扬州贷款50万（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：50万
还款月数：5年
每月还款：8939.98元
利息总额：3.64万
本息合计：53.64万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 8939.98 | 1166.67 | 7773.31 | 492226.69 |
| 2 | 2025-05 | 8939.98 | 1148.53 | 7791.45 | 484435.24 |
| 3 | 2025-06 | 8939.98 | 1130.35 | 7809.63 | 476625.62 |
| 4 | 2025-07 | 8939.98 | 1112.13 | 7827.85 | 468797.77 |
| 5 | 2025-08 | 8939.98 | 1093.86 | 7846.11 | 460951.65 |
| 6 | 2025-09 | 8939.98 | 1075.55 | 7864.42 | 453087.23 |
| 7 | 2025-10 | 8939.98 | 1057.20 | 7882.77 | 445204.46 |
| 8 | 2025-11 | 8939.98 | 1038.81 | 7901.17 | 437303.29 |
| 9 | 2025-12 | 8939.98 | 1020.37 | 7919.60 | 429383.69 |
| 10 | 2026-01 | 8939.98 | 1001.90 | 7938.08 | 421445.61 |
| 11 | 2026-02 | 8939.98 | 983.37 | 7956.60 | 413489.01 |
| 12 | 2026-03 | 8939.98 | 964.81 | 7975.17 | 405513.84 |
| 13 | 2026-04 | 8939.98 | 946.20 | 7993.78 | 397520.06 |
| 14 | 2026-05 | 8939.98 | 927.55 | 8012.43 | 389507.63 |
| 15 | 2026-06 | 8939.98 | 908.85 | 8031.12 | 381476.51 |
| 16 | 2026-07 | 8939.98 | 890.11 | 8049.86 | 373426.64 |
| 17 | 2026-08 | 8939.98 | 871.33 | 8068.65 | 365358.00 |
| 18 | 2026-09 | 8939.98 | 852.50 | 8087.47 | 357270.52 |
| 19 | 2026-10 | 8939.98 | 833.63 | 8106.34 | 349164.18 |
| 20 | 2026-11 | 8939.98 | 814.72 | 8125.26 | 341038.92 |
| 21 | 2026-12 | 8939.98 | 795.76 | 8144.22 | 332894.70 |
| 22 | 2027-01 | 8939.98 | 776.75 | 8163.22 | 324731.48 |
| 23 | 2027-02 | 8939.98 | 757.71 | 8182.27 | 316549.21 |
| 24 | 2027-03 | 8939.98 | 738.61 | 8201.36 | 308347.85 |
| 25 | 2027-04 | 8939.98 | 719.48 | 8220.50 | 300127.35 |
| 26 | 2027-05 | 8939.98 | 700.30 | 8239.68 | 291887.67 |
| 27 | 2027-06 | 8939.98 | 681.07 | 8258.90 | 283628.77 |
| 28 | 2027-07 | 8939.98 | 661.80 | 8278.18 | 275350.59 |
| 29 | 2027-08 | 8939.98 | 642.48 | 8297.49 | 267053.10 |
| 30 | 2027-09 | 8939.98 | 623.12 | 8316.85 | 258736.25 |
| 31 | 2027-10 | 8939.98 | 603.72 | 8336.26 | 250399.99 |
| 32 | 2027-11 | 8939.98 | 584.27 | 8355.71 | 242044.28 |
| 33 | 2027-12 | 8939.98 | 564.77 | 8375.21 | 233669.08 |
| 34 | 2028-01 | 8939.98 | 545.23 | 8394.75 | 225274.33 |
| 35 | 2028-02 | 8939.98 | 525.64 | 8414.34 | 216859.99 |
| 36 | 2028-03 | 8939.98 | 506.01 | 8433.97 | 208426.02 |
| 37 | 2028-04 | 8939.98 | 486.33 | 8453.65 | 199972.37 |
| 38 | 2028-05 | 8939.98 | 466.60 | 8473.37 | 191499.00 |
| 39 | 2028-06 | 8939.98 | 446.83 | 8493.14 | 183005.86 |
