贷款6.5万（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：6.5万
还款月数：5年
每月还款：1161.48元
利息总额：4688.63元
本息合计：6.97万
| 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 | 1161.48 | 150.31 | 1011.16 | 63988.84 |
| 2 | 2024-12 | 1161.48 | 147.97 | 1013.50 | 62975.33 |
| 3 | 2025-01 | 1161.48 | 145.63 | 1015.85 | 61959.49 |
| 4 | 2025-02 | 1161.48 | 143.28 | 1018.20 | 60941.29 |
| 5 | 2025-03 | 1161.48 | 140.93 | 1020.55 | 59920.74 |
| 6 | 2025-04 | 1161.48 | 138.57 | 1022.91 | 58897.83 |
| 7 | 2025-05 | 1161.48 | 136.20 | 1025.28 | 57872.55 |
| 8 | 2025-06 | 1161.48 | 133.83 | 1027.65 | 56844.91 |
| 9 | 2025-07 | 1161.48 | 131.45 | 1030.02 | 55814.88 |
| 10 | 2025-08 | 1161.48 | 129.07 | 1032.41 | 54782.48 |
| 11 | 2025-09 | 1161.48 | 126.68 | 1034.79 | 53747.69 |
| 12 | 2025-10 | 1161.48 | 124.29 | 1037.19 | 52710.50 |
| 13 | 2025-11 | 1161.48 | 121.89 | 1039.58 | 51670.92 |
| 14 | 2025-12 | 1161.48 | 119.49 | 1041.99 | 50628.93 |
| 15 | 2026-01 | 1161.48 | 117.08 | 1044.40 | 49584.53 |
| 16 | 2026-02 | 1161.48 | 114.66 | 1046.81 | 48537.72 |
| 17 | 2026-03 | 1161.48 | 112.24 | 1049.23 | 47488.48 |
| 18 | 2026-04 | 1161.48 | 109.82 | 1051.66 | 46436.82 |
| 19 | 2026-05 | 1161.48 | 107.39 | 1054.09 | 45382.73 |
| 20 | 2026-06 | 1161.48 | 104.95 | 1056.53 | 44326.20 |
| 21 | 2026-07 | 1161.48 | 102.50 | 1058.97 | 43267.23 |
| 22 | 2026-08 | 1161.48 | 100.06 | 1061.42 | 42205.81 |
| 23 | 2026-09 | 1161.48 | 97.60 | 1063.88 | 41141.93 |
| 24 | 2026-10 | 1161.48 | 95.14 | 1066.34 | 40075.59 |
| 25 | 2026-11 | 1161.48 | 92.67 | 1068.80 | 39006.79 |
| 26 | 2026-12 | 1161.48 | 90.20 | 1071.27 | 37935.52 |
| 27 | 2027-01 | 1161.48 | 87.73 | 1073.75 | 36861.77 |
| 28 | 2027-02 | 1161.48 | 85.24 | 1076.23 | 35785.53 |
| 29 | 2027-03 | 1161.48 | 82.75 | 1078.72 | 34706.81 |
| 30 | 2027-04 | 1161.48 | 80.26 | 1081.22 | 33625.59 |
| 31 | 2027-05 | 1161.48 | 77.76 | 1083.72 | 32541.87 |
| 32 | 2027-06 | 1161.48 | 75.25 | 1086.22 | 31455.65 |
| 33 | 2027-07 | 1161.48 | 72.74 | 1088.74 | 30366.91 |
| 34 | 2027-08 | 1161.48 | 70.22 | 1091.25 | 29275.66 |
| 35 | 2027-09 | 1161.48 | 67.70 | 1093.78 | 28181.88 |
| 36 | 2027-10 | 1161.48 | 65.17 | 1096.31 | 27085.58 |
| 37 | 2027-11 | 1161.48 | 62.64 | 1098.84 | 25986.73 |
| 38 | 2027-12 | 1161.48 | 60.09 | 1101.38 | 24885.35 |
| 39 | 2028-01 | 1161.48 | 57.55 | 1103.93 | 23781.42 |
