宜春贷款12万（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：12万
还款月数：5年
每月还款：2169.6元
利息总额：1.02万
本息合计：13.02万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 2169.60 | 325.00 | 1844.60 | 118155.40 |
| 2 | 2025-06 | 2169.60 | 320.00 | 1849.60 | 116305.80 |
| 3 | 2025-07 | 2169.60 | 314.99 | 1854.61 | 114451.20 |
| 4 | 2025-08 | 2169.60 | 309.97 | 1859.63 | 112591.57 |
| 5 | 2025-09 | 2169.60 | 304.94 | 1864.66 | 110726.91 |
| 6 | 2025-10 | 2169.60 | 299.89 | 1869.71 | 108857.19 |
| 7 | 2025-11 | 2169.60 | 294.82 | 1874.78 | 106982.41 |
| 8 | 2025-12 | 2169.60 | 289.74 | 1879.86 | 105102.56 |
| 9 | 2026-01 | 2169.60 | 284.65 | 1884.95 | 103217.61 |
| 10 | 2026-02 | 2169.60 | 279.55 | 1890.05 | 101327.56 |
| 11 | 2026-03 | 2169.60 | 274.43 | 1895.17 | 99432.38 |
| 12 | 2026-04 | 2169.60 | 269.30 | 1900.30 | 97532.08 |
| 13 | 2026-05 | 2169.60 | 264.15 | 1905.45 | 95626.63 |
| 14 | 2026-06 | 2169.60 | 258.99 | 1910.61 | 93716.02 |
| 15 | 2026-07 | 2169.60 | 253.81 | 1915.79 | 91800.23 |
| 16 | 2026-08 | 2169.60 | 248.63 | 1920.97 | 89879.26 |
| 17 | 2026-09 | 2169.60 | 243.42 | 1926.18 | 87953.08 |
| 18 | 2026-10 | 2169.60 | 238.21 | 1931.39 | 86021.69 |
| 19 | 2026-11 | 2169.60 | 232.98 | 1936.62 | 84085.06 |
| 20 | 2026-12 | 2169.60 | 227.73 | 1941.87 | 82143.19 |
| 21 | 2027-01 | 2169.60 | 222.47 | 1947.13 | 80196.06 |
| 22 | 2027-02 | 2169.60 | 217.20 | 1952.40 | 78243.66 |
| 23 | 2027-03 | 2169.60 | 211.91 | 1957.69 | 76285.97 |
| 24 | 2027-04 | 2169.60 | 206.61 | 1962.99 | 74322.98 |
| 25 | 2027-05 | 2169.60 | 201.29 | 1968.31 | 72354.67 |
| 26 | 2027-06 | 2169.60 | 195.96 | 1973.64 | 70381.03 |
| 27 | 2027-07 | 2169.60 | 190.62 | 1978.98 | 68402.04 |
| 28 | 2027-08 | 2169.60 | 185.26 | 1984.34 | 66417.70 |
| 29 | 2027-09 | 2169.60 | 179.88 | 1989.72 | 64427.98 |
| 30 | 2027-10 | 2169.60 | 174.49 | 1995.11 | 62432.87 |
| 31 | 2027-11 | 2169.60 | 169.09 | 2000.51 | 60432.36 |
| 32 | 2027-12 | 2169.60 | 163.67 | 2005.93 | 58426.43 |
| 33 | 2028-01 | 2169.60 | 158.24 | 2011.36 | 56415.07 |
| 34 | 2028-02 | 2169.60 | 152.79 | 2016.81 | 54398.26 |
| 35 | 2028-03 | 2169.60 | 147.33 | 2022.27 | 52375.99 |
| 36 | 2028-04 | 2169.60 | 141.85 | 2027.75 | 50348.24 |
| 37 | 2028-05 | 2169.60 | 136.36 | 2033.24 | 48315.00 |
| 38 | 2028-06 | 2169.60 | 130.85 | 2038.75 | 46276.25 |
| 39 | 2028-07 | 2169.60 | 125.33 | 2044.27 | 44231.98 |
