贷款117万（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：117万
还款月数：5年
每月还款：20687.12元
利息总额：7.12万
本息合计：124.12万
| 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 | 20687.12 | 2291.25 | 18395.87 | 1151604.13 |
| 2 | 2025-04 | 20687.12 | 2255.22 | 18431.90 | 1133172.23 |
| 3 | 2025-05 | 20687.12 | 2219.13 | 18467.99 | 1114704.24 |
| 4 | 2025-06 | 20687.12 | 2182.96 | 18504.16 | 1096200.08 |
| 5 | 2025-07 | 20687.12 | 2146.73 | 18540.40 | 1077659.69 |
| 6 | 2025-08 | 20687.12 | 2110.42 | 18576.70 | 1059082.98 |
| 7 | 2025-09 | 20687.12 | 2074.04 | 18613.08 | 1040469.90 |
| 8 | 2025-10 | 20687.12 | 2037.59 | 18649.53 | 1021820.37 |
| 9 | 2025-11 | 20687.12 | 2001.06 | 18686.06 | 1003134.31 |
| 10 | 2025-12 | 20687.12 | 1964.47 | 18722.65 | 984411.66 |
| 11 | 2026-01 | 20687.12 | 1927.81 | 18759.31 | 965652.35 |
| 12 | 2026-02 | 20687.12 | 1891.07 | 18796.05 | 946856.30 |
| 13 | 2026-03 | 20687.12 | 1854.26 | 18832.86 | 928023.44 |
| 14 | 2026-04 | 20687.12 | 1817.38 | 18869.74 | 909153.70 |
| 15 | 2026-05 | 20687.12 | 1780.43 | 18906.69 | 890247.00 |
| 16 | 2026-06 | 20687.12 | 1743.40 | 18943.72 | 871303.28 |
| 17 | 2026-07 | 20687.12 | 1706.30 | 18980.82 | 852322.46 |
| 18 | 2026-08 | 20687.12 | 1669.13 | 19017.99 | 833304.47 |
| 19 | 2026-09 | 20687.12 | 1631.89 | 19055.23 | 814249.24 |
| 20 | 2026-10 | 20687.12 | 1594.57 | 19092.55 | 795156.69 |
| 21 | 2026-11 | 20687.12 | 1557.18 | 19129.94 | 776026.75 |
| 22 | 2026-12 | 20687.12 | 1519.72 | 19167.40 | 756859.35 |
| 23 | 2027-01 | 20687.12 | 1482.18 | 19204.94 | 737654.41 |
| 24 | 2027-02 | 20687.12 | 1444.57 | 19242.55 | 718411.87 |
| 25 | 2027-03 | 20687.12 | 1406.89 | 19280.23 | 699131.64 |
| 26 | 2027-04 | 20687.12 | 1369.13 | 19317.99 | 679813.65 |
| 27 | 2027-05 | 20687.12 | 1331.30 | 19355.82 | 660457.83 |
| 28 | 2027-06 | 20687.12 | 1293.40 | 19393.72 | 641064.10 |
| 29 | 2027-07 | 20687.12 | 1255.42 | 19431.70 | 621632.40 |
| 30 | 2027-08 | 20687.12 | 1217.36 | 19469.76 | 602162.64 |
| 31 | 2027-09 | 20687.12 | 1179.24 | 19507.89 | 582654.76 |
| 32 | 2027-10 | 20687.12 | 1141.03 | 19546.09 | 563108.67 |
| 33 | 2027-11 | 20687.12 | 1102.75 | 19584.37 | 543524.30 |
| 34 | 2027-12 | 20687.12 | 1064.40 | 19622.72 | 523901.59 |
| 35 | 2028-01 | 20687.12 | 1025.97 | 19661.15 | 504240.44 |
| 36 | 2028-02 | 20687.12 | 987.47 | 19699.65 | 484540.79 |
| 37 | 2028-03 | 20687.12 | 948.89 | 19738.23 | 464802.56 |
| 38 | 2028-04 | 20687.12 | 910.24 | 19776.88 | 445025.68 |
| 39 | 2028-05 | 20687.12 | 871.51 | 19815.61 | 425210.07 |
