广州贷款80万（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：80万
还款月数：5年
每月还款：14145.04元
利息总额：4.87万
本息合计：84.87万
| 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 | 14145.04 | 1566.67 | 12578.37 | 787421.63 |
| 2 | 2025-04 | 14145.04 | 1542.03 | 12603.01 | 774818.62 |
| 3 | 2025-05 | 14145.04 | 1517.35 | 12627.69 | 762190.93 |
| 4 | 2025-06 | 14145.04 | 1492.62 | 12652.42 | 749538.52 |
| 5 | 2025-07 | 14145.04 | 1467.85 | 12677.19 | 736861.33 |
| 6 | 2025-08 | 14145.04 | 1443.02 | 12702.02 | 724159.31 |
| 7 | 2025-09 | 14145.04 | 1418.15 | 12726.89 | 711432.41 |
| 8 | 2025-10 | 14145.04 | 1393.22 | 12751.82 | 698680.59 |
| 9 | 2025-11 | 14145.04 | 1368.25 | 12776.79 | 685903.80 |
| 10 | 2025-12 | 14145.04 | 1343.23 | 12801.81 | 673101.99 |
| 11 | 2026-01 | 14145.04 | 1318.16 | 12826.88 | 660275.11 |
| 12 | 2026-02 | 14145.04 | 1293.04 | 12852.00 | 647423.11 |
| 13 | 2026-03 | 14145.04 | 1267.87 | 12877.17 | 634545.94 |
| 14 | 2026-04 | 14145.04 | 1242.65 | 12902.39 | 621643.55 |
| 15 | 2026-05 | 14145.04 | 1217.39 | 12927.65 | 608715.90 |
| 16 | 2026-06 | 14145.04 | 1192.07 | 12952.97 | 595762.93 |
| 17 | 2026-07 | 14145.04 | 1166.70 | 12978.34 | 582784.59 |
| 18 | 2026-08 | 14145.04 | 1141.29 | 13003.75 | 569780.84 |
| 19 | 2026-09 | 14145.04 | 1115.82 | 13029.22 | 556751.62 |
| 20 | 2026-10 | 14145.04 | 1090.31 | 13054.73 | 543696.88 |
| 21 | 2026-11 | 14145.04 | 1064.74 | 13080.30 | 530616.58 |
| 22 | 2026-12 | 14145.04 | 1039.12 | 13105.92 | 517510.67 |
| 23 | 2027-01 | 14145.04 | 1013.46 | 13131.58 | 504379.09 |
| 24 | 2027-02 | 14145.04 | 987.74 | 13157.30 | 491221.79 |
| 25 | 2027-03 | 14145.04 | 961.98 | 13183.06 | 478038.72 |
| 26 | 2027-04 | 14145.04 | 936.16 | 13208.88 | 464829.84 |
| 27 | 2027-05 | 14145.04 | 910.29 | 13234.75 | 451595.10 |
| 28 | 2027-06 | 14145.04 | 884.37 | 13260.67 | 438334.43 |
| 29 | 2027-07 | 14145.04 | 858.40 | 13286.63 | 425047.80 |
| 30 | 2027-08 | 14145.04 | 832.39 | 13312.65 | 411735.14 |
| 31 | 2027-09 | 14145.04 | 806.31 | 13338.73 | 398396.42 |
| 32 | 2027-10 | 14145.04 | 780.19 | 13364.85 | 385031.57 |
| 33 | 2027-11 | 14145.04 | 754.02 | 13391.02 | 371640.55 |
| 34 | 2027-12 | 14145.04 | 727.80 | 13417.24 | 358223.31 |
| 35 | 2028-01 | 14145.04 | 701.52 | 13443.52 | 344779.79 |
| 36 | 2028-02 | 14145.04 | 675.19 | 13469.85 | 331309.94 |
| 37 | 2028-03 | 14145.04 | 648.82 | 13496.22 | 317813.72 |
| 38 | 2028-04 | 14145.04 | 622.39 | 13522.65 | 304291.06 |
| 39 | 2028-05 | 14145.04 | 595.90 | 13549.14 | 290741.93 |
