长沙贷款9万（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：9万
还款月数：5年
每月还款：1601.23元
利息总额：6074.04元
本息合计：9.61万
| 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 | 1601.23 | 195.00 | 1406.23 | 88593.77 |
| 2 | 2026-02 | 1601.23 | 191.95 | 1409.28 | 87184.49 |
| 3 | 2026-03 | 1601.23 | 188.90 | 1412.33 | 85772.15 |
| 4 | 2026-04 | 1601.23 | 185.84 | 1415.39 | 84356.76 |
| 5 | 2026-05 | 1601.23 | 182.77 | 1418.46 | 82938.30 |
| 6 | 2026-06 | 1601.23 | 179.70 | 1421.53 | 81516.76 |
| 7 | 2026-07 | 1601.23 | 176.62 | 1424.61 | 80092.15 |
| 8 | 2026-08 | 1601.23 | 173.53 | 1427.70 | 78664.45 |
| 9 | 2026-09 | 1601.23 | 170.44 | 1430.79 | 77233.65 |
| 10 | 2026-10 | 1601.23 | 167.34 | 1433.89 | 75799.76 |
| 11 | 2026-11 | 1601.23 | 164.23 | 1437.00 | 74362.76 |
| 12 | 2026-12 | 1601.23 | 161.12 | 1440.11 | 72922.64 |
| 13 | 2027-01 | 1601.23 | 158.00 | 1443.23 | 71479.41 |
| 14 | 2027-02 | 1601.23 | 154.87 | 1446.36 | 70033.04 |
| 15 | 2027-03 | 1601.23 | 151.74 | 1449.50 | 68583.55 |
| 16 | 2027-04 | 1601.23 | 148.60 | 1452.64 | 67130.91 |
| 17 | 2027-05 | 1601.23 | 145.45 | 1455.78 | 65675.13 |
| 18 | 2027-06 | 1601.23 | 142.30 | 1458.94 | 64216.19 |
| 19 | 2027-07 | 1601.23 | 139.14 | 1462.10 | 62754.09 |
| 20 | 2027-08 | 1601.23 | 135.97 | 1465.27 | 61288.82 |
| 21 | 2027-09 | 1601.23 | 132.79 | 1468.44 | 59820.38 |
| 22 | 2027-10 | 1601.23 | 129.61 | 1471.62 | 58348.76 |
| 23 | 2027-11 | 1601.23 | 126.42 | 1474.81 | 56873.95 |
| 24 | 2027-12 | 1601.23 | 123.23 | 1478.01 | 55395.94 |
| 25 | 2028-01 | 1601.23 | 120.02 | 1481.21 | 53914.73 |
| 26 | 2028-02 | 1601.23 | 116.82 | 1484.42 | 52430.31 |
| 27 | 2028-03 | 1601.23 | 113.60 | 1487.64 | 50942.68 |
| 28 | 2028-04 | 1601.23 | 110.38 | 1490.86 | 49451.82 |
| 29 | 2028-05 | 1601.23 | 107.15 | 1494.09 | 47957.73 |
| 30 | 2028-06 | 1601.23 | 103.91 | 1497.33 | 46460.40 |
| 31 | 2028-07 | 1601.23 | 100.66 | 1500.57 | 44959.84 |
| 32 | 2028-08 | 1601.23 | 97.41 | 1503.82 | 43456.01 |
| 33 | 2028-09 | 1601.23 | 94.15 | 1507.08 | 41948.93 |
| 34 | 2028-10 | 1601.23 | 90.89 | 1510.34 | 40438.59 |
| 35 | 2028-11 | 1601.23 | 87.62 | 1513.62 | 38924.97 |
| 36 | 2028-12 | 1601.23 | 84.34 | 1516.90 | 37408.08 |
| 37 | 2029-01 | 1601.23 | 81.05 | 1520.18 | 35887.89 |
| 38 | 2029-02 | 1601.23 | 77.76 | 1523.48 | 34364.42 |
| 39 | 2029-03 | 1601.23 | 74.46 | 1526.78 | 32837.64 |
