贷款14.75万（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：14.75万
还款月数：5年
每月还款：2666.8元
利息总额：1.25万
本息合计：16万
| 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 | 2666.80 | 399.48 | 2267.32 | 145232.68 |
| 2 | 2025-06 | 2666.80 | 393.34 | 2273.46 | 142959.22 |
| 3 | 2025-07 | 2666.80 | 387.18 | 2279.62 | 140679.60 |
| 4 | 2025-08 | 2666.80 | 381.01 | 2285.79 | 138393.80 |
| 5 | 2025-09 | 2666.80 | 374.82 | 2291.98 | 136101.82 |
| 6 | 2025-10 | 2666.80 | 368.61 | 2298.19 | 133803.63 |
| 7 | 2025-11 | 2666.80 | 362.38 | 2304.42 | 131499.21 |
| 8 | 2025-12 | 2666.80 | 356.14 | 2310.66 | 129188.56 |
| 9 | 2026-01 | 2666.80 | 349.89 | 2316.91 | 126871.64 |
| 10 | 2026-02 | 2666.80 | 343.61 | 2323.19 | 124548.45 |
| 11 | 2026-03 | 2666.80 | 337.32 | 2329.48 | 122218.97 |
| 12 | 2026-04 | 2666.80 | 331.01 | 2335.79 | 119883.18 |
| 13 | 2026-05 | 2666.80 | 324.68 | 2342.12 | 117541.06 |
| 14 | 2026-06 | 2666.80 | 318.34 | 2348.46 | 115192.60 |
| 15 | 2026-07 | 2666.80 | 311.98 | 2354.82 | 112837.78 |
| 16 | 2026-08 | 2666.80 | 305.60 | 2361.20 | 110476.59 |
| 17 | 2026-09 | 2666.80 | 299.21 | 2367.59 | 108108.99 |
| 18 | 2026-10 | 2666.80 | 292.80 | 2374.01 | 105734.99 |
| 19 | 2026-11 | 2666.80 | 286.37 | 2380.43 | 103354.55 |
| 20 | 2026-12 | 2666.80 | 279.92 | 2386.88 | 100967.67 |
| 21 | 2027-01 | 2666.80 | 273.45 | 2393.35 | 98574.33 |
| 22 | 2027-02 | 2666.80 | 266.97 | 2399.83 | 96174.50 |
| 23 | 2027-03 | 2666.80 | 260.47 | 2406.33 | 93768.17 |
| 24 | 2027-04 | 2666.80 | 253.96 | 2412.84 | 91355.32 |
| 25 | 2027-05 | 2666.80 | 247.42 | 2419.38 | 88935.94 |
| 26 | 2027-06 | 2666.80 | 240.87 | 2425.93 | 86510.01 |
| 27 | 2027-07 | 2666.80 | 234.30 | 2432.50 | 84077.51 |
| 28 | 2027-08 | 2666.80 | 227.71 | 2439.09 | 81638.42 |
| 29 | 2027-09 | 2666.80 | 221.10 | 2445.70 | 79192.72 |
| 30 | 2027-10 | 2666.80 | 214.48 | 2452.32 | 76740.40 |
| 31 | 2027-11 | 2666.80 | 207.84 | 2458.96 | 74281.44 |
| 32 | 2027-12 | 2666.80 | 201.18 | 2465.62 | 71815.82 |
| 33 | 2028-01 | 2666.80 | 194.50 | 2472.30 | 69343.52 |
| 34 | 2028-02 | 2666.80 | 187.81 | 2478.99 | 66864.53 |
| 35 | 2028-03 | 2666.80 | 181.09 | 2485.71 | 64378.82 |
| 36 | 2028-04 | 2666.80 | 174.36 | 2492.44 | 61886.38 |
| 37 | 2028-05 | 2666.80 | 167.61 | 2499.19 | 59387.18 |
| 38 | 2028-06 | 2666.80 | 160.84 | 2505.96 | 56881.22 |
| 39 | 2028-07 | 2666.80 | 154.05 | 2512.75 | 54368.48 |