| 40 | 2028-07 | 8939.98 | 427.01 | 8512.96 | 174492.89 |
| 41 | 2028-08 | 8939.98 | 407.15 | 8532.83 | 165960.07 |
| 42 | 2028-09 | 8939.98 | 387.24 | 8552.74 | 157407.33 |
| 43 | 2028-10 | 8939.98 | 367.28 | 8572.69 | 148834.64 |
| 44 | 2028-11 | 8939.98 | 347.28 | 8592.70 | 140241.94 |
| 45 | 2028-12 | 8939.98 | 327.23 | 8612.74 | 131629.20 |
| 46 | 2029-01 | 8939.98 | 307.13 | 8632.84 | 122996.36 |
| 47 | 2029-02 | 8939.98 | 286.99 | 8652.98 | 114343.37 |
| 48 | 2029-03 | 8939.98 | 266.80 | 8673.17 | 105670.20 |
| 49 | 2029-04 | 8939.98 | 246.56 | 8693.41 | 96976.79 |
| 50 | 2029-05 | 8939.98 | 226.28 | 8713.70 | 88263.09 |
| 51 | 2029-06 | 8939.98 | 205.95 | 8734.03 | 79529.06 |
| 52 | 2029-07 | 8939.98 | 185.57 | 8754.41 | 70774.65 |
| 53 | 2029-08 | 8939.98 | 165.14 | 8774.84 | 61999.82 |
| 54 | 2029-09 | 8939.98 | 144.67 | 8795.31 | 53204.51 |
| 55 | 2029-10 | 8939.98 | 124.14 | 8815.83 | 44388.68 |
| 56 | 2029-11 | 8939.98 | 103.57 | 8836.40 | 35552.27 |
| 57 | 2029-12 | 8939.98 | 82.96 | 8857.02 | 26695.25 |
| 58 | 2030-01 | 8939.98 | 62.29 | 8877.69 | 17817.57 |
| 59 | 2030-02 | 8939.98 | 41.57 | 8898.40 | 8919.16 |
| 60 | 2030-03 | 8939.98 | 20.81 | 8919.16 | 0.00 |
等额本金还款方式：
贷款总额：50万
还款月数：5年
首月还款：9500元
每月递减：19.44元
利息总额：3.56万
本息合计：53.56万
节省利息：815.22元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 9500.00 | 1166.67 | 8333.33 | 491666.67 |
| 2 | 2025-05 | 9480.56 | 1147.22 | 8333.33 | 483333.33 |
| 3 | 2025-06 | 9461.11 | 1127.78 | 8333.33 | 475000.00 |
| 4 | 2025-07 | 9441.67 | 1108.33 | 8333.33 | 466666.67 |
| 5 | 2025-08 | 9422.22 | 1088.89 | 8333.33 | 458333.33 |
| 6 | 2025-09 | 9402.78 | 1069.44 | 8333.33 | 450000.00 |
| 7 | 2025-10 | 9383.33 | 1050.00 | 8333.33 | 441666.67 |
| 8 | 2025-11 | 9363.89 | 1030.56 | 8333.33 | 433333.33 |
| 9 | 2025-12 | 9344.44 | 1011.11 | 8333.33 | 425000.00 |
| 10 | 2026-01 | 9325.00 | 991.67 | 8333.33 | 416666.67 |
| 11 | 2026-02 | 9305.56 | 972.22 | 8333.33 | 408333.33 |
| 12 | 2026-03 | 9286.11 | 952.78 | 8333.33 | 400000.00 |
| 13 | 2026-04 | 9266.67 | 933.33 | 8333.33 | 391666.67 |
| 14 | 2026-05 | 9247.22 | 913.89 | 8333.33 | 383333.33 |
| 15 | 2026-06 | 9227.78 | 894.44 | 8333.33 | 375000.00 |
| 16 | 2026-07 | 9208.33 | 875.00 | 8333.33 | 366666.67 |
| 17 | 2026-08 | 9188.89 | 855.56 | 8333.33 | 358333.33 |
| 18 | 2026-09 | 9169.44 | 836.11 | 8333.33 | 350000.00 |
