贷款31万（公积金贷款）房贷，还款4年11个月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：31万
还款月数：4年11个月
每月还款：5692.3元
利息总额：2.58万
本息合计：33.58万
| 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 | 5692.30 | 839.58 | 4852.72 | 305147.28 |
| 2 | 2024-10 | 5692.30 | 826.44 | 4865.86 | 300281.42 |
| 3 | 2024-11 | 5692.30 | 813.26 | 4879.04 | 295402.38 |
| 4 | 2024-12 | 5692.30 | 800.05 | 4892.25 | 290510.13 |
| 5 | 2025-01 | 5692.30 | 786.80 | 4905.50 | 285604.63 |
| 6 | 2025-02 | 5692.30 | 773.51 | 4918.79 | 280685.84 |
| 7 | 2025-03 | 5692.30 | 760.19 | 4932.11 | 275753.73 |
| 8 | 2025-04 | 5692.30 | 746.83 | 4945.47 | 270808.26 |
| 9 | 2025-05 | 5692.30 | 733.44 | 4958.86 | 265849.40 |
| 10 | 2025-06 | 5692.30 | 720.01 | 4972.29 | 260877.11 |
| 11 | 2025-07 | 5692.30 | 706.54 | 4985.76 | 255891.35 |
| 12 | 2025-08 | 5692.30 | 693.04 | 4999.26 | 250892.09 |
| 13 | 2025-09 | 5692.30 | 679.50 | 5012.80 | 245879.29 |
| 14 | 2025-10 | 5692.30 | 665.92 | 5026.38 | 240852.91 |
| 15 | 2025-11 | 5692.30 | 652.31 | 5039.99 | 235812.92 |
| 16 | 2025-12 | 5692.30 | 638.66 | 5053.64 | 230759.28 |
| 17 | 2026-01 | 5692.30 | 624.97 | 5067.33 | 225691.95 |
| 18 | 2026-02 | 5692.30 | 611.25 | 5081.05 | 220610.90 |
| 19 | 2026-03 | 5692.30 | 597.49 | 5094.81 | 215516.08 |
| 20 | 2026-04 | 5692.30 | 583.69 | 5108.61 | 210407.47 |
| 21 | 2026-05 | 5692.30 | 569.85 | 5122.45 | 205285.02 |
| 22 | 2026-06 | 5692.30 | 555.98 | 5136.32 | 200148.70 |
| 23 | 2026-07 | 5692.30 | 542.07 | 5150.23 | 194998.47 |
| 24 | 2026-08 | 5692.30 | 528.12 | 5164.18 | 189834.29 |
| 25 | 2026-09 | 5692.30 | 514.13 | 5178.17 | 184656.13 |
| 26 | 2026-10 | 5692.30 | 500.11 | 5192.19 | 179463.94 |
| 27 | 2026-11 | 5692.30 | 486.05 | 5206.25 | 174257.68 |
| 28 | 2026-12 | 5692.30 | 471.95 | 5220.35 | 169037.33 |
| 29 | 2027-01 | 5692.30 | 457.81 | 5234.49 | 163802.84 |
| 30 | 2027-02 | 5692.30 | 443.63 | 5248.67 | 158554.17 |
| 31 | 2027-03 | 5692.30 | 429.42 | 5262.88 | 153291.29 |
| 32 | 2027-04 | 5692.30 | 415.16 | 5277.14 | 148014.15 |
| 33 | 2027-05 | 5692.30 | 400.87 | 5291.43 | 142722.72 |
| 34 | 2027-06 | 5692.30 | 386.54 | 5305.76 | 137416.96 |
| 35 | 2027-07 | 5692.30 | 372.17 | 5320.13 | 132096.83 |
| 36 | 2027-08 | 5692.30 | 357.76 | 5334.54 | 126762.29 |
| 37 | 2027-09 | 5692.30 | 343.31 | 5348.99 | 121413.31 |
| 38 | 2027-10 | 5692.30 | 328.83 | 5363.47 | 116049.83 |
