贷款77万（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：77万
还款月数：5年
每月还款：13784.63元
利息总额：5.71万
本息合计：82.71万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 13784.63 | 1828.75 | 11955.88 | 758044.12 |
| 2 | 2026-02 | 13784.63 | 1800.35 | 11984.27 | 746059.85 |
| 3 | 2026-03 | 13784.63 | 1771.89 | 12012.73 | 734047.12 |
| 4 | 2026-04 | 13784.63 | 1743.36 | 12041.26 | 722005.86 |
| 5 | 2026-05 | 13784.63 | 1714.76 | 12069.86 | 709936.00 |
| 6 | 2026-06 | 13784.63 | 1686.10 | 12098.53 | 697837.47 |
| 7 | 2026-07 | 13784.63 | 1657.36 | 12127.26 | 685710.21 |
| 8 | 2026-08 | 13784.63 | 1628.56 | 12156.06 | 673554.14 |
| 9 | 2026-09 | 13784.63 | 1599.69 | 12184.93 | 661369.21 |
| 10 | 2026-10 | 13784.63 | 1570.75 | 12213.87 | 649155.34 |
| 11 | 2026-11 | 13784.63 | 1541.74 | 12242.88 | 636912.46 |
| 12 | 2026-12 | 13784.63 | 1512.67 | 12271.96 | 624640.50 |
| 13 | 2027-01 | 13784.63 | 1483.52 | 12301.10 | 612339.39 |
| 14 | 2027-02 | 13784.63 | 1454.31 | 12330.32 | 600009.07 |
| 15 | 2027-03 | 13784.63 | 1425.02 | 12359.60 | 587649.47 |
| 16 | 2027-04 | 13784.63 | 1395.67 | 12388.96 | 575260.51 |
| 17 | 2027-05 | 13784.63 | 1366.24 | 12418.38 | 562842.13 |
| 18 | 2027-06 | 13784.63 | 1336.75 | 12447.88 | 550394.26 |
| 19 | 2027-07 | 13784.63 | 1307.19 | 12477.44 | 537916.82 |
| 20 | 2027-08 | 13784.63 | 1277.55 | 12507.07 | 525409.74 |
| 21 | 2027-09 | 13784.63 | 1247.85 | 12536.78 | 512872.97 |
| 22 | 2027-10 | 13784.63 | 1218.07 | 12566.55 | 500306.42 |
| 23 | 2027-11 | 13784.63 | 1188.23 | 12596.40 | 487710.02 |
| 24 | 2027-12 | 13784.63 | 1158.31 | 12626.31 | 475083.70 |
| 25 | 2028-01 | 13784.63 | 1128.32 | 12656.30 | 462427.40 |
| 26 | 2028-02 | 13784.63 | 1098.27 | 12686.36 | 449741.04 |
| 27 | 2028-03 | 13784.63 | 1068.13 | 12716.49 | 437024.55 |
| 28 | 2028-04 | 13784.63 | 1037.93 | 12746.69 | 424277.86 |
| 29 | 2028-05 | 13784.63 | 1007.66 | 12776.97 | 411500.90 |
| 30 | 2028-06 | 13784.63 | 977.31 | 12807.31 | 398693.58 |
| 31 | 2028-07 | 13784.63 | 946.90 | 12837.73 | 385855.86 |
| 32 | 2028-08 | 13784.63 | 916.41 | 12868.22 | 372987.64 |
| 33 | 2028-09 | 13784.63 | 885.85 | 12898.78 | 360088.86 |
| 34 | 2028-10 | 13784.63 | 855.21 | 12929.41 | 347159.45 |
| 35 | 2028-11 | 13784.63 | 824.50 | 12960.12 | 334199.32 |
| 36 | 2028-12 | 13784.63 | 793.72 | 12990.90 | 321208.42 |
| 37 | 2029-01 | 13784.63 | 762.87 | 13021.76 | 308186.67 |
| 38 | 2029-02 | 13784.63 | 731.94 | 13052.68 | 295133.98 |
| 39 | 2029-03 | 13784.63 | 700.94 | 13083.68 | 282050.30 |
