昆明贷款85万（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：85万
还款月数：5年
每月还款：15368元
利息总额：7.21万
本息合计：92.21万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-05 | 15368.00 | 2302.08 | 13065.92 | 836934.08 |
| 2 | 2026-06 | 15368.00 | 2266.70 | 13101.31 | 823832.78 |
| 3 | 2026-07 | 15368.00 | 2231.21 | 13136.79 | 810695.99 |
| 4 | 2026-08 | 15368.00 | 2195.63 | 13172.37 | 797523.62 |
| 5 | 2026-09 | 15368.00 | 2159.96 | 13208.04 | 784315.58 |
| 6 | 2026-10 | 15368.00 | 2124.19 | 13243.81 | 771071.76 |
| 7 | 2026-11 | 15368.00 | 2088.32 | 13279.68 | 757792.08 |
| 8 | 2026-12 | 15368.00 | 2052.35 | 13315.65 | 744476.43 |
| 9 | 2027-01 | 15368.00 | 2016.29 | 13351.71 | 731124.72 |
| 10 | 2027-02 | 15368.00 | 1980.13 | 13387.87 | 717736.85 |
| 11 | 2027-03 | 15368.00 | 1943.87 | 13424.13 | 704312.72 |
| 12 | 2027-04 | 15368.00 | 1907.51 | 13460.49 | 690852.23 |
| 13 | 2027-05 | 15368.00 | 1871.06 | 13496.94 | 677355.29 |
| 14 | 2027-06 | 15368.00 | 1834.50 | 13533.50 | 663821.79 |
| 15 | 2027-07 | 15368.00 | 1797.85 | 13570.15 | 650251.64 |
| 16 | 2027-08 | 15368.00 | 1761.10 | 13606.90 | 636644.73 |
| 17 | 2027-09 | 15368.00 | 1724.25 | 13643.76 | 623000.98 |
| 18 | 2027-10 | 15368.00 | 1687.29 | 13680.71 | 609320.27 |
| 19 | 2027-11 | 15368.00 | 1650.24 | 13717.76 | 595602.51 |
| 20 | 2027-12 | 15368.00 | 1613.09 | 13754.91 | 581847.60 |
| 21 | 2028-01 | 15368.00 | 1575.84 | 13792.16 | 568055.43 |
| 22 | 2028-02 | 15368.00 | 1538.48 | 13829.52 | 554225.91 |
| 23 | 2028-03 | 15368.00 | 1501.03 | 13866.97 | 540358.94 |
| 24 | 2028-04 | 15368.00 | 1463.47 | 13904.53 | 526454.41 |
| 25 | 2028-05 | 15368.00 | 1425.81 | 13942.19 | 512512.22 |
| 26 | 2028-06 | 15368.00 | 1388.05 | 13979.95 | 498532.28 |
| 27 | 2028-07 | 15368.00 | 1350.19 | 14017.81 | 484514.47 |
| 28 | 2028-08 | 15368.00 | 1312.23 | 14055.78 | 470458.69 |
| 29 | 2028-09 | 15368.00 | 1274.16 | 14093.84 | 456364.85 |
| 30 | 2028-10 | 15368.00 | 1235.99 | 14132.01 | 442232.83 |
| 31 | 2028-11 | 15368.00 | 1197.71 | 14170.29 | 428062.54 |
| 32 | 2028-12 | 15368.00 | 1159.34 | 14208.67 | 413853.88 |
| 33 | 2029-01 | 15368.00 | 1120.85 | 14247.15 | 399606.73 |
| 34 | 2029-02 | 15368.00 | 1082.27 | 14285.73 | 385321.00 |
| 35 | 2029-03 | 15368.00 | 1043.58 | 14324.42 | 370996.57 |
| 36 | 2029-04 | 15368.00 | 1004.78 | 14363.22 | 356633.35 |
| 37 | 2029-05 | 15368.00 | 965.88 | 14402.12 | 342231.23 |
| 38 | 2029-06 | 15368.00 | 926.88 | 14441.13 | 327790.11 |
| 39 | 2029-07 | 15368.00 | 887.76 | 14480.24 | 313309.87 |
