深圳贷款45万（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：45万
还款月数：5年
每月还款：7991.27元
利息总额：2.95万
本息合计：47.95万
| 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 | 7991.27 | 946.87 | 7044.40 | 442955.60 |
| 2 | 2025-06 | 7991.27 | 932.05 | 7059.22 | 435896.38 |
| 3 | 2025-07 | 7991.27 | 917.20 | 7074.08 | 428822.30 |
| 4 | 2025-08 | 7991.27 | 902.31 | 7088.96 | 421733.34 |
| 5 | 2025-09 | 7991.27 | 887.40 | 7103.88 | 414629.47 |
| 6 | 2025-10 | 7991.27 | 872.45 | 7118.82 | 407510.64 |
| 7 | 2025-11 | 7991.27 | 857.47 | 7133.80 | 400376.84 |
| 8 | 2025-12 | 7991.27 | 842.46 | 7148.81 | 393228.02 |
| 9 | 2026-01 | 7991.27 | 827.42 | 7163.86 | 386064.17 |
| 10 | 2026-02 | 7991.27 | 812.34 | 7178.93 | 378885.24 |
| 11 | 2026-03 | 7991.27 | 797.24 | 7194.04 | 371691.20 |
| 12 | 2026-04 | 7991.27 | 782.10 | 7209.17 | 364482.02 |
| 13 | 2026-05 | 7991.27 | 766.93 | 7224.34 | 357257.68 |
| 14 | 2026-06 | 7991.27 | 751.73 | 7239.54 | 350018.14 |
| 15 | 2026-07 | 7991.27 | 736.50 | 7254.78 | 342763.36 |
| 16 | 2026-08 | 7991.27 | 721.23 | 7270.04 | 335493.32 |
| 17 | 2026-09 | 7991.27 | 705.93 | 7285.34 | 328207.98 |
| 18 | 2026-10 | 7991.27 | 690.60 | 7300.67 | 320907.31 |
| 19 | 2026-11 | 7991.27 | 675.24 | 7316.03 | 313591.27 |
| 20 | 2026-12 | 7991.27 | 659.85 | 7331.43 | 306259.85 |
| 21 | 2027-01 | 7991.27 | 644.42 | 7346.85 | 298913.00 |
| 22 | 2027-02 | 7991.27 | 628.96 | 7362.31 | 291550.68 |
| 23 | 2027-03 | 7991.27 | 613.47 | 7377.80 | 284172.88 |
| 24 | 2027-04 | 7991.27 | 597.95 | 7393.33 | 276779.55 |
| 25 | 2027-05 | 7991.27 | 582.39 | 7408.88 | 269370.67 |
| 26 | 2027-06 | 7991.27 | 566.80 | 7424.47 | 261946.20 |
| 27 | 2027-07 | 7991.27 | 551.18 | 7440.10 | 254506.10 |
| 28 | 2027-08 | 7991.27 | 535.52 | 7455.75 | 247050.35 |
| 29 | 2027-09 | 7991.27 | 519.84 | 7471.44 | 239578.91 |
| 30 | 2027-10 | 7991.27 | 504.11 | 7487.16 | 232091.75 |
| 31 | 2027-11 | 7991.27 | 488.36 | 7502.91 | 224588.84 |
| 32 | 2027-12 | 7991.27 | 472.57 | 7518.70 | 217070.14 |
| 33 | 2028-01 | 7991.27 | 456.75 | 7534.52 | 209535.61 |
| 34 | 2028-02 | 7991.27 | 440.90 | 7550.38 | 201985.24 |
| 35 | 2028-03 | 7991.27 | 425.01 | 7566.26 | 194418.97 |
| 36 | 2028-04 | 7991.27 | 409.09 | 7582.18 | 186836.79 |
| 37 | 2028-05 | 7991.27 | 393.14 | 7598.14 | 179238.65 |
| 38 | 2028-06 | 7991.27 | 377.15 | 7614.13 | 171624.52 |
| 39 | 2028-07 | 7991.27 | 361.13 | 7630.15 | 163994.38 |
