贷款1.75万（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：1.75万
还款月数：5年
每月还款：307.5元
利息总额：950.12元
本息合计：1.85万
| 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 | 307.50 | 30.63 | 276.88 | 17223.12 |
| 2 | 2026-02 | 307.50 | 30.14 | 277.36 | 16945.76 |
| 3 | 2026-03 | 307.50 | 29.66 | 277.85 | 16667.91 |
| 4 | 2026-04 | 307.50 | 29.17 | 278.33 | 16389.58 |
| 5 | 2026-05 | 307.50 | 28.68 | 278.82 | 16110.76 |
| 6 | 2026-06 | 307.50 | 28.19 | 279.31 | 15831.45 |
| 7 | 2026-07 | 307.50 | 27.71 | 279.80 | 15551.66 |
| 8 | 2026-08 | 307.50 | 27.22 | 280.29 | 15271.37 |
| 9 | 2026-09 | 307.50 | 26.72 | 280.78 | 14990.59 |
| 10 | 2026-10 | 307.50 | 26.23 | 281.27 | 14709.32 |
| 11 | 2026-11 | 307.50 | 25.74 | 281.76 | 14427.56 |
| 12 | 2026-12 | 307.50 | 25.25 | 282.25 | 14145.31 |
| 13 | 2027-01 | 307.50 | 24.75 | 282.75 | 13862.56 |
| 14 | 2027-02 | 307.50 | 24.26 | 283.24 | 13579.32 |
| 15 | 2027-03 | 307.50 | 23.76 | 283.74 | 13295.58 |
| 16 | 2027-04 | 307.50 | 23.27 | 284.23 | 13011.35 |
| 17 | 2027-05 | 307.50 | 22.77 | 284.73 | 12726.61 |
| 18 | 2027-06 | 307.50 | 22.27 | 285.23 | 12441.38 |
| 19 | 2027-07 | 307.50 | 21.77 | 285.73 | 12155.65 |
| 20 | 2027-08 | 307.50 | 21.27 | 286.23 | 11869.42 |
| 21 | 2027-09 | 307.50 | 20.77 | 286.73 | 11582.69 |
| 22 | 2027-10 | 307.50 | 20.27 | 287.23 | 11295.46 |
| 23 | 2027-11 | 307.50 | 19.77 | 287.73 | 11007.73 |
| 24 | 2027-12 | 307.50 | 19.26 | 288.24 | 10719.49 |
| 25 | 2028-01 | 307.50 | 18.76 | 288.74 | 10430.75 |
| 26 | 2028-02 | 307.50 | 18.25 | 289.25 | 10141.50 |
| 27 | 2028-03 | 307.50 | 17.75 | 289.75 | 9851.74 |
| 28 | 2028-04 | 307.50 | 17.24 | 290.26 | 9561.48 |
| 29 | 2028-05 | 307.50 | 16.73 | 290.77 | 9270.71 |
| 30 | 2028-06 | 307.50 | 16.22 | 291.28 | 8979.43 |
| 31 | 2028-07 | 307.50 | 15.71 | 291.79 | 8687.65 |
| 32 | 2028-08 | 307.50 | 15.20 | 292.30 | 8395.35 |
| 33 | 2028-09 | 307.50 | 14.69 | 292.81 | 8102.54 |
| 34 | 2028-10 | 307.50 | 14.18 | 293.32 | 7809.21 |
| 35 | 2028-11 | 307.50 | 13.67 | 293.84 | 7515.38 |
| 36 | 2028-12 | 307.50 | 13.15 | 294.35 | 7221.03 |
| 37 | 2029-01 | 307.50 | 12.64 | 294.87 | 6926.16 |
| 38 | 2029-02 | 307.50 | 12.12 | 295.38 | 6630.78 |
