贷款36.5万（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：36.5万
还款月数：5年
每月还款：6615.5元
利息总额：3.19万
本息合计：39.69万
| 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 | 6615.50 | 1018.96 | 5596.54 | 359403.46 |
| 2 | 2025-02 | 6615.50 | 1003.33 | 5612.16 | 353791.30 |
| 3 | 2025-03 | 6615.50 | 987.67 | 5627.83 | 348163.47 |
| 4 | 2025-04 | 6615.50 | 971.96 | 5643.54 | 342519.93 |
| 5 | 2025-05 | 6615.50 | 956.20 | 5659.29 | 336860.64 |
| 6 | 2025-06 | 6615.50 | 940.40 | 5675.09 | 331185.54 |
| 7 | 2025-07 | 6615.50 | 924.56 | 5690.94 | 325494.61 |
| 8 | 2025-08 | 6615.50 | 908.67 | 5706.82 | 319787.78 |
| 9 | 2025-09 | 6615.50 | 892.74 | 5722.76 | 314065.03 |
| 10 | 2025-10 | 6615.50 | 876.76 | 5738.73 | 308326.29 |
| 11 | 2025-11 | 6615.50 | 860.74 | 5754.75 | 302571.54 |
| 12 | 2025-12 | 6615.50 | 844.68 | 5770.82 | 296800.72 |
| 13 | 2026-01 | 6615.50 | 828.57 | 5786.93 | 291013.80 |
| 14 | 2026-02 | 6615.50 | 812.41 | 5803.08 | 285210.71 |
| 15 | 2026-03 | 6615.50 | 796.21 | 5819.28 | 279391.43 |
| 16 | 2026-04 | 6615.50 | 779.97 | 5835.53 | 273555.90 |
| 17 | 2026-05 | 6615.50 | 763.68 | 5851.82 | 267704.08 |
| 18 | 2026-06 | 6615.50 | 747.34 | 5868.16 | 261835.93 |
| 19 | 2026-07 | 6615.50 | 730.96 | 5884.54 | 255951.39 |
| 20 | 2026-08 | 6615.50 | 714.53 | 5900.97 | 250050.42 |
| 21 | 2026-09 | 6615.50 | 698.06 | 5917.44 | 244132.99 |
| 22 | 2026-10 | 6615.50 | 681.54 | 5933.96 | 238199.03 |
| 23 | 2026-11 | 6615.50 | 664.97 | 5950.52 | 232248.50 |
| 24 | 2026-12 | 6615.50 | 648.36 | 5967.14 | 226281.37 |
| 25 | 2027-01 | 6615.50 | 631.70 | 5983.79 | 220297.57 |
| 26 | 2027-02 | 6615.50 | 615.00 | 6000.50 | 214297.07 |
| 27 | 2027-03 | 6615.50 | 598.25 | 6017.25 | 208279.82 |
| 28 | 2027-04 | 6615.50 | 581.45 | 6034.05 | 202245.77 |
| 29 | 2027-05 | 6615.50 | 564.60 | 6050.89 | 196194.88 |
| 30 | 2027-06 | 6615.50 | 547.71 | 6067.79 | 190127.09 |
| 31 | 2027-07 | 6615.50 | 530.77 | 6084.72 | 184042.37 |
| 32 | 2027-08 | 6615.50 | 513.78 | 6101.71 | 177940.66 |
| 33 | 2027-09 | 6615.50 | 496.75 | 6118.75 | 171821.91 |
| 34 | 2027-10 | 6615.50 | 479.67 | 6135.83 | 165686.09 |
| 35 | 2027-11 | 6615.50 | 462.54 | 6152.96 | 159533.13 |
| 36 | 2027-12 | 6615.50 | 445.36 | 6170.13 | 153363.00 |
| 37 | 2028-01 | 6615.50 | 428.14 | 6187.36 | 147175.64 |
| 38 | 2028-02 | 6615.50 | 410.87 | 6204.63 | 140971.01 |
| 39 | 2028-03 | 6615.50 | 393.54 | 6221.95 | 134749.06 |
