贷款28.8万（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：28.8万
还款月数：5年
每月还款：5060.6元
利息总额：1.56万
本息合计：30.36万
| 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 | 5060.60 | 504.00 | 4556.60 | 283443.40 |
| 2 | 2025-07 | 5060.60 | 496.03 | 4564.58 | 278878.82 |
| 3 | 2025-08 | 5060.60 | 488.04 | 4572.57 | 274306.25 |
| 4 | 2025-09 | 5060.60 | 480.04 | 4580.57 | 269725.68 |
| 5 | 2025-10 | 5060.60 | 472.02 | 4588.58 | 265137.10 |
| 6 | 2025-11 | 5060.60 | 463.99 | 4596.61 | 260540.49 |
| 7 | 2025-12 | 5060.60 | 455.95 | 4604.66 | 255935.83 |
| 8 | 2026-01 | 5060.60 | 447.89 | 4612.72 | 251323.11 |
| 9 | 2026-02 | 5060.60 | 439.82 | 4620.79 | 246702.32 |
| 10 | 2026-03 | 5060.60 | 431.73 | 4628.88 | 242073.45 |
| 11 | 2026-04 | 5060.60 | 423.63 | 4636.98 | 237436.47 |
| 12 | 2026-05 | 5060.60 | 415.51 | 4645.09 | 232791.38 |
| 13 | 2026-06 | 5060.60 | 407.38 | 4653.22 | 228138.16 |
| 14 | 2026-07 | 5060.60 | 399.24 | 4661.36 | 223476.80 |
| 15 | 2026-08 | 5060.60 | 391.08 | 4669.52 | 218807.28 |
| 16 | 2026-09 | 5060.60 | 382.91 | 4677.69 | 214129.59 |
| 17 | 2026-10 | 5060.60 | 374.73 | 4685.88 | 209443.71 |
| 18 | 2026-11 | 5060.60 | 366.53 | 4694.08 | 204749.63 |
| 19 | 2026-12 | 5060.60 | 358.31 | 4702.29 | 200047.34 |
| 20 | 2027-01 | 5060.60 | 350.08 | 4710.52 | 195336.82 |
| 21 | 2027-02 | 5060.60 | 341.84 | 4718.76 | 190618.05 |
| 22 | 2027-03 | 5060.60 | 333.58 | 4727.02 | 185891.03 |
| 23 | 2027-04 | 5060.60 | 325.31 | 4735.29 | 181155.74 |
| 24 | 2027-05 | 5060.60 | 317.02 | 4743.58 | 176412.16 |
| 25 | 2027-06 | 5060.60 | 308.72 | 4751.88 | 171660.27 |
| 26 | 2027-07 | 5060.60 | 300.41 | 4760.20 | 166900.07 |
| 27 | 2027-08 | 5060.60 | 292.08 | 4768.53 | 162131.55 |
| 28 | 2027-09 | 5060.60 | 283.73 | 4776.87 | 157354.67 |
| 29 | 2027-10 | 5060.60 | 275.37 | 4785.23 | 152569.44 |
| 30 | 2027-11 | 5060.60 | 267.00 | 4793.61 | 147775.83 |
| 31 | 2027-12 | 5060.60 | 258.61 | 4802.00 | 142973.83 |
| 32 | 2028-01 | 5060.60 | 250.20 | 4810.40 | 138163.43 |
| 33 | 2028-02 | 5060.60 | 241.79 | 4818.82 | 133344.62 |
| 34 | 2028-03 | 5060.60 | 233.35 | 4827.25 | 128517.37 |
| 35 | 2028-04 | 5060.60 | 224.91 | 4835.70 | 123681.67 |
| 36 | 2028-05 | 5060.60 | 216.44 | 4844.16 | 118837.51 |
| 37 | 2028-06 | 5060.60 | 207.97 | 4852.64 | 113984.87 |
| 38 | 2028-07 | 5060.60 | 199.47 | 4861.13 | 109123.74 |
| 39 | 2028-08 | 5060.60 | 190.97 | 4869.64 | 104254.10 |