| 40 | 2028-08 | 2169.60 | 119.79 | 2049.81 | 42182.18 |
| 41 | 2028-09 | 2169.60 | 114.24 | 2055.36 | 40126.82 |
| 42 | 2028-10 | 2169.60 | 108.68 | 2060.92 | 38065.90 |
| 43 | 2028-11 | 2169.60 | 103.10 | 2066.51 | 35999.39 |
| 44 | 2028-12 | 2169.60 | 97.50 | 2072.10 | 33927.29 |
| 45 | 2029-01 | 2169.60 | 91.89 | 2077.71 | 31849.58 |
| 46 | 2029-02 | 2169.60 | 86.26 | 2083.34 | 29766.23 |
| 47 | 2029-03 | 2169.60 | 80.62 | 2088.98 | 27677.25 |
| 48 | 2029-04 | 2169.60 | 74.96 | 2094.64 | 25582.61 |
| 49 | 2029-05 | 2169.60 | 69.29 | 2100.31 | 23482.30 |
| 50 | 2029-06 | 2169.60 | 63.60 | 2106.00 | 21376.29 |
| 51 | 2029-07 | 2169.60 | 57.89 | 2111.71 | 19264.59 |
| 52 | 2029-08 | 2169.60 | 52.17 | 2117.43 | 17147.16 |
| 53 | 2029-09 | 2169.60 | 46.44 | 2123.16 | 15024.00 |
| 54 | 2029-10 | 2169.60 | 40.69 | 2128.91 | 12895.09 |
| 55 | 2029-11 | 2169.60 | 34.92 | 2134.68 | 10760.42 |
| 56 | 2029-12 | 2169.60 | 29.14 | 2140.46 | 8619.96 |
| 57 | 2030-01 | 2169.60 | 23.35 | 2146.25 | 6473.70 |
| 58 | 2030-02 | 2169.60 | 17.53 | 2152.07 | 4321.64 |
| 59 | 2030-03 | 2169.60 | 11.70 | 2157.90 | 2163.74 |
| 60 | 2030-04 | 2169.60 | 5.86 | 2163.74 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：5年
首月还款：2325元
每月递减：5.42元
利息总额：9912.5元
本息合计：12.99万
节省利息：263.52元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 2325.00 | 325.00 | 2000.00 | 118000.00 |
| 2 | 2025-06 | 2319.58 | 319.58 | 2000.00 | 116000.00 |
| 3 | 2025-07 | 2314.17 | 314.17 | 2000.00 | 114000.00 |
| 4 | 2025-08 | 2308.75 | 308.75 | 2000.00 | 112000.00 |
| 5 | 2025-09 | 2303.33 | 303.33 | 2000.00 | 110000.00 |
| 6 | 2025-10 | 2297.92 | 297.92 | 2000.00 | 108000.00 |
| 7 | 2025-11 | 2292.50 | 292.50 | 2000.00 | 106000.00 |
| 8 | 2025-12 | 2287.08 | 287.08 | 2000.00 | 104000.00 |
| 9 | 2026-01 | 2281.67 | 281.67 | 2000.00 | 102000.00 |
| 10 | 2026-02 | 2276.25 | 276.25 | 2000.00 | 100000.00 |
| 11 | 2026-03 | 2270.83 | 270.83 | 2000.00 | 98000.00 |
| 12 | 2026-04 | 2265.42 | 265.42 | 2000.00 | 96000.00 |
| 13 | 2026-05 | 2260.00 | 260.00 | 2000.00 | 94000.00 |
| 14 | 2026-06 | 2254.58 | 254.58 | 2000.00 | 92000.00 |
| 15 | 2026-07 | 2249.17 | 249.17 | 2000.00 | 90000.00 |
| 16 | 2026-08 | 2243.75 | 243.75 | 2000.00 | 88000.00 |
| 17 | 2026-09 | 2238.33 | 238.33 | 2000.00 | 86000.00 |
| 18 | 2026-10 | 2232.92 | 232.92 | 2000.00 | 84000.00 |
