贷款42.25万（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：42.25万
还款月数：5年
每月还款：7639.01元
利息总额：3.58万
本息合计：45.83万
| 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 | 7639.01 | 1144.30 | 6494.71 | 416017.04 |
| 2 | 2024-12 | 7639.01 | 1126.71 | 6512.30 | 409504.74 |
| 3 | 2025-01 | 7639.01 | 1109.08 | 6529.94 | 402974.80 |
| 4 | 2025-02 | 7639.01 | 1091.39 | 6547.62 | 396427.18 |
| 5 | 2025-03 | 7639.01 | 1073.66 | 6565.36 | 389861.82 |
| 6 | 2025-04 | 7639.01 | 1055.88 | 6583.14 | 383278.68 |
| 7 | 2025-05 | 7639.01 | 1038.05 | 6600.97 | 376677.72 |
| 8 | 2025-06 | 7639.01 | 1020.17 | 6618.84 | 370058.87 |
| 9 | 2025-07 | 7639.01 | 1002.24 | 6636.77 | 363422.10 |
| 10 | 2025-08 | 7639.01 | 984.27 | 6654.75 | 356767.36 |
| 11 | 2025-09 | 7639.01 | 966.24 | 6672.77 | 350094.59 |
| 12 | 2025-10 | 7639.01 | 948.17 | 6690.84 | 343403.75 |
| 13 | 2025-11 | 7639.01 | 930.05 | 6708.96 | 336694.78 |
| 14 | 2025-12 | 7639.01 | 911.88 | 6727.13 | 329967.65 |
| 15 | 2026-01 | 7639.01 | 893.66 | 6745.35 | 323222.30 |
| 16 | 2026-02 | 7639.01 | 875.39 | 6763.62 | 316458.68 |
| 17 | 2026-03 | 7639.01 | 857.08 | 6781.94 | 309676.74 |
| 18 | 2026-04 | 7639.01 | 838.71 | 6800.31 | 302876.44 |
| 19 | 2026-05 | 7639.01 | 820.29 | 6818.72 | 296057.72 |
| 20 | 2026-06 | 7639.01 | 801.82 | 6837.19 | 289220.53 |
| 21 | 2026-07 | 7639.01 | 783.31 | 6855.71 | 282364.82 |
| 22 | 2026-08 | 7639.01 | 764.74 | 6874.28 | 275490.54 |
| 23 | 2026-09 | 7639.01 | 746.12 | 6892.89 | 268597.65 |
| 24 | 2026-10 | 7639.01 | 727.45 | 6911.56 | 261686.09 |
| 25 | 2026-11 | 7639.01 | 708.73 | 6930.28 | 254755.81 |
| 26 | 2026-12 | 7639.01 | 689.96 | 6949.05 | 247806.76 |
| 27 | 2027-01 | 7639.01 | 671.14 | 6967.87 | 240838.89 |
| 28 | 2027-02 | 7639.01 | 652.27 | 6986.74 | 233852.15 |
| 29 | 2027-03 | 7639.01 | 633.35 | 7005.66 | 226846.48 |
| 30 | 2027-04 | 7639.01 | 614.38 | 7024.64 | 219821.84 |
| 31 | 2027-05 | 7639.01 | 595.35 | 7043.66 | 212778.18 |
| 32 | 2027-06 | 7639.01 | 576.27 | 7062.74 | 205715.44 |
| 33 | 2027-07 | 7639.01 | 557.15 | 7081.87 | 198633.58 |
| 34 | 2027-08 | 7639.01 | 537.97 | 7101.05 | 191532.53 |
| 35 | 2027-09 | 7639.01 | 518.73 | 7120.28 | 184412.25 |
| 36 | 2027-10 | 7639.01 | 499.45 | 7139.56 | 177272.69 |
| 37 | 2027-11 | 7639.01 | 480.11 | 7158.90 | 170113.79 |
| 38 | 2027-12 | 7639.01 | 460.72 | 7178.29 | 162935.50 |
| 39 | 2028-01 | 7639.01 | 441.28 | 7197.73 | 155737.77 |
