深圳贷款120万（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：120万
还款月数：5年
每月还款：21217.56元
利息总额：7.31万
本息合计：127.31万
| 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 | 21217.56 | 2350.00 | 18867.56 | 1181132.44 |
| 2 | 2025-04 | 21217.56 | 2313.05 | 18904.51 | 1162227.93 |
| 3 | 2025-05 | 21217.56 | 2276.03 | 18941.53 | 1143286.40 |
| 4 | 2025-06 | 21217.56 | 2238.94 | 18978.62 | 1124307.78 |
| 5 | 2025-07 | 21217.56 | 2201.77 | 19015.79 | 1105291.99 |
| 6 | 2025-08 | 21217.56 | 2164.53 | 19053.03 | 1086238.96 |
| 7 | 2025-09 | 21217.56 | 2127.22 | 19090.34 | 1067148.62 |
| 8 | 2025-10 | 21217.56 | 2089.83 | 19127.73 | 1048020.89 |
| 9 | 2025-11 | 21217.56 | 2052.37 | 19165.19 | 1028855.70 |
| 10 | 2025-12 | 21217.56 | 2014.84 | 19202.72 | 1009652.99 |
| 11 | 2026-01 | 21217.56 | 1977.24 | 19240.32 | 990412.67 |
| 12 | 2026-02 | 21217.56 | 1939.56 | 19278.00 | 971134.66 |
| 13 | 2026-03 | 21217.56 | 1901.81 | 19315.75 | 951818.91 |
| 14 | 2026-04 | 21217.56 | 1863.98 | 19353.58 | 932465.33 |
| 15 | 2026-05 | 21217.56 | 1826.08 | 19391.48 | 913073.85 |
| 16 | 2026-06 | 21217.56 | 1788.10 | 19429.46 | 893644.39 |
| 17 | 2026-07 | 21217.56 | 1750.05 | 19467.51 | 874176.88 |
| 18 | 2026-08 | 21217.56 | 1711.93 | 19505.63 | 854671.25 |
| 19 | 2026-09 | 21217.56 | 1673.73 | 19543.83 | 835127.43 |
| 20 | 2026-10 | 21217.56 | 1635.46 | 19582.10 | 815545.32 |
| 21 | 2026-11 | 21217.56 | 1597.11 | 19620.45 | 795924.87 |
| 22 | 2026-12 | 21217.56 | 1558.69 | 19658.87 | 776266.00 |
| 23 | 2027-01 | 21217.56 | 1520.19 | 19697.37 | 756568.63 |
| 24 | 2027-02 | 21217.56 | 1481.61 | 19735.95 | 736832.68 |
| 25 | 2027-03 | 21217.56 | 1442.96 | 19774.60 | 717058.09 |
| 26 | 2027-04 | 21217.56 | 1404.24 | 19813.32 | 697244.77 |
| 27 | 2027-05 | 21217.56 | 1365.44 | 19852.12 | 677392.64 |
| 28 | 2027-06 | 21217.56 | 1326.56 | 19891.00 | 657501.65 |
| 29 | 2027-07 | 21217.56 | 1287.61 | 19929.95 | 637571.69 |
| 30 | 2027-08 | 21217.56 | 1248.58 | 19968.98 | 617602.71 |
| 31 | 2027-09 | 21217.56 | 1209.47 | 20008.09 | 597594.62 |
| 32 | 2027-10 | 21217.56 | 1170.29 | 20047.27 | 577547.35 |
| 33 | 2027-11 | 21217.56 | 1131.03 | 20086.53 | 557460.82 |
| 34 | 2027-12 | 21217.56 | 1091.69 | 20125.87 | 537334.96 |
| 35 | 2028-01 | 21217.56 | 1052.28 | 20165.28 | 517169.68 |
| 36 | 2028-02 | 21217.56 | 1012.79 | 20204.77 | 496964.91 |
| 37 | 2028-03 | 21217.56 | 973.22 | 20244.34 | 476720.58 |
| 38 | 2028-04 | 21217.56 | 933.58 | 20283.98 | 456436.59 |
| 39 | 2028-05 | 21217.56 | 893.85 | 20323.70 | 436112.89 |