| 40 | 2028-06 | 20687.12 | 832.70 | 19854.42 | 405355.65 |
| 41 | 2028-07 | 20687.12 | 793.82 | 19893.30 | 385462.35 |
| 42 | 2028-08 | 20687.12 | 754.86 | 19932.26 | 365530.09 |
| 43 | 2028-09 | 20687.12 | 715.83 | 19971.29 | 345558.80 |
| 44 | 2028-10 | 20687.12 | 676.72 | 20010.40 | 325548.40 |
| 45 | 2028-11 | 20687.12 | 637.53 | 20049.59 | 305498.81 |
| 46 | 2028-12 | 20687.12 | 598.27 | 20088.85 | 285409.96 |
| 47 | 2029-01 | 20687.12 | 558.93 | 20128.19 | 265281.77 |
| 48 | 2029-02 | 20687.12 | 519.51 | 20167.61 | 245114.16 |
| 49 | 2029-03 | 20687.12 | 480.02 | 20207.11 | 224907.05 |
| 50 | 2029-04 | 20687.12 | 440.44 | 20246.68 | 204660.37 |
| 51 | 2029-05 | 20687.12 | 400.79 | 20286.33 | 184374.05 |
| 52 | 2029-06 | 20687.12 | 361.07 | 20326.05 | 164047.99 |
| 53 | 2029-07 | 20687.12 | 321.26 | 20365.86 | 143682.13 |
| 54 | 2029-08 | 20687.12 | 281.38 | 20405.74 | 123276.39 |
| 55 | 2029-09 | 20687.12 | 241.42 | 20445.70 | 102830.68 |
| 56 | 2029-10 | 20687.12 | 201.38 | 20485.74 | 82344.94 |
| 57 | 2029-11 | 20687.12 | 161.26 | 20525.86 | 61819.08 |
| 58 | 2029-12 | 20687.12 | 121.06 | 20566.06 | 41253.02 |
| 59 | 2030-01 | 20687.12 | 80.79 | 20606.33 | 20646.69 |
| 60 | 2030-02 | 20687.12 | 40.43 | 20646.69 | 0.00 |
等额本金还款方式：
贷款总额：117万
还款月数：5年
首月还款：21791.25元
每月递减：38.19元
利息总额：6.99万
本息合计：123.99万
节省利息：1344.11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 | 21791.25 | 2291.25 | 19500.00 | 1150500.00 |
| 2 | 2025-04 | 21753.06 | 2253.06 | 19500.00 | 1131000.00 |
| 3 | 2025-05 | 21714.88 | 2214.88 | 19500.00 | 1111500.00 |
| 4 | 2025-06 | 21676.69 | 2176.69 | 19500.00 | 1092000.00 |
| 5 | 2025-07 | 21638.50 | 2138.50 | 19500.00 | 1072500.00 |
| 6 | 2025-08 | 21600.31 | 2100.31 | 19500.00 | 1053000.00 |
| 7 | 2025-09 | 21562.13 | 2062.13 | 19500.00 | 1033500.00 |
| 8 | 2025-10 | 21523.94 | 2023.94 | 19500.00 | 1014000.00 |
| 9 | 2025-11 | 21485.75 | 1985.75 | 19500.00 | 994500.00 |
| 10 | 2025-12 | 21447.56 | 1947.56 | 19500.00 | 975000.00 |
| 11 | 2026-01 | 21409.38 | 1909.37 | 19500.00 | 955500.00 |
| 12 | 2026-02 | 21371.19 | 1871.19 | 19500.00 | 936000.00 |
| 13 | 2026-03 | 21333.00 | 1833.00 | 19500.00 | 916500.00 |
| 14 | 2026-04 | 21294.81 | 1794.81 | 19500.00 | 897000.00 |
| 15 | 2026-05 | 21256.63 | 1756.62 | 19500.00 | 877500.00 |
| 16 | 2026-06 | 21218.44 | 1718.44 | 19500.00 | 858000.00 |
| 17 | 2026-07 | 21180.25 | 1680.25 | 19500.00 | 838500.00 |
| 18 | 2026-08 | 21142.06 | 1642.06 | 19500.00 | 819000.00 |
