北京贷款83万（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：83万
还款月数：5年
每月还款：15006.4元
利息总额：7.04万
本息合计：90.04万
| 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 | 15006.40 | 2247.92 | 12758.49 | 817241.51 |
| 2 | 2025-06 | 15006.40 | 2213.36 | 12793.04 | 804448.48 |
| 3 | 2025-07 | 15006.40 | 2178.71 | 12827.69 | 791620.79 |
| 4 | 2025-08 | 15006.40 | 2143.97 | 12862.43 | 778758.36 |
| 5 | 2025-09 | 15006.40 | 2109.14 | 12897.26 | 765861.09 |
| 6 | 2025-10 | 15006.40 | 2074.21 | 12932.19 | 752928.90 |
| 7 | 2025-11 | 15006.40 | 2039.18 | 12967.22 | 739961.68 |
| 8 | 2025-12 | 15006.40 | 2004.06 | 13002.34 | 726959.34 |
| 9 | 2026-01 | 15006.40 | 1968.85 | 13037.55 | 713921.79 |
| 10 | 2026-02 | 15006.40 | 1933.54 | 13072.86 | 700848.92 |
| 11 | 2026-03 | 15006.40 | 1898.13 | 13108.27 | 687740.65 |
| 12 | 2026-04 | 15006.40 | 1862.63 | 13143.77 | 674596.88 |
| 13 | 2026-05 | 15006.40 | 1827.03 | 13179.37 | 661417.51 |
| 14 | 2026-06 | 15006.40 | 1791.34 | 13215.06 | 648202.45 |
| 15 | 2026-07 | 15006.40 | 1755.55 | 13250.85 | 634951.60 |
| 16 | 2026-08 | 15006.40 | 1719.66 | 13286.74 | 621664.86 |
| 17 | 2026-09 | 15006.40 | 1683.68 | 13322.73 | 608342.13 |
| 18 | 2026-10 | 15006.40 | 1647.59 | 13358.81 | 594983.32 |
| 19 | 2026-11 | 15006.40 | 1611.41 | 13394.99 | 581588.33 |
| 20 | 2026-12 | 15006.40 | 1575.14 | 13431.27 | 568157.07 |
| 21 | 2027-01 | 15006.40 | 1538.76 | 13467.64 | 554689.42 |
| 22 | 2027-02 | 15006.40 | 1502.28 | 13504.12 | 541185.30 |
| 23 | 2027-03 | 15006.40 | 1465.71 | 13540.69 | 527644.61 |
| 24 | 2027-04 | 15006.40 | 1429.04 | 13577.36 | 514067.25 |
| 25 | 2027-05 | 15006.40 | 1392.27 | 13614.14 | 500453.11 |
| 26 | 2027-06 | 15006.40 | 1355.39 | 13651.01 | 486802.10 |
| 27 | 2027-07 | 15006.40 | 1318.42 | 13687.98 | 473114.12 |
| 28 | 2027-08 | 15006.40 | 1281.35 | 13725.05 | 459389.07 |
| 29 | 2027-09 | 15006.40 | 1244.18 | 13762.22 | 445626.85 |
| 30 | 2027-10 | 15006.40 | 1206.91 | 13799.50 | 431827.35 |
| 31 | 2027-11 | 15006.40 | 1169.53 | 13836.87 | 417990.49 |
| 32 | 2027-12 | 15006.40 | 1132.06 | 13874.34 | 404116.14 |
| 33 | 2028-01 | 15006.40 | 1094.48 | 13911.92 | 390204.22 |
| 34 | 2028-02 | 15006.40 | 1056.80 | 13949.60 | 376254.62 |
| 35 | 2028-03 | 15006.40 | 1019.02 | 13987.38 | 362267.24 |
| 36 | 2028-04 | 15006.40 | 981.14 | 14025.26 | 348241.98 |
| 37 | 2028-05 | 15006.40 | 943.16 | 14063.25 | 334178.73 |
| 38 | 2028-06 | 15006.40 | 905.07 | 14101.33 | 320077.40 |
| 39 | 2028-07 | 15006.40 | 866.88 | 14139.53 | 305937.87 |
