江门贷款40万（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：40万
还款月数：5年
每月还款：7232元
利息总额：3.39万
本息合计：43.39万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 7232.00 | 1083.33 | 6148.67 | 393851.33 |
| 2 | 2025-03 | 7232.00 | 1066.68 | 6165.32 | 387686.01 |
| 3 | 2025-04 | 7232.00 | 1049.98 | 6182.02 | 381503.99 |
| 4 | 2025-05 | 7232.00 | 1033.24 | 6198.76 | 375305.23 |
| 5 | 2025-06 | 7232.00 | 1016.45 | 6215.55 | 369089.68 |
| 6 | 2025-07 | 7232.00 | 999.62 | 6232.38 | 362857.30 |
| 7 | 2025-08 | 7232.00 | 982.74 | 6249.26 | 356608.04 |
| 8 | 2025-09 | 7232.00 | 965.81 | 6266.19 | 350341.85 |
| 9 | 2025-10 | 7232.00 | 948.84 | 6283.16 | 344058.69 |
| 10 | 2025-11 | 7232.00 | 931.83 | 6300.18 | 337758.52 |
| 11 | 2025-12 | 7232.00 | 914.76 | 6317.24 | 331441.28 |
| 12 | 2026-01 | 7232.00 | 897.65 | 6334.35 | 325106.93 |
| 13 | 2026-02 | 7232.00 | 880.50 | 6351.50 | 318755.43 |
| 14 | 2026-03 | 7232.00 | 863.30 | 6368.70 | 312386.72 |
| 15 | 2026-04 | 7232.00 | 846.05 | 6385.95 | 306000.77 |
| 16 | 2026-05 | 7232.00 | 828.75 | 6403.25 | 299597.52 |
| 17 | 2026-06 | 7232.00 | 811.41 | 6420.59 | 293176.93 |
| 18 | 2026-07 | 7232.00 | 794.02 | 6437.98 | 286738.95 |
| 19 | 2026-08 | 7232.00 | 776.58 | 6455.42 | 280283.53 |
| 20 | 2026-09 | 7232.00 | 759.10 | 6472.90 | 273810.63 |
| 21 | 2026-10 | 7232.00 | 741.57 | 6490.43 | 267320.20 |
| 22 | 2026-11 | 7232.00 | 723.99 | 6508.01 | 260812.20 |
| 23 | 2026-12 | 7232.00 | 706.37 | 6525.63 | 254286.56 |
| 24 | 2027-01 | 7232.00 | 688.69 | 6543.31 | 247743.25 |
| 25 | 2027-02 | 7232.00 | 670.97 | 6561.03 | 241182.22 |
| 26 | 2027-03 | 7232.00 | 653.20 | 6578.80 | 234603.42 |
| 27 | 2027-04 | 7232.00 | 635.38 | 6596.62 | 228006.81 |
| 28 | 2027-05 | 7232.00 | 617.52 | 6614.48 | 221392.32 |
| 29 | 2027-06 | 7232.00 | 599.60 | 6632.40 | 214759.93 |
| 30 | 2027-07 | 7232.00 | 581.64 | 6650.36 | 208109.57 |
| 31 | 2027-08 | 7232.00 | 563.63 | 6668.37 | 201441.20 |
| 32 | 2027-09 | 7232.00 | 545.57 | 6686.43 | 194754.77 |
| 33 | 2027-10 | 7232.00 | 527.46 | 6704.54 | 188050.23 |
| 34 | 2027-11 | 7232.00 | 509.30 | 6722.70 | 181327.53 |
| 35 | 2027-12 | 7232.00 | 491.10 | 6740.91 | 174586.62 |
| 36 | 2028-01 | 7232.00 | 472.84 | 6759.16 | 167827.46 |
| 37 | 2028-02 | 7232.00 | 454.53 | 6777.47 | 161049.99 |
| 38 | 2028-03 | 7232.00 | 436.18 | 6795.82 | 154254.17 |
| 39 | 2028-04 | 7232.00 | 417.77 | 6814.23 | 147439.94 |
