贷款7.68万（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：7.68万
还款月数：5年
每月还款：1375.35元
利息总额：5694.85元
本息合计：8.25万
| 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 | 1375.35 | 182.46 | 1192.89 | 75633.11 |
| 2 | 2025-10 | 1375.35 | 179.63 | 1195.72 | 74437.40 |
| 3 | 2025-11 | 1375.35 | 176.79 | 1198.56 | 73238.84 |
| 4 | 2025-12 | 1375.35 | 173.94 | 1201.41 | 72037.43 |
| 5 | 2026-01 | 1375.35 | 171.09 | 1204.26 | 70833.17 |
| 6 | 2026-02 | 1375.35 | 168.23 | 1207.12 | 69626.05 |
| 7 | 2026-03 | 1375.35 | 165.36 | 1209.99 | 68416.07 |
| 8 | 2026-04 | 1375.35 | 162.49 | 1212.86 | 67203.21 |
| 9 | 2026-05 | 1375.35 | 159.61 | 1215.74 | 65987.47 |
| 10 | 2026-06 | 1375.35 | 156.72 | 1218.63 | 64768.84 |
| 11 | 2026-07 | 1375.35 | 153.83 | 1221.52 | 63547.32 |
| 12 | 2026-08 | 1375.35 | 150.92 | 1224.42 | 62322.90 |
| 13 | 2026-09 | 1375.35 | 148.02 | 1227.33 | 61095.57 |
| 14 | 2026-10 | 1375.35 | 145.10 | 1230.25 | 59865.32 |
| 15 | 2026-11 | 1375.35 | 142.18 | 1233.17 | 58632.15 |
| 16 | 2026-12 | 1375.35 | 139.25 | 1236.10 | 57396.06 |
| 17 | 2027-01 | 1375.35 | 136.32 | 1239.03 | 56157.03 |
| 18 | 2027-02 | 1375.35 | 133.37 | 1241.97 | 54915.05 |
| 19 | 2027-03 | 1375.35 | 130.42 | 1244.92 | 53670.13 |
| 20 | 2027-04 | 1375.35 | 127.47 | 1247.88 | 52422.25 |
| 21 | 2027-05 | 1375.35 | 124.50 | 1250.84 | 51171.40 |
| 22 | 2027-06 | 1375.35 | 121.53 | 1253.82 | 49917.59 |
| 23 | 2027-07 | 1375.35 | 118.55 | 1256.79 | 48660.79 |
| 24 | 2027-08 | 1375.35 | 115.57 | 1259.78 | 47401.01 |
| 25 | 2027-09 | 1375.35 | 112.58 | 1262.77 | 46138.24 |
| 26 | 2027-10 | 1375.35 | 109.58 | 1265.77 | 44872.47 |
| 27 | 2027-11 | 1375.35 | 106.57 | 1268.78 | 43603.70 |
| 28 | 2027-12 | 1375.35 | 103.56 | 1271.79 | 42331.91 |
| 29 | 2028-01 | 1375.35 | 100.54 | 1274.81 | 41057.10 |
| 30 | 2028-02 | 1375.35 | 97.51 | 1277.84 | 39779.26 |
| 31 | 2028-03 | 1375.35 | 94.48 | 1280.87 | 38498.39 |
| 32 | 2028-04 | 1375.35 | 91.43 | 1283.91 | 37214.48 |
| 33 | 2028-05 | 1375.35 | 88.38 | 1286.96 | 35927.52 |
| 34 | 2028-06 | 1375.35 | 85.33 | 1290.02 | 34637.50 |
| 35 | 2028-07 | 1375.35 | 82.26 | 1293.08 | 33344.41 |
| 36 | 2028-08 | 1375.35 | 79.19 | 1296.15 | 32048.26 |
| 37 | 2028-09 | 1375.35 | 76.11 | 1299.23 | 30749.02 |
| 38 | 2028-10 | 1375.35 | 73.03 | 1302.32 | 29446.71 |
| 39 | 2028-11 | 1375.35 | 69.94 | 1305.41 | 28141.29 |
