上海贷款10万（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：10万
还款月数：5年
每月还款：1808元
利息总额：8480.01元
本息合计：10.85万
| 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 | 1808.00 | 270.83 | 1537.17 | 98462.83 |
| 2 | 2025-03 | 1808.00 | 266.67 | 1541.33 | 96921.50 |
| 3 | 2025-04 | 1808.00 | 262.50 | 1545.50 | 95376.00 |
| 4 | 2025-05 | 1808.00 | 258.31 | 1549.69 | 93826.31 |
| 5 | 2025-06 | 1808.00 | 254.11 | 1553.89 | 92272.42 |
| 6 | 2025-07 | 1808.00 | 249.90 | 1558.10 | 90714.33 |
| 7 | 2025-08 | 1808.00 | 245.68 | 1562.32 | 89152.01 |
| 8 | 2025-09 | 1808.00 | 241.45 | 1566.55 | 87585.46 |
| 9 | 2025-10 | 1808.00 | 237.21 | 1570.79 | 86014.67 |
| 10 | 2025-11 | 1808.00 | 232.96 | 1575.04 | 84439.63 |
| 11 | 2025-12 | 1808.00 | 228.69 | 1579.31 | 82860.32 |
| 12 | 2026-01 | 1808.00 | 224.41 | 1583.59 | 81276.73 |
| 13 | 2026-02 | 1808.00 | 220.12 | 1587.88 | 79688.86 |
| 14 | 2026-03 | 1808.00 | 215.82 | 1592.18 | 78096.68 |
| 15 | 2026-04 | 1808.00 | 211.51 | 1596.49 | 76500.19 |
| 16 | 2026-05 | 1808.00 | 207.19 | 1600.81 | 74899.38 |
| 17 | 2026-06 | 1808.00 | 202.85 | 1605.15 | 73294.23 |
| 18 | 2026-07 | 1808.00 | 198.51 | 1609.50 | 71684.74 |
| 19 | 2026-08 | 1808.00 | 194.15 | 1613.85 | 70070.88 |
| 20 | 2026-09 | 1808.00 | 189.78 | 1618.22 | 68452.66 |
| 21 | 2026-10 | 1808.00 | 185.39 | 1622.61 | 66830.05 |
| 22 | 2026-11 | 1808.00 | 181.00 | 1627.00 | 65203.05 |
| 23 | 2026-12 | 1808.00 | 176.59 | 1631.41 | 63571.64 |
| 24 | 2027-01 | 1808.00 | 172.17 | 1635.83 | 61935.81 |
| 25 | 2027-02 | 1808.00 | 167.74 | 1640.26 | 60295.56 |
| 26 | 2027-03 | 1808.00 | 163.30 | 1644.70 | 58650.86 |
| 27 | 2027-04 | 1808.00 | 158.85 | 1649.15 | 57001.70 |
| 28 | 2027-05 | 1808.00 | 154.38 | 1653.62 | 55348.08 |
| 29 | 2027-06 | 1808.00 | 149.90 | 1658.10 | 53689.98 |
| 30 | 2027-07 | 1808.00 | 145.41 | 1662.59 | 52027.39 |
| 31 | 2027-08 | 1808.00 | 140.91 | 1667.09 | 50360.30 |
| 32 | 2027-09 | 1808.00 | 136.39 | 1671.61 | 48688.69 |
| 33 | 2027-10 | 1808.00 | 131.87 | 1676.14 | 47012.56 |
| 34 | 2027-11 | 1808.00 | 127.33 | 1680.67 | 45331.88 |
| 35 | 2027-12 | 1808.00 | 122.77 | 1685.23 | 43646.66 |
| 36 | 2028-01 | 1808.00 | 118.21 | 1689.79 | 41956.87 |
| 37 | 2028-02 | 1808.00 | 113.63 | 1694.37 | 40262.50 |
| 38 | 2028-03 | 1808.00 | 109.04 | 1698.96 | 38563.54 |
| 39 | 2028-04 | 1808.00 | 104.44 | 1703.56 | 36859.98 |
