上海贷款26万（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：26万
还款月数：5年
每月还款：4568.6元
利息总额：1.41万
本息合计：27.41万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 4568.60 | 455.00 | 4113.60 | 255886.40 |
| 2 | 2025-07 | 4568.60 | 447.80 | 4120.80 | 251765.60 |
| 3 | 2025-08 | 4568.60 | 440.59 | 4128.01 | 247637.59 |
| 4 | 2025-09 | 4568.60 | 433.37 | 4135.24 | 243502.35 |
| 5 | 2025-10 | 4568.60 | 426.13 | 4142.47 | 239359.88 |
| 6 | 2025-11 | 4568.60 | 418.88 | 4149.72 | 235210.16 |
| 7 | 2025-12 | 4568.60 | 411.62 | 4156.98 | 231053.18 |
| 8 | 2026-01 | 4568.60 | 404.34 | 4164.26 | 226888.92 |
| 9 | 2026-02 | 4568.60 | 397.06 | 4171.55 | 222717.37 |
| 10 | 2026-03 | 4568.60 | 389.76 | 4178.85 | 218538.53 |
| 11 | 2026-04 | 4568.60 | 382.44 | 4186.16 | 214352.37 |
| 12 | 2026-05 | 4568.60 | 375.12 | 4193.48 | 210158.89 |
| 13 | 2026-06 | 4568.60 | 367.78 | 4200.82 | 205958.06 |
| 14 | 2026-07 | 4568.60 | 360.43 | 4208.17 | 201749.89 |
| 15 | 2026-08 | 4568.60 | 353.06 | 4215.54 | 197534.35 |
| 16 | 2026-09 | 4568.60 | 345.69 | 4222.92 | 193311.43 |
| 17 | 2026-10 | 4568.60 | 338.30 | 4230.31 | 189081.13 |
| 18 | 2026-11 | 4568.60 | 330.89 | 4237.71 | 184843.42 |
| 19 | 2026-12 | 4568.60 | 323.48 | 4245.12 | 180598.29 |
| 20 | 2027-01 | 4568.60 | 316.05 | 4252.55 | 176345.74 |
| 21 | 2027-02 | 4568.60 | 308.61 | 4260.00 | 172085.74 |
| 22 | 2027-03 | 4568.60 | 301.15 | 4267.45 | 167818.29 |
| 23 | 2027-04 | 4568.60 | 293.68 | 4274.92 | 163543.37 |
| 24 | 2027-05 | 4568.60 | 286.20 | 4282.40 | 159260.97 |
| 25 | 2027-06 | 4568.60 | 278.71 | 4289.89 | 154971.08 |
| 26 | 2027-07 | 4568.60 | 271.20 | 4297.40 | 150673.68 |
| 27 | 2027-08 | 4568.60 | 263.68 | 4304.92 | 146368.76 |
| 28 | 2027-09 | 4568.60 | 256.15 | 4312.46 | 142056.30 |
| 29 | 2027-10 | 4568.60 | 248.60 | 4320.00 | 137736.30 |
| 30 | 2027-11 | 4568.60 | 241.04 | 4327.56 | 133408.74 |
| 31 | 2027-12 | 4568.60 | 233.47 | 4335.14 | 129073.60 |
| 32 | 2028-01 | 4568.60 | 225.88 | 4342.72 | 124730.88 |
| 33 | 2028-02 | 4568.60 | 218.28 | 4350.32 | 120380.56 |
| 34 | 2028-03 | 4568.60 | 210.67 | 4357.93 | 116022.62 |
| 35 | 2028-04 | 4568.60 | 203.04 | 4365.56 | 111657.06 |
| 36 | 2028-05 | 4568.60 | 195.40 | 4373.20 | 107283.86 |
| 37 | 2028-06 | 4568.60 | 187.75 | 4380.85 | 102903.00 |
| 38 | 2028-07 | 4568.60 | 180.08 | 4388.52 | 98514.48 |
| 39 | 2028-08 | 4568.60 | 172.40 | 4396.20 | 94118.28 |
