贷款7.68万（公积金贷款）房贷，还款5年5个月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：7.68万
还款月数：5年5个月
每月还款：1276.92元
利息总额：6173.53元
本息合计：8.3万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 1276.92 | 182.46 | 1094.45 | 75731.55 |
| 2 | 2025-10 | 1276.92 | 179.86 | 1097.05 | 74634.49 |
| 3 | 2025-11 | 1276.92 | 177.26 | 1099.66 | 73534.83 |
| 4 | 2025-12 | 1276.92 | 174.65 | 1102.27 | 72432.56 |
| 5 | 2026-01 | 1276.92 | 172.03 | 1104.89 | 71327.67 |
| 6 | 2026-02 | 1276.92 | 169.40 | 1107.51 | 70220.16 |
| 7 | 2026-03 | 1276.92 | 166.77 | 1110.14 | 69110.02 |
| 8 | 2026-04 | 1276.92 | 164.14 | 1112.78 | 67997.24 |
| 9 | 2026-05 | 1276.92 | 161.49 | 1115.42 | 66881.82 |
| 10 | 2026-06 | 1276.92 | 158.84 | 1118.07 | 65763.74 |
| 11 | 2026-07 | 1276.92 | 156.19 | 1120.73 | 64643.02 |
| 12 | 2026-08 | 1276.92 | 153.53 | 1123.39 | 63519.63 |
| 13 | 2026-09 | 1276.92 | 150.86 | 1126.06 | 62393.57 |
| 14 | 2026-10 | 1276.92 | 148.18 | 1128.73 | 61264.84 |
| 15 | 2026-11 | 1276.92 | 145.50 | 1131.41 | 60133.43 |
| 16 | 2026-12 | 1276.92 | 142.82 | 1134.10 | 58999.33 |
| 17 | 2027-01 | 1276.92 | 140.12 | 1136.79 | 57862.54 |
| 18 | 2027-02 | 1276.92 | 137.42 | 1139.49 | 56723.05 |
| 19 | 2027-03 | 1276.92 | 134.72 | 1142.20 | 55580.85 |
| 20 | 2027-04 | 1276.92 | 132.00 | 1144.91 | 54435.93 |
| 21 | 2027-05 | 1276.92 | 129.29 | 1147.63 | 53288.30 |
| 22 | 2027-06 | 1276.92 | 126.56 | 1150.36 | 52137.95 |
| 23 | 2027-07 | 1276.92 | 123.83 | 1153.09 | 50984.86 |
| 24 | 2027-08 | 1276.92 | 121.09 | 1155.83 | 49829.03 |
| 25 | 2027-09 | 1276.92 | 118.34 | 1158.57 | 48670.46 |
| 26 | 2027-10 | 1276.92 | 115.59 | 1161.32 | 47509.14 |
| 27 | 2027-11 | 1276.92 | 112.83 | 1164.08 | 46345.06 |
| 28 | 2027-12 | 1276.92 | 110.07 | 1166.85 | 45178.21 |
| 29 | 2028-01 | 1276.92 | 107.30 | 1169.62 | 44008.59 |
| 30 | 2028-02 | 1276.92 | 104.52 | 1172.40 | 42836.20 |
| 31 | 2028-03 | 1276.92 | 101.74 | 1175.18 | 41661.02 |
| 32 | 2028-04 | 1276.92 | 98.94 | 1177.97 | 40483.05 |
| 33 | 2028-05 | 1276.92 | 96.15 | 1180.77 | 39302.28 |
| 34 | 2028-06 | 1276.92 | 93.34 | 1183.57 | 38118.70 |
| 35 | 2028-07 | 1276.92 | 90.53 | 1186.38 | 36932.32 |
| 36 | 2028-08 | 1276.92 | 87.71 | 1189.20 | 35743.12 |
| 37 | 2028-09 | 1276.92 | 84.89 | 1192.03 | 34551.09 |
| 38 | 2028-10 | 1276.92 | 82.06 | 1194.86 | 33356.23 |
| 39 | 2028-11 | 1276.92 | 79.22 | 1197.69 | 32158.54 |
| 40 | 2028-12 | 1276.92 | 76.38 | 1200.54 | 30958.00 |
| 41 | 2029-01 | 1276.92 | 73.53 | 1203.39 | 29754.61 |
| 42 | 2029-02 | 1276.92 | 70.67 | 1206.25 | 28548.36 |
