赤峰贷款44万（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：44万
还款月数：5年
每月还款：7955.2元
利息总额：3.73万
本息合计：47.73万
| 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 | 7955.20 | 1191.67 | 6763.53 | 433236.47 |
| 2 | 2025-08 | 7955.20 | 1173.35 | 6781.85 | 426454.61 |
| 3 | 2025-09 | 7955.20 | 1154.98 | 6800.22 | 419654.39 |
| 4 | 2025-10 | 7955.20 | 1136.56 | 6818.64 | 412835.76 |
| 5 | 2025-11 | 7955.20 | 1118.10 | 6837.10 | 405998.65 |
| 6 | 2025-12 | 7955.20 | 1099.58 | 6855.62 | 399143.03 |
| 7 | 2026-01 | 7955.20 | 1081.01 | 6874.19 | 392268.84 |
| 8 | 2026-02 | 7955.20 | 1062.39 | 6892.81 | 385376.04 |
| 9 | 2026-03 | 7955.20 | 1043.73 | 6911.47 | 378464.56 |
| 10 | 2026-04 | 7955.20 | 1025.01 | 6930.19 | 371534.37 |
| 11 | 2026-05 | 7955.20 | 1006.24 | 6948.96 | 364585.41 |
| 12 | 2026-06 | 7955.20 | 987.42 | 6967.78 | 357617.62 |
| 13 | 2026-07 | 7955.20 | 968.55 | 6986.65 | 350630.97 |
| 14 | 2026-08 | 7955.20 | 949.63 | 7005.58 | 343625.40 |
| 15 | 2026-09 | 7955.20 | 930.65 | 7024.55 | 336600.85 |
| 16 | 2026-10 | 7955.20 | 911.63 | 7043.57 | 329557.27 |
| 17 | 2026-11 | 7955.20 | 892.55 | 7062.65 | 322494.62 |
| 18 | 2026-12 | 7955.20 | 873.42 | 7081.78 | 315412.85 |
| 19 | 2027-01 | 7955.20 | 854.24 | 7100.96 | 308311.89 |
| 20 | 2027-02 | 7955.20 | 835.01 | 7120.19 | 301191.70 |
| 21 | 2027-03 | 7955.20 | 815.73 | 7139.47 | 294052.22 |
| 22 | 2027-04 | 7955.20 | 796.39 | 7158.81 | 286893.41 |
| 23 | 2027-05 | 7955.20 | 777.00 | 7178.20 | 279715.22 |
| 24 | 2027-06 | 7955.20 | 757.56 | 7197.64 | 272517.58 |
| 25 | 2027-07 | 7955.20 | 738.07 | 7217.13 | 265300.45 |
| 26 | 2027-08 | 7955.20 | 718.52 | 7236.68 | 258063.77 |
| 27 | 2027-09 | 7955.20 | 698.92 | 7256.28 | 250807.49 |
| 28 | 2027-10 | 7955.20 | 679.27 | 7275.93 | 243531.56 |
| 29 | 2027-11 | 7955.20 | 659.56 | 7295.64 | 236235.92 |
| 30 | 2027-12 | 7955.20 | 639.81 | 7315.40 | 228920.53 |
| 31 | 2028-01 | 7955.20 | 619.99 | 7335.21 | 221585.32 |
| 32 | 2028-02 | 7955.20 | 600.13 | 7355.07 | 214230.24 |
| 33 | 2028-03 | 7955.20 | 580.21 | 7374.99 | 206855.25 |
| 34 | 2028-04 | 7955.20 | 560.23 | 7394.97 | 199460.28 |
| 35 | 2028-05 | 7955.20 | 540.20 | 7415.00 | 192045.28 |
| 36 | 2028-06 | 7955.20 | 520.12 | 7435.08 | 184610.21 |
| 37 | 2028-07 | 7955.20 | 499.99 | 7455.22 | 177154.99 |
| 38 | 2028-08 | 7955.20 | 479.79 | 7475.41 | 169679.59 |
| 39 | 2028-09 | 7955.20 | 459.55 | 7495.65 | 162183.93 |