| 40 | 2028-06 | 14145.04 | 569.37 | 13575.67 | 277166.26 |
| 41 | 2028-07 | 14145.04 | 542.78 | 13602.26 | 263564.00 |
| 42 | 2028-08 | 14145.04 | 516.15 | 13628.89 | 249935.11 |
| 43 | 2028-09 | 14145.04 | 489.46 | 13655.58 | 236279.52 |
| 44 | 2028-10 | 14145.04 | 462.71 | 13682.33 | 222597.20 |
| 45 | 2028-11 | 14145.04 | 435.92 | 13709.12 | 208888.08 |
| 46 | 2028-12 | 14145.04 | 409.07 | 13735.97 | 195152.11 |
| 47 | 2029-01 | 14145.04 | 382.17 | 13762.87 | 181389.24 |
| 48 | 2029-02 | 14145.04 | 355.22 | 13789.82 | 167599.42 |
| 49 | 2029-03 | 14145.04 | 328.22 | 13816.82 | 153782.60 |
| 50 | 2029-04 | 14145.04 | 301.16 | 13843.88 | 139938.72 |
| 51 | 2029-05 | 14145.04 | 274.05 | 13870.99 | 126067.72 |
| 52 | 2029-06 | 14145.04 | 246.88 | 13898.16 | 112169.57 |
| 53 | 2029-07 | 14145.04 | 219.67 | 13925.37 | 98244.19 |
| 54 | 2029-08 | 14145.04 | 192.39 | 13952.64 | 84291.55 |
| 55 | 2029-09 | 14145.04 | 165.07 | 13979.97 | 70311.58 |
| 56 | 2029-10 | 14145.04 | 137.69 | 14007.35 | 56304.23 |
| 57 | 2029-11 | 14145.04 | 110.26 | 14034.78 | 42269.46 |
| 58 | 2029-12 | 14145.04 | 82.78 | 14062.26 | 28207.19 |
| 59 | 2030-01 | 14145.04 | 55.24 | 14089.80 | 14117.39 |
| 60 | 2030-02 | 14145.04 | 27.65 | 14117.39 | 0.00 |
等额本金还款方式：
贷款总额：80万
还款月数：5年
首月还款：14900元
每月递减：26.11元
利息总额：4.78万
本息合计：84.78万
节省利息：919.05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 | 14900.00 | 1566.67 | 13333.33 | 786666.67 |
| 2 | 2025-04 | 14873.89 | 1540.56 | 13333.33 | 773333.33 |
| 3 | 2025-05 | 14847.78 | 1514.44 | 13333.33 | 760000.00 |
| 4 | 2025-06 | 14821.67 | 1488.33 | 13333.33 | 746666.67 |
| 5 | 2025-07 | 14795.56 | 1462.22 | 13333.33 | 733333.33 |
| 6 | 2025-08 | 14769.44 | 1436.11 | 13333.33 | 720000.00 |
| 7 | 2025-09 | 14743.33 | 1410.00 | 13333.33 | 706666.67 |
| 8 | 2025-10 | 14717.22 | 1383.89 | 13333.33 | 693333.33 |
| 9 | 2025-11 | 14691.11 | 1357.78 | 13333.33 | 680000.00 |
| 10 | 2025-12 | 14665.00 | 1331.67 | 13333.33 | 666666.67 |
| 11 | 2026-01 | 14638.89 | 1305.56 | 13333.33 | 653333.33 |
| 12 | 2026-02 | 14612.78 | 1279.44 | 13333.33 | 640000.00 |
| 13 | 2026-03 | 14586.67 | 1253.33 | 13333.33 | 626666.67 |
| 14 | 2026-04 | 14560.56 | 1227.22 | 13333.33 | 613333.33 |
| 15 | 2026-05 | 14534.44 | 1201.11 | 13333.33 | 600000.00 |
| 16 | 2026-06 | 14508.33 | 1175.00 | 13333.33 | 586666.67 |
| 17 | 2026-07 | 14482.22 | 1148.89 | 13333.33 | 573333.33 |
| 18 | 2026-08 | 14456.11 | 1122.78 | 13333.33 | 560000.00 |