| 43 | 2029-03 | 1276.92 | 67.80 | 1209.11 | 27339.25 |
| 44 | 2029-04 | 1276.92 | 64.93 | 1211.99 | 26127.26 |
| 45 | 2029-05 | 1276.92 | 62.05 | 1214.86 | 24912.40 |
| 46 | 2029-06 | 1276.92 | 59.17 | 1217.75 | 23694.65 |
| 47 | 2029-07 | 1276.92 | 56.27 | 1220.64 | 22474.01 |
| 48 | 2029-08 | 1276.92 | 53.38 | 1223.54 | 21250.47 |
| 49 | 2029-09 | 1276.92 | 50.47 | 1226.45 | 20024.02 |
| 50 | 2029-10 | 1276.92 | 47.56 | 1229.36 | 18794.66 |
| 51 | 2029-11 | 1276.92 | 44.64 | 1232.28 | 17562.39 |
| 52 | 2029-12 | 1276.92 | 41.71 | 1235.21 | 16327.18 |
| 53 | 2030-01 | 1276.92 | 38.78 | 1238.14 | 15089.04 |
| 54 | 2030-02 | 1276.92 | 35.84 | 1241.08 | 13847.96 |
| 55 | 2030-03 | 1276.92 | 32.89 | 1244.03 | 12603.93 |
| 56 | 2030-04 | 1276.92 | 29.93 | 1246.98 | 11356.95 |
| 57 | 2030-05 | 1276.92 | 26.97 | 1249.94 | 10107.01 |
| 58 | 2030-06 | 1276.92 | 24.00 | 1252.91 | 8854.10 |
| 59 | 2030-07 | 1276.92 | 21.03 | 1255.89 | 7598.21 |
| 60 | 2030-08 | 1276.92 | 18.05 | 1258.87 | 6339.34 |
| 61 | 2030-09 | 1276.92 | 15.06 | 1261.86 | 5077.48 |
| 62 | 2030-10 | 1276.92 | 12.06 | 1264.86 | 3812.62 |
| 63 | 2030-11 | 1276.92 | 9.05 | 1267.86 | 2544.76 |
| 64 | 2030-12 | 1276.92 | 6.04 | 1270.87 | 1273.89 |
| 65 | 2031-01 | 1276.92 | 3.03 | 1273.89 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：5年5个月
首月还款：1364.4元
每月递减：2.81元
利息总额：6021.24元
本息合计：8.28万
节省利息：152.3元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 1364.40 | 182.46 | 1181.94 | 75644.06 |
| 2 | 2025-10 | 1361.59 | 179.65 | 1181.94 | 74462.12 |
| 3 | 2025-11 | 1358.79 | 176.85 | 1181.94 | 73280.18 |
| 4 | 2025-12 | 1355.98 | 174.04 | 1181.94 | 72098.25 |
| 5 | 2026-01 | 1353.17 | 171.23 | 1181.94 | 70916.31 |
| 6 | 2026-02 | 1350.36 | 168.43 | 1181.94 | 69734.37 |
| 7 | 2026-03 | 1347.56 | 165.62 | 1181.94 | 68552.43 |
| 8 | 2026-04 | 1344.75 | 162.81 | 1181.94 | 67370.49 |
| 9 | 2026-05 | 1341.94 | 160.00 | 1181.94 | 66188.55 |
| 10 | 2026-06 | 1339.14 | 157.20 | 1181.94 | 65006.62 |
| 11 | 2026-07 | 1336.33 | 154.39 | 1181.94 | 63824.68 |
| 12 | 2026-08 | 1333.52 | 151.58 | 1181.94 | 62642.74 |
| 13 | 2026-09 | 1330.71 | 148.78 | 1181.94 | 61460.80 |
| 14 | 2026-10 | 1327.91 | 145.97 | 1181.94 | 60278.86 |
| 15 | 2026-11 | 1325.10 | 143.16 | 1181.94 | 59096.92 |
| 16 | 2026-12 | 1322.29 | 140.36 | 1181.94 | 57914.98 |
| 17 | 2027-01 | 1319.49 | 137.55 | 1181.94 | 56733.05 |
| 18 | 2027-02 | 1316.68 | 134.74 | 1181.94 | 55551.11 |
| 19 | 2027-03 | 1313.87 | 131.93 | 1181.94 | 54369.17 |
| 20 | 2027-04 | 1311.07 | 129.13 | 1181.94 | 53187.23 |
