北京贷款80万（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：80万
还款月数：5年
每月还款：14057.23元
利息总额：4.34万
本息合计：84.34万
| 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 | 14057.23 | 1400.00 | 12657.23 | 787342.77 |
| 2 | 2025-06 | 14057.23 | 1377.85 | 12679.38 | 774663.38 |
| 3 | 2025-07 | 14057.23 | 1355.66 | 12701.57 | 761961.81 |
| 4 | 2025-08 | 14057.23 | 1333.43 | 12723.80 | 749238.01 |
| 5 | 2025-09 | 14057.23 | 1311.17 | 12746.07 | 736491.94 |
| 6 | 2025-10 | 14057.23 | 1288.86 | 12768.37 | 723723.57 |
| 7 | 2025-11 | 14057.23 | 1266.52 | 12790.72 | 710932.85 |
| 8 | 2025-12 | 14057.23 | 1244.13 | 12813.10 | 698119.75 |
| 9 | 2026-01 | 14057.23 | 1221.71 | 12835.52 | 685284.23 |
| 10 | 2026-02 | 14057.23 | 1199.25 | 12857.99 | 672426.24 |
| 11 | 2026-03 | 14057.23 | 1176.75 | 12880.49 | 659545.75 |
| 12 | 2026-04 | 14057.23 | 1154.21 | 12903.03 | 646642.72 |
| 13 | 2026-05 | 14057.23 | 1131.62 | 12925.61 | 633717.12 |
| 14 | 2026-06 | 14057.23 | 1109.00 | 12948.23 | 620768.89 |
| 15 | 2026-07 | 14057.23 | 1086.35 | 12970.89 | 607798.00 |
| 16 | 2026-08 | 14057.23 | 1063.65 | 12993.59 | 594804.41 |
| 17 | 2026-09 | 14057.23 | 1040.91 | 13016.33 | 581788.09 |
| 18 | 2026-10 | 14057.23 | 1018.13 | 13039.10 | 568748.98 |
| 19 | 2026-11 | 14057.23 | 995.31 | 13061.92 | 555687.06 |
| 20 | 2026-12 | 14057.23 | 972.45 | 13084.78 | 542602.28 |
| 21 | 2027-01 | 14057.23 | 949.55 | 13107.68 | 529494.60 |
| 22 | 2027-02 | 14057.23 | 926.62 | 13130.62 | 516363.98 |
| 23 | 2027-03 | 14057.23 | 903.64 | 13153.60 | 503210.38 |
| 24 | 2027-04 | 14057.23 | 880.62 | 13176.62 | 490033.77 |
| 25 | 2027-05 | 14057.23 | 857.56 | 13199.67 | 476834.09 |
| 26 | 2027-06 | 14057.23 | 834.46 | 13222.77 | 463611.32 |
| 27 | 2027-07 | 14057.23 | 811.32 | 13245.91 | 450365.40 |
| 28 | 2027-08 | 14057.23 | 788.14 | 13269.09 | 437096.31 |
| 29 | 2027-09 | 14057.23 | 764.92 | 13292.32 | 423804.00 |
| 30 | 2027-10 | 14057.23 | 741.66 | 13315.58 | 410488.42 |
| 31 | 2027-11 | 14057.23 | 718.35 | 13338.88 | 397149.54 |
| 32 | 2027-12 | 14057.23 | 695.01 | 13362.22 | 383787.32 |
| 33 | 2028-01 | 14057.23 | 671.63 | 13385.61 | 370401.71 |
| 34 | 2028-02 | 14057.23 | 648.20 | 13409.03 | 356992.68 |
| 35 | 2028-03 | 14057.23 | 624.74 | 13432.50 | 343560.18 |
| 36 | 2028-04 | 14057.23 | 601.23 | 13456.00 | 330104.18 |
| 37 | 2028-05 | 14057.23 | 577.68 | 13479.55 | 316624.63 |
| 38 | 2028-06 | 14057.23 | 554.09 | 13503.14 | 303121.49 |
| 39 | 2028-07 | 14057.23 | 530.46 | 13526.77 | 289594.72 |
