贷款11.8万（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：11.8万
还款月数：5年
每月还款：2112.45元
利息总额：8746.94元
本息合计：12.67万
| 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 | 2112.45 | 280.25 | 1832.20 | 116167.80 |
| 2 | 2025-05 | 2112.45 | 275.90 | 1836.55 | 114331.25 |
| 3 | 2025-06 | 2112.45 | 271.54 | 1840.91 | 112490.34 |
| 4 | 2025-07 | 2112.45 | 267.16 | 1845.28 | 110645.05 |
| 5 | 2025-08 | 2112.45 | 262.78 | 1849.67 | 108795.39 |
| 6 | 2025-09 | 2112.45 | 258.39 | 1854.06 | 106941.33 |
| 7 | 2025-10 | 2112.45 | 253.99 | 1858.46 | 105082.86 |
| 8 | 2025-11 | 2112.45 | 249.57 | 1862.88 | 103219.99 |
| 9 | 2025-12 | 2112.45 | 245.15 | 1867.30 | 101352.68 |
| 10 | 2026-01 | 2112.45 | 240.71 | 1871.74 | 99480.95 |
| 11 | 2026-02 | 2112.45 | 236.27 | 1876.18 | 97604.77 |
| 12 | 2026-03 | 2112.45 | 231.81 | 1880.64 | 95724.13 |
| 13 | 2026-04 | 2112.45 | 227.34 | 1885.10 | 93839.02 |
| 14 | 2026-05 | 2112.45 | 222.87 | 1889.58 | 91949.44 |
| 15 | 2026-06 | 2112.45 | 218.38 | 1894.07 | 90055.37 |
| 16 | 2026-07 | 2112.45 | 213.88 | 1898.57 | 88156.81 |
| 17 | 2026-08 | 2112.45 | 209.37 | 1903.08 | 86253.73 |
| 18 | 2026-09 | 2112.45 | 204.85 | 1907.60 | 84346.13 |
| 19 | 2026-10 | 2112.45 | 200.32 | 1912.13 | 82434.01 |
| 20 | 2026-11 | 2112.45 | 195.78 | 1916.67 | 80517.34 |
| 21 | 2026-12 | 2112.45 | 191.23 | 1921.22 | 78596.12 |
| 22 | 2027-01 | 2112.45 | 186.67 | 1925.78 | 76670.33 |
| 23 | 2027-02 | 2112.45 | 182.09 | 1930.36 | 74739.98 |
| 24 | 2027-03 | 2112.45 | 177.51 | 1934.94 | 72805.04 |
| 25 | 2027-04 | 2112.45 | 172.91 | 1939.54 | 70865.50 |
| 26 | 2027-05 | 2112.45 | 168.31 | 1944.14 | 68921.35 |
| 27 | 2027-06 | 2112.45 | 163.69 | 1948.76 | 66972.59 |
| 28 | 2027-07 | 2112.45 | 159.06 | 1953.39 | 65019.20 |
| 29 | 2027-08 | 2112.45 | 154.42 | 1958.03 | 63061.18 |
| 30 | 2027-09 | 2112.45 | 149.77 | 1962.68 | 61098.50 |
| 31 | 2027-10 | 2112.45 | 145.11 | 1967.34 | 59131.16 |
| 32 | 2027-11 | 2112.45 | 140.44 | 1972.01 | 57159.14 |
| 33 | 2027-12 | 2112.45 | 135.75 | 1976.70 | 55182.45 |
| 34 | 2028-01 | 2112.45 | 131.06 | 1981.39 | 53201.06 |
| 35 | 2028-02 | 2112.45 | 126.35 | 1986.10 | 51214.96 |
| 36 | 2028-03 | 2112.45 | 121.64 | 1990.81 | 49224.15 |
| 37 | 2028-04 | 2112.45 | 116.91 | 1995.54 | 47228.61 |
| 38 | 2028-05 | 2112.45 | 112.17 | 2000.28 | 45228.32 |
| 39 | 2028-06 | 2112.45 | 107.42 | 2005.03 | 43223.29 |
