贷款48万（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：48万
还款月数：5年
每月还款：8487.02元
利息总额：2.92万
本息合计：50.92万
| 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 | 8487.02 | 940.00 | 7547.02 | 472452.98 |
| 2 | 2024-12 | 8487.02 | 925.22 | 7561.80 | 464891.17 |
| 3 | 2025-01 | 8487.02 | 910.41 | 7576.61 | 457314.56 |
| 4 | 2025-02 | 8487.02 | 895.57 | 7591.45 | 449723.11 |
| 5 | 2025-03 | 8487.02 | 880.71 | 7606.32 | 442116.80 |
| 6 | 2025-04 | 8487.02 | 865.81 | 7621.21 | 434495.58 |
| 7 | 2025-05 | 8487.02 | 850.89 | 7636.14 | 426859.45 |
| 8 | 2025-06 | 8487.02 | 835.93 | 7651.09 | 419208.36 |
| 9 | 2025-07 | 8487.02 | 820.95 | 7666.07 | 411542.28 |
| 10 | 2025-08 | 8487.02 | 805.94 | 7681.09 | 403861.20 |
| 11 | 2025-09 | 8487.02 | 790.89 | 7696.13 | 396165.07 |
| 12 | 2025-10 | 8487.02 | 775.82 | 7711.20 | 388453.87 |
| 13 | 2025-11 | 8487.02 | 760.72 | 7726.30 | 380727.56 |
| 14 | 2025-12 | 8487.02 | 745.59 | 7741.43 | 372986.13 |
| 15 | 2026-01 | 8487.02 | 730.43 | 7756.59 | 365229.54 |
| 16 | 2026-02 | 8487.02 | 715.24 | 7771.78 | 357457.76 |
| 17 | 2026-03 | 8487.02 | 700.02 | 7787.00 | 349670.75 |
| 18 | 2026-04 | 8487.02 | 684.77 | 7802.25 | 341868.50 |
| 19 | 2026-05 | 8487.02 | 669.49 | 7817.53 | 334050.97 |
| 20 | 2026-06 | 8487.02 | 654.18 | 7832.84 | 326218.13 |
| 21 | 2026-07 | 8487.02 | 638.84 | 7848.18 | 318369.95 |
| 22 | 2026-08 | 8487.02 | 623.47 | 7863.55 | 310506.40 |
| 23 | 2026-09 | 8487.02 | 608.08 | 7878.95 | 302627.45 |
| 24 | 2026-10 | 8487.02 | 592.65 | 7894.38 | 294733.07 |
| 25 | 2026-11 | 8487.02 | 577.19 | 7909.84 | 286823.23 |
| 26 | 2026-12 | 8487.02 | 561.70 | 7925.33 | 278897.91 |
| 27 | 2027-01 | 8487.02 | 546.18 | 7940.85 | 270957.06 |
| 28 | 2027-02 | 8487.02 | 530.62 | 7956.40 | 263000.66 |
| 29 | 2027-03 | 8487.02 | 515.04 | 7971.98 | 255028.68 |
| 30 | 2027-04 | 8487.02 | 499.43 | 7987.59 | 247041.08 |
| 31 | 2027-05 | 8487.02 | 483.79 | 8003.24 | 239037.85 |
| 32 | 2027-06 | 8487.02 | 468.12 | 8018.91 | 231018.94 |
| 33 | 2027-07 | 8487.02 | 452.41 | 8034.61 | 222984.33 |
| 34 | 2027-08 | 8487.02 | 436.68 | 8050.35 | 214933.98 |
| 35 | 2027-09 | 8487.02 | 420.91 | 8066.11 | 206867.87 |
| 36 | 2027-10 | 8487.02 | 405.12 | 8081.91 | 198785.96 |
| 37 | 2027-11 | 8487.02 | 389.29 | 8097.73 | 190688.23 |
| 38 | 2027-12 | 8487.02 | 373.43 | 8113.59 | 182574.64 |
| 39 | 2028-01 | 8487.02 | 357.54 | 8129.48 | 174445.16 |