| 40 | 2029-04 | 13784.63 | 669.87 | 13114.76 | 268935.55 |
| 41 | 2029-05 | 13784.63 | 638.72 | 13145.90 | 255789.64 |
| 42 | 2029-06 | 13784.63 | 607.50 | 13177.12 | 242612.52 |
| 43 | 2029-07 | 13784.63 | 576.20 | 13208.42 | 229404.10 |
| 44 | 2029-08 | 13784.63 | 544.83 | 13239.79 | 216164.31 |
| 45 | 2029-09 | 13784.63 | 513.39 | 13271.23 | 202893.07 |
| 46 | 2029-10 | 13784.63 | 481.87 | 13302.75 | 189590.32 |
| 47 | 2029-11 | 13784.63 | 450.28 | 13334.35 | 176255.97 |
| 48 | 2029-12 | 13784.63 | 418.61 | 13366.02 | 162889.95 |
| 49 | 2030-01 | 13784.63 | 386.86 | 13397.76 | 149492.19 |
| 50 | 2030-02 | 13784.63 | 355.04 | 13429.58 | 136062.61 |
| 51 | 2030-03 | 13784.63 | 323.15 | 13461.48 | 122601.13 |
| 52 | 2030-04 | 13784.63 | 291.18 | 13493.45 | 109107.69 |
| 53 | 2030-05 | 13784.63 | 259.13 | 13525.49 | 95582.19 |
| 54 | 2030-06 | 13784.63 | 227.01 | 13557.62 | 82024.57 |
| 55 | 2030-07 | 13784.63 | 194.81 | 13589.82 | 68434.76 |
| 56 | 2030-08 | 13784.63 | 162.53 | 13622.09 | 54812.66 |
| 57 | 2030-09 | 13784.63 | 130.18 | 13654.45 | 41158.22 |
| 58 | 2030-10 | 13784.63 | 97.75 | 13686.87 | 27471.35 |
| 59 | 2030-11 | 13784.63 | 65.24 | 13719.38 | 13751.96 |
| 60 | 2030-12 | 13784.63 | 32.66 | 13751.96 | 0.00 |
等额本金还款方式：
贷款总额：77万
还款月数：5年
首月还款：14662.08元
每月递减：30.48元
利息总额：5.58万
本息合计：82.58万
节省利息：1300.64元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 14662.08 | 1828.75 | 12833.33 | 757166.67 |
| 2 | 2026-02 | 14631.60 | 1798.27 | 12833.33 | 744333.33 |
| 3 | 2026-03 | 14601.13 | 1767.79 | 12833.33 | 731500.00 |
| 4 | 2026-04 | 14570.65 | 1737.31 | 12833.33 | 718666.67 |
| 5 | 2026-05 | 14540.17 | 1706.83 | 12833.33 | 705833.33 |
| 6 | 2026-06 | 14509.69 | 1676.35 | 12833.33 | 693000.00 |
| 7 | 2026-07 | 14479.21 | 1645.88 | 12833.33 | 680166.67 |
| 8 | 2026-08 | 14448.73 | 1615.40 | 12833.33 | 667333.33 |
| 9 | 2026-09 | 14418.25 | 1584.92 | 12833.33 | 654500.00 |
| 10 | 2026-10 | 14387.77 | 1554.44 | 12833.33 | 641666.67 |
| 11 | 2026-11 | 14357.29 | 1523.96 | 12833.33 | 628833.33 |
| 12 | 2026-12 | 14326.81 | 1493.48 | 12833.33 | 616000.00 |
| 13 | 2027-01 | 14296.33 | 1463.00 | 12833.33 | 603166.67 |
| 14 | 2027-02 | 14265.85 | 1432.52 | 12833.33 | 590333.33 |
| 15 | 2027-03 | 14235.38 | 1402.04 | 12833.33 | 577500.00 |
| 16 | 2027-04 | 14204.90 | 1371.56 | 12833.33 | 564666.67 |
| 17 | 2027-05 | 14174.42 | 1341.08 | 12833.33 | 551833.33 |
| 18 | 2027-06 | 14143.94 | 1310.60 | 12833.33 | 539000.00 |
