北京贷款60万（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：60万
还款月数：5年
每月还款：10848元
利息总额：5.09万
本息合计：65.09万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 10848.00 | 1625.00 | 9223.00 | 590777.00 |
| 2 | 2024-06 | 10848.00 | 1600.02 | 9247.98 | 581529.02 |
| 3 | 2024-07 | 10848.00 | 1574.97 | 9273.03 | 572255.99 |
| 4 | 2024-08 | 10848.00 | 1549.86 | 9298.14 | 562957.85 |
| 5 | 2024-09 | 10848.00 | 1524.68 | 9323.32 | 553634.53 |
| 6 | 2024-10 | 10848.00 | 1499.43 | 9348.57 | 544285.95 |
| 7 | 2024-11 | 10848.00 | 1474.11 | 9373.89 | 534912.06 |
| 8 | 2024-12 | 10848.00 | 1448.72 | 9399.28 | 525512.78 |
| 9 | 2025-01 | 10848.00 | 1423.26 | 9424.74 | 516088.04 |
| 10 | 2025-02 | 10848.00 | 1397.74 | 9450.26 | 506637.78 |
| 11 | 2025-03 | 10848.00 | 1372.14 | 9475.86 | 497161.92 |
| 12 | 2025-04 | 10848.00 | 1346.48 | 9501.52 | 487660.40 |
| 13 | 2025-05 | 10848.00 | 1320.75 | 9527.25 | 478133.14 |
| 14 | 2025-06 | 10848.00 | 1294.94 | 9553.06 | 468580.09 |
| 15 | 2025-07 | 10848.00 | 1269.07 | 9578.93 | 459001.16 |
| 16 | 2025-08 | 10848.00 | 1243.13 | 9604.87 | 449396.28 |
| 17 | 2025-09 | 10848.00 | 1217.11 | 9630.89 | 439765.40 |
| 18 | 2025-10 | 10848.00 | 1191.03 | 9656.97 | 430108.43 |
| 19 | 2025-11 | 10848.00 | 1164.88 | 9683.12 | 420425.30 |
| 20 | 2025-12 | 10848.00 | 1138.65 | 9709.35 | 410715.95 |
| 21 | 2026-01 | 10848.00 | 1112.36 | 9735.65 | 400980.31 |
| 22 | 2026-02 | 10848.00 | 1085.99 | 9762.01 | 391218.29 |
| 23 | 2026-03 | 10848.00 | 1059.55 | 9788.45 | 381429.84 |
| 24 | 2026-04 | 10848.00 | 1033.04 | 9814.96 | 371614.88 |
| 25 | 2026-05 | 10848.00 | 1006.46 | 9841.54 | 361773.33 |
| 26 | 2026-06 | 10848.00 | 979.80 | 9868.20 | 351905.14 |
| 27 | 2026-07 | 10848.00 | 953.08 | 9894.92 | 342010.21 |
| 28 | 2026-08 | 10848.00 | 926.28 | 9921.72 | 332088.49 |
| 29 | 2026-09 | 10848.00 | 899.41 | 9948.60 | 322139.89 |
| 30 | 2026-10 | 10848.00 | 872.46 | 9975.54 | 312164.35 |
| 31 | 2026-11 | 10848.00 | 845.45 | 10002.56 | 302161.80 |
| 32 | 2026-12 | 10848.00 | 818.35 | 10029.65 | 292132.15 |
| 33 | 2027-01 | 10848.00 | 791.19 | 10056.81 | 282075.34 |
| 34 | 2027-02 | 10848.00 | 763.95 | 10084.05 | 271991.29 |
| 35 | 2027-03 | 10848.00 | 736.64 | 10111.36 | 261879.93 |
| 36 | 2027-04 | 10848.00 | 709.26 | 10138.74 | 251741.19 |
| 37 | 2027-05 | 10848.00 | 681.80 | 10166.20 | 241574.99 |
| 38 | 2027-06 | 10848.00 | 654.27 | 10193.74 | 231381.25 |
| 39 | 2027-07 | 10848.00 | 626.66 | 10221.34 | 221159.91 |
