贷款6万（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：6万
还款月数：5年
每月还款：1084.8元
利息总额：5088.01元
本息合计：6.51万
| 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 | 1084.80 | 162.50 | 922.30 | 59077.70 |
| 2 | 2025-08 | 1084.80 | 160.00 | 924.80 | 58152.90 |
| 3 | 2025-09 | 1084.80 | 157.50 | 927.30 | 57225.60 |
| 4 | 2025-10 | 1084.80 | 154.99 | 929.81 | 56295.78 |
| 5 | 2025-11 | 1084.80 | 152.47 | 932.33 | 55363.45 |
| 6 | 2025-12 | 1084.80 | 149.94 | 934.86 | 54428.60 |
| 7 | 2026-01 | 1084.80 | 147.41 | 937.39 | 53491.21 |
| 8 | 2026-02 | 1084.80 | 144.87 | 939.93 | 52551.28 |
| 9 | 2026-03 | 1084.80 | 142.33 | 942.47 | 51608.80 |
| 10 | 2026-04 | 1084.80 | 139.77 | 945.03 | 50663.78 |
| 11 | 2026-05 | 1084.80 | 137.21 | 947.59 | 49716.19 |
| 12 | 2026-06 | 1084.80 | 134.65 | 950.15 | 48766.04 |
| 13 | 2026-07 | 1084.80 | 132.07 | 952.73 | 47813.31 |
| 14 | 2026-08 | 1084.80 | 129.49 | 955.31 | 46858.01 |
| 15 | 2026-09 | 1084.80 | 126.91 | 957.89 | 45900.12 |
| 16 | 2026-10 | 1084.80 | 124.31 | 960.49 | 44939.63 |
| 17 | 2026-11 | 1084.80 | 121.71 | 963.09 | 43976.54 |
| 18 | 2026-12 | 1084.80 | 119.10 | 965.70 | 43010.84 |
| 19 | 2027-01 | 1084.80 | 116.49 | 968.31 | 42042.53 |
| 20 | 2027-02 | 1084.80 | 113.87 | 970.93 | 41071.60 |
| 21 | 2027-03 | 1084.80 | 111.24 | 973.56 | 40098.03 |
| 22 | 2027-04 | 1084.80 | 108.60 | 976.20 | 39121.83 |
| 23 | 2027-05 | 1084.80 | 105.95 | 978.85 | 38142.98 |
| 24 | 2027-06 | 1084.80 | 103.30 | 981.50 | 37161.49 |
| 25 | 2027-07 | 1084.80 | 100.65 | 984.15 | 36177.33 |
| 26 | 2027-08 | 1084.80 | 97.98 | 986.82 | 35190.51 |
| 27 | 2027-09 | 1084.80 | 95.31 | 989.49 | 34201.02 |
| 28 | 2027-10 | 1084.80 | 92.63 | 992.17 | 33208.85 |
| 29 | 2027-11 | 1084.80 | 89.94 | 994.86 | 32213.99 |
| 30 | 2027-12 | 1084.80 | 87.25 | 997.55 | 31216.44 |
| 31 | 2028-01 | 1084.80 | 84.54 | 1000.26 | 30216.18 |
| 32 | 2028-02 | 1084.80 | 81.84 | 1002.96 | 29213.21 |
| 33 | 2028-03 | 1084.80 | 79.12 | 1005.68 | 28207.53 |
| 34 | 2028-04 | 1084.80 | 76.40 | 1008.40 | 27199.13 |
| 35 | 2028-05 | 1084.80 | 73.66 | 1011.14 | 26187.99 |
| 36 | 2028-06 | 1084.80 | 70.93 | 1013.87 | 25174.12 |
| 37 | 2028-07 | 1084.80 | 68.18 | 1016.62 | 24157.50 |
| 38 | 2028-08 | 1084.80 | 65.43 | 1019.37 | 23138.13 |
| 39 | 2028-09 | 1084.80 | 62.67 | 1022.13 | 22115.99 |