| 40 | 2028-02 | 1161.48 | 54.99 | 1106.48 | 22674.94 |
| 41 | 2028-03 | 1161.48 | 52.44 | 1109.04 | 21565.90 |
| 42 | 2028-04 | 1161.48 | 49.87 | 1111.61 | 20454.29 |
| 43 | 2028-05 | 1161.48 | 47.30 | 1114.18 | 19340.12 |
| 44 | 2028-06 | 1161.48 | 44.72 | 1116.75 | 18223.36 |
| 45 | 2028-07 | 1161.48 | 42.14 | 1119.34 | 17104.03 |
| 46 | 2028-08 | 1161.48 | 39.55 | 1121.92 | 15982.10 |
| 47 | 2028-09 | 1161.48 | 36.96 | 1124.52 | 14857.58 |
| 48 | 2028-10 | 1161.48 | 34.36 | 1127.12 | 13730.47 |
| 49 | 2028-11 | 1161.48 | 31.75 | 1129.73 | 12600.74 |
| 50 | 2028-12 | 1161.48 | 29.14 | 1132.34 | 11468.40 |
| 51 | 2029-01 | 1161.48 | 26.52 | 1134.96 | 10333.45 |
| 52 | 2029-02 | 1161.48 | 23.90 | 1137.58 | 9195.86 |
| 53 | 2029-03 | 1161.48 | 21.27 | 1140.21 | 8055.65 |
| 54 | 2029-04 | 1161.48 | 18.63 | 1142.85 | 6912.80 |
| 55 | 2029-05 | 1161.48 | 15.99 | 1145.49 | 5767.31 |
| 56 | 2029-06 | 1161.48 | 13.34 | 1148.14 | 4619.17 |
| 57 | 2029-07 | 1161.48 | 10.68 | 1150.80 | 3468.38 |
| 58 | 2029-08 | 1161.48 | 8.02 | 1153.46 | 2314.92 |
| 59 | 2029-09 | 1161.48 | 5.35 | 1156.12 | 1158.80 |
| 60 | 2029-10 | 1161.48 | 2.68 | 1158.80 | 0.00 |
等额本金还款方式：
贷款总额：6.5万
还款月数：5年
首月还款：1233.65元
每月递减：2.51元
利息总额：4584.53元
本息合计：6.96万
节省利息：104.1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 | 1233.65 | 150.31 | 1083.33 | 63916.67 |
| 2 | 2024-12 | 1231.14 | 147.81 | 1083.33 | 62833.33 |
| 3 | 2025-01 | 1228.64 | 145.30 | 1083.33 | 61750.00 |
| 4 | 2025-02 | 1226.13 | 142.80 | 1083.33 | 60666.67 |
| 5 | 2025-03 | 1223.63 | 140.29 | 1083.33 | 59583.33 |
| 6 | 2025-04 | 1221.12 | 137.79 | 1083.33 | 58500.00 |
| 7 | 2025-05 | 1218.61 | 135.28 | 1083.33 | 57416.67 |
| 8 | 2025-06 | 1216.11 | 132.78 | 1083.33 | 56333.33 |
| 9 | 2025-07 | 1213.60 | 130.27 | 1083.33 | 55250.00 |
| 10 | 2025-08 | 1211.10 | 127.77 | 1083.33 | 54166.67 |
| 11 | 2025-09 | 1208.59 | 125.26 | 1083.33 | 53083.33 |
| 12 | 2025-10 | 1206.09 | 122.76 | 1083.33 | 52000.00 |
| 13 | 2025-11 | 1203.58 | 120.25 | 1083.33 | 50916.67 |
| 14 | 2025-12 | 1201.08 | 117.74 | 1083.33 | 49833.33 |
| 15 | 2026-01 | 1198.57 | 115.24 | 1083.33 | 48750.00 |
| 16 | 2026-02 | 1196.07 | 112.73 | 1083.33 | 47666.67 |
| 17 | 2026-03 | 1193.56 | 110.23 | 1083.33 | 46583.33 |
| 18 | 2026-04 | 1191.06 | 107.72 | 1083.33 | 45500.00 |
