贷款7万（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：7万
还款月数：5年
每月还款：1237.69元
利息总额：4261.46元
本息合计：7.43万
| 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 | 1237.69 | 137.08 | 1100.61 | 68899.39 |
| 2 | 2024-12 | 1237.69 | 134.93 | 1102.76 | 67796.63 |
| 3 | 2025-01 | 1237.69 | 132.77 | 1104.92 | 66691.71 |
| 4 | 2025-02 | 1237.69 | 130.60 | 1107.09 | 65584.62 |
| 5 | 2025-03 | 1237.69 | 128.44 | 1109.25 | 64475.37 |
| 6 | 2025-04 | 1237.69 | 126.26 | 1111.43 | 63363.94 |
| 7 | 2025-05 | 1237.69 | 124.09 | 1113.60 | 62250.34 |
| 8 | 2025-06 | 1237.69 | 121.91 | 1115.78 | 61134.55 |
| 9 | 2025-07 | 1237.69 | 119.72 | 1117.97 | 60016.58 |
| 10 | 2025-08 | 1237.69 | 117.53 | 1120.16 | 58896.42 |
| 11 | 2025-09 | 1237.69 | 115.34 | 1122.35 | 57774.07 |
| 12 | 2025-10 | 1237.69 | 113.14 | 1124.55 | 56649.52 |
| 13 | 2025-11 | 1237.69 | 110.94 | 1126.75 | 55522.77 |
| 14 | 2025-12 | 1237.69 | 108.73 | 1128.96 | 54393.81 |
| 15 | 2026-01 | 1237.69 | 106.52 | 1131.17 | 53262.64 |
| 16 | 2026-02 | 1237.69 | 104.31 | 1133.38 | 52129.26 |
| 17 | 2026-03 | 1237.69 | 102.09 | 1135.60 | 50993.65 |
| 18 | 2026-04 | 1237.69 | 99.86 | 1137.83 | 49855.82 |
| 19 | 2026-05 | 1237.69 | 97.63 | 1140.06 | 48715.77 |
| 20 | 2026-06 | 1237.69 | 95.40 | 1142.29 | 47573.48 |
| 21 | 2026-07 | 1237.69 | 93.16 | 1144.53 | 46428.95 |
| 22 | 2026-08 | 1237.69 | 90.92 | 1146.77 | 45282.18 |
| 23 | 2026-09 | 1237.69 | 88.68 | 1149.01 | 44133.17 |
| 24 | 2026-10 | 1237.69 | 86.43 | 1151.26 | 42981.91 |
| 25 | 2026-11 | 1237.69 | 84.17 | 1153.52 | 41828.39 |
| 26 | 2026-12 | 1237.69 | 81.91 | 1155.78 | 40672.61 |
| 27 | 2027-01 | 1237.69 | 79.65 | 1158.04 | 39514.57 |
| 28 | 2027-02 | 1237.69 | 77.38 | 1160.31 | 38354.26 |
| 29 | 2027-03 | 1237.69 | 75.11 | 1162.58 | 37191.68 |
| 30 | 2027-04 | 1237.69 | 72.83 | 1164.86 | 36026.82 |
| 31 | 2027-05 | 1237.69 | 70.55 | 1167.14 | 34859.69 |
| 32 | 2027-06 | 1237.69 | 68.27 | 1169.42 | 33690.26 |
| 33 | 2027-07 | 1237.69 | 65.98 | 1171.71 | 32518.55 |
| 34 | 2027-08 | 1237.69 | 63.68 | 1174.01 | 31344.54 |
| 35 | 2027-09 | 1237.69 | 61.38 | 1176.31 | 30168.23 |
| 36 | 2027-10 | 1237.69 | 59.08 | 1178.61 | 28989.62 |
| 37 | 2027-11 | 1237.69 | 56.77 | 1180.92 | 27808.70 |
| 38 | 2027-12 | 1237.69 | 54.46 | 1183.23 | 26625.47 |
| 39 | 2028-01 | 1237.69 | 52.14 | 1185.55 | 25439.92 |
