-12 | 6105.75 | 105.75 | 6000.00 | 48000.00 |
| 53 | 2029-01 | 6094.00 | 94.00 | 6000.00 | 42000.00 |
| 54 | 2029-02 | 6082.25 | 82.25 | 6000.00 | 36000.00 |
| 55 | 2029-03 | 6070.50 | 70.50 | 6000.00 | 30000.00 |
| 56 | 2029-04 | 6058.75 | 58.75 | 6000.00 | 24000.00 |
| 57 | 2029-05 | 6047.00 | 47.00 | 6000.00 | 18000.00 |
| 58 | 2029-06 | 6035.25 | 35.25 | 6000.00 | 12000.00 |
| 59 | 2029-07 | 6023.50 | 23.50 | 6000.00 | 6000.00 |
| 60 | 2029-08 | 6011.75 | 11.75 | 6000.00 | 0.00 |