贷款72万（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：72万
还款月数：5年
每月还款：12730.54元
利息总额：4.38万
本息合计：76.38万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 12730.54 | 1410.00 | 11320.54 | 708679.46 |
| 2 | 2025-04 | 12730.54 | 1387.83 | 11342.71 | 697336.76 |
| 3 | 2025-05 | 12730.54 | 1365.62 | 11364.92 | 685971.84 |
| 4 | 2025-06 | 12730.54 | 1343.36 | 11387.17 | 674584.67 |
| 5 | 2025-07 | 12730.54 | 1321.06 | 11409.47 | 663175.19 |
| 6 | 2025-08 | 12730.54 | 1298.72 | 11431.82 | 651743.38 |
| 7 | 2025-09 | 12730.54 | 1276.33 | 11454.20 | 640289.17 |
| 8 | 2025-10 | 12730.54 | 1253.90 | 11476.64 | 628812.53 |
| 9 | 2025-11 | 12730.54 | 1231.42 | 11499.11 | 617313.42 |
| 10 | 2025-12 | 12730.54 | 1208.91 | 11521.63 | 605791.79 |
| 11 | 2026-01 | 12730.54 | 1186.34 | 11544.19 | 594247.60 |
| 12 | 2026-02 | 12730.54 | 1163.73 | 11566.80 | 582680.80 |
| 13 | 2026-03 | 12730.54 | 1141.08 | 11589.45 | 571091.35 |
| 14 | 2026-04 | 12730.54 | 1118.39 | 11612.15 | 559479.20 |
| 15 | 2026-05 | 12730.54 | 1095.65 | 11634.89 | 547844.31 |
| 16 | 2026-06 | 12730.54 | 1072.86 | 11657.67 | 536186.63 |
| 17 | 2026-07 | 12730.54 | 1050.03 | 11680.50 | 524506.13 |
| 18 | 2026-08 | 12730.54 | 1027.16 | 11703.38 | 512802.75 |
| 19 | 2026-09 | 12730.54 | 1004.24 | 11726.30 | 501076.46 |
| 20 | 2026-10 | 12730.54 | 981.27 | 11749.26 | 489327.19 |
| 21 | 2026-11 | 12730.54 | 958.27 | 11772.27 | 477554.92 |
| 22 | 2026-12 | 12730.54 | 935.21 | 11795.32 | 465759.60 |
| 23 | 2027-01 | 12730.54 | 912.11 | 11818.42 | 453941.18 |
| 24 | 2027-02 | 12730.54 | 888.97 | 11841.57 | 442099.61 |
| 25 | 2027-03 | 12730.54 | 865.78 | 11864.76 | 430234.85 |
| 26 | 2027-04 | 12730.54 | 842.54 | 11887.99 | 418346.86 |
| 27 | 2027-05 | 12730.54 | 819.26 | 11911.27 | 406435.59 |
| 28 | 2027-06 | 12730.54 | 795.94 | 11934.60 | 394500.99 |
| 29 | 2027-07 | 12730.54 | 772.56 | 11957.97 | 382543.02 |
| 30 | 2027-08 | 12730.54 | 749.15 | 11981.39 | 370561.63 |
| 31 | 2027-09 | 12730.54 | 725.68 | 12004.85 | 358556.77 |
| 32 | 2027-10 | 12730.54 | 702.17 | 12028.36 | 346528.41 |
| 33 | 2027-11 | 12730.54 | 678.62 | 12051.92 | 334476.49 |
| 34 | 2027-12 | 12730.54 | 655.02 | 12075.52 | 322400.98 |
| 35 | 2028-01 | 12730.54 | 631.37 | 12099.17 | 310301.81 |
| 36 | 2028-02 | 12730.54 | 607.67 | 12122.86 | 298178.95 |
| 37 | 2028-03 | 12730.54 | 583.93 | 12146.60 | 286032.35 |
| 38 | 2028-04 | 12730.54 | 560.15 | 12170.39 | 273861.96 |
| 39 | 2028-05 | 12730.54 | 536.31 | 12194.22 | 261667.73 |
