郑州贷款12万（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：12万
还款月数：5年
每月还款：2108.59元
利息总额：6515.1元
本息合计：12.65万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2108.59 | 210.00 | 1898.59 | 118101.41 |
| 2 | 2025-07 | 2108.59 | 206.68 | 1901.91 | 116199.51 |
| 3 | 2025-08 | 2108.59 | 203.35 | 1905.24 | 114294.27 |
| 4 | 2025-09 | 2108.59 | 200.01 | 1908.57 | 112385.70 |
| 5 | 2025-10 | 2108.59 | 196.67 | 1911.91 | 110473.79 |
| 6 | 2025-11 | 2108.59 | 193.33 | 1915.26 | 108558.54 |
| 7 | 2025-12 | 2108.59 | 189.98 | 1918.61 | 106639.93 |
| 8 | 2026-01 | 2108.59 | 186.62 | 1921.97 | 104717.96 |
| 9 | 2026-02 | 2108.59 | 183.26 | 1925.33 | 102792.63 |
| 10 | 2026-03 | 2108.59 | 179.89 | 1928.70 | 100863.94 |
| 11 | 2026-04 | 2108.59 | 176.51 | 1932.07 | 98931.86 |
| 12 | 2026-05 | 2108.59 | 173.13 | 1935.45 | 96996.41 |
| 13 | 2026-06 | 2108.59 | 169.74 | 1938.84 | 95057.57 |
| 14 | 2026-07 | 2108.59 | 166.35 | 1942.23 | 93115.33 |
| 15 | 2026-08 | 2108.59 | 162.95 | 1945.63 | 91169.70 |
| 16 | 2026-09 | 2108.59 | 159.55 | 1949.04 | 89220.66 |
| 17 | 2026-10 | 2108.59 | 156.14 | 1952.45 | 87268.21 |
| 18 | 2026-11 | 2108.59 | 152.72 | 1955.87 | 85312.35 |
| 19 | 2026-12 | 2108.59 | 149.30 | 1959.29 | 83353.06 |
| 20 | 2027-01 | 2108.59 | 145.87 | 1962.72 | 81390.34 |
| 21 | 2027-02 | 2108.59 | 142.43 | 1966.15 | 79424.19 |
| 22 | 2027-03 | 2108.59 | 138.99 | 1969.59 | 77454.60 |
| 23 | 2027-04 | 2108.59 | 135.55 | 1973.04 | 75481.56 |
| 24 | 2027-05 | 2108.59 | 132.09 | 1976.49 | 73505.07 |
| 25 | 2027-06 | 2108.59 | 128.63 | 1979.95 | 71525.11 |
| 26 | 2027-07 | 2108.59 | 125.17 | 1983.42 | 69541.70 |
| 27 | 2027-08 | 2108.59 | 121.70 | 1986.89 | 67554.81 |
| 28 | 2027-09 | 2108.59 | 118.22 | 1990.36 | 65564.45 |
| 29 | 2027-10 | 2108.59 | 114.74 | 1993.85 | 63570.60 |
| 30 | 2027-11 | 2108.59 | 111.25 | 1997.34 | 61573.26 |
| 31 | 2027-12 | 2108.59 | 107.75 | 2000.83 | 59572.43 |
| 32 | 2028-01 | 2108.59 | 104.25 | 2004.33 | 57568.10 |
| 33 | 2028-02 | 2108.59 | 100.74 | 2007.84 | 55560.26 |
| 34 | 2028-03 | 2108.59 | 97.23 | 2011.35 | 53548.90 |
| 35 | 2028-04 | 2108.59 | 93.71 | 2014.87 | 51534.03 |
| 36 | 2028-05 | 2108.59 | 90.18 | 2018.40 | 49515.63 |
| 37 | 2028-06 | 2108.59 | 86.65 | 2021.93 | 47493.69 |
| 38 | 2028-07 | 2108.59 | 83.11 | 2025.47 | 45468.22 |
| 39 | 2028-08 | 2108.59 | 79.57 | 2029.02 | 43439.21 |