| 40 | 2028-02 | 1237.69 | 49.82 | 1187.87 | 24252.05 |
| 41 | 2028-03 | 1237.69 | 47.49 | 1190.20 | 23061.85 |
| 42 | 2028-04 | 1237.69 | 45.16 | 1192.53 | 21869.32 |
| 43 | 2028-05 | 1237.69 | 42.83 | 1194.86 | 20674.46 |
| 44 | 2028-06 | 1237.69 | 40.49 | 1197.20 | 19477.25 |
| 45 | 2028-07 | 1237.69 | 38.14 | 1199.55 | 18277.71 |
| 46 | 2028-08 | 1237.69 | 35.79 | 1201.90 | 17075.81 |
| 47 | 2028-09 | 1237.69 | 33.44 | 1204.25 | 15871.56 |
| 48 | 2028-10 | 1237.69 | 31.08 | 1206.61 | 14664.95 |
| 49 | 2028-11 | 1237.69 | 28.72 | 1208.97 | 13455.98 |
| 50 | 2028-12 | 1237.69 | 26.35 | 1211.34 | 12244.64 |
| 51 | 2029-01 | 1237.69 | 23.98 | 1213.71 | 11030.93 |
| 52 | 2029-02 | 1237.69 | 21.60 | 1216.09 | 9814.84 |
| 53 | 2029-03 | 1237.69 | 19.22 | 1218.47 | 8596.37 |
| 54 | 2029-04 | 1237.69 | 16.83 | 1220.86 | 7375.51 |
| 55 | 2029-05 | 1237.69 | 14.44 | 1223.25 | 6152.26 |
| 56 | 2029-06 | 1237.69 | 12.05 | 1225.64 | 4926.62 |
| 57 | 2029-07 | 1237.69 | 9.65 | 1228.04 | 3698.58 |
| 58 | 2029-08 | 1237.69 | 7.24 | 1230.45 | 2468.13 |
| 59 | 2029-09 | 1237.69 | 4.83 | 1232.86 | 1235.27 |
| 60 | 2029-10 | 1237.69 | 2.42 | 1235.27 | 0.00 |
等额本金还款方式：
贷款总额：7万
还款月数：5年
首月还款：1303.75元
每月递减：2.28元
利息总额：4181.04元
本息合计：7.42万
节省利息：80.42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 | 1303.75 | 137.08 | 1166.67 | 68833.33 |
| 2 | 2024-12 | 1301.47 | 134.80 | 1166.67 | 67666.67 |
| 3 | 2025-01 | 1299.18 | 132.51 | 1166.67 | 66500.00 |
| 4 | 2025-02 | 1296.90 | 130.23 | 1166.67 | 65333.33 |
| 5 | 2025-03 | 1294.61 | 127.94 | 1166.67 | 64166.67 |
| 6 | 2025-04 | 1292.33 | 125.66 | 1166.67 | 63000.00 |
| 7 | 2025-05 | 1290.04 | 123.37 | 1166.67 | 61833.33 |
| 8 | 2025-06 | 1287.76 | 121.09 | 1166.67 | 60666.67 |
| 9 | 2025-07 | 1285.47 | 118.81 | 1166.67 | 59500.00 |
| 10 | 2025-08 | 1283.19 | 116.52 | 1166.67 | 58333.33 |
| 11 | 2025-09 | 1280.90 | 114.24 | 1166.67 | 57166.67 |
| 12 | 2025-10 | 1278.62 | 111.95 | 1166.67 | 56000.00 |
| 13 | 2025-11 | 1276.33 | 109.67 | 1166.67 | 54833.33 |
| 14 | 2025-12 | 1274.05 | 107.38 | 1166.67 | 53666.67 |
| 15 | 2026-01 | 1271.76 | 105.10 | 1166.67 | 52500.00 |
| 16 | 2026-02 | 1269.48 | 102.81 | 1166.67 | 51333.33 |
| 17 | 2026-03 | 1267.19 | 100.53 | 1166.67 | 50166.67 |
| 18 | 2026-04 | 1264.91 | 98.24 | 1166.67 | 49000.00 |
