贷款420万（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：420万
还款月数：5年
每月还款：73800.48元
利息总额：22.8万
本息合计：442.8万
| 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 | 73800.48 | 7350.00 | 66450.48 | 4133549.52 |
| 2 | 2025-06 | 73800.48 | 7233.71 | 66566.76 | 4066982.76 |
| 3 | 2025-07 | 73800.48 | 7117.22 | 66683.26 | 4000299.50 |
| 4 | 2025-08 | 73800.48 | 7000.52 | 66799.95 | 3933499.55 |
| 5 | 2025-09 | 73800.48 | 6883.62 | 66916.85 | 3866582.70 |
| 6 | 2025-10 | 73800.48 | 6766.52 | 67033.96 | 3799548.74 |
| 7 | 2025-11 | 73800.48 | 6649.21 | 67151.27 | 3732397.47 |
| 8 | 2025-12 | 73800.48 | 6531.70 | 67268.78 | 3665128.69 |
| 9 | 2026-01 | 73800.48 | 6413.98 | 67386.50 | 3597742.19 |
| 10 | 2026-02 | 73800.48 | 6296.05 | 67504.43 | 3530237.76 |
| 11 | 2026-03 | 73800.48 | 6177.92 | 67622.56 | 3462615.20 |
| 12 | 2026-04 | 73800.48 | 6059.58 | 67740.90 | 3394874.30 |
| 13 | 2026-05 | 73800.48 | 5941.03 | 67859.45 | 3327014.86 |
| 14 | 2026-06 | 73800.48 | 5822.28 | 67978.20 | 3259036.65 |
| 15 | 2026-07 | 73800.48 | 5703.31 | 68097.16 | 3190939.49 |
| 16 | 2026-08 | 73800.48 | 5584.14 | 68216.33 | 3122723.16 |
| 17 | 2026-09 | 73800.48 | 5464.77 | 68335.71 | 3054387.45 |
| 18 | 2026-10 | 73800.48 | 5345.18 | 68455.30 | 2985932.15 |
| 19 | 2026-11 | 73800.48 | 5225.38 | 68575.10 | 2917357.05 |
| 20 | 2026-12 | 73800.48 | 5105.37 | 68695.10 | 2848661.95 |
| 21 | 2027-01 | 73800.48 | 4985.16 | 68815.32 | 2779846.63 |
| 22 | 2027-02 | 73800.48 | 4864.73 | 68935.75 | 2710910.89 |
| 23 | 2027-03 | 73800.48 | 4744.09 | 69056.38 | 2641854.51 |
| 24 | 2027-04 | 73800.48 | 4623.25 | 69177.23 | 2572677.28 |
| 25 | 2027-05 | 73800.48 | 4502.19 | 69298.29 | 2503378.98 |
| 26 | 2027-06 | 73800.48 | 4380.91 | 69419.56 | 2433959.42 |
| 27 | 2027-07 | 73800.48 | 4259.43 | 69541.05 | 2364418.37 |
| 28 | 2027-08 | 73800.48 | 4137.73 | 69662.74 | 2294755.63 |
| 29 | 2027-09 | 73800.48 | 4015.82 | 69784.65 | 2224970.97 |
| 30 | 2027-10 | 73800.48 | 3893.70 | 69906.78 | 2155064.20 |
| 31 | 2027-11 | 73800.48 | 3771.36 | 70029.11 | 2085035.08 |
| 32 | 2027-12 | 73800.48 | 3648.81 | 70151.67 | 2014883.42 |
| 33 | 2028-01 | 73800.48 | 3526.05 | 70274.43 | 1944608.99 |
| 34 | 2028-02 | 73800.48 | 3403.07 | 70397.41 | 1874211.58 |
| 35 | 2028-03 | 73800.48 | 3279.87 | 70520.61 | 1803690.97 |
| 36 | 2028-04 | 73800.48 | 3156.46 | 70644.02 | 1733046.95 |
| 37 | 2028-05 | 73800.48 | 3032.83 | 70767.64 | 1662279.31 |
| 38 | 2028-06 | 73800.48 | 2908.99 | 70891.49 | 1591387.82 |
| 39 | 2028-07 | 73800.48 | 2784.93 | 71015.55 | 1520372.27 |
