贷款75万（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：75万
还款月数：5年
每月还款：13260.97元
利息总额：4.57万
本息合计：79.57万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 13260.97 | 1468.75 | 11792.22 | 738207.78 |
| 2 | 2025-04 | 13260.97 | 1445.66 | 11815.32 | 726392.46 |
| 3 | 2025-05 | 13260.97 | 1422.52 | 11838.46 | 714554.00 |
| 4 | 2025-06 | 13260.97 | 1399.33 | 11861.64 | 702692.36 |
| 5 | 2025-07 | 13260.97 | 1376.11 | 11884.87 | 690807.49 |
| 6 | 2025-08 | 13260.97 | 1352.83 | 11908.14 | 678899.35 |
| 7 | 2025-09 | 13260.97 | 1329.51 | 11931.46 | 666967.89 |
| 8 | 2025-10 | 13260.97 | 1306.15 | 11954.83 | 655013.06 |
| 9 | 2025-11 | 13260.97 | 1282.73 | 11978.24 | 643034.82 |
| 10 | 2025-12 | 13260.97 | 1259.28 | 12001.70 | 631033.12 |
| 11 | 2026-01 | 13260.97 | 1235.77 | 12025.20 | 619007.92 |
| 12 | 2026-02 | 13260.97 | 1212.22 | 12048.75 | 606959.16 |
| 13 | 2026-03 | 13260.97 | 1188.63 | 12072.35 | 594886.82 |
| 14 | 2026-04 | 13260.97 | 1164.99 | 12095.99 | 582790.83 |
| 15 | 2026-05 | 13260.97 | 1141.30 | 12119.68 | 570671.15 |
| 16 | 2026-06 | 13260.97 | 1117.56 | 12143.41 | 558527.74 |
| 17 | 2026-07 | 13260.97 | 1093.78 | 12167.19 | 546360.55 |
| 18 | 2026-08 | 13260.97 | 1069.96 | 12191.02 | 534169.53 |
| 19 | 2026-09 | 13260.97 | 1046.08 | 12214.89 | 521954.64 |
| 20 | 2026-10 | 13260.97 | 1022.16 | 12238.81 | 509715.83 |
| 21 | 2026-11 | 13260.97 | 998.19 | 12262.78 | 497453.05 |
| 22 | 2026-12 | 13260.97 | 974.18 | 12286.80 | 485166.25 |
| 23 | 2027-01 | 13260.97 | 950.12 | 12310.86 | 472855.39 |
| 24 | 2027-02 | 13260.97 | 926.01 | 12334.97 | 460520.43 |
| 25 | 2027-03 | 13260.97 | 901.85 | 12359.12 | 448161.30 |
| 26 | 2027-04 | 13260.97 | 877.65 | 12383.33 | 435777.98 |
| 27 | 2027-05 | 13260.97 | 853.40 | 12407.58 | 423370.40 |
| 28 | 2027-06 | 13260.97 | 829.10 | 12431.87 | 410938.53 |
| 29 | 2027-07 | 13260.97 | 804.75 | 12456.22 | 398482.31 |
| 30 | 2027-08 | 13260.97 | 780.36 | 12480.61 | 386001.69 |
| 31 | 2027-09 | 13260.97 | 755.92 | 12505.05 | 373496.64 |
| 32 | 2027-10 | 13260.97 | 731.43 | 12529.54 | 360967.10 |
| 33 | 2027-11 | 13260.97 | 706.89 | 12554.08 | 348413.02 |
| 34 | 2027-12 | 13260.97 | 682.31 | 12578.67 | 335834.35 |
| 35 | 2028-01 | 13260.97 | 657.68 | 12603.30 | 323231.05 |
| 36 | 2028-02 | 13260.97 | 632.99 | 12627.98 | 310603.07 |
| 37 | 2028-03 | 13260.97 | 608.26 | 12652.71 | 297950.36 |
| 38 | 2028-04 | 13260.97 | 583.49 | 12677.49 | 285272.87 |
| 39 | 2028-05 | 13260.97 | 558.66 | 12702.32 | 272570.56 |
