贷款71万（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：71万
还款月数：5年
每月还款：12553.72元
利息总额：4.32万
本息合计：75.32万
| 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 | 12553.72 | 1390.42 | 11163.31 | 698836.69 |
| 2 | 2025-04 | 12553.72 | 1368.56 | 11185.17 | 687651.53 |
| 3 | 2025-05 | 12553.72 | 1346.65 | 11207.07 | 676444.45 |
| 4 | 2025-06 | 12553.72 | 1324.70 | 11229.02 | 665215.44 |
| 5 | 2025-07 | 12553.72 | 1302.71 | 11251.01 | 653964.43 |
| 6 | 2025-08 | 12553.72 | 1280.68 | 11273.04 | 642691.38 |
| 7 | 2025-09 | 12553.72 | 1258.60 | 11295.12 | 631396.27 |
| 8 | 2025-10 | 12553.72 | 1236.48 | 11317.24 | 620079.03 |
| 9 | 2025-11 | 12553.72 | 1214.32 | 11339.40 | 608739.63 |
| 10 | 2025-12 | 12553.72 | 1192.12 | 11361.61 | 597378.02 |
| 11 | 2026-01 | 12553.72 | 1169.87 | 11383.86 | 585994.16 |
| 12 | 2026-02 | 12553.72 | 1147.57 | 11406.15 | 574588.01 |
| 13 | 2026-03 | 12553.72 | 1125.23 | 11428.49 | 563159.52 |
| 14 | 2026-04 | 12553.72 | 1102.85 | 11450.87 | 551708.65 |
| 15 | 2026-05 | 12553.72 | 1080.43 | 11473.29 | 540235.36 |
| 16 | 2026-06 | 12553.72 | 1057.96 | 11495.76 | 528739.60 |
| 17 | 2026-07 | 12553.72 | 1035.45 | 11518.27 | 517221.32 |
| 18 | 2026-08 | 12553.72 | 1012.89 | 11540.83 | 505680.49 |
| 19 | 2026-09 | 12553.72 | 990.29 | 11563.43 | 494117.06 |
| 20 | 2026-10 | 12553.72 | 967.65 | 11586.08 | 482530.98 |
| 21 | 2026-11 | 12553.72 | 944.96 | 11608.77 | 470922.22 |
| 22 | 2026-12 | 12553.72 | 922.22 | 11631.50 | 459290.72 |
| 23 | 2027-01 | 12553.72 | 899.44 | 11654.28 | 447636.44 |
| 24 | 2027-02 | 12553.72 | 876.62 | 11677.10 | 435959.34 |
| 25 | 2027-03 | 12553.72 | 853.75 | 11699.97 | 424259.37 |
| 26 | 2027-04 | 12553.72 | 830.84 | 11722.88 | 412536.49 |
| 27 | 2027-05 | 12553.72 | 807.88 | 11745.84 | 400790.65 |
| 28 | 2027-06 | 12553.72 | 784.88 | 11768.84 | 389021.81 |
| 29 | 2027-07 | 12553.72 | 761.83 | 11791.89 | 377229.92 |
| 30 | 2027-08 | 12553.72 | 738.74 | 11814.98 | 365414.94 |
| 31 | 2027-09 | 12553.72 | 715.60 | 11838.12 | 353576.82 |
| 32 | 2027-10 | 12553.72 | 692.42 | 11861.30 | 341715.52 |
| 33 | 2027-11 | 12553.72 | 669.19 | 11884.53 | 329830.99 |
| 34 | 2027-12 | 12553.72 | 645.92 | 11907.80 | 317923.18 |
| 35 | 2028-01 | 12553.72 | 622.60 | 11931.12 | 305992.06 |
| 36 | 2028-02 | 12553.72 | 599.23 | 11954.49 | 294037.57 |
| 37 | 2028-03 | 12553.72 | 575.82 | 11977.90 | 282059.67 |
| 38 | 2028-04 | 12553.72 | 552.37 | 12001.36 | 270058.32 |
| 39 | 2028-05 | 12553.72 | 528.86 | 12024.86 | 258033.46 |
