贷款12万（公积金贷款）房贷，还款5年8个月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：12万
还款月数：5年8个月
每月还款：1915.8元
利息总额：1.03万
本息合计：13.03万
| 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 | 1915.80 | 290.00 | 1625.80 | 118374.20 |
| 2 | 2025-07 | 1915.80 | 286.07 | 1629.73 | 116744.47 |
| 3 | 2025-08 | 1915.80 | 282.13 | 1633.67 | 115110.80 |
| 4 | 2025-09 | 1915.80 | 278.18 | 1637.62 | 113473.18 |
| 5 | 2025-10 | 1915.80 | 274.23 | 1641.58 | 111831.60 |
| 6 | 2025-11 | 1915.80 | 270.26 | 1645.54 | 110186.06 |
| 7 | 2025-12 | 1915.80 | 266.28 | 1649.52 | 108536.54 |
| 8 | 2026-01 | 1915.80 | 262.30 | 1653.51 | 106883.04 |
| 9 | 2026-02 | 1915.80 | 258.30 | 1657.50 | 105225.53 |
| 10 | 2026-03 | 1915.80 | 254.30 | 1661.51 | 103564.03 |
| 11 | 2026-04 | 1915.80 | 250.28 | 1665.52 | 101898.51 |
| 12 | 2026-05 | 1915.80 | 246.25 | 1669.55 | 100228.96 |
| 13 | 2026-06 | 1915.80 | 242.22 | 1673.58 | 98555.38 |
| 14 | 2026-07 | 1915.80 | 238.18 | 1677.63 | 96877.75 |
| 15 | 2026-08 | 1915.80 | 234.12 | 1681.68 | 95196.07 |
| 16 | 2026-09 | 1915.80 | 230.06 | 1685.75 | 93510.32 |
| 17 | 2026-10 | 1915.80 | 225.98 | 1689.82 | 91820.50 |
| 18 | 2026-11 | 1915.80 | 221.90 | 1693.90 | 90126.60 |
| 19 | 2026-12 | 1915.80 | 217.81 | 1698.00 | 88428.61 |
| 20 | 2027-01 | 1915.80 | 213.70 | 1702.10 | 86726.51 |
| 21 | 2027-02 | 1915.80 | 209.59 | 1706.21 | 85020.29 |
| 22 | 2027-03 | 1915.80 | 205.47 | 1710.34 | 83309.96 |
| 23 | 2027-04 | 1915.80 | 201.33 | 1714.47 | 81595.49 |
| 24 | 2027-05 | 1915.80 | 197.19 | 1718.61 | 79876.87 |
| 25 | 2027-06 | 1915.80 | 193.04 | 1722.77 | 78154.11 |
| 26 | 2027-07 | 1915.80 | 188.87 | 1726.93 | 76427.18 |
| 27 | 2027-08 | 1915.80 | 184.70 | 1731.10 | 74696.07 |
| 28 | 2027-09 | 1915.80 | 180.52 | 1735.29 | 72960.79 |
| 29 | 2027-10 | 1915.80 | 176.32 | 1739.48 | 71221.31 |
| 30 | 2027-11 | 1915.80 | 172.12 | 1743.68 | 69477.62 |
| 31 | 2027-12 | 1915.80 | 167.90 | 1747.90 | 67729.72 |
| 32 | 2028-01 | 1915.80 | 163.68 | 1752.12 | 65977.60 |
| 33 | 2028-02 | 1915.80 | 159.45 | 1756.36 | 64221.25 |
| 34 | 2028-03 | 1915.80 | 155.20 | 1760.60 | 62460.65 |
| 35 | 2028-04 | 1915.80 | 150.95 | 1764.86 | 60695.79 |
| 36 | 2028-05 | 1915.80 | 146.68 | 1769.12 | 58926.67 |
| 37 | 2028-06 | 1915.80 | 142.41 | 1773.40 | 57153.27 |
| 38 | 2028-07 | 1915.80 | 138.12 | 1777.68 | 55375.59 |
| 39 | 2028-08 | 1915.80 | 133.82 | 1781.98 | 53593.61 |
| 40 | 2028-09 | 1915.80 | 129.52 | 1786.28 | 51807.33 |
| 41 | 2028-10 | 1915.80 | 125.20 | 1790.60 | 50016.73 |
| 42 | 2028-11 | 1915.80 | 120.87 | 1794.93 | 48221.80 |
| 43 | 2028-12 | 1915.80 | 116.54 | 1799.27 | 46422.53 |
| 44 | 2029-01 | 1915.80 | 112.19 | 1803.61 | 44618.92 |
