贷款126万（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：126万
还款月数：5年
每月还款：22417.28元
利息总额：8.5万
本息合计：134.5万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 22417.28 | 2730.00 | 19687.28 | 1240312.72 |
| 2 | 2025-12 | 22417.28 | 2687.34 | 19729.93 | 1220582.79 |
| 3 | 2026-01 | 22417.28 | 2644.60 | 19772.68 | 1200810.11 |
| 4 | 2026-02 | 22417.28 | 2601.76 | 19815.52 | 1180994.59 |
| 5 | 2026-03 | 22417.28 | 2558.82 | 19858.45 | 1161136.13 |
| 6 | 2026-04 | 22417.28 | 2515.79 | 19901.48 | 1141234.65 |
| 7 | 2026-05 | 22417.28 | 2472.68 | 19944.60 | 1121290.05 |
| 8 | 2026-06 | 22417.28 | 2429.46 | 19987.81 | 1101302.24 |
| 9 | 2026-07 | 22417.28 | 2386.15 | 20031.12 | 1081271.12 |
| 10 | 2026-08 | 22417.28 | 2342.75 | 20074.52 | 1061196.59 |
| 11 | 2026-09 | 22417.28 | 2299.26 | 20118.02 | 1041078.58 |
| 12 | 2026-10 | 22417.28 | 2255.67 | 20161.61 | 1020916.97 |
| 13 | 2026-11 | 22417.28 | 2211.99 | 20205.29 | 1000711.68 |
| 14 | 2026-12 | 22417.28 | 2168.21 | 20249.07 | 980462.61 |
| 15 | 2027-01 | 22417.28 | 2124.34 | 20292.94 | 960169.67 |
| 16 | 2027-02 | 22417.28 | 2080.37 | 20336.91 | 939832.76 |
| 17 | 2027-03 | 22417.28 | 2036.30 | 20380.97 | 919451.79 |
| 18 | 2027-04 | 22417.28 | 1992.15 | 20425.13 | 899026.66 |
| 19 | 2027-05 | 22417.28 | 1947.89 | 20469.39 | 878557.27 |
| 20 | 2027-06 | 22417.28 | 1903.54 | 20513.74 | 858043.54 |
| 21 | 2027-07 | 22417.28 | 1859.09 | 20558.18 | 837485.36 |
| 22 | 2027-08 | 22417.28 | 1814.55 | 20602.72 | 816882.63 |
| 23 | 2027-09 | 22417.28 | 1769.91 | 20647.36 | 796235.27 |
| 24 | 2027-10 | 22417.28 | 1725.18 | 20692.10 | 775543.17 |
| 25 | 2027-11 | 22417.28 | 1680.34 | 20736.93 | 754806.23 |
| 26 | 2027-12 | 22417.28 | 1635.41 | 20781.86 | 734024.37 |
| 27 | 2028-01 | 22417.28 | 1590.39 | 20826.89 | 713197.48 |
| 28 | 2028-02 | 22417.28 | 1545.26 | 20872.02 | 692325.46 |
| 29 | 2028-03 | 22417.28 | 1500.04 | 20917.24 | 671408.23 |
| 30 | 2028-04 | 22417.28 | 1454.72 | 20962.56 | 650445.67 |
| 31 | 2028-05 | 22417.28 | 1409.30 | 21007.98 | 629437.69 |
| 32 | 2028-06 | 22417.28 | 1363.78 | 21053.49 | 608384.20 |
| 33 | 2028-07 | 22417.28 | 1318.17 | 21099.11 | 587285.09 |
| 34 | 2028-08 | 22417.28 | 1272.45 | 21144.83 | 566140.26 |
| 35 | 2028-09 | 22417.28 | 1226.64 | 21190.64 | 544949.62 |
| 36 | 2028-10 | 22417.28 | 1180.72 | 21236.55 | 523713.07 |
| 37 | 2028-11 | 22417.28 | 1134.71 | 21282.56 | 502430.50 |
| 38 | 2028-12 | 22417.28 | 1088.60 | 21328.68 | 481101.83 |
| 39 | 2029-01 | 22417.28 | 1042.39 | 21374.89 | 459726.94 |
