贷款6万（公积金贷款）房贷，还款5年5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：6万
还款月数：5年5个月
每月还款：997.25元
利息总额：4821.44元
本息合计：6.48万
| 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 | 997.25 | 142.50 | 854.75 | 59145.25 |
| 2 | 2025-08 | 997.25 | 140.47 | 856.78 | 58288.46 |
| 3 | 2025-09 | 997.25 | 138.44 | 858.82 | 57429.65 |
| 4 | 2025-10 | 997.25 | 136.40 | 860.86 | 56568.79 |
| 5 | 2025-11 | 997.25 | 134.35 | 862.90 | 55705.89 |
| 6 | 2025-12 | 997.25 | 132.30 | 864.95 | 54840.94 |
| 7 | 2026-01 | 997.25 | 130.25 | 867.01 | 53973.93 |
| 8 | 2026-02 | 997.25 | 128.19 | 869.06 | 53104.86 |
| 9 | 2026-03 | 997.25 | 126.12 | 871.13 | 52233.74 |
| 10 | 2026-04 | 997.25 | 124.06 | 873.20 | 51360.54 |
| 11 | 2026-05 | 997.25 | 121.98 | 875.27 | 50485.27 |
| 12 | 2026-06 | 997.25 | 119.90 | 877.35 | 49607.92 |
| 13 | 2026-07 | 997.25 | 117.82 | 879.43 | 48728.48 |
| 14 | 2026-08 | 997.25 | 115.73 | 881.52 | 47846.96 |
| 15 | 2026-09 | 997.25 | 113.64 | 883.62 | 46963.34 |
| 16 | 2026-10 | 997.25 | 111.54 | 885.72 | 46077.63 |
| 17 | 2026-11 | 997.25 | 109.43 | 887.82 | 45189.81 |
| 18 | 2026-12 | 997.25 | 107.33 | 889.93 | 44299.88 |
| 19 | 2027-01 | 997.25 | 105.21 | 892.04 | 43407.84 |
| 20 | 2027-02 | 997.25 | 103.09 | 894.16 | 42513.68 |
| 21 | 2027-03 | 997.25 | 100.97 | 896.28 | 41617.40 |
| 22 | 2027-04 | 997.25 | 98.84 | 898.41 | 40718.99 |
| 23 | 2027-05 | 997.25 | 96.71 | 900.55 | 39818.44 |
| 24 | 2027-06 | 997.25 | 94.57 | 902.68 | 38915.76 |
| 25 | 2027-07 | 997.25 | 92.42 | 904.83 | 38010.93 |
| 26 | 2027-08 | 997.25 | 90.28 | 906.98 | 37103.95 |
| 27 | 2027-09 | 997.25 | 88.12 | 909.13 | 36194.82 |
| 28 | 2027-10 | 997.25 | 85.96 | 911.29 | 35283.53 |
| 29 | 2027-11 | 997.25 | 83.80 | 913.45 | 34370.08 |
| 30 | 2027-12 | 997.25 | 81.63 | 915.62 | 33454.45 |
| 31 | 2028-01 | 997.25 | 79.45 | 917.80 | 32536.65 |
| 32 | 2028-02 | 997.25 | 77.27 | 919.98 | 31616.68 |
| 33 | 2028-03 | 997.25 | 75.09 | 922.16 | 30694.51 |
| 34 | 2028-04 | 997.25 | 72.90 | 924.35 | 29770.16 |
| 35 | 2028-05 | 997.25 | 70.70 | 926.55 | 28843.61 |
| 36 | 2028-06 | 997.25 | 68.50 | 928.75 | 27914.86 |
| 37 | 2028-07 | 997.25 | 66.30 | 930.96 | 26983.91 |
| 38 | 2028-08 | 997.25 | 64.09 | 933.17 | 26050.74 |
| 39 | 2028-09 | 997.25 | 61.87 | 935.38 | 25115.36 |
| 40 | 2028-10 | 997.25 | 59.65 | 937.60 | 24177.75 |
| 41 | 2028-11 | 997.25 | 57.42 | 939.83 | 23237.92 |
| 42 | 2028-12 | 997.25 | 55.19 | 942.06 | 22295.86 |
