郑州贷款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：25万
还款月数：5年
每月还款：4420.32元
利息总额：1.52万
本息合计：26.52万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 4420.32 | 489.58 | 3930.74 | 246069.26 |
| 2 | 2025-02 | 4420.32 | 481.89 | 3938.44 | 242130.82 |
| 3 | 2025-03 | 4420.32 | 474.17 | 3946.15 | 238184.67 |
| 4 | 2025-04 | 4420.32 | 466.44 | 3953.88 | 234230.79 |
| 5 | 2025-05 | 4420.32 | 458.70 | 3961.62 | 230269.16 |
| 6 | 2025-06 | 4420.32 | 450.94 | 3969.38 | 226299.78 |
| 7 | 2025-07 | 4420.32 | 443.17 | 3977.15 | 222322.63 |
| 8 | 2025-08 | 4420.32 | 435.38 | 3984.94 | 218337.69 |
| 9 | 2025-09 | 4420.32 | 427.58 | 3992.75 | 214344.94 |
| 10 | 2025-10 | 4420.32 | 419.76 | 4000.57 | 210344.37 |
| 11 | 2025-11 | 4420.32 | 411.92 | 4008.40 | 206335.97 |
| 12 | 2025-12 | 4420.32 | 404.07 | 4016.25 | 202319.72 |
| 13 | 2026-01 | 4420.32 | 396.21 | 4024.12 | 198295.61 |
| 14 | 2026-02 | 4420.32 | 388.33 | 4032.00 | 194263.61 |
| 15 | 2026-03 | 4420.32 | 380.43 | 4039.89 | 190223.72 |
| 16 | 2026-04 | 4420.32 | 372.52 | 4047.80 | 186175.91 |
| 17 | 2026-05 | 4420.32 | 364.59 | 4055.73 | 182120.18 |
| 18 | 2026-06 | 4420.32 | 356.65 | 4063.67 | 178056.51 |
| 19 | 2026-07 | 4420.32 | 348.69 | 4071.63 | 173984.88 |
| 20 | 2026-08 | 4420.32 | 340.72 | 4079.60 | 169905.28 |
| 21 | 2026-09 | 4420.32 | 332.73 | 4087.59 | 165817.68 |
| 22 | 2026-10 | 4420.32 | 324.73 | 4095.60 | 161722.08 |
| 23 | 2026-11 | 4420.32 | 316.71 | 4103.62 | 157618.46 |
| 24 | 2026-12 | 4420.32 | 308.67 | 4111.66 | 153506.81 |
| 25 | 2027-01 | 4420.32 | 300.62 | 4119.71 | 149387.10 |
| 26 | 2027-02 | 4420.32 | 292.55 | 4127.78 | 145259.33 |
| 27 | 2027-03 | 4420.32 | 284.47 | 4135.86 | 141123.47 |
| 28 | 2027-04 | 4420.32 | 276.37 | 4143.96 | 136979.51 |
| 29 | 2027-05 | 4420.32 | 268.25 | 4152.07 | 132827.44 |
| 30 | 2027-06 | 4420.32 | 260.12 | 4160.20 | 128667.23 |
| 31 | 2027-07 | 4420.32 | 251.97 | 4168.35 | 124498.88 |
| 32 | 2027-08 | 4420.32 | 243.81 | 4176.51 | 120322.37 |
| 33 | 2027-09 | 4420.32 | 235.63 | 4184.69 | 116137.67 |
| 34 | 2027-10 | 4420.32 | 227.44 | 4192.89 | 111944.78 |
| 35 | 2027-11 | 4420.32 | 219.23 | 4201.10 | 107743.68 |
| 36 | 2027-12 | 4420.32 | 211.00 | 4209.33 | 103534.36 |
| 37 | 2028-01 | 4420.32 | 202.75 | 4217.57 | 99316.79 |
| 38 | 2028-02 | 4420.32 | 194.50 | 4225.83 | 95090.96 |
| 39 | 2028-03 | 4420.32 | 186.22 | 4234.11 | 90856.85 |
