贷款41万（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：41万
还款月数：5年
每月还款：7294.51元
利息总额：2.77万
本息合计：43.77万
| 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 | 7294.51 | 888.33 | 6406.18 | 403593.82 |
| 2 | 2025-08 | 7294.51 | 874.45 | 6420.06 | 397173.77 |
| 3 | 2025-09 | 7294.51 | 860.54 | 6433.97 | 390739.80 |
| 4 | 2025-10 | 7294.51 | 846.60 | 6447.91 | 384291.89 |
| 5 | 2025-11 | 7294.51 | 832.63 | 6461.88 | 377830.01 |
| 6 | 2025-12 | 7294.51 | 818.63 | 6475.88 | 371354.13 |
| 7 | 2026-01 | 7294.51 | 804.60 | 6489.91 | 364864.22 |
| 8 | 2026-02 | 7294.51 | 790.54 | 6503.97 | 358360.25 |
| 9 | 2026-03 | 7294.51 | 776.45 | 6518.06 | 351842.19 |
| 10 | 2026-04 | 7294.51 | 762.32 | 6532.19 | 345310.00 |
| 11 | 2026-05 | 7294.51 | 748.17 | 6546.34 | 338763.66 |
| 12 | 2026-06 | 7294.51 | 733.99 | 6560.52 | 332203.14 |
| 13 | 2026-07 | 7294.51 | 719.77 | 6574.74 | 325628.40 |
| 14 | 2026-08 | 7294.51 | 705.53 | 6588.98 | 319039.42 |
| 15 | 2026-09 | 7294.51 | 691.25 | 6603.26 | 312436.16 |
| 16 | 2026-10 | 7294.51 | 676.95 | 6617.57 | 305818.60 |
| 17 | 2026-11 | 7294.51 | 662.61 | 6631.90 | 299186.69 |
| 18 | 2026-12 | 7294.51 | 648.24 | 6646.27 | 292540.42 |
| 19 | 2027-01 | 7294.51 | 633.84 | 6660.67 | 285879.75 |
| 20 | 2027-02 | 7294.51 | 619.41 | 6675.10 | 279204.64 |
| 21 | 2027-03 | 7294.51 | 604.94 | 6689.57 | 272515.08 |
| 22 | 2027-04 | 7294.51 | 590.45 | 6704.06 | 265811.01 |
| 23 | 2027-05 | 7294.51 | 575.92 | 6718.59 | 259092.43 |
| 24 | 2027-06 | 7294.51 | 561.37 | 6733.14 | 252359.28 |
| 25 | 2027-07 | 7294.51 | 546.78 | 6747.73 | 245611.55 |
| 26 | 2027-08 | 7294.51 | 532.16 | 6762.35 | 238849.20 |
| 27 | 2027-09 | 7294.51 | 517.51 | 6777.00 | 232072.20 |
| 28 | 2027-10 | 7294.51 | 502.82 | 6791.69 | 225280.51 |
| 29 | 2027-11 | 7294.51 | 488.11 | 6806.40 | 218474.11 |
| 30 | 2027-12 | 7294.51 | 473.36 | 6821.15 | 211652.96 |
| 31 | 2028-01 | 7294.51 | 458.58 | 6835.93 | 204817.03 |
| 32 | 2028-02 | 7294.51 | 443.77 | 6850.74 | 197966.29 |
| 33 | 2028-03 | 7294.51 | 428.93 | 6865.58 | 191100.70 |
| 34 | 2028-04 | 7294.51 | 414.05 | 6880.46 | 184220.24 |
| 35 | 2028-05 | 7294.51 | 399.14 | 6895.37 | 177324.88 |
| 36 | 2028-06 | 7294.51 | 384.20 | 6910.31 | 170414.57 |
| 37 | 2028-07 | 7294.51 | 369.23 | 6925.28 | 163489.29 |
| 38 | 2028-08 | 7294.51 | 354.23 | 6940.28 | 156549.01 |
| 39 | 2028-09 | 7294.51 | 339.19 | 6955.32 | 149593.69 |
