贷款8.02万（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：8.02万
还款月数：5年
每月还款：1436.38元
利息总额：5947.55元
本息合计：8.62万
| 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 | 1436.38 | 190.56 | 1245.82 | 78989.18 |
| 2 | 2025-07 | 1436.38 | 187.60 | 1248.78 | 77740.41 |
| 3 | 2025-08 | 1436.38 | 184.63 | 1251.74 | 76488.66 |
| 4 | 2025-09 | 1436.38 | 181.66 | 1254.72 | 75233.95 |
| 5 | 2025-10 | 1436.38 | 178.68 | 1257.70 | 73976.25 |
| 6 | 2025-11 | 1436.38 | 175.69 | 1260.68 | 72715.57 |
| 7 | 2025-12 | 1436.38 | 172.70 | 1263.68 | 71451.89 |
| 8 | 2026-01 | 1436.38 | 169.70 | 1266.68 | 70185.22 |
| 9 | 2026-02 | 1436.38 | 166.69 | 1269.69 | 68915.53 |
| 10 | 2026-03 | 1436.38 | 163.67 | 1272.70 | 67642.83 |
| 11 | 2026-04 | 1436.38 | 160.65 | 1275.72 | 66367.11 |
| 12 | 2026-05 | 1436.38 | 157.62 | 1278.75 | 65088.35 |
| 13 | 2026-06 | 1436.38 | 154.58 | 1281.79 | 63806.56 |
| 14 | 2026-07 | 1436.38 | 151.54 | 1284.84 | 62521.72 |
| 15 | 2026-08 | 1436.38 | 148.49 | 1287.89 | 61233.84 |
| 16 | 2026-09 | 1436.38 | 145.43 | 1290.95 | 59942.89 |
| 17 | 2026-10 | 1436.38 | 142.36 | 1294.01 | 58648.88 |
| 18 | 2026-11 | 1436.38 | 139.29 | 1297.08 | 57351.80 |
| 19 | 2026-12 | 1436.38 | 136.21 | 1300.17 | 56051.63 |
| 20 | 2027-01 | 1436.38 | 133.12 | 1303.25 | 54748.38 |
| 21 | 2027-02 | 1436.38 | 130.03 | 1306.35 | 53442.03 |
| 22 | 2027-03 | 1436.38 | 126.92 | 1309.45 | 52132.58 |
| 23 | 2027-04 | 1436.38 | 123.81 | 1312.56 | 50820.02 |
| 24 | 2027-05 | 1436.38 | 120.70 | 1315.68 | 49504.34 |
| 25 | 2027-06 | 1436.38 | 117.57 | 1318.80 | 48185.54 |
| 26 | 2027-07 | 1436.38 | 114.44 | 1321.94 | 46863.60 |
| 27 | 2027-08 | 1436.38 | 111.30 | 1325.07 | 45538.53 |
| 28 | 2027-09 | 1436.38 | 108.15 | 1328.22 | 44210.30 |
| 29 | 2027-10 | 1436.38 | 105.00 | 1331.38 | 42878.93 |
| 30 | 2027-11 | 1436.38 | 101.84 | 1334.54 | 41544.39 |
| 31 | 2027-12 | 1436.38 | 98.67 | 1337.71 | 40206.68 |
| 32 | 2028-01 | 1436.38 | 95.49 | 1340.88 | 38865.80 |
| 33 | 2028-02 | 1436.38 | 92.31 | 1344.07 | 37521.73 |
| 34 | 2028-03 | 1436.38 | 89.11 | 1347.26 | 36174.47 |
| 35 | 2028-04 | 1436.38 | 85.91 | 1350.46 | 34824.00 |
| 36 | 2028-05 | 1436.38 | 82.71 | 1353.67 | 33470.33 |
| 37 | 2028-06 | 1436.38 | 79.49 | 1356.88 | 32113.45 |
| 38 | 2028-07 | 1436.38 | 76.27 | 1360.11 | 30753.34 |
| 39 | 2028-08 | 1436.38 | 73.04 | 1363.34 | 29390.01 |
