昆明贷款45万（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：45万
还款月数：5年
每月还款：7907.19元
利息总额：2.44万
本息合计：47.44万
| 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 | 7907.19 | 787.50 | 7119.69 | 442880.31 |
| 2 | 2025-12 | 7907.19 | 775.04 | 7132.15 | 435748.15 |
| 3 | 2026-01 | 7907.19 | 762.56 | 7144.63 | 428603.52 |
| 4 | 2026-02 | 7907.19 | 750.06 | 7157.14 | 421446.38 |
| 5 | 2026-03 | 7907.19 | 737.53 | 7169.66 | 414276.72 |
| 6 | 2026-04 | 7907.19 | 724.98 | 7182.21 | 407094.51 |
| 7 | 2026-05 | 7907.19 | 712.42 | 7194.78 | 399899.73 |
| 8 | 2026-06 | 7907.19 | 699.82 | 7207.37 | 392692.36 |
| 9 | 2026-07 | 7907.19 | 687.21 | 7219.98 | 385472.38 |
| 10 | 2026-08 | 7907.19 | 674.58 | 7232.62 | 378239.76 |
| 11 | 2026-09 | 7907.19 | 661.92 | 7245.27 | 370994.49 |
| 12 | 2026-10 | 7907.19 | 649.24 | 7257.95 | 363736.53 |
| 13 | 2026-11 | 7907.19 | 636.54 | 7270.65 | 356465.88 |
| 14 | 2026-12 | 7907.19 | 623.82 | 7283.38 | 349182.50 |
| 15 | 2027-01 | 7907.19 | 611.07 | 7296.12 | 341886.37 |
| 16 | 2027-02 | 7907.19 | 598.30 | 7308.89 | 334577.48 |
| 17 | 2027-03 | 7907.19 | 585.51 | 7321.68 | 327255.80 |
| 18 | 2027-04 | 7907.19 | 572.70 | 7334.50 | 319921.30 |
| 19 | 2027-05 | 7907.19 | 559.86 | 7347.33 | 312573.97 |
| 20 | 2027-06 | 7907.19 | 547.00 | 7360.19 | 305213.78 |
| 21 | 2027-07 | 7907.19 | 534.12 | 7373.07 | 297840.71 |
| 22 | 2027-08 | 7907.19 | 521.22 | 7385.97 | 290454.74 |
| 23 | 2027-09 | 7907.19 | 508.30 | 7398.90 | 283055.84 |
| 24 | 2027-10 | 7907.19 | 495.35 | 7411.85 | 275643.99 |
| 25 | 2027-11 | 7907.19 | 482.38 | 7424.82 | 268219.18 |
| 26 | 2027-12 | 7907.19 | 469.38 | 7437.81 | 260781.37 |
| 27 | 2028-01 | 7907.19 | 456.37 | 7450.83 | 253330.54 |
| 28 | 2028-02 | 7907.19 | 443.33 | 7463.87 | 245866.67 |
| 29 | 2028-03 | 7907.19 | 430.27 | 7476.93 | 238389.75 |
| 30 | 2028-04 | 7907.19 | 417.18 | 7490.01 | 230899.74 |
| 31 | 2028-05 | 7907.19 | 404.07 | 7503.12 | 223396.62 |
| 32 | 2028-06 | 7907.19 | 390.94 | 7516.25 | 215880.37 |
| 33 | 2028-07 | 7907.19 | 377.79 | 7529.40 | 208350.96 |
| 34 | 2028-08 | 7907.19 | 364.61 | 7542.58 | 200808.38 |
| 35 | 2028-09 | 7907.19 | 351.41 | 7555.78 | 193252.60 |
| 36 | 2028-10 | 7907.19 | 338.19 | 7569.00 | 185683.60 |
| 37 | 2028-11 | 7907.19 | 324.95 | 7582.25 | 178101.35 |
| 38 | 2028-12 | 7907.19 | 311.68 | 7595.52 | 170505.84 |
| 39 | 2029-01 | 7907.19 | 298.39 | 7608.81 | 162897.03 |