| 40 | 2028-10 | 7294.51 | 324.12 | 6970.39 | 142623.29 |
| 41 | 2028-11 | 7294.51 | 309.02 | 6985.49 | 135637.80 |
| 42 | 2028-12 | 7294.51 | 293.88 | 7000.63 | 128637.17 |
| 43 | 2029-01 | 7294.51 | 278.71 | 7015.80 | 121621.38 |
| 44 | 2029-02 | 7294.51 | 263.51 | 7031.00 | 114590.38 |
| 45 | 2029-03 | 7294.51 | 248.28 | 7046.23 | 107544.15 |
| 46 | 2029-04 | 7294.51 | 233.01 | 7061.50 | 100482.65 |
| 47 | 2029-05 | 7294.51 | 217.71 | 7076.80 | 93405.85 |
| 48 | 2029-06 | 7294.51 | 202.38 | 7092.13 | 86313.72 |
| 49 | 2029-07 | 7294.51 | 187.01 | 7107.50 | 79206.22 |
| 50 | 2029-08 | 7294.51 | 171.61 | 7122.90 | 72083.32 |
| 51 | 2029-09 | 7294.51 | 156.18 | 7138.33 | 64944.99 |
| 52 | 2029-10 | 7294.51 | 140.71 | 7153.80 | 57791.20 |
| 53 | 2029-11 | 7294.51 | 125.21 | 7169.30 | 50621.90 |
| 54 | 2029-12 | 7294.51 | 109.68 | 7184.83 | 43437.07 |
| 55 | 2030-01 | 7294.51 | 94.11 | 7200.40 | 36236.67 |
| 56 | 2030-02 | 7294.51 | 78.51 | 7216.00 | 29020.68 |
| 57 | 2030-03 | 7294.51 | 62.88 | 7231.63 | 21789.04 |
| 58 | 2030-04 | 7294.51 | 47.21 | 7247.30 | 14541.74 |
| 59 | 2030-05 | 7294.51 | 31.51 | 7263.00 | 7278.74 |
| 60 | 2030-06 | 7294.51 | 15.77 | 7278.74 | 0.00 |
等额本金还款方式：
贷款总额：41万
还款月数：5年
首月还款：7721.67元
每月递减：14.81元
利息总额：2.71万
本息合计：43.71万
节省利息：576.47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 | 7721.67 | 888.33 | 6833.33 | 403166.67 |
| 2 | 2025-08 | 7706.86 | 873.53 | 6833.33 | 396333.33 |
| 3 | 2025-09 | 7692.06 | 858.72 | 6833.33 | 389500.00 |
| 4 | 2025-10 | 7677.25 | 843.92 | 6833.33 | 382666.67 |
| 5 | 2025-11 | 7662.44 | 829.11 | 6833.33 | 375833.33 |
| 6 | 2025-12 | 7647.64 | 814.31 | 6833.33 | 369000.00 |
| 7 | 2026-01 | 7632.83 | 799.50 | 6833.33 | 362166.67 |
| 8 | 2026-02 | 7618.03 | 784.69 | 6833.33 | 355333.33 |
| 9 | 2026-03 | 7603.22 | 769.89 | 6833.33 | 348500.00 |
| 10 | 2026-04 | 7588.42 | 755.08 | 6833.33 | 341666.67 |
| 11 | 2026-05 | 7573.61 | 740.28 | 6833.33 | 334833.33 |
| 12 | 2026-06 | 7558.81 | 725.47 | 6833.33 | 328000.00 |
| 13 | 2026-07 | 7544.00 | 710.67 | 6833.33 | 321166.67 |
| 14 | 2026-08 | 7529.19 | 695.86 | 6833.33 | 314333.33 |
| 15 | 2026-09 | 7514.39 | 681.06 | 6833.33 | 307500.00 |
| 16 | 2026-10 | 7499.58 | 666.25 | 6833.33 | 300666.67 |
| 17 | 2026-11 | 7484.78 | 651.44 | 6833.33 | 293833.33 |
| 18 | 2026-12 | 7469.97 | 636.64 | 6833.33 | 287000.00 |
