贷款74万（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：74万
还款月数：5年
每月还款：13084.16元
利息总额：4.5万
本息合计：78.5万
| 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 | 13084.16 | 1449.17 | 11635.00 | 728365.00 |
| 2 | 2025-04 | 13084.16 | 1426.38 | 11657.78 | 716707.22 |
| 3 | 2025-05 | 13084.16 | 1403.55 | 11680.61 | 705026.61 |
| 4 | 2025-06 | 13084.16 | 1380.68 | 11703.48 | 693323.13 |
| 5 | 2025-07 | 13084.16 | 1357.76 | 11726.40 | 681596.73 |
| 6 | 2025-08 | 13084.16 | 1334.79 | 11749.37 | 669847.36 |
| 7 | 2025-09 | 13084.16 | 1311.78 | 11772.38 | 658074.98 |
| 8 | 2025-10 | 13084.16 | 1288.73 | 11795.43 | 646279.55 |
| 9 | 2025-11 | 13084.16 | 1265.63 | 11818.53 | 634461.02 |
| 10 | 2025-12 | 13084.16 | 1242.49 | 11841.68 | 622619.34 |
| 11 | 2026-01 | 13084.16 | 1219.30 | 11864.87 | 610754.48 |
| 12 | 2026-02 | 13084.16 | 1196.06 | 11888.10 | 598866.38 |
| 13 | 2026-03 | 13084.16 | 1172.78 | 11911.38 | 586954.99 |
| 14 | 2026-04 | 13084.16 | 1149.45 | 11934.71 | 575020.29 |
| 15 | 2026-05 | 13084.16 | 1126.08 | 11958.08 | 563062.21 |
| 16 | 2026-06 | 13084.16 | 1102.66 | 11981.50 | 551080.71 |
| 17 | 2026-07 | 13084.16 | 1079.20 | 12004.96 | 539075.75 |
| 18 | 2026-08 | 13084.16 | 1055.69 | 12028.47 | 527047.27 |
| 19 | 2026-09 | 13084.16 | 1032.13 | 12052.03 | 514995.25 |
| 20 | 2026-10 | 13084.16 | 1008.53 | 12075.63 | 502919.62 |
| 21 | 2026-11 | 13084.16 | 984.88 | 12099.28 | 490820.34 |
| 22 | 2026-12 | 13084.16 | 961.19 | 12122.97 | 478697.37 |
| 23 | 2027-01 | 13084.16 | 937.45 | 12146.71 | 466550.65 |
| 24 | 2027-02 | 13084.16 | 913.66 | 12170.50 | 454380.15 |
| 25 | 2027-03 | 13084.16 | 889.83 | 12194.33 | 442185.82 |
| 26 | 2027-04 | 13084.16 | 865.95 | 12218.21 | 429967.61 |
| 27 | 2027-05 | 13084.16 | 842.02 | 12242.14 | 417725.46 |
| 28 | 2027-06 | 13084.16 | 818.05 | 12266.12 | 405459.35 |
| 29 | 2027-07 | 13084.16 | 794.02 | 12290.14 | 393169.21 |
| 30 | 2027-08 | 13084.16 | 769.96 | 12314.21 | 380855.01 |
| 31 | 2027-09 | 13084.16 | 745.84 | 12338.32 | 368516.68 |
| 32 | 2027-10 | 13084.16 | 721.68 | 12362.48 | 356154.20 |
| 33 | 2027-11 | 13084.16 | 697.47 | 12386.69 | 343767.51 |
| 34 | 2027-12 | 13084.16 | 673.21 | 12410.95 | 331356.56 |
| 35 | 2028-01 | 13084.16 | 648.91 | 12435.26 | 318921.30 |
| 36 | 2028-02 | 13084.16 | 624.55 | 12459.61 | 306461.70 |
| 37 | 2028-03 | 13084.16 | 600.15 | 12484.01 | 293977.69 |
| 38 | 2028-04 | 13084.16 | 575.71 | 12508.46 | 281469.23 |
| 39 | 2028-05 | 13084.16 | 551.21 | 12532.95 | 268936.28 |