| 40 | 2028-08 | 73800.48 | 2660.65 | 71139.83 | 1449232.45 |
| 41 | 2028-09 | 73800.48 | 2536.16 | 71264.32 | 1377968.13 |
| 42 | 2028-10 | 73800.48 | 2411.44 | 71389.03 | 1306579.09 |
| 43 | 2028-11 | 73800.48 | 2286.51 | 71513.96 | 1235065.13 |
| 44 | 2028-12 | 73800.48 | 2161.36 | 71639.11 | 1163426.02 |
| 45 | 2029-01 | 73800.48 | 2036.00 | 71764.48 | 1091661.54 |
| 46 | 2029-02 | 73800.48 | 1910.41 | 71890.07 | 1019771.47 |
| 47 | 2029-03 | 73800.48 | 1784.60 | 72015.88 | 947755.59 |
| 48 | 2029-04 | 73800.48 | 1658.57 | 72141.90 | 875613.69 |
| 49 | 2029-05 | 73800.48 | 1532.32 | 72268.15 | 803345.53 |
| 50 | 2029-06 | 73800.48 | 1405.85 | 72394.62 | 730950.91 |
| 51 | 2029-07 | 73800.48 | 1279.16 | 72521.31 | 658429.60 |
| 52 | 2029-08 | 73800.48 | 1152.25 | 72648.22 | 585781.37 |
| 53 | 2029-09 | 73800.48 | 1025.12 | 72775.36 | 513006.02 |
| 54 | 2029-10 | 73800.48 | 897.76 | 72902.72 | 440103.30 |
| 55 | 2029-11 | 73800.48 | 770.18 | 73030.30 | 367073.00 |
| 56 | 2029-12 | 73800.48 | 642.38 | 73158.10 | 293914.90 |
| 57 | 2030-01 | 73800.48 | 514.35 | 73286.13 | 220628.78 |
| 58 | 2030-02 | 73800.48 | 386.10 | 73414.38 | 147214.40 |
| 59 | 2030-03 | 73800.48 | 257.63 | 73542.85 | 73671.55 |
| 60 | 2030-04 | 73800.48 | 128.93 | 73671.55 | 0.00 |
等额本金还款方式：
贷款总额：420万
还款月数：5年
首月还款：77350元
每月递减：122.5元
利息总额：22.42万
本息合计：442.42万
节省利息：3853.6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 | 77350.00 | 7350.00 | 70000.00 | 4130000.00 |
| 2 | 2025-06 | 77227.50 | 7227.50 | 70000.00 | 4060000.00 |
| 3 | 2025-07 | 77105.00 | 7105.00 | 70000.00 | 3990000.00 |
| 4 | 2025-08 | 76982.50 | 6982.50 | 70000.00 | 3920000.00 |
| 5 | 2025-09 | 76860.00 | 6860.00 | 70000.00 | 3850000.00 |
| 6 | 2025-10 | 76737.50 | 6737.50 | 70000.00 | 3780000.00 |
| 7 | 2025-11 | 76615.00 | 6615.00 | 70000.00 | 3710000.00 |
| 8 | 2025-12 | 76492.50 | 6492.50 | 70000.00 | 3640000.00 |
| 9 | 2026-01 | 76370.00 | 6370.00 | 70000.00 | 3570000.00 |
| 10 | 2026-02 | 76247.50 | 6247.50 | 70000.00 | 3500000.00 |
| 11 | 2026-03 | 76125.00 | 6125.00 | 70000.00 | 3430000.00 |
| 12 | 2026-04 | 76002.50 | 6002.50 | 70000.00 | 3360000.00 |
| 13 | 2026-05 | 75880.00 | 5880.00 | 70000.00 | 3290000.00 |
| 14 | 2026-06 | 75757.50 | 5757.50 | 70000.00 | 3220000.00 |
| 15 | 2026-07 | 75635.00 | 5635.00 | 70000.00 | 3150000.00 |
| 16 | 2026-08 | 75512.50 | 5512.50 | 70000.00 | 3080000.00 |
| 17 | 2026-09 | 75390.00 | 5390.00 | 70000.00 | 3010000.00 |
| 18 | 2026-10 | 75267.50 | 5267.50 | 70000.00 | 2940000.00 |