| 40 | 2028-04 | 4420.32 | 177.93 | 4242.40 | 86614.45 |
| 41 | 2028-05 | 4420.32 | 169.62 | 4250.70 | 82363.75 |
| 42 | 2028-06 | 4420.32 | 161.30 | 4259.03 | 78104.72 |
| 43 | 2028-07 | 4420.32 | 152.96 | 4267.37 | 73837.35 |
| 44 | 2028-08 | 4420.32 | 144.60 | 4275.73 | 69561.62 |
| 45 | 2028-09 | 4420.32 | 136.22 | 4284.10 | 65277.52 |
| 46 | 2028-10 | 4420.32 | 127.84 | 4292.49 | 60985.03 |
| 47 | 2028-11 | 4420.32 | 119.43 | 4300.90 | 56684.14 |
| 48 | 2028-12 | 4420.32 | 111.01 | 4309.32 | 52374.82 |
| 49 | 2029-01 | 4420.32 | 102.57 | 4317.76 | 48057.06 |
| 50 | 2029-02 | 4420.32 | 94.11 | 4326.21 | 43730.85 |
| 51 | 2029-03 | 4420.32 | 85.64 | 4334.69 | 39396.16 |
| 52 | 2029-04 | 4420.32 | 77.15 | 4343.17 | 35052.99 |
| 53 | 2029-05 | 4420.32 | 68.65 | 4351.68 | 30701.31 |
| 54 | 2029-06 | 4420.32 | 60.12 | 4360.20 | 26341.11 |
| 55 | 2029-07 | 4420.32 | 51.58 | 4368.74 | 21972.37 |
| 56 | 2029-08 | 4420.32 | 43.03 | 4377.30 | 17595.07 |
| 57 | 2029-09 | 4420.32 | 34.46 | 4385.87 | 13209.20 |
| 58 | 2029-10 | 4420.32 | 25.87 | 4394.46 | 8814.75 |
| 59 | 2029-11 | 4420.32 | 17.26 | 4403.06 | 4411.69 |
| 60 | 2029-12 | 4420.32 | 8.64 | 4411.69 | 0.00 |
等额本金还款方式：
贷款总额：25万
还款月数：5年
首月还款：4656.25元
每月递减：8.16元
利息总额：1.49万
本息合计：26.49万
节省利息：287.2元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 4656.25 | 489.58 | 4166.67 | 245833.33 |
| 2 | 2025-02 | 4648.09 | 481.42 | 4166.67 | 241666.67 |
| 3 | 2025-03 | 4639.93 | 473.26 | 4166.67 | 237500.00 |
| 4 | 2025-04 | 4631.77 | 465.10 | 4166.67 | 233333.33 |
| 5 | 2025-05 | 4623.61 | 456.94 | 4166.67 | 229166.67 |
| 6 | 2025-06 | 4615.45 | 448.78 | 4166.67 | 225000.00 |
| 7 | 2025-07 | 4607.29 | 440.62 | 4166.67 | 220833.33 |
| 8 | 2025-08 | 4599.13 | 432.47 | 4166.67 | 216666.67 |
| 9 | 2025-09 | 4590.97 | 424.31 | 4166.67 | 212500.00 |
| 10 | 2025-10 | 4582.81 | 416.15 | 4166.67 | 208333.33 |
| 11 | 2025-11 | 4574.65 | 407.99 | 4166.67 | 204166.67 |
| 12 | 2025-12 | 4566.49 | 399.83 | 4166.67 | 200000.00 |
| 13 | 2026-01 | 4558.33 | 391.67 | 4166.67 | 195833.33 |
| 14 | 2026-02 | 4550.17 | 383.51 | 4166.67 | 191666.67 |
| 15 | 2026-03 | 4542.01 | 375.35 | 4166.67 | 187500.00 |
| 16 | 2026-04 | 4533.85 | 367.19 | 4166.67 | 183333.33 |
| 17 | 2026-05 | 4525.69 | 359.03 | 4166.67 | 179166.67 |
| 18 | 2026-06 | 4517.53 | 350.87 | 4166.67 | 175000.00 |
