广州贷款260万（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：260万
还款月数：5年
每月还款：47008.01元
利息总额：22.05万
本息合计：282.05万
| 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 | 47008.01 | 7041.67 | 39966.34 | 2560033.66 |
| 2 | 2025-06 | 47008.01 | 6933.42 | 40074.58 | 2519959.08 |
| 3 | 2025-07 | 47008.01 | 6824.89 | 40183.12 | 2479775.96 |
| 4 | 2025-08 | 47008.01 | 6716.06 | 40291.95 | 2439484.02 |
| 5 | 2025-09 | 47008.01 | 6606.94 | 40401.07 | 2399082.95 |
| 6 | 2025-10 | 47008.01 | 6497.52 | 40510.49 | 2358572.46 |
| 7 | 2025-11 | 47008.01 | 6387.80 | 40620.21 | 2317952.25 |
| 8 | 2025-12 | 47008.01 | 6277.79 | 40730.22 | 2277222.03 |
| 9 | 2026-01 | 47008.01 | 6167.48 | 40840.53 | 2236381.50 |
| 10 | 2026-02 | 47008.01 | 6056.87 | 40951.14 | 2195430.36 |
| 11 | 2026-03 | 47008.01 | 5945.96 | 41062.05 | 2154368.31 |
| 12 | 2026-04 | 47008.01 | 5834.75 | 41173.26 | 2113195.06 |
| 13 | 2026-05 | 47008.01 | 5723.24 | 41284.77 | 2071910.29 |
| 14 | 2026-06 | 47008.01 | 5611.42 | 41396.58 | 2030513.70 |
| 15 | 2026-07 | 47008.01 | 5499.31 | 41508.70 | 1989005.01 |
| 16 | 2026-08 | 47008.01 | 5386.89 | 41621.12 | 1947383.89 |
| 17 | 2026-09 | 47008.01 | 5274.16 | 41733.84 | 1905650.05 |
| 18 | 2026-10 | 47008.01 | 5161.14 | 41846.87 | 1863803.18 |
| 19 | 2026-11 | 47008.01 | 5047.80 | 41960.21 | 1821842.97 |
| 20 | 2026-12 | 47008.01 | 4934.16 | 42073.85 | 1779769.12 |
| 21 | 2027-01 | 47008.01 | 4820.21 | 42187.80 | 1737581.33 |
| 22 | 2027-02 | 47008.01 | 4705.95 | 42302.06 | 1695279.27 |
| 23 | 2027-03 | 47008.01 | 4591.38 | 42416.62 | 1652862.64 |
| 24 | 2027-04 | 47008.01 | 4476.50 | 42531.50 | 1610331.14 |
| 25 | 2027-05 | 47008.01 | 4361.31 | 42646.69 | 1567684.45 |
| 26 | 2027-06 | 47008.01 | 4245.81 | 42762.19 | 1524922.25 |
| 27 | 2027-07 | 47008.01 | 4130.00 | 42878.01 | 1482044.25 |
| 28 | 2027-08 | 47008.01 | 4013.87 | 42994.14 | 1439050.11 |
| 29 | 2027-09 | 47008.01 | 3897.43 | 43110.58 | 1395939.53 |
| 30 | 2027-10 | 47008.01 | 3780.67 | 43227.34 | 1352712.19 |
| 31 | 2027-11 | 47008.01 | 3663.60 | 43344.41 | 1309367.78 |
| 32 | 2027-12 | 47008.01 | 3546.20 | 43461.80 | 1265905.98 |
| 33 | 2028-01 | 47008.01 | 3428.50 | 43579.51 | 1222326.47 |
| 34 | 2028-02 | 47008.01 | 3310.47 | 43697.54 | 1178628.93 |
| 35 | 2028-03 | 47008.01 | 3192.12 | 43815.89 | 1134813.05 |
| 36 | 2028-04 | 47008.01 | 3073.45 | 43934.55 | 1090878.49 |
| 37 | 2028-05 | 47008.01 | 2954.46 | 44053.54 | 1046824.95 |
| 38 | 2028-06 | 47008.01 | 2835.15 | 44172.86 | 1002652.10 |
| 39 | 2028-07 | 47008.01 | 2715.52 | 44292.49 | 958359.61 |