| 40 | 2028-09 | 4568.60 | 164.71 | 4403.89 | 89714.39 |
| 41 | 2028-10 | 4568.60 | 157.00 | 4411.60 | 85302.79 |
| 42 | 2028-11 | 4568.60 | 149.28 | 4419.32 | 80883.47 |
| 43 | 2028-12 | 4568.60 | 141.55 | 4427.05 | 76456.41 |
| 44 | 2029-01 | 4568.60 | 133.80 | 4434.80 | 72021.61 |
| 45 | 2029-02 | 4568.60 | 126.04 | 4442.56 | 67579.05 |
| 46 | 2029-03 | 4568.60 | 118.26 | 4450.34 | 63128.71 |
| 47 | 2029-04 | 4568.60 | 110.48 | 4458.13 | 58670.58 |
| 48 | 2029-05 | 4568.60 | 102.67 | 4465.93 | 54204.66 |
| 49 | 2029-06 | 4568.60 | 94.86 | 4473.74 | 49730.91 |
| 50 | 2029-07 | 4568.60 | 87.03 | 4481.57 | 45249.34 |
| 51 | 2029-08 | 4568.60 | 79.19 | 4489.41 | 40759.93 |
| 52 | 2029-09 | 4568.60 | 71.33 | 4497.27 | 36262.66 |
| 53 | 2029-10 | 4568.60 | 63.46 | 4505.14 | 31757.52 |
| 54 | 2029-11 | 4568.60 | 55.58 | 4513.03 | 27244.49 |
| 55 | 2029-12 | 4568.60 | 47.68 | 4520.92 | 22723.57 |
| 56 | 2030-01 | 4568.60 | 39.77 | 4528.83 | 18194.73 |
| 57 | 2030-02 | 4568.60 | 31.84 | 4536.76 | 13657.97 |
| 58 | 2030-03 | 4568.60 | 23.90 | 4544.70 | 9113.27 |
| 59 | 2030-04 | 4568.60 | 15.95 | 4552.65 | 4560.62 |
| 60 | 2030-05 | 4568.60 | 7.98 | 4560.62 | 0.00 |
等额本金还款方式：
贷款总额：26万
还款月数：5年
首月还款：4788.33元
每月递减：7.58元
利息总额：1.39万
本息合计：27.39万
节省利息：238.56元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 4788.33 | 455.00 | 4333.33 | 255666.67 |
| 2 | 2025-07 | 4780.75 | 447.42 | 4333.33 | 251333.33 |
| 3 | 2025-08 | 4773.17 | 439.83 | 4333.33 | 247000.00 |
| 4 | 2025-09 | 4765.58 | 432.25 | 4333.33 | 242666.67 |
| 5 | 2025-10 | 4758.00 | 424.67 | 4333.33 | 238333.33 |
| 6 | 2025-11 | 4750.42 | 417.08 | 4333.33 | 234000.00 |
| 7 | 2025-12 | 4742.83 | 409.50 | 4333.33 | 229666.67 |
| 8 | 2026-01 | 4735.25 | 401.92 | 4333.33 | 225333.33 |
| 9 | 2026-02 | 4727.67 | 394.33 | 4333.33 | 221000.00 |
| 10 | 2026-03 | 4720.08 | 386.75 | 4333.33 | 216666.67 |
| 11 | 2026-04 | 4712.50 | 379.17 | 4333.33 | 212333.33 |
| 12 | 2026-05 | 4704.92 | 371.58 | 4333.33 | 208000.00 |
| 13 | 2026-06 | 4697.33 | 364.00 | 4333.33 | 203666.67 |
| 14 | 2026-07 | 4689.75 | 356.42 | 4333.33 | 199333.33 |
| 15 | 2026-08 | 4682.17 | 348.83 | 4333.33 | 195000.00 |
| 16 | 2026-09 | 4674.58 | 341.25 | 4333.33 | 190666.67 |
| 17 | 2026-10 | 4667.00 | 333.67 | 4333.33 | 186333.33 |
| 18 | 2026-11 | 4659.42 | 326.08 | 4333.33 | 182000.00 |
