贷款37.5万（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：37.5万
还款月数：5年
每月还款：6635.44元
利息总额：2.31万
本息合计：39.81万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 6635.44 | 743.75 | 5891.69 | 369108.31 |
| 2 | 2025-05 | 6635.44 | 732.06 | 5903.37 | 363204.94 |
| 3 | 2025-06 | 6635.44 | 720.36 | 5915.08 | 357289.86 |
| 4 | 2025-07 | 6635.44 | 708.62 | 5926.81 | 351363.05 |
| 5 | 2025-08 | 6635.44 | 696.87 | 5938.57 | 345424.48 |
| 6 | 2025-09 | 6635.44 | 685.09 | 5950.35 | 339474.13 |
| 7 | 2025-10 | 6635.44 | 673.29 | 5962.15 | 333511.99 |
| 8 | 2025-11 | 6635.44 | 661.47 | 5973.97 | 327538.02 |
| 9 | 2025-12 | 6635.44 | 649.62 | 5985.82 | 321552.19 |
| 10 | 2026-01 | 6635.44 | 637.75 | 5997.69 | 315554.50 |
| 11 | 2026-02 | 6635.44 | 625.85 | 6009.59 | 309544.92 |
| 12 | 2026-03 | 6635.44 | 613.93 | 6021.51 | 303523.41 |
| 13 | 2026-04 | 6635.44 | 601.99 | 6033.45 | 297489.96 |
| 14 | 2026-05 | 6635.44 | 590.02 | 6045.42 | 291444.54 |
| 15 | 2026-06 | 6635.44 | 578.03 | 6057.41 | 285387.14 |
| 16 | 2026-07 | 6635.44 | 566.02 | 6069.42 | 279317.72 |
| 17 | 2026-08 | 6635.44 | 553.98 | 6081.46 | 273236.26 |
| 18 | 2026-09 | 6635.44 | 541.92 | 6093.52 | 267142.74 |
| 19 | 2026-10 | 6635.44 | 529.83 | 6105.60 | 261037.14 |
| 20 | 2026-11 | 6635.44 | 517.72 | 6117.71 | 254919.42 |
| 21 | 2026-12 | 6635.44 | 505.59 | 6129.85 | 248789.58 |
| 22 | 2027-01 | 6635.44 | 493.43 | 6142.00 | 242647.57 |
| 23 | 2027-02 | 6635.44 | 481.25 | 6154.19 | 236493.39 |
| 24 | 2027-03 | 6635.44 | 469.05 | 6166.39 | 230326.99 |
| 25 | 2027-04 | 6635.44 | 456.82 | 6178.62 | 224148.37 |
| 26 | 2027-05 | 6635.44 | 444.56 | 6190.88 | 217957.50 |
| 27 | 2027-06 | 6635.44 | 432.28 | 6203.15 | 211754.34 |
| 28 | 2027-07 | 6635.44 | 419.98 | 6215.46 | 205538.88 |
| 29 | 2027-08 | 6635.44 | 407.65 | 6227.79 | 199311.10 |
| 30 | 2027-09 | 6635.44 | 395.30 | 6240.14 | 193070.96 |
| 31 | 2027-10 | 6635.44 | 382.92 | 6252.51 | 186818.45 |
| 32 | 2027-11 | 6635.44 | 370.52 | 6264.91 | 180553.53 |
| 33 | 2027-12 | 6635.44 | 358.10 | 6277.34 | 174276.19 |
| 34 | 2028-01 | 6635.44 | 345.65 | 6289.79 | 167986.40 |
| 35 | 2028-02 | 6635.44 | 333.17 | 6302.26 | 161684.14 |
| 36 | 2028-03 | 6635.44 | 320.67 | 6314.76 | 155369.38 |
| 37 | 2028-04 | 6635.44 | 308.15 | 6327.29 | 149042.09 |
| 38 | 2028-05 | 6635.44 | 295.60 | 6339.84 | 142702.25 |
| 39 | 2028-06 | 6635.44 | 283.03 | 6352.41 | 136349.84 |