| 40 | 2028-08 | 2666.80 | 147.25 | 2519.55 | 51848.93 |
| 41 | 2028-09 | 2666.80 | 140.42 | 2526.38 | 49322.55 |
| 42 | 2028-10 | 2666.80 | 133.58 | 2533.22 | 46789.33 |
| 43 | 2028-11 | 2666.80 | 126.72 | 2540.08 | 44249.25 |
| 44 | 2028-12 | 2666.80 | 119.84 | 2546.96 | 41702.29 |
| 45 | 2029-01 | 2666.80 | 112.94 | 2553.86 | 39148.44 |
| 46 | 2029-02 | 2666.80 | 106.03 | 2560.77 | 36587.66 |
| 47 | 2029-03 | 2666.80 | 99.09 | 2567.71 | 34019.95 |
| 48 | 2029-04 | 2666.80 | 92.14 | 2574.66 | 31445.29 |
| 49 | 2029-05 | 2666.80 | 85.16 | 2581.64 | 28863.66 |
| 50 | 2029-06 | 2666.80 | 78.17 | 2588.63 | 26275.03 |
| 51 | 2029-07 | 2666.80 | 71.16 | 2595.64 | 23679.39 |
| 52 | 2029-08 | 2666.80 | 64.13 | 2602.67 | 21076.72 |
| 53 | 2029-09 | 2666.80 | 57.08 | 2609.72 | 18467.00 |
| 54 | 2029-10 | 2666.80 | 50.01 | 2616.79 | 15850.22 |
| 55 | 2029-11 | 2666.80 | 42.93 | 2623.87 | 13226.34 |
| 56 | 2029-12 | 2666.80 | 35.82 | 2630.98 | 10595.36 |
| 57 | 2030-01 | 2666.80 | 28.70 | 2638.10 | 7957.26 |
| 58 | 2030-02 | 2666.80 | 21.55 | 2645.25 | 5312.01 |
| 59 | 2030-03 | 2666.80 | 14.39 | 2652.41 | 2659.60 |
| 60 | 2030-04 | 2666.80 | 7.20 | 2659.60 | 0.00 |
等额本金还款方式：
贷款总额：14.75万
还款月数：5年
首月还款：2857.81元
每月递减：6.66元
利息总额：1.22万
本息合计：15.97万
节省利息：323.91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 | 2857.81 | 399.48 | 2458.33 | 145041.67 |
| 2 | 2025-06 | 2851.15 | 392.82 | 2458.33 | 142583.33 |
| 3 | 2025-07 | 2844.50 | 386.16 | 2458.33 | 140125.00 |
| 4 | 2025-08 | 2837.84 | 379.51 | 2458.33 | 137666.67 |
| 5 | 2025-09 | 2831.18 | 372.85 | 2458.33 | 135208.33 |
| 6 | 2025-10 | 2824.52 | 366.19 | 2458.33 | 132750.00 |
| 7 | 2025-11 | 2817.86 | 359.53 | 2458.33 | 130291.67 |
| 8 | 2025-12 | 2811.21 | 352.87 | 2458.33 | 127833.33 |
| 9 | 2026-01 | 2804.55 | 346.22 | 2458.33 | 125375.00 |
| 10 | 2026-02 | 2797.89 | 339.56 | 2458.33 | 122916.67 |
| 11 | 2026-03 | 2791.23 | 332.90 | 2458.33 | 120458.33 |
| 12 | 2026-04 | 2784.57 | 326.24 | 2458.33 | 118000.00 |
| 13 | 2026-05 | 2777.92 | 319.58 | 2458.33 | 115541.67 |
| 14 | 2026-06 | 2771.26 | 312.93 | 2458.33 | 113083.33 |
| 15 | 2026-07 | 2764.60 | 306.27 | 2458.33 | 110625.00 |
| 16 | 2026-08 | 2757.94 | 299.61 | 2458.33 | 108166.67 |
| 17 | 2026-09 | 2751.28 | 292.95 | 2458.33 | 105708.33 |
| 18 | 2026-10 | 2744.63 | 286.29 | 2458.33 | 103250.00 |
