北京贷款120万（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：120万
还款月数：5年
每月还款：21085.85元
利息总额：6.52万
本息合计：126.52万
| 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 | 21085.85 | 2100.00 | 18985.85 | 1181014.15 |
| 2 | 2025-06 | 21085.85 | 2066.77 | 19019.08 | 1161995.07 |
| 3 | 2025-07 | 21085.85 | 2033.49 | 19052.36 | 1142942.71 |
| 4 | 2025-08 | 21085.85 | 2000.15 | 19085.70 | 1123857.01 |
| 5 | 2025-09 | 21085.85 | 1966.75 | 19119.10 | 1104737.91 |
| 6 | 2025-10 | 21085.85 | 1933.29 | 19152.56 | 1085585.35 |
| 7 | 2025-11 | 21085.85 | 1899.77 | 19186.08 | 1066399.28 |
| 8 | 2025-12 | 21085.85 | 1866.20 | 19219.65 | 1047179.63 |
| 9 | 2026-01 | 21085.85 | 1832.56 | 19253.29 | 1027926.34 |
| 10 | 2026-02 | 21085.85 | 1798.87 | 19286.98 | 1008639.36 |
| 11 | 2026-03 | 21085.85 | 1765.12 | 19320.73 | 989318.63 |
| 12 | 2026-04 | 21085.85 | 1731.31 | 19354.54 | 969964.09 |
| 13 | 2026-05 | 21085.85 | 1697.44 | 19388.41 | 950575.67 |
| 14 | 2026-06 | 21085.85 | 1663.51 | 19422.34 | 931153.33 |
| 15 | 2026-07 | 21085.85 | 1629.52 | 19456.33 | 911697.00 |
| 16 | 2026-08 | 21085.85 | 1595.47 | 19490.38 | 892206.62 |
| 17 | 2026-09 | 21085.85 | 1561.36 | 19524.49 | 872682.13 |
| 18 | 2026-10 | 21085.85 | 1527.19 | 19558.66 | 853123.47 |
| 19 | 2026-11 | 21085.85 | 1492.97 | 19592.88 | 833530.59 |
| 20 | 2026-12 | 21085.85 | 1458.68 | 19627.17 | 813903.42 |
| 21 | 2027-01 | 21085.85 | 1424.33 | 19661.52 | 794241.90 |
| 22 | 2027-02 | 21085.85 | 1389.92 | 19695.93 | 774545.97 |
| 23 | 2027-03 | 21085.85 | 1355.46 | 19730.40 | 754815.57 |
| 24 | 2027-04 | 21085.85 | 1320.93 | 19764.92 | 735050.65 |
| 25 | 2027-05 | 21085.85 | 1286.34 | 19799.51 | 715251.14 |
| 26 | 2027-06 | 21085.85 | 1251.69 | 19834.16 | 695416.98 |
| 27 | 2027-07 | 21085.85 | 1216.98 | 19868.87 | 675548.11 |
| 28 | 2027-08 | 21085.85 | 1182.21 | 19903.64 | 655644.47 |
| 29 | 2027-09 | 21085.85 | 1147.38 | 19938.47 | 635705.99 |
| 30 | 2027-10 | 21085.85 | 1112.49 | 19973.36 | 615732.63 |
| 31 | 2027-11 | 21085.85 | 1077.53 | 20008.32 | 595724.31 |
| 32 | 2027-12 | 21085.85 | 1042.52 | 20043.33 | 575680.98 |
| 33 | 2028-01 | 21085.85 | 1007.44 | 20078.41 | 555602.57 |
| 34 | 2028-02 | 21085.85 | 972.30 | 20113.55 | 535489.02 |
| 35 | 2028-03 | 21085.85 | 937.11 | 20148.74 | 515340.28 |
| 36 | 2028-04 | 21085.85 | 901.85 | 20184.00 | 495156.27 |
| 37 | 2028-05 | 21085.85 | 866.52 | 20219.33 | 474936.94 |
| 38 | 2028-06 | 21085.85 | 831.14 | 20254.71 | 454682.23 |
| 39 | 2028-07 | 21085.85 | 795.69 | 20290.16 | 434392.08 |
