贷款5.5万（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：5.5万
还款月数：5年
每月还款：996.86元
利息总额：4811.34元
本息合计：5.98万
| 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 | 996.86 | 153.54 | 843.31 | 54156.69 |
| 2 | 2024-11 | 996.86 | 151.19 | 845.67 | 53311.02 |
| 3 | 2024-12 | 996.86 | 148.83 | 848.03 | 52462.99 |
| 4 | 2025-01 | 996.86 | 146.46 | 850.40 | 51612.59 |
| 5 | 2025-02 | 996.86 | 144.09 | 852.77 | 50759.82 |
| 6 | 2025-03 | 996.86 | 141.70 | 855.15 | 49904.67 |
| 7 | 2025-04 | 996.86 | 139.32 | 857.54 | 49047.13 |
| 8 | 2025-05 | 996.86 | 136.92 | 859.93 | 48187.20 |
| 9 | 2025-06 | 996.86 | 134.52 | 862.33 | 47324.87 |
| 10 | 2025-07 | 996.86 | 132.12 | 864.74 | 46460.13 |
| 11 | 2025-08 | 996.86 | 129.70 | 867.15 | 45592.97 |
| 12 | 2025-09 | 996.86 | 127.28 | 869.58 | 44723.40 |
| 13 | 2025-10 | 996.86 | 124.85 | 872.00 | 43851.39 |
| 14 | 2025-11 | 996.86 | 122.42 | 874.44 | 42976.96 |
| 15 | 2025-12 | 996.86 | 119.98 | 876.88 | 42100.08 |
| 16 | 2026-01 | 996.86 | 117.53 | 879.33 | 41220.75 |
| 17 | 2026-02 | 996.86 | 115.07 | 881.78 | 40338.97 |
| 18 | 2026-03 | 996.86 | 112.61 | 884.24 | 39454.73 |
| 19 | 2026-04 | 996.86 | 110.14 | 886.71 | 38568.02 |
| 20 | 2026-05 | 996.86 | 107.67 | 889.19 | 37678.83 |
| 21 | 2026-06 | 996.86 | 105.19 | 891.67 | 36787.16 |
| 22 | 2026-07 | 996.86 | 102.70 | 894.16 | 35893.00 |
| 23 | 2026-08 | 996.86 | 100.20 | 896.65 | 34996.35 |
| 24 | 2026-09 | 996.86 | 97.70 | 899.16 | 34097.19 |
| 25 | 2026-10 | 996.86 | 95.19 | 901.67 | 33195.52 |
| 26 | 2026-11 | 996.86 | 92.67 | 904.18 | 32291.34 |
| 27 | 2026-12 | 996.86 | 90.15 | 906.71 | 31384.63 |
| 28 | 2027-01 | 996.86 | 87.62 | 909.24 | 30475.39 |
| 29 | 2027-02 | 996.86 | 85.08 | 911.78 | 29563.61 |
| 30 | 2027-03 | 996.86 | 82.53 | 914.32 | 28649.29 |
| 31 | 2027-04 | 996.86 | 79.98 | 916.88 | 27732.41 |
| 32 | 2027-05 | 996.86 | 77.42 | 919.44 | 26812.98 |
| 33 | 2027-06 | 996.86 | 74.85 | 922.00 | 25890.97 |
| 34 | 2027-07 | 996.86 | 72.28 | 924.58 | 24966.40 |
| 35 | 2027-08 | 996.86 | 69.70 | 927.16 | 24039.24 |
| 36 | 2027-09 | 996.86 | 67.11 | 929.75 | 23109.49 |
| 37 | 2027-10 | 996.86 | 64.51 | 932.34 | 22177.15 |
| 38 | 2027-11 | 996.86 | 61.91 | 934.94 | 21242.21 |
| 39 | 2027-12 | 996.86 | 59.30 | 937.55 | 20304.65 |