| 40 | 2028-10 | 7955.20 | 439.25 | 7515.95 | 154667.98 |
| 41 | 2028-11 | 7955.20 | 418.89 | 7536.31 | 147131.67 |
| 42 | 2028-12 | 7955.20 | 398.48 | 7556.72 | 139574.95 |
| 43 | 2029-01 | 7955.20 | 378.02 | 7577.19 | 131997.77 |
| 44 | 2029-02 | 7955.20 | 357.49 | 7597.71 | 124400.06 |
| 45 | 2029-03 | 7955.20 | 336.92 | 7618.28 | 116781.78 |
| 46 | 2029-04 | 7955.20 | 316.28 | 7638.92 | 109142.86 |
| 47 | 2029-05 | 7955.20 | 295.60 | 7659.61 | 101483.25 |
| 48 | 2029-06 | 7955.20 | 274.85 | 7680.35 | 93802.90 |
| 49 | 2029-07 | 7955.20 | 254.05 | 7701.15 | 86101.75 |
| 50 | 2029-08 | 7955.20 | 233.19 | 7722.01 | 78379.74 |
| 51 | 2029-09 | 7955.20 | 212.28 | 7742.92 | 70636.82 |
| 52 | 2029-10 | 7955.20 | 191.31 | 7763.89 | 62872.93 |
| 53 | 2029-11 | 7955.20 | 170.28 | 7784.92 | 55088.01 |
| 54 | 2029-12 | 7955.20 | 149.20 | 7806.00 | 47282.00 |
| 55 | 2030-01 | 7955.20 | 128.06 | 7827.15 | 39454.86 |
| 56 | 2030-02 | 7955.20 | 106.86 | 7848.34 | 31606.51 |
| 57 | 2030-03 | 7955.20 | 85.60 | 7869.60 | 23736.91 |
| 58 | 2030-04 | 7955.20 | 64.29 | 7890.91 | 15846.00 |
| 59 | 2030-05 | 7955.20 | 42.92 | 7912.28 | 7933.71 |
| 60 | 2030-06 | 7955.20 | 21.49 | 7933.71 | 0.00 |
等额本金还款方式：
贷款总额：44万
还款月数：5年
首月还款：8525元
每月递减：19.86元
利息总额：3.63万
本息合计：47.63万
节省利息：966.23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 | 8525.00 | 1191.67 | 7333.33 | 432666.67 |
| 2 | 2025-08 | 8505.14 | 1171.81 | 7333.33 | 425333.33 |
| 3 | 2025-09 | 8485.28 | 1151.94 | 7333.33 | 418000.00 |
| 4 | 2025-10 | 8465.42 | 1132.08 | 7333.33 | 410666.67 |
| 5 | 2025-11 | 8445.56 | 1112.22 | 7333.33 | 403333.33 |
| 6 | 2025-12 | 8425.69 | 1092.36 | 7333.33 | 396000.00 |
| 7 | 2026-01 | 8405.83 | 1072.50 | 7333.33 | 388666.67 |
| 8 | 2026-02 | 8385.97 | 1052.64 | 7333.33 | 381333.33 |
| 9 | 2026-03 | 8366.11 | 1032.78 | 7333.33 | 374000.00 |
| 10 | 2026-04 | 8346.25 | 1012.92 | 7333.33 | 366666.67 |
| 11 | 2026-05 | 8326.39 | 993.06 | 7333.33 | 359333.33 |
| 12 | 2026-06 | 8306.53 | 973.19 | 7333.33 | 352000.00 |
| 13 | 2026-07 | 8286.67 | 953.33 | 7333.33 | 344666.67 |
| 14 | 2026-08 | 8266.81 | 933.47 | 7333.33 | 337333.33 |
| 15 | 2026-09 | 8246.94 | 913.61 | 7333.33 | 330000.00 |
| 16 | 2026-10 | 8227.08 | 893.75 | 7333.33 | 322666.67 |
| 17 | 2026-11 | 8207.22 | 873.89 | 7333.33 | 315333.33 |
| 18 | 2026-12 | 8187.36 | 854.03 | 7333.33 | 308000.00 |
