淄博贷款12.5万（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：12.5万
还款月数：5年
每月还款：2196.44元
利息总额：6786.57元
本息合计：13.18万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 2196.44 | 218.75 | 1977.69 | 123022.31 |
| 2 | 2025-08 | 2196.44 | 215.29 | 1981.15 | 121041.15 |
| 3 | 2025-09 | 2196.44 | 211.82 | 1984.62 | 119056.53 |
| 4 | 2025-10 | 2196.44 | 208.35 | 1988.09 | 117068.44 |
| 5 | 2025-11 | 2196.44 | 204.87 | 1991.57 | 115076.87 |
| 6 | 2025-12 | 2196.44 | 201.38 | 1995.06 | 113081.81 |
| 7 | 2026-01 | 2196.44 | 197.89 | 1998.55 | 111083.26 |
| 8 | 2026-02 | 2196.44 | 194.40 | 2002.05 | 109081.21 |
| 9 | 2026-03 | 2196.44 | 190.89 | 2005.55 | 107075.66 |
| 10 | 2026-04 | 2196.44 | 187.38 | 2009.06 | 105066.60 |
| 11 | 2026-05 | 2196.44 | 183.87 | 2012.58 | 103054.02 |
| 12 | 2026-06 | 2196.44 | 180.34 | 2016.10 | 101037.93 |
| 13 | 2026-07 | 2196.44 | 176.82 | 2019.63 | 99018.30 |
| 14 | 2026-08 | 2196.44 | 173.28 | 2023.16 | 96995.14 |
| 15 | 2026-09 | 2196.44 | 169.74 | 2026.70 | 94968.44 |
| 16 | 2026-10 | 2196.44 | 166.19 | 2030.25 | 92938.19 |
| 17 | 2026-11 | 2196.44 | 162.64 | 2033.80 | 90904.39 |
| 18 | 2026-12 | 2196.44 | 159.08 | 2037.36 | 88867.03 |
| 19 | 2027-01 | 2196.44 | 155.52 | 2040.93 | 86826.10 |
| 20 | 2027-02 | 2196.44 | 151.95 | 2044.50 | 84781.61 |
| 21 | 2027-03 | 2196.44 | 148.37 | 2048.07 | 82733.53 |
| 22 | 2027-04 | 2196.44 | 144.78 | 2051.66 | 80681.87 |
| 23 | 2027-05 | 2196.44 | 141.19 | 2055.25 | 78626.62 |
| 24 | 2027-06 | 2196.44 | 137.60 | 2058.85 | 76567.78 |
| 25 | 2027-07 | 2196.44 | 133.99 | 2062.45 | 74505.33 |
| 26 | 2027-08 | 2196.44 | 130.38 | 2066.06 | 72439.27 |
| 27 | 2027-09 | 2196.44 | 126.77 | 2069.67 | 70369.59 |
| 28 | 2027-10 | 2196.44 | 123.15 | 2073.30 | 68296.30 |
| 29 | 2027-11 | 2196.44 | 119.52 | 2076.92 | 66219.37 |
| 30 | 2027-12 | 2196.44 | 115.88 | 2080.56 | 64138.82 |
| 31 | 2028-01 | 2196.44 | 112.24 | 2084.20 | 62054.62 |
| 32 | 2028-02 | 2196.44 | 108.60 | 2087.85 | 59966.77 |
| 33 | 2028-03 | 2196.44 | 104.94 | 2091.50 | 57875.27 |
| 34 | 2028-04 | 2196.44 | 101.28 | 2095.16 | 55780.11 |
| 35 | 2028-05 | 2196.44 | 97.62 | 2098.83 | 53681.28 |
| 36 | 2028-06 | 2196.44 | 93.94 | 2102.50 | 51578.78 |
| 37 | 2028-07 | 2196.44 | 90.26 | 2106.18 | 49472.60 |
| 38 | 2028-08 | 2196.44 | 86.58 | 2109.87 | 47362.73 |
| 39 | 2028-09 | 2196.44 | 82.88 | 2113.56 | 45249.17 |
