湖南贷款96万（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：96万
还款月数：5年
每月还款：16868.68元
利息总额：5.21万
本息合计：101.21万
| 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 | 16868.68 | 1680.00 | 15188.68 | 944811.32 |
| 2 | 2025-06 | 16868.68 | 1653.42 | 15215.26 | 929596.06 |
| 3 | 2025-07 | 16868.68 | 1626.79 | 15241.89 | 914354.17 |
| 4 | 2025-08 | 16868.68 | 1600.12 | 15268.56 | 899085.61 |
| 5 | 2025-09 | 16868.68 | 1573.40 | 15295.28 | 883790.33 |
| 6 | 2025-10 | 16868.68 | 1546.63 | 15322.05 | 868468.28 |
| 7 | 2025-11 | 16868.68 | 1519.82 | 15348.86 | 853119.42 |
| 8 | 2025-12 | 16868.68 | 1492.96 | 15375.72 | 837743.70 |
| 9 | 2026-01 | 16868.68 | 1466.05 | 15402.63 | 822341.07 |
| 10 | 2026-02 | 16868.68 | 1439.10 | 15429.58 | 806911.49 |
| 11 | 2026-03 | 16868.68 | 1412.10 | 15456.59 | 791454.90 |
| 12 | 2026-04 | 16868.68 | 1385.05 | 15483.63 | 775971.27 |
| 13 | 2026-05 | 16868.68 | 1357.95 | 15510.73 | 760460.54 |
| 14 | 2026-06 | 16868.68 | 1330.81 | 15537.87 | 744922.66 |
| 15 | 2026-07 | 16868.68 | 1303.61 | 15565.07 | 729357.60 |
| 16 | 2026-08 | 16868.68 | 1276.38 | 15592.30 | 713765.29 |
| 17 | 2026-09 | 16868.68 | 1249.09 | 15619.59 | 698145.70 |
| 18 | 2026-10 | 16868.68 | 1221.75 | 15646.93 | 682498.78 |
| 19 | 2026-11 | 16868.68 | 1194.37 | 15674.31 | 666824.47 |
| 20 | 2026-12 | 16868.68 | 1166.94 | 15701.74 | 651122.73 |
| 21 | 2027-01 | 16868.68 | 1139.46 | 15729.22 | 635393.52 |
| 22 | 2027-02 | 16868.68 | 1111.94 | 15756.74 | 619636.77 |
| 23 | 2027-03 | 16868.68 | 1084.36 | 15784.32 | 603852.46 |
| 24 | 2027-04 | 16868.68 | 1056.74 | 15811.94 | 588040.52 |
| 25 | 2027-05 | 16868.68 | 1029.07 | 15839.61 | 572200.91 |
| 26 | 2027-06 | 16868.68 | 1001.35 | 15867.33 | 556333.58 |
| 27 | 2027-07 | 16868.68 | 973.58 | 15895.10 | 540438.49 |
| 28 | 2027-08 | 16868.68 | 945.77 | 15922.91 | 524515.57 |
| 29 | 2027-09 | 16868.68 | 917.90 | 15950.78 | 508564.79 |
| 30 | 2027-10 | 16868.68 | 889.99 | 15978.69 | 492586.10 |
| 31 | 2027-11 | 16868.68 | 862.03 | 16006.65 | 476579.45 |
| 32 | 2027-12 | 16868.68 | 834.01 | 16034.67 | 460544.78 |
| 33 | 2028-01 | 16868.68 | 805.95 | 16062.73 | 444482.05 |
| 34 | 2028-02 | 16868.68 | 777.84 | 16090.84 | 428391.22 |
| 35 | 2028-03 | 16868.68 | 749.68 | 16119.00 | 412272.22 |
| 36 | 2028-04 | 16868.68 | 721.48 | 16147.20 | 396125.02 |
| 37 | 2028-05 | 16868.68 | 693.22 | 16175.46 | 379949.56 |
| 38 | 2028-06 | 16868.68 | 664.91 | 16203.77 | 363745.79 |
| 39 | 2028-07 | 16868.68 | 636.56 | 16232.13 | 347513.66 |
