贷款7万（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：7万
还款月数：5年
每月还款：1253.15元
利息总额：5188.86元
本息合计：7.52万
| 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 | 1253.15 | 166.25 | 1086.90 | 68913.10 |
| 2 | 2025-05 | 1253.15 | 163.67 | 1089.48 | 67823.62 |
| 3 | 2025-06 | 1253.15 | 161.08 | 1092.07 | 66731.56 |
| 4 | 2025-07 | 1253.15 | 158.49 | 1094.66 | 65636.90 |
| 5 | 2025-08 | 1253.15 | 155.89 | 1097.26 | 64539.64 |
| 6 | 2025-09 | 1253.15 | 153.28 | 1099.87 | 63439.77 |
| 7 | 2025-10 | 1253.15 | 150.67 | 1102.48 | 62337.29 |
| 8 | 2025-11 | 1253.15 | 148.05 | 1105.10 | 61232.19 |
| 9 | 2025-12 | 1253.15 | 145.43 | 1107.72 | 60124.47 |
| 10 | 2026-01 | 1253.15 | 142.80 | 1110.35 | 59014.12 |
| 11 | 2026-02 | 1253.15 | 140.16 | 1112.99 | 57901.13 |
| 12 | 2026-03 | 1253.15 | 137.52 | 1115.63 | 56785.50 |
| 13 | 2026-04 | 1253.15 | 134.87 | 1118.28 | 55667.22 |
| 14 | 2026-05 | 1253.15 | 132.21 | 1120.94 | 54546.28 |
| 15 | 2026-06 | 1253.15 | 129.55 | 1123.60 | 53422.68 |
| 16 | 2026-07 | 1253.15 | 126.88 | 1126.27 | 52296.41 |
| 17 | 2026-08 | 1253.15 | 124.20 | 1128.94 | 51167.47 |
| 18 | 2026-09 | 1253.15 | 121.52 | 1131.63 | 50035.84 |
| 19 | 2026-10 | 1253.15 | 118.84 | 1134.31 | 48901.53 |
| 20 | 2026-11 | 1253.15 | 116.14 | 1137.01 | 47764.52 |
| 21 | 2026-12 | 1253.15 | 113.44 | 1139.71 | 46624.82 |
| 22 | 2027-01 | 1253.15 | 110.73 | 1142.41 | 45482.40 |
| 23 | 2027-02 | 1253.15 | 108.02 | 1145.13 | 44337.27 |
| 24 | 2027-03 | 1253.15 | 105.30 | 1147.85 | 43189.43 |
| 25 | 2027-04 | 1253.15 | 102.57 | 1150.57 | 42038.85 |
| 26 | 2027-05 | 1253.15 | 99.84 | 1153.31 | 40885.55 |
| 27 | 2027-06 | 1253.15 | 97.10 | 1156.04 | 39729.50 |
| 28 | 2027-07 | 1253.15 | 94.36 | 1158.79 | 38570.71 |
| 29 | 2027-08 | 1253.15 | 91.61 | 1161.54 | 37409.17 |
| 30 | 2027-09 | 1253.15 | 88.85 | 1164.30 | 36244.87 |
| 31 | 2027-10 | 1253.15 | 86.08 | 1167.07 | 35077.81 |
| 32 | 2027-11 | 1253.15 | 83.31 | 1169.84 | 33907.97 |
| 33 | 2027-12 | 1253.15 | 80.53 | 1172.62 | 32735.35 |
| 34 | 2028-01 | 1253.15 | 77.75 | 1175.40 | 31559.95 |
| 35 | 2028-02 | 1253.15 | 74.95 | 1178.19 | 30381.76 |
| 36 | 2028-03 | 1253.15 | 72.16 | 1180.99 | 29200.77 |
| 37 | 2028-04 | 1253.15 | 69.35 | 1183.80 | 28016.97 |
| 38 | 2028-05 | 1253.15 | 66.54 | 1186.61 | 26830.36 |
| 39 | 2028-06 | 1253.15 | 63.72 | 1189.43 | 25640.94 |