| 19 | 2027-01 | 8167.50 | 834.17 | 7333.33 | 300666.67 |
| 20 | 2027-02 | 8147.64 | 814.31 | 7333.33 | 293333.33 |
| 21 | 2027-03 | 8127.78 | 794.44 | 7333.33 | 286000.00 |
| 22 | 2027-04 | 8107.92 | 774.58 | 7333.33 | 278666.67 |
| 23 | 2027-05 | 8088.06 | 754.72 | 7333.33 | 271333.33 |
| 24 | 2027-06 | 8068.19 | 734.86 | 7333.33 | 264000.00 |
| 25 | 2027-07 | 8048.33 | 715.00 | 7333.33 | 256666.67 |
| 26 | 2027-08 | 8028.47 | 695.14 | 7333.33 | 249333.33 |
| 27 | 2027-09 | 8008.61 | 675.28 | 7333.33 | 242000.00 |
| 28 | 2027-10 | 7988.75 | 655.42 | 7333.33 | 234666.67 |
| 29 | 2027-11 | 7968.89 | 635.56 | 7333.33 | 227333.33 |
| 30 | 2027-12 | 7949.03 | 615.69 | 7333.33 | 220000.00 |
| 31 | 2028-01 | 7929.17 | 595.83 | 7333.33 | 212666.67 |
| 32 | 2028-02 | 7909.31 | 575.97 | 7333.33 | 205333.33 |
| 33 | 2028-03 | 7889.44 | 556.11 | 7333.33 | 198000.00 |
| 34 | 2028-04 | 7869.58 | 536.25 | 7333.33 | 190666.67 |
| 35 | 2028-05 | 7849.72 | 516.39 | 7333.33 | 183333.33 |
| 36 | 2028-06 | 7829.86 | 496.53 | 7333.33 | 176000.00 |
| 37 | 2028-07 | 7810.00 | 476.67 | 7333.33 | 168666.67 |
| 38 | 2028-08 | 7790.14 | 456.81 | 7333.33 | 161333.33 |
| 39 | 2028-09 | 7770.28 | 436.94 | 7333.33 | 154000.00 |
| 40 | 2028-10 | 7750.42 | 417.08 | 7333.33 | 146666.67 |
| 41 | 2028-11 | 7730.56 | 397.22 | 7333.33 | 139333.33 |
| 42 | 2028-12 | 7710.69 | 377.36 | 7333.33 | 132000.00 |
| 43 | 2029-01 | 7690.83 | 357.50 | 7333.33 | 124666.67 |
| 44 | 2029-02 | 7670.97 | 337.64 | 7333.33 | 117333.33 |
| 45 | 2029-03 | 7651.11 | 317.78 | 7333.33 | 110000.00 |
| 46 | 2029-04 | 7631.25 | 297.92 | 7333.33 | 102666.67 |
| 47 | 2029-05 | 7611.39 | 278.06 | 7333.33 | 95333.33 |
| 48 | 2029-06 | 7591.53 | 258.19 | 7333.33 | 88000.00 |
| 49 | 2029-07 | 7571.67 | 238.33 | 7333.33 | 80666.67 |
| 50 | 2029-08 | 7551.81 | 218.47 | 7333.33 | 73333.33 |
| 51 | 2029-09 | 7531.94 | 198.61 | 7333.33 | 66000.00 |
| 52 | 2029-10 | 7512.08 | 178.75 | 7333.33 | 58666.67 |
| 53 | 2029-11 | 7492.22 | 158.89 | 7333.33 | 51333.33 |
| 54 | 2029-12 | 7472.36 | 139.03 | 7333.33 | 44000.00 |
| 55 | 2030-01 | 7452.50 | 119.17 | 7333.33 | 36666.67 |
| 56 | 2030-02 | 7432.64 | 99.31 | 7333.33 | 29333.33 |
| 57 | 2030-03 | 7412.78 | 79.44 | 7333.33 | 22000.00 |
| 58 | 2030-04 | 7392.92 | 59.58 | 7333.33 | 14666.67 |
| 59 | 2030-05 | 7373.06 | 39.72 | 7333.33 | 7333.33 |
| 60 | 2030-06 | 7353.19 | 19.86 | 7333.33 | 0.00 |