贷款90万（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：90万
还款月数：5年
每月还款：16272元
利息总额：7.63万
本息合计：97.63万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 16272.00 | 2437.50 | 13834.50 | 886165.50 |
| 2 | 2024-12 | 16272.00 | 2400.03 | 13871.97 | 872293.53 |
| 3 | 2025-01 | 16272.00 | 2362.46 | 13909.54 | 858383.99 |
| 4 | 2025-02 | 16272.00 | 2324.79 | 13947.21 | 844436.77 |
| 5 | 2025-03 | 16272.00 | 2287.02 | 13984.99 | 830451.79 |
| 6 | 2025-04 | 16272.00 | 2249.14 | 14022.86 | 816428.93 |
| 7 | 2025-05 | 16272.00 | 2211.16 | 14060.84 | 802368.09 |
| 8 | 2025-06 | 16272.00 | 2173.08 | 14098.92 | 788269.16 |
| 9 | 2025-07 | 16272.00 | 2134.90 | 14137.11 | 774132.06 |
| 10 | 2025-08 | 16272.00 | 2096.61 | 14175.39 | 759956.66 |
| 11 | 2025-09 | 16272.00 | 2058.22 | 14213.79 | 745742.88 |
| 12 | 2025-10 | 16272.00 | 2019.72 | 14252.28 | 731490.60 |
| 13 | 2025-11 | 16272.00 | 1981.12 | 14290.88 | 717199.71 |
| 14 | 2025-12 | 16272.00 | 1942.42 | 14329.59 | 702870.13 |
| 15 | 2026-01 | 16272.00 | 1903.61 | 14368.40 | 688501.73 |
| 16 | 2026-02 | 16272.00 | 1864.69 | 14407.31 | 674094.42 |
| 17 | 2026-03 | 16272.00 | 1825.67 | 14446.33 | 659648.09 |
| 18 | 2026-04 | 16272.00 | 1786.55 | 14485.46 | 645162.64 |
| 19 | 2026-05 | 16272.00 | 1747.32 | 14524.69 | 630637.95 |
| 20 | 2026-06 | 16272.00 | 1707.98 | 14564.02 | 616073.93 |
| 21 | 2026-07 | 16272.00 | 1668.53 | 14603.47 | 601470.46 |
| 22 | 2026-08 | 16272.00 | 1628.98 | 14643.02 | 586827.44 |
| 23 | 2026-09 | 16272.00 | 1589.32 | 14682.68 | 572144.76 |
| 24 | 2026-10 | 16272.00 | 1549.56 | 14722.44 | 557422.32 |
| 25 | 2026-11 | 16272.00 | 1509.69 | 14762.32 | 542660.00 |
| 26 | 2026-12 | 16272.00 | 1469.70 | 14802.30 | 527857.70 |
| 27 | 2027-01 | 16272.00 | 1429.61 | 14842.39 | 513015.32 |
| 28 | 2027-02 | 16272.00 | 1389.42 | 14882.59 | 498132.73 |
| 29 | 2027-03 | 16272.00 | 1349.11 | 14922.89 | 483209.84 |
| 30 | 2027-04 | 16272.00 | 1308.69 | 14963.31 | 468246.53 |
| 31 | 2027-05 | 16272.00 | 1268.17 | 15003.83 | 453242.69 |
| 32 | 2027-06 | 16272.00 | 1227.53 | 15044.47 | 438198.22 |
| 33 | 2027-07 | 16272.00 | 1186.79 | 15085.22 | 423113.01 |
| 34 | 2027-08 | 16272.00 | 1145.93 | 15126.07 | 407986.94 |
| 35 | 2027-09 | 16272.00 | 1104.96 | 15167.04 | 392819.90 |
| 36 | 2027-10 | 16272.00 | 1063.89 | 15208.11 | 377611.79 |
| 37 | 2027-11 | 16272.00 | 1022.70 | 15249.30 | 362362.48 |
| 38 | 2027-12 | 16272.00 | 981.40 | 15290.60 | 347071.88 |
| 39 | 2028-01 | 16272.00 | 939.99 | 15332.02 | 331739.86 |