| 45 | 2029-02 | 1915.80 | 107.83 | 1807.97 | 42810.95 |
| 46 | 2029-03 | 1915.80 | 103.46 | 1812.34 | 40998.60 |
| 47 | 2029-04 | 1915.80 | 99.08 | 1816.72 | 39181.88 |
| 48 | 2029-05 | 1915.80 | 94.69 | 1821.11 | 37360.77 |
| 49 | 2029-06 | 1915.80 | 90.29 | 1825.51 | 35535.25 |
| 50 | 2029-07 | 1915.80 | 85.88 | 1829.93 | 33705.33 |
| 51 | 2029-08 | 1915.80 | 81.45 | 1834.35 | 31870.98 |
| 52 | 2029-09 | 1915.80 | 77.02 | 1838.78 | 30032.20 |
| 53 | 2029-10 | 1915.80 | 72.58 | 1843.22 | 28188.98 |
| 54 | 2029-11 | 1915.80 | 68.12 | 1847.68 | 26341.30 |
| 55 | 2029-12 | 1915.80 | 63.66 | 1852.14 | 24489.15 |
| 56 | 2030-01 | 1915.80 | 59.18 | 1856.62 | 22632.53 |
| 57 | 2030-02 | 1915.80 | 54.70 | 1861.11 | 20771.43 |
| 58 | 2030-03 | 1915.80 | 50.20 | 1865.60 | 18905.82 |
| 59 | 2030-04 | 1915.80 | 45.69 | 1870.11 | 17035.71 |
| 60 | 2030-05 | 1915.80 | 41.17 | 1874.63 | 15161.08 |
| 61 | 2030-06 | 1915.80 | 36.64 | 1879.16 | 13281.91 |
| 62 | 2030-07 | 1915.80 | 32.10 | 1883.70 | 11398.21 |
| 63 | 2030-08 | 1915.80 | 27.55 | 1888.26 | 9509.95 |
| 64 | 2030-09 | 1915.80 | 22.98 | 1892.82 | 7617.13 |
| 65 | 2030-10 | 1915.80 | 18.41 | 1897.39 | 5719.74 |
| 66 | 2030-11 | 1915.80 | 13.82 | 1901.98 | 3817.76 |
| 67 | 2030-12 | 1915.80 | 9.23 | 1906.58 | 1911.18 |
| 68 | 2031-01 | 1915.80 | 4.62 | 1911.18 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：5年8个月
首月还款：2054.71元
每月递减：4.26元
利息总额：1万
本息合计：13万
节省利息：269.55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 | 2054.71 | 290.00 | 1764.71 | 118235.29 |
| 2 | 2025-07 | 2050.44 | 285.74 | 1764.71 | 116470.59 |
| 3 | 2025-08 | 2046.18 | 281.47 | 1764.71 | 114705.88 |
| 4 | 2025-09 | 2041.91 | 277.21 | 1764.71 | 112941.18 |
| 5 | 2025-10 | 2037.65 | 272.94 | 1764.71 | 111176.47 |
| 6 | 2025-11 | 2033.38 | 268.68 | 1764.71 | 109411.76 |
| 7 | 2025-12 | 2029.12 | 264.41 | 1764.71 | 107647.06 |
| 8 | 2026-01 | 2024.85 | 260.15 | 1764.71 | 105882.35 |
| 9 | 2026-02 | 2020.59 | 255.88 | 1764.71 | 104117.65 |
| 10 | 2026-03 | 2016.32 | 251.62 | 1764.71 | 102352.94 |
| 11 | 2026-04 | 2012.06 | 247.35 | 1764.71 | 100588.24 |
| 12 | 2026-05 | 2007.79 | 243.09 | 1764.71 | 98823.53 |
| 13 | 2026-06 | 2003.53 | 238.82 | 1764.71 | 97058.82 |
| 14 | 2026-07 | 1999.26 | 234.56 | 1764.71 | 95294.12 |
| 15 | 2026-08 | 1995.00 | 230.29 | 1764.71 | 93529.41 |
| 16 | 2026-09 | 1990.74 | 226.03 | 1764.71 | 91764.71 |
| 17 | 2026-10 | 1986.47 | 221.76 | 1764.71 | 90000.00 |
| 18 | 2026-11 | 1982.21 | 217.50 | 1764.71 | 88235.29 |
| 19 | 2026-12 | 1977.94 | 213.24 | 1764.71 | 86470.59 |
| 20 | 2027-01 | 1973.68 | 208.97 | 1764.71 | 84705.88 |
| 21 | 2027-02 | 1969.41 | 204.71 | 1764.71 | 82941.18 |
