贷款12.92万（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：12.92万
还款月数：5年
每月还款：2271.01元
利息总额：7016.95元
本息合计：13.63万
| 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 | 2271.01 | 226.18 | 2044.83 | 127198.55 |
| 2 | 2026-02 | 2271.01 | 222.60 | 2048.41 | 125150.14 |
| 3 | 2026-03 | 2271.01 | 219.01 | 2051.99 | 123098.15 |
| 4 | 2026-04 | 2271.01 | 215.42 | 2055.58 | 121042.57 |
| 5 | 2026-05 | 2271.01 | 211.82 | 2059.18 | 118983.38 |
| 6 | 2026-06 | 2271.01 | 208.22 | 2062.78 | 116920.60 |
| 7 | 2026-07 | 2271.01 | 204.61 | 2066.39 | 114854.21 |
| 8 | 2026-08 | 2271.01 | 200.99 | 2070.01 | 112784.20 |
| 9 | 2026-09 | 2271.01 | 197.37 | 2073.63 | 110710.56 |
| 10 | 2026-10 | 2271.01 | 193.74 | 2077.26 | 108633.30 |
| 11 | 2026-11 | 2271.01 | 190.11 | 2080.90 | 106552.40 |
| 12 | 2026-12 | 2271.01 | 186.47 | 2084.54 | 104467.86 |
| 13 | 2027-01 | 2271.01 | 182.82 | 2088.19 | 102379.68 |
| 14 | 2027-02 | 2271.01 | 179.16 | 2091.84 | 100287.84 |
| 15 | 2027-03 | 2271.01 | 175.50 | 2095.50 | 98192.33 |
| 16 | 2027-04 | 2271.01 | 171.84 | 2099.17 | 96093.17 |
| 17 | 2027-05 | 2271.01 | 168.16 | 2102.84 | 93990.32 |
| 18 | 2027-06 | 2271.01 | 164.48 | 2106.52 | 91883.80 |
| 19 | 2027-07 | 2271.01 | 160.80 | 2110.21 | 89773.59 |
| 20 | 2027-08 | 2271.01 | 157.10 | 2113.90 | 87659.69 |
| 21 | 2027-09 | 2271.01 | 153.40 | 2117.60 | 85542.09 |
| 22 | 2027-10 | 2271.01 | 149.70 | 2121.31 | 83420.78 |
| 23 | 2027-11 | 2271.01 | 145.99 | 2125.02 | 81295.76 |
| 24 | 2027-12 | 2271.01 | 142.27 | 2128.74 | 79167.03 |
| 25 | 2028-01 | 2271.01 | 138.54 | 2132.46 | 77034.56 |
| 26 | 2028-02 | 2271.01 | 134.81 | 2136.20 | 74898.37 |
| 27 | 2028-03 | 2271.01 | 131.07 | 2139.93 | 72758.43 |
| 28 | 2028-04 | 2271.01 | 127.33 | 2143.68 | 70614.76 |
| 29 | 2028-05 | 2271.01 | 123.58 | 2147.43 | 68467.33 |
| 30 | 2028-06 | 2271.01 | 119.82 | 2151.19 | 66316.14 |
| 31 | 2028-07 | 2271.01 | 116.05 | 2154.95 | 64161.19 |
| 32 | 2028-08 | 2271.01 | 112.28 | 2158.72 | 62002.46 |
| 33 | 2028-09 | 2271.01 | 108.50 | 2162.50 | 59839.96 |
| 34 | 2028-10 | 2271.01 | 104.72 | 2166.29 | 57673.68 |
| 35 | 2028-11 | 2271.01 | 100.93 | 2170.08 | 55503.60 |
| 36 | 2028-12 | 2271.01 | 97.13 | 2173.87 | 53329.73 |
| 37 | 2029-01 | 2271.01 | 93.33 | 2177.68 | 51152.05 |
| 38 | 2029-02 | 2271.01 | 89.52 | 2181.49 | 48970.56 |
| 39 | 2029-03 | 2271.01 | 85.70 | 2185.31 | 46785.25 |