| 19 | 2026-05 | 1188.55 | 105.22 | 1083.33 | 44416.67 |
| 20 | 2026-06 | 1186.05 | 102.71 | 1083.33 | 43333.33 |
| 21 | 2026-07 | 1183.54 | 100.21 | 1083.33 | 42250.00 |
| 22 | 2026-08 | 1181.04 | 97.70 | 1083.33 | 41166.67 |
| 23 | 2026-09 | 1178.53 | 95.20 | 1083.33 | 40083.33 |
| 24 | 2026-10 | 1176.03 | 92.69 | 1083.33 | 39000.00 |
| 25 | 2026-11 | 1173.52 | 90.19 | 1083.33 | 37916.67 |
| 26 | 2026-12 | 1171.02 | 87.68 | 1083.33 | 36833.33 |
| 27 | 2027-01 | 1168.51 | 85.18 | 1083.33 | 35750.00 |
| 28 | 2027-02 | 1166.01 | 82.67 | 1083.33 | 34666.67 |
| 29 | 2027-03 | 1163.50 | 80.17 | 1083.33 | 33583.33 |
| 30 | 2027-04 | 1160.99 | 77.66 | 1083.33 | 32500.00 |
| 31 | 2027-05 | 1158.49 | 75.16 | 1083.33 | 31416.67 |
| 32 | 2027-06 | 1155.98 | 72.65 | 1083.33 | 30333.33 |
| 33 | 2027-07 | 1153.48 | 70.15 | 1083.33 | 29250.00 |
| 34 | 2027-08 | 1150.97 | 67.64 | 1083.33 | 28166.67 |
| 35 | 2027-09 | 1148.47 | 65.14 | 1083.33 | 27083.33 |
| 36 | 2027-10 | 1145.96 | 62.63 | 1083.33 | 26000.00 |
| 37 | 2027-11 | 1143.46 | 60.13 | 1083.33 | 24916.67 |
| 38 | 2027-12 | 1140.95 | 57.62 | 1083.33 | 23833.33 |
| 39 | 2028-01 | 1138.45 | 55.11 | 1083.33 | 22750.00 |
| 40 | 2028-02 | 1135.94 | 52.61 | 1083.33 | 21666.67 |
| 41 | 2028-03 | 1133.44 | 50.10 | 1083.33 | 20583.33 |
| 42 | 2028-04 | 1130.93 | 47.60 | 1083.33 | 19500.00 |
| 43 | 2028-05 | 1128.43 | 45.09 | 1083.33 | 18416.67 |
| 44 | 2028-06 | 1125.92 | 42.59 | 1083.33 | 17333.33 |
| 45 | 2028-07 | 1123.42 | 40.08 | 1083.33 | 16250.00 |
| 46 | 2028-08 | 1120.91 | 37.58 | 1083.33 | 15166.67 |
| 47 | 2028-09 | 1118.41 | 35.07 | 1083.33 | 14083.33 |
| 48 | 2028-10 | 1115.90 | 32.57 | 1083.33 | 13000.00 |
| 49 | 2028-11 | 1113.40 | 30.06 | 1083.33 | 11916.67 |
| 50 | 2028-12 | 1110.89 | 27.56 | 1083.33 | 10833.33 |
| 51 | 2029-01 | 1108.39 | 25.05 | 1083.33 | 9750.00 |
| 52 | 2029-02 | 1105.88 | 22.55 | 1083.33 | 8666.67 |
| 53 | 2029-03 | 1103.38 | 20.04 | 1083.33 | 7583.33 |
| 54 | 2029-04 | 1100.87 | 17.54 | 1083.33 | 6500.00 |
| 55 | 2029-05 | 1098.36 | 15.03 | 1083.33 | 5416.67 |
| 56 | 2029-06 | 1095.86 | 12.53 | 1083.33 | 4333.33 |
| 57 | 2029-07 | 1093.35 | 10.02 | 1083.33 | 3250.00 |
| 58 | 2029-08 | 1090.85 | 7.52 | 1083.33 | 2166.67 |
| 59 | 2029-09 | 1088.34 | 5.01 | 1083.33 | 1083.33 |
| 60 | 2029-10 | 1085.84 | 2.51 | 1083.33 | 0.00 |