| 40 | 2028-12 | 1375.35 | 66.84 | 1308.51 | 26832.78 |
| 41 | 2029-01 | 1375.35 | 63.73 | 1311.62 | 25521.16 |
| 42 | 2029-02 | 1375.35 | 60.61 | 1314.73 | 24206.43 |
| 43 | 2029-03 | 1375.35 | 57.49 | 1317.86 | 22888.57 |
| 44 | 2029-04 | 1375.35 | 54.36 | 1320.99 | 21567.58 |
| 45 | 2029-05 | 1375.35 | 51.22 | 1324.12 | 20243.46 |
| 46 | 2029-06 | 1375.35 | 48.08 | 1327.27 | 18916.19 |
| 47 | 2029-07 | 1375.35 | 44.93 | 1330.42 | 17585.77 |
| 48 | 2029-08 | 1375.35 | 41.77 | 1333.58 | 16252.19 |
| 49 | 2029-09 | 1375.35 | 38.60 | 1336.75 | 14915.44 |
| 50 | 2029-10 | 1375.35 | 35.42 | 1339.92 | 13575.51 |
| 51 | 2029-11 | 1375.35 | 32.24 | 1343.11 | 12232.41 |
| 52 | 2029-12 | 1375.35 | 29.05 | 1346.30 | 10886.11 |
| 53 | 2030-01 | 1375.35 | 25.85 | 1349.49 | 9536.62 |
| 54 | 2030-02 | 1375.35 | 22.65 | 1352.70 | 8183.92 |
| 55 | 2030-03 | 1375.35 | 19.44 | 1355.91 | 6828.01 |
| 56 | 2030-04 | 1375.35 | 16.22 | 1359.13 | 5468.88 |
| 57 | 2030-05 | 1375.35 | 12.99 | 1362.36 | 4106.52 |
| 58 | 2030-06 | 1375.35 | 9.75 | 1365.59 | 2740.93 |
| 59 | 2030-07 | 1375.35 | 6.51 | 1368.84 | 1372.09 |
| 60 | 2030-08 | 1375.35 | 3.26 | 1372.09 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：5年
首月还款：1462.9元
每月递减：3.04元
利息总额：5565.08元
本息合计：8.24万
节省利息：129.77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 | 1462.90 | 182.46 | 1280.43 | 75545.57 |
| 2 | 2025-10 | 1459.85 | 179.42 | 1280.43 | 74265.13 |
| 3 | 2025-11 | 1456.81 | 176.38 | 1280.43 | 72984.70 |
| 4 | 2025-12 | 1453.77 | 173.34 | 1280.43 | 71704.27 |
| 5 | 2026-01 | 1450.73 | 170.30 | 1280.43 | 70423.83 |
| 6 | 2026-02 | 1447.69 | 167.26 | 1280.43 | 69143.40 |
| 7 | 2026-03 | 1444.65 | 164.22 | 1280.43 | 67862.97 |
| 8 | 2026-04 | 1441.61 | 161.17 | 1280.43 | 66582.53 |
| 9 | 2026-05 | 1438.57 | 158.13 | 1280.43 | 65302.10 |
| 10 | 2026-06 | 1435.53 | 155.09 | 1280.43 | 64021.67 |
| 11 | 2026-07 | 1432.48 | 152.05 | 1280.43 | 62741.23 |
| 12 | 2026-08 | 1429.44 | 149.01 | 1280.43 | 61460.80 |
| 13 | 2026-09 | 1426.40 | 145.97 | 1280.43 | 60180.37 |
| 14 | 2026-10 | 1423.36 | 142.93 | 1280.43 | 58899.93 |
| 15 | 2026-11 | 1420.32 | 139.89 | 1280.43 | 57619.50 |
| 16 | 2026-12 | 1417.28 | 136.85 | 1280.43 | 56339.07 |
| 17 | 2027-01 | 1414.24 | 133.81 | 1280.43 | 55058.63 |
| 18 | 2027-02 | 1411.20 | 130.76 | 1280.43 | 53778.20 |