| 39 | 2029-03 | 307.50 | 11.60 | 295.90 | 6334.88 |
| 40 | 2029-04 | 307.50 | 11.09 | 296.42 | 6038.47 |
| 41 | 2029-05 | 307.50 | 10.57 | 296.93 | 5741.53 |
| 42 | 2029-06 | 307.50 | 10.05 | 297.45 | 5444.08 |
| 43 | 2029-07 | 307.50 | 9.53 | 297.97 | 5146.10 |
| 44 | 2029-08 | 307.50 | 9.01 | 298.50 | 4847.61 |
| 45 | 2029-09 | 307.50 | 8.48 | 299.02 | 4548.59 |
| 46 | 2029-10 | 307.50 | 7.96 | 299.54 | 4249.05 |
| 47 | 2029-11 | 307.50 | 7.44 | 300.07 | 3948.98 |
| 48 | 2029-12 | 307.50 | 6.91 | 300.59 | 3648.39 |
| 49 | 2030-01 | 307.50 | 6.38 | 301.12 | 3347.27 |
| 50 | 2030-02 | 307.50 | 5.86 | 301.64 | 3045.63 |
| 51 | 2030-03 | 307.50 | 5.33 | 302.17 | 2743.46 |
| 52 | 2030-04 | 307.50 | 4.80 | 302.70 | 2440.76 |
| 53 | 2030-05 | 307.50 | 4.27 | 303.23 | 2137.53 |
| 54 | 2030-06 | 307.50 | 3.74 | 303.76 | 1833.76 |
| 55 | 2030-07 | 307.50 | 3.21 | 304.29 | 1529.47 |
| 56 | 2030-08 | 307.50 | 2.68 | 304.83 | 1224.65 |
| 57 | 2030-09 | 307.50 | 2.14 | 305.36 | 919.29 |
| 58 | 2030-10 | 307.50 | 1.61 | 305.89 | 613.39 |
| 59 | 2030-11 | 307.50 | 1.07 | 306.43 | 306.96 |
| 60 | 2030-12 | 307.50 | 0.54 | 306.96 | 0.00 |
等额本金还款方式：
贷款总额：1.75万
还款月数：5年
首月还款：322.29元
每月递减：0.51元
利息总额：934.06元
本息合计：1.84万
节省利息：16.06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 | 322.29 | 30.63 | 291.67 | 17208.33 |
| 2 | 2026-02 | 321.78 | 30.11 | 291.67 | 16916.67 |
| 3 | 2026-03 | 321.27 | 29.60 | 291.67 | 16625.00 |
| 4 | 2026-04 | 320.76 | 29.09 | 291.67 | 16333.33 |
| 5 | 2026-05 | 320.25 | 28.58 | 291.67 | 16041.67 |
| 6 | 2026-06 | 319.74 | 28.07 | 291.67 | 15750.00 |
| 7 | 2026-07 | 319.23 | 27.56 | 291.67 | 15458.33 |
| 8 | 2026-08 | 318.72 | 27.05 | 291.67 | 15166.67 |
| 9 | 2026-09 | 318.21 | 26.54 | 291.67 | 14875.00 |
| 10 | 2026-10 | 317.70 | 26.03 | 291.67 | 14583.33 |
| 11 | 2026-11 | 317.19 | 25.52 | 291.67 | 14291.67 |
| 12 | 2026-12 | 316.68 | 25.01 | 291.67 | 14000.00 |
| 13 | 2027-01 | 316.17 | 24.50 | 291.67 | 13708.33 |
| 14 | 2027-02 | 315.66 | 23.99 | 291.67 | 13416.67 |
| 15 | 2027-03 | 315.15 | 23.48 | 291.67 | 13125.00 |
| 16 | 2027-04 | 314.64 | 22.97 | 291.67 | 12833.33 |
| 17 | 2027-05 | 314.13 | 22.46 | 291.67 | 12541.67 |
| 18 | 2027-06 | 313.61 | 21.95 | 291.67 | 12250.00 |
