北京贷款100万（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：100万
还款月数：5年
每月还款：17681.3元
利息总额：6.09万
本息合计：106.09万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 17681.30 | 1958.33 | 15722.97 | 984277.03 |
| 2 | 2025-03 | 17681.30 | 1927.54 | 15753.76 | 968523.28 |
| 3 | 2025-04 | 17681.30 | 1896.69 | 15784.61 | 952738.67 |
| 4 | 2025-05 | 17681.30 | 1865.78 | 15815.52 | 936923.15 |
| 5 | 2025-06 | 17681.30 | 1834.81 | 15846.49 | 921076.66 |
| 6 | 2025-07 | 17681.30 | 1803.78 | 15877.52 | 905199.13 |
| 7 | 2025-08 | 17681.30 | 1772.68 | 15908.62 | 889290.51 |
| 8 | 2025-09 | 17681.30 | 1741.53 | 15939.77 | 873350.74 |
| 9 | 2025-10 | 17681.30 | 1710.31 | 15970.99 | 857379.75 |
| 10 | 2025-11 | 17681.30 | 1679.04 | 16002.26 | 841377.49 |
| 11 | 2025-12 | 17681.30 | 1647.70 | 16033.60 | 825343.89 |
| 12 | 2026-01 | 17681.30 | 1616.30 | 16065.00 | 809278.89 |
| 13 | 2026-02 | 17681.30 | 1584.84 | 16096.46 | 793182.42 |
| 14 | 2026-03 | 17681.30 | 1553.32 | 16127.98 | 777054.44 |
| 15 | 2026-04 | 17681.30 | 1521.73 | 16159.57 | 760894.87 |
| 16 | 2026-05 | 17681.30 | 1490.09 | 16191.21 | 744703.66 |
| 17 | 2026-06 | 17681.30 | 1458.38 | 16222.92 | 728480.74 |
| 18 | 2026-07 | 17681.30 | 1426.61 | 16254.69 | 712226.05 |
| 19 | 2026-08 | 17681.30 | 1394.78 | 16286.52 | 695939.52 |
| 20 | 2026-09 | 17681.30 | 1362.88 | 16318.42 | 679621.10 |
| 21 | 2026-10 | 17681.30 | 1330.92 | 16350.37 | 663270.73 |
| 22 | 2026-11 | 17681.30 | 1298.91 | 16382.39 | 646888.33 |
| 23 | 2026-12 | 17681.30 | 1266.82 | 16414.48 | 630473.86 |
| 24 | 2027-01 | 17681.30 | 1234.68 | 16446.62 | 614027.24 |
| 25 | 2027-02 | 17681.30 | 1202.47 | 16478.83 | 597548.41 |
| 26 | 2027-03 | 17681.30 | 1170.20 | 16511.10 | 581037.31 |
| 27 | 2027-04 | 17681.30 | 1137.86 | 16543.43 | 564493.87 |
| 28 | 2027-05 | 17681.30 | 1105.47 | 16575.83 | 547918.04 |
| 29 | 2027-06 | 17681.30 | 1073.01 | 16608.29 | 531309.74 |
| 30 | 2027-07 | 17681.30 | 1040.48 | 16640.82 | 514668.93 |
| 31 | 2027-08 | 17681.30 | 1007.89 | 16673.41 | 497995.52 |
| 32 | 2027-09 | 17681.30 | 975.24 | 16706.06 | 481289.46 |
| 33 | 2027-10 | 17681.30 | 942.53 | 16738.77 | 464550.69 |
| 34 | 2027-11 | 17681.30 | 909.75 | 16771.55 | 447779.13 |
| 35 | 2027-12 | 17681.30 | 876.90 | 16804.40 | 430974.73 |
| 36 | 2028-01 | 17681.30 | 843.99 | 16837.31 | 414137.43 |
| 37 | 2028-02 | 17681.30 | 811.02 | 16870.28 | 397267.15 |
| 38 | 2028-03 | 17681.30 | 777.98 | 16903.32 | 380363.83 |
| 39 | 2028-04 | 17681.30 | 744.88 | 16936.42 | 363427.41 |