| 40 | 2028-10 | 2196.44 | 79.19 | 2117.26 | 43131.92 |
| 41 | 2028-11 | 2196.44 | 75.48 | 2120.96 | 41010.96 |
| 42 | 2028-12 | 2196.44 | 71.77 | 2124.67 | 38886.28 |
| 43 | 2029-01 | 2196.44 | 68.05 | 2128.39 | 36757.89 |
| 44 | 2029-02 | 2196.44 | 64.33 | 2132.12 | 34625.77 |
| 45 | 2029-03 | 2196.44 | 60.60 | 2135.85 | 32489.93 |
| 46 | 2029-04 | 2196.44 | 56.86 | 2139.59 | 30350.34 |
| 47 | 2029-05 | 2196.44 | 53.11 | 2143.33 | 28207.01 |
| 48 | 2029-06 | 2196.44 | 49.36 | 2147.08 | 26059.93 |
| 49 | 2029-07 | 2196.44 | 45.60 | 2150.84 | 23909.09 |
| 50 | 2029-08 | 2196.44 | 41.84 | 2154.60 | 21754.49 |
| 51 | 2029-09 | 2196.44 | 38.07 | 2158.37 | 19596.12 |
| 52 | 2029-10 | 2196.44 | 34.29 | 2162.15 | 17433.97 |
| 53 | 2029-11 | 2196.44 | 30.51 | 2165.93 | 15268.04 |
| 54 | 2029-12 | 2196.44 | 26.72 | 2169.72 | 13098.31 |
| 55 | 2030-01 | 2196.44 | 22.92 | 2173.52 | 10924.79 |
| 56 | 2030-02 | 2196.44 | 19.12 | 2177.32 | 8747.47 |
| 57 | 2030-03 | 2196.44 | 15.31 | 2181.13 | 6566.33 |
| 58 | 2030-04 | 2196.44 | 11.49 | 2184.95 | 4381.38 |
| 59 | 2030-05 | 2196.44 | 7.67 | 2188.78 | 2192.61 |
| 60 | 2030-06 | 2196.44 | 3.84 | 2192.61 | 0.00 |
等额本金还款方式：
贷款总额：12.5万
还款月数：5年
首月还款：2302.08元
每月递减：3.65元
利息总额：6671.88元
本息合计：13.17万
节省利息：114.69元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 2302.08 | 218.75 | 2083.33 | 122916.67 |
| 2 | 2025-08 | 2298.44 | 215.10 | 2083.33 | 120833.33 |
| 3 | 2025-09 | 2294.79 | 211.46 | 2083.33 | 118750.00 |
| 4 | 2025-10 | 2291.15 | 207.81 | 2083.33 | 116666.67 |
| 5 | 2025-11 | 2287.50 | 204.17 | 2083.33 | 114583.33 |
| 6 | 2025-12 | 2283.85 | 200.52 | 2083.33 | 112500.00 |
| 7 | 2026-01 | 2280.21 | 196.88 | 2083.33 | 110416.67 |
| 8 | 2026-02 | 2276.56 | 193.23 | 2083.33 | 108333.33 |
| 9 | 2026-03 | 2272.92 | 189.58 | 2083.33 | 106250.00 |
| 10 | 2026-04 | 2269.27 | 185.94 | 2083.33 | 104166.67 |
| 11 | 2026-05 | 2265.63 | 182.29 | 2083.33 | 102083.33 |
| 12 | 2026-06 | 2261.98 | 178.65 | 2083.33 | 100000.00 |
| 13 | 2026-07 | 2258.33 | 175.00 | 2083.33 | 97916.67 |
| 14 | 2026-08 | 2254.69 | 171.35 | 2083.33 | 95833.33 |
| 15 | 2026-09 | 2251.04 | 167.71 | 2083.33 | 93750.00 |
| 16 | 2026-10 | 2247.40 | 164.06 | 2083.33 | 91666.67 |
| 17 | 2026-11 | 2243.75 | 160.42 | 2083.33 | 89583.33 |
| 18 | 2026-12 | 2240.10 | 156.77 | 2083.33 | 87500.00 |