| 21 | 2027-05 | 1308.26 | 126.32 | 1181.94 | 52005.29 |
| 22 | 2027-06 | 1305.45 | 123.51 | 1181.94 | 50823.35 |
| 23 | 2027-07 | 1302.64 | 120.71 | 1181.94 | 49641.42 |
| 24 | 2027-08 | 1299.84 | 117.90 | 1181.94 | 48459.48 |
| 25 | 2027-09 | 1297.03 | 115.09 | 1181.94 | 47277.54 |
| 26 | 2027-10 | 1294.22 | 112.28 | 1181.94 | 46095.60 |
| 27 | 2027-11 | 1291.42 | 109.48 | 1181.94 | 44913.66 |
| 28 | 2027-12 | 1288.61 | 106.67 | 1181.94 | 43731.72 |
| 29 | 2028-01 | 1285.80 | 103.86 | 1181.94 | 42549.78 |
| 30 | 2028-02 | 1282.99 | 101.06 | 1181.94 | 41367.85 |
| 31 | 2028-03 | 1280.19 | 98.25 | 1181.94 | 40185.91 |
| 32 | 2028-04 | 1277.38 | 95.44 | 1181.94 | 39003.97 |
| 33 | 2028-05 | 1274.57 | 92.63 | 1181.94 | 37822.03 |
| 34 | 2028-06 | 1271.77 | 89.83 | 1181.94 | 36640.09 |
| 35 | 2028-07 | 1268.96 | 87.02 | 1181.94 | 35458.15 |
| 36 | 2028-08 | 1266.15 | 84.21 | 1181.94 | 34276.22 |
| 37 | 2028-09 | 1263.34 | 81.41 | 1181.94 | 33094.28 |
| 38 | 2028-10 | 1260.54 | 78.60 | 1181.94 | 31912.34 |
| 39 | 2028-11 | 1257.73 | 75.79 | 1181.94 | 30730.40 |
| 40 | 2028-12 | 1254.92 | 72.98 | 1181.94 | 29548.46 |
| 41 | 2029-01 | 1252.12 | 70.18 | 1181.94 | 28366.52 |
| 42 | 2029-02 | 1249.31 | 67.37 | 1181.94 | 27184.58 |
| 43 | 2029-03 | 1246.50 | 64.56 | 1181.94 | 26002.65 |
| 44 | 2029-04 | 1243.69 | 61.76 | 1181.94 | 24820.71 |
| 45 | 2029-05 | 1240.89 | 58.95 | 1181.94 | 23638.77 |
| 46 | 2029-06 | 1238.08 | 56.14 | 1181.94 | 22456.83 |
| 47 | 2029-07 | 1235.27 | 53.33 | 1181.94 | 21274.89 |
| 48 | 2029-08 | 1232.47 | 50.53 | 1181.94 | 20092.95 |
| 49 | 2029-09 | 1229.66 | 47.72 | 1181.94 | 18911.02 |
| 50 | 2029-10 | 1226.85 | 44.91 | 1181.94 | 17729.08 |
| 51 | 2029-11 | 1224.05 | 42.11 | 1181.94 | 16547.14 |
| 52 | 2029-12 | 1221.24 | 39.30 | 1181.94 | 15365.20 |
| 53 | 2030-01 | 1218.43 | 36.49 | 1181.94 | 14183.26 |
| 54 | 2030-02 | 1215.62 | 33.69 | 1181.94 | 13001.32 |
| 55 | 2030-03 | 1212.82 | 30.88 | 1181.94 | 11819.38 |
| 56 | 2030-04 | 1210.01 | 28.07 | 1181.94 | 10637.45 |
| 57 | 2030-05 | 1207.20 | 25.26 | 1181.94 | 9455.51 |
| 58 | 2030-06 | 1204.40 | 22.46 | 1181.94 | 8273.57 |
| 59 | 2030-07 | 1201.59 | 19.65 | 1181.94 | 7091.63 |
| 60 | 2030-08 | 1198.78 | 16.84 | 1181.94 | 5909.69 |
| 61 | 2030-09 | 1195.97 | 14.04 | 1181.94 | 4727.75 |
| 62 | 2030-10 | 1193.17 | 11.23 | 1181.94 | 3545.82 |
| 63 | 2030-11 | 1190.36 | 8.42 | 1181.94 | 2363.88 |
| 64 | 2030-12 | 1187.55 | 5.61 | 1181.94 | 1181.94 |
| 65 | 2031-01 | 1184.75 | 2.81 | 1181.94 | 0.00 |