| 19 | 2027-07 | 313.10 | 21.44 | 291.67 | 11958.33 |
| 20 | 2027-08 | 312.59 | 20.93 | 291.67 | 11666.67 |
| 21 | 2027-09 | 312.08 | 20.42 | 291.67 | 11375.00 |
| 22 | 2027-10 | 311.57 | 19.91 | 291.67 | 11083.33 |
| 23 | 2027-11 | 311.06 | 19.40 | 291.67 | 10791.67 |
| 24 | 2027-12 | 310.55 | 18.89 | 291.67 | 10500.00 |
| 25 | 2028-01 | 310.04 | 18.38 | 291.67 | 10208.33 |
| 26 | 2028-02 | 309.53 | 17.86 | 291.67 | 9916.67 |
| 27 | 2028-03 | 309.02 | 17.35 | 291.67 | 9625.00 |
| 28 | 2028-04 | 308.51 | 16.84 | 291.67 | 9333.33 |
| 29 | 2028-05 | 308.00 | 16.33 | 291.67 | 9041.67 |
| 30 | 2028-06 | 307.49 | 15.82 | 291.67 | 8750.00 |
| 31 | 2028-07 | 306.98 | 15.31 | 291.67 | 8458.33 |
| 32 | 2028-08 | 306.47 | 14.80 | 291.67 | 8166.67 |
| 33 | 2028-09 | 305.96 | 14.29 | 291.67 | 7875.00 |
| 34 | 2028-10 | 305.45 | 13.78 | 291.67 | 7583.33 |
| 35 | 2028-11 | 304.94 | 13.27 | 291.67 | 7291.67 |
| 36 | 2028-12 | 304.43 | 12.76 | 291.67 | 7000.00 |
| 37 | 2029-01 | 303.92 | 12.25 | 291.67 | 6708.33 |
| 38 | 2029-02 | 303.41 | 11.74 | 291.67 | 6416.67 |
| 39 | 2029-03 | 302.90 | 11.23 | 291.67 | 6125.00 |
| 40 | 2029-04 | 302.39 | 10.72 | 291.67 | 5833.33 |
| 41 | 2029-05 | 301.88 | 10.21 | 291.67 | 5541.67 |
| 42 | 2029-06 | 301.36 | 9.70 | 291.67 | 5250.00 |
| 43 | 2029-07 | 300.85 | 9.19 | 291.67 | 4958.33 |
| 44 | 2029-08 | 300.34 | 8.68 | 291.67 | 4666.67 |
| 45 | 2029-09 | 299.83 | 8.17 | 291.67 | 4375.00 |
| 46 | 2029-10 | 299.32 | 7.66 | 291.67 | 4083.33 |
| 47 | 2029-11 | 298.81 | 7.15 | 291.67 | 3791.67 |
| 48 | 2029-12 | 298.30 | 6.64 | 291.67 | 3500.00 |
| 49 | 2030-01 | 297.79 | 6.13 | 291.67 | 3208.33 |
| 50 | 2030-02 | 297.28 | 5.61 | 291.67 | 2916.67 |
| 51 | 2030-03 | 296.77 | 5.10 | 291.67 | 2625.00 |
| 52 | 2030-04 | 296.26 | 4.59 | 291.67 | 2333.33 |
| 53 | 2030-05 | 295.75 | 4.08 | 291.67 | 2041.67 |
| 54 | 2030-06 | 295.24 | 3.57 | 291.67 | 1750.00 |
| 55 | 2030-07 | 294.73 | 3.06 | 291.67 | 1458.33 |
| 56 | 2030-08 | 294.22 | 2.55 | 291.67 | 1166.67 |
| 57 | 2030-09 | 293.71 | 2.04 | 291.67 | 875.00 |
| 58 | 2030-10 | 293.20 | 1.53 | 291.67 | 583.33 |
| 59 | 2030-11 | 292.69 | 1.02 | 291.67 | 291.67 |
| 60 | 2030-12 | 292.18 | 0.51 | 291.67 | 0.00 |