| 40 | 2028-07 | 2112.45 | 102.66 | 2009.79 | 41213.50 |
| 41 | 2028-08 | 2112.45 | 97.88 | 2014.57 | 39198.93 |
| 42 | 2028-09 | 2112.45 | 93.10 | 2019.35 | 37179.58 |
| 43 | 2028-10 | 2112.45 | 88.30 | 2024.15 | 35155.43 |
| 44 | 2028-11 | 2112.45 | 83.49 | 2028.95 | 33126.48 |
| 45 | 2028-12 | 2112.45 | 78.68 | 2033.77 | 31092.70 |
| 46 | 2029-01 | 2112.45 | 73.85 | 2038.60 | 29054.10 |
| 47 | 2029-02 | 2112.45 | 69.00 | 2043.45 | 27010.66 |
| 48 | 2029-03 | 2112.45 | 64.15 | 2048.30 | 24962.36 |
| 49 | 2029-04 | 2112.45 | 59.29 | 2053.16 | 22909.19 |
| 50 | 2029-05 | 2112.45 | 54.41 | 2058.04 | 20851.15 |
| 51 | 2029-06 | 2112.45 | 49.52 | 2062.93 | 18788.23 |
| 52 | 2029-07 | 2112.45 | 44.62 | 2067.83 | 16720.40 |
| 53 | 2029-08 | 2112.45 | 39.71 | 2072.74 | 14647.66 |
| 54 | 2029-09 | 2112.45 | 34.79 | 2077.66 | 12570.00 |
| 55 | 2029-10 | 2112.45 | 29.85 | 2082.60 | 10487.40 |
| 56 | 2029-11 | 2112.45 | 24.91 | 2087.54 | 8399.86 |
| 57 | 2029-12 | 2112.45 | 19.95 | 2092.50 | 6307.36 |
| 58 | 2030-01 | 2112.45 | 14.98 | 2097.47 | 4209.89 |
| 59 | 2030-02 | 2112.45 | 10.00 | 2102.45 | 2107.44 |
| 60 | 2030-03 | 2112.45 | 5.01 | 2107.44 | 0.00 |
等额本金还款方式：
贷款总额：11.8万
还款月数：5年
首月还款：2246.92元
每月递减：4.67元
利息总额：8547.63元
本息合计：12.65万
节省利息：199.32元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 2246.92 | 280.25 | 1966.67 | 116033.33 |
| 2 | 2025-05 | 2242.25 | 275.58 | 1966.67 | 114066.67 |
| 3 | 2025-06 | 2237.58 | 270.91 | 1966.67 | 112100.00 |
| 4 | 2025-07 | 2232.90 | 266.24 | 1966.67 | 110133.33 |
| 5 | 2025-08 | 2228.23 | 261.57 | 1966.67 | 108166.67 |
| 6 | 2025-09 | 2223.56 | 256.90 | 1966.67 | 106200.00 |
| 7 | 2025-10 | 2218.89 | 252.22 | 1966.67 | 104233.33 |
| 8 | 2025-11 | 2214.22 | 247.55 | 1966.67 | 102266.67 |
| 9 | 2025-12 | 2209.55 | 242.88 | 1966.67 | 100300.00 |
| 10 | 2026-01 | 2204.88 | 238.21 | 1966.67 | 98333.33 |
| 11 | 2026-02 | 2200.21 | 233.54 | 1966.67 | 96366.67 |
| 12 | 2026-03 | 2195.54 | 228.87 | 1966.67 | 94400.00 |
| 13 | 2026-04 | 2190.87 | 224.20 | 1966.67 | 92433.33 |
| 14 | 2026-05 | 2186.20 | 219.53 | 1966.67 | 90466.67 |
| 15 | 2026-06 | 2181.53 | 214.86 | 1966.67 | 88500.00 |
| 16 | 2026-07 | 2176.85 | 210.19 | 1966.67 | 86533.33 |
| 17 | 2026-08 | 2172.18 | 205.52 | 1966.67 | 84566.67 |
| 18 | 2026-09 | 2167.51 | 200.85 | 1966.67 | 82600.00 |
