贷款10.8万（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：10.8万
还款月数：5年
每月还款：1928.64元
利息总额：7718.61元
本息合计：11.57万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 1928.64 | 247.50 | 1681.14 | 106318.86 |
| 2 | 2025-07 | 1928.64 | 243.65 | 1685.00 | 104633.86 |
| 3 | 2025-08 | 1928.64 | 239.79 | 1688.86 | 102945.00 |
| 4 | 2025-09 | 1928.64 | 235.92 | 1692.73 | 101252.27 |
| 5 | 2025-10 | 1928.64 | 232.04 | 1696.61 | 99555.67 |
| 6 | 2025-11 | 1928.64 | 228.15 | 1700.50 | 97855.17 |
| 7 | 2025-12 | 1928.64 | 224.25 | 1704.39 | 96150.78 |
| 8 | 2026-01 | 1928.64 | 220.35 | 1708.30 | 94442.48 |
| 9 | 2026-02 | 1928.64 | 216.43 | 1712.21 | 92730.27 |
| 10 | 2026-03 | 1928.64 | 212.51 | 1716.14 | 91014.13 |
| 11 | 2026-04 | 1928.64 | 208.57 | 1720.07 | 89294.06 |
| 12 | 2026-05 | 1928.64 | 204.63 | 1724.01 | 87570.05 |
| 13 | 2026-06 | 1928.64 | 200.68 | 1727.96 | 85842.09 |
| 14 | 2026-07 | 1928.64 | 196.72 | 1731.92 | 84110.17 |
| 15 | 2026-08 | 1928.64 | 192.75 | 1735.89 | 82374.28 |
| 16 | 2026-09 | 1928.64 | 188.77 | 1739.87 | 80634.41 |
| 17 | 2026-10 | 1928.64 | 184.79 | 1743.86 | 78890.55 |
| 18 | 2026-11 | 1928.64 | 180.79 | 1747.85 | 77142.70 |
| 19 | 2026-12 | 1928.64 | 176.79 | 1751.86 | 75390.84 |
| 20 | 2027-01 | 1928.64 | 172.77 | 1755.87 | 73634.97 |
| 21 | 2027-02 | 1928.64 | 168.75 | 1759.90 | 71875.07 |
| 22 | 2027-03 | 1928.64 | 164.71 | 1763.93 | 70111.14 |
| 23 | 2027-04 | 1928.64 | 160.67 | 1767.97 | 68343.17 |
| 24 | 2027-05 | 1928.64 | 156.62 | 1772.02 | 66571.15 |
| 25 | 2027-06 | 1928.64 | 152.56 | 1776.08 | 64795.06 |
| 26 | 2027-07 | 1928.64 | 148.49 | 1780.15 | 63014.91 |
| 27 | 2027-08 | 1928.64 | 144.41 | 1784.23 | 61230.67 |
| 28 | 2027-09 | 1928.64 | 140.32 | 1788.32 | 59442.35 |
| 29 | 2027-10 | 1928.64 | 136.22 | 1792.42 | 57649.93 |
| 30 | 2027-11 | 1928.64 | 132.11 | 1796.53 | 55853.40 |
| 31 | 2027-12 | 1928.64 | 128.00 | 1800.65 | 54052.75 |
| 32 | 2028-01 | 1928.64 | 123.87 | 1804.77 | 52247.98 |
| 33 | 2028-02 | 1928.64 | 119.73 | 1808.91 | 50439.07 |
| 34 | 2028-03 | 1928.64 | 115.59 | 1813.05 | 48626.02 |
| 35 | 2028-04 | 1928.64 | 111.43 | 1817.21 | 46808.81 |
| 36 | 2028-05 | 1928.64 | 107.27 | 1821.37 | 44987.43 |
| 37 | 2028-06 | 1928.64 | 103.10 | 1825.55 | 43161.89 |
| 38 | 2028-07 | 1928.64 | 98.91 | 1829.73 | 41332.16 |
| 39 | 2028-08 | 1928.64 | 94.72 | 1833.92 | 39498.23 |