| 40 | 2028-06 | 13260.97 | 533.78 | 12727.19 | 259843.36 |
| 41 | 2028-07 | 13260.97 | 508.86 | 12752.11 | 247091.25 |
| 42 | 2028-08 | 13260.97 | 483.89 | 12777.09 | 234314.16 |
| 43 | 2028-09 | 13260.97 | 458.87 | 12802.11 | 221512.05 |
| 44 | 2028-10 | 13260.97 | 433.79 | 12827.18 | 208684.87 |
| 45 | 2028-11 | 13260.97 | 408.67 | 12852.30 | 195832.57 |
| 46 | 2028-12 | 13260.97 | 383.51 | 12877.47 | 182955.10 |
| 47 | 2029-01 | 13260.97 | 358.29 | 12902.69 | 170052.42 |
| 48 | 2029-02 | 13260.97 | 333.02 | 12927.96 | 157124.46 |
| 49 | 2029-03 | 13260.97 | 307.70 | 12953.27 | 144171.19 |
| 50 | 2029-04 | 13260.97 | 282.34 | 12978.64 | 131192.55 |
| 51 | 2029-05 | 13260.97 | 256.92 | 13004.06 | 118188.49 |
| 52 | 2029-06 | 13260.97 | 231.45 | 13029.52 | 105158.97 |
| 53 | 2029-07 | 13260.97 | 205.94 | 13055.04 | 92103.93 |
| 54 | 2029-08 | 13260.97 | 180.37 | 13080.60 | 79023.33 |
| 55 | 2029-09 | 13260.97 | 154.75 | 13106.22 | 65917.11 |
| 56 | 2029-10 | 13260.97 | 129.09 | 13131.89 | 52785.22 |
| 57 | 2029-11 | 13260.97 | 103.37 | 13157.60 | 39627.61 |
| 58 | 2029-12 | 13260.97 | 77.60 | 13183.37 | 26444.24 |
| 59 | 2030-01 | 13260.97 | 51.79 | 13209.19 | 13235.06 |
| 60 | 2030-02 | 13260.97 | 25.92 | 13235.06 | 0.00 |
等额本金还款方式：
贷款总额：75万
还款月数：5年
首月还款：13968.75元
每月递减：24.48元
利息总额：4.48万
本息合计：79.48万
节省利息：861.61元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 13968.75 | 1468.75 | 12500.00 | 737500.00 |
| 2 | 2025-04 | 13944.27 | 1444.27 | 12500.00 | 725000.00 |
| 3 | 2025-05 | 13919.79 | 1419.79 | 12500.00 | 712500.00 |
| 4 | 2025-06 | 13895.31 | 1395.31 | 12500.00 | 700000.00 |
| 5 | 2025-07 | 13870.83 | 1370.83 | 12500.00 | 687500.00 |
| 6 | 2025-08 | 13846.35 | 1346.35 | 12500.00 | 675000.00 |
| 7 | 2025-09 | 13821.88 | 1321.88 | 12500.00 | 662500.00 |
| 8 | 2025-10 | 13797.40 | 1297.40 | 12500.00 | 650000.00 |
| 9 | 2025-11 | 13772.92 | 1272.92 | 12500.00 | 637500.00 |
| 10 | 2025-12 | 13748.44 | 1248.44 | 12500.00 | 625000.00 |
| 11 | 2026-01 | 13723.96 | 1223.96 | 12500.00 | 612500.00 |
| 12 | 2026-02 | 13699.48 | 1199.48 | 12500.00 | 600000.00 |
| 13 | 2026-03 | 13675.00 | 1175.00 | 12500.00 | 587500.00 |
| 14 | 2026-04 | 13650.52 | 1150.52 | 12500.00 | 575000.00 |
| 15 | 2026-05 | 13626.04 | 1126.04 | 12500.00 | 562500.00 |
| 16 | 2026-06 | 13601.56 | 1101.56 | 12500.00 | 550000.00 |
| 17 | 2026-07 | 13577.08 | 1077.08 | 12500.00 | 537500.00 |
| 18 | 2026-08 | 13552.60 | 1052.60 | 12500.00 | 525000.00 |
