贷款5.2万（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：5.2万
还款月数：5年
每月还款：942.48元
利息总额：4548.9元
本息合计：5.65万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 942.48 | 145.17 | 797.32 | 51202.68 |
| 2 | 2024-11 | 942.48 | 142.94 | 799.54 | 50403.14 |
| 3 | 2024-12 | 942.48 | 140.71 | 801.77 | 49601.37 |
| 4 | 2025-01 | 942.48 | 138.47 | 804.01 | 48797.36 |
| 5 | 2025-02 | 942.48 | 136.23 | 806.26 | 47991.10 |
| 6 | 2025-03 | 942.48 | 133.98 | 808.51 | 47182.60 |
| 7 | 2025-04 | 942.48 | 131.72 | 810.76 | 46371.83 |
| 8 | 2025-05 | 942.48 | 129.45 | 813.03 | 45558.81 |
| 9 | 2025-06 | 942.48 | 127.19 | 815.30 | 44743.51 |
| 10 | 2025-07 | 942.48 | 124.91 | 817.57 | 43925.94 |
| 11 | 2025-08 | 942.48 | 122.63 | 819.86 | 43106.08 |
| 12 | 2025-09 | 942.48 | 120.34 | 822.14 | 42283.94 |
| 13 | 2025-10 | 942.48 | 118.04 | 824.44 | 41459.50 |
| 14 | 2025-11 | 942.48 | 115.74 | 826.74 | 40632.76 |
| 15 | 2025-12 | 942.48 | 113.43 | 829.05 | 39803.71 |
| 16 | 2026-01 | 942.48 | 111.12 | 831.36 | 38972.35 |
| 17 | 2026-02 | 942.48 | 108.80 | 833.68 | 38138.66 |
| 18 | 2026-03 | 942.48 | 106.47 | 836.01 | 37302.65 |
| 19 | 2026-04 | 942.48 | 104.14 | 838.35 | 36464.31 |
| 20 | 2026-05 | 942.48 | 101.80 | 840.69 | 35623.62 |
| 21 | 2026-06 | 942.48 | 99.45 | 843.03 | 34780.59 |
| 22 | 2026-07 | 942.48 | 97.10 | 845.39 | 33935.20 |
| 23 | 2026-08 | 942.48 | 94.74 | 847.75 | 33087.46 |
| 24 | 2026-09 | 942.48 | 92.37 | 850.11 | 32237.35 |
| 25 | 2026-10 | 942.48 | 90.00 | 852.49 | 31384.86 |
| 26 | 2026-11 | 942.48 | 87.62 | 854.87 | 30529.99 |
| 27 | 2026-12 | 942.48 | 85.23 | 857.25 | 29672.74 |
| 28 | 2027-01 | 942.48 | 82.84 | 859.65 | 28813.10 |
| 29 | 2027-02 | 942.48 | 80.44 | 862.05 | 27951.05 |
| 30 | 2027-03 | 942.48 | 78.03 | 864.45 | 27086.60 |
| 31 | 2027-04 | 942.48 | 75.62 | 866.86 | 26219.73 |
| 32 | 2027-05 | 942.48 | 73.20 | 869.28 | 25350.45 |
| 33 | 2027-06 | 942.48 | 70.77 | 871.71 | 24478.74 |
| 34 | 2027-07 | 942.48 | 68.34 | 874.15 | 23604.59 |
| 35 | 2027-08 | 942.48 | 65.90 | 876.59 | 22728.01 |
| 36 | 2027-09 | 942.48 | 63.45 | 879.03 | 21848.97 |
| 37 | 2027-10 | 942.48 | 61.00 | 881.49 | 20967.49 |
| 38 | 2027-11 | 942.48 | 58.53 | 883.95 | 20083.54 |
| 39 | 2027-12 | 942.48 | 56.07 | 886.42 | 19197.13 |