| 40 | 2028-08 | 21085.85 | 760.19 | 20325.66 | 414066.41 |
| 41 | 2028-09 | 21085.85 | 724.62 | 20361.23 | 393705.18 |
| 42 | 2028-10 | 21085.85 | 688.98 | 20396.87 | 373308.31 |
| 43 | 2028-11 | 21085.85 | 653.29 | 20432.56 | 352875.75 |
| 44 | 2028-12 | 21085.85 | 617.53 | 20468.32 | 332407.43 |
| 45 | 2029-01 | 21085.85 | 581.71 | 20504.14 | 311903.30 |
| 46 | 2029-02 | 21085.85 | 545.83 | 20540.02 | 291363.28 |
| 47 | 2029-03 | 21085.85 | 509.89 | 20575.96 | 270787.31 |
| 48 | 2029-04 | 21085.85 | 473.88 | 20611.97 | 250175.34 |
| 49 | 2029-05 | 21085.85 | 437.81 | 20648.04 | 229527.30 |
| 50 | 2029-06 | 21085.85 | 401.67 | 20684.18 | 208843.12 |
| 51 | 2029-07 | 21085.85 | 365.48 | 20720.38 | 188122.74 |
| 52 | 2029-08 | 21085.85 | 329.21 | 20756.64 | 167366.11 |
| 53 | 2029-09 | 21085.85 | 292.89 | 20792.96 | 146573.15 |
| 54 | 2029-10 | 21085.85 | 256.50 | 20829.35 | 125743.80 |
| 55 | 2029-11 | 21085.85 | 220.05 | 20865.80 | 104878.00 |
| 56 | 2029-12 | 21085.85 | 183.54 | 20902.31 | 83975.69 |
| 57 | 2030-01 | 21085.85 | 146.96 | 20938.89 | 63036.79 |
| 58 | 2030-02 | 21085.85 | 110.31 | 20975.54 | 42061.26 |
| 59 | 2030-03 | 21085.85 | 73.61 | 21012.24 | 21049.01 |
| 60 | 2030-04 | 21085.85 | 36.84 | 21049.01 | 0.00 |
等额本金还款方式：
贷款总额：120万
还款月数：5年
首月还款：22100元
每月递减：35元
利息总额：6.41万
本息合计：126.41万
节省利息：1101.03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 | 22100.00 | 2100.00 | 20000.00 | 1180000.00 |
| 2 | 2025-06 | 22065.00 | 2065.00 | 20000.00 | 1160000.00 |
| 3 | 2025-07 | 22030.00 | 2030.00 | 20000.00 | 1140000.00 |
| 4 | 2025-08 | 21995.00 | 1995.00 | 20000.00 | 1120000.00 |
| 5 | 2025-09 | 21960.00 | 1960.00 | 20000.00 | 1100000.00 |
| 6 | 2025-10 | 21925.00 | 1925.00 | 20000.00 | 1080000.00 |
| 7 | 2025-11 | 21890.00 | 1890.00 | 20000.00 | 1060000.00 |
| 8 | 2025-12 | 21855.00 | 1855.00 | 20000.00 | 1040000.00 |
| 9 | 2026-01 | 21820.00 | 1820.00 | 20000.00 | 1020000.00 |
| 10 | 2026-02 | 21785.00 | 1785.00 | 20000.00 | 1000000.00 |
| 11 | 2026-03 | 21750.00 | 1750.00 | 20000.00 | 980000.00 |
| 12 | 2026-04 | 21715.00 | 1715.00 | 20000.00 | 960000.00 |
| 13 | 2026-05 | 21680.00 | 1680.00 | 20000.00 | 940000.00 |
| 14 | 2026-06 | 21645.00 | 1645.00 | 20000.00 | 920000.00 |
| 15 | 2026-07 | 21610.00 | 1610.00 | 20000.00 | 900000.00 |
| 16 | 2026-08 | 21575.00 | 1575.00 | 20000.00 | 880000.00 |
| 17 | 2026-09 | 21540.00 | 1540.00 | 20000.00 | 860000.00 |
| 18 | 2026-10 | 21505.00 | 1505.00 | 20000.00 | 840000.00 |