| 40 | 2028-06 | 21217.56 | 854.05 | 20363.51 | 415749.38 |
| 41 | 2028-07 | 21217.56 | 814.18 | 20403.38 | 395346.00 |
| 42 | 2028-08 | 21217.56 | 774.22 | 20443.34 | 374902.66 |
| 43 | 2028-09 | 21217.56 | 734.18 | 20483.38 | 354419.28 |
| 44 | 2028-10 | 21217.56 | 694.07 | 20523.49 | 333895.80 |
| 45 | 2028-11 | 21217.56 | 653.88 | 20563.68 | 313332.12 |
| 46 | 2028-12 | 21217.56 | 613.61 | 20603.95 | 292728.16 |
| 47 | 2029-01 | 21217.56 | 573.26 | 20644.30 | 272083.86 |
| 48 | 2029-02 | 21217.56 | 532.83 | 20684.73 | 251399.14 |
| 49 | 2029-03 | 21217.56 | 492.32 | 20725.24 | 230673.90 |
| 50 | 2029-04 | 21217.56 | 451.74 | 20765.82 | 209908.08 |
| 51 | 2029-05 | 21217.56 | 411.07 | 20806.49 | 189101.59 |
| 52 | 2029-06 | 21217.56 | 370.32 | 20847.24 | 168254.35 |
| 53 | 2029-07 | 21217.56 | 329.50 | 20888.06 | 147366.29 |
| 54 | 2029-08 | 21217.56 | 288.59 | 20928.97 | 126437.32 |
| 55 | 2029-09 | 21217.56 | 247.61 | 20969.95 | 105467.37 |
| 56 | 2029-10 | 21217.56 | 206.54 | 21011.02 | 84456.35 |
| 57 | 2029-11 | 21217.56 | 165.39 | 21052.17 | 63404.18 |
| 58 | 2029-12 | 21217.56 | 124.17 | 21093.39 | 42310.79 |
| 59 | 2030-01 | 21217.56 | 82.86 | 21134.70 | 21176.09 |
| 60 | 2030-02 | 21217.56 | 41.47 | 21176.09 | 0.00 |
等额本金还款方式：
贷款总额：120万
还款月数：5年
首月还款：22350元
每月递减：39.17元
利息总额：7.17万
本息合计：127.17万
节省利息：1378.58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 | 22350.00 | 2350.00 | 20000.00 | 1180000.00 |
| 2 | 2025-04 | 22310.83 | 2310.83 | 20000.00 | 1160000.00 |
| 3 | 2025-05 | 22271.67 | 2271.67 | 20000.00 | 1140000.00 |
| 4 | 2025-06 | 22232.50 | 2232.50 | 20000.00 | 1120000.00 |
| 5 | 2025-07 | 22193.33 | 2193.33 | 20000.00 | 1100000.00 |
| 6 | 2025-08 | 22154.17 | 2154.17 | 20000.00 | 1080000.00 |
| 7 | 2025-09 | 22115.00 | 2115.00 | 20000.00 | 1060000.00 |
| 8 | 2025-10 | 22075.83 | 2075.83 | 20000.00 | 1040000.00 |
| 9 | 2025-11 | 22036.67 | 2036.67 | 20000.00 | 1020000.00 |
| 10 | 2025-12 | 21997.50 | 1997.50 | 20000.00 | 1000000.00 |
| 11 | 2026-01 | 21958.33 | 1958.33 | 20000.00 | 980000.00 |
| 12 | 2026-02 | 21919.17 | 1919.17 | 20000.00 | 960000.00 |
| 13 | 2026-03 | 21880.00 | 1880.00 | 20000.00 | 940000.00 |
| 14 | 2026-04 | 21840.83 | 1840.83 | 20000.00 | 920000.00 |
| 15 | 2026-05 | 21801.67 | 1801.67 | 20000.00 | 900000.00 |
| 16 | 2026-06 | 21762.50 | 1762.50 | 20000.00 | 880000.00 |
| 17 | 2026-07 | 21723.33 | 1723.33 | 20000.00 | 860000.00 |
| 18 | 2026-08 | 21684.17 | 1684.17 | 20000.00 | 840000.00 |
