贷款22.5万（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：22.5万
还款月数：5年
每月还款：4020.5元
利息总额：1.62万
本息合计：24.12万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 4020.50 | 520.31 | 3500.19 | 221499.81 |
| 2 | 2025-03 | 4020.50 | 512.22 | 3508.28 | 217991.54 |
| 3 | 2025-04 | 4020.50 | 504.11 | 3516.39 | 214475.14 |
| 4 | 2025-05 | 4020.50 | 495.97 | 3524.52 | 210950.62 |
| 5 | 2025-06 | 4020.50 | 487.82 | 3532.67 | 207417.94 |
| 6 | 2025-07 | 4020.50 | 479.65 | 3540.84 | 203877.10 |
| 7 | 2025-08 | 4020.50 | 471.47 | 3549.03 | 200328.07 |
| 8 | 2025-09 | 4020.50 | 463.26 | 3557.24 | 196770.83 |
| 9 | 2025-10 | 4020.50 | 455.03 | 3565.47 | 193205.36 |
| 10 | 2025-11 | 4020.50 | 446.79 | 3573.71 | 189631.65 |
| 11 | 2025-12 | 4020.50 | 438.52 | 3581.97 | 186049.68 |
| 12 | 2026-01 | 4020.50 | 430.24 | 3590.26 | 182459.42 |
| 13 | 2026-02 | 4020.50 | 421.94 | 3598.56 | 178860.86 |
| 14 | 2026-03 | 4020.50 | 413.62 | 3606.88 | 175253.98 |
| 15 | 2026-04 | 4020.50 | 405.27 | 3615.22 | 171638.76 |
| 16 | 2026-05 | 4020.50 | 396.91 | 3623.58 | 168015.17 |
| 17 | 2026-06 | 4020.50 | 388.54 | 3631.96 | 164383.21 |
| 18 | 2026-07 | 4020.50 | 380.14 | 3640.36 | 160742.85 |
| 19 | 2026-08 | 4020.50 | 371.72 | 3648.78 | 157094.07 |
| 20 | 2026-09 | 4020.50 | 363.28 | 3657.22 | 153436.85 |
| 21 | 2026-10 | 4020.50 | 354.82 | 3665.68 | 149771.18 |
| 22 | 2026-11 | 4020.50 | 346.35 | 3674.15 | 146097.02 |
| 23 | 2026-12 | 4020.50 | 337.85 | 3682.65 | 142414.38 |
| 24 | 2027-01 | 4020.50 | 329.33 | 3691.16 | 138723.21 |
| 25 | 2027-02 | 4020.50 | 320.80 | 3699.70 | 135023.51 |
| 26 | 2027-03 | 4020.50 | 312.24 | 3708.26 | 131315.26 |
| 27 | 2027-04 | 4020.50 | 303.67 | 3716.83 | 127598.42 |
| 28 | 2027-05 | 4020.50 | 295.07 | 3725.43 | 123873.00 |
| 29 | 2027-06 | 4020.50 | 286.46 | 3734.04 | 120138.96 |
| 30 | 2027-07 | 4020.50 | 277.82 | 3742.68 | 116396.28 |
| 31 | 2027-08 | 4020.50 | 269.17 | 3751.33 | 112644.95 |
| 32 | 2027-09 | 4020.50 | 260.49 | 3760.01 | 108884.94 |
| 33 | 2027-10 | 4020.50 | 251.80 | 3768.70 | 105116.24 |
| 34 | 2027-11 | 4020.50 | 243.08 | 3777.42 | 101338.82 |
| 35 | 2027-12 | 4020.50 | 234.35 | 3786.15 | 97552.67 |
| 36 | 2028-01 | 4020.50 | 225.59 | 3794.91 | 93757.77 |
| 37 | 2028-02 | 4020.50 | 216.81 | 3803.68 | 89954.08 |
| 38 | 2028-03 | 4020.50 | 208.02 | 3812.48 | 86141.60 |
| 39 | 2028-04 | 4020.50 | 199.20 | 3821.30 | 82320.31 |
