贷款14.95万（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：14.95万
还款月数：5年
每月还款：2626.93元
利息总额：8116.69元
本息合计：15.76万
| 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 | 2626.93 | 261.62 | 2365.31 | 147133.91 |
| 2 | 2026-02 | 2626.93 | 257.48 | 2369.45 | 144764.46 |
| 3 | 2026-03 | 2626.93 | 253.34 | 2373.59 | 142390.87 |
| 4 | 2026-04 | 2626.93 | 249.18 | 2377.75 | 140013.12 |
| 5 | 2026-05 | 2626.93 | 245.02 | 2381.91 | 137631.21 |
| 6 | 2026-06 | 2626.93 | 240.85 | 2386.08 | 135245.14 |
| 7 | 2026-07 | 2626.93 | 236.68 | 2390.25 | 132854.88 |
| 8 | 2026-08 | 2626.93 | 232.50 | 2394.44 | 130460.45 |
| 9 | 2026-09 | 2626.93 | 228.31 | 2398.63 | 128061.82 |
| 10 | 2026-10 | 2626.93 | 224.11 | 2402.82 | 125659.00 |
| 11 | 2026-11 | 2626.93 | 219.90 | 2407.03 | 123251.97 |
| 12 | 2026-12 | 2626.93 | 215.69 | 2411.24 | 120840.73 |
| 13 | 2027-01 | 2626.93 | 211.47 | 2415.46 | 118425.27 |
| 14 | 2027-02 | 2626.93 | 207.24 | 2419.69 | 116005.58 |
| 15 | 2027-03 | 2626.93 | 203.01 | 2423.92 | 113581.66 |
| 16 | 2027-04 | 2626.93 | 198.77 | 2428.16 | 111153.49 |
| 17 | 2027-05 | 2626.93 | 194.52 | 2432.41 | 108721.08 |
| 18 | 2027-06 | 2626.93 | 190.26 | 2436.67 | 106284.41 |
| 19 | 2027-07 | 2626.93 | 186.00 | 2440.93 | 103843.48 |
| 20 | 2027-08 | 2626.93 | 181.73 | 2445.21 | 101398.27 |
| 21 | 2027-09 | 2626.93 | 177.45 | 2449.48 | 98948.79 |
| 22 | 2027-10 | 2626.93 | 173.16 | 2453.77 | 96495.02 |
| 23 | 2027-11 | 2626.93 | 168.87 | 2458.07 | 94036.95 |
| 24 | 2027-12 | 2626.93 | 164.56 | 2462.37 | 91574.58 |
| 25 | 2028-01 | 2626.93 | 160.26 | 2466.68 | 89107.91 |
| 26 | 2028-02 | 2626.93 | 155.94 | 2470.99 | 86636.91 |
| 27 | 2028-03 | 2626.93 | 151.61 | 2475.32 | 84161.60 |
| 28 | 2028-04 | 2626.93 | 147.28 | 2479.65 | 81681.95 |
| 29 | 2028-05 | 2626.93 | 142.94 | 2483.99 | 79197.96 |
| 30 | 2028-06 | 2626.93 | 138.60 | 2488.34 | 76709.62 |
| 31 | 2028-07 | 2626.93 | 134.24 | 2492.69 | 74216.93 |
| 32 | 2028-08 | 2626.93 | 129.88 | 2497.05 | 71719.88 |
| 33 | 2028-09 | 2626.93 | 125.51 | 2501.42 | 69218.46 |
| 34 | 2028-10 | 2626.93 | 121.13 | 2505.80 | 66712.66 |
| 35 | 2028-11 | 2626.93 | 116.75 | 2510.18 | 64202.47 |
| 36 | 2028-12 | 2626.93 | 112.35 | 2514.58 | 61687.90 |
| 37 | 2029-01 | 2626.93 | 107.95 | 2518.98 | 59168.92 |
| 38 | 2029-02 | 2626.93 | 103.55 | 2523.39 | 56645.53 |
