贷款9.9万（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：9.9万
还款月数：5年
每月还款：1739.58元
利息总额：5374.96元
本息合计：10.44万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 1739.58 | 173.25 | 1566.33 | 97433.67 |
| 2 | 2025-08 | 1739.58 | 170.51 | 1569.07 | 95864.59 |
| 3 | 2025-09 | 1739.58 | 167.76 | 1571.82 | 94292.77 |
| 4 | 2025-10 | 1739.58 | 165.01 | 1574.57 | 92718.20 |
| 5 | 2025-11 | 1739.58 | 162.26 | 1577.33 | 91140.88 |
| 6 | 2025-12 | 1739.58 | 159.50 | 1580.09 | 89560.79 |
| 7 | 2026-01 | 1739.58 | 156.73 | 1582.85 | 87977.94 |
| 8 | 2026-02 | 1739.58 | 153.96 | 1585.62 | 86392.32 |
| 9 | 2026-03 | 1739.58 | 151.19 | 1588.40 | 84803.92 |
| 10 | 2026-04 | 1739.58 | 148.41 | 1591.18 | 83212.75 |
| 11 | 2026-05 | 1739.58 | 145.62 | 1593.96 | 81618.79 |
| 12 | 2026-06 | 1739.58 | 142.83 | 1596.75 | 80022.04 |
| 13 | 2026-07 | 1739.58 | 140.04 | 1599.54 | 78422.49 |
| 14 | 2026-08 | 1739.58 | 137.24 | 1602.34 | 76820.15 |
| 15 | 2026-09 | 1739.58 | 134.44 | 1605.15 | 75215.00 |
| 16 | 2026-10 | 1739.58 | 131.63 | 1607.96 | 73607.05 |
| 17 | 2026-11 | 1739.58 | 128.81 | 1610.77 | 71996.28 |
| 18 | 2026-12 | 1739.58 | 125.99 | 1613.59 | 70382.69 |
| 19 | 2027-01 | 1739.58 | 123.17 | 1616.41 | 68766.27 |
| 20 | 2027-02 | 1739.58 | 120.34 | 1619.24 | 67147.03 |
| 21 | 2027-03 | 1739.58 | 117.51 | 1622.08 | 65524.96 |
| 22 | 2027-04 | 1739.58 | 114.67 | 1624.91 | 63900.04 |
| 23 | 2027-05 | 1739.58 | 111.83 | 1627.76 | 62272.28 |
| 24 | 2027-06 | 1739.58 | 108.98 | 1630.61 | 60641.68 |
| 25 | 2027-07 | 1739.58 | 106.12 | 1633.46 | 59008.22 |
| 26 | 2027-08 | 1739.58 | 103.26 | 1636.32 | 57371.90 |
| 27 | 2027-09 | 1739.58 | 100.40 | 1639.18 | 55732.72 |
| 28 | 2027-10 | 1739.58 | 97.53 | 1642.05 | 54090.67 |
| 29 | 2027-11 | 1739.58 | 94.66 | 1644.92 | 52445.74 |
| 30 | 2027-12 | 1739.58 | 91.78 | 1647.80 | 50797.94 |
| 31 | 2028-01 | 1739.58 | 88.90 | 1650.69 | 49147.26 |
| 32 | 2028-02 | 1739.58 | 86.01 | 1653.57 | 47493.68 |
| 33 | 2028-03 | 1739.58 | 83.11 | 1656.47 | 45837.21 |
| 34 | 2028-04 | 1739.58 | 80.22 | 1659.37 | 44177.84 |
| 35 | 2028-05 | 1739.58 | 77.31 | 1662.27 | 42515.57 |
| 36 | 2028-06 | 1739.58 | 74.40 | 1665.18 | 40850.39 |
| 37 | 2028-07 | 1739.58 | 71.49 | 1668.09 | 39182.30 |
| 38 | 2028-08 | 1739.58 | 68.57 | 1671.01 | 37511.28 |
| 39 | 2028-09 | 1739.58 | 65.64 | 1673.94 | 35837.35 |