| 40 | 2029-04 | 2271.01 | 81.87 | 2189.13 | 44596.12 |
| 41 | 2029-05 | 2271.01 | 78.04 | 2192.96 | 42403.16 |
| 42 | 2029-06 | 2271.01 | 74.21 | 2196.80 | 40206.36 |
| 43 | 2029-07 | 2271.01 | 70.36 | 2200.64 | 38005.71 |
| 44 | 2029-08 | 2271.01 | 66.51 | 2204.50 | 35801.22 |
| 45 | 2029-09 | 2271.01 | 62.65 | 2208.35 | 33592.86 |
| 46 | 2029-10 | 2271.01 | 58.79 | 2212.22 | 31380.65 |
| 47 | 2029-11 | 2271.01 | 54.92 | 2216.09 | 29164.56 |
| 48 | 2029-12 | 2271.01 | 51.04 | 2219.97 | 26944.59 |
| 49 | 2030-01 | 2271.01 | 47.15 | 2223.85 | 24720.74 |
| 50 | 2030-02 | 2271.01 | 43.26 | 2227.74 | 22492.99 |
| 51 | 2030-03 | 2271.01 | 39.36 | 2231.64 | 20261.35 |
| 52 | 2030-04 | 2271.01 | 35.46 | 2235.55 | 18025.80 |
| 53 | 2030-05 | 2271.01 | 31.55 | 2239.46 | 15786.34 |
| 54 | 2030-06 | 2271.01 | 27.63 | 2243.38 | 13542.96 |
| 55 | 2030-07 | 2271.01 | 23.70 | 2247.31 | 11295.66 |
| 56 | 2030-08 | 2271.01 | 19.77 | 2251.24 | 9044.42 |
| 57 | 2030-09 | 2271.01 | 15.83 | 2255.18 | 6789.24 |
| 58 | 2030-10 | 2271.01 | 11.88 | 2259.12 | 4530.12 |
| 59 | 2030-11 | 2271.01 | 7.93 | 2263.08 | 2267.04 |
| 60 | 2030-12 | 2271.01 | 3.97 | 2267.04 | 0.00 |
等额本金还款方式：
贷款总额：12.92万
还款月数：5年
首月还款：2380.23元
每月递减：3.77元
利息总额：6898.37元
本息合计：13.61万
节省利息：118.58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 | 2380.23 | 226.18 | 2154.06 | 127089.32 |
| 2 | 2026-02 | 2376.46 | 222.41 | 2154.06 | 124935.27 |
| 3 | 2026-03 | 2372.69 | 218.64 | 2154.06 | 122781.21 |
| 4 | 2026-04 | 2368.92 | 214.87 | 2154.06 | 120627.15 |
| 5 | 2026-05 | 2365.15 | 211.10 | 2154.06 | 118473.10 |
| 6 | 2026-06 | 2361.38 | 207.33 | 2154.06 | 116319.04 |
| 7 | 2026-07 | 2357.61 | 203.56 | 2154.06 | 114164.99 |
| 8 | 2026-08 | 2353.85 | 199.79 | 2154.06 | 112010.93 |
| 9 | 2026-09 | 2350.08 | 196.02 | 2154.06 | 109856.87 |
| 10 | 2026-10 | 2346.31 | 192.25 | 2154.06 | 107702.82 |
| 11 | 2026-11 | 2342.54 | 188.48 | 2154.06 | 105548.76 |
| 12 | 2026-12 | 2338.77 | 184.71 | 2154.06 | 103394.70 |
| 13 | 2027-01 | 2335.00 | 180.94 | 2154.06 | 101240.65 |
| 14 | 2027-02 | 2331.23 | 177.17 | 2154.06 | 99086.59 |
| 15 | 2027-03 | 2327.46 | 173.40 | 2154.06 | 96932.54 |
| 16 | 2027-04 | 2323.69 | 169.63 | 2154.06 | 94778.48 |
| 17 | 2027-05 | 2319.92 | 165.86 | 2154.06 | 92624.42 |
| 18 | 2027-06 | 2316.15 | 162.09 | 2154.06 | 90470.37 |