| 19 | 2026-09 | 21103.88 | 1603.87 | 19500.00 | 799500.00 |
| 20 | 2026-10 | 21065.69 | 1565.69 | 19500.00 | 780000.00 |
| 21 | 2026-11 | 21027.50 | 1527.50 | 19500.00 | 760500.00 |
| 22 | 2026-12 | 20989.31 | 1489.31 | 19500.00 | 741000.00 |
| 23 | 2027-01 | 20951.13 | 1451.13 | 19500.00 | 721500.00 |
| 24 | 2027-02 | 20912.94 | 1412.94 | 19500.00 | 702000.00 |
| 25 | 2027-03 | 20874.75 | 1374.75 | 19500.00 | 682500.00 |
| 26 | 2027-04 | 20836.56 | 1336.56 | 19500.00 | 663000.00 |
| 27 | 2027-05 | 20798.38 | 1298.38 | 19500.00 | 643500.00 |
| 28 | 2027-06 | 20760.19 | 1260.19 | 19500.00 | 624000.00 |
| 29 | 2027-07 | 20722.00 | 1222.00 | 19500.00 | 604500.00 |
| 30 | 2027-08 | 20683.81 | 1183.81 | 19500.00 | 585000.00 |
| 31 | 2027-09 | 20645.63 | 1145.63 | 19500.00 | 565500.00 |
| 32 | 2027-10 | 20607.44 | 1107.44 | 19500.00 | 546000.00 |
| 33 | 2027-11 | 20569.25 | 1069.25 | 19500.00 | 526500.00 |
| 34 | 2027-12 | 20531.06 | 1031.06 | 19500.00 | 507000.00 |
| 35 | 2028-01 | 20492.88 | 992.87 | 19500.00 | 487500.00 |
| 36 | 2028-02 | 20454.69 | 954.69 | 19500.00 | 468000.00 |
| 37 | 2028-03 | 20416.50 | 916.50 | 19500.00 | 448500.00 |
| 38 | 2028-04 | 20378.31 | 878.31 | 19500.00 | 429000.00 |
| 39 | 2028-05 | 20340.13 | 840.12 | 19500.00 | 409500.00 |
| 40 | 2028-06 | 20301.94 | 801.94 | 19500.00 | 390000.00 |
| 41 | 2028-07 | 20263.75 | 763.75 | 19500.00 | 370500.00 |
| 42 | 2028-08 | 20225.56 | 725.56 | 19500.00 | 351000.00 |
| 43 | 2028-09 | 20187.38 | 687.38 | 19500.00 | 331500.00 |
| 44 | 2028-10 | 20149.19 | 649.19 | 19500.00 | 312000.00 |
| 45 | 2028-11 | 20111.00 | 611.00 | 19500.00 | 292500.00 |
| 46 | 2028-12 | 20072.81 | 572.81 | 19500.00 | 273000.00 |
| 47 | 2029-01 | 20034.63 | 534.63 | 19500.00 | 253500.00 |
| 48 | 2029-02 | 19996.44 | 496.44 | 19500.00 | 234000.00 |
| 49 | 2029-03 | 19958.25 | 458.25 | 19500.00 | 214500.00 |
| 50 | 2029-04 | 19920.06 | 420.06 | 19500.00 | 195000.00 |
| 51 | 2029-05 | 19881.88 | 381.88 | 19500.00 | 175500.00 |
| 52 | 2029-06 | 19843.69 | 343.69 | 19500.00 | 156000.00 |
| 53 | 2029-07 | 19805.50 | 305.50 | 19500.00 | 136500.00 |
| 54 | 2029-08 | 19767.31 | 267.31 | 19500.00 | 117000.00 |
| 55 | 2029-09 | 19729.13 | 229.12 | 19500.00 | 97500.00 |
| 56 | 2029-10 | 19690.94 | 190.94 | 19500.00 | 78000.00 |
| 57 | 2029-11 | 19652.75 | 152.75 | 19500.00 | 58500.00 |
| 58 | 2029-12 | 19614.56 | 114.56 | 19500.00 | 39000.00 |
| 59 | 2030-01 | 19576.38 | 76.38 | 19500.00 | 19500.00 |
| 60 | 2030-02 | 19538.19 | 38.19 | 19500.00 | 0.00 |