| 40 | 2028-10 | 1739.58 | 62.72 | 1676.87 | 34160.48 |
| 41 | 2028-11 | 1739.58 | 59.78 | 1679.80 | 32480.68 |
| 42 | 2028-12 | 1739.58 | 56.84 | 1682.74 | 30797.94 |
| 43 | 2029-01 | 1739.58 | 53.90 | 1685.69 | 29112.25 |
| 44 | 2029-02 | 1739.58 | 50.95 | 1688.64 | 27423.61 |
| 45 | 2029-03 | 1739.58 | 47.99 | 1691.59 | 25732.02 |
| 46 | 2029-04 | 1739.58 | 45.03 | 1694.55 | 24037.47 |
| 47 | 2029-05 | 1739.58 | 42.07 | 1697.52 | 22339.95 |
| 48 | 2029-06 | 1739.58 | 39.09 | 1700.49 | 20639.47 |
| 49 | 2029-07 | 1739.58 | 36.12 | 1703.46 | 18936.00 |
| 50 | 2029-08 | 1739.58 | 33.14 | 1706.44 | 17229.56 |
| 51 | 2029-09 | 1739.58 | 30.15 | 1709.43 | 15520.13 |
| 52 | 2029-10 | 1739.58 | 27.16 | 1712.42 | 13807.70 |
| 53 | 2029-11 | 1739.58 | 24.16 | 1715.42 | 12092.28 |
| 54 | 2029-12 | 1739.58 | 21.16 | 1718.42 | 10373.86 |
| 55 | 2030-01 | 1739.58 | 18.15 | 1721.43 | 8652.44 |
| 56 | 2030-02 | 1739.58 | 15.14 | 1724.44 | 6927.99 |
| 57 | 2030-03 | 1739.58 | 12.12 | 1727.46 | 5200.54 |
| 58 | 2030-04 | 1739.58 | 9.10 | 1730.48 | 3470.05 |
| 59 | 2030-05 | 1739.58 | 6.07 | 1733.51 | 1736.54 |
| 60 | 2030-06 | 1739.58 | 3.04 | 1736.54 | 0.00 |
等额本金还款方式：
贷款总额：9.9万
还款月数：5年
首月还款：1823.25元
每月递减：2.89元
利息总额：5284.12元
本息合计：10.43万
节省利息：90.83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 | 1823.25 | 173.25 | 1650.00 | 97350.00 |
| 2 | 2025-08 | 1820.36 | 170.36 | 1650.00 | 95700.00 |
| 3 | 2025-09 | 1817.47 | 167.47 | 1650.00 | 94050.00 |
| 4 | 2025-10 | 1814.59 | 164.59 | 1650.00 | 92400.00 |
| 5 | 2025-11 | 1811.70 | 161.70 | 1650.00 | 90750.00 |
| 6 | 2025-12 | 1808.81 | 158.81 | 1650.00 | 89100.00 |
| 7 | 2026-01 | 1805.92 | 155.93 | 1650.00 | 87450.00 |
| 8 | 2026-02 | 1803.04 | 153.04 | 1650.00 | 85800.00 |
| 9 | 2026-03 | 1800.15 | 150.15 | 1650.00 | 84150.00 |
| 10 | 2026-04 | 1797.26 | 147.26 | 1650.00 | 82500.00 |
| 11 | 2026-05 | 1794.38 | 144.38 | 1650.00 | 80850.00 |
| 12 | 2026-06 | 1791.49 | 141.49 | 1650.00 | 79200.00 |
| 13 | 2026-07 | 1788.60 | 138.60 | 1650.00 | 77550.00 |
| 14 | 2026-08 | 1785.71 | 135.71 | 1650.00 | 75900.00 |
| 15 | 2026-09 | 1782.83 | 132.82 | 1650.00 | 74250.00 |
| 16 | 2026-10 | 1779.94 | 129.94 | 1650.00 | 72600.00 |
| 17 | 2026-11 | 1777.05 | 127.05 | 1650.00 | 70950.00 |
| 18 | 2026-12 | 1774.16 | 124.16 | 1650.00 | 69300.00 |
