大连贷款21万（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：21万
还款月数：5年
每月还款：3796.8元
利息总额：1.78万
本息合计：22.78万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 3796.80 | 568.75 | 3228.05 | 206771.95 |
| 2 | 2025-02 | 3796.80 | 560.01 | 3236.79 | 203535.16 |
| 3 | 2025-03 | 3796.80 | 551.24 | 3245.56 | 200289.60 |
| 4 | 2025-04 | 3796.80 | 542.45 | 3254.35 | 197035.25 |
| 5 | 2025-05 | 3796.80 | 533.64 | 3263.16 | 193772.08 |
| 6 | 2025-06 | 3796.80 | 524.80 | 3272.00 | 190500.08 |
| 7 | 2025-07 | 3796.80 | 515.94 | 3280.86 | 187219.22 |
| 8 | 2025-08 | 3796.80 | 507.05 | 3289.75 | 183929.47 |
| 9 | 2025-09 | 3796.80 | 498.14 | 3298.66 | 180630.81 |
| 10 | 2025-10 | 3796.80 | 489.21 | 3307.59 | 177323.22 |
| 11 | 2025-11 | 3796.80 | 480.25 | 3316.55 | 174006.67 |
| 12 | 2025-12 | 3796.80 | 471.27 | 3325.53 | 170681.14 |
| 13 | 2026-01 | 3796.80 | 462.26 | 3334.54 | 167346.60 |
| 14 | 2026-02 | 3796.80 | 453.23 | 3343.57 | 164003.03 |
| 15 | 2026-03 | 3796.80 | 444.17 | 3352.63 | 160650.40 |
| 16 | 2026-04 | 3796.80 | 435.09 | 3361.71 | 157288.70 |
| 17 | 2026-05 | 3796.80 | 425.99 | 3370.81 | 153917.89 |
| 18 | 2026-06 | 3796.80 | 416.86 | 3379.94 | 150537.95 |
| 19 | 2026-07 | 3796.80 | 407.71 | 3389.09 | 147148.86 |
| 20 | 2026-08 | 3796.80 | 398.53 | 3398.27 | 143750.58 |
| 21 | 2026-09 | 3796.80 | 389.32 | 3407.48 | 140343.11 |
| 22 | 2026-10 | 3796.80 | 380.10 | 3416.70 | 136926.40 |
| 23 | 2026-11 | 3796.80 | 370.84 | 3425.96 | 133500.44 |
| 24 | 2026-12 | 3796.80 | 361.56 | 3435.24 | 130065.21 |
| 25 | 2027-01 | 3796.80 | 352.26 | 3444.54 | 126620.67 |
| 26 | 2027-02 | 3796.80 | 342.93 | 3453.87 | 123166.80 |
| 27 | 2027-03 | 3796.80 | 333.58 | 3463.22 | 119703.57 |
| 28 | 2027-04 | 3796.80 | 324.20 | 3472.60 | 116230.97 |
| 29 | 2027-05 | 3796.80 | 314.79 | 3482.01 | 112748.96 |
| 30 | 2027-06 | 3796.80 | 305.36 | 3491.44 | 109257.52 |
| 31 | 2027-07 | 3796.80 | 295.91 | 3500.89 | 105756.63 |
| 32 | 2027-08 | 3796.80 | 286.42 | 3510.38 | 102246.25 |
| 33 | 2027-09 | 3796.80 | 276.92 | 3519.88 | 98726.37 |
| 34 | 2027-10 | 3796.80 | 267.38 | 3529.42 | 95196.95 |
| 35 | 2027-11 | 3796.80 | 257.83 | 3538.98 | 91657.98 |
| 36 | 2027-12 | 3796.80 | 248.24 | 3548.56 | 88109.42 |
| 37 | 2028-01 | 3796.80 | 238.63 | 3558.17 | 84551.25 |
| 38 | 2028-02 | 3796.80 | 228.99 | 3567.81 | 80983.44 |
| 39 | 2028-03 | 3796.80 | 219.33 | 3577.47 | 77405.97 |
