贷款7.2万（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：7.2万
还款月数：5年
每月还款：1281.7元
利息总额：4861.93元
本息合计：7.69万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 1281.70 | 156.09 | 1125.61 | 70914.39 |
| 2 | 2026-02 | 1281.70 | 153.65 | 1128.05 | 69786.34 |
| 3 | 2026-03 | 1281.70 | 151.20 | 1130.50 | 68655.84 |
| 4 | 2026-04 | 1281.70 | 148.75 | 1132.94 | 67522.90 |
| 5 | 2026-05 | 1281.70 | 146.30 | 1135.40 | 66387.50 |
| 6 | 2026-06 | 1281.70 | 143.84 | 1137.86 | 65249.64 |
| 7 | 2026-07 | 1281.70 | 141.37 | 1140.32 | 64109.31 |
| 8 | 2026-08 | 1281.70 | 138.90 | 1142.80 | 62966.52 |
| 9 | 2026-09 | 1281.70 | 136.43 | 1145.27 | 61821.25 |
| 10 | 2026-10 | 1281.70 | 133.95 | 1147.75 | 60673.49 |
| 11 | 2026-11 | 1281.70 | 131.46 | 1150.24 | 59523.25 |
| 12 | 2026-12 | 1281.70 | 128.97 | 1152.73 | 58370.52 |
| 13 | 2027-01 | 1281.70 | 126.47 | 1155.23 | 57215.29 |
| 14 | 2027-02 | 1281.70 | 123.97 | 1157.73 | 56057.56 |
| 15 | 2027-03 | 1281.70 | 121.46 | 1160.24 | 54897.32 |
| 16 | 2027-04 | 1281.70 | 118.94 | 1162.75 | 53734.57 |
| 17 | 2027-05 | 1281.70 | 116.42 | 1165.27 | 52569.29 |
| 18 | 2027-06 | 1281.70 | 113.90 | 1167.80 | 51401.49 |
| 19 | 2027-07 | 1281.70 | 111.37 | 1170.33 | 50231.16 |
| 20 | 2027-08 | 1281.70 | 108.83 | 1172.86 | 49058.30 |
| 21 | 2027-09 | 1281.70 | 106.29 | 1175.41 | 47882.89 |
| 22 | 2027-10 | 1281.70 | 103.75 | 1177.95 | 46704.94 |
| 23 | 2027-11 | 1281.70 | 101.19 | 1180.50 | 45524.44 |
| 24 | 2027-12 | 1281.70 | 98.64 | 1183.06 | 44341.37 |
| 25 | 2028-01 | 1281.70 | 96.07 | 1185.63 | 43155.75 |
| 26 | 2028-02 | 1281.70 | 93.50 | 1188.19 | 41967.55 |
| 27 | 2028-03 | 1281.70 | 90.93 | 1190.77 | 40776.78 |
| 28 | 2028-04 | 1281.70 | 88.35 | 1193.35 | 39583.43 |
| 29 | 2028-05 | 1281.70 | 85.76 | 1195.93 | 38387.50 |
| 30 | 2028-06 | 1281.70 | 83.17 | 1198.53 | 37188.97 |
| 31 | 2028-07 | 1281.70 | 80.58 | 1201.12 | 35987.85 |
| 32 | 2028-08 | 1281.70 | 77.97 | 1203.73 | 34784.12 |
| 33 | 2028-09 | 1281.70 | 75.37 | 1206.33 | 33577.79 |
| 34 | 2028-10 | 1281.70 | 72.75 | 1208.95 | 32368.84 |
| 35 | 2028-11 | 1281.70 | 70.13 | 1211.57 | 31157.28 |
| 36 | 2028-12 | 1281.70 | 67.51 | 1214.19 | 29943.09 |
| 37 | 2029-01 | 1281.70 | 64.88 | 1216.82 | 28726.26 |
| 38 | 2029-02 | 1281.70 | 62.24 | 1219.46 | 27506.81 |
| 39 | 2029-03 | 1281.70 | 59.60 | 1222.10 | 26284.71 |