| 22 | 2027-03 | 1965.15 | 200.44 | 1764.71 | 81176.47 |
| 23 | 2027-04 | 1960.88 | 196.18 | 1764.71 | 79411.76 |
| 24 | 2027-05 | 1956.62 | 191.91 | 1764.71 | 77647.06 |
| 25 | 2027-06 | 1952.35 | 187.65 | 1764.71 | 75882.35 |
| 26 | 2027-07 | 1948.09 | 183.38 | 1764.71 | 74117.65 |
| 27 | 2027-08 | 1943.82 | 179.12 | 1764.71 | 72352.94 |
| 28 | 2027-09 | 1939.56 | 174.85 | 1764.71 | 70588.24 |
| 29 | 2027-10 | 1935.29 | 170.59 | 1764.71 | 68823.53 |
| 30 | 2027-11 | 1931.03 | 166.32 | 1764.71 | 67058.82 |
| 31 | 2027-12 | 1926.76 | 162.06 | 1764.71 | 65294.12 |
| 32 | 2028-01 | 1922.50 | 157.79 | 1764.71 | 63529.41 |
| 33 | 2028-02 | 1918.24 | 153.53 | 1764.71 | 61764.71 |
| 34 | 2028-03 | 1913.97 | 149.26 | 1764.71 | 60000.00 |
| 35 | 2028-04 | 1909.71 | 145.00 | 1764.71 | 58235.29 |
| 36 | 2028-05 | 1905.44 | 140.74 | 1764.71 | 56470.59 |
| 37 | 2028-06 | 1901.18 | 136.47 | 1764.71 | 54705.88 |
| 38 | 2028-07 | 1896.91 | 132.21 | 1764.71 | 52941.18 |
| 39 | 2028-08 | 1892.65 | 127.94 | 1764.71 | 51176.47 |
| 40 | 2028-09 | 1888.38 | 123.68 | 1764.71 | 49411.76 |
| 41 | 2028-10 | 1884.12 | 119.41 | 1764.71 | 47647.06 |
| 42 | 2028-11 | 1879.85 | 115.15 | 1764.71 | 45882.35 |
| 43 | 2028-12 | 1875.59 | 110.88 | 1764.71 | 44117.65 |
| 44 | 2029-01 | 1871.32 | 106.62 | 1764.71 | 42352.94 |
| 45 | 2029-02 | 1867.06 | 102.35 | 1764.71 | 40588.24 |
| 46 | 2029-03 | 1862.79 | 98.09 | 1764.71 | 38823.53 |
| 47 | 2029-04 | 1858.53 | 93.82 | 1764.71 | 37058.82 |
| 48 | 2029-05 | 1854.26 | 89.56 | 1764.71 | 35294.12 |
| 49 | 2029-06 | 1850.00 | 85.29 | 1764.71 | 33529.41 |
| 50 | 2029-07 | 1845.74 | 81.03 | 1764.71 | 31764.71 |
| 51 | 2029-08 | 1841.47 | 76.76 | 1764.71 | 30000.00 |
| 52 | 2029-09 | 1837.21 | 72.50 | 1764.71 | 28235.29 |
| 53 | 2029-10 | 1832.94 | 68.24 | 1764.71 | 26470.59 |
| 54 | 2029-11 | 1828.68 | 63.97 | 1764.71 | 24705.88 |
| 55 | 2029-12 | 1824.41 | 59.71 | 1764.71 | 22941.18 |
| 56 | 2030-01 | 1820.15 | 55.44 | 1764.71 | 21176.47 |
| 57 | 2030-02 | 1815.88 | 51.18 | 1764.71 | 19411.76 |
| 58 | 2030-03 | 1811.62 | 46.91 | 1764.71 | 17647.06 |
| 59 | 2030-04 | 1807.35 | 42.65 | 1764.71 | 15882.35 |
| 60 | 2030-05 | 1803.09 | 38.38 | 1764.71 | 14117.65 |
| 61 | 2030-06 | 1798.82 | 34.12 | 1764.71 | 12352.94 |
| 62 | 2030-07 | 1794.56 | 29.85 | 1764.71 | 10588.24 |
| 63 | 2030-08 | 1790.29 | 25.59 | 1764.71 | 8823.53 |
| 64 | 2030-09 | 1786.03 | 21.32 | 1764.71 | 7058.82 |
| 65 | 2030-10 | 1781.76 | 17.06 | 1764.71 | 5294.12 |
| 66 | 2030-11 | 1777.50 | 12.79 | 1764.71 | 3529.41 |
| 67 | 2030-12 | 1773.24 | 8.53 | 1764.71 | 1764.71 |
| 68 | 2031-01 | 1768.97 | 4.26 | 1764.71 | 0.00 |