| 40 | 2028-02 | 16272.00 | 898.46 | 15373.54 | 316366.32 |
| 41 | 2028-03 | 16272.00 | 856.83 | 15415.18 | 300951.15 |
| 42 | 2028-04 | 16272.00 | 815.08 | 15456.93 | 285494.22 |
| 43 | 2028-05 | 16272.00 | 773.21 | 15498.79 | 269995.43 |
| 44 | 2028-06 | 16272.00 | 731.24 | 15540.76 | 254454.67 |
| 45 | 2028-07 | 16272.00 | 689.15 | 15582.85 | 238871.81 |
| 46 | 2028-08 | 16272.00 | 646.94 | 15625.06 | 223246.76 |
| 47 | 2028-09 | 16272.00 | 604.63 | 15667.38 | 207579.38 |
| 48 | 2028-10 | 16272.00 | 562.19 | 15709.81 | 191869.57 |
| 49 | 2028-11 | 16272.00 | 519.65 | 15752.36 | 176117.22 |
| 50 | 2028-12 | 16272.00 | 476.98 | 15795.02 | 160322.20 |
| 51 | 2029-01 | 16272.00 | 434.21 | 15837.80 | 144484.40 |
| 52 | 2029-02 | 16272.00 | 391.31 | 15880.69 | 128603.71 |
| 53 | 2029-03 | 16272.00 | 348.30 | 15923.70 | 112680.01 |
| 54 | 2029-04 | 16272.00 | 305.18 | 15966.83 | 96713.19 |
| 55 | 2029-05 | 16272.00 | 261.93 | 16010.07 | 80703.12 |
| 56 | 2029-06 | 16272.00 | 218.57 | 16053.43 | 64649.68 |
| 57 | 2029-07 | 16272.00 | 175.09 | 16096.91 | 48552.77 |
| 58 | 2029-08 | 16272.00 | 131.50 | 16140.50 | 32412.27 |
| 59 | 2029-09 | 16272.00 | 87.78 | 16184.22 | 16228.05 |
| 60 | 2029-10 | 16272.00 | 43.95 | 16228.05 | 0.00 |
等额本金还款方式：
贷款总额：90万
还款月数：5年
首月还款：17437.5元
每月递减：40.63元
利息总额：7.43万
本息合计：97.43万
节省利息：1976.37元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 17437.50 | 2437.50 | 15000.00 | 885000.00 |
| 2 | 2024-12 | 17396.88 | 2396.88 | 15000.00 | 870000.00 |
| 3 | 2025-01 | 17356.25 | 2356.25 | 15000.00 | 855000.00 |
| 4 | 2025-02 | 17315.63 | 2315.63 | 15000.00 | 840000.00 |
| 5 | 2025-03 | 17275.00 | 2275.00 | 15000.00 | 825000.00 |
| 6 | 2025-04 | 17234.38 | 2234.38 | 15000.00 | 810000.00 |
| 7 | 2025-05 | 17193.75 | 2193.75 | 15000.00 | 795000.00 |
| 8 | 2025-06 | 17153.13 | 2153.13 | 15000.00 | 780000.00 |
| 9 | 2025-07 | 17112.50 | 2112.50 | 15000.00 | 765000.00 |
| 10 | 2025-08 | 17071.88 | 2071.88 | 15000.00 | 750000.00 |
| 11 | 2025-09 | 17031.25 | 2031.25 | 15000.00 | 735000.00 |
| 12 | 2025-10 | 16990.63 | 1990.63 | 15000.00 | 720000.00 |
| 13 | 2025-11 | 16950.00 | 1950.00 | 15000.00 | 705000.00 |
| 14 | 2025-12 | 16909.38 | 1909.38 | 15000.00 | 690000.00 |
| 15 | 2026-01 | 16868.75 | 1868.75 | 15000.00 | 675000.00 |
| 16 | 2026-02 | 16828.13 | 1828.13 | 15000.00 | 660000.00 |
| 17 | 2026-03 | 16787.50 | 1787.50 | 15000.00 | 645000.00 |
| 18 | 2026-04 | 16746.88 | 1746.88 | 15000.00 | 630000.00 |