| 40 | 2028-08 | 16868.68 | 608.15 | 16260.53 | 331253.13 |
| 41 | 2028-09 | 16868.68 | 579.69 | 16288.99 | 314964.14 |
| 42 | 2028-10 | 16868.68 | 551.19 | 16317.49 | 298646.65 |
| 43 | 2028-11 | 16868.68 | 522.63 | 16346.05 | 282300.60 |
| 44 | 2028-12 | 16868.68 | 494.03 | 16374.65 | 265925.95 |
| 45 | 2029-01 | 16868.68 | 465.37 | 16403.31 | 249522.64 |
| 46 | 2029-02 | 16868.68 | 436.66 | 16432.02 | 233090.62 |
| 47 | 2029-03 | 16868.68 | 407.91 | 16460.77 | 216629.85 |
| 48 | 2029-04 | 16868.68 | 379.10 | 16489.58 | 200140.27 |
| 49 | 2029-05 | 16868.68 | 350.25 | 16518.43 | 183621.84 |
| 50 | 2029-06 | 16868.68 | 321.34 | 16547.34 | 167074.49 |
| 51 | 2029-07 | 16868.68 | 292.38 | 16576.30 | 150498.19 |
| 52 | 2029-08 | 16868.68 | 263.37 | 16605.31 | 133892.89 |
| 53 | 2029-09 | 16868.68 | 234.31 | 16634.37 | 117258.52 |
| 54 | 2029-10 | 16868.68 | 205.20 | 16663.48 | 100595.04 |
| 55 | 2029-11 | 16868.68 | 176.04 | 16692.64 | 83902.40 |
| 56 | 2029-12 | 16868.68 | 146.83 | 16721.85 | 67180.55 |
| 57 | 2030-01 | 16868.68 | 117.57 | 16751.11 | 50429.44 |
| 58 | 2030-02 | 16868.68 | 88.25 | 16780.43 | 33649.01 |
| 59 | 2030-03 | 16868.68 | 58.89 | 16809.79 | 16839.21 |
| 60 | 2030-04 | 16868.68 | 29.47 | 16839.21 | 0.00 |
等额本金还款方式：
贷款总额：96万
还款月数：5年
首月还款：17680元
每月递减：28元
利息总额：5.12万
本息合计：101.12万
节省利息：880.82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 | 17680.00 | 1680.00 | 16000.00 | 944000.00 |
| 2 | 2025-06 | 17652.00 | 1652.00 | 16000.00 | 928000.00 |
| 3 | 2025-07 | 17624.00 | 1624.00 | 16000.00 | 912000.00 |
| 4 | 2025-08 | 17596.00 | 1596.00 | 16000.00 | 896000.00 |
| 5 | 2025-09 | 17568.00 | 1568.00 | 16000.00 | 880000.00 |
| 6 | 2025-10 | 17540.00 | 1540.00 | 16000.00 | 864000.00 |
| 7 | 2025-11 | 17512.00 | 1512.00 | 16000.00 | 848000.00 |
| 8 | 2025-12 | 17484.00 | 1484.00 | 16000.00 | 832000.00 |
| 9 | 2026-01 | 17456.00 | 1456.00 | 16000.00 | 816000.00 |
| 10 | 2026-02 | 17428.00 | 1428.00 | 16000.00 | 800000.00 |
| 11 | 2026-03 | 17400.00 | 1400.00 | 16000.00 | 784000.00 |
| 12 | 2026-04 | 17372.00 | 1372.00 | 16000.00 | 768000.00 |
| 13 | 2026-05 | 17344.00 | 1344.00 | 16000.00 | 752000.00 |
| 14 | 2026-06 | 17316.00 | 1316.00 | 16000.00 | 736000.00 |
| 15 | 2026-07 | 17288.00 | 1288.00 | 16000.00 | 720000.00 |
| 16 | 2026-08 | 17260.00 | 1260.00 | 16000.00 | 704000.00 |
| 17 | 2026-09 | 17232.00 | 1232.00 | 16000.00 | 688000.00 |
| 18 | 2026-10 | 17204.00 | 1204.00 | 16000.00 | 672000.00 |