| 40 | 2028-09 | 1436.38 | 69.80 | 1366.57 | 28023.43 |
| 41 | 2028-10 | 1436.38 | 66.56 | 1369.82 | 26653.61 |
| 42 | 2028-11 | 1436.38 | 63.30 | 1373.07 | 25280.54 |
| 43 | 2028-12 | 1436.38 | 60.04 | 1376.33 | 23904.20 |
| 44 | 2029-01 | 1436.38 | 56.77 | 1379.60 | 22524.60 |
| 45 | 2029-02 | 1436.38 | 53.50 | 1382.88 | 21141.72 |
| 46 | 2029-03 | 1436.38 | 50.21 | 1386.16 | 19755.56 |
| 47 | 2029-04 | 1436.38 | 46.92 | 1389.46 | 18366.10 |
| 48 | 2029-05 | 1436.38 | 43.62 | 1392.76 | 16973.34 |
| 49 | 2029-06 | 1436.38 | 40.31 | 1396.06 | 15577.28 |
| 50 | 2029-07 | 1436.38 | 37.00 | 1399.38 | 14177.90 |
| 51 | 2029-08 | 1436.38 | 33.67 | 1402.70 | 12775.20 |
| 52 | 2029-09 | 1436.38 | 30.34 | 1406.03 | 11369.16 |
| 53 | 2029-10 | 1436.38 | 27.00 | 1409.37 | 9959.79 |
| 54 | 2029-11 | 1436.38 | 23.65 | 1412.72 | 8547.07 |
| 55 | 2029-12 | 1436.38 | 20.30 | 1416.08 | 7130.99 |
| 56 | 2030-01 | 1436.38 | 16.94 | 1419.44 | 5711.55 |
| 57 | 2030-02 | 1436.38 | 13.56 | 1422.81 | 4288.74 |
| 58 | 2030-03 | 1436.38 | 10.19 | 1426.19 | 2862.55 |
| 59 | 2030-04 | 1436.38 | 6.80 | 1429.58 | 1432.97 |
| 60 | 2030-05 | 1436.38 | 3.40 | 1432.97 | 0.00 |
等额本金还款方式：
贷款总额：8.02万
还款月数：5年
首月还款：1527.81元
每月递减：3.18元
利息总额：5812.02元
本息合计：8.6万
节省利息：135.53元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 1527.81 | 190.56 | 1337.25 | 78897.75 |
| 2 | 2025-07 | 1524.63 | 187.38 | 1337.25 | 77560.50 |
| 3 | 2025-08 | 1521.46 | 184.21 | 1337.25 | 76223.25 |
| 4 | 2025-09 | 1518.28 | 181.03 | 1337.25 | 74886.00 |
| 5 | 2025-10 | 1515.10 | 177.85 | 1337.25 | 73548.75 |
| 6 | 2025-11 | 1511.93 | 174.68 | 1337.25 | 72211.50 |
| 7 | 2025-12 | 1508.75 | 171.50 | 1337.25 | 70874.25 |
| 8 | 2026-01 | 1505.58 | 168.33 | 1337.25 | 69537.00 |
| 9 | 2026-02 | 1502.40 | 165.15 | 1337.25 | 68199.75 |
| 10 | 2026-03 | 1499.22 | 161.97 | 1337.25 | 66862.50 |
| 11 | 2026-04 | 1496.05 | 158.80 | 1337.25 | 65525.25 |
| 12 | 2026-05 | 1492.87 | 155.62 | 1337.25 | 64188.00 |
| 13 | 2026-06 | 1489.70 | 152.45 | 1337.25 | 62850.75 |
| 14 | 2026-07 | 1486.52 | 149.27 | 1337.25 | 61513.50 |
| 15 | 2026-08 | 1483.34 | 146.09 | 1337.25 | 60176.25 |
| 16 | 2026-09 | 1480.17 | 142.92 | 1337.25 | 58839.00 |
| 17 | 2026-10 | 1476.99 | 139.74 | 1337.25 | 57501.75 |
| 18 | 2026-11 | 1473.82 | 136.57 | 1337.25 | 56164.50 |