| 40 | 2028-08 | 14057.23 | 506.79 | 13550.44 | 276044.28 |
| 41 | 2028-09 | 14057.23 | 483.08 | 13574.16 | 262470.12 |
| 42 | 2028-10 | 14057.23 | 459.32 | 13597.91 | 248872.21 |
| 43 | 2028-11 | 14057.23 | 435.53 | 13621.71 | 235250.50 |
| 44 | 2028-12 | 14057.23 | 411.69 | 13645.55 | 221604.96 |
| 45 | 2029-01 | 14057.23 | 387.81 | 13669.42 | 207935.53 |
| 46 | 2029-02 | 14057.23 | 363.89 | 13693.35 | 194242.18 |
| 47 | 2029-03 | 14057.23 | 339.92 | 13717.31 | 180524.87 |
| 48 | 2029-04 | 14057.23 | 315.92 | 13741.32 | 166783.56 |
| 49 | 2029-05 | 14057.23 | 291.87 | 13765.36 | 153018.20 |
| 50 | 2029-06 | 14057.23 | 267.78 | 13789.45 | 139228.75 |
| 51 | 2029-07 | 14057.23 | 243.65 | 13813.58 | 125415.16 |
| 52 | 2029-08 | 14057.23 | 219.48 | 13837.76 | 111577.40 |
| 53 | 2029-09 | 14057.23 | 195.26 | 13861.97 | 97715.43 |
| 54 | 2029-10 | 14057.23 | 171.00 | 13886.23 | 83829.20 |
| 55 | 2029-11 | 14057.23 | 146.70 | 13910.53 | 69918.67 |
| 56 | 2029-12 | 14057.23 | 122.36 | 13934.88 | 55983.79 |
| 57 | 2030-01 | 14057.23 | 97.97 | 13959.26 | 42024.53 |
| 58 | 2030-02 | 14057.23 | 73.54 | 13983.69 | 28040.84 |
| 59 | 2030-03 | 14057.23 | 49.07 | 14008.16 | 14032.68 |
| 60 | 2030-04 | 14057.23 | 24.56 | 14032.68 | 0.00 |
等额本金还款方式：
贷款总额：80万
还款月数：5年
首月还款：14733.33元
每月递减：23.33元
利息总额：4.27万
本息合计：84.27万
节省利息：734.02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 | 14733.33 | 1400.00 | 13333.33 | 786666.67 |
| 2 | 2025-06 | 14710.00 | 1376.67 | 13333.33 | 773333.33 |
| 3 | 2025-07 | 14686.67 | 1353.33 | 13333.33 | 760000.00 |
| 4 | 2025-08 | 14663.33 | 1330.00 | 13333.33 | 746666.67 |
| 5 | 2025-09 | 14640.00 | 1306.67 | 13333.33 | 733333.33 |
| 6 | 2025-10 | 14616.67 | 1283.33 | 13333.33 | 720000.00 |
| 7 | 2025-11 | 14593.33 | 1260.00 | 13333.33 | 706666.67 |
| 8 | 2025-12 | 14570.00 | 1236.67 | 13333.33 | 693333.33 |
| 9 | 2026-01 | 14546.67 | 1213.33 | 13333.33 | 680000.00 |
| 10 | 2026-02 | 14523.33 | 1190.00 | 13333.33 | 666666.67 |
| 11 | 2026-03 | 14500.00 | 1166.67 | 13333.33 | 653333.33 |
| 12 | 2026-04 | 14476.67 | 1143.33 | 13333.33 | 640000.00 |
| 13 | 2026-05 | 14453.33 | 1120.00 | 13333.33 | 626666.67 |
| 14 | 2026-06 | 14430.00 | 1096.67 | 13333.33 | 613333.33 |
| 15 | 2026-07 | 14406.67 | 1073.33 | 13333.33 | 600000.00 |
| 16 | 2026-08 | 14383.33 | 1050.00 | 13333.33 | 586666.67 |
| 17 | 2026-09 | 14360.00 | 1026.67 | 13333.33 | 573333.33 |
| 18 | 2026-10 | 14336.67 | 1003.33 | 13333.33 | 560000.00 |
