贷款7.21万（公积金贷款）房贷，还款5年1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：7.21万
还款月数：5年1个月
每月还款：1263.44元
利息总额：4948.94元
本息合计：7.71万
| 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 | 1263.44 | 156.26 | 1107.18 | 71013.82 |
| 2 | 2026-02 | 1263.44 | 153.86 | 1109.58 | 69904.24 |
| 3 | 2026-03 | 1263.44 | 151.46 | 1111.98 | 68792.26 |
| 4 | 2026-04 | 1263.44 | 149.05 | 1114.39 | 67677.87 |
| 5 | 2026-05 | 1263.44 | 146.64 | 1116.81 | 66561.06 |
| 6 | 2026-06 | 1263.44 | 144.22 | 1119.23 | 65441.84 |
| 7 | 2026-07 | 1263.44 | 141.79 | 1121.65 | 64320.18 |
| 8 | 2026-08 | 1263.44 | 139.36 | 1124.08 | 63196.10 |
| 9 | 2026-09 | 1263.44 | 136.92 | 1126.52 | 62069.59 |
| 10 | 2026-10 | 1263.44 | 134.48 | 1128.96 | 60940.63 |
| 11 | 2026-11 | 1263.44 | 132.04 | 1131.40 | 59809.23 |
| 12 | 2026-12 | 1263.44 | 129.59 | 1133.85 | 58675.37 |
| 13 | 2027-01 | 1263.44 | 127.13 | 1136.31 | 57539.06 |
| 14 | 2027-02 | 1263.44 | 124.67 | 1138.77 | 56400.29 |
| 15 | 2027-03 | 1263.44 | 122.20 | 1141.24 | 55259.04 |
| 16 | 2027-04 | 1263.44 | 119.73 | 1143.71 | 54115.33 |
| 17 | 2027-05 | 1263.44 | 117.25 | 1146.19 | 52969.14 |
| 18 | 2027-06 | 1263.44 | 114.77 | 1148.68 | 51820.46 |
| 19 | 2027-07 | 1263.44 | 112.28 | 1151.16 | 50669.30 |
| 20 | 2027-08 | 1263.44 | 109.78 | 1153.66 | 49515.64 |
| 21 | 2027-09 | 1263.44 | 107.28 | 1156.16 | 48359.48 |
| 22 | 2027-10 | 1263.44 | 104.78 | 1158.66 | 47200.82 |
| 23 | 2027-11 | 1263.44 | 102.27 | 1161.17 | 46039.65 |
| 24 | 2027-12 | 1263.44 | 99.75 | 1163.69 | 44875.96 |
| 25 | 2028-01 | 1263.44 | 97.23 | 1166.21 | 43709.75 |
| 26 | 2028-02 | 1263.44 | 94.70 | 1168.74 | 42541.01 |
| 27 | 2028-03 | 1263.44 | 92.17 | 1171.27 | 41369.74 |
| 28 | 2028-04 | 1263.44 | 89.63 | 1173.81 | 40195.93 |
| 29 | 2028-05 | 1263.44 | 87.09 | 1176.35 | 39019.58 |
| 30 | 2028-06 | 1263.44 | 84.54 | 1178.90 | 37840.69 |
| 31 | 2028-07 | 1263.44 | 81.99 | 1181.45 | 36659.23 |
| 32 | 2028-08 | 1263.44 | 79.43 | 1184.01 | 35475.22 |
| 33 | 2028-09 | 1263.44 | 76.86 | 1186.58 | 34288.64 |
| 34 | 2028-10 | 1263.44 | 74.29 | 1189.15 | 33099.49 |
| 35 | 2028-11 | 1263.44 | 71.72 | 1191.73 | 31907.76 |
| 36 | 2028-12 | 1263.44 | 69.13 | 1194.31 | 30713.46 |
| 37 | 2029-01 | 1263.44 | 66.55 | 1196.90 | 29516.56 |
| 38 | 2029-02 | 1263.44 | 63.95 | 1199.49 | 28317.07 |
| 39 | 2029-03 | 1263.44 | 61.35 | 1202.09 | 27114.98 |