| 40 | 2028-09 | 1928.64 | 90.52 | 1838.13 | 37660.11 |
| 41 | 2028-10 | 1928.64 | 86.30 | 1842.34 | 35817.77 |
| 42 | 2028-11 | 1928.64 | 82.08 | 1846.56 | 33971.21 |
| 43 | 2028-12 | 1928.64 | 77.85 | 1850.79 | 32120.41 |
| 44 | 2029-01 | 1928.64 | 73.61 | 1855.03 | 30265.38 |
| 45 | 2029-02 | 1928.64 | 69.36 | 1859.29 | 28406.09 |
| 46 | 2029-03 | 1928.64 | 65.10 | 1863.55 | 26542.55 |
| 47 | 2029-04 | 1928.64 | 60.83 | 1867.82 | 24674.73 |
| 48 | 2029-05 | 1928.64 | 56.55 | 1872.10 | 22802.63 |
| 49 | 2029-06 | 1928.64 | 52.26 | 1876.39 | 20926.25 |
| 50 | 2029-07 | 1928.64 | 47.96 | 1880.69 | 19045.56 |
| 51 | 2029-08 | 1928.64 | 43.65 | 1885.00 | 17160.56 |
| 52 | 2029-09 | 1928.64 | 39.33 | 1889.32 | 15271.24 |
| 53 | 2029-10 | 1928.64 | 35.00 | 1893.65 | 13377.60 |
| 54 | 2029-11 | 1928.64 | 30.66 | 1897.99 | 11479.61 |
| 55 | 2029-12 | 1928.64 | 26.31 | 1902.34 | 9577.27 |
| 56 | 2030-01 | 1928.64 | 21.95 | 1906.70 | 7670.58 |
| 57 | 2030-02 | 1928.64 | 17.58 | 1911.07 | 5759.51 |
| 58 | 2030-03 | 1928.64 | 13.20 | 1915.44 | 3844.07 |
| 59 | 2030-04 | 1928.64 | 8.81 | 1919.83 | 1924.23 |
| 60 | 2030-05 | 1928.64 | 4.41 | 1924.23 | 0.00 |
等额本金还款方式：
贷款总额：10.8万
还款月数：5年
首月还款：2047.5元
每月递减：4.13元
利息总额：7548.75元
本息合计：11.55万
节省利息：169.86元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2047.50 | 247.50 | 1800.00 | 106200.00 |
| 2 | 2025-07 | 2043.38 | 243.38 | 1800.00 | 104400.00 |
| 3 | 2025-08 | 2039.25 | 239.25 | 1800.00 | 102600.00 |
| 4 | 2025-09 | 2035.13 | 235.13 | 1800.00 | 100800.00 |
| 5 | 2025-10 | 2031.00 | 231.00 | 1800.00 | 99000.00 |
| 6 | 2025-11 | 2026.88 | 226.88 | 1800.00 | 97200.00 |
| 7 | 2025-12 | 2022.75 | 222.75 | 1800.00 | 95400.00 |
| 8 | 2026-01 | 2018.63 | 218.63 | 1800.00 | 93600.00 |
| 9 | 2026-02 | 2014.50 | 214.50 | 1800.00 | 91800.00 |
| 10 | 2026-03 | 2010.38 | 210.38 | 1800.00 | 90000.00 |
| 11 | 2026-04 | 2006.25 | 206.25 | 1800.00 | 88200.00 |
| 12 | 2026-05 | 2002.13 | 202.13 | 1800.00 | 86400.00 |
| 13 | 2026-06 | 1998.00 | 198.00 | 1800.00 | 84600.00 |
| 14 | 2026-07 | 1993.88 | 193.88 | 1800.00 | 82800.00 |
| 15 | 2026-08 | 1989.75 | 189.75 | 1800.00 | 81000.00 |
| 16 | 2026-09 | 1985.63 | 185.63 | 1800.00 | 79200.00 |
| 17 | 2026-10 | 1981.50 | 181.50 | 1800.00 | 77400.00 |
| 18 | 2026-11 | 1977.38 | 177.38 | 1800.00 | 75600.00 |