| 40 | 2028-08 | 15006.40 | 828.58 | 14177.82 | 291760.05 |
| 41 | 2028-09 | 15006.40 | 790.18 | 14216.22 | 277543.84 |
| 42 | 2028-10 | 15006.40 | 751.68 | 14254.72 | 263289.11 |
| 43 | 2028-11 | 15006.40 | 713.07 | 14293.33 | 248995.79 |
| 44 | 2028-12 | 15006.40 | 674.36 | 14332.04 | 234663.75 |
| 45 | 2029-01 | 15006.40 | 635.55 | 14370.85 | 220292.89 |
| 46 | 2029-02 | 15006.40 | 596.63 | 14409.78 | 205883.12 |
| 47 | 2029-03 | 15006.40 | 557.60 | 14448.80 | 191434.32 |
| 48 | 2029-04 | 15006.40 | 518.47 | 14487.93 | 176946.38 |
| 49 | 2029-05 | 15006.40 | 479.23 | 14527.17 | 162419.21 |
| 50 | 2029-06 | 15006.40 | 439.89 | 14566.52 | 147852.70 |
| 51 | 2029-07 | 15006.40 | 400.43 | 14605.97 | 133246.73 |
| 52 | 2029-08 | 15006.40 | 360.88 | 14645.53 | 118601.20 |
| 53 | 2029-09 | 15006.40 | 321.21 | 14685.19 | 103916.01 |
| 54 | 2029-10 | 15006.40 | 281.44 | 14724.96 | 89191.05 |
| 55 | 2029-11 | 15006.40 | 241.56 | 14764.84 | 74426.21 |
| 56 | 2029-12 | 15006.40 | 201.57 | 14804.83 | 59621.38 |
| 57 | 2030-01 | 15006.40 | 161.47 | 14844.93 | 44776.45 |
| 58 | 2030-02 | 15006.40 | 121.27 | 14885.13 | 29891.32 |
| 59 | 2030-03 | 15006.40 | 80.96 | 14925.45 | 14965.87 |
| 60 | 2030-04 | 15006.40 | 40.53 | 14965.87 | 0.00 |
等额本金还款方式：
贷款总额：83万
还款月数：5年
首月还款：16081.25元
每月递减：37.47元
利息总额：6.86万
本息合计：89.86万
节省利息：1822.66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 | 16081.25 | 2247.92 | 13833.33 | 816166.67 |
| 2 | 2025-06 | 16043.78 | 2210.45 | 13833.33 | 802333.33 |
| 3 | 2025-07 | 16006.32 | 2172.99 | 13833.33 | 788500.00 |
| 4 | 2025-08 | 15968.85 | 2135.52 | 13833.33 | 774666.67 |
| 5 | 2025-09 | 15931.39 | 2098.06 | 13833.33 | 760833.33 |
| 6 | 2025-10 | 15893.92 | 2060.59 | 13833.33 | 747000.00 |
| 7 | 2025-11 | 15856.46 | 2023.13 | 13833.33 | 733166.67 |
| 8 | 2025-12 | 15818.99 | 1985.66 | 13833.33 | 719333.33 |
| 9 | 2026-01 | 15781.53 | 1948.19 | 13833.33 | 705500.00 |
| 10 | 2026-02 | 15744.06 | 1910.73 | 13833.33 | 691666.67 |
| 11 | 2026-03 | 15706.60 | 1873.26 | 13833.33 | 677833.33 |
| 12 | 2026-04 | 15669.13 | 1835.80 | 13833.33 | 664000.00 |
| 13 | 2026-05 | 15631.67 | 1798.33 | 13833.33 | 650166.67 |
| 14 | 2026-06 | 15594.20 | 1760.87 | 13833.33 | 636333.33 |
| 15 | 2026-07 | 15556.74 | 1723.40 | 13833.33 | 622500.00 |
| 16 | 2026-08 | 15519.27 | 1685.94 | 13833.33 | 608666.67 |
| 17 | 2026-09 | 15481.81 | 1648.47 | 13833.33 | 594833.33 |
| 18 | 2026-10 | 15444.34 | 1611.01 | 13833.33 | 581000.00 |