| 40 | 2029-08 | 15368.00 | 848.55 | 14519.45 | 298790.42 |
| 41 | 2029-09 | 15368.00 | 809.22 | 14558.78 | 284231.64 |
| 42 | 2029-10 | 15368.00 | 769.79 | 14598.21 | 269633.43 |
| 43 | 2029-11 | 15368.00 | 730.26 | 14637.74 | 254995.69 |
| 44 | 2029-12 | 15368.00 | 690.61 | 14677.39 | 240318.30 |
| 45 | 2030-01 | 15368.00 | 650.86 | 14717.14 | 225601.16 |
| 46 | 2030-02 | 15368.00 | 611.00 | 14757.00 | 210844.16 |
| 47 | 2030-03 | 15368.00 | 571.04 | 14796.97 | 196047.19 |
| 48 | 2030-04 | 15368.00 | 530.96 | 14837.04 | 181210.15 |
| 49 | 2030-05 | 15368.00 | 490.78 | 14877.22 | 166332.93 |
| 50 | 2030-06 | 15368.00 | 450.49 | 14917.52 | 151415.41 |
| 51 | 2030-07 | 15368.00 | 410.08 | 14957.92 | 136457.49 |
| 52 | 2030-08 | 15368.00 | 369.57 | 14998.43 | 121459.06 |
| 53 | 2030-09 | 15368.00 | 328.95 | 15039.05 | 106420.01 |
| 54 | 2030-10 | 15368.00 | 288.22 | 15079.78 | 91340.23 |
| 55 | 2030-11 | 15368.00 | 247.38 | 15120.62 | 76219.61 |
| 56 | 2030-12 | 15368.00 | 206.43 | 15161.57 | 61058.04 |
| 57 | 2031-01 | 15368.00 | 165.37 | 15202.64 | 45855.40 |
| 58 | 2031-02 | 15368.00 | 124.19 | 15243.81 | 30611.59 |
| 59 | 2031-03 | 15368.00 | 82.91 | 15285.10 | 15326.49 |
| 60 | 2031-04 | 15368.00 | 41.51 | 15326.49 | 0.00 |
等额本金还款方式：
贷款总额：85万
还款月数：5年
首月还款：16468.75元
每月递减：38.37元
利息总额：7.02万
本息合计：92.02万
节省利息：1866.58元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-05 | 16468.75 | 2302.08 | 14166.67 | 835833.33 |
| 2 | 2026-06 | 16430.38 | 2263.72 | 14166.67 | 821666.67 |
| 3 | 2026-07 | 16392.01 | 2225.35 | 14166.67 | 807500.00 |
| 4 | 2026-08 | 16353.65 | 2186.98 | 14166.67 | 793333.33 |
| 5 | 2026-09 | 16315.28 | 2148.61 | 14166.67 | 779166.67 |
| 6 | 2026-10 | 16276.91 | 2110.24 | 14166.67 | 765000.00 |
| 7 | 2026-11 | 16238.54 | 2071.88 | 14166.67 | 750833.33 |
| 8 | 2026-12 | 16200.17 | 2033.51 | 14166.67 | 736666.67 |
| 9 | 2027-01 | 16161.81 | 1995.14 | 14166.67 | 722500.00 |
| 10 | 2027-02 | 16123.44 | 1956.77 | 14166.67 | 708333.33 |
| 11 | 2027-03 | 16085.07 | 1918.40 | 14166.67 | 694166.67 |
| 12 | 2027-04 | 16046.70 | 1880.03 | 14166.67 | 680000.00 |
| 13 | 2027-05 | 16008.33 | 1841.67 | 14166.67 | 665833.33 |
| 14 | 2027-06 | 15969.97 | 1803.30 | 14166.67 | 651666.67 |
| 15 | 2027-07 | 15931.60 | 1764.93 | 14166.67 | 637500.00 |
| 16 | 2027-08 | 15893.23 | 1726.56 | 14166.67 | 623333.33 |
| 17 | 2027-09 | 15854.86 | 1688.19 | 14166.67 | 609166.67 |
| 18 | 2027-10 | 15816.49 | 1649.83 | 14166.67 | 595000.00 |