| 40 | 2028-02 | 8487.02 | 341.62 | 8145.40 | 166299.75 |
| 41 | 2028-03 | 8487.02 | 325.67 | 8161.35 | 158138.40 |
| 42 | 2028-04 | 8487.02 | 309.69 | 8177.34 | 149961.06 |
| 43 | 2028-05 | 8487.02 | 293.67 | 8193.35 | 141767.71 |
| 44 | 2028-06 | 8487.02 | 277.63 | 8209.40 | 133558.32 |
| 45 | 2028-07 | 8487.02 | 261.55 | 8225.47 | 125332.85 |
| 46 | 2028-08 | 8487.02 | 245.44 | 8241.58 | 117091.27 |
| 47 | 2028-09 | 8487.02 | 229.30 | 8257.72 | 108833.55 |
| 48 | 2028-10 | 8487.02 | 213.13 | 8273.89 | 100559.65 |
| 49 | 2028-11 | 8487.02 | 196.93 | 8290.09 | 92269.56 |
| 50 | 2028-12 | 8487.02 | 180.69 | 8306.33 | 83963.23 |
| 51 | 2029-01 | 8487.02 | 164.43 | 8322.60 | 75640.63 |
| 52 | 2029-02 | 8487.02 | 148.13 | 8338.89 | 67301.74 |
| 53 | 2029-03 | 8487.02 | 131.80 | 8355.22 | 58946.52 |
| 54 | 2029-04 | 8487.02 | 115.44 | 8371.59 | 50574.93 |
| 55 | 2029-05 | 8487.02 | 99.04 | 8387.98 | 42186.95 |
| 56 | 2029-06 | 8487.02 | 82.62 | 8404.41 | 33782.54 |
| 57 | 2029-07 | 8487.02 | 66.16 | 8420.87 | 25361.67 |
| 58 | 2029-08 | 8487.02 | 49.67 | 8437.36 | 16924.32 |
| 59 | 2029-09 | 8487.02 | 33.14 | 8453.88 | 8470.44 |
| 60 | 2029-10 | 8487.02 | 16.59 | 8470.44 | 0.00 |
等额本金还款方式：
贷款总额：48万
还款月数：5年
首月还款：8940元
每月递减：15.67元
利息总额：2.87万
本息合计：50.87万
节省利息：551.43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 | 8940.00 | 940.00 | 8000.00 | 472000.00 |
| 2 | 2024-12 | 8924.33 | 924.33 | 8000.00 | 464000.00 |
| 3 | 2025-01 | 8908.67 | 908.67 | 8000.00 | 456000.00 |
| 4 | 2025-02 | 8893.00 | 893.00 | 8000.00 | 448000.00 |
| 5 | 2025-03 | 8877.33 | 877.33 | 8000.00 | 440000.00 |
| 6 | 2025-04 | 8861.67 | 861.67 | 8000.00 | 432000.00 |
| 7 | 2025-05 | 8846.00 | 846.00 | 8000.00 | 424000.00 |
| 8 | 2025-06 | 8830.33 | 830.33 | 8000.00 | 416000.00 |
| 9 | 2025-07 | 8814.67 | 814.67 | 8000.00 | 408000.00 |
| 10 | 2025-08 | 8799.00 | 799.00 | 8000.00 | 400000.00 |
| 11 | 2025-09 | 8783.33 | 783.33 | 8000.00 | 392000.00 |
| 12 | 2025-10 | 8767.67 | 767.67 | 8000.00 | 384000.00 |
| 13 | 2025-11 | 8752.00 | 752.00 | 8000.00 | 376000.00 |
| 14 | 2025-12 | 8736.33 | 736.33 | 8000.00 | 368000.00 |
| 15 | 2026-01 | 8720.67 | 720.67 | 8000.00 | 360000.00 |
| 16 | 2026-02 | 8705.00 | 705.00 | 8000.00 | 352000.00 |
| 17 | 2026-03 | 8689.33 | 689.33 | 8000.00 | 344000.00 |
| 18 | 2026-04 | 8673.67 | 673.67 | 8000.00 | 336000.00 |