| 19 | 2026-11 | 75145.00 | 5145.00 | 70000.00 | 2870000.00 |
| 20 | 2026-12 | 75022.50 | 5022.50 | 70000.00 | 2800000.00 |
| 21 | 2027-01 | 74900.00 | 4900.00 | 70000.00 | 2730000.00 |
| 22 | 2027-02 | 74777.50 | 4777.50 | 70000.00 | 2660000.00 |
| 23 | 2027-03 | 74655.00 | 4655.00 | 70000.00 | 2590000.00 |
| 24 | 2027-04 | 74532.50 | 4532.50 | 70000.00 | 2520000.00 |
| 25 | 2027-05 | 74410.00 | 4410.00 | 70000.00 | 2450000.00 |
| 26 | 2027-06 | 74287.50 | 4287.50 | 70000.00 | 2380000.00 |
| 27 | 2027-07 | 74165.00 | 4165.00 | 70000.00 | 2310000.00 |
| 28 | 2027-08 | 74042.50 | 4042.50 | 70000.00 | 2240000.00 |
| 29 | 2027-09 | 73920.00 | 3920.00 | 70000.00 | 2170000.00 |
| 30 | 2027-10 | 73797.50 | 3797.50 | 70000.00 | 2100000.00 |
| 31 | 2027-11 | 73675.00 | 3675.00 | 70000.00 | 2030000.00 |
| 32 | 2027-12 | 73552.50 | 3552.50 | 70000.00 | 1960000.00 |
| 33 | 2028-01 | 73430.00 | 3430.00 | 70000.00 | 1890000.00 |
| 34 | 2028-02 | 73307.50 | 3307.50 | 70000.00 | 1820000.00 |
| 35 | 2028-03 | 73185.00 | 3185.00 | 70000.00 | 1750000.00 |
| 36 | 2028-04 | 73062.50 | 3062.50 | 70000.00 | 1680000.00 |
| 37 | 2028-05 | 72940.00 | 2940.00 | 70000.00 | 1610000.00 |
| 38 | 2028-06 | 72817.50 | 2817.50 | 70000.00 | 1540000.00 |
| 39 | 2028-07 | 72695.00 | 2695.00 | 70000.00 | 1470000.00 |
| 40 | 2028-08 | 72572.50 | 2572.50 | 70000.00 | 1400000.00 |
| 41 | 2028-09 | 72450.00 | 2450.00 | 70000.00 | 1330000.00 |
| 42 | 2028-10 | 72327.50 | 2327.50 | 70000.00 | 1260000.00 |
| 43 | 2028-11 | 72205.00 | 2205.00 | 70000.00 | 1190000.00 |
| 44 | 2028-12 | 72082.50 | 2082.50 | 70000.00 | 1120000.00 |
| 45 | 2029-01 | 71960.00 | 1960.00 | 70000.00 | 1050000.00 |
| 46 | 2029-02 | 71837.50 | 1837.50 | 70000.00 | 980000.00 |
| 47 | 2029-03 | 71715.00 | 1715.00 | 70000.00 | 910000.00 |
| 48 | 2029-04 | 71592.50 | 1592.50 | 70000.00 | 840000.00 |
| 49 | 2029-05 | 71470.00 | 1470.00 | 70000.00 | 770000.00 |
| 50 | 2029-06 | 71347.50 | 1347.50 | 70000.00 | 700000.00 |
| 51 | 2029-07 | 71225.00 | 1225.00 | 70000.00 | 630000.00 |
| 52 | 2029-08 | 71102.50 | 1102.50 | 70000.00 | 560000.00 |
| 53 | 2029-09 | 70980.00 | 980.00 | 70000.00 | 490000.00 |
| 54 | 2029-10 | 70857.50 | 857.50 | 70000.00 | 420000.00 |
| 55 | 2029-11 | 70735.00 | 735.00 | 70000.00 | 350000.00 |
| 56 | 2029-12 | 70612.50 | 612.50 | 70000.00 | 280000.00 |
| 57 | 2030-01 | 70490.00 | 490.00 | 70000.00 | 210000.00 |
| 58 | 2030-02 | 70367.50 | 367.50 | 70000.00 | 140000.00 |
| 59 | 2030-03 | 70245.00 | 245.00 | 70000.00 | 70000.00 |
| 60 | 2030-04 | 70122.50 | 122.50 | 70000.00 | 0.00 |