| 19 | 2027-01 | 7455.17 | 621.83 | 6833.33 | 280166.67 |
| 20 | 2027-02 | 7440.36 | 607.03 | 6833.33 | 273333.33 |
| 21 | 2027-03 | 7425.56 | 592.22 | 6833.33 | 266500.00 |
| 22 | 2027-04 | 7410.75 | 577.42 | 6833.33 | 259666.67 |
| 23 | 2027-05 | 7395.94 | 562.61 | 6833.33 | 252833.33 |
| 24 | 2027-06 | 7381.14 | 547.81 | 6833.33 | 246000.00 |
| 25 | 2027-07 | 7366.33 | 533.00 | 6833.33 | 239166.67 |
| 26 | 2027-08 | 7351.53 | 518.19 | 6833.33 | 232333.33 |
| 27 | 2027-09 | 7336.72 | 503.39 | 6833.33 | 225500.00 |
| 28 | 2027-10 | 7321.92 | 488.58 | 6833.33 | 218666.67 |
| 29 | 2027-11 | 7307.11 | 473.78 | 6833.33 | 211833.33 |
| 30 | 2027-12 | 7292.31 | 458.97 | 6833.33 | 205000.00 |
| 31 | 2028-01 | 7277.50 | 444.17 | 6833.33 | 198166.67 |
| 32 | 2028-02 | 7262.69 | 429.36 | 6833.33 | 191333.33 |
| 33 | 2028-03 | 7247.89 | 414.56 | 6833.33 | 184500.00 |
| 34 | 2028-04 | 7233.08 | 399.75 | 6833.33 | 177666.67 |
| 35 | 2028-05 | 7218.28 | 384.94 | 6833.33 | 170833.33 |
| 36 | 2028-06 | 7203.47 | 370.14 | 6833.33 | 164000.00 |
| 37 | 2028-07 | 7188.67 | 355.33 | 6833.33 | 157166.67 |
| 38 | 2028-08 | 7173.86 | 340.53 | 6833.33 | 150333.33 |
| 39 | 2028-09 | 7159.06 | 325.72 | 6833.33 | 143500.00 |
| 40 | 2028-10 | 7144.25 | 310.92 | 6833.33 | 136666.67 |
| 41 | 2028-11 | 7129.44 | 296.11 | 6833.33 | 129833.33 |
| 42 | 2028-12 | 7114.64 | 281.31 | 6833.33 | 123000.00 |
| 43 | 2029-01 | 7099.83 | 266.50 | 6833.33 | 116166.67 |
| 44 | 2029-02 | 7085.03 | 251.69 | 6833.33 | 109333.33 |
| 45 | 2029-03 | 7070.22 | 236.89 | 6833.33 | 102500.00 |
| 46 | 2029-04 | 7055.42 | 222.08 | 6833.33 | 95666.67 |
| 47 | 2029-05 | 7040.61 | 207.28 | 6833.33 | 88833.33 |
| 48 | 2029-06 | 7025.81 | 192.47 | 6833.33 | 82000.00 |
| 49 | 2029-07 | 7011.00 | 177.67 | 6833.33 | 75166.67 |
| 50 | 2029-08 | 6996.19 | 162.86 | 6833.33 | 68333.33 |
| 51 | 2029-09 | 6981.39 | 148.06 | 6833.33 | 61500.00 |
| 52 | 2029-10 | 6966.58 | 133.25 | 6833.33 | 54666.67 |
| 53 | 2029-11 | 6951.78 | 118.44 | 6833.33 | 47833.33 |
| 54 | 2029-12 | 6936.97 | 103.64 | 6833.33 | 41000.00 |
| 55 | 2030-01 | 6922.17 | 88.83 | 6833.33 | 34166.67 |
| 56 | 2030-02 | 6907.36 | 74.03 | 6833.33 | 27333.33 |
| 57 | 2030-03 | 6892.56 | 59.22 | 6833.33 | 20500.00 |
| 58 | 2030-04 | 6877.75 | 44.42 | 6833.33 | 13666.67 |
| 59 | 2030-05 | 6862.94 | 29.61 | 6833.33 | 6833.33 |
| 60 | 2030-06 | 6848.14 | 14.81 | 6833.33 | 0.00 |