| 40 | 2029-02 | 7907.19 | 285.07 | 7622.12 | 155274.90 |
| 41 | 2029-03 | 7907.19 | 271.73 | 7635.46 | 147639.44 |
| 42 | 2029-04 | 7907.19 | 258.37 | 7648.82 | 139990.62 |
| 43 | 2029-05 | 7907.19 | 244.98 | 7662.21 | 132328.41 |
| 44 | 2029-06 | 7907.19 | 231.57 | 7675.62 | 124652.79 |
| 45 | 2029-07 | 7907.19 | 218.14 | 7689.05 | 116963.74 |
| 46 | 2029-08 | 7907.19 | 204.69 | 7702.51 | 109261.23 |
| 47 | 2029-09 | 7907.19 | 191.21 | 7715.99 | 101545.24 |
| 48 | 2029-10 | 7907.19 | 177.70 | 7729.49 | 93815.75 |
| 49 | 2029-11 | 7907.19 | 164.18 | 7743.02 | 86072.74 |
| 50 | 2029-12 | 7907.19 | 150.63 | 7756.57 | 78316.17 |
| 51 | 2030-01 | 7907.19 | 137.05 | 7770.14 | 70546.03 |
| 52 | 2030-02 | 7907.19 | 123.46 | 7783.74 | 62762.29 |
| 53 | 2030-03 | 7907.19 | 109.83 | 7797.36 | 54964.93 |
| 54 | 2030-04 | 7907.19 | 96.19 | 7811.01 | 47153.92 |
| 55 | 2030-05 | 7907.19 | 82.52 | 7824.67 | 39329.25 |
| 56 | 2030-06 | 7907.19 | 68.83 | 7838.37 | 31490.88 |
| 57 | 2030-07 | 7907.19 | 55.11 | 7852.08 | 23638.80 |
| 58 | 2030-08 | 7907.19 | 41.37 | 7865.83 | 15772.97 |
| 59 | 2030-09 | 7907.19 | 27.60 | 7879.59 | 7893.38 |
| 60 | 2030-10 | 7907.19 | 13.81 | 7893.38 | 0.00 |
等额本金还款方式：
贷款总额：45万
还款月数：5年
首月还款：8287.5元
每月递减：13.13元
利息总额：2.4万
本息合计：47.4万
节省利息：412.89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 | 8287.50 | 787.50 | 7500.00 | 442500.00 |
| 2 | 2025-12 | 8274.38 | 774.38 | 7500.00 | 435000.00 |
| 3 | 2026-01 | 8261.25 | 761.25 | 7500.00 | 427500.00 |
| 4 | 2026-02 | 8248.13 | 748.13 | 7500.00 | 420000.00 |
| 5 | 2026-03 | 8235.00 | 735.00 | 7500.00 | 412500.00 |
| 6 | 2026-04 | 8221.88 | 721.88 | 7500.00 | 405000.00 |
| 7 | 2026-05 | 8208.75 | 708.75 | 7500.00 | 397500.00 |
| 8 | 2026-06 | 8195.63 | 695.63 | 7500.00 | 390000.00 |
| 9 | 2026-07 | 8182.50 | 682.50 | 7500.00 | 382500.00 |
| 10 | 2026-08 | 8169.38 | 669.38 | 7500.00 | 375000.00 |
| 11 | 2026-09 | 8156.25 | 656.25 | 7500.00 | 367500.00 |
| 12 | 2026-10 | 8143.13 | 643.13 | 7500.00 | 360000.00 |
| 13 | 2026-11 | 8130.00 | 630.00 | 7500.00 | 352500.00 |
| 14 | 2026-12 | 8116.88 | 616.88 | 7500.00 | 345000.00 |
| 15 | 2027-01 | 8103.75 | 603.75 | 7500.00 | 337500.00 |
| 16 | 2027-02 | 8090.63 | 590.63 | 7500.00 | 330000.00 |
| 17 | 2027-03 | 8077.50 | 577.50 | 7500.00 | 322500.00 |
| 18 | 2027-04 | 8064.38 | 564.38 | 7500.00 | 315000.00 |