| 40 | 2028-06 | 13084.16 | 526.67 | 12557.49 | 256378.79 |
| 41 | 2028-07 | 13084.16 | 502.08 | 12582.09 | 243796.70 |
| 42 | 2028-08 | 13084.16 | 477.44 | 12606.73 | 231189.97 |
| 43 | 2028-09 | 13084.16 | 452.75 | 12631.41 | 218558.56 |
| 44 | 2028-10 | 13084.16 | 428.01 | 12656.15 | 205902.41 |
| 45 | 2028-11 | 13084.16 | 403.23 | 12680.94 | 193221.47 |
| 46 | 2028-12 | 13084.16 | 378.39 | 12705.77 | 180515.70 |
| 47 | 2029-01 | 13084.16 | 353.51 | 12730.65 | 167785.05 |
| 48 | 2029-02 | 13084.16 | 328.58 | 12755.58 | 155029.47 |
| 49 | 2029-03 | 13084.16 | 303.60 | 12780.56 | 142248.90 |
| 50 | 2029-04 | 13084.16 | 278.57 | 12805.59 | 129443.31 |
| 51 | 2029-05 | 13084.16 | 253.49 | 12830.67 | 116612.65 |
| 52 | 2029-06 | 13084.16 | 228.37 | 12855.80 | 103756.85 |
| 53 | 2029-07 | 13084.16 | 203.19 | 12880.97 | 90875.88 |
| 54 | 2029-08 | 13084.16 | 177.97 | 12906.20 | 77969.68 |
| 55 | 2029-09 | 13084.16 | 152.69 | 12931.47 | 65038.21 |
| 56 | 2029-10 | 13084.16 | 127.37 | 12956.80 | 52081.42 |
| 57 | 2029-11 | 13084.16 | 101.99 | 12982.17 | 39099.25 |
| 58 | 2029-12 | 13084.16 | 76.57 | 13007.59 | 26091.65 |
| 59 | 2030-01 | 13084.16 | 51.10 | 13033.07 | 13058.59 |
| 60 | 2030-02 | 13084.16 | 25.57 | 13058.59 | 0.00 |
等额本金还款方式：
贷款总额：74万
还款月数：5年
首月还款：13782.5元
每月递减：24.15元
利息总额：4.42万
本息合计：78.42万
节省利息：850.12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 | 13782.50 | 1449.17 | 12333.33 | 727666.67 |
| 2 | 2025-04 | 13758.35 | 1425.01 | 12333.33 | 715333.33 |
| 3 | 2025-05 | 13734.19 | 1400.86 | 12333.33 | 703000.00 |
| 4 | 2025-06 | 13710.04 | 1376.71 | 12333.33 | 690666.67 |
| 5 | 2025-07 | 13685.89 | 1352.56 | 12333.33 | 678333.33 |
| 6 | 2025-08 | 13661.74 | 1328.40 | 12333.33 | 666000.00 |
| 7 | 2025-09 | 13637.58 | 1304.25 | 12333.33 | 653666.67 |
| 8 | 2025-10 | 13613.43 | 1280.10 | 12333.33 | 641333.33 |
| 9 | 2025-11 | 13589.28 | 1255.94 | 12333.33 | 629000.00 |
| 10 | 2025-12 | 13565.13 | 1231.79 | 12333.33 | 616666.67 |
| 11 | 2026-01 | 13540.97 | 1207.64 | 12333.33 | 604333.33 |
| 12 | 2026-02 | 13516.82 | 1183.49 | 12333.33 | 592000.00 |
| 13 | 2026-03 | 13492.67 | 1159.33 | 12333.33 | 579666.67 |
| 14 | 2026-04 | 13468.51 | 1135.18 | 12333.33 | 567333.33 |
| 15 | 2026-05 | 13444.36 | 1111.03 | 12333.33 | 555000.00 |
| 16 | 2026-06 | 13420.21 | 1086.88 | 12333.33 | 542666.67 |
| 17 | 2026-07 | 13396.06 | 1062.72 | 12333.33 | 530333.33 |
| 18 | 2026-08 | 13371.90 | 1038.57 | 12333.33 | 518000.00 |