| 19 | 2027-01 | 1771.28 | 121.28 | 1650.00 | 67650.00 |
| 20 | 2027-02 | 1768.39 | 118.39 | 1650.00 | 66000.00 |
| 21 | 2027-03 | 1765.50 | 115.50 | 1650.00 | 64350.00 |
| 22 | 2027-04 | 1762.61 | 112.61 | 1650.00 | 62700.00 |
| 23 | 2027-05 | 1759.72 | 109.73 | 1650.00 | 61050.00 |
| 24 | 2027-06 | 1756.84 | 106.84 | 1650.00 | 59400.00 |
| 25 | 2027-07 | 1753.95 | 103.95 | 1650.00 | 57750.00 |
| 26 | 2027-08 | 1751.06 | 101.06 | 1650.00 | 56100.00 |
| 27 | 2027-09 | 1748.17 | 98.17 | 1650.00 | 54450.00 |
| 28 | 2027-10 | 1745.29 | 95.29 | 1650.00 | 52800.00 |
| 29 | 2027-11 | 1742.40 | 92.40 | 1650.00 | 51150.00 |
| 30 | 2027-12 | 1739.51 | 89.51 | 1650.00 | 49500.00 |
| 31 | 2028-01 | 1736.63 | 86.63 | 1650.00 | 47850.00 |
| 32 | 2028-02 | 1733.74 | 83.74 | 1650.00 | 46200.00 |
| 33 | 2028-03 | 1730.85 | 80.85 | 1650.00 | 44550.00 |
| 34 | 2028-04 | 1727.96 | 77.96 | 1650.00 | 42900.00 |
| 35 | 2028-05 | 1725.08 | 75.08 | 1650.00 | 41250.00 |
| 36 | 2028-06 | 1722.19 | 72.19 | 1650.00 | 39600.00 |
| 37 | 2028-07 | 1719.30 | 69.30 | 1650.00 | 37950.00 |
| 38 | 2028-08 | 1716.41 | 66.41 | 1650.00 | 36300.00 |
| 39 | 2028-09 | 1713.53 | 63.52 | 1650.00 | 34650.00 |
| 40 | 2028-10 | 1710.64 | 60.64 | 1650.00 | 33000.00 |
| 41 | 2028-11 | 1707.75 | 57.75 | 1650.00 | 31350.00 |
| 42 | 2028-12 | 1704.86 | 54.86 | 1650.00 | 29700.00 |
| 43 | 2029-01 | 1701.97 | 51.98 | 1650.00 | 28050.00 |
| 44 | 2029-02 | 1699.09 | 49.09 | 1650.00 | 26400.00 |
| 45 | 2029-03 | 1696.20 | 46.20 | 1650.00 | 24750.00 |
| 46 | 2029-04 | 1693.31 | 43.31 | 1650.00 | 23100.00 |
| 47 | 2029-05 | 1690.42 | 40.43 | 1650.00 | 21450.00 |
| 48 | 2029-06 | 1687.54 | 37.54 | 1650.00 | 19800.00 |
| 49 | 2029-07 | 1684.65 | 34.65 | 1650.00 | 18150.00 |
| 50 | 2029-08 | 1681.76 | 31.76 | 1650.00 | 16500.00 |
| 51 | 2029-09 | 1678.88 | 28.88 | 1650.00 | 14850.00 |
| 52 | 2029-10 | 1675.99 | 25.99 | 1650.00 | 13200.00 |
| 53 | 2029-11 | 1673.10 | 23.10 | 1650.00 | 11550.00 |
| 54 | 2029-12 | 1670.21 | 20.21 | 1650.00 | 9900.00 |
| 55 | 2030-01 | 1667.33 | 17.32 | 1650.00 | 8250.00 |
| 56 | 2030-02 | 1664.44 | 14.44 | 1650.00 | 6600.00 |
| 57 | 2030-03 | 1661.55 | 11.55 | 1650.00 | 4950.00 |
| 58 | 2030-04 | 1658.66 | 8.66 | 1650.00 | 3300.00 |
| 59 | 2030-05 | 1655.78 | 5.78 | 1650.00 | 1650.00 |
| 60 | 2030-06 | 1652.89 | 2.89 | 1650.00 | 0.00 |