| 40 | 2028-04 | 6615.50 | 376.17 | 6239.32 | 128509.73 |
| 41 | 2028-05 | 6615.50 | 358.76 | 6256.74 | 122252.99 |
| 42 | 2028-06 | 6615.50 | 341.29 | 6274.21 | 115978.79 |
| 43 | 2028-07 | 6615.50 | 323.77 | 6291.72 | 109687.06 |
| 44 | 2028-08 | 6615.50 | 306.21 | 6309.29 | 103377.78 |
| 45 | 2028-09 | 6615.50 | 288.60 | 6326.90 | 97050.88 |
| 46 | 2028-10 | 6615.50 | 270.93 | 6344.56 | 90706.32 |
| 47 | 2028-11 | 6615.50 | 253.22 | 6362.27 | 84344.04 |
| 48 | 2028-12 | 6615.50 | 235.46 | 6380.04 | 77964.00 |
| 49 | 2029-01 | 6615.50 | 217.65 | 6397.85 | 71566.16 |
| 50 | 2029-02 | 6615.50 | 199.79 | 6415.71 | 65150.45 |
| 51 | 2029-03 | 6615.50 | 181.88 | 6433.62 | 58716.83 |
| 52 | 2029-04 | 6615.50 | 163.92 | 6451.58 | 52265.25 |
| 53 | 2029-05 | 6615.50 | 145.91 | 6469.59 | 45795.66 |
| 54 | 2029-06 | 6615.50 | 127.85 | 6487.65 | 39308.01 |
| 55 | 2029-07 | 6615.50 | 109.73 | 6505.76 | 32802.25 |
| 56 | 2029-08 | 6615.50 | 91.57 | 6523.92 | 26278.33 |
| 57 | 2029-09 | 6615.50 | 73.36 | 6542.14 | 19736.19 |
| 58 | 2029-10 | 6615.50 | 55.10 | 6560.40 | 13175.79 |
| 59 | 2029-11 | 6615.50 | 36.78 | 6578.71 | 6597.08 |
| 60 | 2029-12 | 6615.50 | 18.42 | 6597.08 | 0.00 |
等额本金还款方式：
贷款总额：36.5万
还款月数：5年
首月还款：7102.29元
每月递减：16.98元
利息总额：3.11万
本息合计：39.61万
节省利息：851.55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 | 7102.29 | 1018.96 | 6083.33 | 358916.67 |
| 2 | 2025-02 | 7085.31 | 1001.98 | 6083.33 | 352833.33 |
| 3 | 2025-03 | 7068.33 | 984.99 | 6083.33 | 346750.00 |
| 4 | 2025-04 | 7051.34 | 968.01 | 6083.33 | 340666.67 |
| 5 | 2025-05 | 7034.36 | 951.03 | 6083.33 | 334583.33 |
| 6 | 2025-06 | 7017.38 | 934.05 | 6083.33 | 328500.00 |
| 7 | 2025-07 | 7000.40 | 917.06 | 6083.33 | 322416.67 |
| 8 | 2025-08 | 6983.41 | 900.08 | 6083.33 | 316333.33 |
| 9 | 2025-09 | 6966.43 | 883.10 | 6083.33 | 310250.00 |
| 10 | 2025-10 | 6949.45 | 866.11 | 6083.33 | 304166.67 |
| 11 | 2025-11 | 6932.47 | 849.13 | 6083.33 | 298083.33 |
| 12 | 2025-12 | 6915.48 | 832.15 | 6083.33 | 292000.00 |
| 13 | 2026-01 | 6898.50 | 815.17 | 6083.33 | 285916.67 |
| 14 | 2026-02 | 6881.52 | 798.18 | 6083.33 | 279833.33 |
| 15 | 2026-03 | 6864.53 | 781.20 | 6083.33 | 273750.00 |
| 16 | 2026-04 | 6847.55 | 764.22 | 6083.33 | 267666.67 |
| 17 | 2026-05 | 6830.57 | 747.24 | 6083.33 | 261583.33 |
| 18 | 2026-06 | 6813.59 | 730.25 | 6083.33 | 255500.00 |