| 40 | 2028-08 | 47008.01 | 2595.56 | 44412.45 | 913947.16 |
| 41 | 2028-09 | 47008.01 | 2475.27 | 44532.73 | 869414.42 |
| 42 | 2028-10 | 47008.01 | 2354.66 | 44653.34 | 824761.08 |
| 43 | 2028-11 | 47008.01 | 2233.73 | 44774.28 | 779986.80 |
| 44 | 2028-12 | 47008.01 | 2112.46 | 44895.54 | 735091.26 |
| 45 | 2029-01 | 47008.01 | 1990.87 | 45017.13 | 690074.13 |
| 46 | 2029-02 | 47008.01 | 1868.95 | 45139.06 | 644935.07 |
| 47 | 2029-03 | 47008.01 | 1746.70 | 45261.31 | 599673.77 |
| 48 | 2029-04 | 47008.01 | 1624.12 | 45383.89 | 554289.88 |
| 49 | 2029-05 | 47008.01 | 1501.20 | 45506.80 | 508783.07 |
| 50 | 2029-06 | 47008.01 | 1377.95 | 45630.05 | 463153.02 |
| 51 | 2029-07 | 47008.01 | 1254.37 | 45753.63 | 417399.39 |
| 52 | 2029-08 | 47008.01 | 1130.46 | 45877.55 | 371521.84 |
| 53 | 2029-09 | 47008.01 | 1006.20 | 46001.80 | 325520.04 |
| 54 | 2029-10 | 47008.01 | 881.62 | 46126.39 | 279393.65 |
| 55 | 2029-11 | 47008.01 | 756.69 | 46251.31 | 233142.33 |
| 56 | 2029-12 | 47008.01 | 631.43 | 46376.58 | 186765.75 |
| 57 | 2030-01 | 47008.01 | 505.82 | 46502.18 | 140263.57 |
| 58 | 2030-02 | 47008.01 | 379.88 | 46628.13 | 93635.45 |
| 59 | 2030-03 | 47008.01 | 253.60 | 46754.41 | 46881.04 |
| 60 | 2030-04 | 47008.01 | 126.97 | 46881.04 | 0.00 |
等额本金还款方式：
贷款总额：260万
还款月数：5年
首月还款：50375元
每月递减：117.36元
利息总额：21.48万
本息合计：281.48万
节省利息：5709.53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 | 50375.00 | 7041.67 | 43333.33 | 2556666.67 |
| 2 | 2025-06 | 50257.64 | 6924.31 | 43333.33 | 2513333.33 |
| 3 | 2025-07 | 50140.28 | 6806.94 | 43333.33 | 2470000.00 |
| 4 | 2025-08 | 50022.92 | 6689.58 | 43333.33 | 2426666.67 |
| 5 | 2025-09 | 49905.56 | 6572.22 | 43333.33 | 2383333.33 |
| 6 | 2025-10 | 49788.19 | 6454.86 | 43333.33 | 2340000.00 |
| 7 | 2025-11 | 49670.83 | 6337.50 | 43333.33 | 2296666.67 |
| 8 | 2025-12 | 49553.47 | 6220.14 | 43333.33 | 2253333.33 |
| 9 | 2026-01 | 49436.11 | 6102.78 | 43333.33 | 2210000.00 |
| 10 | 2026-02 | 49318.75 | 5985.42 | 43333.33 | 2166666.67 |
| 11 | 2026-03 | 49201.39 | 5868.06 | 43333.33 | 2123333.33 |
| 12 | 2026-04 | 49084.03 | 5750.69 | 43333.33 | 2080000.00 |
| 13 | 2026-05 | 48966.67 | 5633.33 | 43333.33 | 2036666.67 |
| 14 | 2026-06 | 48849.31 | 5515.97 | 43333.33 | 1993333.33 |
| 15 | 2026-07 | 48731.94 | 5398.61 | 43333.33 | 1950000.00 |
| 16 | 2026-08 | 48614.58 | 5281.25 | 43333.33 | 1906666.67 |
| 17 | 2026-09 | 48497.22 | 5163.89 | 43333.33 | 1863333.33 |
| 18 | 2026-10 | 48379.86 | 5046.53 | 43333.33 | 1820000.00 |