| 19 | 2026-12 | 1973.25 | 173.25 | 1800.00 | 73800.00 |
| 20 | 2027-01 | 1969.13 | 169.13 | 1800.00 | 72000.00 |
| 21 | 2027-02 | 1965.00 | 165.00 | 1800.00 | 70200.00 |
| 22 | 2027-03 | 1960.88 | 160.88 | 1800.00 | 68400.00 |
| 23 | 2027-04 | 1956.75 | 156.75 | 1800.00 | 66600.00 |
| 24 | 2027-05 | 1952.63 | 152.63 | 1800.00 | 64800.00 |
| 25 | 2027-06 | 1948.50 | 148.50 | 1800.00 | 63000.00 |
| 26 | 2027-07 | 1944.38 | 144.38 | 1800.00 | 61200.00 |
| 27 | 2027-08 | 1940.25 | 140.25 | 1800.00 | 59400.00 |
| 28 | 2027-09 | 1936.13 | 136.13 | 1800.00 | 57600.00 |
| 29 | 2027-10 | 1932.00 | 132.00 | 1800.00 | 55800.00 |
| 30 | 2027-11 | 1927.88 | 127.88 | 1800.00 | 54000.00 |
| 31 | 2027-12 | 1923.75 | 123.75 | 1800.00 | 52200.00 |
| 32 | 2028-01 | 1919.63 | 119.63 | 1800.00 | 50400.00 |
| 33 | 2028-02 | 1915.50 | 115.50 | 1800.00 | 48600.00 |
| 34 | 2028-03 | 1911.38 | 111.38 | 1800.00 | 46800.00 |
| 35 | 2028-04 | 1907.25 | 107.25 | 1800.00 | 45000.00 |
| 36 | 2028-05 | 1903.13 | 103.13 | 1800.00 | 43200.00 |
| 37 | 2028-06 | 1899.00 | 99.00 | 1800.00 | 41400.00 |
| 38 | 2028-07 | 1894.88 | 94.88 | 1800.00 | 39600.00 |
| 39 | 2028-08 | 1890.75 | 90.75 | 1800.00 | 37800.00 |
| 40 | 2028-09 | 1886.63 | 86.63 | 1800.00 | 36000.00 |
| 41 | 2028-10 | 1882.50 | 82.50 | 1800.00 | 34200.00 |
| 42 | 2028-11 | 1878.38 | 78.38 | 1800.00 | 32400.00 |
| 43 | 2028-12 | 1874.25 | 74.25 | 1800.00 | 30600.00 |
| 44 | 2029-01 | 1870.13 | 70.13 | 1800.00 | 28800.00 |
| 45 | 2029-02 | 1866.00 | 66.00 | 1800.00 | 27000.00 |
| 46 | 2029-03 | 1861.88 | 61.88 | 1800.00 | 25200.00 |
| 47 | 2029-04 | 1857.75 | 57.75 | 1800.00 | 23400.00 |
| 48 | 2029-05 | 1853.63 | 53.63 | 1800.00 | 21600.00 |
| 49 | 2029-06 | 1849.50 | 49.50 | 1800.00 | 19800.00 |
| 50 | 2029-07 | 1845.38 | 45.38 | 1800.00 | 18000.00 |
| 51 | 2029-08 | 1841.25 | 41.25 | 1800.00 | 16200.00 |
| 52 | 2029-09 | 1837.13 | 37.13 | 1800.00 | 14400.00 |
| 53 | 2029-10 | 1833.00 | 33.00 | 1800.00 | 12600.00 |
| 54 | 2029-11 | 1828.88 | 28.88 | 1800.00 | 10800.00 |
| 55 | 2029-12 | 1824.75 | 24.75 | 1800.00 | 9000.00 |
| 56 | 2030-01 | 1820.63 | 20.63 | 1800.00 | 7200.00 |
| 57 | 2030-02 | 1816.50 | 16.50 | 1800.00 | 5400.00 |
| 58 | 2030-03 | 1812.38 | 12.38 | 1800.00 | 3600.00 |
| 59 | 2030-04 | 1808.25 | 8.25 | 1800.00 | 1800.00 |
| 60 | 2030-05 | 1804.13 | 4.13 | 1800.00 | 0.00 |