| 40 | 2028-05 | 7232.00 | 399.32 | 6832.68 | 140607.25 |
| 41 | 2028-06 | 7232.00 | 380.81 | 6851.19 | 133756.07 |
| 42 | 2028-07 | 7232.00 | 362.26 | 6869.74 | 126886.32 |
| 43 | 2028-08 | 7232.00 | 343.65 | 6888.35 | 119997.97 |
| 44 | 2028-09 | 7232.00 | 324.99 | 6907.01 | 113090.96 |
| 45 | 2028-10 | 7232.00 | 306.29 | 6925.71 | 106165.25 |
| 46 | 2028-11 | 7232.00 | 287.53 | 6944.47 | 99220.78 |
| 47 | 2028-12 | 7232.00 | 268.72 | 6963.28 | 92257.50 |
| 48 | 2029-01 | 7232.00 | 249.86 | 6982.14 | 85275.37 |
| 49 | 2029-02 | 7232.00 | 230.95 | 7001.05 | 78274.32 |
| 50 | 2029-03 | 7232.00 | 211.99 | 7020.01 | 71254.31 |
| 51 | 2029-04 | 7232.00 | 192.98 | 7039.02 | 64215.29 |
| 52 | 2029-05 | 7232.00 | 173.92 | 7058.08 | 57157.21 |
| 53 | 2029-06 | 7232.00 | 154.80 | 7077.20 | 50080.01 |
| 54 | 2029-07 | 7232.00 | 135.63 | 7096.37 | 42983.64 |
| 55 | 2029-08 | 7232.00 | 116.41 | 7115.59 | 35868.05 |
| 56 | 2029-09 | 7232.00 | 97.14 | 7134.86 | 28733.19 |
| 57 | 2029-10 | 7232.00 | 77.82 | 7154.18 | 21579.01 |
| 58 | 2029-11 | 7232.00 | 58.44 | 7173.56 | 14405.45 |
| 59 | 2029-12 | 7232.00 | 39.01 | 7192.99 | 7212.47 |
| 60 | 2030-01 | 7232.00 | 19.53 | 7212.47 | 0.00 |
等额本金还款方式：
贷款总额：40万
还款月数：5年
首月还款：7750元
每月递减：18.06元
利息总额：3.3万
本息合计：43.3万
节省利息：878.39元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 7750.00 | 1083.33 | 6666.67 | 393333.33 |
| 2 | 2025-03 | 7731.94 | 1065.28 | 6666.67 | 386666.67 |
| 3 | 2025-04 | 7713.89 | 1047.22 | 6666.67 | 380000.00 |
| 4 | 2025-05 | 7695.83 | 1029.17 | 6666.67 | 373333.33 |
| 5 | 2025-06 | 7677.78 | 1011.11 | 6666.67 | 366666.67 |
| 6 | 2025-07 | 7659.72 | 993.06 | 6666.67 | 360000.00 |
| 7 | 2025-08 | 7641.67 | 975.00 | 6666.67 | 353333.33 |
| 8 | 2025-09 | 7623.61 | 956.94 | 6666.67 | 346666.67 |
| 9 | 2025-10 | 7605.56 | 938.89 | 6666.67 | 340000.00 |
| 10 | 2025-11 | 7587.50 | 920.83 | 6666.67 | 333333.33 |
| 11 | 2025-12 | 7569.44 | 902.78 | 6666.67 | 326666.67 |
| 12 | 2026-01 | 7551.39 | 884.72 | 6666.67 | 320000.00 |
| 13 | 2026-02 | 7533.33 | 866.67 | 6666.67 | 313333.33 |
| 14 | 2026-03 | 7515.28 | 848.61 | 6666.67 | 306666.67 |
| 15 | 2026-04 | 7497.22 | 830.56 | 6666.67 | 300000.00 |
| 16 | 2026-05 | 7479.17 | 812.50 | 6666.67 | 293333.33 |
| 17 | 2026-06 | 7461.11 | 794.44 | 6666.67 | 286666.67 |
| 18 | 2026-07 | 7443.06 | 776.39 | 6666.67 | 280000.00 |