| 40 | 2028-02 | 7639.01 | 421.79 | 7217.22 | 148520.54 |
| 41 | 2028-03 | 7639.01 | 402.24 | 7236.77 | 141283.77 |
| 42 | 2028-04 | 7639.01 | 382.64 | 7256.37 | 134027.40 |
| 43 | 2028-05 | 7639.01 | 362.99 | 7276.02 | 126751.38 |
| 44 | 2028-06 | 7639.01 | 343.28 | 7295.73 | 119455.65 |
| 45 | 2028-07 | 7639.01 | 323.53 | 7315.49 | 112140.16 |
| 46 | 2028-08 | 7639.01 | 303.71 | 7335.30 | 104804.86 |
| 47 | 2028-09 | 7639.01 | 283.85 | 7355.17 | 97449.70 |
| 48 | 2028-10 | 7639.01 | 263.93 | 7375.09 | 90074.61 |
| 49 | 2028-11 | 7639.01 | 243.95 | 7395.06 | 82679.55 |
| 50 | 2028-12 | 7639.01 | 223.92 | 7415.09 | 75264.46 |
| 51 | 2029-01 | 7639.01 | 203.84 | 7435.17 | 67829.29 |
| 52 | 2029-02 | 7639.01 | 183.70 | 7455.31 | 60373.98 |
| 53 | 2029-03 | 7639.01 | 163.51 | 7475.50 | 52898.48 |
| 54 | 2029-04 | 7639.01 | 143.27 | 7495.75 | 45402.73 |
| 55 | 2029-05 | 7639.01 | 122.97 | 7516.05 | 37886.68 |
| 56 | 2029-06 | 7639.01 | 102.61 | 7536.40 | 30350.28 |
| 57 | 2029-07 | 7639.01 | 82.20 | 7556.81 | 22793.46 |
| 58 | 2029-08 | 7639.01 | 61.73 | 7577.28 | 15216.18 |
| 59 | 2029-09 | 7639.01 | 41.21 | 7597.80 | 7618.38 |
| 60 | 2029-10 | 7639.01 | 20.63 | 7618.38 | 0.00 |
等额本金还款方式：
贷款总额：42.25万
还款月数：5年
首月还款：8186.17元
每月递减：19.07元
利息总额：3.49万
本息合计：45.74万
节省利息：927.82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 | 8186.17 | 1144.30 | 7041.86 | 415469.89 |
| 2 | 2024-12 | 8167.09 | 1125.23 | 7041.86 | 408428.03 |
| 3 | 2025-01 | 8148.02 | 1106.16 | 7041.86 | 401386.16 |
| 4 | 2025-02 | 8128.95 | 1087.09 | 7041.86 | 394344.30 |
| 5 | 2025-03 | 8109.88 | 1068.02 | 7041.86 | 387302.44 |
| 6 | 2025-04 | 8090.81 | 1048.94 | 7041.86 | 380260.58 |
| 7 | 2025-05 | 8071.73 | 1029.87 | 7041.86 | 373218.71 |
| 8 | 2025-06 | 8052.66 | 1010.80 | 7041.86 | 366176.85 |
| 9 | 2025-07 | 8033.59 | 991.73 | 7041.86 | 359134.99 |
| 10 | 2025-08 | 8014.52 | 972.66 | 7041.86 | 352093.13 |
| 11 | 2025-09 | 7995.45 | 953.59 | 7041.86 | 345051.26 |
| 12 | 2025-10 | 7976.38 | 934.51 | 7041.86 | 338009.40 |
| 13 | 2025-11 | 7957.30 | 915.44 | 7041.86 | 330967.54 |
| 14 | 2025-12 | 7938.23 | 896.37 | 7041.86 | 323925.67 |
| 15 | 2026-01 | 7919.16 | 877.30 | 7041.86 | 316883.81 |
| 16 | 2026-02 | 7900.09 | 858.23 | 7041.86 | 309841.95 |
| 17 | 2026-03 | 7881.02 | 839.16 | 7041.86 | 302800.09 |
| 18 | 2026-04 | 7861.95 | 820.08 | 7041.86 | 295758.22 |