| 40 | 2029-04 | 1601.23 | 71.15 | 1530.09 | 31307.55 |
| 41 | 2029-05 | 1601.23 | 67.83 | 1533.40 | 29774.15 |
| 42 | 2029-06 | 1601.23 | 64.51 | 1536.72 | 28237.43 |
| 43 | 2029-07 | 1601.23 | 61.18 | 1540.05 | 26697.38 |
| 44 | 2029-08 | 1601.23 | 57.84 | 1543.39 | 25153.99 |
| 45 | 2029-09 | 1601.23 | 54.50 | 1546.73 | 23607.25 |
| 46 | 2029-10 | 1601.23 | 51.15 | 1550.08 | 22057.17 |
| 47 | 2029-11 | 1601.23 | 47.79 | 1553.44 | 20503.72 |
| 48 | 2029-12 | 1601.23 | 44.42 | 1556.81 | 18946.91 |
| 49 | 2030-01 | 1601.23 | 41.05 | 1560.18 | 17386.73 |
| 50 | 2030-02 | 1601.23 | 37.67 | 1563.56 | 15823.17 |
| 51 | 2030-03 | 1601.23 | 34.28 | 1566.95 | 14256.22 |
| 52 | 2030-04 | 1601.23 | 30.89 | 1570.35 | 12685.87 |
| 53 | 2030-05 | 1601.23 | 27.49 | 1573.75 | 11112.12 |
| 54 | 2030-06 | 1601.23 | 24.08 | 1577.16 | 9534.97 |
| 55 | 2030-07 | 1601.23 | 20.66 | 1580.57 | 7954.39 |
| 56 | 2030-08 | 1601.23 | 17.23 | 1584.00 | 6370.39 |
| 57 | 2030-09 | 1601.23 | 13.80 | 1587.43 | 4782.96 |
| 58 | 2030-10 | 1601.23 | 10.36 | 1590.87 | 3192.09 |
| 59 | 2030-11 | 1601.23 | 6.92 | 1594.32 | 1597.77 |
| 60 | 2030-12 | 1601.23 | 3.46 | 1597.77 | 0.00 |
等额本金还款方式：
贷款总额：9万
还款月数：5年
首月还款：1695元
每月递减：3.25元
利息总额：5947.5元
本息合计：9.59万
节省利息：126.54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 | 1695.00 | 195.00 | 1500.00 | 88500.00 |
| 2 | 2026-02 | 1691.75 | 191.75 | 1500.00 | 87000.00 |
| 3 | 2026-03 | 1688.50 | 188.50 | 1500.00 | 85500.00 |
| 4 | 2026-04 | 1685.25 | 185.25 | 1500.00 | 84000.00 |
| 5 | 2026-05 | 1682.00 | 182.00 | 1500.00 | 82500.00 |
| 6 | 2026-06 | 1678.75 | 178.75 | 1500.00 | 81000.00 |
| 7 | 2026-07 | 1675.50 | 175.50 | 1500.00 | 79500.00 |
| 8 | 2026-08 | 1672.25 | 172.25 | 1500.00 | 78000.00 |
| 9 | 2026-09 | 1669.00 | 169.00 | 1500.00 | 76500.00 |
| 10 | 2026-10 | 1665.75 | 165.75 | 1500.00 | 75000.00 |
| 11 | 2026-11 | 1662.50 | 162.50 | 1500.00 | 73500.00 |
| 12 | 2026-12 | 1659.25 | 159.25 | 1500.00 | 72000.00 |
| 13 | 2027-01 | 1656.00 | 156.00 | 1500.00 | 70500.00 |
| 14 | 2027-02 | 1652.75 | 152.75 | 1500.00 | 69000.00 |
| 15 | 2027-03 | 1649.50 | 149.50 | 1500.00 | 67500.00 |
| 16 | 2027-04 | 1646.25 | 146.25 | 1500.00 | 66000.00 |
| 17 | 2027-05 | 1643.00 | 143.00 | 1500.00 | 64500.00 |
| 18 | 2027-06 | 1639.75 | 139.75 | 1500.00 | 63000.00 |