| 19 | 2026-08 | 7425.00 | 758.33 | 6666.67 | 273333.33 |
| 20 | 2026-09 | 7406.94 | 740.28 | 6666.67 | 266666.67 |
| 21 | 2026-10 | 7388.89 | 722.22 | 6666.67 | 260000.00 |
| 22 | 2026-11 | 7370.83 | 704.17 | 6666.67 | 253333.33 |
| 23 | 2026-12 | 7352.78 | 686.11 | 6666.67 | 246666.67 |
| 24 | 2027-01 | 7334.72 | 668.06 | 6666.67 | 240000.00 |
| 25 | 2027-02 | 7316.67 | 650.00 | 6666.67 | 233333.33 |
| 26 | 2027-03 | 7298.61 | 631.94 | 6666.67 | 226666.67 |
| 27 | 2027-04 | 7280.56 | 613.89 | 6666.67 | 220000.00 |
| 28 | 2027-05 | 7262.50 | 595.83 | 6666.67 | 213333.33 |
| 29 | 2027-06 | 7244.44 | 577.78 | 6666.67 | 206666.67 |
| 30 | 2027-07 | 7226.39 | 559.72 | 6666.67 | 200000.00 |
| 31 | 2027-08 | 7208.33 | 541.67 | 6666.67 | 193333.33 |
| 32 | 2027-09 | 7190.28 | 523.61 | 6666.67 | 186666.67 |
| 33 | 2027-10 | 7172.22 | 505.56 | 6666.67 | 180000.00 |
| 34 | 2027-11 | 7154.17 | 487.50 | 6666.67 | 173333.33 |
| 35 | 2027-12 | 7136.11 | 469.44 | 6666.67 | 166666.67 |
| 36 | 2028-01 | 7118.06 | 451.39 | 6666.67 | 160000.00 |
| 37 | 2028-02 | 7100.00 | 433.33 | 6666.67 | 153333.33 |
| 38 | 2028-03 | 7081.94 | 415.28 | 6666.67 | 146666.67 |
| 39 | 2028-04 | 7063.89 | 397.22 | 6666.67 | 140000.00 |
| 40 | 2028-05 | 7045.83 | 379.17 | 6666.67 | 133333.33 |
| 41 | 2028-06 | 7027.78 | 361.11 | 6666.67 | 126666.67 |
| 42 | 2028-07 | 7009.72 | 343.06 | 6666.67 | 120000.00 |
| 43 | 2028-08 | 6991.67 | 325.00 | 6666.67 | 113333.33 |
| 44 | 2028-09 | 6973.61 | 306.94 | 6666.67 | 106666.67 |
| 45 | 2028-10 | 6955.56 | 288.89 | 6666.67 | 100000.00 |
| 46 | 2028-11 | 6937.50 | 270.83 | 6666.67 | 93333.33 |
| 47 | 2028-12 | 6919.44 | 252.78 | 6666.67 | 86666.67 |
| 48 | 2029-01 | 6901.39 | 234.72 | 6666.67 | 80000.00 |
| 49 | 2029-02 | 6883.33 | 216.67 | 6666.67 | 73333.33 |
| 50 | 2029-03 | 6865.28 | 198.61 | 6666.67 | 66666.67 |
| 51 | 2029-04 | 6847.22 | 180.56 | 6666.67 | 60000.00 |
| 52 | 2029-05 | 6829.17 | 162.50 | 6666.67 | 53333.33 |
| 53 | 2029-06 | 6811.11 | 144.44 | 6666.67 | 46666.67 |
| 54 | 2029-07 | 6793.06 | 126.39 | 6666.67 | 40000.00 |
| 55 | 2029-08 | 6775.00 | 108.33 | 6666.67 | 33333.33 |
| 56 | 2029-09 | 6756.94 | 90.28 | 6666.67 | 26666.67 |
| 57 | 2029-10 | 6738.89 | 72.22 | 6666.67 | 20000.00 |
| 58 | 2029-11 | 6720.83 | 54.17 | 6666.67 | 13333.33 |
| 59 | 2029-12 | 6702.78 | 36.11 | 6666.67 | 6666.67 |
| 60 | 2030-01 | 6684.72 | 18.06 | 6666.67 | 0.00 |