| 19 | 2026-09 | 14430.00 | 1096.67 | 13333.33 | 546666.67 |
| 20 | 2026-10 | 14403.89 | 1070.56 | 13333.33 | 533333.33 |
| 21 | 2026-11 | 14377.78 | 1044.44 | 13333.33 | 520000.00 |
| 22 | 2026-12 | 14351.67 | 1018.33 | 13333.33 | 506666.67 |
| 23 | 2027-01 | 14325.56 | 992.22 | 13333.33 | 493333.33 |
| 24 | 2027-02 | 14299.44 | 966.11 | 13333.33 | 480000.00 |
| 25 | 2027-03 | 14273.33 | 940.00 | 13333.33 | 466666.67 |
| 26 | 2027-04 | 14247.22 | 913.89 | 13333.33 | 453333.33 |
| 27 | 2027-05 | 14221.11 | 887.78 | 13333.33 | 440000.00 |
| 28 | 2027-06 | 14195.00 | 861.67 | 13333.33 | 426666.67 |
| 29 | 2027-07 | 14168.89 | 835.56 | 13333.33 | 413333.33 |
| 30 | 2027-08 | 14142.78 | 809.44 | 13333.33 | 400000.00 |
| 31 | 2027-09 | 14116.67 | 783.33 | 13333.33 | 386666.67 |
| 32 | 2027-10 | 14090.56 | 757.22 | 13333.33 | 373333.33 |
| 33 | 2027-11 | 14064.44 | 731.11 | 13333.33 | 360000.00 |
| 34 | 2027-12 | 14038.33 | 705.00 | 13333.33 | 346666.67 |
| 35 | 2028-01 | 14012.22 | 678.89 | 13333.33 | 333333.33 |
| 36 | 2028-02 | 13986.11 | 652.78 | 13333.33 | 320000.00 |
| 37 | 2028-03 | 13960.00 | 626.67 | 13333.33 | 306666.67 |
| 38 | 2028-04 | 13933.89 | 600.56 | 13333.33 | 293333.33 |
| 39 | 2028-05 | 13907.78 | 574.44 | 13333.33 | 280000.00 |
| 40 | 2028-06 | 13881.67 | 548.33 | 13333.33 | 266666.67 |
| 41 | 2028-07 | 13855.56 | 522.22 | 13333.33 | 253333.33 |
| 42 | 2028-08 | 13829.44 | 496.11 | 13333.33 | 240000.00 |
| 43 | 2028-09 | 13803.33 | 470.00 | 13333.33 | 226666.67 |
| 44 | 2028-10 | 13777.22 | 443.89 | 13333.33 | 213333.33 |
| 45 | 2028-11 | 13751.11 | 417.78 | 13333.33 | 200000.00 |
| 46 | 2028-12 | 13725.00 | 391.67 | 13333.33 | 186666.67 |
| 47 | 2029-01 | 13698.89 | 365.56 | 13333.33 | 173333.33 |
| 48 | 2029-02 | 13672.78 | 339.44 | 13333.33 | 160000.00 |
| 49 | 2029-03 | 13646.67 | 313.33 | 13333.33 | 146666.67 |
| 50 | 2029-04 | 13620.56 | 287.22 | 13333.33 | 133333.33 |
| 51 | 2029-05 | 13594.44 | 261.11 | 13333.33 | 120000.00 |
| 52 | 2029-06 | 13568.33 | 235.00 | 13333.33 | 106666.67 |
| 53 | 2029-07 | 13542.22 | 208.89 | 13333.33 | 93333.33 |
| 54 | 2029-08 | 13516.11 | 182.78 | 13333.33 | 80000.00 |
| 55 | 2029-09 | 13490.00 | 156.67 | 13333.33 | 66666.67 |
| 56 | 2029-10 | 13463.89 | 130.56 | 13333.33 | 53333.33 |
| 57 | 2029-11 | 13437.78 | 104.44 | 13333.33 | 40000.00 |
| 58 | 2029-12 | 13411.67 | 78.33 | 13333.33 | 26666.67 |
| 59 | 2030-01 | 13385.56 | 52.22 | 13333.33 | 13333.33 |
| 60 | 2030-02 | 13359.44 | 26.11 | 13333.33 | 0.00 |