| 40 | 2029-02 | 22417.28 | 996.08 | 21421.20 | 438305.74 |
| 41 | 2029-03 | 22417.28 | 949.66 | 21467.61 | 416838.12 |
| 42 | 2029-04 | 22417.28 | 903.15 | 21514.13 | 395323.99 |
| 43 | 2029-05 | 22417.28 | 856.54 | 21560.74 | 373763.25 |
| 44 | 2029-06 | 22417.28 | 809.82 | 21607.46 | 352155.80 |
| 45 | 2029-07 | 22417.28 | 763.00 | 21654.27 | 330501.52 |
| 46 | 2029-08 | 22417.28 | 716.09 | 21701.19 | 308800.33 |
| 47 | 2029-09 | 22417.28 | 669.07 | 21748.21 | 287052.13 |
| 48 | 2029-10 | 22417.28 | 621.95 | 21795.33 | 265256.80 |
| 49 | 2029-11 | 22417.28 | 574.72 | 21842.55 | 243414.24 |
| 50 | 2029-12 | 22417.28 | 527.40 | 21889.88 | 221524.36 |
| 51 | 2030-01 | 22417.28 | 479.97 | 21937.31 | 199587.06 |
| 52 | 2030-02 | 22417.28 | 432.44 | 21984.84 | 177602.22 |
| 53 | 2030-03 | 22417.28 | 384.80 | 22032.47 | 155569.75 |
| 54 | 2030-04 | 22417.28 | 337.07 | 22080.21 | 133489.54 |
| 55 | 2030-05 | 22417.28 | 289.23 | 22128.05 | 111361.49 |
| 56 | 2030-06 | 22417.28 | 241.28 | 22175.99 | 89185.50 |
| 57 | 2030-07 | 22417.28 | 193.24 | 22224.04 | 66961.45 |
| 58 | 2030-08 | 22417.28 | 145.08 | 22272.19 | 44689.26 |
| 59 | 2030-09 | 22417.28 | 96.83 | 22320.45 | 22368.81 |
| 60 | 2030-10 | 22417.28 | 48.47 | 22368.81 | 0.00 |
等额本金还款方式：
贷款总额：126万
还款月数：5年
首月还款：23730元
每月递减：45.5元
利息总额：8.33万
本息合计：134.33万
节省利息：1771.59元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 23730.00 | 2730.00 | 21000.00 | 1239000.00 |
| 2 | 2025-12 | 23684.50 | 2684.50 | 21000.00 | 1218000.00 |
| 3 | 2026-01 | 23639.00 | 2639.00 | 21000.00 | 1197000.00 |
| 4 | 2026-02 | 23593.50 | 2593.50 | 21000.00 | 1176000.00 |
| 5 | 2026-03 | 23548.00 | 2548.00 | 21000.00 | 1155000.00 |
| 6 | 2026-04 | 23502.50 | 2502.50 | 21000.00 | 1134000.00 |
| 7 | 2026-05 | 23457.00 | 2457.00 | 21000.00 | 1113000.00 |
| 8 | 2026-06 | 23411.50 | 2411.50 | 21000.00 | 1092000.00 |
| 9 | 2026-07 | 23366.00 | 2366.00 | 21000.00 | 1071000.00 |
| 10 | 2026-08 | 23320.50 | 2320.50 | 21000.00 | 1050000.00 |
| 11 | 2026-09 | 23275.00 | 2275.00 | 21000.00 | 1029000.00 |
| 12 | 2026-10 | 23229.50 | 2229.50 | 21000.00 | 1008000.00 |
| 13 | 2026-11 | 23184.00 | 2184.00 | 21000.00 | 987000.00 |
| 14 | 2026-12 | 23138.50 | 2138.50 | 21000.00 | 966000.00 |
| 15 | 2027-01 | 23093.00 | 2093.00 | 21000.00 | 945000.00 |
| 16 | 2027-02 | 23047.50 | 2047.50 | 21000.00 | 924000.00 |
| 17 | 2027-03 | 23002.00 | 2002.00 | 21000.00 | 903000.00 |
| 18 | 2027-04 | 22956.50 | 1956.50 | 21000.00 | 882000.00 |