| 19 | 2027-03 | 1408.16 | 127.72 | 1280.43 | 52497.77 |
| 20 | 2027-04 | 1405.12 | 124.68 | 1280.43 | 51217.33 |
| 21 | 2027-05 | 1402.07 | 121.64 | 1280.43 | 49936.90 |
| 22 | 2027-06 | 1399.03 | 118.60 | 1280.43 | 48656.47 |
| 23 | 2027-07 | 1395.99 | 115.56 | 1280.43 | 47376.03 |
| 24 | 2027-08 | 1392.95 | 112.52 | 1280.43 | 46095.60 |
| 25 | 2027-09 | 1389.91 | 109.48 | 1280.43 | 44815.17 |
| 26 | 2027-10 | 1386.87 | 106.44 | 1280.43 | 43534.73 |
| 27 | 2027-11 | 1383.83 | 103.39 | 1280.43 | 42254.30 |
| 28 | 2027-12 | 1380.79 | 100.35 | 1280.43 | 40973.87 |
| 29 | 2028-01 | 1377.75 | 97.31 | 1280.43 | 39693.43 |
| 30 | 2028-02 | 1374.71 | 94.27 | 1280.43 | 38413.00 |
| 31 | 2028-03 | 1371.66 | 91.23 | 1280.43 | 37132.57 |
| 32 | 2028-04 | 1368.62 | 88.19 | 1280.43 | 35852.13 |
| 33 | 2028-05 | 1365.58 | 85.15 | 1280.43 | 34571.70 |
| 34 | 2028-06 | 1362.54 | 82.11 | 1280.43 | 33291.27 |
| 35 | 2028-07 | 1359.50 | 79.07 | 1280.43 | 32010.83 |
| 36 | 2028-08 | 1356.46 | 76.03 | 1280.43 | 30730.40 |
| 37 | 2028-09 | 1353.42 | 72.98 | 1280.43 | 29449.97 |
| 38 | 2028-10 | 1350.38 | 69.94 | 1280.43 | 28169.53 |
| 39 | 2028-11 | 1347.34 | 66.90 | 1280.43 | 26889.10 |
| 40 | 2028-12 | 1344.29 | 63.86 | 1280.43 | 25608.67 |
| 41 | 2029-01 | 1341.25 | 60.82 | 1280.43 | 24328.23 |
| 42 | 2029-02 | 1338.21 | 57.78 | 1280.43 | 23047.80 |
| 43 | 2029-03 | 1335.17 | 54.74 | 1280.43 | 21767.37 |
| 44 | 2029-04 | 1332.13 | 51.70 | 1280.43 | 20486.93 |
| 45 | 2029-05 | 1329.09 | 48.66 | 1280.43 | 19206.50 |
| 46 | 2029-06 | 1326.05 | 45.62 | 1280.43 | 17926.07 |
| 47 | 2029-07 | 1323.01 | 42.57 | 1280.43 | 16645.63 |
| 48 | 2029-08 | 1319.97 | 39.53 | 1280.43 | 15365.20 |
| 49 | 2029-09 | 1316.93 | 36.49 | 1280.43 | 14084.77 |
| 50 | 2029-10 | 1313.88 | 33.45 | 1280.43 | 12804.33 |
| 51 | 2029-11 | 1310.84 | 30.41 | 1280.43 | 11523.90 |
| 52 | 2029-12 | 1307.80 | 27.37 | 1280.43 | 10243.47 |
| 53 | 2030-01 | 1304.76 | 24.33 | 1280.43 | 8963.03 |
| 54 | 2030-02 | 1301.72 | 21.29 | 1280.43 | 7682.60 |
| 55 | 2030-03 | 1298.68 | 18.25 | 1280.43 | 6402.17 |
| 56 | 2030-04 | 1295.64 | 15.21 | 1280.43 | 5121.73 |
| 57 | 2030-05 | 1292.60 | 12.16 | 1280.43 | 3841.30 |
| 58 | 2030-06 | 1289.56 | 9.12 | 1280.43 | 2560.87 |
| 59 | 2030-07 | 1286.52 | 6.08 | 1280.43 | 1280.43 |
| 60 | 2030-08 | 1283.47 | 3.04 | 1280.43 | 0.00 |