| 40 | 2028-07 | 6635.44 | 270.43 | 6365.01 | 129984.83 |
| 41 | 2028-08 | 6635.44 | 257.80 | 6377.63 | 123607.20 |
| 42 | 2028-09 | 6635.44 | 245.15 | 6390.28 | 117216.91 |
| 43 | 2028-10 | 6635.44 | 232.48 | 6402.96 | 110813.95 |
| 44 | 2028-11 | 6635.44 | 219.78 | 6415.66 | 104398.30 |
| 45 | 2028-12 | 6635.44 | 207.06 | 6428.38 | 97969.92 |
| 46 | 2029-01 | 6635.44 | 194.31 | 6441.13 | 91528.79 |
| 47 | 2029-02 | 6635.44 | 181.53 | 6453.91 | 85074.88 |
| 48 | 2029-03 | 6635.44 | 168.73 | 6466.71 | 78608.18 |
| 49 | 2029-04 | 6635.44 | 155.91 | 6479.53 | 72128.65 |
| 50 | 2029-05 | 6635.44 | 143.06 | 6492.38 | 65636.26 |
| 51 | 2029-06 | 6635.44 | 130.18 | 6505.26 | 59131.00 |
| 52 | 2029-07 | 6635.44 | 117.28 | 6518.16 | 52612.84 |
| 53 | 2029-08 | 6635.44 | 104.35 | 6531.09 | 46081.76 |
| 54 | 2029-09 | 6635.44 | 91.40 | 6544.04 | 39537.71 |
| 55 | 2029-10 | 6635.44 | 78.42 | 6557.02 | 32980.69 |
| 56 | 2029-11 | 6635.44 | 65.41 | 6570.03 | 26410.67 |
| 57 | 2029-12 | 6635.44 | 52.38 | 6583.06 | 19827.61 |
| 58 | 2030-01 | 6635.44 | 39.32 | 6596.11 | 13231.50 |
| 59 | 2030-02 | 6635.44 | 26.24 | 6609.19 | 6622.30 |
| 60 | 2030-03 | 6635.44 | 13.13 | 6622.30 | 0.00 |
等额本金还款方式：
贷款总额：37.5万
还款月数：5年
首月还款：6993.75元
每月递减：12.4元
利息总额：2.27万
本息合计：39.77万
节省利息：441.87元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 6993.75 | 743.75 | 6250.00 | 368750.00 |
| 2 | 2025-05 | 6981.35 | 731.35 | 6250.00 | 362500.00 |
| 3 | 2025-06 | 6968.96 | 718.96 | 6250.00 | 356250.00 |
| 4 | 2025-07 | 6956.56 | 706.56 | 6250.00 | 350000.00 |
| 5 | 2025-08 | 6944.17 | 694.17 | 6250.00 | 343750.00 |
| 6 | 2025-09 | 6931.77 | 681.77 | 6250.00 | 337500.00 |
| 7 | 2025-10 | 6919.38 | 669.37 | 6250.00 | 331250.00 |
| 8 | 2025-11 | 6906.98 | 656.98 | 6250.00 | 325000.00 |
| 9 | 2025-12 | 6894.58 | 644.58 | 6250.00 | 318750.00 |
| 10 | 2026-01 | 6882.19 | 632.19 | 6250.00 | 312500.00 |
| 11 | 2026-02 | 6869.79 | 619.79 | 6250.00 | 306250.00 |
| 12 | 2026-03 | 6857.40 | 607.40 | 6250.00 | 300000.00 |
| 13 | 2026-04 | 6845.00 | 595.00 | 6250.00 | 293750.00 |
| 14 | 2026-05 | 6832.60 | 582.60 | 6250.00 | 287500.00 |
| 15 | 2026-06 | 6820.21 | 570.21 | 6250.00 | 281250.00 |
| 16 | 2026-07 | 6807.81 | 557.81 | 6250.00 | 275000.00 |
| 17 | 2026-08 | 6795.42 | 545.42 | 6250.00 | 268750.00 |
| 18 | 2026-09 | 6783.02 | 533.02 | 6250.00 | 262500.00 |