| 40 | 2029-04 | 1281.70 | 56.95 | 1224.75 | 25059.96 |
| 41 | 2029-05 | 1281.70 | 54.30 | 1227.40 | 23832.55 |
| 42 | 2029-06 | 1281.70 | 51.64 | 1230.06 | 22602.49 |
| 43 | 2029-07 | 1281.70 | 48.97 | 1232.73 | 21369.77 |
| 44 | 2029-08 | 1281.70 | 46.30 | 1235.40 | 20134.37 |
| 45 | 2029-09 | 1281.70 | 43.62 | 1238.07 | 18896.29 |
| 46 | 2029-10 | 1281.70 | 40.94 | 1240.76 | 17655.54 |
| 47 | 2029-11 | 1281.70 | 38.25 | 1243.45 | 16412.09 |
| 48 | 2029-12 | 1281.70 | 35.56 | 1246.14 | 15165.95 |
| 49 | 2030-01 | 1281.70 | 32.86 | 1248.84 | 13917.11 |
| 50 | 2030-02 | 1281.70 | 30.15 | 1251.55 | 12665.57 |
| 51 | 2030-03 | 1281.70 | 27.44 | 1254.26 | 11411.31 |
| 52 | 2030-04 | 1281.70 | 24.72 | 1256.97 | 10154.34 |
| 53 | 2030-05 | 1281.70 | 22.00 | 1259.70 | 8894.64 |
| 54 | 2030-06 | 1281.70 | 19.27 | 1262.43 | 7632.21 |
| 55 | 2030-07 | 1281.70 | 16.54 | 1265.16 | 6367.05 |
| 56 | 2030-08 | 1281.70 | 13.80 | 1267.90 | 5099.15 |
| 57 | 2030-09 | 1281.70 | 11.05 | 1270.65 | 3828.49 |
| 58 | 2030-10 | 1281.70 | 8.30 | 1273.40 | 2555.09 |
| 59 | 2030-11 | 1281.70 | 5.54 | 1276.16 | 1278.93 |
| 60 | 2030-12 | 1281.70 | 2.77 | 1278.93 | 0.00 |
等额本金还款方式：
贷款总额：7.2万
还款月数：5年
首月还款：1356.75元
每月递减：2.6元
利息总额：4760.64元
本息合计：7.68万
节省利息：101.29元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 1356.75 | 156.09 | 1200.67 | 70839.33 |
| 2 | 2026-02 | 1354.15 | 153.49 | 1200.67 | 69638.67 |
| 3 | 2026-03 | 1351.55 | 150.88 | 1200.67 | 68438.00 |
| 4 | 2026-04 | 1348.95 | 148.28 | 1200.67 | 67237.33 |
| 5 | 2026-05 | 1346.35 | 145.68 | 1200.67 | 66036.67 |
| 6 | 2026-06 | 1343.75 | 143.08 | 1200.67 | 64836.00 |
| 7 | 2026-07 | 1341.14 | 140.48 | 1200.67 | 63635.33 |
| 8 | 2026-08 | 1338.54 | 137.88 | 1200.67 | 62434.67 |
| 9 | 2026-09 | 1335.94 | 135.28 | 1200.67 | 61234.00 |
| 10 | 2026-10 | 1333.34 | 132.67 | 1200.67 | 60033.33 |
| 11 | 2026-11 | 1330.74 | 130.07 | 1200.67 | 58832.67 |
| 12 | 2026-12 | 1328.14 | 127.47 | 1200.67 | 57632.00 |
| 13 | 2027-01 | 1325.54 | 124.87 | 1200.67 | 56431.33 |
| 14 | 2027-02 | 1322.93 | 122.27 | 1200.67 | 55230.67 |
| 15 | 2027-03 | 1320.33 | 119.67 | 1200.67 | 54030.00 |
| 16 | 2027-04 | 1317.73 | 117.07 | 1200.67 | 52829.33 |
| 17 | 2027-05 | 1315.13 | 114.46 | 1200.67 | 51628.67 |
| 18 | 2027-06 | 1312.53 | 111.86 | 1200.67 | 50428.00 |