| 40 | 2028-05 | 17681.30 | 711.71 | 16969.59 | 346457.82 |
| 41 | 2028-06 | 17681.30 | 678.48 | 17002.82 | 329455.00 |
| 42 | 2028-07 | 17681.30 | 645.18 | 17036.12 | 312418.88 |
| 43 | 2028-08 | 17681.30 | 611.82 | 17069.48 | 295349.40 |
| 44 | 2028-09 | 17681.30 | 578.39 | 17102.91 | 278246.50 |
| 45 | 2028-10 | 17681.30 | 544.90 | 17136.40 | 261110.10 |
| 46 | 2028-11 | 17681.30 | 511.34 | 17169.96 | 243940.14 |
| 47 | 2028-12 | 17681.30 | 477.72 | 17203.58 | 226736.55 |
| 48 | 2029-01 | 17681.30 | 444.03 | 17237.27 | 209499.28 |
| 49 | 2029-02 | 17681.30 | 410.27 | 17271.03 | 192228.25 |
| 50 | 2029-03 | 17681.30 | 376.45 | 17304.85 | 174923.40 |
| 51 | 2029-04 | 17681.30 | 342.56 | 17338.74 | 157584.66 |
| 52 | 2029-05 | 17681.30 | 308.60 | 17372.70 | 140211.96 |
| 53 | 2029-06 | 17681.30 | 274.58 | 17406.72 | 122805.24 |
| 54 | 2029-07 | 17681.30 | 240.49 | 17440.81 | 105364.44 |
| 55 | 2029-08 | 17681.30 | 206.34 | 17474.96 | 87889.47 |
| 56 | 2029-09 | 17681.30 | 172.12 | 17509.18 | 70380.29 |
| 57 | 2029-10 | 17681.30 | 137.83 | 17543.47 | 52836.82 |
| 58 | 2029-11 | 17681.30 | 103.47 | 17577.83 | 35258.99 |
| 59 | 2029-12 | 17681.30 | 69.05 | 17612.25 | 17646.74 |
| 60 | 2030-01 | 17681.30 | 34.56 | 17646.74 | 0.00 |
等额本金还款方式：
贷款总额：100万
还款月数：5年
首月还款：18625元
每月递减：32.64元
利息总额：5.97万
本息合计：105.97万
节省利息：1148.81元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 18625.00 | 1958.33 | 16666.67 | 983333.33 |
| 2 | 2025-03 | 18592.36 | 1925.69 | 16666.67 | 966666.67 |
| 3 | 2025-04 | 18559.72 | 1893.06 | 16666.67 | 950000.00 |
| 4 | 2025-05 | 18527.08 | 1860.42 | 16666.67 | 933333.33 |
| 5 | 2025-06 | 18494.44 | 1827.78 | 16666.67 | 916666.67 |
| 6 | 2025-07 | 18461.81 | 1795.14 | 16666.67 | 900000.00 |
| 7 | 2025-08 | 18429.17 | 1762.50 | 16666.67 | 883333.33 |
| 8 | 2025-09 | 18396.53 | 1729.86 | 16666.67 | 866666.67 |
| 9 | 2025-10 | 18363.89 | 1697.22 | 16666.67 | 850000.00 |
| 10 | 2025-11 | 18331.25 | 1664.58 | 16666.67 | 833333.33 |
| 11 | 2025-12 | 18298.61 | 1631.94 | 16666.67 | 816666.67 |
| 12 | 2026-01 | 18265.97 | 1599.31 | 16666.67 | 800000.00 |
| 13 | 2026-02 | 18233.33 | 1566.67 | 16666.67 | 783333.33 |
| 14 | 2026-03 | 18200.69 | 1534.03 | 16666.67 | 766666.67 |
| 15 | 2026-04 | 18168.06 | 1501.39 | 16666.67 | 750000.00 |
| 16 | 2026-05 | 18135.42 | 1468.75 | 16666.67 | 733333.33 |
| 17 | 2026-06 | 18102.78 | 1436.11 | 16666.67 | 716666.67 |
| 18 | 2026-07 | 18070.14 | 1403.47 | 16666.67 | 700000.00 |