| 40 | 2028-08 | 7991.27 | 345.07 | 7646.20 | 156348.17 |
| 41 | 2028-09 | 7991.27 | 328.98 | 7662.29 | 148685.88 |
| 42 | 2028-10 | 7991.27 | 312.86 | 7678.41 | 141007.47 |
| 43 | 2028-11 | 7991.27 | 296.70 | 7694.57 | 133312.90 |
| 44 | 2028-12 | 7991.27 | 280.51 | 7710.76 | 125602.14 |
| 45 | 2029-01 | 7991.27 | 264.29 | 7726.99 | 117875.15 |
| 46 | 2029-02 | 7991.27 | 248.03 | 7743.25 | 110131.90 |
| 47 | 2029-03 | 7991.27 | 231.74 | 7759.54 | 102372.37 |
| 48 | 2029-04 | 7991.27 | 215.41 | 7775.87 | 94596.50 |
| 49 | 2029-05 | 7991.27 | 199.05 | 7792.23 | 86804.27 |
| 50 | 2029-06 | 7991.27 | 182.65 | 7808.62 | 78995.65 |
| 51 | 2029-07 | 7991.27 | 166.22 | 7825.05 | 71170.60 |
| 52 | 2029-08 | 7991.27 | 149.75 | 7841.52 | 63329.08 |
| 53 | 2029-09 | 7991.27 | 133.25 | 7858.02 | 55471.06 |
| 54 | 2029-10 | 7991.27 | 116.72 | 7874.55 | 47596.50 |
| 55 | 2029-11 | 7991.27 | 100.15 | 7891.12 | 39705.38 |
| 56 | 2029-12 | 7991.27 | 83.55 | 7907.73 | 31797.65 |
| 57 | 2030-01 | 7991.27 | 66.91 | 7924.37 | 23873.29 |
| 58 | 2030-02 | 7991.27 | 50.23 | 7941.04 | 15932.24 |
| 59 | 2030-03 | 7991.27 | 33.52 | 7957.75 | 7974.49 |
| 60 | 2030-04 | 7991.27 | 16.78 | 7974.49 | 0.00 |
等额本金还款方式：
贷款总额：45万
还款月数：5年
首月还款：8446.88元
每月递减：15.78元
利息总额：2.89万
本息合计：47.89万
节省利息：596.76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 | 8446.88 | 946.87 | 7500.00 | 442500.00 |
| 2 | 2025-06 | 8431.09 | 931.09 | 7500.00 | 435000.00 |
| 3 | 2025-07 | 8415.31 | 915.31 | 7500.00 | 427500.00 |
| 4 | 2025-08 | 8399.53 | 899.53 | 7500.00 | 420000.00 |
| 5 | 2025-09 | 8383.75 | 883.75 | 7500.00 | 412500.00 |
| 6 | 2025-10 | 8367.97 | 867.97 | 7500.00 | 405000.00 |
| 7 | 2025-11 | 8352.19 | 852.19 | 7500.00 | 397500.00 |
| 8 | 2025-12 | 8336.41 | 836.41 | 7500.00 | 390000.00 |
| 9 | 2026-01 | 8320.63 | 820.62 | 7500.00 | 382500.00 |
| 10 | 2026-02 | 8304.84 | 804.84 | 7500.00 | 375000.00 |
| 11 | 2026-03 | 8289.06 | 789.06 | 7500.00 | 367500.00 |
| 12 | 2026-04 | 8273.28 | 773.28 | 7500.00 | 360000.00 |
| 13 | 2026-05 | 8257.50 | 757.50 | 7500.00 | 352500.00 |
| 14 | 2026-06 | 8241.72 | 741.72 | 7500.00 | 345000.00 |
| 15 | 2026-07 | 8225.94 | 725.94 | 7500.00 | 337500.00 |
| 16 | 2026-08 | 8210.16 | 710.16 | 7500.00 | 330000.00 |
| 17 | 2026-09 | 8194.38 | 694.38 | 7500.00 | 322500.00 |
| 18 | 2026-10 | 8178.59 | 678.59 | 7500.00 | 315000.00 |