| 19 | 2026-11 | 2737.97 | 279.64 | 2458.33 | 100791.67 |
| 20 | 2026-12 | 2731.31 | 272.98 | 2458.33 | 98333.33 |
| 21 | 2027-01 | 2724.65 | 266.32 | 2458.33 | 95875.00 |
| 22 | 2027-02 | 2717.99 | 259.66 | 2458.33 | 93416.67 |
| 23 | 2027-03 | 2711.34 | 253.00 | 2458.33 | 90958.33 |
| 24 | 2027-04 | 2704.68 | 246.35 | 2458.33 | 88500.00 |
| 25 | 2027-05 | 2698.02 | 239.69 | 2458.33 | 86041.67 |
| 26 | 2027-06 | 2691.36 | 233.03 | 2458.33 | 83583.33 |
| 27 | 2027-07 | 2684.70 | 226.37 | 2458.33 | 81125.00 |
| 28 | 2027-08 | 2678.05 | 219.71 | 2458.33 | 78666.67 |
| 29 | 2027-09 | 2671.39 | 213.06 | 2458.33 | 76208.33 |
| 30 | 2027-10 | 2664.73 | 206.40 | 2458.33 | 73750.00 |
| 31 | 2027-11 | 2658.07 | 199.74 | 2458.33 | 71291.67 |
| 32 | 2027-12 | 2651.41 | 193.08 | 2458.33 | 68833.33 |
| 33 | 2028-01 | 2644.76 | 186.42 | 2458.33 | 66375.00 |
| 34 | 2028-02 | 2638.10 | 179.77 | 2458.33 | 63916.67 |
| 35 | 2028-03 | 2631.44 | 173.11 | 2458.33 | 61458.33 |
| 36 | 2028-04 | 2624.78 | 166.45 | 2458.33 | 59000.00 |
| 37 | 2028-05 | 2618.13 | 159.79 | 2458.33 | 56541.67 |
| 38 | 2028-06 | 2611.47 | 153.13 | 2458.33 | 54083.33 |
| 39 | 2028-07 | 2604.81 | 146.48 | 2458.33 | 51625.00 |
| 40 | 2028-08 | 2598.15 | 139.82 | 2458.33 | 49166.67 |
| 41 | 2028-09 | 2591.49 | 133.16 | 2458.33 | 46708.33 |
| 42 | 2028-10 | 2584.84 | 126.50 | 2458.33 | 44250.00 |
| 43 | 2028-11 | 2578.18 | 119.84 | 2458.33 | 41791.67 |
| 44 | 2028-12 | 2571.52 | 113.19 | 2458.33 | 39333.33 |
| 45 | 2029-01 | 2564.86 | 106.53 | 2458.33 | 36875.00 |
| 46 | 2029-02 | 2558.20 | 99.87 | 2458.33 | 34416.67 |
| 47 | 2029-03 | 2551.55 | 93.21 | 2458.33 | 31958.33 |
| 48 | 2029-04 | 2544.89 | 86.55 | 2458.33 | 29500.00 |
| 49 | 2029-05 | 2538.23 | 79.90 | 2458.33 | 27041.67 |
| 50 | 2029-06 | 2531.57 | 73.24 | 2458.33 | 24583.33 |
| 51 | 2029-07 | 2524.91 | 66.58 | 2458.33 | 22125.00 |
| 52 | 2029-08 | 2518.26 | 59.92 | 2458.33 | 19666.67 |
| 53 | 2029-09 | 2511.60 | 53.26 | 2458.33 | 17208.33 |
| 54 | 2029-10 | 2504.94 | 46.61 | 2458.33 | 14750.00 |
| 55 | 2029-11 | 2498.28 | 39.95 | 2458.33 | 12291.67 |
| 56 | 2029-12 | 2491.62 | 33.29 | 2458.33 | 9833.33 |
| 57 | 2030-01 | 2484.97 | 26.63 | 2458.33 | 7375.00 |
| 58 | 2030-02 | 2478.31 | 19.97 | 2458.33 | 4916.67 |
| 59 | 2030-03 | 2471.65 | 13.32 | 2458.33 | 2458.33 |
| 60 | 2030-04 | 2464.99 | 6.66 | 2458.33 | 0.00 |