| 19 | 2026-07 | 4509.38 | 342.71 | 4166.67 | 170833.33 |
| 20 | 2026-08 | 4501.22 | 334.55 | 4166.67 | 166666.67 |
| 21 | 2026-09 | 4493.06 | 326.39 | 4166.67 | 162500.00 |
| 22 | 2026-10 | 4484.90 | 318.23 | 4166.67 | 158333.33 |
| 23 | 2026-11 | 4476.74 | 310.07 | 4166.67 | 154166.67 |
| 24 | 2026-12 | 4468.58 | 301.91 | 4166.67 | 150000.00 |
| 25 | 2027-01 | 4460.42 | 293.75 | 4166.67 | 145833.33 |
| 26 | 2027-02 | 4452.26 | 285.59 | 4166.67 | 141666.67 |
| 27 | 2027-03 | 4444.10 | 277.43 | 4166.67 | 137500.00 |
| 28 | 2027-04 | 4435.94 | 269.27 | 4166.67 | 133333.33 |
| 29 | 2027-05 | 4427.78 | 261.11 | 4166.67 | 129166.67 |
| 30 | 2027-06 | 4419.62 | 252.95 | 4166.67 | 125000.00 |
| 31 | 2027-07 | 4411.46 | 244.79 | 4166.67 | 120833.33 |
| 32 | 2027-08 | 4403.30 | 236.63 | 4166.67 | 116666.67 |
| 33 | 2027-09 | 4395.14 | 228.47 | 4166.67 | 112500.00 |
| 34 | 2027-10 | 4386.98 | 220.31 | 4166.67 | 108333.33 |
| 35 | 2027-11 | 4378.82 | 212.15 | 4166.67 | 104166.67 |
| 36 | 2027-12 | 4370.66 | 203.99 | 4166.67 | 100000.00 |
| 37 | 2028-01 | 4362.50 | 195.83 | 4166.67 | 95833.33 |
| 38 | 2028-02 | 4354.34 | 187.67 | 4166.67 | 91666.67 |
| 39 | 2028-03 | 4346.18 | 179.51 | 4166.67 | 87500.00 |
| 40 | 2028-04 | 4338.02 | 171.35 | 4166.67 | 83333.33 |
| 41 | 2028-05 | 4329.86 | 163.19 | 4166.67 | 79166.67 |
| 42 | 2028-06 | 4321.70 | 155.03 | 4166.67 | 75000.00 |
| 43 | 2028-07 | 4313.54 | 146.88 | 4166.67 | 70833.33 |
| 44 | 2028-08 | 4305.38 | 138.72 | 4166.67 | 66666.67 |
| 45 | 2028-09 | 4297.22 | 130.56 | 4166.67 | 62500.00 |
| 46 | 2028-10 | 4289.06 | 122.40 | 4166.67 | 58333.33 |
| 47 | 2028-11 | 4280.90 | 114.24 | 4166.67 | 54166.67 |
| 48 | 2028-12 | 4272.74 | 106.08 | 4166.67 | 50000.00 |
| 49 | 2029-01 | 4264.58 | 97.92 | 4166.67 | 45833.33 |
| 50 | 2029-02 | 4256.42 | 89.76 | 4166.67 | 41666.67 |
| 51 | 2029-03 | 4248.26 | 81.60 | 4166.67 | 37500.00 |
| 52 | 2029-04 | 4240.10 | 73.44 | 4166.67 | 33333.33 |
| 53 | 2029-05 | 4231.94 | 65.28 | 4166.67 | 29166.67 |
| 54 | 2029-06 | 4223.78 | 57.12 | 4166.67 | 25000.00 |
| 55 | 2029-07 | 4215.63 | 48.96 | 4166.67 | 20833.33 |
| 56 | 2029-08 | 4207.47 | 40.80 | 4166.67 | 16666.67 |
| 57 | 2029-09 | 4199.31 | 32.64 | 4166.67 | 12500.00 |
| 58 | 2029-10 | 4191.15 | 24.48 | 4166.67 | 8333.33 |
| 59 | 2029-11 | 4182.99 | 16.32 | 4166.67 | 4166.67 |
| 60 | 2029-12 | 4174.83 | 8.16 | 4166.67 | 0.00 |