| 19 | 2026-05 | 1262.63 | 95.96 | 1166.67 | 47833.33 |
| 20 | 2026-06 | 1260.34 | 93.67 | 1166.67 | 46666.67 |
| 21 | 2026-07 | 1258.06 | 91.39 | 1166.67 | 45500.00 |
| 22 | 2026-08 | 1255.77 | 89.10 | 1166.67 | 44333.33 |
| 23 | 2026-09 | 1253.49 | 86.82 | 1166.67 | 43166.67 |
| 24 | 2026-10 | 1251.20 | 84.53 | 1166.67 | 42000.00 |
| 25 | 2026-11 | 1248.92 | 82.25 | 1166.67 | 40833.33 |
| 26 | 2026-12 | 1246.63 | 79.97 | 1166.67 | 39666.67 |
| 27 | 2027-01 | 1244.35 | 77.68 | 1166.67 | 38500.00 |
| 28 | 2027-02 | 1242.06 | 75.40 | 1166.67 | 37333.33 |
| 29 | 2027-03 | 1239.78 | 73.11 | 1166.67 | 36166.67 |
| 30 | 2027-04 | 1237.49 | 70.83 | 1166.67 | 35000.00 |
| 31 | 2027-05 | 1235.21 | 68.54 | 1166.67 | 33833.33 |
| 32 | 2027-06 | 1232.92 | 66.26 | 1166.67 | 32666.67 |
| 33 | 2027-07 | 1230.64 | 63.97 | 1166.67 | 31500.00 |
| 34 | 2027-08 | 1228.35 | 61.69 | 1166.67 | 30333.33 |
| 35 | 2027-09 | 1226.07 | 59.40 | 1166.67 | 29166.67 |
| 36 | 2027-10 | 1223.78 | 57.12 | 1166.67 | 28000.00 |
| 37 | 2027-11 | 1221.50 | 54.83 | 1166.67 | 26833.33 |
| 38 | 2027-12 | 1219.22 | 52.55 | 1166.67 | 25666.67 |
| 39 | 2028-01 | 1216.93 | 50.26 | 1166.67 | 24500.00 |
| 40 | 2028-02 | 1214.65 | 47.98 | 1166.67 | 23333.33 |
| 41 | 2028-03 | 1212.36 | 45.69 | 1166.67 | 22166.67 |
| 42 | 2028-04 | 1210.08 | 43.41 | 1166.67 | 21000.00 |
| 43 | 2028-05 | 1207.79 | 41.13 | 1166.67 | 19833.33 |
| 44 | 2028-06 | 1205.51 | 38.84 | 1166.67 | 18666.67 |
| 45 | 2028-07 | 1203.22 | 36.56 | 1166.67 | 17500.00 |
| 46 | 2028-08 | 1200.94 | 34.27 | 1166.67 | 16333.33 |
| 47 | 2028-09 | 1198.65 | 31.99 | 1166.67 | 15166.67 |
| 48 | 2028-10 | 1196.37 | 29.70 | 1166.67 | 14000.00 |
| 49 | 2028-11 | 1194.08 | 27.42 | 1166.67 | 12833.33 |
| 50 | 2028-12 | 1191.80 | 25.13 | 1166.67 | 11666.67 |
| 51 | 2029-01 | 1189.51 | 22.85 | 1166.67 | 10500.00 |
| 52 | 2029-02 | 1187.23 | 20.56 | 1166.67 | 9333.33 |
| 53 | 2029-03 | 1184.94 | 18.28 | 1166.67 | 8166.67 |
| 54 | 2029-04 | 1182.66 | 15.99 | 1166.67 | 7000.00 |
| 55 | 2029-05 | 1180.38 | 13.71 | 1166.67 | 5833.33 |
| 56 | 2029-06 | 1178.09 | 11.42 | 1166.67 | 4666.67 |
| 57 | 2029-07 | 1175.81 | 9.14 | 1166.67 | 3500.00 |
| 58 | 2029-08 | 1173.52 | 6.85 | 1166.67 | 2333.33 |
| 59 | 2029-09 | 1171.24 | 4.57 | 1166.67 | 1166.67 |
| 60 | 2029-10 | 1168.95 | 2.28 | 1166.67 | 0.00 |