上海贷款80元（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元
还款月数：5年
每月还款：5.32元
利息总额：239.3元
本息合计：319.3元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 5.32 | 5.20 | 0.12 | 79.88 |
| 2 | 2024-10 | 5.32 | 5.19 | 0.13 | 79.75 |
| 3 | 2024-11 | 5.32 | 5.18 | 0.14 | 79.61 |
| 4 | 2024-12 | 5.32 | 5.17 | 0.15 | 79.46 |
| 5 | 2025-01 | 5.32 | 5.17 | 0.16 | 79.31 |
| 6 | 2025-02 | 5.32 | 5.15 | 0.17 | 79.14 |
| 7 | 2025-03 | 5.32 | 5.14 | 0.18 | 78.96 |
| 8 | 2025-04 | 5.32 | 5.13 | 0.19 | 78.77 |
| 9 | 2025-05 | 5.32 | 5.12 | 0.20 | 78.57 |
| 10 | 2025-06 | 5.32 | 5.11 | 0.21 | 78.36 |
| 11 | 2025-07 | 5.32 | 5.09 | 0.23 | 78.13 |
| 12 | 2025-08 | 5.32 | 5.08 | 0.24 | 77.89 |
| 13 | 2025-09 | 5.32 | 5.06 | 0.26 | 77.63 |
| 14 | 2025-10 | 5.32 | 5.05 | 0.28 | 77.35 |
| 15 | 2025-11 | 5.32 | 5.03 | 0.29 | 77.06 |
| 16 | 2025-12 | 5.32 | 5.01 | 0.31 | 76.75 |
| 17 | 2026-01 | 5.32 | 4.99 | 0.33 | 76.41 |
| 18 | 2026-02 | 5.32 | 4.97 | 0.35 | 76.06 |
| 19 | 2026-03 | 5.32 | 4.94 | 0.38 | 75.68 |
| 20 | 2026-04 | 5.32 | 4.92 | 0.40 | 75.28 |
| 21 | 2026-05 | 5.32 | 4.89 | 0.43 | 74.85 |
| 22 | 2026-06 | 5.32 | 4.87 | 0.46 | 74.39 |
| 23 | 2026-07 | 5.32 | 4.84 | 0.49 | 73.91 |
| 24 | 2026-08 | 5.32 | 4.80 | 0.52 | 73.39 |
| 25 | 2026-09 | 5.32 | 4.77 | 0.55 | 72.84 |
| 26 | 2026-10 | 5.32 | 4.73 | 0.59 | 72.25 |
| 27 | 2026-11 | 5.32 | 4.70 | 0.63 | 71.62 |
| 28 | 2026-12 | 5.32 | 4.66 | 0.67 | 70.96 |
| 29 | 2027-01 | 5.32 | 4.61 | 0.71 | 70.25 |
| 30 | 2027-02 | 5.32 | 4.57 | 0.76 | 69.49 |
| 31 | 2027-03 | 5.32 | 4.52 | 0.80 | 68.69 |
| 32 | 2027-04 | 5.32 | 4.46 | 0.86 | 67.83 |
| 33 | 2027-05 | 5.32 | 4.41 | 0.91 | 66.92 |
| 34 | 2027-06 | 5.32 | 4.35 | 0.97 | 65.95 |
| 35 | 2027-07 | 5.32 | 4.29 | 1.04 | 64.91 |
| 36 | 2027-08 | 5.32 | 4.22 | 1.10 | 63.81 |
| 37 | 2027-09 | 5.32 | 4.15 | 1.17 | 62.64 |
| 38 | 2027-10 | 5.32 | 4.07 | 1.25 | 61.39 |
| 39 | 2027-11 | 5.32 | 3.99 | 1.33 | 60.05 |
| 40 | 2027-12 | 5.32 | 3.90 | 1.42 | 58.64 |
| 41 | 2028-01 | 5.32 | 3.81 | 1.51 | 57.13 |
| 42 | 2028-02 | 5.32 | 3.71 | 1.61 | 55.52 |
| 43 | 2028-03 | 5.32 | 3.61 | 1.71 | 53.80 |
| 44 | 2028-04 | 5.32 | 3.50 | 1.82 | 51.98 |
| 45 | 2028-05 | 5.32 | 3.38 | 1.94 | 50.04 |
| 46 | 2028-06 | 5.32 | 3.25 | 2.07 | 47.97 |
| 47 | 2028-07 | 5.32 | 3.12 | 2.20 | 45.76 |
| 48 | 2028-08 | 5.32 | 2.97 | 2.35 | 43.42 |
| 49 | 2028-09 | 5.32 | 2.82 | 2.50 | 40.92 |
| 50 | 2028-10 | 5.32 | 2.66 | 2.66 | 38.26 |
| 51 | 2028-11 | 5.32 | 2.49 | 2.83 | 35.42 |
| 52 | 2028-12 | 5.32 | 2.30 | 3.02 | 32.40 |
| 53 | 2029-01 | 5.32 | 2.11 | 3.22 | 29.19 |
| 54 | 2029-02 | 5.32 | 1.90 | 3.42 | 25.76 |
| 55 | 2029-03 | 5.32 | 1.67 | 3.65 | 22.12 |
| 56 | 2029-04 | 5.32 | 1.44 | 3.88 | 18.23 |
| 57 | 2029-05 | 5.32 | 1.19 | 4.14 | 14.09 |
| 58 | 2029-06 | 5.32 | 0.92 | 4.41 | 9.69 |
| 59 | 2029-07 | 5.32 | 0.63 | 4.69 | 5.00 |
| 60 | 2029-08 | 5.32 | 0.32 | 5.00 | 0.00 |