| 19 | 2027-01 | 2236.46 | 153.13 | 2083.33 | 85416.67 |
| 20 | 2027-02 | 2232.81 | 149.48 | 2083.33 | 83333.33 |
| 21 | 2027-03 | 2229.17 | 145.83 | 2083.33 | 81250.00 |
| 22 | 2027-04 | 2225.52 | 142.19 | 2083.33 | 79166.67 |
| 23 | 2027-05 | 2221.88 | 138.54 | 2083.33 | 77083.33 |
| 24 | 2027-06 | 2218.23 | 134.90 | 2083.33 | 75000.00 |
| 25 | 2027-07 | 2214.58 | 131.25 | 2083.33 | 72916.67 |
| 26 | 2027-08 | 2210.94 | 127.60 | 2083.33 | 70833.33 |
| 27 | 2027-09 | 2207.29 | 123.96 | 2083.33 | 68750.00 |
| 28 | 2027-10 | 2203.65 | 120.31 | 2083.33 | 66666.67 |
| 29 | 2027-11 | 2200.00 | 116.67 | 2083.33 | 64583.33 |
| 30 | 2027-12 | 2196.35 | 113.02 | 2083.33 | 62500.00 |
| 31 | 2028-01 | 2192.71 | 109.37 | 2083.33 | 60416.67 |
| 32 | 2028-02 | 2189.06 | 105.73 | 2083.33 | 58333.33 |
| 33 | 2028-03 | 2185.42 | 102.08 | 2083.33 | 56250.00 |
| 34 | 2028-04 | 2181.77 | 98.44 | 2083.33 | 54166.67 |
| 35 | 2028-05 | 2178.13 | 94.79 | 2083.33 | 52083.33 |
| 36 | 2028-06 | 2174.48 | 91.15 | 2083.33 | 50000.00 |
| 37 | 2028-07 | 2170.83 | 87.50 | 2083.33 | 47916.67 |
| 38 | 2028-08 | 2167.19 | 83.85 | 2083.33 | 45833.33 |
| 39 | 2028-09 | 2163.54 | 80.21 | 2083.33 | 43750.00 |
| 40 | 2028-10 | 2159.90 | 76.56 | 2083.33 | 41666.67 |
| 41 | 2028-11 | 2156.25 | 72.92 | 2083.33 | 39583.33 |
| 42 | 2028-12 | 2152.60 | 69.27 | 2083.33 | 37500.00 |
| 43 | 2029-01 | 2148.96 | 65.63 | 2083.33 | 35416.67 |
| 44 | 2029-02 | 2145.31 | 61.98 | 2083.33 | 33333.33 |
| 45 | 2029-03 | 2141.67 | 58.33 | 2083.33 | 31250.00 |
| 46 | 2029-04 | 2138.02 | 54.69 | 2083.33 | 29166.67 |
| 47 | 2029-05 | 2134.38 | 51.04 | 2083.33 | 27083.33 |
| 48 | 2029-06 | 2130.73 | 47.40 | 2083.33 | 25000.00 |
| 49 | 2029-07 | 2127.08 | 43.75 | 2083.33 | 22916.67 |
| 50 | 2029-08 | 2123.44 | 40.10 | 2083.33 | 20833.33 |
| 51 | 2029-09 | 2119.79 | 36.46 | 2083.33 | 18750.00 |
| 52 | 2029-10 | 2116.15 | 32.81 | 2083.33 | 16666.67 |
| 53 | 2029-11 | 2112.50 | 29.17 | 2083.33 | 14583.33 |
| 54 | 2029-12 | 2108.85 | 25.52 | 2083.33 | 12500.00 |
| 55 | 2030-01 | 2105.21 | 21.87 | 2083.33 | 10416.67 |
| 56 | 2030-02 | 2101.56 | 18.23 | 2083.33 | 8333.33 |
| 57 | 2030-03 | 2097.92 | 14.58 | 2083.33 | 6250.00 |
| 58 | 2030-04 | 2094.27 | 10.94 | 2083.33 | 4166.67 |
| 59 | 2030-05 | 2090.63 | 7.29 | 2083.33 | 2083.33 |
| 60 | 2030-06 | 2086.98 | 3.65 | 2083.33 | 0.00 |