| 19 | 2026-11 | 8162.81 | 662.81 | 7500.00 | 307500.00 |
| 20 | 2026-12 | 8147.03 | 647.03 | 7500.00 | 300000.00 |
| 21 | 2027-01 | 8131.25 | 631.25 | 7500.00 | 292500.00 |
| 22 | 2027-02 | 8115.47 | 615.47 | 7500.00 | 285000.00 |
| 23 | 2027-03 | 8099.69 | 599.69 | 7500.00 | 277500.00 |
| 24 | 2027-04 | 8083.91 | 583.91 | 7500.00 | 270000.00 |
| 25 | 2027-05 | 8068.13 | 568.13 | 7500.00 | 262500.00 |
| 26 | 2027-06 | 8052.34 | 552.34 | 7500.00 | 255000.00 |
| 27 | 2027-07 | 8036.56 | 536.56 | 7500.00 | 247500.00 |
| 28 | 2027-08 | 8020.78 | 520.78 | 7500.00 | 240000.00 |
| 29 | 2027-09 | 8005.00 | 505.00 | 7500.00 | 232500.00 |
| 30 | 2027-10 | 7989.22 | 489.22 | 7500.00 | 225000.00 |
| 31 | 2027-11 | 7973.44 | 473.44 | 7500.00 | 217500.00 |
| 32 | 2027-12 | 7957.66 | 457.66 | 7500.00 | 210000.00 |
| 33 | 2028-01 | 7941.88 | 441.87 | 7500.00 | 202500.00 |
| 34 | 2028-02 | 7926.09 | 426.09 | 7500.00 | 195000.00 |
| 35 | 2028-03 | 7910.31 | 410.31 | 7500.00 | 187500.00 |
| 36 | 2028-04 | 7894.53 | 394.53 | 7500.00 | 180000.00 |
| 37 | 2028-05 | 7878.75 | 378.75 | 7500.00 | 172500.00 |
| 38 | 2028-06 | 7862.97 | 362.97 | 7500.00 | 165000.00 |
| 39 | 2028-07 | 7847.19 | 347.19 | 7500.00 | 157500.00 |
| 40 | 2028-08 | 7831.41 | 331.41 | 7500.00 | 150000.00 |
| 41 | 2028-09 | 7815.63 | 315.63 | 7500.00 | 142500.00 |
| 42 | 2028-10 | 7799.84 | 299.84 | 7500.00 | 135000.00 |
| 43 | 2028-11 | 7784.06 | 284.06 | 7500.00 | 127500.00 |
| 44 | 2028-12 | 7768.28 | 268.28 | 7500.00 | 120000.00 |
| 45 | 2029-01 | 7752.50 | 252.50 | 7500.00 | 112500.00 |
| 46 | 2029-02 | 7736.72 | 236.72 | 7500.00 | 105000.00 |
| 47 | 2029-03 | 7720.94 | 220.94 | 7500.00 | 97500.00 |
| 48 | 2029-04 | 7705.16 | 205.16 | 7500.00 | 90000.00 |
| 49 | 2029-05 | 7689.38 | 189.38 | 7500.00 | 82500.00 |
| 50 | 2029-06 | 7673.59 | 173.59 | 7500.00 | 75000.00 |
| 51 | 2029-07 | 7657.81 | 157.81 | 7500.00 | 67500.00 |
| 52 | 2029-08 | 7642.03 | 142.03 | 7500.00 | 60000.00 |
| 53 | 2029-09 | 7626.25 | 126.25 | 7500.00 | 52500.00 |
| 54 | 2029-10 | 7610.47 | 110.47 | 7500.00 | 45000.00 |
| 55 | 2029-11 | 7594.69 | 94.69 | 7500.00 | 37500.00 |
| 56 | 2029-12 | 7578.91 | 78.91 | 7500.00 | 30000.00 |
| 57 | 2030-01 | 7563.13 | 63.12 | 7500.00 | 22500.00 |
| 58 | 2030-02 | 7547.34 | 47.34 | 7500.00 | 15000.00 |
| 59 | 2030-03 | 7531.56 | 31.56 | 7500.00 | 7500.00 |
| 60 | 2030-04 | 7515.78 | 15.78 | 7500.00 | 0.00 |