| 40 | 2028-01 | 996.86 | 56.68 | 940.17 | 19364.48 |
| 41 | 2028-02 | 996.86 | 54.06 | 942.80 | 18421.68 |
| 42 | 2028-03 | 996.86 | 51.43 | 945.43 | 17476.26 |
| 43 | 2028-04 | 996.86 | 48.79 | 948.07 | 16528.19 |
| 44 | 2028-05 | 996.86 | 46.14 | 950.71 | 15577.47 |
| 45 | 2028-06 | 996.86 | 43.49 | 953.37 | 14624.10 |
| 46 | 2028-07 | 996.86 | 40.83 | 956.03 | 13668.07 |
| 47 | 2028-08 | 996.86 | 38.16 | 958.70 | 12709.38 |
| 48 | 2028-09 | 996.86 | 35.48 | 961.38 | 11748.00 |
| 49 | 2028-10 | 996.86 | 32.80 | 964.06 | 10783.94 |
| 50 | 2028-11 | 996.86 | 30.11 | 966.75 | 9817.19 |
| 51 | 2028-12 | 996.86 | 27.41 | 969.45 | 8847.74 |
| 52 | 2029-01 | 996.86 | 24.70 | 972.16 | 7875.59 |
| 53 | 2029-02 | 996.86 | 21.99 | 974.87 | 6900.72 |
| 54 | 2029-03 | 996.86 | 19.26 | 977.59 | 5923.13 |
| 55 | 2029-04 | 996.86 | 16.54 | 980.32 | 4942.81 |
| 56 | 2029-05 | 996.86 | 13.80 | 983.06 | 3959.75 |
| 57 | 2029-06 | 996.86 | 11.05 | 985.80 | 2973.95 |
| 58 | 2029-07 | 996.86 | 8.30 | 988.55 | 1985.39 |
| 59 | 2029-08 | 996.86 | 5.54 | 991.31 | 994.08 |
| 60 | 2029-09 | 996.86 | 2.78 | 994.08 | 0.00 |
等额本金还款方式：
贷款总额：5.5万
还款月数：5年
首月还款：1070.21元
每月递减：2.56元
利息总额：4683.02元
本息合计：5.97万
节省利息：128.32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 | 1070.21 | 153.54 | 916.67 | 54083.33 |
| 2 | 2024-11 | 1067.65 | 150.98 | 916.67 | 53166.67 |
| 3 | 2024-12 | 1065.09 | 148.42 | 916.67 | 52250.00 |
| 4 | 2025-01 | 1062.53 | 145.86 | 916.67 | 51333.33 |
| 5 | 2025-02 | 1059.97 | 143.31 | 916.67 | 50416.67 |
| 6 | 2025-03 | 1057.41 | 140.75 | 916.67 | 49500.00 |
| 7 | 2025-04 | 1054.85 | 138.19 | 916.67 | 48583.33 |
| 8 | 2025-05 | 1052.30 | 135.63 | 916.67 | 47666.67 |
| 9 | 2025-06 | 1049.74 | 133.07 | 916.67 | 46750.00 |
| 10 | 2025-07 | 1047.18 | 130.51 | 916.67 | 45833.33 |
| 11 | 2025-08 | 1044.62 | 127.95 | 916.67 | 44916.67 |
| 12 | 2025-09 | 1042.06 | 125.39 | 916.67 | 44000.00 |
| 13 | 2025-10 | 1039.50 | 122.83 | 916.67 | 43083.33 |
| 14 | 2025-11 | 1036.94 | 120.27 | 916.67 | 42166.67 |
| 15 | 2025-12 | 1034.38 | 117.72 | 916.67 | 41250.00 |
| 16 | 2026-01 | 1031.82 | 115.16 | 916.67 | 40333.33 |
| 17 | 2026-02 | 1029.26 | 112.60 | 916.67 | 39416.67 |
| 18 | 2026-03 | 1026.70 | 110.04 | 916.67 | 38500.00 |
| 19 | 2026-04 | 1024.15 | 107.48 | 916.67 | 37583.33 |