| 40 | 2028-06 | 12553.72 | 505.32 | 12048.41 | 245985.05 |
| 41 | 2028-07 | 12553.72 | 481.72 | 12072.00 | 233913.05 |
| 42 | 2028-08 | 12553.72 | 458.08 | 12095.64 | 221817.41 |
| 43 | 2028-09 | 12553.72 | 434.39 | 12119.33 | 209698.08 |
| 44 | 2028-10 | 12553.72 | 410.66 | 12143.06 | 197555.01 |
| 45 | 2028-11 | 12553.72 | 386.88 | 12166.84 | 185388.17 |
| 46 | 2028-12 | 12553.72 | 363.05 | 12190.67 | 173197.50 |
| 47 | 2029-01 | 12553.72 | 339.18 | 12214.54 | 160982.95 |
| 48 | 2029-02 | 12553.72 | 315.26 | 12238.46 | 148744.49 |
| 49 | 2029-03 | 12553.72 | 291.29 | 12262.43 | 136482.06 |
| 50 | 2029-04 | 12553.72 | 267.28 | 12286.45 | 124195.61 |
| 51 | 2029-05 | 12553.72 | 243.22 | 12310.51 | 111885.11 |
| 52 | 2029-06 | 12553.72 | 219.11 | 12334.61 | 99550.49 |
| 53 | 2029-07 | 12553.72 | 194.95 | 12358.77 | 87191.72 |
| 54 | 2029-08 | 12553.72 | 170.75 | 12382.97 | 74808.75 |
| 55 | 2029-09 | 12553.72 | 146.50 | 12407.22 | 62401.53 |
| 56 | 2029-10 | 12553.72 | 122.20 | 12431.52 | 49970.01 |
| 57 | 2029-11 | 12553.72 | 97.86 | 12455.86 | 37514.14 |
| 58 | 2029-12 | 12553.72 | 73.47 | 12480.26 | 25033.88 |
| 59 | 2030-01 | 12553.72 | 49.02 | 12504.70 | 12529.19 |
| 60 | 2030-02 | 12553.72 | 24.54 | 12529.19 | 0.00 |
等额本金还款方式：
贷款总额：71万
还款月数：5年
首月还款：13223.75元
每月递减：23.17元
利息总额：4.24万
本息合计：75.24万
节省利息：815.66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 | 13223.75 | 1390.42 | 11833.33 | 698166.67 |
| 2 | 2025-04 | 13200.58 | 1367.24 | 11833.33 | 686333.33 |
| 3 | 2025-05 | 13177.40 | 1344.07 | 11833.33 | 674500.00 |
| 4 | 2025-06 | 13154.23 | 1320.90 | 11833.33 | 662666.67 |
| 5 | 2025-07 | 13131.06 | 1297.72 | 11833.33 | 650833.33 |
| 6 | 2025-08 | 13107.88 | 1274.55 | 11833.33 | 639000.00 |
| 7 | 2025-09 | 13084.71 | 1251.38 | 11833.33 | 627166.67 |
| 8 | 2025-10 | 13061.53 | 1228.20 | 11833.33 | 615333.33 |
| 9 | 2025-11 | 13038.36 | 1205.03 | 11833.33 | 603500.00 |
| 10 | 2025-12 | 13015.19 | 1181.85 | 11833.33 | 591666.67 |
| 11 | 2026-01 | 12992.01 | 1158.68 | 11833.33 | 579833.33 |
| 12 | 2026-02 | 12968.84 | 1135.51 | 11833.33 | 568000.00 |
| 13 | 2026-03 | 12945.67 | 1112.33 | 11833.33 | 556166.67 |
| 14 | 2026-04 | 12922.49 | 1089.16 | 11833.33 | 544333.33 |
| 15 | 2026-05 | 12899.32 | 1065.99 | 11833.33 | 532500.00 |
| 16 | 2026-06 | 12876.15 | 1042.81 | 11833.33 | 520666.67 |
| 17 | 2026-07 | 12852.97 | 1019.64 | 11833.33 | 508833.33 |
| 18 | 2026-08 | 12829.80 | 996.47 | 11833.33 | 497000.00 |