| 19 | 2026-09 | 13528.13 | 1028.13 | 12500.00 | 512500.00 |
| 20 | 2026-10 | 13503.65 | 1003.65 | 12500.00 | 500000.00 |
| 21 | 2026-11 | 13479.17 | 979.17 | 12500.00 | 487500.00 |
| 22 | 2026-12 | 13454.69 | 954.69 | 12500.00 | 475000.00 |
| 23 | 2027-01 | 13430.21 | 930.21 | 12500.00 | 462500.00 |
| 24 | 2027-02 | 13405.73 | 905.73 | 12500.00 | 450000.00 |
| 25 | 2027-03 | 13381.25 | 881.25 | 12500.00 | 437500.00 |
| 26 | 2027-04 | 13356.77 | 856.77 | 12500.00 | 425000.00 |
| 27 | 2027-05 | 13332.29 | 832.29 | 12500.00 | 412500.00 |
| 28 | 2027-06 | 13307.81 | 807.81 | 12500.00 | 400000.00 |
| 29 | 2027-07 | 13283.33 | 783.33 | 12500.00 | 387500.00 |
| 30 | 2027-08 | 13258.85 | 758.85 | 12500.00 | 375000.00 |
| 31 | 2027-09 | 13234.38 | 734.38 | 12500.00 | 362500.00 |
| 32 | 2027-10 | 13209.90 | 709.90 | 12500.00 | 350000.00 |
| 33 | 2027-11 | 13185.42 | 685.42 | 12500.00 | 337500.00 |
| 34 | 2027-12 | 13160.94 | 660.94 | 12500.00 | 325000.00 |
| 35 | 2028-01 | 13136.46 | 636.46 | 12500.00 | 312500.00 |
| 36 | 2028-02 | 13111.98 | 611.98 | 12500.00 | 300000.00 |
| 37 | 2028-03 | 13087.50 | 587.50 | 12500.00 | 287500.00 |
| 38 | 2028-04 | 13063.02 | 563.02 | 12500.00 | 275000.00 |
| 39 | 2028-05 | 13038.54 | 538.54 | 12500.00 | 262500.00 |
| 40 | 2028-06 | 13014.06 | 514.06 | 12500.00 | 250000.00 |
| 41 | 2028-07 | 12989.58 | 489.58 | 12500.00 | 237500.00 |
| 42 | 2028-08 | 12965.10 | 465.10 | 12500.00 | 225000.00 |
| 43 | 2028-09 | 12940.63 | 440.62 | 12500.00 | 212500.00 |
| 44 | 2028-10 | 12916.15 | 416.15 | 12500.00 | 200000.00 |
| 45 | 2028-11 | 12891.67 | 391.67 | 12500.00 | 187500.00 |
| 46 | 2028-12 | 12867.19 | 367.19 | 12500.00 | 175000.00 |
| 47 | 2029-01 | 12842.71 | 342.71 | 12500.00 | 162500.00 |
| 48 | 2029-02 | 12818.23 | 318.23 | 12500.00 | 150000.00 |
| 49 | 2029-03 | 12793.75 | 293.75 | 12500.00 | 137500.00 |
| 50 | 2029-04 | 12769.27 | 269.27 | 12500.00 | 125000.00 |
| 51 | 2029-05 | 12744.79 | 244.79 | 12500.00 | 112500.00 |
| 52 | 2029-06 | 12720.31 | 220.31 | 12500.00 | 100000.00 |
| 53 | 2029-07 | 12695.83 | 195.83 | 12500.00 | 87500.00 |
| 54 | 2029-08 | 12671.35 | 171.35 | 12500.00 | 75000.00 |
| 55 | 2029-09 | 12646.88 | 146.88 | 12500.00 | 62500.00 |
| 56 | 2029-10 | 12622.40 | 122.40 | 12500.00 | 50000.00 |
| 57 | 2029-11 | 12597.92 | 97.92 | 12500.00 | 37500.00 |
| 58 | 2029-12 | 12573.44 | 73.44 | 12500.00 | 25000.00 |
| 59 | 2030-01 | 12548.96 | 48.96 | 12500.00 | 12500.00 |
| 60 | 2030-02 | 12524.48 | 24.48 | 12500.00 | 0.00 |