| 19 | 2027-05 | 22911.00 | 1911.00 | 21000.00 | 861000.00 |
| 20 | 2027-06 | 22865.50 | 1865.50 | 21000.00 | 840000.00 |
| 21 | 2027-07 | 22820.00 | 1820.00 | 21000.00 | 819000.00 |
| 22 | 2027-08 | 22774.50 | 1774.50 | 21000.00 | 798000.00 |
| 23 | 2027-09 | 22729.00 | 1729.00 | 21000.00 | 777000.00 |
| 24 | 2027-10 | 22683.50 | 1683.50 | 21000.00 | 756000.00 |
| 25 | 2027-11 | 22638.00 | 1638.00 | 21000.00 | 735000.00 |
| 26 | 2027-12 | 22592.50 | 1592.50 | 21000.00 | 714000.00 |
| 27 | 2028-01 | 22547.00 | 1547.00 | 21000.00 | 693000.00 |
| 28 | 2028-02 | 22501.50 | 1501.50 | 21000.00 | 672000.00 |
| 29 | 2028-03 | 22456.00 | 1456.00 | 21000.00 | 651000.00 |
| 30 | 2028-04 | 22410.50 | 1410.50 | 21000.00 | 630000.00 |
| 31 | 2028-05 | 22365.00 | 1365.00 | 21000.00 | 609000.00 |
| 32 | 2028-06 | 22319.50 | 1319.50 | 21000.00 | 588000.00 |
| 33 | 2028-07 | 22274.00 | 1274.00 | 21000.00 | 567000.00 |
| 34 | 2028-08 | 22228.50 | 1228.50 | 21000.00 | 546000.00 |
| 35 | 2028-09 | 22183.00 | 1183.00 | 21000.00 | 525000.00 |
| 36 | 2028-10 | 22137.50 | 1137.50 | 21000.00 | 504000.00 |
| 37 | 2028-11 | 22092.00 | 1092.00 | 21000.00 | 483000.00 |
| 38 | 2028-12 | 22046.50 | 1046.50 | 21000.00 | 462000.00 |
| 39 | 2029-01 | 22001.00 | 1001.00 | 21000.00 | 441000.00 |
| 40 | 2029-02 | 21955.50 | 955.50 | 21000.00 | 420000.00 |
| 41 | 2029-03 | 21910.00 | 910.00 | 21000.00 | 399000.00 |
| 42 | 2029-04 | 21864.50 | 864.50 | 21000.00 | 378000.00 |
| 43 | 2029-05 | 21819.00 | 819.00 | 21000.00 | 357000.00 |
| 44 | 2029-06 | 21773.50 | 773.50 | 21000.00 | 336000.00 |
| 45 | 2029-07 | 21728.00 | 728.00 | 21000.00 | 315000.00 |
| 46 | 2029-08 | 21682.50 | 682.50 | 21000.00 | 294000.00 |
| 47 | 2029-09 | 21637.00 | 637.00 | 21000.00 | 273000.00 |
| 48 | 2029-10 | 21591.50 | 591.50 | 21000.00 | 252000.00 |
| 49 | 2029-11 | 21546.00 | 546.00 | 21000.00 | 231000.00 |
| 50 | 2029-12 | 21500.50 | 500.50 | 21000.00 | 210000.00 |
| 51 | 2030-01 | 21455.00 | 455.00 | 21000.00 | 189000.00 |
| 52 | 2030-02 | 21409.50 | 409.50 | 21000.00 | 168000.00 |
| 53 | 2030-03 | 21364.00 | 364.00 | 21000.00 | 147000.00 |
| 54 | 2030-04 | 21318.50 | 318.50 | 21000.00 | 126000.00 |
| 55 | 2030-05 | 21273.00 | 273.00 | 21000.00 | 105000.00 |
| 56 | 2030-06 | 21227.50 | 227.50 | 21000.00 | 84000.00 |
| 57 | 2030-07 | 21182.00 | 182.00 | 21000.00 | 63000.00 |
| 58 | 2030-08 | 21136.50 | 136.50 | 21000.00 | 42000.00 |
| 59 | 2030-09 | 21091.00 | 91.00 | 21000.00 | 21000.00 |
| 60 | 2030-10 | 21045.50 | 45.50 | 21000.00 | 0.00 |