| 40 | 2028-04 | 3796.80 | 209.64 | 3587.16 | 73818.81 |
| 41 | 2028-05 | 3796.80 | 199.93 | 3596.87 | 70221.93 |
| 42 | 2028-06 | 3796.80 | 190.18 | 3606.62 | 66615.32 |
| 43 | 2028-07 | 3796.80 | 180.42 | 3616.38 | 62998.93 |
| 44 | 2028-08 | 3796.80 | 170.62 | 3626.18 | 59372.76 |
| 45 | 2028-09 | 3796.80 | 160.80 | 3636.00 | 55736.76 |
| 46 | 2028-10 | 3796.80 | 150.95 | 3645.85 | 52090.91 |
| 47 | 2028-11 | 3796.80 | 141.08 | 3655.72 | 48435.19 |
| 48 | 2028-12 | 3796.80 | 131.18 | 3665.62 | 44769.57 |
| 49 | 2029-01 | 3796.80 | 121.25 | 3675.55 | 41094.02 |
| 50 | 2029-02 | 3796.80 | 111.30 | 3685.50 | 37408.51 |
| 51 | 2029-03 | 3796.80 | 101.31 | 3695.49 | 33713.03 |
| 52 | 2029-04 | 3796.80 | 91.31 | 3705.49 | 30007.53 |
| 53 | 2029-05 | 3796.80 | 81.27 | 3715.53 | 26292.00 |
| 54 | 2029-06 | 3796.80 | 71.21 | 3725.59 | 22566.41 |
| 55 | 2029-07 | 3796.80 | 61.12 | 3735.68 | 18830.73 |
| 56 | 2029-08 | 3796.80 | 51.00 | 3745.80 | 15084.93 |
| 57 | 2029-09 | 3796.80 | 40.86 | 3755.95 | 11328.98 |
| 58 | 2029-10 | 3796.80 | 30.68 | 3766.12 | 7562.86 |
| 59 | 2029-11 | 3796.80 | 20.48 | 3776.32 | 3786.55 |
| 60 | 2029-12 | 3796.80 | 10.26 | 3786.55 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：5年
首月还款：4068.75元
每月递减：9.48元
利息总额：1.73万
本息合计：22.73万
节省利息：461.15元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 4068.75 | 568.75 | 3500.00 | 206500.00 |
| 2 | 2025-02 | 4059.27 | 559.27 | 3500.00 | 203000.00 |
| 3 | 2025-03 | 4049.79 | 549.79 | 3500.00 | 199500.00 |
| 4 | 2025-04 | 4040.31 | 540.31 | 3500.00 | 196000.00 |
| 5 | 2025-05 | 4030.83 | 530.83 | 3500.00 | 192500.00 |
| 6 | 2025-06 | 4021.35 | 521.35 | 3500.00 | 189000.00 |
| 7 | 2025-07 | 4011.88 | 511.88 | 3500.00 | 185500.00 |
| 8 | 2025-08 | 4002.40 | 502.40 | 3500.00 | 182000.00 |
| 9 | 2025-09 | 3992.92 | 492.92 | 3500.00 | 178500.00 |
| 10 | 2025-10 | 3983.44 | 483.44 | 3500.00 | 175000.00 |
| 11 | 2025-11 | 3973.96 | 473.96 | 3500.00 | 171500.00 |
| 12 | 2025-12 | 3964.48 | 464.48 | 3500.00 | 168000.00 |
| 13 | 2026-01 | 3955.00 | 455.00 | 3500.00 | 164500.00 |
| 14 | 2026-02 | 3945.52 | 445.52 | 3500.00 | 161000.00 |
| 15 | 2026-03 | 3936.04 | 436.04 | 3500.00 | 157500.00 |
| 16 | 2026-04 | 3926.56 | 426.56 | 3500.00 | 154000.00 |
| 17 | 2026-05 | 3917.08 | 417.08 | 3500.00 | 150500.00 |
| 18 | 2026-06 | 3907.60 | 407.60 | 3500.00 | 147000.00 |