| 40 | 2028-07 | 1253.15 | 60.90 | 1192.25 | 24448.69 |
| 41 | 2028-08 | 1253.15 | 58.07 | 1195.08 | 23253.60 |
| 42 | 2028-09 | 1253.15 | 55.23 | 1197.92 | 22055.68 |
| 43 | 2028-10 | 1253.15 | 52.38 | 1200.77 | 20854.92 |
| 44 | 2028-11 | 1253.15 | 49.53 | 1203.62 | 19651.30 |
| 45 | 2028-12 | 1253.15 | 46.67 | 1206.48 | 18444.82 |
| 46 | 2029-01 | 1253.15 | 43.81 | 1209.34 | 17235.48 |
| 47 | 2029-02 | 1253.15 | 40.93 | 1212.21 | 16023.27 |
| 48 | 2029-03 | 1253.15 | 38.06 | 1215.09 | 14808.18 |
| 49 | 2029-04 | 1253.15 | 35.17 | 1217.98 | 13590.20 |
| 50 | 2029-05 | 1253.15 | 32.28 | 1220.87 | 12369.33 |
| 51 | 2029-06 | 1253.15 | 29.38 | 1223.77 | 11145.56 |
| 52 | 2029-07 | 1253.15 | 26.47 | 1226.68 | 9918.88 |
| 53 | 2029-08 | 1253.15 | 23.56 | 1229.59 | 8689.29 |
| 54 | 2029-09 | 1253.15 | 20.64 | 1232.51 | 7456.78 |
| 55 | 2029-10 | 1253.15 | 17.71 | 1235.44 | 6221.34 |
| 56 | 2029-11 | 1253.15 | 14.78 | 1238.37 | 4982.97 |
| 57 | 2029-12 | 1253.15 | 11.83 | 1241.31 | 3741.66 |
| 58 | 2030-01 | 1253.15 | 8.89 | 1244.26 | 2497.40 |
| 59 | 2030-02 | 1253.15 | 5.93 | 1247.22 | 1250.18 |
| 60 | 2030-03 | 1253.15 | 2.97 | 1250.18 | 0.00 |
等额本金还款方式：
贷款总额：7万
还款月数：5年
首月还款：1332.92元
每月递减：2.77元
利息总额：5070.63元
本息合计：7.51万
节省利息：118.24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 | 1332.92 | 166.25 | 1166.67 | 68833.33 |
| 2 | 2025-05 | 1330.15 | 163.48 | 1166.67 | 67666.67 |
| 3 | 2025-06 | 1327.38 | 160.71 | 1166.67 | 66500.00 |
| 4 | 2025-07 | 1324.60 | 157.94 | 1166.67 | 65333.33 |
| 5 | 2025-08 | 1321.83 | 155.17 | 1166.67 | 64166.67 |
| 6 | 2025-09 | 1319.06 | 152.40 | 1166.67 | 63000.00 |
| 7 | 2025-10 | 1316.29 | 149.63 | 1166.67 | 61833.33 |
| 8 | 2025-11 | 1313.52 | 146.85 | 1166.67 | 60666.67 |
| 9 | 2025-12 | 1310.75 | 144.08 | 1166.67 | 59500.00 |
| 10 | 2026-01 | 1307.98 | 141.31 | 1166.67 | 58333.33 |
| 11 | 2026-02 | 1305.21 | 138.54 | 1166.67 | 57166.67 |
| 12 | 2026-03 | 1302.44 | 135.77 | 1166.67 | 56000.00 |
| 13 | 2026-04 | 1299.67 | 133.00 | 1166.67 | 54833.33 |
| 14 | 2026-05 | 1296.90 | 130.23 | 1166.67 | 53666.67 |
| 15 | 2026-06 | 1294.13 | 127.46 | 1166.67 | 52500.00 |
| 16 | 2026-07 | 1291.35 | 124.69 | 1166.67 | 51333.33 |
| 17 | 2026-08 | 1288.58 | 121.92 | 1166.67 | 50166.67 |
| 18 | 2026-09 | 1285.81 | 119.15 | 1166.67 | 49000.00 |