| 19 | 2026-12 | 4651.83 | 318.50 | 4333.33 | 177666.67 |
| 20 | 2027-01 | 4644.25 | 310.92 | 4333.33 | 173333.33 |
| 21 | 2027-02 | 4636.67 | 303.33 | 4333.33 | 169000.00 |
| 22 | 2027-03 | 4629.08 | 295.75 | 4333.33 | 164666.67 |
| 23 | 2027-04 | 4621.50 | 288.17 | 4333.33 | 160333.33 |
| 24 | 2027-05 | 4613.92 | 280.58 | 4333.33 | 156000.00 |
| 25 | 2027-06 | 4606.33 | 273.00 | 4333.33 | 151666.67 |
| 26 | 2027-07 | 4598.75 | 265.42 | 4333.33 | 147333.33 |
| 27 | 2027-08 | 4591.17 | 257.83 | 4333.33 | 143000.00 |
| 28 | 2027-09 | 4583.58 | 250.25 | 4333.33 | 138666.67 |
| 29 | 2027-10 | 4576.00 | 242.67 | 4333.33 | 134333.33 |
| 30 | 2027-11 | 4568.42 | 235.08 | 4333.33 | 130000.00 |
| 31 | 2027-12 | 4560.83 | 227.50 | 4333.33 | 125666.67 |
| 32 | 2028-01 | 4553.25 | 219.92 | 4333.33 | 121333.33 |
| 33 | 2028-02 | 4545.67 | 212.33 | 4333.33 | 117000.00 |
| 34 | 2028-03 | 4538.08 | 204.75 | 4333.33 | 112666.67 |
| 35 | 2028-04 | 4530.50 | 197.17 | 4333.33 | 108333.33 |
| 36 | 2028-05 | 4522.92 | 189.58 | 4333.33 | 104000.00 |
| 37 | 2028-06 | 4515.33 | 182.00 | 4333.33 | 99666.67 |
| 38 | 2028-07 | 4507.75 | 174.42 | 4333.33 | 95333.33 |
| 39 | 2028-08 | 4500.17 | 166.83 | 4333.33 | 91000.00 |
| 40 | 2028-09 | 4492.58 | 159.25 | 4333.33 | 86666.67 |
| 41 | 2028-10 | 4485.00 | 151.67 | 4333.33 | 82333.33 |
| 42 | 2028-11 | 4477.42 | 144.08 | 4333.33 | 78000.00 |
| 43 | 2028-12 | 4469.83 | 136.50 | 4333.33 | 73666.67 |
| 44 | 2029-01 | 4462.25 | 128.92 | 4333.33 | 69333.33 |
| 45 | 2029-02 | 4454.67 | 121.33 | 4333.33 | 65000.00 |
| 46 | 2029-03 | 4447.08 | 113.75 | 4333.33 | 60666.67 |
| 47 | 2029-04 | 4439.50 | 106.17 | 4333.33 | 56333.33 |
| 48 | 2029-05 | 4431.92 | 98.58 | 4333.33 | 52000.00 |
| 49 | 2029-06 | 4424.33 | 91.00 | 4333.33 | 47666.67 |
| 50 | 2029-07 | 4416.75 | 83.42 | 4333.33 | 43333.33 |
| 51 | 2029-08 | 4409.17 | 75.83 | 4333.33 | 39000.00 |
| 52 | 2029-09 | 4401.58 | 68.25 | 4333.33 | 34666.67 |
| 53 | 2029-10 | 4394.00 | 60.67 | 4333.33 | 30333.33 |
| 54 | 2029-11 | 4386.42 | 53.08 | 4333.33 | 26000.00 |
| 55 | 2029-12 | 4378.83 | 45.50 | 4333.33 | 21666.67 |
| 56 | 2030-01 | 4371.25 | 37.92 | 4333.33 | 17333.33 |
| 57 | 2030-02 | 4363.67 | 30.33 | 4333.33 | 13000.00 |
| 58 | 2030-03 | 4356.08 | 22.75 | 4333.33 | 8666.67 |
| 59 | 2030-04 | 4348.50 | 15.17 | 4333.33 | 4333.33 |
| 60 | 2030-05 | 4340.92 | 7.58 | 4333.33 | 0.00 |