扬州贷款45万（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：45万
还款月数：5年
每月还款：8146.04元
利息总额：3.88万
本息合计：48.88万
| 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 | 8146.04 | 1237.50 | 6908.54 | 443091.46 |
| 2 | 2025-05 | 8146.04 | 1218.50 | 6927.54 | 436163.92 |
| 3 | 2025-06 | 8146.04 | 1199.45 | 6946.59 | 429217.33 |
| 4 | 2025-07 | 8146.04 | 1180.35 | 6965.69 | 422251.63 |
| 5 | 2025-08 | 8146.04 | 1161.19 | 6984.85 | 415266.78 |
| 6 | 2025-09 | 8146.04 | 1141.98 | 7004.06 | 408262.72 |
| 7 | 2025-10 | 8146.04 | 1122.72 | 7023.32 | 401239.40 |
| 8 | 2025-11 | 8146.04 | 1103.41 | 7042.63 | 394196.77 |
| 9 | 2025-12 | 8146.04 | 1084.04 | 7062.00 | 387134.77 |
| 10 | 2026-01 | 8146.04 | 1064.62 | 7081.42 | 380053.34 |
| 11 | 2026-02 | 8146.04 | 1045.15 | 7100.90 | 372952.45 |
| 12 | 2026-03 | 8146.04 | 1025.62 | 7120.42 | 365832.03 |
| 13 | 2026-04 | 8146.04 | 1006.04 | 7140.00 | 358692.02 |
| 14 | 2026-05 | 8146.04 | 986.40 | 7159.64 | 351532.38 |
| 15 | 2026-06 | 8146.04 | 966.71 | 7179.33 | 344353.05 |
| 16 | 2026-07 | 8146.04 | 946.97 | 7199.07 | 337153.98 |
| 17 | 2026-08 | 8146.04 | 927.17 | 7218.87 | 329935.11 |
| 18 | 2026-09 | 8146.04 | 907.32 | 7238.72 | 322696.39 |
| 19 | 2026-10 | 8146.04 | 887.42 | 7258.63 | 315437.77 |
| 20 | 2026-11 | 8146.04 | 867.45 | 7278.59 | 308159.18 |
| 21 | 2026-12 | 8146.04 | 847.44 | 7298.60 | 300860.57 |
| 22 | 2027-01 | 8146.04 | 827.37 | 7318.68 | 293541.90 |
| 23 | 2027-02 | 8146.04 | 807.24 | 7338.80 | 286203.09 |
| 24 | 2027-03 | 8146.04 | 787.06 | 7358.98 | 278844.11 |
| 25 | 2027-04 | 8146.04 | 766.82 | 7379.22 | 271464.89 |
| 26 | 2027-05 | 8146.04 | 746.53 | 7399.51 | 264065.38 |
| 27 | 2027-06 | 8146.04 | 726.18 | 7419.86 | 256645.51 |
| 28 | 2027-07 | 8146.04 | 705.78 | 7440.27 | 249205.25 |
| 29 | 2027-08 | 8146.04 | 685.31 | 7460.73 | 241744.52 |
| 30 | 2027-09 | 8146.04 | 664.80 | 7481.24 | 234263.27 |
| 31 | 2027-10 | 8146.04 | 644.22 | 7501.82 | 226761.45 |
| 32 | 2027-11 | 8146.04 | 623.59 | 7522.45 | 219239.01 |
| 33 | 2027-12 | 8146.04 | 602.91 | 7543.14 | 211695.87 |
| 34 | 2028-01 | 8146.04 | 582.16 | 7563.88 | 204131.99 |
| 35 | 2028-02 | 8146.04 | 561.36 | 7584.68 | 196547.31 |
| 36 | 2028-03 | 8146.04 | 540.51 | 7605.54 | 188941.78 |
| 37 | 2028-04 | 8146.04 | 519.59 | 7626.45 | 181315.32 |
| 38 | 2028-05 | 8146.04 | 498.62 | 7647.43 | 173667.90 |
| 39 | 2028-06 | 8146.04 | 477.59 | 7668.46 | 165999.44 |