| 19 | 2027-11 | 15778.13 | 1611.46 | 14166.67 | 580833.33 |
| 20 | 2027-12 | 15739.76 | 1573.09 | 14166.67 | 566666.67 |
| 21 | 2028-01 | 15701.39 | 1534.72 | 14166.67 | 552500.00 |
| 22 | 2028-02 | 15663.02 | 1496.35 | 14166.67 | 538333.33 |
| 23 | 2028-03 | 15624.65 | 1457.99 | 14166.67 | 524166.67 |
| 24 | 2028-04 | 15586.28 | 1419.62 | 14166.67 | 510000.00 |
| 25 | 2028-05 | 15547.92 | 1381.25 | 14166.67 | 495833.33 |
| 26 | 2028-06 | 15509.55 | 1342.88 | 14166.67 | 481666.67 |
| 27 | 2028-07 | 15471.18 | 1304.51 | 14166.67 | 467500.00 |
| 28 | 2028-08 | 15432.81 | 1266.15 | 14166.67 | 453333.33 |
| 29 | 2028-09 | 15394.44 | 1227.78 | 14166.67 | 439166.67 |
| 30 | 2028-10 | 15356.08 | 1189.41 | 14166.67 | 425000.00 |
| 31 | 2028-11 | 15317.71 | 1151.04 | 14166.67 | 410833.33 |
| 32 | 2028-12 | 15279.34 | 1112.67 | 14166.67 | 396666.67 |
| 33 | 2029-01 | 15240.97 | 1074.31 | 14166.67 | 382500.00 |
| 34 | 2029-02 | 15202.60 | 1035.94 | 14166.67 | 368333.33 |
| 35 | 2029-03 | 15164.24 | 997.57 | 14166.67 | 354166.67 |
| 36 | 2029-04 | 15125.87 | 959.20 | 14166.67 | 340000.00 |
| 37 | 2029-05 | 15087.50 | 920.83 | 14166.67 | 325833.33 |
| 38 | 2029-06 | 15049.13 | 882.47 | 14166.67 | 311666.67 |
| 39 | 2029-07 | 15010.76 | 844.10 | 14166.67 | 297500.00 |
| 40 | 2029-08 | 14972.40 | 805.73 | 14166.67 | 283333.33 |
| 41 | 2029-09 | 14934.03 | 767.36 | 14166.67 | 269166.67 |
| 42 | 2029-10 | 14895.66 | 728.99 | 14166.67 | 255000.00 |
| 43 | 2029-11 | 14857.29 | 690.63 | 14166.67 | 240833.33 |
| 44 | 2029-12 | 14818.92 | 652.26 | 14166.67 | 226666.67 |
| 45 | 2030-01 | 14780.56 | 613.89 | 14166.67 | 212500.00 |
| 46 | 2030-02 | 14742.19 | 575.52 | 14166.67 | 198333.33 |
| 47 | 2030-03 | 14703.82 | 537.15 | 14166.67 | 184166.67 |
| 48 | 2030-04 | 14665.45 | 498.78 | 14166.67 | 170000.00 |
| 49 | 2030-05 | 14627.08 | 460.42 | 14166.67 | 155833.33 |
| 50 | 2030-06 | 14588.72 | 422.05 | 14166.67 | 141666.67 |
| 51 | 2030-07 | 14550.35 | 383.68 | 14166.67 | 127500.00 |
| 52 | 2030-08 | 14511.98 | 345.31 | 14166.67 | 113333.33 |
| 53 | 2030-09 | 14473.61 | 306.94 | 14166.67 | 99166.67 |
| 54 | 2030-10 | 14435.24 | 268.58 | 14166.67 | 85000.00 |
| 55 | 2030-11 | 14396.88 | 230.21 | 14166.67 | 70833.33 |
| 56 | 2030-12 | 14358.51 | 191.84 | 14166.67 | 56666.67 |
| 57 | 2031-01 | 14320.14 | 153.47 | 14166.67 | 42500.00 |
| 58 | 2031-02 | 14281.77 | 115.10 | 14166.67 | 28333.33 |
| 59 | 2031-03 | 14243.40 | 76.74 | 14166.67 | 14166.67 |
| 60 | 2031-04 | 14205.03 | 38.37 | 14166.67 | 0.00 |