| 19 | 2026-05 | 8658.00 | 658.00 | 8000.00 | 328000.00 |
| 20 | 2026-06 | 8642.33 | 642.33 | 8000.00 | 320000.00 |
| 21 | 2026-07 | 8626.67 | 626.67 | 8000.00 | 312000.00 |
| 22 | 2026-08 | 8611.00 | 611.00 | 8000.00 | 304000.00 |
| 23 | 2026-09 | 8595.33 | 595.33 | 8000.00 | 296000.00 |
| 24 | 2026-10 | 8579.67 | 579.67 | 8000.00 | 288000.00 |
| 25 | 2026-11 | 8564.00 | 564.00 | 8000.00 | 280000.00 |
| 26 | 2026-12 | 8548.33 | 548.33 | 8000.00 | 272000.00 |
| 27 | 2027-01 | 8532.67 | 532.67 | 8000.00 | 264000.00 |
| 28 | 2027-02 | 8517.00 | 517.00 | 8000.00 | 256000.00 |
| 29 | 2027-03 | 8501.33 | 501.33 | 8000.00 | 248000.00 |
| 30 | 2027-04 | 8485.67 | 485.67 | 8000.00 | 240000.00 |
| 31 | 2027-05 | 8470.00 | 470.00 | 8000.00 | 232000.00 |
| 32 | 2027-06 | 8454.33 | 454.33 | 8000.00 | 224000.00 |
| 33 | 2027-07 | 8438.67 | 438.67 | 8000.00 | 216000.00 |
| 34 | 2027-08 | 8423.00 | 423.00 | 8000.00 | 208000.00 |
| 35 | 2027-09 | 8407.33 | 407.33 | 8000.00 | 200000.00 |
| 36 | 2027-10 | 8391.67 | 391.67 | 8000.00 | 192000.00 |
| 37 | 2027-11 | 8376.00 | 376.00 | 8000.00 | 184000.00 |
| 38 | 2027-12 | 8360.33 | 360.33 | 8000.00 | 176000.00 |
| 39 | 2028-01 | 8344.67 | 344.67 | 8000.00 | 168000.00 |
| 40 | 2028-02 | 8329.00 | 329.00 | 8000.00 | 160000.00 |
| 41 | 2028-03 | 8313.33 | 313.33 | 8000.00 | 152000.00 |
| 42 | 2028-04 | 8297.67 | 297.67 | 8000.00 | 144000.00 |
| 43 | 2028-05 | 8282.00 | 282.00 | 8000.00 | 136000.00 |
| 44 | 2028-06 | 8266.33 | 266.33 | 8000.00 | 128000.00 |
| 45 | 2028-07 | 8250.67 | 250.67 | 8000.00 | 120000.00 |
| 46 | 2028-08 | 8235.00 | 235.00 | 8000.00 | 112000.00 |
| 47 | 2028-09 | 8219.33 | 219.33 | 8000.00 | 104000.00 |
| 48 | 2028-10 | 8203.67 | 203.67 | 8000.00 | 96000.00 |
| 49 | 2028-11 | 8188.00 | 188.00 | 8000.00 | 88000.00 |
| 50 | 2028-12 | 8172.33 | 172.33 | 8000.00 | 80000.00 |
| 51 | 2029-01 | 8156.67 | 156.67 | 8000.00 | 72000.00 |
| 52 | 2029-02 | 8141.00 | 141.00 | 8000.00 | 64000.00 |
| 53 | 2029-03 | 8125.33 | 125.33 | 8000.00 | 56000.00 |
| 54 | 2029-04 | 8109.67 | 109.67 | 8000.00 | 48000.00 |
| 55 | 2029-05 | 8094.00 | 94.00 | 8000.00 | 40000.00 |
| 56 | 2029-06 | 8078.33 | 78.33 | 8000.00 | 32000.00 |
| 57 | 2029-07 | 8062.67 | 62.67 | 8000.00 | 24000.00 |
| 58 | 2029-08 | 8047.00 | 47.00 | 8000.00 | 16000.00 |
| 59 | 2029-09 | 8031.33 | 31.33 | 8000.00 | 8000.00 |
| 60 | 2029-10 | 8015.67 | 15.67 | 8000.00 | 0.00 |