| 40 | 2028-09 | 5060.60 | 182.44 | 4878.16 | 99375.94 |
| 41 | 2028-10 | 5060.60 | 173.91 | 4886.70 | 94489.24 |
| 42 | 2028-11 | 5060.60 | 165.36 | 4895.25 | 89594.00 |
| 43 | 2028-12 | 5060.60 | 156.79 | 4903.81 | 84690.18 |
| 44 | 2029-01 | 5060.60 | 148.21 | 4912.40 | 79777.78 |
| 45 | 2029-02 | 5060.60 | 139.61 | 4920.99 | 74856.79 |
| 46 | 2029-03 | 5060.60 | 131.00 | 4929.60 | 69927.19 |
| 47 | 2029-04 | 5060.60 | 122.37 | 4938.23 | 64988.95 |
| 48 | 2029-05 | 5060.60 | 113.73 | 4946.87 | 60042.08 |
| 49 | 2029-06 | 5060.60 | 105.07 | 4955.53 | 55086.55 |
| 50 | 2029-07 | 5060.60 | 96.40 | 4964.20 | 50122.35 |
| 51 | 2029-08 | 5060.60 | 87.71 | 4972.89 | 45149.46 |
| 52 | 2029-09 | 5060.60 | 79.01 | 4981.59 | 40167.87 |
| 53 | 2029-10 | 5060.60 | 70.29 | 4990.31 | 35177.56 |
| 54 | 2029-11 | 5060.60 | 61.56 | 4999.04 | 30178.51 |
| 55 | 2029-12 | 5060.60 | 52.81 | 5007.79 | 25170.72 |
| 56 | 2030-01 | 5060.60 | 44.05 | 5016.56 | 20154.16 |
| 57 | 2030-02 | 5060.60 | 35.27 | 5025.33 | 15128.83 |
| 58 | 2030-03 | 5060.60 | 26.48 | 5034.13 | 10094.70 |
| 59 | 2030-04 | 5060.60 | 17.67 | 5042.94 | 5051.76 |
| 60 | 2030-05 | 5060.60 | 8.84 | 5051.76 | 0.00 |
等额本金还款方式：
贷款总额：28.8万
还款月数：5年
首月还款：5304元
每月递减：8.4元
利息总额：1.54万
本息合计：30.34万
节省利息：264.25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 | 5304.00 | 504.00 | 4800.00 | 283200.00 |
| 2 | 2025-07 | 5295.60 | 495.60 | 4800.00 | 278400.00 |
| 3 | 2025-08 | 5287.20 | 487.20 | 4800.00 | 273600.00 |
| 4 | 2025-09 | 5278.80 | 478.80 | 4800.00 | 268800.00 |
| 5 | 2025-10 | 5270.40 | 470.40 | 4800.00 | 264000.00 |
| 6 | 2025-11 | 5262.00 | 462.00 | 4800.00 | 259200.00 |
| 7 | 2025-12 | 5253.60 | 453.60 | 4800.00 | 254400.00 |
| 8 | 2026-01 | 5245.20 | 445.20 | 4800.00 | 249600.00 |
| 9 | 2026-02 | 5236.80 | 436.80 | 4800.00 | 244800.00 |
| 10 | 2026-03 | 5228.40 | 428.40 | 4800.00 | 240000.00 |
| 11 | 2026-04 | 5220.00 | 420.00 | 4800.00 | 235200.00 |
| 12 | 2026-05 | 5211.60 | 411.60 | 4800.00 | 230400.00 |
| 13 | 2026-06 | 5203.20 | 403.20 | 4800.00 | 225600.00 |
| 14 | 2026-07 | 5194.80 | 394.80 | 4800.00 | 220800.00 |
| 15 | 2026-08 | 5186.40 | 386.40 | 4800.00 | 216000.00 |
| 16 | 2026-09 | 5178.00 | 378.00 | 4800.00 | 211200.00 |
| 17 | 2026-10 | 5169.60 | 369.60 | 4800.00 | 206400.00 |
| 18 | 2026-11 | 5161.20 | 361.20 | 4800.00 | 201600.00 |