| 40 | 2027-08 | 10848.00 | 598.97 | 10249.03 | 210910.88 |
| 41 | 2027-09 | 10848.00 | 571.22 | 10276.78 | 200634.10 |
| 42 | 2027-10 | 10848.00 | 543.38 | 10304.62 | 190329.48 |
| 43 | 2027-11 | 10848.00 | 515.48 | 10332.53 | 179996.95 |
| 44 | 2027-12 | 10848.00 | 487.49 | 10360.51 | 169636.45 |
| 45 | 2028-01 | 10848.00 | 459.43 | 10388.57 | 159247.88 |
| 46 | 2028-02 | 10848.00 | 431.30 | 10416.71 | 148831.17 |
| 47 | 2028-03 | 10848.00 | 403.08 | 10444.92 | 138386.25 |
| 48 | 2028-04 | 10848.00 | 374.80 | 10473.21 | 127913.05 |
| 49 | 2028-05 | 10848.00 | 346.43 | 10501.57 | 117411.48 |
| 50 | 2028-06 | 10848.00 | 317.99 | 10530.01 | 106881.47 |
| 51 | 2028-07 | 10848.00 | 289.47 | 10558.53 | 96322.94 |
| 52 | 2028-08 | 10848.00 | 260.87 | 10587.13 | 85735.81 |
| 53 | 2028-09 | 10848.00 | 232.20 | 10615.80 | 75120.01 |
| 54 | 2028-10 | 10848.00 | 203.45 | 10644.55 | 64475.46 |
| 55 | 2028-11 | 10848.00 | 174.62 | 10673.38 | 53802.08 |
| 56 | 2028-12 | 10848.00 | 145.71 | 10702.29 | 43099.79 |
| 57 | 2029-01 | 10848.00 | 116.73 | 10731.27 | 32368.52 |
| 58 | 2029-02 | 10848.00 | 87.66 | 10760.34 | 21608.18 |
| 59 | 2029-03 | 10848.00 | 58.52 | 10789.48 | 10818.70 |
| 60 | 2029-04 | 10848.00 | 29.30 | 10818.70 | 0.00 |
等额本金还款方式：
贷款总额：60万
还款月数：5年
首月还款：11625元
每月递减：27.08元
利息总额：4.96万
本息合计：64.96万
节省利息：1317.58元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 11625.00 | 1625.00 | 10000.00 | 590000.00 |
| 2 | 2024-06 | 11597.92 | 1597.92 | 10000.00 | 580000.00 |
| 3 | 2024-07 | 11570.83 | 1570.83 | 10000.00 | 570000.00 |
| 4 | 2024-08 | 11543.75 | 1543.75 | 10000.00 | 560000.00 |
| 5 | 2024-09 | 11516.67 | 1516.67 | 10000.00 | 550000.00 |
| 6 | 2024-10 | 11489.58 | 1489.58 | 10000.00 | 540000.00 |
| 7 | 2024-11 | 11462.50 | 1462.50 | 10000.00 | 530000.00 |
| 8 | 2024-12 | 11435.42 | 1435.42 | 10000.00 | 520000.00 |
| 9 | 2025-01 | 11408.33 | 1408.33 | 10000.00 | 510000.00 |
| 10 | 2025-02 | 11381.25 | 1381.25 | 10000.00 | 500000.00 |
| 11 | 2025-03 | 11354.17 | 1354.17 | 10000.00 | 490000.00 |
| 12 | 2025-04 | 11327.08 | 1327.08 | 10000.00 | 480000.00 |
| 13 | 2025-05 | 11300.00 | 1300.00 | 10000.00 | 470000.00 |
| 14 | 2025-06 | 11272.92 | 1272.92 | 10000.00 | 460000.00 |
| 15 | 2025-07 | 11245.83 | 1245.83 | 10000.00 | 450000.00 |
| 16 | 2025-08 | 11218.75 | 1218.75 | 10000.00 | 440000.00 |
| 17 | 2025-09 | 11191.67 | 1191.67 | 10000.00 | 430000.00 |
| 18 | 2025-10 | 11164.58 | 1164.58 | 10000.00 | 420000.00 |