| 40 | 2028-10 | 1084.80 | 59.90 | 1024.90 | 21091.09 |
| 41 | 2028-11 | 1084.80 | 57.12 | 1027.68 | 20063.41 |
| 42 | 2028-12 | 1084.80 | 54.34 | 1030.46 | 19032.95 |
| 43 | 2029-01 | 1084.80 | 51.55 | 1033.25 | 17999.70 |
| 44 | 2029-02 | 1084.80 | 48.75 | 1036.05 | 16963.64 |
| 45 | 2029-03 | 1084.80 | 45.94 | 1038.86 | 15924.79 |
| 46 | 2029-04 | 1084.80 | 43.13 | 1041.67 | 14883.12 |
| 47 | 2029-05 | 1084.80 | 40.31 | 1044.49 | 13838.63 |
| 48 | 2029-06 | 1084.80 | 37.48 | 1047.32 | 12791.30 |
| 49 | 2029-07 | 1084.80 | 34.64 | 1050.16 | 11741.15 |
| 50 | 2029-08 | 1084.80 | 31.80 | 1053.00 | 10688.15 |
| 51 | 2029-09 | 1084.80 | 28.95 | 1055.85 | 9632.29 |
| 52 | 2029-10 | 1084.80 | 26.09 | 1058.71 | 8573.58 |
| 53 | 2029-11 | 1084.80 | 23.22 | 1061.58 | 7512.00 |
| 54 | 2029-12 | 1084.80 | 20.35 | 1064.46 | 6447.55 |
| 55 | 2030-01 | 1084.80 | 17.46 | 1067.34 | 5380.21 |
| 56 | 2030-02 | 1084.80 | 14.57 | 1070.23 | 4309.98 |
| 57 | 2030-03 | 1084.80 | 11.67 | 1073.13 | 3236.85 |
| 58 | 2030-04 | 1084.80 | 8.77 | 1076.03 | 2160.82 |
| 59 | 2030-05 | 1084.80 | 5.85 | 1078.95 | 1081.87 |
| 60 | 2030-06 | 1084.80 | 2.93 | 1081.87 | 0.00 |
等额本金还款方式：
贷款总额：6万
还款月数：5年
首月还款：1162.5元
每月递减：2.71元
利息总额：4956.25元
本息合计：6.5万
节省利息：131.76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 | 1162.50 | 162.50 | 1000.00 | 59000.00 |
| 2 | 2025-08 | 1159.79 | 159.79 | 1000.00 | 58000.00 |
| 3 | 2025-09 | 1157.08 | 157.08 | 1000.00 | 57000.00 |
| 4 | 2025-10 | 1154.38 | 154.38 | 1000.00 | 56000.00 |
| 5 | 2025-11 | 1151.67 | 151.67 | 1000.00 | 55000.00 |
| 6 | 2025-12 | 1148.96 | 148.96 | 1000.00 | 54000.00 |
| 7 | 2026-01 | 1146.25 | 146.25 | 1000.00 | 53000.00 |
| 8 | 2026-02 | 1143.54 | 143.54 | 1000.00 | 52000.00 |
| 9 | 2026-03 | 1140.83 | 140.83 | 1000.00 | 51000.00 |
| 10 | 2026-04 | 1138.13 | 138.13 | 1000.00 | 50000.00 |
| 11 | 2026-05 | 1135.42 | 135.42 | 1000.00 | 49000.00 |
| 12 | 2026-06 | 1132.71 | 132.71 | 1000.00 | 48000.00 |
| 13 | 2026-07 | 1130.00 | 130.00 | 1000.00 | 47000.00 |
| 14 | 2026-08 | 1127.29 | 127.29 | 1000.00 | 46000.00 |
| 15 | 2026-09 | 1124.58 | 124.58 | 1000.00 | 45000.00 |
| 16 | 2026-10 | 1121.88 | 121.88 | 1000.00 | 44000.00 |
| 17 | 2026-11 | 1119.17 | 119.17 | 1000.00 | 43000.00 |
| 18 | 2026-12 | 1116.46 | 116.46 | 1000.00 | 42000.00 |