| 40 | 2028-01 | 942.48 | 53.59 | 888.89 | 18308.24 |
| 41 | 2028-02 | 942.48 | 51.11 | 891.37 | 17416.86 |
| 42 | 2028-03 | 942.48 | 48.62 | 893.86 | 16523.01 |
| 43 | 2028-04 | 942.48 | 46.13 | 896.35 | 15626.65 |
| 44 | 2028-05 | 942.48 | 43.62 | 898.86 | 14727.79 |
| 45 | 2028-06 | 942.48 | 41.12 | 901.37 | 13826.43 |
| 46 | 2028-07 | 942.48 | 38.60 | 903.88 | 12922.54 |
| 47 | 2028-08 | 942.48 | 36.08 | 906.41 | 12016.14 |
| 48 | 2028-09 | 942.48 | 33.55 | 908.94 | 11107.20 |
| 49 | 2028-10 | 942.48 | 31.01 | 911.47 | 10195.73 |
| 50 | 2028-11 | 942.48 | 28.46 | 914.02 | 9281.71 |
| 51 | 2028-12 | 942.48 | 25.91 | 916.57 | 8365.14 |
| 52 | 2029-01 | 942.48 | 23.35 | 919.13 | 7446.01 |
| 53 | 2029-02 | 942.48 | 20.79 | 921.69 | 6524.31 |
| 54 | 2029-03 | 942.48 | 18.21 | 924.27 | 5600.05 |
| 55 | 2029-04 | 942.48 | 15.63 | 926.85 | 4673.20 |
| 56 | 2029-05 | 942.48 | 13.05 | 929.44 | 3743.76 |
| 57 | 2029-06 | 942.48 | 10.45 | 932.03 | 2811.73 |
| 58 | 2029-07 | 942.48 | 7.85 | 934.63 | 1877.10 |
| 59 | 2029-08 | 942.48 | 5.24 | 937.24 | 939.86 |
| 60 | 2029-09 | 942.48 | 2.62 | 939.86 | 0.00 |
等额本金还款方式：
贷款总额：5.2万
还款月数：5年
首月还款：1011.83元
每月递减：2.42元
利息总额：4427.58元
本息合计：5.64万
节省利息：121.32元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 1011.83 | 145.17 | 866.67 | 51133.33 |
| 2 | 2024-11 | 1009.41 | 142.75 | 866.67 | 50266.67 |
| 3 | 2024-12 | 1006.99 | 140.33 | 866.67 | 49400.00 |
| 4 | 2025-01 | 1004.57 | 137.91 | 866.67 | 48533.33 |
| 5 | 2025-02 | 1002.16 | 135.49 | 866.67 | 47666.67 |
| 6 | 2025-03 | 999.74 | 133.07 | 866.67 | 46800.00 |
| 7 | 2025-04 | 997.32 | 130.65 | 866.67 | 45933.33 |
| 8 | 2025-05 | 994.90 | 128.23 | 866.67 | 45066.67 |
| 9 | 2025-06 | 992.48 | 125.81 | 866.67 | 44200.00 |
| 10 | 2025-07 | 990.06 | 123.39 | 866.67 | 43333.33 |
| 11 | 2025-08 | 987.64 | 120.97 | 866.67 | 42466.67 |
| 12 | 2025-09 | 985.22 | 118.55 | 866.67 | 41600.00 |
| 13 | 2025-10 | 982.80 | 116.13 | 866.67 | 40733.33 |
| 14 | 2025-11 | 980.38 | 113.71 | 866.67 | 39866.67 |
| 15 | 2025-12 | 977.96 | 111.29 | 866.67 | 39000.00 |
| 16 | 2026-01 | 975.54 | 108.88 | 866.67 | 38133.33 |
| 17 | 2026-02 | 973.12 | 106.46 | 866.67 | 37266.67 |
| 18 | 2026-03 | 970.70 | 104.04 | 866.67 | 36400.00 |