| 20 | 2026-05 | 1021.59 | 104.92 | 916.67 | 36666.67 |
| 21 | 2026-06 | 1019.03 | 102.36 | 916.67 | 35750.00 |
| 22 | 2026-07 | 1016.47 | 99.80 | 916.67 | 34833.33 |
| 23 | 2026-08 | 1013.91 | 97.24 | 916.67 | 33916.67 |
| 24 | 2026-09 | 1011.35 | 94.68 | 916.67 | 33000.00 |
| 25 | 2026-10 | 1008.79 | 92.13 | 916.67 | 32083.33 |
| 26 | 2026-11 | 1006.23 | 89.57 | 916.67 | 31166.67 |
| 27 | 2026-12 | 1003.67 | 87.01 | 916.67 | 30250.00 |
| 28 | 2027-01 | 1001.11 | 84.45 | 916.67 | 29333.33 |
| 29 | 2027-02 | 998.56 | 81.89 | 916.67 | 28416.67 |
| 30 | 2027-03 | 996.00 | 79.33 | 916.67 | 27500.00 |
| 31 | 2027-04 | 993.44 | 76.77 | 916.67 | 26583.33 |
| 32 | 2027-05 | 990.88 | 74.21 | 916.67 | 25666.67 |
| 33 | 2027-06 | 988.32 | 71.65 | 916.67 | 24750.00 |
| 34 | 2027-07 | 985.76 | 69.09 | 916.67 | 23833.33 |
| 35 | 2027-08 | 983.20 | 66.53 | 916.67 | 22916.67 |
| 36 | 2027-09 | 980.64 | 63.98 | 916.67 | 22000.00 |
| 37 | 2027-10 | 978.08 | 61.42 | 916.67 | 21083.33 |
| 38 | 2027-11 | 975.52 | 58.86 | 916.67 | 20166.67 |
| 39 | 2027-12 | 972.97 | 56.30 | 916.67 | 19250.00 |
| 40 | 2028-01 | 970.41 | 53.74 | 916.67 | 18333.33 |
| 41 | 2028-02 | 967.85 | 51.18 | 916.67 | 17416.67 |
| 42 | 2028-03 | 965.29 | 48.62 | 916.67 | 16500.00 |
| 43 | 2028-04 | 962.73 | 46.06 | 916.67 | 15583.33 |
| 44 | 2028-05 | 960.17 | 43.50 | 916.67 | 14666.67 |
| 45 | 2028-06 | 957.61 | 40.94 | 916.67 | 13750.00 |
| 46 | 2028-07 | 955.05 | 38.39 | 916.67 | 12833.33 |
| 47 | 2028-08 | 952.49 | 35.83 | 916.67 | 11916.67 |
| 48 | 2028-09 | 949.93 | 33.27 | 916.67 | 11000.00 |
| 49 | 2028-10 | 947.38 | 30.71 | 916.67 | 10083.33 |
| 50 | 2028-11 | 944.82 | 28.15 | 916.67 | 9166.67 |
| 51 | 2028-12 | 942.26 | 25.59 | 916.67 | 8250.00 |
| 52 | 2029-01 | 939.70 | 23.03 | 916.67 | 7333.33 |
| 53 | 2029-02 | 937.14 | 20.47 | 916.67 | 6416.67 |
| 54 | 2029-03 | 934.58 | 17.91 | 916.67 | 5500.00 |
| 55 | 2029-04 | 932.02 | 15.35 | 916.67 | 4583.33 |
| 56 | 2029-05 | 929.46 | 12.80 | 916.67 | 3666.67 |
| 57 | 2029-06 | 926.90 | 10.24 | 916.67 | 2750.00 |
| 58 | 2029-07 | 924.34 | 7.68 | 916.67 | 1833.33 |
| 59 | 2029-08 | 921.78 | 5.12 | 916.67 | 916.67 |
| 60 | 2029-09 | 919.23 | 2.56 | 916.67 | 0.00 |
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