| 19 | 2026-09 | 12806.63 | 973.29 | 11833.33 | 485166.67 |
| 20 | 2026-10 | 12783.45 | 950.12 | 11833.33 | 473333.33 |
| 21 | 2026-11 | 12760.28 | 926.94 | 11833.33 | 461500.00 |
| 22 | 2026-12 | 12737.10 | 903.77 | 11833.33 | 449666.67 |
| 23 | 2027-01 | 12713.93 | 880.60 | 11833.33 | 437833.33 |
| 24 | 2027-02 | 12690.76 | 857.42 | 11833.33 | 426000.00 |
| 25 | 2027-03 | 12667.58 | 834.25 | 11833.33 | 414166.67 |
| 26 | 2027-04 | 12644.41 | 811.08 | 11833.33 | 402333.33 |
| 27 | 2027-05 | 12621.24 | 787.90 | 11833.33 | 390500.00 |
| 28 | 2027-06 | 12598.06 | 764.73 | 11833.33 | 378666.67 |
| 29 | 2027-07 | 12574.89 | 741.56 | 11833.33 | 366833.33 |
| 30 | 2027-08 | 12551.72 | 718.38 | 11833.33 | 355000.00 |
| 31 | 2027-09 | 12528.54 | 695.21 | 11833.33 | 343166.67 |
| 32 | 2027-10 | 12505.37 | 672.03 | 11833.33 | 331333.33 |
| 33 | 2027-11 | 12482.19 | 648.86 | 11833.33 | 319500.00 |
| 34 | 2027-12 | 12459.02 | 625.69 | 11833.33 | 307666.67 |
| 35 | 2028-01 | 12435.85 | 602.51 | 11833.33 | 295833.33 |
| 36 | 2028-02 | 12412.67 | 579.34 | 11833.33 | 284000.00 |
| 37 | 2028-03 | 12389.50 | 556.17 | 11833.33 | 272166.67 |
| 38 | 2028-04 | 12366.33 | 532.99 | 11833.33 | 260333.33 |
| 39 | 2028-05 | 12343.15 | 509.82 | 11833.33 | 248500.00 |
| 40 | 2028-06 | 12319.98 | 486.65 | 11833.33 | 236666.67 |
| 41 | 2028-07 | 12296.81 | 463.47 | 11833.33 | 224833.33 |
| 42 | 2028-08 | 12273.63 | 440.30 | 11833.33 | 213000.00 |
| 43 | 2028-09 | 12250.46 | 417.12 | 11833.33 | 201166.67 |
| 44 | 2028-10 | 12227.28 | 393.95 | 11833.33 | 189333.33 |
| 45 | 2028-11 | 12204.11 | 370.78 | 11833.33 | 177500.00 |
| 46 | 2028-12 | 12180.94 | 347.60 | 11833.33 | 165666.67 |
| 47 | 2029-01 | 12157.76 | 324.43 | 11833.33 | 153833.33 |
| 48 | 2029-02 | 12134.59 | 301.26 | 11833.33 | 142000.00 |
| 49 | 2029-03 | 12111.42 | 278.08 | 11833.33 | 130166.67 |
| 50 | 2029-04 | 12088.24 | 254.91 | 11833.33 | 118333.33 |
| 51 | 2029-05 | 12065.07 | 231.74 | 11833.33 | 106500.00 |
| 52 | 2029-06 | 12041.90 | 208.56 | 11833.33 | 94666.67 |
| 53 | 2029-07 | 12018.72 | 185.39 | 11833.33 | 82833.33 |
| 54 | 2029-08 | 11995.55 | 162.22 | 11833.33 | 71000.00 |
| 55 | 2029-09 | 11972.38 | 139.04 | 11833.33 | 59166.67 |
| 56 | 2029-10 | 11949.20 | 115.87 | 11833.33 | 47333.33 |
| 57 | 2029-11 | 11926.03 | 92.69 | 11833.33 | 35500.00 |
| 58 | 2029-12 | 11902.85 | 69.52 | 11833.33 | 23666.67 |
| 59 | 2030-01 | 11879.68 | 46.35 | 11833.33 | 11833.33 |
| 60 | 2030-02 | 11856.51 | 23.17 | 11833.33 | 0.00 |