| 40 | 2028-07 | 8146.04 | 456.50 | 7689.54 | 158309.90 |
| 41 | 2028-08 | 8146.04 | 435.35 | 7710.69 | 150599.21 |
| 42 | 2028-09 | 8146.04 | 414.15 | 7731.89 | 142867.31 |
| 43 | 2028-10 | 8146.04 | 392.89 | 7753.16 | 135114.16 |
| 44 | 2028-11 | 8146.04 | 371.56 | 7774.48 | 127339.68 |
| 45 | 2028-12 | 8146.04 | 350.18 | 7795.86 | 119543.82 |
| 46 | 2029-01 | 8146.04 | 328.75 | 7817.30 | 111726.52 |
| 47 | 2029-02 | 8146.04 | 307.25 | 7838.79 | 103887.73 |
| 48 | 2029-03 | 8146.04 | 285.69 | 7860.35 | 96027.38 |
| 49 | 2029-04 | 8146.04 | 264.08 | 7881.97 | 88145.41 |
| 50 | 2029-05 | 8146.04 | 242.40 | 7903.64 | 80241.77 |
| 51 | 2029-06 | 8146.04 | 220.66 | 7925.38 | 72316.39 |
| 52 | 2029-07 | 8146.04 | 198.87 | 7947.17 | 64369.22 |
| 53 | 2029-08 | 8146.04 | 177.02 | 7969.03 | 56400.19 |
| 54 | 2029-09 | 8146.04 | 155.10 | 7990.94 | 48409.25 |
| 55 | 2029-10 | 8146.04 | 133.13 | 8012.92 | 40396.33 |
| 56 | 2029-11 | 8146.04 | 111.09 | 8034.95 | 32361.38 |
| 57 | 2029-12 | 8146.04 | 88.99 | 8057.05 | 24304.33 |
| 58 | 2030-01 | 8146.04 | 66.84 | 8079.21 | 16225.13 |
| 59 | 2030-02 | 8146.04 | 44.62 | 8101.42 | 8123.70 |
| 60 | 2030-03 | 8146.04 | 22.34 | 8123.70 | 0.00 |
等额本金还款方式：
贷款总额：45万
还款月数：5年
首月还款：8737.5元
每月递减：20.63元
利息总额：3.77万
本息合计：48.77万
节省利息：1018.79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 | 8737.50 | 1237.50 | 7500.00 | 442500.00 |
| 2 | 2025-05 | 8716.88 | 1216.88 | 7500.00 | 435000.00 |
| 3 | 2025-06 | 8696.25 | 1196.25 | 7500.00 | 427500.00 |
| 4 | 2025-07 | 8675.63 | 1175.63 | 7500.00 | 420000.00 |
| 5 | 2025-08 | 8655.00 | 1155.00 | 7500.00 | 412500.00 |
| 6 | 2025-09 | 8634.38 | 1134.38 | 7500.00 | 405000.00 |
| 7 | 2025-10 | 8613.75 | 1113.75 | 7500.00 | 397500.00 |
| 8 | 2025-11 | 8593.13 | 1093.13 | 7500.00 | 390000.00 |
| 9 | 2025-12 | 8572.50 | 1072.50 | 7500.00 | 382500.00 |
| 10 | 2026-01 | 8551.88 | 1051.88 | 7500.00 | 375000.00 |
| 11 | 2026-02 | 8531.25 | 1031.25 | 7500.00 | 367500.00 |
| 12 | 2026-03 | 8510.63 | 1010.63 | 7500.00 | 360000.00 |
| 13 | 2026-04 | 8490.00 | 990.00 | 7500.00 | 352500.00 |
| 14 | 2026-05 | 8469.38 | 969.38 | 7500.00 | 345000.00 |
| 15 | 2026-06 | 8448.75 | 948.75 | 7500.00 | 337500.00 |
| 16 | 2026-07 | 8428.13 | 928.13 | 7500.00 | 330000.00 |
| 17 | 2026-08 | 8407.50 | 907.50 | 7500.00 | 322500.00 |
| 18 | 2026-09 | 8386.88 | 886.88 | 7500.00 | 315000.00 |
