贷款15万（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：15万
还款月数：5年
每月还款：2678.67元
利息总额：1.07万
本息合计：16.07万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 2678.67 | 343.75 | 2334.92 | 147665.08 |
| 2 | 2024-04 | 2678.67 | 338.40 | 2340.27 | 145324.81 |
| 3 | 2024-05 | 2678.67 | 333.04 | 2345.64 | 142979.17 |
| 4 | 2024-06 | 2678.67 | 327.66 | 2351.01 | 140628.16 |
| 5 | 2024-07 | 2678.67 | 322.27 | 2356.40 | 138271.76 |
| 6 | 2024-08 | 2678.67 | 316.87 | 2361.80 | 135909.96 |
| 7 | 2024-09 | 2678.67 | 311.46 | 2367.21 | 133542.75 |
| 8 | 2024-10 | 2678.67 | 306.04 | 2372.64 | 131170.11 |
| 9 | 2024-11 | 2678.67 | 300.60 | 2378.07 | 128792.04 |
| 10 | 2024-12 | 2678.67 | 295.15 | 2383.52 | 126408.52 |
| 11 | 2025-01 | 2678.67 | 289.69 | 2388.99 | 124019.53 |
| 12 | 2025-02 | 2678.67 | 284.21 | 2394.46 | 121625.07 |
| 13 | 2025-03 | 2678.67 | 278.72 | 2399.95 | 119225.13 |
| 14 | 2025-04 | 2678.67 | 273.22 | 2405.45 | 116819.68 |
| 15 | 2025-05 | 2678.67 | 267.71 | 2410.96 | 114408.72 |
| 16 | 2025-06 | 2678.67 | 262.19 | 2416.48 | 111992.23 |
| 17 | 2025-07 | 2678.67 | 256.65 | 2422.02 | 109570.21 |
| 18 | 2025-08 | 2678.67 | 251.10 | 2427.57 | 107142.64 |
| 19 | 2025-09 | 2678.67 | 245.54 | 2433.14 | 104709.50 |
| 20 | 2025-10 | 2678.67 | 239.96 | 2438.71 | 102270.79 |
| 21 | 2025-11 | 2678.67 | 234.37 | 2444.30 | 99826.49 |
| 22 | 2025-12 | 2678.67 | 228.77 | 2449.90 | 97376.59 |
| 23 | 2026-01 | 2678.67 | 223.15 | 2455.52 | 94921.07 |
| 24 | 2026-02 | 2678.67 | 217.53 | 2461.14 | 92459.92 |
| 25 | 2026-03 | 2678.67 | 211.89 | 2466.78 | 89993.14 |
| 26 | 2026-04 | 2678.67 | 206.23 | 2472.44 | 87520.70 |
| 27 | 2026-05 | 2678.67 | 200.57 | 2478.10 | 85042.60 |
| 28 | 2026-06 | 2678.67 | 194.89 | 2483.78 | 82558.82 |
| 29 | 2026-07 | 2678.67 | 189.20 | 2489.47 | 80069.34 |
| 30 | 2026-08 | 2678.67 | 183.49 | 2495.18 | 77574.16 |
| 31 | 2026-09 | 2678.67 | 177.77 | 2500.90 | 75073.27 |
| 32 | 2026-10 | 2678.67 | 172.04 | 2506.63 | 72566.64 |
| 33 | 2026-11 | 2678.67 | 166.30 | 2512.37 | 70054.26 |
| 34 | 2026-12 | 2678.67 | 160.54 | 2518.13 | 67536.13 |
| 35 | 2027-01 | 2678.67 | 154.77 | 2523.90 | 65012.23 |
| 36 | 2027-02 | 2678.67 | 148.99 | 2529.69 | 62482.55 |
| 37 | 2027-03 | 2678.67 | 143.19 | 2535.48 | 59947.07 |
| 38 | 2027-04 | 2678.67 | 137.38 | 2541.29 | 57405.77 |
| 39 | 2027-05 | 2678.67 | 131.55 | 2547.12 | 54858.66 |