| 40 | 2028-05 | 4020.50 | 190.37 | 3830.13 | 78490.18 |
| 41 | 2028-06 | 4020.50 | 181.51 | 3838.99 | 74651.19 |
| 42 | 2028-07 | 4020.50 | 172.63 | 3847.87 | 70803.32 |
| 43 | 2028-08 | 4020.50 | 163.73 | 3856.77 | 66946.55 |
| 44 | 2028-09 | 4020.50 | 154.81 | 3865.68 | 63080.87 |
| 45 | 2028-10 | 4020.50 | 145.87 | 3874.62 | 59206.25 |
| 46 | 2028-11 | 4020.50 | 136.91 | 3883.58 | 55322.66 |
| 47 | 2028-12 | 4020.50 | 127.93 | 3892.56 | 51430.10 |
| 48 | 2029-01 | 4020.50 | 118.93 | 3901.57 | 47528.53 |
| 49 | 2029-02 | 4020.50 | 109.91 | 3910.59 | 43617.95 |
| 50 | 2029-03 | 4020.50 | 100.87 | 3919.63 | 39698.32 |
| 51 | 2029-04 | 4020.50 | 91.80 | 3928.70 | 35769.62 |
| 52 | 2029-05 | 4020.50 | 82.72 | 3937.78 | 31831.84 |
| 53 | 2029-06 | 4020.50 | 73.61 | 3946.89 | 27884.95 |
| 54 | 2029-07 | 4020.50 | 64.48 | 3956.01 | 23928.94 |
| 55 | 2029-08 | 4020.50 | 55.34 | 3965.16 | 19963.78 |
| 56 | 2029-09 | 4020.50 | 46.17 | 3974.33 | 15989.45 |
| 57 | 2029-10 | 4020.50 | 36.98 | 3983.52 | 12005.92 |
| 58 | 2029-11 | 4020.50 | 27.76 | 3992.73 | 8013.19 |
| 59 | 2029-12 | 4020.50 | 18.53 | 4001.97 | 4011.22 |
| 60 | 2030-01 | 4020.50 | 9.28 | 4011.22 | 0.00 |
等额本金还款方式：
贷款总额：22.5万
还款月数：5年
首月还款：4270.31元
每月递减：8.67元
利息总额：1.59万
本息合计：24.09万
节省利息：360.33元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 4270.31 | 520.31 | 3750.00 | 221250.00 |
| 2 | 2025-03 | 4261.64 | 511.64 | 3750.00 | 217500.00 |
| 3 | 2025-04 | 4252.97 | 502.97 | 3750.00 | 213750.00 |
| 4 | 2025-05 | 4244.30 | 494.30 | 3750.00 | 210000.00 |
| 5 | 2025-06 | 4235.63 | 485.63 | 3750.00 | 206250.00 |
| 6 | 2025-07 | 4226.95 | 476.95 | 3750.00 | 202500.00 |
| 7 | 2025-08 | 4218.28 | 468.28 | 3750.00 | 198750.00 |
| 8 | 2025-09 | 4209.61 | 459.61 | 3750.00 | 195000.00 |
| 9 | 2025-10 | 4200.94 | 450.94 | 3750.00 | 191250.00 |
| 10 | 2025-11 | 4192.27 | 442.27 | 3750.00 | 187500.00 |
| 11 | 2025-12 | 4183.59 | 433.59 | 3750.00 | 183750.00 |
| 12 | 2026-01 | 4174.92 | 424.92 | 3750.00 | 180000.00 |
| 13 | 2026-02 | 4166.25 | 416.25 | 3750.00 | 176250.00 |
| 14 | 2026-03 | 4157.58 | 407.58 | 3750.00 | 172500.00 |
| 15 | 2026-04 | 4148.91 | 398.91 | 3750.00 | 168750.00 |
| 16 | 2026-05 | 4140.23 | 390.23 | 3750.00 | 165000.00 |
| 17 | 2026-06 | 4131.56 | 381.56 | 3750.00 | 161250.00 |
| 18 | 2026-07 | 4122.89 | 372.89 | 3750.00 | 157500.00 |