| 43 | 2029-01 | 997.25 | 52.95 | 944.30 | 21351.56 |
| 44 | 2029-02 | 997.25 | 50.71 | 946.54 | 20405.02 |
| 45 | 2029-03 | 997.25 | 48.46 | 948.79 | 19456.22 |
| 46 | 2029-04 | 997.25 | 46.21 | 951.04 | 18505.18 |
| 47 | 2029-05 | 997.25 | 43.95 | 953.30 | 17551.88 |
| 48 | 2029-06 | 997.25 | 41.69 | 955.57 | 16596.31 |
| 49 | 2029-07 | 997.25 | 39.42 | 957.84 | 15638.47 |
| 50 | 2029-08 | 997.25 | 37.14 | 960.11 | 14678.36 |
| 51 | 2029-09 | 997.25 | 34.86 | 962.39 | 13715.97 |
| 52 | 2029-10 | 997.25 | 32.58 | 964.68 | 12751.29 |
| 53 | 2029-11 | 997.25 | 30.28 | 966.97 | 11784.32 |
| 54 | 2029-12 | 997.25 | 27.99 | 969.27 | 10815.06 |
| 55 | 2030-01 | 997.25 | 25.69 | 971.57 | 9843.49 |
| 56 | 2030-02 | 997.25 | 23.38 | 973.87 | 8869.62 |
| 57 | 2030-03 | 997.25 | 21.07 | 976.19 | 7893.43 |
| 58 | 2030-04 | 997.25 | 18.75 | 978.51 | 6914.92 |
| 59 | 2030-05 | 997.25 | 16.42 | 980.83 | 5934.09 |
| 60 | 2030-06 | 997.25 | 14.09 | 983.16 | 4950.93 |
| 61 | 2030-07 | 997.25 | 11.76 | 985.49 | 3965.44 |
| 62 | 2030-08 | 997.25 | 9.42 | 987.84 | 2977.60 |
| 63 | 2030-09 | 997.25 | 7.07 | 990.18 | 1987.42 |
| 64 | 2030-10 | 997.25 | 4.72 | 992.53 | 994.89 |
| 65 | 2030-11 | 997.25 | 2.36 | 994.89 | 0.00 |
等额本金还款方式：
贷款总额：6万
还款月数：5年5个月
首月还款：1065.58元
每月递减：2.19元
利息总额：4702.5元
本息合计：6.47万
节省利息：118.94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 | 1065.58 | 142.50 | 923.08 | 59076.92 |
| 2 | 2025-08 | 1063.38 | 140.31 | 923.08 | 58153.85 |
| 3 | 2025-09 | 1061.19 | 138.12 | 923.08 | 57230.77 |
| 4 | 2025-10 | 1059.00 | 135.92 | 923.08 | 56307.69 |
| 5 | 2025-11 | 1056.81 | 133.73 | 923.08 | 55384.62 |
| 6 | 2025-12 | 1054.62 | 131.54 | 923.08 | 54461.54 |
| 7 | 2026-01 | 1052.42 | 129.35 | 923.08 | 53538.46 |
| 8 | 2026-02 | 1050.23 | 127.15 | 923.08 | 52615.38 |
| 9 | 2026-03 | 1048.04 | 124.96 | 923.08 | 51692.31 |
| 10 | 2026-04 | 1045.85 | 122.77 | 923.08 | 50769.23 |
| 11 | 2026-05 | 1043.65 | 120.58 | 923.08 | 49846.15 |
| 12 | 2026-06 | 1041.46 | 118.38 | 923.08 | 48923.08 |
| 13 | 2026-07 | 1039.27 | 116.19 | 923.08 | 48000.00 |
| 14 | 2026-08 | 1037.08 | 114.00 | 923.08 | 47076.92 |
| 15 | 2026-09 | 1034.88 | 111.81 | 923.08 | 46153.85 |
| 16 | 2026-10 | 1032.69 | 109.62 | 923.08 | 45230.77 |
| 17 | 2026-11 | 1030.50 | 107.42 | 923.08 | 44307.69 |
| 18 | 2026-12 | 1028.31 | 105.23 | 923.08 | 43384.62 |
| 19 | 2027-01 | 1026.12 | 103.04 | 923.08 | 42461.54 |
| 20 | 2027-02 | 1023.92 | 100.85 | 923.08 | 41538.46 |