| 19 | 2026-05 | 16706.25 | 1706.25 | 15000.00 | 615000.00 |
| 20 | 2026-06 | 16665.63 | 1665.63 | 15000.00 | 600000.00 |
| 21 | 2026-07 | 16625.00 | 1625.00 | 15000.00 | 585000.00 |
| 22 | 2026-08 | 16584.38 | 1584.38 | 15000.00 | 570000.00 |
| 23 | 2026-09 | 16543.75 | 1543.75 | 15000.00 | 555000.00 |
| 24 | 2026-10 | 16503.13 | 1503.13 | 15000.00 | 540000.00 |
| 25 | 2026-11 | 16462.50 | 1462.50 | 15000.00 | 525000.00 |
| 26 | 2026-12 | 16421.88 | 1421.88 | 15000.00 | 510000.00 |
| 27 | 2027-01 | 16381.25 | 1381.25 | 15000.00 | 495000.00 |
| 28 | 2027-02 | 16340.63 | 1340.63 | 15000.00 | 480000.00 |
| 29 | 2027-03 | 16300.00 | 1300.00 | 15000.00 | 465000.00 |
| 30 | 2027-04 | 16259.38 | 1259.38 | 15000.00 | 450000.00 |
| 31 | 2027-05 | 16218.75 | 1218.75 | 15000.00 | 435000.00 |
| 32 | 2027-06 | 16178.13 | 1178.13 | 15000.00 | 420000.00 |
| 33 | 2027-07 | 16137.50 | 1137.50 | 15000.00 | 405000.00 |
| 34 | 2027-08 | 16096.88 | 1096.88 | 15000.00 | 390000.00 |
| 35 | 2027-09 | 16056.25 | 1056.25 | 15000.00 | 375000.00 |
| 36 | 2027-10 | 16015.63 | 1015.63 | 15000.00 | 360000.00 |
| 37 | 2027-11 | 15975.00 | 975.00 | 15000.00 | 345000.00 |
| 38 | 2027-12 | 15934.38 | 934.38 | 15000.00 | 330000.00 |
| 39 | 2028-01 | 15893.75 | 893.75 | 15000.00 | 315000.00 |
| 40 | 2028-02 | 15853.13 | 853.13 | 15000.00 | 300000.00 |
| 41 | 2028-03 | 15812.50 | 812.50 | 15000.00 | 285000.00 |
| 42 | 2028-04 | 15771.88 | 771.88 | 15000.00 | 270000.00 |
| 43 | 2028-05 | 15731.25 | 731.25 | 15000.00 | 255000.00 |
| 44 | 2028-06 | 15690.63 | 690.63 | 15000.00 | 240000.00 |
| 45 | 2028-07 | 15650.00 | 650.00 | 15000.00 | 225000.00 |
| 46 | 2028-08 | 15609.38 | 609.38 | 15000.00 | 210000.00 |
| 47 | 2028-09 | 15568.75 | 568.75 | 15000.00 | 195000.00 |
| 48 | 2028-10 | 15528.13 | 528.13 | 15000.00 | 180000.00 |
| 49 | 2028-11 | 15487.50 | 487.50 | 15000.00 | 165000.00 |
| 50 | 2028-12 | 15446.88 | 446.88 | 15000.00 | 150000.00 |
| 51 | 2029-01 | 15406.25 | 406.25 | 15000.00 | 135000.00 |
| 52 | 2029-02 | 15365.63 | 365.63 | 15000.00 | 120000.00 |
| 53 | 2029-03 | 15325.00 | 325.00 | 15000.00 | 105000.00 |
| 54 | 2029-04 | 15284.38 | 284.38 | 15000.00 | 90000.00 |
| 55 | 2029-05 | 15243.75 | 243.75 | 15000.00 | 75000.00 |
| 56 | 2029-06 | 15203.13 | 203.13 | 15000.00 | 60000.00 |
| 57 | 2029-07 | 15162.50 | 162.50 | 15000.00 | 45000.00 |
| 58 | 2029-08 | 15121.88 | 121.88 | 15000.00 | 30000.00 |
| 59 | 2029-09 | 15081.25 | 81.25 | 15000.00 | 15000.00 |
| 60 | 2029-10 | 15040.63 | 40.63 | 15000.00 | 0.00 |