| 39 | 2029-03 | 2626.93 | 99.13 | 2527.80 | 54117.73 |
| 40 | 2029-04 | 2626.93 | 94.71 | 2532.23 | 51585.50 |
| 41 | 2029-05 | 2626.93 | 90.27 | 2536.66 | 49048.85 |
| 42 | 2029-06 | 2626.93 | 85.84 | 2541.10 | 46507.75 |
| 43 | 2029-07 | 2626.93 | 81.39 | 2545.54 | 43962.21 |
| 44 | 2029-08 | 2626.93 | 76.93 | 2550.00 | 41412.21 |
| 45 | 2029-09 | 2626.93 | 72.47 | 2554.46 | 38857.75 |
| 46 | 2029-10 | 2626.93 | 68.00 | 2558.93 | 36298.82 |
| 47 | 2029-11 | 2626.93 | 63.52 | 2563.41 | 33735.41 |
| 48 | 2029-12 | 2626.93 | 59.04 | 2567.89 | 31167.52 |
| 49 | 2030-01 | 2626.93 | 54.54 | 2572.39 | 28595.13 |
| 50 | 2030-02 | 2626.93 | 50.04 | 2576.89 | 26018.24 |
| 51 | 2030-03 | 2626.93 | 45.53 | 2581.40 | 23436.84 |
| 52 | 2030-04 | 2626.93 | 41.01 | 2585.92 | 20850.92 |
| 53 | 2030-05 | 2626.93 | 36.49 | 2590.44 | 18260.48 |
| 54 | 2030-06 | 2626.93 | 31.96 | 2594.98 | 15665.50 |
| 55 | 2030-07 | 2626.93 | 27.41 | 2599.52 | 13065.98 |
| 56 | 2030-08 | 2626.93 | 22.87 | 2604.07 | 10461.92 |
| 57 | 2030-09 | 2626.93 | 18.31 | 2608.62 | 7853.29 |
| 58 | 2030-10 | 2626.93 | 13.74 | 2613.19 | 5240.10 |
| 59 | 2030-11 | 2626.93 | 9.17 | 2617.76 | 2622.34 |
| 60 | 2030-12 | 2626.93 | 4.59 | 2622.34 | 0.00 |
等额本金还款方式：
贷款总额：14.95万
还款月数：5年
首月还款：2753.28元
每月递减：4.36元
利息总额：7979.52元
本息合计：15.75万
节省利息：137.17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 | 2753.28 | 261.62 | 2491.65 | 147007.57 |
| 2 | 2026-02 | 2748.92 | 257.26 | 2491.65 | 144515.91 |
| 3 | 2026-03 | 2744.56 | 252.90 | 2491.65 | 142024.26 |
| 4 | 2026-04 | 2740.20 | 248.54 | 2491.65 | 139532.61 |
| 5 | 2026-05 | 2735.84 | 244.18 | 2491.65 | 137040.95 |
| 6 | 2026-06 | 2731.48 | 239.82 | 2491.65 | 134549.30 |
| 7 | 2026-07 | 2727.11 | 235.46 | 2491.65 | 132057.64 |
| 8 | 2026-08 | 2722.75 | 231.10 | 2491.65 | 129565.99 |
| 9 | 2026-09 | 2718.39 | 226.74 | 2491.65 | 127074.34 |
| 10 | 2026-10 | 2714.03 | 222.38 | 2491.65 | 124582.68 |
| 11 | 2026-11 | 2709.67 | 218.02 | 2491.65 | 122091.03 |
| 12 | 2026-12 | 2705.31 | 213.66 | 2491.65 | 119599.38 |
| 13 | 2027-01 | 2700.95 | 209.30 | 2491.65 | 117107.72 |
| 14 | 2027-02 | 2696.59 | 204.94 | 2491.65 | 114616.07 |
| 15 | 2027-03 | 2692.23 | 200.58 | 2491.65 | 112124.42 |
| 16 | 2027-04 | 2687.87 | 196.22 | 2491.65 | 109632.76 |
| 17 | 2027-05 | 2683.51 | 191.86 | 2491.65 | 107141.11 |
| 18 | 2027-06 | 2679.15 | 187.50 | 2491.65 | 104649.45 |