| 19 | 2025-11 | 11137.50 | 1137.50 | 10000.00 | 410000.00 |
| 20 | 2025-12 | 11110.42 | 1110.42 | 10000.00 | 400000.00 |
| 21 | 2026-01 | 11083.33 | 1083.33 | 10000.00 | 390000.00 |
| 22 | 2026-02 | 11056.25 | 1056.25 | 10000.00 | 380000.00 |
| 23 | 2026-03 | 11029.17 | 1029.17 | 10000.00 | 370000.00 |
| 24 | 2026-04 | 11002.08 | 1002.08 | 10000.00 | 360000.00 |
| 25 | 2026-05 | 10975.00 | 975.00 | 10000.00 | 350000.00 |
| 26 | 2026-06 | 10947.92 | 947.92 | 10000.00 | 340000.00 |
| 27 | 2026-07 | 10920.83 | 920.83 | 10000.00 | 330000.00 |
| 28 | 2026-08 | 10893.75 | 893.75 | 10000.00 | 320000.00 |
| 29 | 2026-09 | 10866.67 | 866.67 | 10000.00 | 310000.00 |
| 30 | 2026-10 | 10839.58 | 839.58 | 10000.00 | 300000.00 |
| 31 | 2026-11 | 10812.50 | 812.50 | 10000.00 | 290000.00 |
| 32 | 2026-12 | 10785.42 | 785.42 | 10000.00 | 280000.00 |
| 33 | 2027-01 | 10758.33 | 758.33 | 10000.00 | 270000.00 |
| 34 | 2027-02 | 10731.25 | 731.25 | 10000.00 | 260000.00 |
| 35 | 2027-03 | 10704.17 | 704.17 | 10000.00 | 250000.00 |
| 36 | 2027-04 | 10677.08 | 677.08 | 10000.00 | 240000.00 |
| 37 | 2027-05 | 10650.00 | 650.00 | 10000.00 | 230000.00 |
| 38 | 2027-06 | 10622.92 | 622.92 | 10000.00 | 220000.00 |
| 39 | 2027-07 | 10595.83 | 595.83 | 10000.00 | 210000.00 |
| 40 | 2027-08 | 10568.75 | 568.75 | 10000.00 | 200000.00 |
| 41 | 2027-09 | 10541.67 | 541.67 | 10000.00 | 190000.00 |
| 42 | 2027-10 | 10514.58 | 514.58 | 10000.00 | 180000.00 |
| 43 | 2027-11 | 10487.50 | 487.50 | 10000.00 | 170000.00 |
| 44 | 2027-12 | 10460.42 | 460.42 | 10000.00 | 160000.00 |
| 45 | 2028-01 | 10433.33 | 433.33 | 10000.00 | 150000.00 |
| 46 | 2028-02 | 10406.25 | 406.25 | 10000.00 | 140000.00 |
| 47 | 2028-03 | 10379.17 | 379.17 | 10000.00 | 130000.00 |
| 48 | 2028-04 | 10352.08 | 352.08 | 10000.00 | 120000.00 |
| 49 | 2028-05 | 10325.00 | 325.00 | 10000.00 | 110000.00 |
| 50 | 2028-06 | 10297.92 | 297.92 | 10000.00 | 100000.00 |
| 51 | 2028-07 | 10270.83 | 270.83 | 10000.00 | 90000.00 |
| 52 | 2028-08 | 10243.75 | 243.75 | 10000.00 | 80000.00 |
| 53 | 2028-09 | 10216.67 | 216.67 | 10000.00 | 70000.00 |
| 54 | 2028-10 | 10189.58 | 189.58 | 10000.00 | 60000.00 |
| 55 | 2028-11 | 10162.50 | 162.50 | 10000.00 | 50000.00 |
| 56 | 2028-12 | 10135.42 | 135.42 | 10000.00 | 40000.00 |
| 57 | 2029-01 | 10108.33 | 108.33 | 10000.00 | 30000.00 |
| 58 | 2029-02 | 10081.25 | 81.25 | 10000.00 | 20000.00 |
| 59 | 2029-03 | 10054.17 | 54.17 | 10000.00 | 10000.00 |
| 60 | 2029-04 | 10027.08 | 27.08 | 10000.00 | 0.00 |