| 40 | 2028-05 | 1808.00 | 99.83 | 1708.17 | 35151.81 |
| 41 | 2028-06 | 1808.00 | 95.20 | 1712.80 | 33439.02 |
| 42 | 2028-07 | 1808.00 | 90.56 | 1717.44 | 31721.58 |
| 43 | 2028-08 | 1808.00 | 85.91 | 1722.09 | 29999.49 |
| 44 | 2028-09 | 1808.00 | 81.25 | 1726.75 | 28272.74 |
| 45 | 2028-10 | 1808.00 | 76.57 | 1731.43 | 26541.31 |
| 46 | 2028-11 | 1808.00 | 71.88 | 1736.12 | 24805.20 |
| 47 | 2028-12 | 1808.00 | 67.18 | 1740.82 | 23064.38 |
| 48 | 2029-01 | 1808.00 | 62.47 | 1745.53 | 21318.84 |
| 49 | 2029-02 | 1808.00 | 57.74 | 1750.26 | 19568.58 |
| 50 | 2029-03 | 1808.00 | 53.00 | 1755.00 | 17813.58 |
| 51 | 2029-04 | 1808.00 | 48.25 | 1759.76 | 16053.82 |
| 52 | 2029-05 | 1808.00 | 43.48 | 1764.52 | 14289.30 |
| 53 | 2029-06 | 1808.00 | 38.70 | 1769.30 | 12520.00 |
| 54 | 2029-07 | 1808.00 | 33.91 | 1774.09 | 10745.91 |
| 55 | 2029-08 | 1808.00 | 29.10 | 1778.90 | 8967.01 |
| 56 | 2029-09 | 1808.00 | 24.29 | 1783.71 | 7183.30 |
| 57 | 2029-10 | 1808.00 | 19.45 | 1788.55 | 5394.75 |
| 58 | 2029-11 | 1808.00 | 14.61 | 1793.39 | 3601.36 |
| 59 | 2029-12 | 1808.00 | 9.75 | 1798.25 | 1803.12 |
| 60 | 2030-01 | 1808.00 | 4.88 | 1803.12 | 0.00 |
等额本金还款方式：
贷款总额：10万
还款月数：5年
首月还款：1937.5元
每月递减：4.51元
利息总额：8260.42元
本息合计：10.83万
节省利息：219.6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 | 1937.50 | 270.83 | 1666.67 | 98333.33 |
| 2 | 2025-03 | 1932.99 | 266.32 | 1666.67 | 96666.67 |
| 3 | 2025-04 | 1928.47 | 261.81 | 1666.67 | 95000.00 |
| 4 | 2025-05 | 1923.96 | 257.29 | 1666.67 | 93333.33 |
| 5 | 2025-06 | 1919.44 | 252.78 | 1666.67 | 91666.67 |
| 6 | 2025-07 | 1914.93 | 248.26 | 1666.67 | 90000.00 |
| 7 | 2025-08 | 1910.42 | 243.75 | 1666.67 | 88333.33 |
| 8 | 2025-09 | 1905.90 | 239.24 | 1666.67 | 86666.67 |
| 9 | 2025-10 | 1901.39 | 234.72 | 1666.67 | 85000.00 |
| 10 | 2025-11 | 1896.88 | 230.21 | 1666.67 | 83333.33 |
| 11 | 2025-12 | 1892.36 | 225.69 | 1666.67 | 81666.67 |
| 12 | 2026-01 | 1887.85 | 221.18 | 1666.67 | 80000.00 |
| 13 | 2026-02 | 1883.33 | 216.67 | 1666.67 | 78333.33 |
| 14 | 2026-03 | 1878.82 | 212.15 | 1666.67 | 76666.67 |
| 15 | 2026-04 | 1874.31 | 207.64 | 1666.67 | 75000.00 |
| 16 | 2026-05 | 1869.79 | 203.13 | 1666.67 | 73333.33 |
| 17 | 2026-06 | 1865.28 | 198.61 | 1666.67 | 71666.67 |
| 18 | 2026-07 | 1860.76 | 194.10 | 1666.67 | 70000.00 |