| 40 | 2029-04 | 1263.44 | 58.75 | 1204.69 | 25910.29 |
| 41 | 2029-05 | 1263.44 | 56.14 | 1207.30 | 24702.99 |
| 42 | 2029-06 | 1263.44 | 53.52 | 1209.92 | 23493.07 |
| 43 | 2029-07 | 1263.44 | 50.90 | 1212.54 | 22280.53 |
| 44 | 2029-08 | 1263.44 | 48.27 | 1215.17 | 21065.36 |
| 45 | 2029-09 | 1263.44 | 45.64 | 1217.80 | 19847.56 |
| 46 | 2029-10 | 1263.44 | 43.00 | 1220.44 | 18627.12 |
| 47 | 2029-11 | 1263.44 | 40.36 | 1223.08 | 17404.04 |
| 48 | 2029-12 | 1263.44 | 37.71 | 1225.73 | 16178.31 |
| 49 | 2030-01 | 1263.44 | 35.05 | 1228.39 | 14949.92 |
| 50 | 2030-02 | 1263.44 | 32.39 | 1231.05 | 13718.87 |
| 51 | 2030-03 | 1263.44 | 29.72 | 1233.72 | 12485.15 |
| 52 | 2030-04 | 1263.44 | 27.05 | 1236.39 | 11248.76 |
| 53 | 2030-05 | 1263.44 | 24.37 | 1239.07 | 10009.69 |
| 54 | 2030-06 | 1263.44 | 21.69 | 1241.75 | 8767.94 |
| 55 | 2030-07 | 1263.44 | 19.00 | 1244.44 | 7523.49 |
| 56 | 2030-08 | 1263.44 | 16.30 | 1247.14 | 6276.35 |
| 57 | 2030-09 | 1263.44 | 13.60 | 1249.84 | 5026.51 |
| 58 | 2030-10 | 1263.44 | 10.89 | 1252.55 | 3773.96 |
| 59 | 2030-11 | 1263.44 | 8.18 | 1255.26 | 2518.69 |
| 60 | 2030-12 | 1263.44 | 5.46 | 1257.98 | 1260.71 |
| 61 | 2031-01 | 1263.44 | 2.73 | 1260.71 | 0.00 |
等额本金还款方式：
贷款总额：7.21万
还款月数：5年1个月
首月还款：1338.57元
每月递减：2.56元
利息总额：4844.13元
本息合计：7.7万
节省利息：104.81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 | 1338.57 | 156.26 | 1182.31 | 70938.69 |
| 2 | 2026-02 | 1336.01 | 153.70 | 1182.31 | 69756.38 |
| 3 | 2026-03 | 1333.45 | 151.14 | 1182.31 | 68574.07 |
| 4 | 2026-04 | 1330.89 | 148.58 | 1182.31 | 67391.75 |
| 5 | 2026-05 | 1328.33 | 146.02 | 1182.31 | 66209.44 |
| 6 | 2026-06 | 1325.77 | 143.45 | 1182.31 | 65027.13 |
| 7 | 2026-07 | 1323.20 | 140.89 | 1182.31 | 63844.82 |
| 8 | 2026-08 | 1320.64 | 138.33 | 1182.31 | 62662.51 |
| 9 | 2026-09 | 1318.08 | 135.77 | 1182.31 | 61480.20 |
| 10 | 2026-10 | 1315.52 | 133.21 | 1182.31 | 60297.89 |
| 11 | 2026-11 | 1312.96 | 130.65 | 1182.31 | 59115.57 |
| 12 | 2026-12 | 1310.40 | 128.08 | 1182.31 | 57933.26 |
| 13 | 2027-01 | 1307.83 | 125.52 | 1182.31 | 56750.95 |
| 14 | 2027-02 | 1305.27 | 122.96 | 1182.31 | 55568.64 |
| 15 | 2027-03 | 1302.71 | 120.40 | 1182.31 | 54386.33 |
| 16 | 2027-04 | 1300.15 | 117.84 | 1182.31 | 53204.02 |
| 17 | 2027-05 | 1297.59 | 115.28 | 1182.31 | 52021.70 |
| 18 | 2027-06 | 1295.03 | 112.71 | 1182.31 | 50839.39 |