| 40 | 2027-06 | 2678.67 | 125.72 | 2552.95 | 52305.70 |
| 41 | 2027-07 | 2678.67 | 119.87 | 2558.80 | 49746.90 |
| 42 | 2027-08 | 2678.67 | 114.00 | 2564.67 | 47182.23 |
| 43 | 2027-09 | 2678.67 | 108.13 | 2570.55 | 44611.68 |
| 44 | 2027-10 | 2678.67 | 102.24 | 2576.44 | 42035.25 |
| 45 | 2027-11 | 2678.67 | 96.33 | 2582.34 | 39452.91 |
| 46 | 2027-12 | 2678.67 | 90.41 | 2588.26 | 36864.65 |
| 47 | 2028-01 | 2678.67 | 84.48 | 2594.19 | 34270.46 |
| 48 | 2028-02 | 2678.67 | 78.54 | 2600.14 | 31670.32 |
| 49 | 2028-03 | 2678.67 | 72.58 | 2606.09 | 29064.23 |
| 50 | 2028-04 | 2678.67 | 66.61 | 2612.07 | 26452.16 |
| 51 | 2028-05 | 2678.67 | 60.62 | 2618.05 | 23834.11 |
| 52 | 2028-06 | 2678.67 | 54.62 | 2624.05 | 21210.06 |
| 53 | 2028-07 | 2678.67 | 48.61 | 2630.07 | 18579.99 |
| 54 | 2028-08 | 2678.67 | 42.58 | 2636.09 | 15943.90 |
| 55 | 2028-09 | 2678.67 | 36.54 | 2642.13 | 13301.77 |
| 56 | 2028-10 | 2678.67 | 30.48 | 2648.19 | 10653.58 |
| 57 | 2028-11 | 2678.67 | 24.41 | 2654.26 | 7999.32 |
| 58 | 2028-12 | 2678.67 | 18.33 | 2660.34 | 5338.98 |
| 59 | 2029-01 | 2678.67 | 12.24 | 2666.44 | 2672.55 |
| 60 | 2029-02 | 2678.67 | 6.12 | 2672.55 | 0.00 |
等额本金还款方式：
贷款总额：15万
还款月数：5年
首月还款：2843.75元
每月递减：5.73元
利息总额：1.05万
本息合计：16.05万
节省利息：235.92元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 2843.75 | 343.75 | 2500.00 | 147500.00 |
| 2 | 2024-04 | 2838.02 | 338.02 | 2500.00 | 145000.00 |
| 3 | 2024-05 | 2832.29 | 332.29 | 2500.00 | 142500.00 |
| 4 | 2024-06 | 2826.56 | 326.56 | 2500.00 | 140000.00 |
| 5 | 2024-07 | 2820.83 | 320.83 | 2500.00 | 137500.00 |
| 6 | 2024-08 | 2815.10 | 315.10 | 2500.00 | 135000.00 |
| 7 | 2024-09 | 2809.38 | 309.38 | 2500.00 | 132500.00 |
| 8 | 2024-10 | 2803.65 | 303.65 | 2500.00 | 130000.00 |
| 9 | 2024-11 | 2797.92 | 297.92 | 2500.00 | 127500.00 |
| 10 | 2024-12 | 2792.19 | 292.19 | 2500.00 | 125000.00 |
| 11 | 2025-01 | 2786.46 | 286.46 | 2500.00 | 122500.00 |
| 12 | 2025-02 | 2780.73 | 280.73 | 2500.00 | 120000.00 |
| 13 | 2025-03 | 2775.00 | 275.00 | 2500.00 | 117500.00 |
| 14 | 2025-04 | 2769.27 | 269.27 | 2500.00 | 115000.00 |
| 15 | 2025-05 | 2763.54 | 263.54 | 2500.00 | 112500.00 |
| 16 | 2025-06 | 2757.81 | 257.81 | 2500.00 | 110000.00 |
| 17 | 2025-07 | 2752.08 | 252.08 | 2500.00 | 107500.00 |
| 18 | 2025-08 | 2746.35 | 246.35 | 2500.00 | 105000.00 |