等额本金还款方式：
贷款总额：80元
还款月数：5年
首月还款：6.53元
每月递减：0.09元
利息总额：158.6元
本息合计：238.6元
节省利息：80.7元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 6.53 | 5.20 | 1.33 | 78.67 |
| 2 | 2024-10 | 6.45 | 5.11 | 1.33 | 77.33 |
| 3 | 2024-11 | 6.36 | 5.03 | 1.33 | 76.00 |
| 4 | 2024-12 | 6.27 | 4.94 | 1.33 | 74.67 |
| 5 | 2025-01 | 6.19 | 4.85 | 1.33 | 73.33 |
| 6 | 2025-02 | 6.10 | 4.77 | 1.33 | 72.00 |
| 7 | 2025-03 | 6.01 | 4.68 | 1.33 | 70.67 |
| 8 | 2025-04 | 5.93 | 4.59 | 1.33 | 69.33 |
| 9 | 2025-05 | 5.84 | 4.51 | 1.33 | 68.00 |
| 10 | 2025-06 | 5.75 | 4.42 | 1.33 | 66.67 |
| 11 | 2025-07 | 5.67 | 4.33 | 1.33 | 65.33 |
| 12 | 2025-08 | 5.58 | 4.25 | 1.33 | 64.00 |
| 13 | 2025-09 | 5.49 | 4.16 | 1.33 | 62.67 |
| 14 | 2025-10 | 5.41 | 4.07 | 1.33 | 61.33 |
| 15 | 2025-11 | 5.32 | 3.99 | 1.33 | 60.00 |
| 16 | 2025-12 | 5.23 | 3.90 | 1.33 | 58.67 |
| 17 | 2026-01 | 5.15 | 3.81 | 1.33 | 57.33 |
| 18 | 2026-02 | 5.06 | 3.73 | 1.33 | 56.00 |
| 19 | 2026-03 | 4.97 | 3.64 | 1.33 | 54.67 |
| 20 | 2026-04 | 4.89 | 3.55 | 1.33 | 53.33 |
| 21 | 2026-05 | 4.80 | 3.47 | 1.33 | 52.00 |
| 22 | 2026-06 | 4.71 | 3.38 | 1.33 | 50.67 |
| 23 | 2026-07 | 4.63 | 3.29 | 1.33 | 49.33 |
| 24 | 2026-08 | 4.54 | 3.21 | 1.33 | 48.00 |
| 25 | 2026-09 | 4.45 | 3.12 | 1.33 | 46.67 |
| 26 | 2026-10 | 4.37 | 3.03 | 1.33 | 45.33 |
| 27 | 2026-11 | 4.28 | 2.95 | 1.33 | 44.00 |
| 28 | 2026-12 | 4.19 | 2.86 | 1.33 | 42.67 |
| 29 | 2027-01 | 4.11 | 2.77 | 1.33 | 41.33 |
| 30 | 2027-02 | 4.02 | 2.69 | 1.33 | 40.00 |
| 31 | 2027-03 | 3.93 | 2.60 | 1.33 | 38.67 |
| 32 | 2027-04 | 3.85 | 2.51 | 1.33 | 37.33 |
| 33 | 2027-05 | 3.76 | 2.43 | 1.33 | 36.00 |
| 34 | 2027-06 | 3.67 | 2.34 | 1.33 | 34.67 |
| 35 | 2027-07 | 3.59 | 2.25 | 1.33 | 33.33 |
| 36 | 2027-08 | 3.50 | 2.17 | 1.33 | 32.00 |
| 37 | 2027-09 | 3.41 | 2.08 | 1.33 | 30.67 |
| 38 | 2027-10 | 3.33 | 1.99 | 1.33 | 29.33 |
| 39 | 2027-11 | 3.24 | 1.91 | 1.33 | 28.00 |
| 40 | 2027-12 | 3.15 | 1.82 | 1.33 | 26.67 |
| 41 | 2028-01 | 3.07 | 1.73 | 1.33 | 25.33 |
| 42 | 2028-02 | 2.98 | 1.65 | 1.33 | 24.00 |
| 43 | 2028-03 | 2.89 | 1.56 | 1.33 | 22.67 |
| 44 | 2028-04 | 2.81 | 1.47 | 1.33 | 21.33 |
| 45 | 2028-05 | 2.72 | 1.39 | 1.33 | 20.00 |
| 46 | 2028-06 | 2.63 | 1.30 | 1.33 | 18.67 |
| 47 | 2028-07 | 2.55 | 1.21 | 1.33 | 17.33 |
| 48 | 2028-08 | 2.46 | 1.13 | 1.33 | 16.00 |
| 49 | 2028-09 | 2.37 | 1.04 | 1.33 | 14.67 |
| 50 | 2028-10 | 2.29 | 0.95 | 1.33 | 13.33 |
| 51 | 2028-11 | 2.20 | 0.87 | 1.33 | 12.00 |
| 52 | 2028-12 | 2.11 | 0.78 | 1.33 | 10.67 |
| 53 | 2029-01 | 2.03 | 0.69 | 1.33 | 9.33 |
| 54 | 2029-02 | 1.94 | 0.61 | 1.33 | 8.00 |
| 55 | 2029-03 | 1.85 | 0.52 | 1.33 | 6.67 |
| 56 | 2029-04 | 1.77 | 0.43 | 1.33 | 5.33 |
| 57 | 2029-05 | 1.68 | 0.35 | 1.33 | 4.00 |
| 58 | 2029-06 | 1.59 | 0.26 | 1.33 | 2.67 |
| 59 | 2029-07 | 1.51 | 0.17 | 1.33 | 1.33 |
| 60 | 2029-08 | 1.42 | 0.09 | 1.33 | 0.00 |