| 19 | 2027-05 | 8051.25 | 551.25 | 7500.00 | 307500.00 |
| 20 | 2027-06 | 8038.13 | 538.13 | 7500.00 | 300000.00 |
| 21 | 2027-07 | 8025.00 | 525.00 | 7500.00 | 292500.00 |
| 22 | 2027-08 | 8011.88 | 511.88 | 7500.00 | 285000.00 |
| 23 | 2027-09 | 7998.75 | 498.75 | 7500.00 | 277500.00 |
| 24 | 2027-10 | 7985.63 | 485.63 | 7500.00 | 270000.00 |
| 25 | 2027-11 | 7972.50 | 472.50 | 7500.00 | 262500.00 |
| 26 | 2027-12 | 7959.38 | 459.38 | 7500.00 | 255000.00 |
| 27 | 2028-01 | 7946.25 | 446.25 | 7500.00 | 247500.00 |
| 28 | 2028-02 | 7933.13 | 433.13 | 7500.00 | 240000.00 |
| 29 | 2028-03 | 7920.00 | 420.00 | 7500.00 | 232500.00 |
| 30 | 2028-04 | 7906.88 | 406.88 | 7500.00 | 225000.00 |
| 31 | 2028-05 | 7893.75 | 393.75 | 7500.00 | 217500.00 |
| 32 | 2028-06 | 7880.63 | 380.63 | 7500.00 | 210000.00 |
| 33 | 2028-07 | 7867.50 | 367.50 | 7500.00 | 202500.00 |
| 34 | 2028-08 | 7854.38 | 354.38 | 7500.00 | 195000.00 |
| 35 | 2028-09 | 7841.25 | 341.25 | 7500.00 | 187500.00 |
| 36 | 2028-10 | 7828.13 | 328.13 | 7500.00 | 180000.00 |
| 37 | 2028-11 | 7815.00 | 315.00 | 7500.00 | 172500.00 |
| 38 | 2028-12 | 7801.88 | 301.88 | 7500.00 | 165000.00 |
| 39 | 2029-01 | 7788.75 | 288.75 | 7500.00 | 157500.00 |
| 40 | 2029-02 | 7775.63 | 275.63 | 7500.00 | 150000.00 |
| 41 | 2029-03 | 7762.50 | 262.50 | 7500.00 | 142500.00 |
| 42 | 2029-04 | 7749.38 | 249.38 | 7500.00 | 135000.00 |
| 43 | 2029-05 | 7736.25 | 236.25 | 7500.00 | 127500.00 |
| 44 | 2029-06 | 7723.13 | 223.13 | 7500.00 | 120000.00 |
| 45 | 2029-07 | 7710.00 | 210.00 | 7500.00 | 112500.00 |
| 46 | 2029-08 | 7696.88 | 196.88 | 7500.00 | 105000.00 |
| 47 | 2029-09 | 7683.75 | 183.75 | 7500.00 | 97500.00 |
| 48 | 2029-10 | 7670.63 | 170.63 | 7500.00 | 90000.00 |
| 49 | 2029-11 | 7657.50 | 157.50 | 7500.00 | 82500.00 |
| 50 | 2029-12 | 7644.38 | 144.38 | 7500.00 | 75000.00 |
| 51 | 2030-01 | 7631.25 | 131.25 | 7500.00 | 67500.00 |
| 52 | 2030-02 | 7618.13 | 118.13 | 7500.00 | 60000.00 |
| 53 | 2030-03 | 7605.00 | 105.00 | 7500.00 | 52500.00 |
| 54 | 2030-04 | 7591.88 | 91.88 | 7500.00 | 45000.00 |
| 55 | 2030-05 | 7578.75 | 78.75 | 7500.00 | 37500.00 |
| 56 | 2030-06 | 7565.63 | 65.63 | 7500.00 | 30000.00 |
| 57 | 2030-07 | 7552.50 | 52.50 | 7500.00 | 22500.00 |
| 58 | 2030-08 | 7539.38 | 39.38 | 7500.00 | 15000.00 |
| 59 | 2030-09 | 7526.25 | 26.25 | 7500.00 | 7500.00 |
| 60 | 2030-10 | 7513.13 | 13.13 | 7500.00 | 0.00 |