| 19 | 2026-10 | 2162.84 | 196.17 | 1966.67 | 80633.33 |
| 20 | 2026-11 | 2158.17 | 191.50 | 1966.67 | 78666.67 |
| 21 | 2026-12 | 2153.50 | 186.83 | 1966.67 | 76700.00 |
| 22 | 2027-01 | 2148.83 | 182.16 | 1966.67 | 74733.33 |
| 23 | 2027-02 | 2144.16 | 177.49 | 1966.67 | 72766.67 |
| 24 | 2027-03 | 2139.49 | 172.82 | 1966.67 | 70800.00 |
| 25 | 2027-04 | 2134.82 | 168.15 | 1966.67 | 68833.33 |
| 26 | 2027-05 | 2130.15 | 163.48 | 1966.67 | 66866.67 |
| 27 | 2027-06 | 2125.47 | 158.81 | 1966.67 | 64900.00 |
| 28 | 2027-07 | 2120.80 | 154.14 | 1966.67 | 62933.33 |
| 29 | 2027-08 | 2116.13 | 149.47 | 1966.67 | 60966.67 |
| 30 | 2027-09 | 2111.46 | 144.80 | 1966.67 | 59000.00 |
| 31 | 2027-10 | 2106.79 | 140.13 | 1966.67 | 57033.33 |
| 32 | 2027-11 | 2102.12 | 135.45 | 1966.67 | 55066.67 |
| 33 | 2027-12 | 2097.45 | 130.78 | 1966.67 | 53100.00 |
| 34 | 2028-01 | 2092.78 | 126.11 | 1966.67 | 51133.33 |
| 35 | 2028-02 | 2088.11 | 121.44 | 1966.67 | 49166.67 |
| 36 | 2028-03 | 2083.44 | 116.77 | 1966.67 | 47200.00 |
| 37 | 2028-04 | 2078.77 | 112.10 | 1966.67 | 45233.33 |
| 38 | 2028-05 | 2074.10 | 107.43 | 1966.67 | 43266.67 |
| 39 | 2028-06 | 2069.43 | 102.76 | 1966.67 | 41300.00 |
| 40 | 2028-07 | 2064.75 | 98.09 | 1966.67 | 39333.33 |
| 41 | 2028-08 | 2060.08 | 93.42 | 1966.67 | 37366.67 |
| 42 | 2028-09 | 2055.41 | 88.75 | 1966.67 | 35400.00 |
| 43 | 2028-10 | 2050.74 | 84.08 | 1966.67 | 33433.33 |
| 44 | 2028-11 | 2046.07 | 79.40 | 1966.67 | 31466.67 |
| 45 | 2028-12 | 2041.40 | 74.73 | 1966.67 | 29500.00 |
| 46 | 2029-01 | 2036.73 | 70.06 | 1966.67 | 27533.33 |
| 47 | 2029-02 | 2032.06 | 65.39 | 1966.67 | 25566.67 |
| 48 | 2029-03 | 2027.39 | 60.72 | 1966.67 | 23600.00 |
| 49 | 2029-04 | 2022.72 | 56.05 | 1966.67 | 21633.33 |
| 50 | 2029-05 | 2018.05 | 51.38 | 1966.67 | 19666.67 |
| 51 | 2029-06 | 2013.38 | 46.71 | 1966.67 | 17700.00 |
| 52 | 2029-07 | 2008.70 | 42.04 | 1966.67 | 15733.33 |
| 53 | 2029-08 | 2004.03 | 37.37 | 1966.67 | 13766.67 |
| 54 | 2029-09 | 1999.36 | 32.70 | 1966.67 | 11800.00 |
| 55 | 2029-10 | 1994.69 | 28.02 | 1966.67 | 9833.33 |
| 56 | 2029-11 | 1990.02 | 23.35 | 1966.67 | 7866.67 |
| 57 | 2029-12 | 1985.35 | 18.68 | 1966.67 | 5900.00 |
| 58 | 2030-01 | 1980.68 | 14.01 | 1966.67 | 3933.33 |
| 59 | 2030-02 | 1976.01 | 9.34 | 1966.67 | 1966.67 |
| 60 | 2030-03 | 1971.34 | 4.67 | 1966.67 | 0.00 |