| 19 | 2026-11 | 21470.00 | 1470.00 | 20000.00 | 820000.00 |
| 20 | 2026-12 | 21435.00 | 1435.00 | 20000.00 | 800000.00 |
| 21 | 2027-01 | 21400.00 | 1400.00 | 20000.00 | 780000.00 |
| 22 | 2027-02 | 21365.00 | 1365.00 | 20000.00 | 760000.00 |
| 23 | 2027-03 | 21330.00 | 1330.00 | 20000.00 | 740000.00 |
| 24 | 2027-04 | 21295.00 | 1295.00 | 20000.00 | 720000.00 |
| 25 | 2027-05 | 21260.00 | 1260.00 | 20000.00 | 700000.00 |
| 26 | 2027-06 | 21225.00 | 1225.00 | 20000.00 | 680000.00 |
| 27 | 2027-07 | 21190.00 | 1190.00 | 20000.00 | 660000.00 |
| 28 | 2027-08 | 21155.00 | 1155.00 | 20000.00 | 640000.00 |
| 29 | 2027-09 | 21120.00 | 1120.00 | 20000.00 | 620000.00 |
| 30 | 2027-10 | 21085.00 | 1085.00 | 20000.00 | 600000.00 |
| 31 | 2027-11 | 21050.00 | 1050.00 | 20000.00 | 580000.00 |
| 32 | 2027-12 | 21015.00 | 1015.00 | 20000.00 | 560000.00 |
| 33 | 2028-01 | 20980.00 | 980.00 | 20000.00 | 540000.00 |
| 34 | 2028-02 | 20945.00 | 945.00 | 20000.00 | 520000.00 |
| 35 | 2028-03 | 20910.00 | 910.00 | 20000.00 | 500000.00 |
| 36 | 2028-04 | 20875.00 | 875.00 | 20000.00 | 480000.00 |
| 37 | 2028-05 | 20840.00 | 840.00 | 20000.00 | 460000.00 |
| 38 | 2028-06 | 20805.00 | 805.00 | 20000.00 | 440000.00 |
| 39 | 2028-07 | 20770.00 | 770.00 | 20000.00 | 420000.00 |
| 40 | 2028-08 | 20735.00 | 735.00 | 20000.00 | 400000.00 |
| 41 | 2028-09 | 20700.00 | 700.00 | 20000.00 | 380000.00 |
| 42 | 2028-10 | 20665.00 | 665.00 | 20000.00 | 360000.00 |
| 43 | 2028-11 | 20630.00 | 630.00 | 20000.00 | 340000.00 |
| 44 | 2028-12 | 20595.00 | 595.00 | 20000.00 | 320000.00 |
| 45 | 2029-01 | 20560.00 | 560.00 | 20000.00 | 300000.00 |
| 46 | 2029-02 | 20525.00 | 525.00 | 20000.00 | 280000.00 |
| 47 | 2029-03 | 20490.00 | 490.00 | 20000.00 | 260000.00 |
| 48 | 2029-04 | 20455.00 | 455.00 | 20000.00 | 240000.00 |
| 49 | 2029-05 | 20420.00 | 420.00 | 20000.00 | 220000.00 |
| 50 | 2029-06 | 20385.00 | 385.00 | 20000.00 | 200000.00 |
| 51 | 2029-07 | 20350.00 | 350.00 | 20000.00 | 180000.00 |
| 52 | 2029-08 | 20315.00 | 315.00 | 20000.00 | 160000.00 |
| 53 | 2029-09 | 20280.00 | 280.00 | 20000.00 | 140000.00 |
| 54 | 2029-10 | 20245.00 | 245.00 | 20000.00 | 120000.00 |
| 55 | 2029-11 | 20210.00 | 210.00 | 20000.00 | 100000.00 |
| 56 | 2029-12 | 20175.00 | 175.00 | 20000.00 | 80000.00 |
| 57 | 2030-01 | 20140.00 | 140.00 | 20000.00 | 60000.00 |
| 58 | 2030-02 | 20105.00 | 105.00 | 20000.00 | 40000.00 |
| 59 | 2030-03 | 20070.00 | 70.00 | 20000.00 | 20000.00 |
| 60 | 2030-04 | 20035.00 | 35.00 | 20000.00 | 0.00 |