| 19 | 2026-08 | 18037.50 | 1370.83 | 16666.67 | 683333.33 |
| 20 | 2026-09 | 18004.86 | 1338.19 | 16666.67 | 666666.67 |
| 21 | 2026-10 | 17972.22 | 1305.56 | 16666.67 | 650000.00 |
| 22 | 2026-11 | 17939.58 | 1272.92 | 16666.67 | 633333.33 |
| 23 | 2026-12 | 17906.94 | 1240.28 | 16666.67 | 616666.67 |
| 24 | 2027-01 | 17874.31 | 1207.64 | 16666.67 | 600000.00 |
| 25 | 2027-02 | 17841.67 | 1175.00 | 16666.67 | 583333.33 |
| 26 | 2027-03 | 17809.03 | 1142.36 | 16666.67 | 566666.67 |
| 27 | 2027-04 | 17776.39 | 1109.72 | 16666.67 | 550000.00 |
| 28 | 2027-05 | 17743.75 | 1077.08 | 16666.67 | 533333.33 |
| 29 | 2027-06 | 17711.11 | 1044.44 | 16666.67 | 516666.67 |
| 30 | 2027-07 | 17678.47 | 1011.81 | 16666.67 | 500000.00 |
| 31 | 2027-08 | 17645.83 | 979.17 | 16666.67 | 483333.33 |
| 32 | 2027-09 | 17613.19 | 946.53 | 16666.67 | 466666.67 |
| 33 | 2027-10 | 17580.56 | 913.89 | 16666.67 | 450000.00 |
| 34 | 2027-11 | 17547.92 | 881.25 | 16666.67 | 433333.33 |
| 35 | 2027-12 | 17515.28 | 848.61 | 16666.67 | 416666.67 |
| 36 | 2028-01 | 17482.64 | 815.97 | 16666.67 | 400000.00 |
| 37 | 2028-02 | 17450.00 | 783.33 | 16666.67 | 383333.33 |
| 38 | 2028-03 | 17417.36 | 750.69 | 16666.67 | 366666.67 |
| 39 | 2028-04 | 17384.72 | 718.06 | 16666.67 | 350000.00 |
| 40 | 2028-05 | 17352.08 | 685.42 | 16666.67 | 333333.33 |
| 41 | 2028-06 | 17319.44 | 652.78 | 16666.67 | 316666.67 |
| 42 | 2028-07 | 17286.81 | 620.14 | 16666.67 | 300000.00 |
| 43 | 2028-08 | 17254.17 | 587.50 | 16666.67 | 283333.33 |
| 44 | 2028-09 | 17221.53 | 554.86 | 16666.67 | 266666.67 |
| 45 | 2028-10 | 17188.89 | 522.22 | 16666.67 | 250000.00 |
| 46 | 2028-11 | 17156.25 | 489.58 | 16666.67 | 233333.33 |
| 47 | 2028-12 | 17123.61 | 456.94 | 16666.67 | 216666.67 |
| 48 | 2029-01 | 17090.97 | 424.31 | 16666.67 | 200000.00 |
| 49 | 2029-02 | 17058.33 | 391.67 | 16666.67 | 183333.33 |
| 50 | 2029-03 | 17025.69 | 359.03 | 16666.67 | 166666.67 |
| 51 | 2029-04 | 16993.06 | 326.39 | 16666.67 | 150000.00 |
| 52 | 2029-05 | 16960.42 | 293.75 | 16666.67 | 133333.33 |
| 53 | 2029-06 | 16927.78 | 261.11 | 16666.67 | 116666.67 |
| 54 | 2029-07 | 16895.14 | 228.47 | 16666.67 | 100000.00 |
| 55 | 2029-08 | 16862.50 | 195.83 | 16666.67 | 83333.33 |
| 56 | 2029-09 | 16829.86 | 163.19 | 16666.67 | 66666.67 |
| 57 | 2029-10 | 16797.22 | 130.56 | 16666.67 | 50000.00 |
| 58 | 2029-11 | 16764.58 | 97.92 | 16666.67 | 33333.33 |
| 59 | 2029-12 | 16731.94 | 65.28 | 16666.67 | 16666.67 |
| 60 | 2030-01 | 16699.31 | 32.64 | 16666.67 | 0.00 |