| 19 | 2026-08 | 4114.22 | 364.22 | 3750.00 | 153750.00 |
| 20 | 2026-09 | 4105.55 | 355.55 | 3750.00 | 150000.00 |
| 21 | 2026-10 | 4096.88 | 346.88 | 3750.00 | 146250.00 |
| 22 | 2026-11 | 4088.20 | 338.20 | 3750.00 | 142500.00 |
| 23 | 2026-12 | 4079.53 | 329.53 | 3750.00 | 138750.00 |
| 24 | 2027-01 | 4070.86 | 320.86 | 3750.00 | 135000.00 |
| 25 | 2027-02 | 4062.19 | 312.19 | 3750.00 | 131250.00 |
| 26 | 2027-03 | 4053.52 | 303.52 | 3750.00 | 127500.00 |
| 27 | 2027-04 | 4044.84 | 294.84 | 3750.00 | 123750.00 |
| 28 | 2027-05 | 4036.17 | 286.17 | 3750.00 | 120000.00 |
| 29 | 2027-06 | 4027.50 | 277.50 | 3750.00 | 116250.00 |
| 30 | 2027-07 | 4018.83 | 268.83 | 3750.00 | 112500.00 |
| 31 | 2027-08 | 4010.16 | 260.16 | 3750.00 | 108750.00 |
| 32 | 2027-09 | 4001.48 | 251.48 | 3750.00 | 105000.00 |
| 33 | 2027-10 | 3992.81 | 242.81 | 3750.00 | 101250.00 |
| 34 | 2027-11 | 3984.14 | 234.14 | 3750.00 | 97500.00 |
| 35 | 2027-12 | 3975.47 | 225.47 | 3750.00 | 93750.00 |
| 36 | 2028-01 | 3966.80 | 216.80 | 3750.00 | 90000.00 |
| 37 | 2028-02 | 3958.13 | 208.13 | 3750.00 | 86250.00 |
| 38 | 2028-03 | 3949.45 | 199.45 | 3750.00 | 82500.00 |
| 39 | 2028-04 | 3940.78 | 190.78 | 3750.00 | 78750.00 |
| 40 | 2028-05 | 3932.11 | 182.11 | 3750.00 | 75000.00 |
| 41 | 2028-06 | 3923.44 | 173.44 | 3750.00 | 71250.00 |
| 42 | 2028-07 | 3914.77 | 164.77 | 3750.00 | 67500.00 |
| 43 | 2028-08 | 3906.09 | 156.09 | 3750.00 | 63750.00 |
| 44 | 2028-09 | 3897.42 | 147.42 | 3750.00 | 60000.00 |
| 45 | 2028-10 | 3888.75 | 138.75 | 3750.00 | 56250.00 |
| 46 | 2028-11 | 3880.08 | 130.08 | 3750.00 | 52500.00 |
| 47 | 2028-12 | 3871.41 | 121.41 | 3750.00 | 48750.00 |
| 48 | 2029-01 | 3862.73 | 112.73 | 3750.00 | 45000.00 |
| 49 | 2029-02 | 3854.06 | 104.06 | 3750.00 | 41250.00 |
| 50 | 2029-03 | 3845.39 | 95.39 | 3750.00 | 37500.00 |
| 51 | 2029-04 | 3836.72 | 86.72 | 3750.00 | 33750.00 |
| 52 | 2029-05 | 3828.05 | 78.05 | 3750.00 | 30000.00 |
| 53 | 2029-06 | 3819.38 | 69.38 | 3750.00 | 26250.00 |
| 54 | 2029-07 | 3810.70 | 60.70 | 3750.00 | 22500.00 |
| 55 | 2029-08 | 3802.03 | 52.03 | 3750.00 | 18750.00 |
| 56 | 2029-09 | 3793.36 | 43.36 | 3750.00 | 15000.00 |
| 57 | 2029-10 | 3784.69 | 34.69 | 3750.00 | 11250.00 |
| 58 | 2029-11 | 3776.02 | 26.02 | 3750.00 | 7500.00 |
| 59 | 2029-12 | 3767.34 | 17.34 | 3750.00 | 3750.00 |
| 60 | 2030-01 | 3758.67 | 8.67 | 3750.00 | 0.00 |