| 19 | 2026-11 | 17176.00 | 1176.00 | 16000.00 | 656000.00 |
| 20 | 2026-12 | 17148.00 | 1148.00 | 16000.00 | 640000.00 |
| 21 | 2027-01 | 17120.00 | 1120.00 | 16000.00 | 624000.00 |
| 22 | 2027-02 | 17092.00 | 1092.00 | 16000.00 | 608000.00 |
| 23 | 2027-03 | 17064.00 | 1064.00 | 16000.00 | 592000.00 |
| 24 | 2027-04 | 17036.00 | 1036.00 | 16000.00 | 576000.00 |
| 25 | 2027-05 | 17008.00 | 1008.00 | 16000.00 | 560000.00 |
| 26 | 2027-06 | 16980.00 | 980.00 | 16000.00 | 544000.00 |
| 27 | 2027-07 | 16952.00 | 952.00 | 16000.00 | 528000.00 |
| 28 | 2027-08 | 16924.00 | 924.00 | 16000.00 | 512000.00 |
| 29 | 2027-09 | 16896.00 | 896.00 | 16000.00 | 496000.00 |
| 30 | 2027-10 | 16868.00 | 868.00 | 16000.00 | 480000.00 |
| 31 | 2027-11 | 16840.00 | 840.00 | 16000.00 | 464000.00 |
| 32 | 2027-12 | 16812.00 | 812.00 | 16000.00 | 448000.00 |
| 33 | 2028-01 | 16784.00 | 784.00 | 16000.00 | 432000.00 |
| 34 | 2028-02 | 16756.00 | 756.00 | 16000.00 | 416000.00 |
| 35 | 2028-03 | 16728.00 | 728.00 | 16000.00 | 400000.00 |
| 36 | 2028-04 | 16700.00 | 700.00 | 16000.00 | 384000.00 |
| 37 | 2028-05 | 16672.00 | 672.00 | 16000.00 | 368000.00 |
| 38 | 2028-06 | 16644.00 | 644.00 | 16000.00 | 352000.00 |
| 39 | 2028-07 | 16616.00 | 616.00 | 16000.00 | 336000.00 |
| 40 | 2028-08 | 16588.00 | 588.00 | 16000.00 | 320000.00 |
| 41 | 2028-09 | 16560.00 | 560.00 | 16000.00 | 304000.00 |
| 42 | 2028-10 | 16532.00 | 532.00 | 16000.00 | 288000.00 |
| 43 | 2028-11 | 16504.00 | 504.00 | 16000.00 | 272000.00 |
| 44 | 2028-12 | 16476.00 | 476.00 | 16000.00 | 256000.00 |
| 45 | 2029-01 | 16448.00 | 448.00 | 16000.00 | 240000.00 |
| 46 | 2029-02 | 16420.00 | 420.00 | 16000.00 | 224000.00 |
| 47 | 2029-03 | 16392.00 | 392.00 | 16000.00 | 208000.00 |
| 48 | 2029-04 | 16364.00 | 364.00 | 16000.00 | 192000.00 |
| 49 | 2029-05 | 16336.00 | 336.00 | 16000.00 | 176000.00 |
| 50 | 2029-06 | 16308.00 | 308.00 | 16000.00 | 160000.00 |
| 51 | 2029-07 | 16280.00 | 280.00 | 16000.00 | 144000.00 |
| 52 | 2029-08 | 16252.00 | 252.00 | 16000.00 | 128000.00 |
| 53 | 2029-09 | 16224.00 | 224.00 | 16000.00 | 112000.00 |
| 54 | 2029-10 | 16196.00 | 196.00 | 16000.00 | 96000.00 |
| 55 | 2029-11 | 16168.00 | 168.00 | 16000.00 | 80000.00 |
| 56 | 2029-12 | 16140.00 | 140.00 | 16000.00 | 64000.00 |
| 57 | 2030-01 | 16112.00 | 112.00 | 16000.00 | 48000.00 |
| 58 | 2030-02 | 16084.00 | 84.00 | 16000.00 | 32000.00 |
| 59 | 2030-03 | 16056.00 | 56.00 | 16000.00 | 16000.00 |
| 60 | 2030-04 | 16028.00 | 28.00 | 16000.00 | 0.00 |