| 19 | 2026-12 | 5152.80 | 352.80 | 4800.00 | 196800.00 |
| 20 | 2027-01 | 5144.40 | 344.40 | 4800.00 | 192000.00 |
| 21 | 2027-02 | 5136.00 | 336.00 | 4800.00 | 187200.00 |
| 22 | 2027-03 | 5127.60 | 327.60 | 4800.00 | 182400.00 |
| 23 | 2027-04 | 5119.20 | 319.20 | 4800.00 | 177600.00 |
| 24 | 2027-05 | 5110.80 | 310.80 | 4800.00 | 172800.00 |
| 25 | 2027-06 | 5102.40 | 302.40 | 4800.00 | 168000.00 |
| 26 | 2027-07 | 5094.00 | 294.00 | 4800.00 | 163200.00 |
| 27 | 2027-08 | 5085.60 | 285.60 | 4800.00 | 158400.00 |
| 28 | 2027-09 | 5077.20 | 277.20 | 4800.00 | 153600.00 |
| 29 | 2027-10 | 5068.80 | 268.80 | 4800.00 | 148800.00 |
| 30 | 2027-11 | 5060.40 | 260.40 | 4800.00 | 144000.00 |
| 31 | 2027-12 | 5052.00 | 252.00 | 4800.00 | 139200.00 |
| 32 | 2028-01 | 5043.60 | 243.60 | 4800.00 | 134400.00 |
| 33 | 2028-02 | 5035.20 | 235.20 | 4800.00 | 129600.00 |
| 34 | 2028-03 | 5026.80 | 226.80 | 4800.00 | 124800.00 |
| 35 | 2028-04 | 5018.40 | 218.40 | 4800.00 | 120000.00 |
| 36 | 2028-05 | 5010.00 | 210.00 | 4800.00 | 115200.00 |
| 37 | 2028-06 | 5001.60 | 201.60 | 4800.00 | 110400.00 |
| 38 | 2028-07 | 4993.20 | 193.20 | 4800.00 | 105600.00 |
| 39 | 2028-08 | 4984.80 | 184.80 | 4800.00 | 100800.00 |
| 40 | 2028-09 | 4976.40 | 176.40 | 4800.00 | 96000.00 |
| 41 | 2028-10 | 4968.00 | 168.00 | 4800.00 | 91200.00 |
| 42 | 2028-11 | 4959.60 | 159.60 | 4800.00 | 86400.00 |
| 43 | 2028-12 | 4951.20 | 151.20 | 4800.00 | 81600.00 |
| 44 | 2029-01 | 4942.80 | 142.80 | 4800.00 | 76800.00 |
| 45 | 2029-02 | 4934.40 | 134.40 | 4800.00 | 72000.00 |
| 46 | 2029-03 | 4926.00 | 126.00 | 4800.00 | 67200.00 |
| 47 | 2029-04 | 4917.60 | 117.60 | 4800.00 | 62400.00 |
| 48 | 2029-05 | 4909.20 | 109.20 | 4800.00 | 57600.00 |
| 49 | 2029-06 | 4900.80 | 100.80 | 4800.00 | 52800.00 |
| 50 | 2029-07 | 4892.40 | 92.40 | 4800.00 | 48000.00 |
| 51 | 2029-08 | 4884.00 | 84.00 | 4800.00 | 43200.00 |
| 52 | 2029-09 | 4875.60 | 75.60 | 4800.00 | 38400.00 |
| 53 | 2029-10 | 4867.20 | 67.20 | 4800.00 | 33600.00 |
| 54 | 2029-11 | 4858.80 | 58.80 | 4800.00 | 28800.00 |
| 55 | 2029-12 | 4850.40 | 50.40 | 4800.00 | 24000.00 |
| 56 | 2030-01 | 4842.00 | 42.00 | 4800.00 | 19200.00 |
| 57 | 2030-02 | 4833.60 | 33.60 | 4800.00 | 14400.00 |
| 58 | 2030-03 | 4825.20 | 25.20 | 4800.00 | 9600.00 |
| 59 | 2030-04 | 4816.80 | 16.80 | 4800.00 | 4800.00 |
| 60 | 2030-05 | 4808.40 | 8.40 | 4800.00 | 0.00 |