| 19 | 2027-01 | 1113.75 | 113.75 | 1000.00 | 41000.00 |
| 20 | 2027-02 | 1111.04 | 111.04 | 1000.00 | 40000.00 |
| 21 | 2027-03 | 1108.33 | 108.33 | 1000.00 | 39000.00 |
| 22 | 2027-04 | 1105.63 | 105.63 | 1000.00 | 38000.00 |
| 23 | 2027-05 | 1102.92 | 102.92 | 1000.00 | 37000.00 |
| 24 | 2027-06 | 1100.21 | 100.21 | 1000.00 | 36000.00 |
| 25 | 2027-07 | 1097.50 | 97.50 | 1000.00 | 35000.00 |
| 26 | 2027-08 | 1094.79 | 94.79 | 1000.00 | 34000.00 |
| 27 | 2027-09 | 1092.08 | 92.08 | 1000.00 | 33000.00 |
| 28 | 2027-10 | 1089.38 | 89.38 | 1000.00 | 32000.00 |
| 29 | 2027-11 | 1086.67 | 86.67 | 1000.00 | 31000.00 |
| 30 | 2027-12 | 1083.96 | 83.96 | 1000.00 | 30000.00 |
| 31 | 2028-01 | 1081.25 | 81.25 | 1000.00 | 29000.00 |
| 32 | 2028-02 | 1078.54 | 78.54 | 1000.00 | 28000.00 |
| 33 | 2028-03 | 1075.83 | 75.83 | 1000.00 | 27000.00 |
| 34 | 2028-04 | 1073.13 | 73.13 | 1000.00 | 26000.00 |
| 35 | 2028-05 | 1070.42 | 70.42 | 1000.00 | 25000.00 |
| 36 | 2028-06 | 1067.71 | 67.71 | 1000.00 | 24000.00 |
| 37 | 2028-07 | 1065.00 | 65.00 | 1000.00 | 23000.00 |
| 38 | 2028-08 | 1062.29 | 62.29 | 1000.00 | 22000.00 |
| 39 | 2028-09 | 1059.58 | 59.58 | 1000.00 | 21000.00 |
| 40 | 2028-10 | 1056.88 | 56.88 | 1000.00 | 20000.00 |
| 41 | 2028-11 | 1054.17 | 54.17 | 1000.00 | 19000.00 |
| 42 | 2028-12 | 1051.46 | 51.46 | 1000.00 | 18000.00 |
| 43 | 2029-01 | 1048.75 | 48.75 | 1000.00 | 17000.00 |
| 44 | 2029-02 | 1046.04 | 46.04 | 1000.00 | 16000.00 |
| 45 | 2029-03 | 1043.33 | 43.33 | 1000.00 | 15000.00 |
| 46 | 2029-04 | 1040.63 | 40.63 | 1000.00 | 14000.00 |
| 47 | 2029-05 | 1037.92 | 37.92 | 1000.00 | 13000.00 |
| 48 | 2029-06 | 1035.21 | 35.21 | 1000.00 | 12000.00 |
| 49 | 2029-07 | 1032.50 | 32.50 | 1000.00 | 11000.00 |
| 50 | 2029-08 | 1029.79 | 29.79 | 1000.00 | 10000.00 |
| 51 | 2029-09 | 1027.08 | 27.08 | 1000.00 | 9000.00 |
| 52 | 2029-10 | 1024.38 | 24.38 | 1000.00 | 8000.00 |
| 53 | 2029-11 | 1021.67 | 21.67 | 1000.00 | 7000.00 |
| 54 | 2029-12 | 1018.96 | 18.96 | 1000.00 | 6000.00 |
| 55 | 2030-01 | 1016.25 | 16.25 | 1000.00 | 5000.00 |
| 56 | 2030-02 | 1013.54 | 13.54 | 1000.00 | 4000.00 |
| 57 | 2030-03 | 1010.83 | 10.83 | 1000.00 | 3000.00 |
| 58 | 2030-04 | 1008.13 | 8.13 | 1000.00 | 2000.00 |
| 59 | 2030-05 | 1005.42 | 5.42 | 1000.00 | 1000.00 |
| 60 | 2030-06 | 1002.71 | 2.71 | 1000.00 | 0.00 |