| 19 | 2026-10 | 6770.63 | 520.62 | 6250.00 | 256250.00 |
| 20 | 2026-11 | 6758.23 | 508.23 | 6250.00 | 250000.00 |
| 21 | 2026-12 | 6745.83 | 495.83 | 6250.00 | 243750.00 |
| 22 | 2027-01 | 6733.44 | 483.44 | 6250.00 | 237500.00 |
| 23 | 2027-02 | 6721.04 | 471.04 | 6250.00 | 231250.00 |
| 24 | 2027-03 | 6708.65 | 458.65 | 6250.00 | 225000.00 |
| 25 | 2027-04 | 6696.25 | 446.25 | 6250.00 | 218750.00 |
| 26 | 2027-05 | 6683.85 | 433.85 | 6250.00 | 212500.00 |
| 27 | 2027-06 | 6671.46 | 421.46 | 6250.00 | 206250.00 |
| 28 | 2027-07 | 6659.06 | 409.06 | 6250.00 | 200000.00 |
| 29 | 2027-08 | 6646.67 | 396.67 | 6250.00 | 193750.00 |
| 30 | 2027-09 | 6634.27 | 384.27 | 6250.00 | 187500.00 |
| 31 | 2027-10 | 6621.88 | 371.87 | 6250.00 | 181250.00 |
| 32 | 2027-11 | 6609.48 | 359.48 | 6250.00 | 175000.00 |
| 33 | 2027-12 | 6597.08 | 347.08 | 6250.00 | 168750.00 |
| 34 | 2028-01 | 6584.69 | 334.69 | 6250.00 | 162500.00 |
| 35 | 2028-02 | 6572.29 | 322.29 | 6250.00 | 156250.00 |
| 36 | 2028-03 | 6559.90 | 309.90 | 6250.00 | 150000.00 |
| 37 | 2028-04 | 6547.50 | 297.50 | 6250.00 | 143750.00 |
| 38 | 2028-05 | 6535.10 | 285.10 | 6250.00 | 137500.00 |
| 39 | 2028-06 | 6522.71 | 272.71 | 6250.00 | 131250.00 |
| 40 | 2028-07 | 6510.31 | 260.31 | 6250.00 | 125000.00 |
| 41 | 2028-08 | 6497.92 | 247.92 | 6250.00 | 118750.00 |
| 42 | 2028-09 | 6485.52 | 235.52 | 6250.00 | 112500.00 |
| 43 | 2028-10 | 6473.13 | 223.12 | 6250.00 | 106250.00 |
| 44 | 2028-11 | 6460.73 | 210.73 | 6250.00 | 100000.00 |
| 45 | 2028-12 | 6448.33 | 198.33 | 6250.00 | 93750.00 |
| 46 | 2029-01 | 6435.94 | 185.94 | 6250.00 | 87500.00 |
| 47 | 2029-02 | 6423.54 | 173.54 | 6250.00 | 81250.00 |
| 48 | 2029-03 | 6411.15 | 161.15 | 6250.00 | 75000.00 |
| 49 | 2029-04 | 6398.75 | 148.75 | 6250.00 | 68750.00 |
| 50 | 2029-05 | 6386.35 | 136.35 | 6250.00 | 62500.00 |
| 51 | 2029-06 | 6373.96 | 123.96 | 6250.00 | 56250.00 |
| 52 | 2029-07 | 6361.56 | 111.56 | 6250.00 | 50000.00 |
| 53 | 2029-08 | 6349.17 | 99.17 | 6250.00 | 43750.00 |
| 54 | 2029-09 | 6336.77 | 86.77 | 6250.00 | 37500.00 |
| 55 | 2029-10 | 6324.38 | 74.37 | 6250.00 | 31250.00 |
| 56 | 2029-11 | 6311.98 | 61.98 | 6250.00 | 25000.00 |
| 57 | 2029-12 | 6299.58 | 49.58 | 6250.00 | 18750.00 |
| 58 | 2030-01 | 6287.19 | 37.19 | 6250.00 | 12500.00 |
| 59 | 2030-02 | 6274.79 | 24.79 | 6250.00 | 6250.00 |
| 60 | 2030-03 | 6262.40 | 12.40 | 6250.00 | 0.00 |