| 19 | 2026-07 | 6796.60 | 713.27 | 6083.33 | 249416.67 |
| 20 | 2026-08 | 6779.62 | 696.29 | 6083.33 | 243333.33 |
| 21 | 2026-09 | 6762.64 | 679.31 | 6083.33 | 237250.00 |
| 22 | 2026-10 | 6745.66 | 662.32 | 6083.33 | 231166.67 |
| 23 | 2026-11 | 6728.67 | 645.34 | 6083.33 | 225083.33 |
| 24 | 2026-12 | 6711.69 | 628.36 | 6083.33 | 219000.00 |
| 25 | 2027-01 | 6694.71 | 611.38 | 6083.33 | 212916.67 |
| 26 | 2027-02 | 6677.73 | 594.39 | 6083.33 | 206833.33 |
| 27 | 2027-03 | 6660.74 | 577.41 | 6083.33 | 200750.00 |
| 28 | 2027-04 | 6643.76 | 560.43 | 6083.33 | 194666.67 |
| 29 | 2027-05 | 6626.78 | 543.44 | 6083.33 | 188583.33 |
| 30 | 2027-06 | 6609.80 | 526.46 | 6083.33 | 182500.00 |
| 31 | 2027-07 | 6592.81 | 509.48 | 6083.33 | 176416.67 |
| 32 | 2027-08 | 6575.83 | 492.50 | 6083.33 | 170333.33 |
| 33 | 2027-09 | 6558.85 | 475.51 | 6083.33 | 164250.00 |
| 34 | 2027-10 | 6541.86 | 458.53 | 6083.33 | 158166.67 |
| 35 | 2027-11 | 6524.88 | 441.55 | 6083.33 | 152083.33 |
| 36 | 2027-12 | 6507.90 | 424.57 | 6083.33 | 146000.00 |
| 37 | 2028-01 | 6490.92 | 407.58 | 6083.33 | 139916.67 |
| 38 | 2028-02 | 6473.93 | 390.60 | 6083.33 | 133833.33 |
| 39 | 2028-03 | 6456.95 | 373.62 | 6083.33 | 127750.00 |
| 40 | 2028-04 | 6439.97 | 356.64 | 6083.33 | 121666.67 |
| 41 | 2028-05 | 6422.99 | 339.65 | 6083.33 | 115583.33 |
| 42 | 2028-06 | 6406.00 | 322.67 | 6083.33 | 109500.00 |
| 43 | 2028-07 | 6389.02 | 305.69 | 6083.33 | 103416.67 |
| 44 | 2028-08 | 6372.04 | 288.70 | 6083.33 | 97333.33 |
| 45 | 2028-09 | 6355.06 | 271.72 | 6083.33 | 91250.00 |
| 46 | 2028-10 | 6338.07 | 254.74 | 6083.33 | 85166.67 |
| 47 | 2028-11 | 6321.09 | 237.76 | 6083.33 | 79083.33 |
| 48 | 2028-12 | 6304.11 | 220.77 | 6083.33 | 73000.00 |
| 49 | 2029-01 | 6287.13 | 203.79 | 6083.33 | 66916.67 |
| 50 | 2029-02 | 6270.14 | 186.81 | 6083.33 | 60833.33 |
| 51 | 2029-03 | 6253.16 | 169.83 | 6083.33 | 54750.00 |
| 52 | 2029-04 | 6236.18 | 152.84 | 6083.33 | 48666.67 |
| 53 | 2029-05 | 6219.19 | 135.86 | 6083.33 | 42583.33 |
| 54 | 2029-06 | 6202.21 | 118.88 | 6083.33 | 36500.00 |
| 55 | 2029-07 | 6185.23 | 101.90 | 6083.33 | 30416.67 |
| 56 | 2029-08 | 6168.25 | 84.91 | 6083.33 | 24333.33 |
| 57 | 2029-09 | 6151.26 | 67.93 | 6083.33 | 18250.00 |
| 58 | 2029-10 | 6134.28 | 50.95 | 6083.33 | 12166.67 |
| 59 | 2029-11 | 6117.30 | 33.97 | 6083.33 | 6083.33 |
| 60 | 2029-12 | 6100.32 | 16.98 | 6083.33 | 0.00 |