| 19 | 2026-11 | 48262.50 | 4929.17 | 43333.33 | 1776666.67 |
| 20 | 2026-12 | 48145.14 | 4811.81 | 43333.33 | 1733333.33 |
| 21 | 2027-01 | 48027.78 | 4694.44 | 43333.33 | 1690000.00 |
| 22 | 2027-02 | 47910.42 | 4577.08 | 43333.33 | 1646666.67 |
| 23 | 2027-03 | 47793.06 | 4459.72 | 43333.33 | 1603333.33 |
| 24 | 2027-04 | 47675.69 | 4342.36 | 43333.33 | 1560000.00 |
| 25 | 2027-05 | 47558.33 | 4225.00 | 43333.33 | 1516666.67 |
| 26 | 2027-06 | 47440.97 | 4107.64 | 43333.33 | 1473333.33 |
| 27 | 2027-07 | 47323.61 | 3990.28 | 43333.33 | 1430000.00 |
| 28 | 2027-08 | 47206.25 | 3872.92 | 43333.33 | 1386666.67 |
| 29 | 2027-09 | 47088.89 | 3755.56 | 43333.33 | 1343333.33 |
| 30 | 2027-10 | 46971.53 | 3638.19 | 43333.33 | 1300000.00 |
| 31 | 2027-11 | 46854.17 | 3520.83 | 43333.33 | 1256666.67 |
| 32 | 2027-12 | 46736.81 | 3403.47 | 43333.33 | 1213333.33 |
| 33 | 2028-01 | 46619.44 | 3286.11 | 43333.33 | 1170000.00 |
| 34 | 2028-02 | 46502.08 | 3168.75 | 43333.33 | 1126666.67 |
| 35 | 2028-03 | 46384.72 | 3051.39 | 43333.33 | 1083333.33 |
| 36 | 2028-04 | 46267.36 | 2934.03 | 43333.33 | 1040000.00 |
| 37 | 2028-05 | 46150.00 | 2816.67 | 43333.33 | 996666.67 |
| 38 | 2028-06 | 46032.64 | 2699.31 | 43333.33 | 953333.33 |
| 39 | 2028-07 | 45915.28 | 2581.94 | 43333.33 | 910000.00 |
| 40 | 2028-08 | 45797.92 | 2464.58 | 43333.33 | 866666.67 |
| 41 | 2028-09 | 45680.56 | 2347.22 | 43333.33 | 823333.33 |
| 42 | 2028-10 | 45563.19 | 2229.86 | 43333.33 | 780000.00 |
| 43 | 2028-11 | 45445.83 | 2112.50 | 43333.33 | 736666.67 |
| 44 | 2028-12 | 45328.47 | 1995.14 | 43333.33 | 693333.33 |
| 45 | 2029-01 | 45211.11 | 1877.78 | 43333.33 | 650000.00 |
| 46 | 2029-02 | 45093.75 | 1760.42 | 43333.33 | 606666.67 |
| 47 | 2029-03 | 44976.39 | 1643.06 | 43333.33 | 563333.33 |
| 48 | 2029-04 | 44859.03 | 1525.69 | 43333.33 | 520000.00 |
| 49 | 2029-05 | 44741.67 | 1408.33 | 43333.33 | 476666.67 |
| 50 | 2029-06 | 44624.31 | 1290.97 | 43333.33 | 433333.33 |
| 51 | 2029-07 | 44506.94 | 1173.61 | 43333.33 | 390000.00 |
| 52 | 2029-08 | 44389.58 | 1056.25 | 43333.33 | 346666.67 |
| 53 | 2029-09 | 44272.22 | 938.89 | 43333.33 | 303333.33 |
| 54 | 2029-10 | 44154.86 | 821.53 | 43333.33 | 260000.00 |
| 55 | 2029-11 | 44037.50 | 704.17 | 43333.33 | 216666.67 |
| 56 | 2029-12 | 43920.14 | 586.81 | 43333.33 | 173333.33 |
| 57 | 2030-01 | 43802.78 | 469.44 | 43333.33 | 130000.00 |
| 58 | 2030-02 | 43685.42 | 352.08 | 43333.33 | 86666.67 |
| 59 | 2030-03 | 43568.06 | 234.72 | 43333.33 | 43333.33 |
| 60 | 2030-04 | 43450.69 | 117.36 | 43333.33 | 0.00 |