| 39 | 2027-11 | 5692.30 | 314.30 | 5378.00 | 110671.83 |
| 40 | 2027-12 | 5692.30 | 299.74 | 5392.56 | 105279.27 |
| 41 | 2028-01 | 5692.30 | 285.13 | 5407.17 | 99872.10 |
| 42 | 2028-02 | 5692.30 | 270.49 | 5421.81 | 94450.29 |
| 43 | 2028-03 | 5692.30 | 255.80 | 5436.50 | 89013.79 |
| 44 | 2028-04 | 5692.30 | 241.08 | 5451.22 | 83562.57 |
| 45 | 2028-05 | 5692.30 | 226.32 | 5465.99 | 78096.58 |
| 46 | 2028-06 | 5692.30 | 211.51 | 5480.79 | 72615.79 |
| 47 | 2028-07 | 5692.30 | 196.67 | 5495.63 | 67120.16 |
| 48 | 2028-08 | 5692.30 | 181.78 | 5510.52 | 61609.64 |
| 49 | 2028-09 | 5692.30 | 166.86 | 5525.44 | 56084.20 |
| 50 | 2028-10 | 5692.30 | 151.89 | 5540.41 | 50543.79 |
| 51 | 2028-11 | 5692.30 | 136.89 | 5555.41 | 44988.38 |
| 52 | 2028-12 | 5692.30 | 121.84 | 5570.46 | 39417.92 |
| 53 | 2029-01 | 5692.30 | 106.76 | 5585.54 | 33832.38 |
| 54 | 2029-02 | 5692.30 | 91.63 | 5600.67 | 28231.71 |
| 55 | 2029-03 | 5692.30 | 76.46 | 5615.84 | 22615.87 |
| 56 | 2029-04 | 5692.30 | 61.25 | 5631.05 | 16984.82 |
| 57 | 2029-05 | 5692.30 | 46.00 | 5646.30 | 11338.52 |
| 58 | 2029-06 | 5692.30 | 30.71 | 5661.59 | 5676.93 |
| 59 | 2029-07 | 5692.30 | 15.38 | 5676.93 | 0.00 |
等额本金还款方式：
贷款总额：31万
还款月数：4年11个月
首月还款：6093.82元
每月递减：14.23元
利息总额：2.52万
本息合计：33.52万
节省利息：658.25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 | 6093.82 | 839.58 | 5254.24 | 304745.76 |
| 2 | 2024-10 | 6079.59 | 825.35 | 5254.24 | 299491.53 |
| 3 | 2024-11 | 6065.36 | 811.12 | 5254.24 | 294237.29 |
| 4 | 2024-12 | 6051.13 | 796.89 | 5254.24 | 288983.05 |
| 5 | 2025-01 | 6036.90 | 782.66 | 5254.24 | 283728.81 |
| 6 | 2025-02 | 6022.67 | 768.43 | 5254.24 | 278474.58 |
| 7 | 2025-03 | 6008.44 | 754.20 | 5254.24 | 273220.34 |
| 8 | 2025-04 | 5994.21 | 739.97 | 5254.24 | 267966.10 |
| 9 | 2025-05 | 5979.98 | 725.74 | 5254.24 | 262711.86 |
| 10 | 2025-06 | 5965.75 | 711.51 | 5254.24 | 257457.63 |
| 11 | 2025-07 | 5951.52 | 697.28 | 5254.24 | 252203.39 |
| 12 | 2025-08 | 5937.29 | 683.05 | 5254.24 | 246949.15 |
| 13 | 2025-09 | 5923.06 | 668.82 | 5254.24 | 241694.92 |
| 14 | 2025-10 | 5908.83 | 654.59 | 5254.24 | 236440.68 |
| 15 | 2025-11 | 5894.60 | 640.36 | 5254.24 | 231186.44 |
| 16 | 2025-12 | 5880.37 | 626.13 | 5254.24 | 225932.20 |
| 17 | 2026-01 | 5866.14 | 611.90 | 5254.24 | 220677.97 |
| 18 | 2026-02 | 5851.91 | 597.67 | 5254.24 | 215423.73 |