| 19 | 2026-11 | 2227.50 | 227.50 | 2000.00 | 82000.00 |
| 20 | 2026-12 | 2222.08 | 222.08 | 2000.00 | 80000.00 |
| 21 | 2027-01 | 2216.67 | 216.67 | 2000.00 | 78000.00 |
| 22 | 2027-02 | 2211.25 | 211.25 | 2000.00 | 76000.00 |
| 23 | 2027-03 | 2205.83 | 205.83 | 2000.00 | 74000.00 |
| 24 | 2027-04 | 2200.42 | 200.42 | 2000.00 | 72000.00 |
| 25 | 2027-05 | 2195.00 | 195.00 | 2000.00 | 70000.00 |
| 26 | 2027-06 | 2189.58 | 189.58 | 2000.00 | 68000.00 |
| 27 | 2027-07 | 2184.17 | 184.17 | 2000.00 | 66000.00 |
| 28 | 2027-08 | 2178.75 | 178.75 | 2000.00 | 64000.00 |
| 29 | 2027-09 | 2173.33 | 173.33 | 2000.00 | 62000.00 |
| 30 | 2027-10 | 2167.92 | 167.92 | 2000.00 | 60000.00 |
| 31 | 2027-11 | 2162.50 | 162.50 | 2000.00 | 58000.00 |
| 32 | 2027-12 | 2157.08 | 157.08 | 2000.00 | 56000.00 |
| 33 | 2028-01 | 2151.67 | 151.67 | 2000.00 | 54000.00 |
| 34 | 2028-02 | 2146.25 | 146.25 | 2000.00 | 52000.00 |
| 35 | 2028-03 | 2140.83 | 140.83 | 2000.00 | 50000.00 |
| 36 | 2028-04 | 2135.42 | 135.42 | 2000.00 | 48000.00 |
| 37 | 2028-05 | 2130.00 | 130.00 | 2000.00 | 46000.00 |
| 38 | 2028-06 | 2124.58 | 124.58 | 2000.00 | 44000.00 |
| 39 | 2028-07 | 2119.17 | 119.17 | 2000.00 | 42000.00 |
| 40 | 2028-08 | 2113.75 | 113.75 | 2000.00 | 40000.00 |
| 41 | 2028-09 | 2108.33 | 108.33 | 2000.00 | 38000.00 |
| 42 | 2028-10 | 2102.92 | 102.92 | 2000.00 | 36000.00 |
| 43 | 2028-11 | 2097.50 | 97.50 | 2000.00 | 34000.00 |
| 44 | 2028-12 | 2092.08 | 92.08 | 2000.00 | 32000.00 |
| 45 | 2029-01 | 2086.67 | 86.67 | 2000.00 | 30000.00 |
| 46 | 2029-02 | 2081.25 | 81.25 | 2000.00 | 28000.00 |
| 47 | 2029-03 | 2075.83 | 75.83 | 2000.00 | 26000.00 |
| 48 | 2029-04 | 2070.42 | 70.42 | 2000.00 | 24000.00 |
| 49 | 2029-05 | 2065.00 | 65.00 | 2000.00 | 22000.00 |
| 50 | 2029-06 | 2059.58 | 59.58 | 2000.00 | 20000.00 |
| 51 | 2029-07 | 2054.17 | 54.17 | 2000.00 | 18000.00 |
| 52 | 2029-08 | 2048.75 | 48.75 | 2000.00 | 16000.00 |
| 53 | 2029-09 | 2043.33 | 43.33 | 2000.00 | 14000.00 |
| 54 | 2029-10 | 2037.92 | 37.92 | 2000.00 | 12000.00 |
| 55 | 2029-11 | 2032.50 | 32.50 | 2000.00 | 10000.00 |
| 56 | 2029-12 | 2027.08 | 27.08 | 2000.00 | 8000.00 |
| 57 | 2030-01 | 2021.67 | 21.67 | 2000.00 | 6000.00 |
| 58 | 2030-02 | 2016.25 | 16.25 | 2000.00 | 4000.00 |
| 59 | 2030-03 | 2010.83 | 10.83 | 2000.00 | 2000.00 |
| 60 | 2030-04 | 2005.42 | 5.42 | 2000.00 | 0.00 |