| 40 | 2028-09 | 2108.59 | 76.02 | 2032.57 | 41406.64 |
| 41 | 2028-10 | 2108.59 | 72.46 | 2036.12 | 39370.52 |
| 42 | 2028-11 | 2108.59 | 68.90 | 2039.69 | 37330.83 |
| 43 | 2028-12 | 2108.59 | 65.33 | 2043.26 | 35287.58 |
| 44 | 2029-01 | 2108.59 | 61.75 | 2046.83 | 33240.74 |
| 45 | 2029-02 | 2108.59 | 58.17 | 2050.41 | 31190.33 |
| 46 | 2029-03 | 2108.59 | 54.58 | 2054.00 | 29136.33 |
| 47 | 2029-04 | 2108.59 | 50.99 | 2057.60 | 27078.73 |
| 48 | 2029-05 | 2108.59 | 47.39 | 2061.20 | 25017.53 |
| 49 | 2029-06 | 2108.59 | 43.78 | 2064.80 | 22952.73 |
| 50 | 2029-07 | 2108.59 | 40.17 | 2068.42 | 20884.31 |
| 51 | 2029-08 | 2108.59 | 36.55 | 2072.04 | 18812.27 |
| 52 | 2029-09 | 2108.59 | 32.92 | 2075.66 | 16736.61 |
| 53 | 2029-10 | 2108.59 | 29.29 | 2079.30 | 14657.31 |
| 54 | 2029-11 | 2108.59 | 25.65 | 2082.93 | 12574.38 |
| 55 | 2029-12 | 2108.59 | 22.01 | 2086.58 | 10487.80 |
| 56 | 2030-01 | 2108.59 | 18.35 | 2090.23 | 8397.57 |
| 57 | 2030-02 | 2108.59 | 14.70 | 2093.89 | 6303.68 |
| 58 | 2030-03 | 2108.59 | 11.03 | 2097.55 | 4206.13 |
| 59 | 2030-04 | 2108.59 | 7.36 | 2101.22 | 2104.90 |
| 60 | 2030-05 | 2108.59 | 3.68 | 2104.90 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：5年
首月还款：2210元
每月递减：3.5元
利息总额：6405元
本息合计：12.64万
节省利息：110.1元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2210.00 | 210.00 | 2000.00 | 118000.00 |
| 2 | 2025-07 | 2206.50 | 206.50 | 2000.00 | 116000.00 |
| 3 | 2025-08 | 2203.00 | 203.00 | 2000.00 | 114000.00 |
| 4 | 2025-09 | 2199.50 | 199.50 | 2000.00 | 112000.00 |
| 5 | 2025-10 | 2196.00 | 196.00 | 2000.00 | 110000.00 |
| 6 | 2025-11 | 2192.50 | 192.50 | 2000.00 | 108000.00 |
| 7 | 2025-12 | 2189.00 | 189.00 | 2000.00 | 106000.00 |
| 8 | 2026-01 | 2185.50 | 185.50 | 2000.00 | 104000.00 |
| 9 | 2026-02 | 2182.00 | 182.00 | 2000.00 | 102000.00 |
| 10 | 2026-03 | 2178.50 | 178.50 | 2000.00 | 100000.00 |
| 11 | 2026-04 | 2175.00 | 175.00 | 2000.00 | 98000.00 |
| 12 | 2026-05 | 2171.50 | 171.50 | 2000.00 | 96000.00 |
| 13 | 2026-06 | 2168.00 | 168.00 | 2000.00 | 94000.00 |
| 14 | 2026-07 | 2164.50 | 164.50 | 2000.00 | 92000.00 |
| 15 | 2026-08 | 2161.00 | 161.00 | 2000.00 | 90000.00 |
| 16 | 2026-09 | 2157.50 | 157.50 | 2000.00 | 88000.00 |
| 17 | 2026-10 | 2154.00 | 154.00 | 2000.00 | 86000.00 |
| 18 | 2026-11 | 2150.50 | 150.50 | 2000.00 | 84000.00 |