| 19 | 2026-10 | 1283.04 | 116.38 | 1166.67 | 47833.33 |
| 20 | 2026-11 | 1280.27 | 113.60 | 1166.67 | 46666.67 |
| 21 | 2026-12 | 1277.50 | 110.83 | 1166.67 | 45500.00 |
| 22 | 2027-01 | 1274.73 | 108.06 | 1166.67 | 44333.33 |
| 23 | 2027-02 | 1271.96 | 105.29 | 1166.67 | 43166.67 |
| 24 | 2027-03 | 1269.19 | 102.52 | 1166.67 | 42000.00 |
| 25 | 2027-04 | 1266.42 | 99.75 | 1166.67 | 40833.33 |
| 26 | 2027-05 | 1263.65 | 96.98 | 1166.67 | 39666.67 |
| 27 | 2027-06 | 1260.88 | 94.21 | 1166.67 | 38500.00 |
| 28 | 2027-07 | 1258.10 | 91.44 | 1166.67 | 37333.33 |
| 29 | 2027-08 | 1255.33 | 88.67 | 1166.67 | 36166.67 |
| 30 | 2027-09 | 1252.56 | 85.90 | 1166.67 | 35000.00 |
| 31 | 2027-10 | 1249.79 | 83.13 | 1166.67 | 33833.33 |
| 32 | 2027-11 | 1247.02 | 80.35 | 1166.67 | 32666.67 |
| 33 | 2027-12 | 1244.25 | 77.58 | 1166.67 | 31500.00 |
| 34 | 2028-01 | 1241.48 | 74.81 | 1166.67 | 30333.33 |
| 35 | 2028-02 | 1238.71 | 72.04 | 1166.67 | 29166.67 |
| 36 | 2028-03 | 1235.94 | 69.27 | 1166.67 | 28000.00 |
| 37 | 2028-04 | 1233.17 | 66.50 | 1166.67 | 26833.33 |
| 38 | 2028-05 | 1230.40 | 63.73 | 1166.67 | 25666.67 |
| 39 | 2028-06 | 1227.63 | 60.96 | 1166.67 | 24500.00 |
| 40 | 2028-07 | 1224.85 | 58.19 | 1166.67 | 23333.33 |
| 41 | 2028-08 | 1222.08 | 55.42 | 1166.67 | 22166.67 |
| 42 | 2028-09 | 1219.31 | 52.65 | 1166.67 | 21000.00 |
| 43 | 2028-10 | 1216.54 | 49.88 | 1166.67 | 19833.33 |
| 44 | 2028-11 | 1213.77 | 47.10 | 1166.67 | 18666.67 |
| 45 | 2028-12 | 1211.00 | 44.33 | 1166.67 | 17500.00 |
| 46 | 2029-01 | 1208.23 | 41.56 | 1166.67 | 16333.33 |
| 47 | 2029-02 | 1205.46 | 38.79 | 1166.67 | 15166.67 |
| 48 | 2029-03 | 1202.69 | 36.02 | 1166.67 | 14000.00 |
| 49 | 2029-04 | 1199.92 | 33.25 | 1166.67 | 12833.33 |
| 50 | 2029-05 | 1197.15 | 30.48 | 1166.67 | 11666.67 |
| 51 | 2029-06 | 1194.38 | 27.71 | 1166.67 | 10500.00 |
| 52 | 2029-07 | 1191.60 | 24.94 | 1166.67 | 9333.33 |
| 53 | 2029-08 | 1188.83 | 22.17 | 1166.67 | 8166.67 |
| 54 | 2029-09 | 1186.06 | 19.40 | 1166.67 | 7000.00 |
| 55 | 2029-10 | 1183.29 | 16.62 | 1166.67 | 5833.33 |
| 56 | 2029-11 | 1180.52 | 13.85 | 1166.67 | 4666.67 |
| 57 | 2029-12 | 1177.75 | 11.08 | 1166.67 | 3500.00 |
| 58 | 2030-01 | 1174.98 | 8.31 | 1166.67 | 2333.33 |
| 59 | 2030-02 | 1172.21 | 5.54 | 1166.67 | 1166.67 |
| 60 | 2030-03 | 1169.44 | 2.77 | 1166.67 | 0.00 |