| 19 | 2026-08 | 1856.25 | 189.58 | 1666.67 | 68333.33 |
| 20 | 2026-09 | 1851.74 | 185.07 | 1666.67 | 66666.67 |
| 21 | 2026-10 | 1847.22 | 180.56 | 1666.67 | 65000.00 |
| 22 | 2026-11 | 1842.71 | 176.04 | 1666.67 | 63333.33 |
| 23 | 2026-12 | 1838.19 | 171.53 | 1666.67 | 61666.67 |
| 24 | 2027-01 | 1833.68 | 167.01 | 1666.67 | 60000.00 |
| 25 | 2027-02 | 1829.17 | 162.50 | 1666.67 | 58333.33 |
| 26 | 2027-03 | 1824.65 | 157.99 | 1666.67 | 56666.67 |
| 27 | 2027-04 | 1820.14 | 153.47 | 1666.67 | 55000.00 |
| 28 | 2027-05 | 1815.63 | 148.96 | 1666.67 | 53333.33 |
| 29 | 2027-06 | 1811.11 | 144.44 | 1666.67 | 51666.67 |
| 30 | 2027-07 | 1806.60 | 139.93 | 1666.67 | 50000.00 |
| 31 | 2027-08 | 1802.08 | 135.42 | 1666.67 | 48333.33 |
| 32 | 2027-09 | 1797.57 | 130.90 | 1666.67 | 46666.67 |
| 33 | 2027-10 | 1793.06 | 126.39 | 1666.67 | 45000.00 |
| 34 | 2027-11 | 1788.54 | 121.88 | 1666.67 | 43333.33 |
| 35 | 2027-12 | 1784.03 | 117.36 | 1666.67 | 41666.67 |
| 36 | 2028-01 | 1779.51 | 112.85 | 1666.67 | 40000.00 |
| 37 | 2028-02 | 1775.00 | 108.33 | 1666.67 | 38333.33 |
| 38 | 2028-03 | 1770.49 | 103.82 | 1666.67 | 36666.67 |
| 39 | 2028-04 | 1765.97 | 99.31 | 1666.67 | 35000.00 |
| 40 | 2028-05 | 1761.46 | 94.79 | 1666.67 | 33333.33 |
| 41 | 2028-06 | 1756.94 | 90.28 | 1666.67 | 31666.67 |
| 42 | 2028-07 | 1752.43 | 85.76 | 1666.67 | 30000.00 |
| 43 | 2028-08 | 1747.92 | 81.25 | 1666.67 | 28333.33 |
| 44 | 2028-09 | 1743.40 | 76.74 | 1666.67 | 26666.67 |
| 45 | 2028-10 | 1738.89 | 72.22 | 1666.67 | 25000.00 |
| 46 | 2028-11 | 1734.38 | 67.71 | 1666.67 | 23333.33 |
| 47 | 2028-12 | 1729.86 | 63.19 | 1666.67 | 21666.67 |
| 48 | 2029-01 | 1725.35 | 58.68 | 1666.67 | 20000.00 |
| 49 | 2029-02 | 1720.83 | 54.17 | 1666.67 | 18333.33 |
| 50 | 2029-03 | 1716.32 | 49.65 | 1666.67 | 16666.67 |
| 51 | 2029-04 | 1711.81 | 45.14 | 1666.67 | 15000.00 |
| 52 | 2029-05 | 1707.29 | 40.63 | 1666.67 | 13333.33 |
| 53 | 2029-06 | 1702.78 | 36.11 | 1666.67 | 11666.67 |
| 54 | 2029-07 | 1698.26 | 31.60 | 1666.67 | 10000.00 |
| 55 | 2029-08 | 1693.75 | 27.08 | 1666.67 | 8333.33 |
| 56 | 2029-09 | 1689.24 | 22.57 | 1666.67 | 6666.67 |
| 57 | 2029-10 | 1684.72 | 18.06 | 1666.67 | 5000.00 |
| 58 | 2029-11 | 1680.21 | 13.54 | 1666.67 | 3333.33 |
| 59 | 2029-12 | 1675.69 | 9.03 | 1666.67 | 1666.67 |
| 60 | 2030-01 | 1671.18 | 4.51 | 1666.67 | 0.00 |