| 19 | 2026-11 | 15406.88 | 1573.54 | 13833.33 | 567166.67 |
| 20 | 2026-12 | 15369.41 | 1536.08 | 13833.33 | 553333.33 |
| 21 | 2027-01 | 15331.94 | 1498.61 | 13833.33 | 539500.00 |
| 22 | 2027-02 | 15294.48 | 1461.15 | 13833.33 | 525666.67 |
| 23 | 2027-03 | 15257.01 | 1423.68 | 13833.33 | 511833.33 |
| 24 | 2027-04 | 15219.55 | 1386.22 | 13833.33 | 498000.00 |
| 25 | 2027-05 | 15182.08 | 1348.75 | 13833.33 | 484166.67 |
| 26 | 2027-06 | 15144.62 | 1311.28 | 13833.33 | 470333.33 |
| 27 | 2027-07 | 15107.15 | 1273.82 | 13833.33 | 456500.00 |
| 28 | 2027-08 | 15069.69 | 1236.35 | 13833.33 | 442666.67 |
| 29 | 2027-09 | 15032.22 | 1198.89 | 13833.33 | 428833.33 |
| 30 | 2027-10 | 14994.76 | 1161.42 | 13833.33 | 415000.00 |
| 31 | 2027-11 | 14957.29 | 1123.96 | 13833.33 | 401166.67 |
| 32 | 2027-12 | 14919.83 | 1086.49 | 13833.33 | 387333.33 |
| 33 | 2028-01 | 14882.36 | 1049.03 | 13833.33 | 373500.00 |
| 34 | 2028-02 | 14844.90 | 1011.56 | 13833.33 | 359666.67 |
| 35 | 2028-03 | 14807.43 | 974.10 | 13833.33 | 345833.33 |
| 36 | 2028-04 | 14769.97 | 936.63 | 13833.33 | 332000.00 |
| 37 | 2028-05 | 14732.50 | 899.17 | 13833.33 | 318166.67 |
| 38 | 2028-06 | 14695.03 | 861.70 | 13833.33 | 304333.33 |
| 39 | 2028-07 | 14657.57 | 824.24 | 13833.33 | 290500.00 |
| 40 | 2028-08 | 14620.10 | 786.77 | 13833.33 | 276666.67 |
| 41 | 2028-09 | 14582.64 | 749.31 | 13833.33 | 262833.33 |
| 42 | 2028-10 | 14545.17 | 711.84 | 13833.33 | 249000.00 |
| 43 | 2028-11 | 14507.71 | 674.38 | 13833.33 | 235166.67 |
| 44 | 2028-12 | 14470.24 | 636.91 | 13833.33 | 221333.33 |
| 45 | 2029-01 | 14432.78 | 599.44 | 13833.33 | 207500.00 |
| 46 | 2029-02 | 14395.31 | 561.98 | 13833.33 | 193666.67 |
| 47 | 2029-03 | 14357.85 | 524.51 | 13833.33 | 179833.33 |
| 48 | 2029-04 | 14320.38 | 487.05 | 13833.33 | 166000.00 |
| 49 | 2029-05 | 14282.92 | 449.58 | 13833.33 | 152166.67 |
| 50 | 2029-06 | 14245.45 | 412.12 | 13833.33 | 138333.33 |
| 51 | 2029-07 | 14207.99 | 374.65 | 13833.33 | 124500.00 |
| 52 | 2029-08 | 14170.52 | 337.19 | 13833.33 | 110666.67 |
| 53 | 2029-09 | 14133.06 | 299.72 | 13833.33 | 96833.33 |
| 54 | 2029-10 | 14095.59 | 262.26 | 13833.33 | 83000.00 |
| 55 | 2029-11 | 14058.13 | 224.79 | 13833.33 | 69166.67 |
| 56 | 2029-12 | 14020.66 | 187.33 | 13833.33 | 55333.33 |
| 57 | 2030-01 | 13983.19 | 149.86 | 13833.33 | 41500.00 |
| 58 | 2030-02 | 13945.73 | 112.40 | 13833.33 | 27666.67 |
| 59 | 2030-03 | 13908.26 | 74.93 | 13833.33 | 13833.33 |
| 60 | 2030-04 | 13870.80 | 37.47 | 13833.33 | 0.00 |