| 19 | 2026-10 | 8366.25 | 866.25 | 7500.00 | 307500.00 |
| 20 | 2026-11 | 8345.63 | 845.63 | 7500.00 | 300000.00 |
| 21 | 2026-12 | 8325.00 | 825.00 | 7500.00 | 292500.00 |
| 22 | 2027-01 | 8304.38 | 804.38 | 7500.00 | 285000.00 |
| 23 | 2027-02 | 8283.75 | 783.75 | 7500.00 | 277500.00 |
| 24 | 2027-03 | 8263.13 | 763.13 | 7500.00 | 270000.00 |
| 25 | 2027-04 | 8242.50 | 742.50 | 7500.00 | 262500.00 |
| 26 | 2027-05 | 8221.88 | 721.88 | 7500.00 | 255000.00 |
| 27 | 2027-06 | 8201.25 | 701.25 | 7500.00 | 247500.00 |
| 28 | 2027-07 | 8180.63 | 680.63 | 7500.00 | 240000.00 |
| 29 | 2027-08 | 8160.00 | 660.00 | 7500.00 | 232500.00 |
| 30 | 2027-09 | 8139.38 | 639.38 | 7500.00 | 225000.00 |
| 31 | 2027-10 | 8118.75 | 618.75 | 7500.00 | 217500.00 |
| 32 | 2027-11 | 8098.13 | 598.13 | 7500.00 | 210000.00 |
| 33 | 2027-12 | 8077.50 | 577.50 | 7500.00 | 202500.00 |
| 34 | 2028-01 | 8056.88 | 556.88 | 7500.00 | 195000.00 |
| 35 | 2028-02 | 8036.25 | 536.25 | 7500.00 | 187500.00 |
| 36 | 2028-03 | 8015.63 | 515.63 | 7500.00 | 180000.00 |
| 37 | 2028-04 | 7995.00 | 495.00 | 7500.00 | 172500.00 |
| 38 | 2028-05 | 7974.38 | 474.38 | 7500.00 | 165000.00 |
| 39 | 2028-06 | 7953.75 | 453.75 | 7500.00 | 157500.00 |
| 40 | 2028-07 | 7933.13 | 433.13 | 7500.00 | 150000.00 |
| 41 | 2028-08 | 7912.50 | 412.50 | 7500.00 | 142500.00 |
| 42 | 2028-09 | 7891.88 | 391.88 | 7500.00 | 135000.00 |
| 43 | 2028-10 | 7871.25 | 371.25 | 7500.00 | 127500.00 |
| 44 | 2028-11 | 7850.63 | 350.63 | 7500.00 | 120000.00 |
| 45 | 2028-12 | 7830.00 | 330.00 | 7500.00 | 112500.00 |
| 46 | 2029-01 | 7809.38 | 309.38 | 7500.00 | 105000.00 |
| 47 | 2029-02 | 7788.75 | 288.75 | 7500.00 | 97500.00 |
| 48 | 2029-03 | 7768.13 | 268.13 | 7500.00 | 90000.00 |
| 49 | 2029-04 | 7747.50 | 247.50 | 7500.00 | 82500.00 |
| 50 | 2029-05 | 7726.88 | 226.88 | 7500.00 | 75000.00 |
| 51 | 2029-06 | 7706.25 | 206.25 | 7500.00 | 67500.00 |
| 52 | 2029-07 | 7685.63 | 185.63 | 7500.00 | 60000.00 |
| 53 | 2029-08 | 7665.00 | 165.00 | 7500.00 | 52500.00 |
| 54 | 2029-09 | 7644.38 | 144.38 | 7500.00 | 45000.00 |
| 55 | 2029-10 | 7623.75 | 123.75 | 7500.00 | 37500.00 |
| 56 | 2029-11 | 7603.13 | 103.13 | 7500.00 | 30000.00 |
| 57 | 2029-12 | 7582.50 | 82.50 | 7500.00 | 22500.00 |
| 58 | 2030-01 | 7561.88 | 61.88 | 7500.00 | 15000.00 |
| 59 | 2030-02 | 7541.25 | 41.25 | 7500.00 | 7500.00 |
| 60 | 2030-03 | 7520.63 | 20.63 | 7500.00 | 0.00 |