| 19 | 2026-09 | 21645.00 | 1645.00 | 20000.00 | 820000.00 |
| 20 | 2026-10 | 21605.83 | 1605.83 | 20000.00 | 800000.00 |
| 21 | 2026-11 | 21566.67 | 1566.67 | 20000.00 | 780000.00 |
| 22 | 2026-12 | 21527.50 | 1527.50 | 20000.00 | 760000.00 |
| 23 | 2027-01 | 21488.33 | 1488.33 | 20000.00 | 740000.00 |
| 24 | 2027-02 | 21449.17 | 1449.17 | 20000.00 | 720000.00 |
| 25 | 2027-03 | 21410.00 | 1410.00 | 20000.00 | 700000.00 |
| 26 | 2027-04 | 21370.83 | 1370.83 | 20000.00 | 680000.00 |
| 27 | 2027-05 | 21331.67 | 1331.67 | 20000.00 | 660000.00 |
| 28 | 2027-06 | 21292.50 | 1292.50 | 20000.00 | 640000.00 |
| 29 | 2027-07 | 21253.33 | 1253.33 | 20000.00 | 620000.00 |
| 30 | 2027-08 | 21214.17 | 1214.17 | 20000.00 | 600000.00 |
| 31 | 2027-09 | 21175.00 | 1175.00 | 20000.00 | 580000.00 |
| 32 | 2027-10 | 21135.83 | 1135.83 | 20000.00 | 560000.00 |
| 33 | 2027-11 | 21096.67 | 1096.67 | 20000.00 | 540000.00 |
| 34 | 2027-12 | 21057.50 | 1057.50 | 20000.00 | 520000.00 |
| 35 | 2028-01 | 21018.33 | 1018.33 | 20000.00 | 500000.00 |
| 36 | 2028-02 | 20979.17 | 979.17 | 20000.00 | 480000.00 |
| 37 | 2028-03 | 20940.00 | 940.00 | 20000.00 | 460000.00 |
| 38 | 2028-04 | 20900.83 | 900.83 | 20000.00 | 440000.00 |
| 39 | 2028-05 | 20861.67 | 861.67 | 20000.00 | 420000.00 |
| 40 | 2028-06 | 20822.50 | 822.50 | 20000.00 | 400000.00 |
| 41 | 2028-07 | 20783.33 | 783.33 | 20000.00 | 380000.00 |
| 42 | 2028-08 | 20744.17 | 744.17 | 20000.00 | 360000.00 |
| 43 | 2028-09 | 20705.00 | 705.00 | 20000.00 | 340000.00 |
| 44 | 2028-10 | 20665.83 | 665.83 | 20000.00 | 320000.00 |
| 45 | 2028-11 | 20626.67 | 626.67 | 20000.00 | 300000.00 |
| 46 | 2028-12 | 20587.50 | 587.50 | 20000.00 | 280000.00 |
| 47 | 2029-01 | 20548.33 | 548.33 | 20000.00 | 260000.00 |
| 48 | 2029-02 | 20509.17 | 509.17 | 20000.00 | 240000.00 |
| 49 | 2029-03 | 20470.00 | 470.00 | 20000.00 | 220000.00 |
| 50 | 2029-04 | 20430.83 | 430.83 | 20000.00 | 200000.00 |
| 51 | 2029-05 | 20391.67 | 391.67 | 20000.00 | 180000.00 |
| 52 | 2029-06 | 20352.50 | 352.50 | 20000.00 | 160000.00 |
| 53 | 2029-07 | 20313.33 | 313.33 | 20000.00 | 140000.00 |
| 54 | 2029-08 | 20274.17 | 274.17 | 20000.00 | 120000.00 |
| 55 | 2029-09 | 20235.00 | 235.00 | 20000.00 | 100000.00 |
| 56 | 2029-10 | 20195.83 | 195.83 | 20000.00 | 80000.00 |
| 57 | 2029-11 | 20156.67 | 156.67 | 20000.00 | 60000.00 |
| 58 | 2029-12 | 20117.50 | 117.50 | 20000.00 | 40000.00 |
| 59 | 2030-01 | 20078.33 | 78.33 | 20000.00 | 20000.00 |
| 60 | 2030-02 | 20039.17 | 39.17 | 20000.00 | 0.00 |