| 19 | 2025-09 | 2740.63 | 240.63 | 2500.00 | 102500.00 |
| 20 | 2025-10 | 2734.90 | 234.90 | 2500.00 | 100000.00 |
| 21 | 2025-11 | 2729.17 | 229.17 | 2500.00 | 97500.00 |
| 22 | 2025-12 | 2723.44 | 223.44 | 2500.00 | 95000.00 |
| 23 | 2026-01 | 2717.71 | 217.71 | 2500.00 | 92500.00 |
| 24 | 2026-02 | 2711.98 | 211.98 | 2500.00 | 90000.00 |
| 25 | 2026-03 | 2706.25 | 206.25 | 2500.00 | 87500.00 |
| 26 | 2026-04 | 2700.52 | 200.52 | 2500.00 | 85000.00 |
| 27 | 2026-05 | 2694.79 | 194.79 | 2500.00 | 82500.00 |
| 28 | 2026-06 | 2689.06 | 189.06 | 2500.00 | 80000.00 |
| 29 | 2026-07 | 2683.33 | 183.33 | 2500.00 | 77500.00 |
| 30 | 2026-08 | 2677.60 | 177.60 | 2500.00 | 75000.00 |
| 31 | 2026-09 | 2671.88 | 171.88 | 2500.00 | 72500.00 |
| 32 | 2026-10 | 2666.15 | 166.15 | 2500.00 | 70000.00 |
| 33 | 2026-11 | 2660.42 | 160.42 | 2500.00 | 67500.00 |
| 34 | 2026-12 | 2654.69 | 154.69 | 2500.00 | 65000.00 |
| 35 | 2027-01 | 2648.96 | 148.96 | 2500.00 | 62500.00 |
| 36 | 2027-02 | 2643.23 | 143.23 | 2500.00 | 60000.00 |
| 37 | 2027-03 | 2637.50 | 137.50 | 2500.00 | 57500.00 |
| 38 | 2027-04 | 2631.77 | 131.77 | 2500.00 | 55000.00 |
| 39 | 2027-05 | 2626.04 | 126.04 | 2500.00 | 52500.00 |
| 40 | 2027-06 | 2620.31 | 120.31 | 2500.00 | 50000.00 |
| 41 | 2027-07 | 2614.58 | 114.58 | 2500.00 | 47500.00 |
| 42 | 2027-08 | 2608.85 | 108.85 | 2500.00 | 45000.00 |
| 43 | 2027-09 | 2603.13 | 103.13 | 2500.00 | 42500.00 |
| 44 | 2027-10 | 2597.40 | 97.40 | 2500.00 | 40000.00 |
| 45 | 2027-11 | 2591.67 | 91.67 | 2500.00 | 37500.00 |
| 46 | 2027-12 | 2585.94 | 85.94 | 2500.00 | 35000.00 |
| 47 | 2028-01 | 2580.21 | 80.21 | 2500.00 | 32500.00 |
| 48 | 2028-02 | 2574.48 | 74.48 | 2500.00 | 30000.00 |
| 49 | 2028-03 | 2568.75 | 68.75 | 2500.00 | 27500.00 |
| 50 | 2028-04 | 2563.02 | 63.02 | 2500.00 | 25000.00 |
| 51 | 2028-05 | 2557.29 | 57.29 | 2500.00 | 22500.00 |
| 52 | 2028-06 | 2551.56 | 51.56 | 2500.00 | 20000.00 |
| 53 | 2028-07 | 2545.83 | 45.83 | 2500.00 | 17500.00 |
| 54 | 2028-08 | 2540.10 | 40.10 | 2500.00 | 15000.00 |
| 55 | 2028-09 | 2534.38 | 34.38 | 2500.00 | 12500.00 |
| 56 | 2028-10 | 2528.65 | 28.65 | 2500.00 | 10000.00 |
| 57 | 2028-11 | 2522.92 | 22.92 | 2500.00 | 7500.00 |
| 58 | 2028-12 | 2517.19 | 17.19 | 2500.00 | 5000.00 |
| 59 | 2029-01 | 2511.46 | 11.46 | 2500.00 | 2500.00 |
| 60 | 2029-02 | 2505.73 | 5.73 | 2500.00 | 0.00 |