| 19 | 2026-05 | 7842.87 | 801.01 | 7041.86 | 288716.36 |
| 20 | 2026-06 | 7823.80 | 781.94 | 7041.86 | 281674.50 |
| 21 | 2026-07 | 7804.73 | 762.87 | 7041.86 | 274632.64 |
| 22 | 2026-08 | 7785.66 | 743.80 | 7041.86 | 267590.78 |
| 23 | 2026-09 | 7766.59 | 724.73 | 7041.86 | 260548.91 |
| 24 | 2026-10 | 7747.52 | 705.65 | 7041.86 | 253507.05 |
| 25 | 2026-11 | 7728.44 | 686.58 | 7041.86 | 246465.19 |
| 26 | 2026-12 | 7709.37 | 667.51 | 7041.86 | 239423.32 |
| 27 | 2027-01 | 7690.30 | 648.44 | 7041.86 | 232381.46 |
| 28 | 2027-02 | 7671.23 | 629.37 | 7041.86 | 225339.60 |
| 29 | 2027-03 | 7652.16 | 610.29 | 7041.86 | 218297.74 |
| 30 | 2027-04 | 7633.09 | 591.22 | 7041.86 | 211255.88 |
| 31 | 2027-05 | 7614.01 | 572.15 | 7041.86 | 204214.01 |
| 32 | 2027-06 | 7594.94 | 553.08 | 7041.86 | 197172.15 |
| 33 | 2027-07 | 7575.87 | 534.01 | 7041.86 | 190130.29 |
| 34 | 2027-08 | 7556.80 | 514.94 | 7041.86 | 183088.42 |
| 35 | 2027-09 | 7537.73 | 495.86 | 7041.86 | 176046.56 |
| 36 | 2027-10 | 7518.66 | 476.79 | 7041.86 | 169004.70 |
| 37 | 2027-11 | 7499.58 | 457.72 | 7041.86 | 161962.84 |
| 38 | 2027-12 | 7480.51 | 438.65 | 7041.86 | 154920.97 |
| 39 | 2028-01 | 7461.44 | 419.58 | 7041.86 | 147879.11 |
| 40 | 2028-02 | 7442.37 | 400.51 | 7041.86 | 140837.25 |
| 41 | 2028-03 | 7423.30 | 381.43 | 7041.86 | 133795.39 |
| 42 | 2028-04 | 7404.23 | 362.36 | 7041.86 | 126753.52 |
| 43 | 2028-05 | 7385.15 | 343.29 | 7041.86 | 119711.66 |
| 44 | 2028-06 | 7366.08 | 324.22 | 7041.86 | 112669.80 |
| 45 | 2028-07 | 7347.01 | 305.15 | 7041.86 | 105627.94 |
| 46 | 2028-08 | 7327.94 | 286.08 | 7041.86 | 98586.08 |
| 47 | 2028-09 | 7308.87 | 267.00 | 7041.86 | 91544.21 |
| 48 | 2028-10 | 7289.79 | 247.93 | 7041.86 | 84502.35 |
| 49 | 2028-11 | 7270.72 | 228.86 | 7041.86 | 77460.49 |
| 50 | 2028-12 | 7251.65 | 209.79 | 7041.86 | 70418.63 |
| 51 | 2029-01 | 7232.58 | 190.72 | 7041.86 | 63376.76 |
| 52 | 2029-02 | 7213.51 | 171.65 | 7041.86 | 56334.90 |
| 53 | 2029-03 | 7194.44 | 152.57 | 7041.86 | 49293.04 |
| 54 | 2029-04 | 7175.36 | 133.50 | 7041.86 | 42251.17 |
| 55 | 2029-05 | 7156.29 | 114.43 | 7041.86 | 35209.31 |
| 56 | 2029-06 | 7137.22 | 95.36 | 7041.86 | 28167.45 |
| 57 | 2029-07 | 7118.15 | 76.29 | 7041.86 | 21125.59 |
| 58 | 2029-08 | 7099.08 | 57.22 | 7041.86 | 14083.72 |
| 59 | 2029-09 | 7080.01 | 38.14 | 7041.86 | 7041.86 |
| 60 | 2029-10 | 7060.93 | 19.07 | 7041.86 | 0.00 |