| 40 | 2028-06 | 12730.54 | 512.43 | 12218.10 | 249449.63 |
| 41 | 2028-07 | 12730.54 | 488.51 | 12242.03 | 237207.60 |
| 42 | 2028-08 | 12730.54 | 464.53 | 12266.00 | 224941.60 |
| 43 | 2028-09 | 12730.54 | 440.51 | 12290.03 | 212651.57 |
| 44 | 2028-10 | 12730.54 | 416.44 | 12314.09 | 200337.48 |
| 45 | 2028-11 | 12730.54 | 392.33 | 12338.21 | 187999.27 |
| 46 | 2028-12 | 12730.54 | 368.17 | 12362.37 | 175636.90 |
| 47 | 2029-01 | 12730.54 | 343.96 | 12386.58 | 163250.32 |
| 48 | 2029-02 | 12730.54 | 319.70 | 12410.84 | 150839.48 |
| 49 | 2029-03 | 12730.54 | 295.39 | 12435.14 | 138404.34 |
| 50 | 2029-04 | 12730.54 | 271.04 | 12459.49 | 125944.85 |
| 51 | 2029-05 | 12730.54 | 246.64 | 12483.89 | 113460.95 |
| 52 | 2029-06 | 12730.54 | 222.19 | 12508.34 | 100952.61 |
| 53 | 2029-07 | 12730.54 | 197.70 | 12532.84 | 88419.77 |
| 54 | 2029-08 | 12730.54 | 173.16 | 12557.38 | 75862.39 |
| 55 | 2029-09 | 12730.54 | 148.56 | 12581.97 | 63280.42 |
| 56 | 2029-10 | 12730.54 | 123.92 | 12606.61 | 50673.81 |
| 57 | 2029-11 | 12730.54 | 99.24 | 12631.30 | 38042.51 |
| 58 | 2029-12 | 12730.54 | 74.50 | 12656.04 | 25386.47 |
| 59 | 2030-01 | 12730.54 | 49.72 | 12680.82 | 12705.65 |
| 60 | 2030-02 | 12730.54 | 24.88 | 12705.65 | 0.00 |
等额本金还款方式：
贷款总额：72万
还款月数：5年
首月还款：13410元
每月递减：23.5元
利息总额：4.3万
本息合计：76.3万
节省利息：827.15元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 13410.00 | 1410.00 | 12000.00 | 708000.00 |
| 2 | 2025-04 | 13386.50 | 1386.50 | 12000.00 | 696000.00 |
| 3 | 2025-05 | 13363.00 | 1363.00 | 12000.00 | 684000.00 |
| 4 | 2025-06 | 13339.50 | 1339.50 | 12000.00 | 672000.00 |
| 5 | 2025-07 | 13316.00 | 1316.00 | 12000.00 | 660000.00 |
| 6 | 2025-08 | 13292.50 | 1292.50 | 12000.00 | 648000.00 |
| 7 | 2025-09 | 13269.00 | 1269.00 | 12000.00 | 636000.00 |
| 8 | 2025-10 | 13245.50 | 1245.50 | 12000.00 | 624000.00 |
| 9 | 2025-11 | 13222.00 | 1222.00 | 12000.00 | 612000.00 |
| 10 | 2025-12 | 13198.50 | 1198.50 | 12000.00 | 600000.00 |
| 11 | 2026-01 | 13175.00 | 1175.00 | 12000.00 | 588000.00 |
| 12 | 2026-02 | 13151.50 | 1151.50 | 12000.00 | 576000.00 |
| 13 | 2026-03 | 13128.00 | 1128.00 | 12000.00 | 564000.00 |
| 14 | 2026-04 | 13104.50 | 1104.50 | 12000.00 | 552000.00 |
| 15 | 2026-05 | 13081.00 | 1081.00 | 12000.00 | 540000.00 |
| 16 | 2026-06 | 13057.50 | 1057.50 | 12000.00 | 528000.00 |
| 17 | 2026-07 | 13034.00 | 1034.00 | 12000.00 | 516000.00 |
| 18 | 2026-08 | 13010.50 | 1010.50 | 12000.00 | 504000.00 |