| 19 | 2027-07 | 2312.38 | 158.32 | 2154.06 | 88316.31 |
| 20 | 2027-08 | 2308.61 | 154.55 | 2154.06 | 86162.25 |
| 21 | 2027-09 | 2304.84 | 150.78 | 2154.06 | 84008.20 |
| 22 | 2027-10 | 2301.07 | 147.01 | 2154.06 | 81854.14 |
| 23 | 2027-11 | 2297.30 | 143.24 | 2154.06 | 79700.08 |
| 24 | 2027-12 | 2293.53 | 139.48 | 2154.06 | 77546.03 |
| 25 | 2028-01 | 2289.76 | 135.71 | 2154.06 | 75391.97 |
| 26 | 2028-02 | 2285.99 | 131.94 | 2154.06 | 73237.92 |
| 27 | 2028-03 | 2282.22 | 128.17 | 2154.06 | 71083.86 |
| 28 | 2028-04 | 2278.45 | 124.40 | 2154.06 | 68929.80 |
| 29 | 2028-05 | 2274.68 | 120.63 | 2154.06 | 66775.75 |
| 30 | 2028-06 | 2270.91 | 116.86 | 2154.06 | 64621.69 |
| 31 | 2028-07 | 2267.14 | 113.09 | 2154.06 | 62467.63 |
| 32 | 2028-08 | 2263.37 | 109.32 | 2154.06 | 60313.58 |
| 33 | 2028-09 | 2259.61 | 105.55 | 2154.06 | 58159.52 |
| 34 | 2028-10 | 2255.84 | 101.78 | 2154.06 | 56005.46 |
| 35 | 2028-11 | 2252.07 | 98.01 | 2154.06 | 53851.41 |
| 36 | 2028-12 | 2248.30 | 94.24 | 2154.06 | 51697.35 |
| 37 | 2029-01 | 2244.53 | 90.47 | 2154.06 | 49543.30 |
| 38 | 2029-02 | 2240.76 | 86.70 | 2154.06 | 47389.24 |
| 39 | 2029-03 | 2236.99 | 82.93 | 2154.06 | 45235.18 |
| 40 | 2029-04 | 2233.22 | 79.16 | 2154.06 | 43081.13 |
| 41 | 2029-05 | 2229.45 | 75.39 | 2154.06 | 40927.07 |
| 42 | 2029-06 | 2225.68 | 71.62 | 2154.06 | 38773.01 |
| 43 | 2029-07 | 2221.91 | 67.85 | 2154.06 | 36618.96 |
| 44 | 2029-08 | 2218.14 | 64.08 | 2154.06 | 34464.90 |
| 45 | 2029-09 | 2214.37 | 60.31 | 2154.06 | 32310.85 |
| 46 | 2029-10 | 2210.60 | 56.54 | 2154.06 | 30156.79 |
| 47 | 2029-11 | 2206.83 | 52.77 | 2154.06 | 28002.73 |
| 48 | 2029-12 | 2203.06 | 49.00 | 2154.06 | 25848.68 |
| 49 | 2030-01 | 2199.29 | 45.24 | 2154.06 | 23694.62 |
| 50 | 2030-02 | 2195.52 | 41.47 | 2154.06 | 21540.56 |
| 51 | 2030-03 | 2191.75 | 37.70 | 2154.06 | 19386.51 |
| 52 | 2030-04 | 2187.98 | 33.93 | 2154.06 | 17232.45 |
| 53 | 2030-05 | 2184.21 | 30.16 | 2154.06 | 15078.39 |
| 54 | 2030-06 | 2180.44 | 26.39 | 2154.06 | 12924.34 |
| 55 | 2030-07 | 2176.67 | 22.62 | 2154.06 | 10770.28 |
| 56 | 2030-08 | 2172.90 | 18.85 | 2154.06 | 8616.23 |
| 57 | 2030-09 | 2169.13 | 15.08 | 2154.06 | 6462.17 |
| 58 | 2030-10 | 2165.37 | 11.31 | 2154.06 | 4308.11 |
| 59 | 2030-11 | 2161.60 | 7.54 | 2154.06 | 2154.06 |
| 60 | 2030-12 | 2157.83 | 3.77 | 2154.06 | 0.00 |