| 19 | 2027-07 | 1636.50 | 136.50 | 1500.00 | 61500.00 |
| 20 | 2027-08 | 1633.25 | 133.25 | 1500.00 | 60000.00 |
| 21 | 2027-09 | 1630.00 | 130.00 | 1500.00 | 58500.00 |
| 22 | 2027-10 | 1626.75 | 126.75 | 1500.00 | 57000.00 |
| 23 | 2027-11 | 1623.50 | 123.50 | 1500.00 | 55500.00 |
| 24 | 2027-12 | 1620.25 | 120.25 | 1500.00 | 54000.00 |
| 25 | 2028-01 | 1617.00 | 117.00 | 1500.00 | 52500.00 |
| 26 | 2028-02 | 1613.75 | 113.75 | 1500.00 | 51000.00 |
| 27 | 2028-03 | 1610.50 | 110.50 | 1500.00 | 49500.00 |
| 28 | 2028-04 | 1607.25 | 107.25 | 1500.00 | 48000.00 |
| 29 | 2028-05 | 1604.00 | 104.00 | 1500.00 | 46500.00 |
| 30 | 2028-06 | 1600.75 | 100.75 | 1500.00 | 45000.00 |
| 31 | 2028-07 | 1597.50 | 97.50 | 1500.00 | 43500.00 |
| 32 | 2028-08 | 1594.25 | 94.25 | 1500.00 | 42000.00 |
| 33 | 2028-09 | 1591.00 | 91.00 | 1500.00 | 40500.00 |
| 34 | 2028-10 | 1587.75 | 87.75 | 1500.00 | 39000.00 |
| 35 | 2028-11 | 1584.50 | 84.50 | 1500.00 | 37500.00 |
| 36 | 2028-12 | 1581.25 | 81.25 | 1500.00 | 36000.00 |
| 37 | 2029-01 | 1578.00 | 78.00 | 1500.00 | 34500.00 |
| 38 | 2029-02 | 1574.75 | 74.75 | 1500.00 | 33000.00 |
| 39 | 2029-03 | 1571.50 | 71.50 | 1500.00 | 31500.00 |
| 40 | 2029-04 | 1568.25 | 68.25 | 1500.00 | 30000.00 |
| 41 | 2029-05 | 1565.00 | 65.00 | 1500.00 | 28500.00 |
| 42 | 2029-06 | 1561.75 | 61.75 | 1500.00 | 27000.00 |
| 43 | 2029-07 | 1558.50 | 58.50 | 1500.00 | 25500.00 |
| 44 | 2029-08 | 1555.25 | 55.25 | 1500.00 | 24000.00 |
| 45 | 2029-09 | 1552.00 | 52.00 | 1500.00 | 22500.00 |
| 46 | 2029-10 | 1548.75 | 48.75 | 1500.00 | 21000.00 |
| 47 | 2029-11 | 1545.50 | 45.50 | 1500.00 | 19500.00 |
| 48 | 2029-12 | 1542.25 | 42.25 | 1500.00 | 18000.00 |
| 49 | 2030-01 | 1539.00 | 39.00 | 1500.00 | 16500.00 |
| 50 | 2030-02 | 1535.75 | 35.75 | 1500.00 | 15000.00 |
| 51 | 2030-03 | 1532.50 | 32.50 | 1500.00 | 13500.00 |
| 52 | 2030-04 | 1529.25 | 29.25 | 1500.00 | 12000.00 |
| 53 | 2030-05 | 1526.00 | 26.00 | 1500.00 | 10500.00 |
| 54 | 2030-06 | 1522.75 | 22.75 | 1500.00 | 9000.00 |
| 55 | 2030-07 | 1519.50 | 19.50 | 1500.00 | 7500.00 |
| 56 | 2030-08 | 1516.25 | 16.25 | 1500.00 | 6000.00 |
| 57 | 2030-09 | 1513.00 | 13.00 | 1500.00 | 4500.00 |
| 58 | 2030-10 | 1509.75 | 9.75 | 1500.00 | 3000.00 |
| 59 | 2030-11 | 1506.50 | 6.50 | 1500.00 | 1500.00 |
| 60 | 2030-12 | 1503.25 | 3.25 | 1500.00 | 0.00 |