| 19 | 2026-11 | 14313.33 | 980.00 | 13333.33 | 546666.67 |
| 20 | 2026-12 | 14290.00 | 956.67 | 13333.33 | 533333.33 |
| 21 | 2027-01 | 14266.67 | 933.33 | 13333.33 | 520000.00 |
| 22 | 2027-02 | 14243.33 | 910.00 | 13333.33 | 506666.67 |
| 23 | 2027-03 | 14220.00 | 886.67 | 13333.33 | 493333.33 |
| 24 | 2027-04 | 14196.67 | 863.33 | 13333.33 | 480000.00 |
| 25 | 2027-05 | 14173.33 | 840.00 | 13333.33 | 466666.67 |
| 26 | 2027-06 | 14150.00 | 816.67 | 13333.33 | 453333.33 |
| 27 | 2027-07 | 14126.67 | 793.33 | 13333.33 | 440000.00 |
| 28 | 2027-08 | 14103.33 | 770.00 | 13333.33 | 426666.67 |
| 29 | 2027-09 | 14080.00 | 746.67 | 13333.33 | 413333.33 |
| 30 | 2027-10 | 14056.67 | 723.33 | 13333.33 | 400000.00 |
| 31 | 2027-11 | 14033.33 | 700.00 | 13333.33 | 386666.67 |
| 32 | 2027-12 | 14010.00 | 676.67 | 13333.33 | 373333.33 |
| 33 | 2028-01 | 13986.67 | 653.33 | 13333.33 | 360000.00 |
| 34 | 2028-02 | 13963.33 | 630.00 | 13333.33 | 346666.67 |
| 35 | 2028-03 | 13940.00 | 606.67 | 13333.33 | 333333.33 |
| 36 | 2028-04 | 13916.67 | 583.33 | 13333.33 | 320000.00 |
| 37 | 2028-05 | 13893.33 | 560.00 | 13333.33 | 306666.67 |
| 38 | 2028-06 | 13870.00 | 536.67 | 13333.33 | 293333.33 |
| 39 | 2028-07 | 13846.67 | 513.33 | 13333.33 | 280000.00 |
| 40 | 2028-08 | 13823.33 | 490.00 | 13333.33 | 266666.67 |
| 41 | 2028-09 | 13800.00 | 466.67 | 13333.33 | 253333.33 |
| 42 | 2028-10 | 13776.67 | 443.33 | 13333.33 | 240000.00 |
| 43 | 2028-11 | 13753.33 | 420.00 | 13333.33 | 226666.67 |
| 44 | 2028-12 | 13730.00 | 396.67 | 13333.33 | 213333.33 |
| 45 | 2029-01 | 13706.67 | 373.33 | 13333.33 | 200000.00 |
| 46 | 2029-02 | 13683.33 | 350.00 | 13333.33 | 186666.67 |
| 47 | 2029-03 | 13660.00 | 326.67 | 13333.33 | 173333.33 |
| 48 | 2029-04 | 13636.67 | 303.33 | 13333.33 | 160000.00 |
| 49 | 2029-05 | 13613.33 | 280.00 | 13333.33 | 146666.67 |
| 50 | 2029-06 | 13590.00 | 256.67 | 13333.33 | 133333.33 |
| 51 | 2029-07 | 13566.67 | 233.33 | 13333.33 | 120000.00 |
| 52 | 2029-08 | 13543.33 | 210.00 | 13333.33 | 106666.67 |
| 53 | 2029-09 | 13520.00 | 186.67 | 13333.33 | 93333.33 |
| 54 | 2029-10 | 13496.67 | 163.33 | 13333.33 | 80000.00 |
| 55 | 2029-11 | 13473.33 | 140.00 | 13333.33 | 66666.67 |
| 56 | 2029-12 | 13450.00 | 116.67 | 13333.33 | 53333.33 |
| 57 | 2030-01 | 13426.67 | 93.33 | 13333.33 | 40000.00 |
| 58 | 2030-02 | 13403.33 | 70.00 | 13333.33 | 26666.67 |
| 59 | 2030-03 | 13380.00 | 46.67 | 13333.33 | 13333.33 |
| 60 | 2030-04 | 13356.67 | 23.33 | 13333.33 | 0.00 |