| 19 | 2027-07 | 1292.46 | 110.15 | 1182.31 | 49657.08 |
| 20 | 2027-08 | 1289.90 | 107.59 | 1182.31 | 48474.77 |
| 21 | 2027-09 | 1287.34 | 105.03 | 1182.31 | 47292.46 |
| 22 | 2027-10 | 1284.78 | 102.47 | 1182.31 | 46110.15 |
| 23 | 2027-11 | 1282.22 | 99.91 | 1182.31 | 44927.84 |
| 24 | 2027-12 | 1279.66 | 97.34 | 1182.31 | 43745.52 |
| 25 | 2028-01 | 1277.09 | 94.78 | 1182.31 | 42563.21 |
| 26 | 2028-02 | 1274.53 | 92.22 | 1182.31 | 41380.90 |
| 27 | 2028-03 | 1271.97 | 89.66 | 1182.31 | 40198.59 |
| 28 | 2028-04 | 1269.41 | 87.10 | 1182.31 | 39016.28 |
| 29 | 2028-05 | 1266.85 | 84.54 | 1182.31 | 37833.97 |
| 30 | 2028-06 | 1264.29 | 81.97 | 1182.31 | 36651.66 |
| 31 | 2028-07 | 1261.72 | 79.41 | 1182.31 | 35469.34 |
| 32 | 2028-08 | 1259.16 | 76.85 | 1182.31 | 34287.03 |
| 33 | 2028-09 | 1256.60 | 74.29 | 1182.31 | 33104.72 |
| 34 | 2028-10 | 1254.04 | 71.73 | 1182.31 | 31922.41 |
| 35 | 2028-11 | 1251.48 | 69.17 | 1182.31 | 30740.10 |
| 36 | 2028-12 | 1248.92 | 66.60 | 1182.31 | 29557.79 |
| 37 | 2029-01 | 1246.35 | 64.04 | 1182.31 | 28375.48 |
| 38 | 2029-02 | 1243.79 | 61.48 | 1182.31 | 27193.16 |
| 39 | 2029-03 | 1241.23 | 58.92 | 1182.31 | 26010.85 |
| 40 | 2029-04 | 1238.67 | 56.36 | 1182.31 | 24828.54 |
| 41 | 2029-05 | 1236.11 | 53.80 | 1182.31 | 23646.23 |
| 42 | 2029-06 | 1233.54 | 51.23 | 1182.31 | 22463.92 |
| 43 | 2029-07 | 1230.98 | 48.67 | 1182.31 | 21281.61 |
| 44 | 2029-08 | 1228.42 | 46.11 | 1182.31 | 20099.30 |
| 45 | 2029-09 | 1225.86 | 43.55 | 1182.31 | 18916.98 |
| 46 | 2029-10 | 1223.30 | 40.99 | 1182.31 | 17734.67 |
| 47 | 2029-11 | 1220.74 | 38.43 | 1182.31 | 16552.36 |
| 48 | 2029-12 | 1218.17 | 35.86 | 1182.31 | 15370.05 |
| 49 | 2030-01 | 1215.61 | 33.30 | 1182.31 | 14187.74 |
| 50 | 2030-02 | 1213.05 | 30.74 | 1182.31 | 13005.43 |
| 51 | 2030-03 | 1210.49 | 28.18 | 1182.31 | 11823.11 |
| 52 | 2030-04 | 1207.93 | 25.62 | 1182.31 | 10640.80 |
| 53 | 2030-05 | 1205.37 | 23.06 | 1182.31 | 9458.49 |
| 54 | 2030-06 | 1202.80 | 20.49 | 1182.31 | 8276.18 |
| 55 | 2030-07 | 1200.24 | 17.93 | 1182.31 | 7093.87 |
| 56 | 2030-08 | 1197.68 | 15.37 | 1182.31 | 5911.56 |
| 57 | 2030-09 | 1195.12 | 12.81 | 1182.31 | 4729.25 |
| 58 | 2030-10 | 1192.56 | 10.25 | 1182.31 | 3546.93 |
| 59 | 2030-11 | 1190.00 | 7.69 | 1182.31 | 2364.62 |
| 60 | 2030-12 | 1187.43 | 5.12 | 1182.31 | 1182.31 |
| 61 | 2031-01 | 1184.87 | 2.56 | 1182.31 | 0.00 |