| 19 | 2026-07 | 3898.13 | 398.13 | 3500.00 | 143500.00 |
| 20 | 2026-08 | 3888.65 | 388.65 | 3500.00 | 140000.00 |
| 21 | 2026-09 | 3879.17 | 379.17 | 3500.00 | 136500.00 |
| 22 | 2026-10 | 3869.69 | 369.69 | 3500.00 | 133000.00 |
| 23 | 2026-11 | 3860.21 | 360.21 | 3500.00 | 129500.00 |
| 24 | 2026-12 | 3850.73 | 350.73 | 3500.00 | 126000.00 |
| 25 | 2027-01 | 3841.25 | 341.25 | 3500.00 | 122500.00 |
| 26 | 2027-02 | 3831.77 | 331.77 | 3500.00 | 119000.00 |
| 27 | 2027-03 | 3822.29 | 322.29 | 3500.00 | 115500.00 |
| 28 | 2027-04 | 3812.81 | 312.81 | 3500.00 | 112000.00 |
| 29 | 2027-05 | 3803.33 | 303.33 | 3500.00 | 108500.00 |
| 30 | 2027-06 | 3793.85 | 293.85 | 3500.00 | 105000.00 |
| 31 | 2027-07 | 3784.38 | 284.38 | 3500.00 | 101500.00 |
| 32 | 2027-08 | 3774.90 | 274.90 | 3500.00 | 98000.00 |
| 33 | 2027-09 | 3765.42 | 265.42 | 3500.00 | 94500.00 |
| 34 | 2027-10 | 3755.94 | 255.94 | 3500.00 | 91000.00 |
| 35 | 2027-11 | 3746.46 | 246.46 | 3500.00 | 87500.00 |
| 36 | 2027-12 | 3736.98 | 236.98 | 3500.00 | 84000.00 |
| 37 | 2028-01 | 3727.50 | 227.50 | 3500.00 | 80500.00 |
| 38 | 2028-02 | 3718.02 | 218.02 | 3500.00 | 77000.00 |
| 39 | 2028-03 | 3708.54 | 208.54 | 3500.00 | 73500.00 |
| 40 | 2028-04 | 3699.06 | 199.06 | 3500.00 | 70000.00 |
| 41 | 2028-05 | 3689.58 | 189.58 | 3500.00 | 66500.00 |
| 42 | 2028-06 | 3680.10 | 180.10 | 3500.00 | 63000.00 |
| 43 | 2028-07 | 3670.63 | 170.63 | 3500.00 | 59500.00 |
| 44 | 2028-08 | 3661.15 | 161.15 | 3500.00 | 56000.00 |
| 45 | 2028-09 | 3651.67 | 151.67 | 3500.00 | 52500.00 |
| 46 | 2028-10 | 3642.19 | 142.19 | 3500.00 | 49000.00 |
| 47 | 2028-11 | 3632.71 | 132.71 | 3500.00 | 45500.00 |
| 48 | 2028-12 | 3623.23 | 123.23 | 3500.00 | 42000.00 |
| 49 | 2029-01 | 3613.75 | 113.75 | 3500.00 | 38500.00 |
| 50 | 2029-02 | 3604.27 | 104.27 | 3500.00 | 35000.00 |
| 51 | 2029-03 | 3594.79 | 94.79 | 3500.00 | 31500.00 |
| 52 | 2029-04 | 3585.31 | 85.31 | 3500.00 | 28000.00 |
| 53 | 2029-05 | 3575.83 | 75.83 | 3500.00 | 24500.00 |
| 54 | 2029-06 | 3566.35 | 66.35 | 3500.00 | 21000.00 |
| 55 | 2029-07 | 3556.88 | 56.88 | 3500.00 | 17500.00 |
| 56 | 2029-08 | 3547.40 | 47.40 | 3500.00 | 14000.00 |
| 57 | 2029-09 | 3537.92 | 37.92 | 3500.00 | 10500.00 |
| 58 | 2029-10 | 3528.44 | 28.44 | 3500.00 | 7000.00 |
| 59 | 2029-11 | 3518.96 | 18.96 | 3500.00 | 3500.00 |
| 60 | 2029-12 | 3509.48 | 9.48 | 3500.00 | 0.00 |