| 19 | 2027-07 | 1309.93 | 109.26 | 1200.67 | 49227.33 |
| 20 | 2027-08 | 1307.33 | 106.66 | 1200.67 | 48026.67 |
| 21 | 2027-09 | 1304.72 | 104.06 | 1200.67 | 46826.00 |
| 22 | 2027-10 | 1302.12 | 101.46 | 1200.67 | 45625.33 |
| 23 | 2027-11 | 1299.52 | 98.85 | 1200.67 | 44424.67 |
| 24 | 2027-12 | 1296.92 | 96.25 | 1200.67 | 43224.00 |
| 25 | 2028-01 | 1294.32 | 93.65 | 1200.67 | 42023.33 |
| 26 | 2028-02 | 1291.72 | 91.05 | 1200.67 | 40822.67 |
| 27 | 2028-03 | 1289.12 | 88.45 | 1200.67 | 39622.00 |
| 28 | 2028-04 | 1286.51 | 85.85 | 1200.67 | 38421.33 |
| 29 | 2028-05 | 1283.91 | 83.25 | 1200.67 | 37220.67 |
| 30 | 2028-06 | 1281.31 | 80.64 | 1200.67 | 36020.00 |
| 31 | 2028-07 | 1278.71 | 78.04 | 1200.67 | 34819.33 |
| 32 | 2028-08 | 1276.11 | 75.44 | 1200.67 | 33618.67 |
| 33 | 2028-09 | 1273.51 | 72.84 | 1200.67 | 32418.00 |
| 34 | 2028-10 | 1270.91 | 70.24 | 1200.67 | 31217.33 |
| 35 | 2028-11 | 1268.30 | 67.64 | 1200.67 | 30016.67 |
| 36 | 2028-12 | 1265.70 | 65.04 | 1200.67 | 28816.00 |
| 37 | 2029-01 | 1263.10 | 62.43 | 1200.67 | 27615.33 |
| 38 | 2029-02 | 1260.50 | 59.83 | 1200.67 | 26414.67 |
| 39 | 2029-03 | 1257.90 | 57.23 | 1200.67 | 25214.00 |
| 40 | 2029-04 | 1255.30 | 54.63 | 1200.67 | 24013.33 |
| 41 | 2029-05 | 1252.70 | 52.03 | 1200.67 | 22812.67 |
| 42 | 2029-06 | 1250.09 | 49.43 | 1200.67 | 21612.00 |
| 43 | 2029-07 | 1247.49 | 46.83 | 1200.67 | 20411.33 |
| 44 | 2029-08 | 1244.89 | 44.22 | 1200.67 | 19210.67 |
| 45 | 2029-09 | 1242.29 | 41.62 | 1200.67 | 18010.00 |
| 46 | 2029-10 | 1239.69 | 39.02 | 1200.67 | 16809.33 |
| 47 | 2029-11 | 1237.09 | 36.42 | 1200.67 | 15608.67 |
| 48 | 2029-12 | 1234.49 | 33.82 | 1200.67 | 14408.00 |
| 49 | 2030-01 | 1231.88 | 31.22 | 1200.67 | 13207.33 |
| 50 | 2030-02 | 1229.28 | 28.62 | 1200.67 | 12006.67 |
| 51 | 2030-03 | 1226.68 | 26.01 | 1200.67 | 10806.00 |
| 52 | 2030-04 | 1224.08 | 23.41 | 1200.67 | 9605.33 |
| 53 | 2030-05 | 1221.48 | 20.81 | 1200.67 | 8404.67 |
| 54 | 2030-06 | 1218.88 | 18.21 | 1200.67 | 7204.00 |
| 55 | 2030-07 | 1216.28 | 15.61 | 1200.67 | 6003.33 |
| 56 | 2030-08 | 1213.67 | 13.01 | 1200.67 | 4802.67 |
| 57 | 2030-09 | 1211.07 | 10.41 | 1200.67 | 3602.00 |
| 58 | 2030-10 | 1208.47 | 7.80 | 1200.67 | 2401.33 |
| 59 | 2030-11 | 1205.87 | 5.20 | 1200.67 | 1200.67 |
| 60 | 2030-12 | 1203.27 | 2.60 | 1200.67 | 0.00 |