| 19 | 2026-09 | 13347.75 | 1014.42 | 12333.33 | 505666.67 |
| 20 | 2026-10 | 13323.60 | 990.26 | 12333.33 | 493333.33 |
| 21 | 2026-11 | 13299.44 | 966.11 | 12333.33 | 481000.00 |
| 22 | 2026-12 | 13275.29 | 941.96 | 12333.33 | 468666.67 |
| 23 | 2027-01 | 13251.14 | 917.81 | 12333.33 | 456333.33 |
| 24 | 2027-02 | 13226.99 | 893.65 | 12333.33 | 444000.00 |
| 25 | 2027-03 | 13202.83 | 869.50 | 12333.33 | 431666.67 |
| 26 | 2027-04 | 13178.68 | 845.35 | 12333.33 | 419333.33 |
| 27 | 2027-05 | 13154.53 | 821.19 | 12333.33 | 407000.00 |
| 28 | 2027-06 | 13130.38 | 797.04 | 12333.33 | 394666.67 |
| 29 | 2027-07 | 13106.22 | 772.89 | 12333.33 | 382333.33 |
| 30 | 2027-08 | 13082.07 | 748.74 | 12333.33 | 370000.00 |
| 31 | 2027-09 | 13057.92 | 724.58 | 12333.33 | 357666.67 |
| 32 | 2027-10 | 13033.76 | 700.43 | 12333.33 | 345333.33 |
| 33 | 2027-11 | 13009.61 | 676.28 | 12333.33 | 333000.00 |
| 34 | 2027-12 | 12985.46 | 652.13 | 12333.33 | 320666.67 |
| 35 | 2028-01 | 12961.31 | 627.97 | 12333.33 | 308333.33 |
| 36 | 2028-02 | 12937.15 | 603.82 | 12333.33 | 296000.00 |
| 37 | 2028-03 | 12913.00 | 579.67 | 12333.33 | 283666.67 |
| 38 | 2028-04 | 12888.85 | 555.51 | 12333.33 | 271333.33 |
| 39 | 2028-05 | 12864.69 | 531.36 | 12333.33 | 259000.00 |
| 40 | 2028-06 | 12840.54 | 507.21 | 12333.33 | 246666.67 |
| 41 | 2028-07 | 12816.39 | 483.06 | 12333.33 | 234333.33 |
| 42 | 2028-08 | 12792.24 | 458.90 | 12333.33 | 222000.00 |
| 43 | 2028-09 | 12768.08 | 434.75 | 12333.33 | 209666.67 |
| 44 | 2028-10 | 12743.93 | 410.60 | 12333.33 | 197333.33 |
| 45 | 2028-11 | 12719.78 | 386.44 | 12333.33 | 185000.00 |
| 46 | 2028-12 | 12695.63 | 362.29 | 12333.33 | 172666.67 |
| 47 | 2029-01 | 12671.47 | 338.14 | 12333.33 | 160333.33 |
| 48 | 2029-02 | 12647.32 | 313.99 | 12333.33 | 148000.00 |
| 49 | 2029-03 | 12623.17 | 289.83 | 12333.33 | 135666.67 |
| 50 | 2029-04 | 12599.01 | 265.68 | 12333.33 | 123333.33 |
| 51 | 2029-05 | 12574.86 | 241.53 | 12333.33 | 111000.00 |
| 52 | 2029-06 | 12550.71 | 217.37 | 12333.33 | 98666.67 |
| 53 | 2029-07 | 12526.56 | 193.22 | 12333.33 | 86333.33 |
| 54 | 2029-08 | 12502.40 | 169.07 | 12333.33 | 74000.00 |
| 55 | 2029-09 | 12478.25 | 144.92 | 12333.33 | 61666.67 |
| 56 | 2029-10 | 12454.10 | 120.76 | 12333.33 | 49333.33 |
| 57 | 2029-11 | 12429.94 | 96.61 | 12333.33 | 37000.00 |
| 58 | 2029-12 | 12405.79 | 72.46 | 12333.33 | 24666.67 |
| 59 | 2030-01 | 12381.64 | 48.31 | 12333.33 | 12333.33 |
| 60 | 2030-02 | 12357.49 | 24.15 | 12333.33 | 0.00 |