| 19 | 2026-03 | 5837.68 | 583.44 | 5254.24 | 210169.49 |
| 20 | 2026-04 | 5823.45 | 569.21 | 5254.24 | 204915.25 |
| 21 | 2026-05 | 5809.22 | 554.98 | 5254.24 | 199661.02 |
| 22 | 2026-06 | 5794.99 | 540.75 | 5254.24 | 194406.78 |
| 23 | 2026-07 | 5780.76 | 526.52 | 5254.24 | 189152.54 |
| 24 | 2026-08 | 5766.53 | 512.29 | 5254.24 | 183898.31 |
| 25 | 2026-09 | 5752.30 | 498.06 | 5254.24 | 178644.07 |
| 26 | 2026-10 | 5738.06 | 483.83 | 5254.24 | 173389.83 |
| 27 | 2026-11 | 5723.83 | 469.60 | 5254.24 | 168135.59 |
| 28 | 2026-12 | 5709.60 | 455.37 | 5254.24 | 162881.36 |
| 29 | 2027-01 | 5695.37 | 441.14 | 5254.24 | 157627.12 |
| 30 | 2027-02 | 5681.14 | 426.91 | 5254.24 | 152372.88 |
| 31 | 2027-03 | 5666.91 | 412.68 | 5254.24 | 147118.64 |
| 32 | 2027-04 | 5652.68 | 398.45 | 5254.24 | 141864.41 |
| 33 | 2027-05 | 5638.45 | 384.22 | 5254.24 | 136610.17 |
| 34 | 2027-06 | 5624.22 | 369.99 | 5254.24 | 131355.93 |
| 35 | 2027-07 | 5609.99 | 355.76 | 5254.24 | 126101.69 |
| 36 | 2027-08 | 5595.76 | 341.53 | 5254.24 | 120847.46 |
| 37 | 2027-09 | 5581.53 | 327.30 | 5254.24 | 115593.22 |
| 38 | 2027-10 | 5567.30 | 313.06 | 5254.24 | 110338.98 |
| 39 | 2027-11 | 5553.07 | 298.83 | 5254.24 | 105084.75 |
| 40 | 2027-12 | 5538.84 | 284.60 | 5254.24 | 99830.51 |
| 41 | 2028-01 | 5524.61 | 270.37 | 5254.24 | 94576.27 |
| 42 | 2028-02 | 5510.38 | 256.14 | 5254.24 | 89322.03 |
| 43 | 2028-03 | 5496.15 | 241.91 | 5254.24 | 84067.80 |
| 44 | 2028-04 | 5481.92 | 227.68 | 5254.24 | 78813.56 |
| 45 | 2028-05 | 5467.69 | 213.45 | 5254.24 | 73559.32 |
| 46 | 2028-06 | 5453.46 | 199.22 | 5254.24 | 68305.08 |
| 47 | 2028-07 | 5439.23 | 184.99 | 5254.24 | 63050.85 |
| 48 | 2028-08 | 5425.00 | 170.76 | 5254.24 | 57796.61 |
| 49 | 2028-09 | 5410.77 | 156.53 | 5254.24 | 52542.37 |
| 50 | 2028-10 | 5396.54 | 142.30 | 5254.24 | 47288.14 |
| 51 | 2028-11 | 5382.31 | 128.07 | 5254.24 | 42033.90 |
| 52 | 2028-12 | 5368.08 | 113.84 | 5254.24 | 36779.66 |
| 53 | 2029-01 | 5353.85 | 99.61 | 5254.24 | 31525.42 |
| 54 | 2029-02 | 5339.62 | 85.38 | 5254.24 | 26271.19 |
| 55 | 2029-03 | 5325.39 | 71.15 | 5254.24 | 21016.95 |
| 56 | 2029-04 | 5311.16 | 56.92 | 5254.24 | 15762.71 |
| 57 | 2029-05 | 5296.93 | 42.69 | 5254.24 | 10508.47 |
| 58 | 2029-06 | 5282.70 | 28.46 | 5254.24 | 5254.24 |
| 59 | 2029-07 | 5268.47 | 14.23 | 5254.24 | 0.00 |