| 21 | 2027-03 | 1021.73 | 98.65 | 923.08 | 40615.38 |
| 22 | 2027-04 | 1019.54 | 96.46 | 923.08 | 39692.31 |
| 23 | 2027-05 | 1017.35 | 94.27 | 923.08 | 38769.23 |
| 24 | 2027-06 | 1015.15 | 92.08 | 923.08 | 37846.15 |
| 25 | 2027-07 | 1012.96 | 89.88 | 923.08 | 36923.08 |
| 26 | 2027-08 | 1010.77 | 87.69 | 923.08 | 36000.00 |
| 27 | 2027-09 | 1008.58 | 85.50 | 923.08 | 35076.92 |
| 28 | 2027-10 | 1006.38 | 83.31 | 923.08 | 34153.85 |
| 29 | 2027-11 | 1004.19 | 81.12 | 923.08 | 33230.77 |
| 30 | 2027-12 | 1002.00 | 78.92 | 923.08 | 32307.69 |
| 31 | 2028-01 | 999.81 | 76.73 | 923.08 | 31384.62 |
| 32 | 2028-02 | 997.62 | 74.54 | 923.08 | 30461.54 |
| 33 | 2028-03 | 995.42 | 72.35 | 923.08 | 29538.46 |
| 34 | 2028-04 | 993.23 | 70.15 | 923.08 | 28615.38 |
| 35 | 2028-05 | 991.04 | 67.96 | 923.08 | 27692.31 |
| 36 | 2028-06 | 988.85 | 65.77 | 923.08 | 26769.23 |
| 37 | 2028-07 | 986.65 | 63.58 | 923.08 | 25846.15 |
| 38 | 2028-08 | 984.46 | 61.38 | 923.08 | 24923.08 |
| 39 | 2028-09 | 982.27 | 59.19 | 923.08 | 24000.00 |
| 40 | 2028-10 | 980.08 | 57.00 | 923.08 | 23076.92 |
| 41 | 2028-11 | 977.88 | 54.81 | 923.08 | 22153.85 |
| 42 | 2028-12 | 975.69 | 52.62 | 923.08 | 21230.77 |
| 43 | 2029-01 | 973.50 | 50.42 | 923.08 | 20307.69 |
| 44 | 2029-02 | 971.31 | 48.23 | 923.08 | 19384.62 |
| 45 | 2029-03 | 969.12 | 46.04 | 923.08 | 18461.54 |
| 46 | 2029-04 | 966.92 | 43.85 | 923.08 | 17538.46 |
| 47 | 2029-05 | 964.73 | 41.65 | 923.08 | 16615.38 |
| 48 | 2029-06 | 962.54 | 39.46 | 923.08 | 15692.31 |
| 49 | 2029-07 | 960.35 | 37.27 | 923.08 | 14769.23 |
| 50 | 2029-08 | 958.15 | 35.08 | 923.08 | 13846.15 |
| 51 | 2029-09 | 955.96 | 32.88 | 923.08 | 12923.08 |
| 52 | 2029-10 | 953.77 | 30.69 | 923.08 | 12000.00 |
| 53 | 2029-11 | 951.58 | 28.50 | 923.08 | 11076.92 |
| 54 | 2029-12 | 949.38 | 26.31 | 923.08 | 10153.85 |
| 55 | 2030-01 | 947.19 | 24.12 | 923.08 | 9230.77 |
| 56 | 2030-02 | 945.00 | 21.92 | 923.08 | 8307.69 |
| 57 | 2030-03 | 942.81 | 19.73 | 923.08 | 7384.62 |
| 58 | 2030-04 | 940.62 | 17.54 | 923.08 | 6461.54 |
| 59 | 2030-05 | 938.42 | 15.35 | 923.08 | 5538.46 |
| 60 | 2030-06 | 936.23 | 13.15 | 923.08 | 4615.38 |
| 61 | 2030-07 | 934.04 | 10.96 | 923.08 | 3692.31 |
| 62 | 2030-08 | 931.85 | 8.77 | 923.08 | 2769.23 |
| 63 | 2030-09 | 929.65 | 6.58 | 923.08 | 1846.15 |
| 64 | 2030-10 | 927.46 | 4.38 | 923.08 | 923.08 |
| 65 | 2030-11 | 925.27 | 2.19 | 923.08 | 0.00 |