| 19 | 2026-09 | 12987.00 | 987.00 | 12000.00 | 492000.00 |
| 20 | 2026-10 | 12963.50 | 963.50 | 12000.00 | 480000.00 |
| 21 | 2026-11 | 12940.00 | 940.00 | 12000.00 | 468000.00 |
| 22 | 2026-12 | 12916.50 | 916.50 | 12000.00 | 456000.00 |
| 23 | 2027-01 | 12893.00 | 893.00 | 12000.00 | 444000.00 |
| 24 | 2027-02 | 12869.50 | 869.50 | 12000.00 | 432000.00 |
| 25 | 2027-03 | 12846.00 | 846.00 | 12000.00 | 420000.00 |
| 26 | 2027-04 | 12822.50 | 822.50 | 12000.00 | 408000.00 |
| 27 | 2027-05 | 12799.00 | 799.00 | 12000.00 | 396000.00 |
| 28 | 2027-06 | 12775.50 | 775.50 | 12000.00 | 384000.00 |
| 29 | 2027-07 | 12752.00 | 752.00 | 12000.00 | 372000.00 |
| 30 | 2027-08 | 12728.50 | 728.50 | 12000.00 | 360000.00 |
| 31 | 2027-09 | 12705.00 | 705.00 | 12000.00 | 348000.00 |
| 32 | 2027-10 | 12681.50 | 681.50 | 12000.00 | 336000.00 |
| 33 | 2027-11 | 12658.00 | 658.00 | 12000.00 | 324000.00 |
| 34 | 2027-12 | 12634.50 | 634.50 | 12000.00 | 312000.00 |
| 35 | 2028-01 | 12611.00 | 611.00 | 12000.00 | 300000.00 |
| 36 | 2028-02 | 12587.50 | 587.50 | 12000.00 | 288000.00 |
| 37 | 2028-03 | 12564.00 | 564.00 | 12000.00 | 276000.00 |
| 38 | 2028-04 | 12540.50 | 540.50 | 12000.00 | 264000.00 |
| 39 | 2028-05 | 12517.00 | 517.00 | 12000.00 | 252000.00 |
| 40 | 2028-06 | 12493.50 | 493.50 | 12000.00 | 240000.00 |
| 41 | 2028-07 | 12470.00 | 470.00 | 12000.00 | 228000.00 |
| 42 | 2028-08 | 12446.50 | 446.50 | 12000.00 | 216000.00 |
| 43 | 2028-09 | 12423.00 | 423.00 | 12000.00 | 204000.00 |
| 44 | 2028-10 | 12399.50 | 399.50 | 12000.00 | 192000.00 |
| 45 | 2028-11 | 12376.00 | 376.00 | 12000.00 | 180000.00 |
| 46 | 2028-12 | 12352.50 | 352.50 | 12000.00 | 168000.00 |
| 47 | 2029-01 | 12329.00 | 329.00 | 12000.00 | 156000.00 |
| 48 | 2029-02 | 12305.50 | 305.50 | 12000.00 | 144000.00 |
| 49 | 2029-03 | 12282.00 | 282.00 | 12000.00 | 132000.00 |
| 50 | 2029-04 | 12258.50 | 258.50 | 12000.00 | 120000.00 |
| 51 | 2029-05 | 12235.00 | 235.00 | 12000.00 | 108000.00 |
| 52 | 2029-06 | 12211.50 | 211.50 | 12000.00 | 96000.00 |
| 53 | 2029-07 | 12188.00 | 188.00 | 12000.00 | 84000.00 |
| 54 | 2029-08 | 12164.50 | 164.50 | 12000.00 | 72000.00 |
| 55 | 2029-09 | 12141.00 | 141.00 | 12000.00 | 60000.00 |
| 56 | 2029-10 | 12117.50 | 117.50 | 12000.00 | 48000.00 |
| 57 | 2029-11 | 12094.00 | 94.00 | 12000.00 | 36000.00 |
| 58 | 2029-12 | 12070.50 | 70.50 | 12000.00 | 24000.00 |
| 59 | 2030-01 | 12047.00 | 47.00 | 12000.00 | 12000.00 |
| 60 | 2030-02 | 12023.50 | 23.50 | 12000.00 | 0.00 |