| 19 | 2026-12 | 1470.64 | 133.39 | 1337.25 | 54827.25 |
| 20 | 2027-01 | 1467.46 | 130.21 | 1337.25 | 53490.00 |
| 21 | 2027-02 | 1464.29 | 127.04 | 1337.25 | 52152.75 |
| 22 | 2027-03 | 1461.11 | 123.86 | 1337.25 | 50815.50 |
| 23 | 2027-04 | 1457.94 | 120.69 | 1337.25 | 49478.25 |
| 24 | 2027-05 | 1454.76 | 117.51 | 1337.25 | 48141.00 |
| 25 | 2027-06 | 1451.58 | 114.33 | 1337.25 | 46803.75 |
| 26 | 2027-07 | 1448.41 | 111.16 | 1337.25 | 45466.50 |
| 27 | 2027-08 | 1445.23 | 107.98 | 1337.25 | 44129.25 |
| 28 | 2027-09 | 1442.06 | 104.81 | 1337.25 | 42792.00 |
| 29 | 2027-10 | 1438.88 | 101.63 | 1337.25 | 41454.75 |
| 30 | 2027-11 | 1435.71 | 98.46 | 1337.25 | 40117.50 |
| 31 | 2027-12 | 1432.53 | 95.28 | 1337.25 | 38780.25 |
| 32 | 2028-01 | 1429.35 | 92.10 | 1337.25 | 37443.00 |
| 33 | 2028-02 | 1426.18 | 88.93 | 1337.25 | 36105.75 |
| 34 | 2028-03 | 1423.00 | 85.75 | 1337.25 | 34768.50 |
| 35 | 2028-04 | 1419.83 | 82.58 | 1337.25 | 33431.25 |
| 36 | 2028-05 | 1416.65 | 79.40 | 1337.25 | 32094.00 |
| 37 | 2028-06 | 1413.47 | 76.22 | 1337.25 | 30756.75 |
| 38 | 2028-07 | 1410.30 | 73.05 | 1337.25 | 29419.50 |
| 39 | 2028-08 | 1407.12 | 69.87 | 1337.25 | 28082.25 |
| 40 | 2028-09 | 1403.95 | 66.70 | 1337.25 | 26745.00 |
| 41 | 2028-10 | 1400.77 | 63.52 | 1337.25 | 25407.75 |
| 42 | 2028-11 | 1397.59 | 60.34 | 1337.25 | 24070.50 |
| 43 | 2028-12 | 1394.42 | 57.17 | 1337.25 | 22733.25 |
| 44 | 2029-01 | 1391.24 | 53.99 | 1337.25 | 21396.00 |
| 45 | 2029-02 | 1388.07 | 50.82 | 1337.25 | 20058.75 |
| 46 | 2029-03 | 1384.89 | 47.64 | 1337.25 | 18721.50 |
| 47 | 2029-04 | 1381.71 | 44.46 | 1337.25 | 17384.25 |
| 48 | 2029-05 | 1378.54 | 41.29 | 1337.25 | 16047.00 |
| 49 | 2029-06 | 1375.36 | 38.11 | 1337.25 | 14709.75 |
| 50 | 2029-07 | 1372.19 | 34.94 | 1337.25 | 13372.50 |
| 51 | 2029-08 | 1369.01 | 31.76 | 1337.25 | 12035.25 |
| 52 | 2029-09 | 1365.83 | 28.58 | 1337.25 | 10698.00 |
| 53 | 2029-10 | 1362.66 | 25.41 | 1337.25 | 9360.75 |
| 54 | 2029-11 | 1359.48 | 22.23 | 1337.25 | 8023.50 |
| 55 | 2029-12 | 1356.31 | 19.06 | 1337.25 | 6686.25 |
| 56 | 2030-01 | 1353.13 | 15.88 | 1337.25 | 5349.00 |
| 57 | 2030-02 | 1349.95 | 12.70 | 1337.25 | 4011.75 |
| 58 | 2030-03 | 1346.78 | 9.53 | 1337.25 | 2674.50 |
| 59 | 2030-04 | 1343.60 | 6.35 | 1337.25 | 1337.25 |
| 60 | 2030-05 | 1340.43 | 3.18 | 1337.25 | 0.00 |