| 19 | 2026-10 | 9150.00 | 816.67 | 8333.33 | 341666.67 |
| 20 | 2026-11 | 9130.56 | 797.22 | 8333.33 | 333333.33 |
| 21 | 2026-12 | 9111.11 | 777.78 | 8333.33 | 325000.00 |
| 22 | 2027-01 | 9091.67 | 758.33 | 8333.33 | 316666.67 |
| 23 | 2027-02 | 9072.22 | 738.89 | 8333.33 | 308333.33 |
| 24 | 2027-03 | 9052.78 | 719.44 | 8333.33 | 300000.00 |
| 25 | 2027-04 | 9033.33 | 700.00 | 8333.33 | 291666.67 |
| 26 | 2027-05 | 9013.89 | 680.56 | 8333.33 | 283333.33 |
| 27 | 2027-06 | 8994.44 | 661.11 | 8333.33 | 275000.00 |
| 28 | 2027-07 | 8975.00 | 641.67 | 8333.33 | 266666.67 |
| 29 | 2027-08 | 8955.56 | 622.22 | 8333.33 | 258333.33 |
| 30 | 2027-09 | 8936.11 | 602.78 | 8333.33 | 250000.00 |
| 31 | 2027-10 | 8916.67 | 583.33 | 8333.33 | 241666.67 |
| 32 | 2027-11 | 8897.22 | 563.89 | 8333.33 | 233333.33 |
| 33 | 2027-12 | 8877.78 | 544.44 | 8333.33 | 225000.00 |
| 34 | 2028-01 | 8858.33 | 525.00 | 8333.33 | 216666.67 |
| 35 | 2028-02 | 8838.89 | 505.56 | 8333.33 | 208333.33 |
| 36 | 2028-03 | 8819.44 | 486.11 | 8333.33 | 200000.00 |
| 37 | 2028-04 | 8800.00 | 466.67 | 8333.33 | 191666.67 |
| 38 | 2028-05 | 8780.56 | 447.22 | 8333.33 | 183333.33 |
| 39 | 2028-06 | 8761.11 | 427.78 | 8333.33 | 175000.00 |
| 40 | 2028-07 | 8741.67 | 408.33 | 8333.33 | 166666.67 |
| 41 | 2028-08 | 8722.22 | 388.89 | 8333.33 | 158333.33 |
| 42 | 2028-09 | 8702.78 | 369.44 | 8333.33 | 150000.00 |
| 43 | 2028-10 | 8683.33 | 350.00 | 8333.33 | 141666.67 |
| 44 | 2028-11 | 8663.89 | 330.56 | 8333.33 | 133333.33 |
| 45 | 2028-12 | 8644.44 | 311.11 | 8333.33 | 125000.00 |
| 46 | 2029-01 | 8625.00 | 291.67 | 8333.33 | 116666.67 |
| 47 | 2029-02 | 8605.56 | 272.22 | 8333.33 | 108333.33 |
| 48 | 2029-03 | 8586.11 | 252.78 | 8333.33 | 100000.00 |
| 49 | 2029-04 | 8566.67 | 233.33 | 8333.33 | 91666.67 |
| 50 | 2029-05 | 8547.22 | 213.89 | 8333.33 | 83333.33 |
| 51 | 2029-06 | 8527.78 | 194.44 | 8333.33 | 75000.00 |
| 52 | 2029-07 | 8508.33 | 175.00 | 8333.33 | 66666.67 |
| 53 | 2029-08 | 8488.89 | 155.56 | 8333.33 | 58333.33 |
| 54 | 2029-09 | 8469.44 | 136.11 | 8333.33 | 50000.00 |
| 55 | 2029-10 | 8450.00 | 116.67 | 8333.33 | 41666.67 |
| 56 | 2029-11 | 8430.56 | 97.22 | 8333.33 | 33333.33 |
| 57 | 2029-12 | 8411.11 | 77.78 | 8333.33 | 25000.00 |
| 58 | 2030-01 | 8391.67 | 58.33 | 8333.33 | 16666.67 |
| 59 | 2030-02 | 8372.22 | 38.89 | 8333.33 | 8333.33 |
| 60 | 2030-03 | 8352.78 | 19.44 | 8333.33 | 0.00 |