| 19 | 2027-07 | 2674.79 | 183.14 | 2491.65 | 102157.80 |
| 20 | 2027-08 | 2670.43 | 178.78 | 2491.65 | 99666.15 |
| 21 | 2027-09 | 2666.07 | 174.42 | 2491.65 | 97174.49 |
| 22 | 2027-10 | 2661.71 | 170.06 | 2491.65 | 94682.84 |
| 23 | 2027-11 | 2657.35 | 165.69 | 2491.65 | 92191.19 |
| 24 | 2027-12 | 2652.99 | 161.33 | 2491.65 | 89699.53 |
| 25 | 2028-01 | 2648.63 | 156.97 | 2491.65 | 87207.88 |
| 26 | 2028-02 | 2644.27 | 152.61 | 2491.65 | 84716.22 |
| 27 | 2028-03 | 2639.91 | 148.25 | 2491.65 | 82224.57 |
| 28 | 2028-04 | 2635.55 | 143.89 | 2491.65 | 79732.92 |
| 29 | 2028-05 | 2631.19 | 139.53 | 2491.65 | 77241.26 |
| 30 | 2028-06 | 2626.83 | 135.17 | 2491.65 | 74749.61 |
| 31 | 2028-07 | 2622.47 | 130.81 | 2491.65 | 72257.96 |
| 32 | 2028-08 | 2618.11 | 126.45 | 2491.65 | 69766.30 |
| 33 | 2028-09 | 2613.74 | 122.09 | 2491.65 | 67274.65 |
| 34 | 2028-10 | 2609.38 | 117.73 | 2491.65 | 64783.00 |
| 35 | 2028-11 | 2605.02 | 113.37 | 2491.65 | 62291.34 |
| 36 | 2028-12 | 2600.66 | 109.01 | 2491.65 | 59799.69 |
| 37 | 2029-01 | 2596.30 | 104.65 | 2491.65 | 57308.03 |
| 38 | 2029-02 | 2591.94 | 100.29 | 2491.65 | 54816.38 |
| 39 | 2029-03 | 2587.58 | 95.93 | 2491.65 | 52324.73 |
| 40 | 2029-04 | 2583.22 | 91.57 | 2491.65 | 49833.07 |
| 41 | 2029-05 | 2578.86 | 87.21 | 2491.65 | 47341.42 |
| 42 | 2029-06 | 2574.50 | 82.85 | 2491.65 | 44849.77 |
| 43 | 2029-07 | 2570.14 | 78.49 | 2491.65 | 42358.11 |
| 44 | 2029-08 | 2565.78 | 74.13 | 2491.65 | 39866.46 |
| 45 | 2029-09 | 2561.42 | 69.77 | 2491.65 | 37374.81 |
| 46 | 2029-10 | 2557.06 | 65.41 | 2491.65 | 34883.15 |
| 47 | 2029-11 | 2552.70 | 61.05 | 2491.65 | 32391.50 |
| 48 | 2029-12 | 2548.34 | 56.69 | 2491.65 | 29899.84 |
| 49 | 2030-01 | 2543.98 | 52.32 | 2491.65 | 27408.19 |
| 50 | 2030-02 | 2539.62 | 47.96 | 2491.65 | 24916.54 |
| 51 | 2030-03 | 2535.26 | 43.60 | 2491.65 | 22424.88 |
| 52 | 2030-04 | 2530.90 | 39.24 | 2491.65 | 19933.23 |
| 53 | 2030-05 | 2526.54 | 34.88 | 2491.65 | 17441.58 |
| 54 | 2030-06 | 2522.18 | 30.52 | 2491.65 | 14949.92 |
| 55 | 2030-07 | 2517.82 | 26.16 | 2491.65 | 12458.27 |
| 56 | 2030-08 | 2513.46 | 21.80 | 2491.65 | 9966.61 |
| 57 | 2030-09 | 2509.10 | 17.44 | 2491.65 | 7474.96 |
| 58 | 2030-10 | 2504.73 | 13.08 | 2491.65 | 4983.31 |
| 59 | 2030-11 | 2500.37 | 8.72 | 2491.65 | 2491.65 |
| 60 | 2030-12 | 2496.01 | 4.36 | 2491.65 | 0.00 |