| 19 | 2026-04 | 968.28 | 101.62 | 866.67 | 35533.33 |
| 20 | 2026-05 | 965.86 | 99.20 | 866.67 | 34666.67 |
| 21 | 2026-06 | 963.44 | 96.78 | 866.67 | 33800.00 |
| 22 | 2026-07 | 961.02 | 94.36 | 866.67 | 32933.33 |
| 23 | 2026-08 | 958.61 | 91.94 | 866.67 | 32066.67 |
| 24 | 2026-09 | 956.19 | 89.52 | 866.67 | 31200.00 |
| 25 | 2026-10 | 953.77 | 87.10 | 866.67 | 30333.33 |
| 26 | 2026-11 | 951.35 | 84.68 | 866.67 | 29466.67 |
| 27 | 2026-12 | 948.93 | 82.26 | 866.67 | 28600.00 |
| 28 | 2027-01 | 946.51 | 79.84 | 866.67 | 27733.33 |
| 29 | 2027-02 | 944.09 | 77.42 | 866.67 | 26866.67 |
| 30 | 2027-03 | 941.67 | 75.00 | 866.67 | 26000.00 |
| 31 | 2027-04 | 939.25 | 72.58 | 866.67 | 25133.33 |
| 32 | 2027-05 | 936.83 | 70.16 | 866.67 | 24266.67 |
| 33 | 2027-06 | 934.41 | 67.74 | 866.67 | 23400.00 |
| 34 | 2027-07 | 931.99 | 65.33 | 866.67 | 22533.33 |
| 35 | 2027-08 | 929.57 | 62.91 | 866.67 | 21666.67 |
| 36 | 2027-09 | 927.15 | 60.49 | 866.67 | 20800.00 |
| 37 | 2027-10 | 924.73 | 58.07 | 866.67 | 19933.33 |
| 38 | 2027-11 | 922.31 | 55.65 | 866.67 | 19066.67 |
| 39 | 2027-12 | 919.89 | 53.23 | 866.67 | 18200.00 |
| 40 | 2028-01 | 917.47 | 50.81 | 866.67 | 17333.33 |
| 41 | 2028-02 | 915.06 | 48.39 | 866.67 | 16466.67 |
| 42 | 2028-03 | 912.64 | 45.97 | 866.67 | 15600.00 |
| 43 | 2028-04 | 910.22 | 43.55 | 866.67 | 14733.33 |
| 44 | 2028-05 | 907.80 | 41.13 | 866.67 | 13866.67 |
| 45 | 2028-06 | 905.38 | 38.71 | 866.67 | 13000.00 |
| 46 | 2028-07 | 902.96 | 36.29 | 866.67 | 12133.33 |
| 47 | 2028-08 | 900.54 | 33.87 | 866.67 | 11266.67 |
| 48 | 2028-09 | 898.12 | 31.45 | 866.67 | 10400.00 |
| 49 | 2028-10 | 895.70 | 29.03 | 866.67 | 9533.33 |
| 50 | 2028-11 | 893.28 | 26.61 | 866.67 | 8666.67 |
| 51 | 2028-12 | 890.86 | 24.19 | 866.67 | 7800.00 |
| 52 | 2029-01 | 888.44 | 21.77 | 866.67 | 6933.33 |
| 53 | 2029-02 | 886.02 | 19.36 | 866.67 | 6066.67 |
| 54 | 2029-03 | 883.60 | 16.94 | 866.67 | 5200.00 |
| 55 | 2029-04 | 881.18 | 14.52 | 866.67 | 4333.33 |
| 56 | 2029-05 | 878.76 | 12.10 | 866.67 | 3466.67 |
| 57 | 2029-06 | 876.34 | 9.68 | 866.67 | 2600.00 |
| 58 | 2029-07 | 873.92 | 7.26 | 866.67 | 1733.33 |
| 59 | 2029-08 | 871.51 | 4.84 | 866.67 | 866.67 |
| 60 | 2029-09 | 869.09 | 2.42 | 866.67 | 0.00 |