| 19 | 2027-07 | 14113.46 | 1280.13 | 12833.33 | 526166.67 |
| 20 | 2027-08 | 14082.98 | 1249.65 | 12833.33 | 513333.33 |
| 21 | 2027-09 | 14052.50 | 1219.17 | 12833.33 | 500500.00 |
| 22 | 2027-10 | 14022.02 | 1188.69 | 12833.33 | 487666.67 |
| 23 | 2027-11 | 13991.54 | 1158.21 | 12833.33 | 474833.33 |
| 24 | 2027-12 | 13961.06 | 1127.73 | 12833.33 | 462000.00 |
| 25 | 2028-01 | 13930.58 | 1097.25 | 12833.33 | 449166.67 |
| 26 | 2028-02 | 13900.10 | 1066.77 | 12833.33 | 436333.33 |
| 27 | 2028-03 | 13869.63 | 1036.29 | 12833.33 | 423500.00 |
| 28 | 2028-04 | 13839.15 | 1005.81 | 12833.33 | 410666.67 |
| 29 | 2028-05 | 13808.67 | 975.33 | 12833.33 | 397833.33 |
| 30 | 2028-06 | 13778.19 | 944.85 | 12833.33 | 385000.00 |
| 31 | 2028-07 | 13747.71 | 914.38 | 12833.33 | 372166.67 |
| 32 | 2028-08 | 13717.23 | 883.90 | 12833.33 | 359333.33 |
| 33 | 2028-09 | 13686.75 | 853.42 | 12833.33 | 346500.00 |
| 34 | 2028-10 | 13656.27 | 822.94 | 12833.33 | 333666.67 |
| 35 | 2028-11 | 13625.79 | 792.46 | 12833.33 | 320833.33 |
| 36 | 2028-12 | 13595.31 | 761.98 | 12833.33 | 308000.00 |
| 37 | 2029-01 | 13564.83 | 731.50 | 12833.33 | 295166.67 |
| 38 | 2029-02 | 13534.35 | 701.02 | 12833.33 | 282333.33 |
| 39 | 2029-03 | 13503.88 | 670.54 | 12833.33 | 269500.00 |
| 40 | 2029-04 | 13473.40 | 640.06 | 12833.33 | 256666.67 |
| 41 | 2029-05 | 13442.92 | 609.58 | 12833.33 | 243833.33 |
| 42 | 2029-06 | 13412.44 | 579.10 | 12833.33 | 231000.00 |
| 43 | 2029-07 | 13381.96 | 548.63 | 12833.33 | 218166.67 |
| 44 | 2029-08 | 13351.48 | 518.15 | 12833.33 | 205333.33 |
| 45 | 2029-09 | 13321.00 | 487.67 | 12833.33 | 192500.00 |
| 46 | 2029-10 | 13290.52 | 457.19 | 12833.33 | 179666.67 |
| 47 | 2029-11 | 13260.04 | 426.71 | 12833.33 | 166833.33 |
| 48 | 2029-12 | 13229.56 | 396.23 | 12833.33 | 154000.00 |
| 49 | 2030-01 | 13199.08 | 365.75 | 12833.33 | 141166.67 |
| 50 | 2030-02 | 13168.60 | 335.27 | 12833.33 | 128333.33 |
| 51 | 2030-03 | 13138.13 | 304.79 | 12833.33 | 115500.00 |
| 52 | 2030-04 | 13107.65 | 274.31 | 12833.33 | 102666.67 |
| 53 | 2030-05 | 13077.17 | 243.83 | 12833.33 | 89833.33 |
| 54 | 2030-06 | 13046.69 | 213.35 | 12833.33 | 77000.00 |
| 55 | 2030-07 | 13016.21 | 182.88 | 12833.33 | 64166.67 |
| 56 | 2030-08 | 12985.73 | 152.40 | 12833.33 | 51333.33 |
| 57 | 2030-09 | 12955.25 | 121.92 | 12833.33 | 38500.00 |
| 58 | 2030-10 | 12924.77 | 91.44 | 12833.33 | 25666.67 |
| 59 | 2030-11 | 12894.29 | 60.96 | 12833.33 | 12833.33 |
| 60 | 2030-12 | 12863.81 | 30.48 | 12833.33 | 0.00 |