| 19 | 2026-12 | 2147.00 | 147.00 | 2000.00 | 82000.00 |
| 20 | 2027-01 | 2143.50 | 143.50 | 2000.00 | 80000.00 |
| 21 | 2027-02 | 2140.00 | 140.00 | 2000.00 | 78000.00 |
| 22 | 2027-03 | 2136.50 | 136.50 | 2000.00 | 76000.00 |
| 23 | 2027-04 | 2133.00 | 133.00 | 2000.00 | 74000.00 |
| 24 | 2027-05 | 2129.50 | 129.50 | 2000.00 | 72000.00 |
| 25 | 2027-06 | 2126.00 | 126.00 | 2000.00 | 70000.00 |
| 26 | 2027-07 | 2122.50 | 122.50 | 2000.00 | 68000.00 |
| 27 | 2027-08 | 2119.00 | 119.00 | 2000.00 | 66000.00 |
| 28 | 2027-09 | 2115.50 | 115.50 | 2000.00 | 64000.00 |
| 29 | 2027-10 | 2112.00 | 112.00 | 2000.00 | 62000.00 |
| 30 | 2027-11 | 2108.50 | 108.50 | 2000.00 | 60000.00 |
| 31 | 2027-12 | 2105.00 | 105.00 | 2000.00 | 58000.00 |
| 32 | 2028-01 | 2101.50 | 101.50 | 2000.00 | 56000.00 |
| 33 | 2028-02 | 2098.00 | 98.00 | 2000.00 | 54000.00 |
| 34 | 2028-03 | 2094.50 | 94.50 | 2000.00 | 52000.00 |
| 35 | 2028-04 | 2091.00 | 91.00 | 2000.00 | 50000.00 |
| 36 | 2028-05 | 2087.50 | 87.50 | 2000.00 | 48000.00 |
| 37 | 2028-06 | 2084.00 | 84.00 | 2000.00 | 46000.00 |
| 38 | 2028-07 | 2080.50 | 80.50 | 2000.00 | 44000.00 |
| 39 | 2028-08 | 2077.00 | 77.00 | 2000.00 | 42000.00 |
| 40 | 2028-09 | 2073.50 | 73.50 | 2000.00 | 40000.00 |
| 41 | 2028-10 | 2070.00 | 70.00 | 2000.00 | 38000.00 |
| 42 | 2028-11 | 2066.50 | 66.50 | 2000.00 | 36000.00 |
| 43 | 2028-12 | 2063.00 | 63.00 | 2000.00 | 34000.00 |
| 44 | 2029-01 | 2059.50 | 59.50 | 2000.00 | 32000.00 |
| 45 | 2029-02 | 2056.00 | 56.00 | 2000.00 | 30000.00 |
| 46 | 2029-03 | 2052.50 | 52.50 | 2000.00 | 28000.00 |
| 47 | 2029-04 | 2049.00 | 49.00 | 2000.00 | 26000.00 |
| 48 | 2029-05 | 2045.50 | 45.50 | 2000.00 | 24000.00 |
| 49 | 2029-06 | 2042.00 | 42.00 | 2000.00 | 22000.00 |
| 50 | 2029-07 | 2038.50 | 38.50 | 2000.00 | 20000.00 |
| 51 | 2029-08 | 2035.00 | 35.00 | 2000.00 | 18000.00 |
| 52 | 2029-09 | 2031.50 | 31.50 | 2000.00 | 16000.00 |
| 53 | 2029-10 | 2028.00 | 28.00 | 2000.00 | 14000.00 |
| 54 | 2029-11 | 2024.50 | 24.50 | 2000.00 | 12000.00 |
| 55 | 2029-12 | 2021.00 | 21.00 | 2000.00 | 10000.00 |
| 56 | 2030-01 | 2017.50 | 17.50 | 2000.00 | 8000.00 |
| 57 | 2030-02 | 2014.00 | 14.00 | 2000.00 | 6000.00 |
| 58 | 2030-03 | 2010.50 | 10.50 | 2000.00 | 4000.00 |
| 59 | 2030-04 | 2007.00 | 7.00 | 2000.00 | 2000.00 |
| 60 | 2030-05 | 2003.50 | 3.50 | 2000.00 | 0.00 |