贷款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：9万
还款月数：5年
每月还款：1627.2元
利息总额：7632.01元
本息合计：9.76万
| 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 | 1627.20 | 243.75 | 1383.45 | 88616.55 |
| 2 | 2025-08 | 1627.20 | 240.00 | 1387.20 | 87229.35 |
| 3 | 2025-09 | 1627.20 | 236.25 | 1390.95 | 85838.40 |
| 4 | 2025-10 | 1627.20 | 232.48 | 1394.72 | 84443.68 |
| 5 | 2025-11 | 1627.20 | 228.70 | 1398.50 | 83045.18 |
| 6 | 2025-12 | 1627.20 | 224.91 | 1402.29 | 81642.89 |
| 7 | 2026-01 | 1627.20 | 221.12 | 1406.08 | 80236.81 |
| 8 | 2026-02 | 1627.20 | 217.31 | 1409.89 | 78826.92 |
| 9 | 2026-03 | 1627.20 | 213.49 | 1413.71 | 77413.21 |
| 10 | 2026-04 | 1627.20 | 209.66 | 1417.54 | 75995.67 |
| 11 | 2026-05 | 1627.20 | 205.82 | 1421.38 | 74574.29 |
| 12 | 2026-06 | 1627.20 | 201.97 | 1425.23 | 73149.06 |
| 13 | 2026-07 | 1627.20 | 198.11 | 1429.09 | 71719.97 |
| 14 | 2026-08 | 1627.20 | 194.24 | 1432.96 | 70287.01 |
| 15 | 2026-09 | 1627.20 | 190.36 | 1436.84 | 68850.17 |
| 16 | 2026-10 | 1627.20 | 186.47 | 1440.73 | 67409.44 |
| 17 | 2026-11 | 1627.20 | 182.57 | 1444.63 | 65964.81 |
| 18 | 2026-12 | 1627.20 | 178.65 | 1448.55 | 64516.26 |
| 19 | 2027-01 | 1627.20 | 174.73 | 1452.47 | 63063.80 |
| 20 | 2027-02 | 1627.20 | 170.80 | 1456.40 | 61607.39 |
| 21 | 2027-03 | 1627.20 | 166.85 | 1460.35 | 60147.05 |
| 22 | 2027-04 | 1627.20 | 162.90 | 1464.30 | 58682.74 |
| 23 | 2027-05 | 1627.20 | 158.93 | 1468.27 | 57214.48 |
| 24 | 2027-06 | 1627.20 | 154.96 | 1472.24 | 55742.23 |
| 25 | 2027-07 | 1627.20 | 150.97 | 1476.23 | 54266.00 |
| 26 | 2027-08 | 1627.20 | 146.97 | 1480.23 | 52785.77 |
| 27 | 2027-09 | 1627.20 | 142.96 | 1484.24 | 51301.53 |
| 28 | 2027-10 | 1627.20 | 138.94 | 1488.26 | 49813.27 |
| 29 | 2027-11 | 1627.20 | 134.91 | 1492.29 | 48320.98 |
| 30 | 2027-12 | 1627.20 | 130.87 | 1496.33 | 46824.65 |
| 31 | 2028-01 | 1627.20 | 126.82 | 1500.38 | 45324.27 |
| 32 | 2028-02 | 1627.20 | 122.75 | 1504.45 | 43819.82 |
| 33 | 2028-03 | 1627.20 | 118.68 | 1508.52 | 42311.30 |
| 34 | 2028-04 | 1627.20 | 114.59 | 1512.61 | 40798.69 |
| 35 | 2028-05 | 1627.20 | 110.50 | 1516.70 | 39281.99 |
| 36 | 2028-06 | 1627.20 | 106.39 | 1520.81 | 37761.18 |
| 37 | 2028-07 | 1627.20 | 102.27 | 1524.93 | 36236.25 |
| 38 | 2028-08 | 1627.20 | 98.14 | 1529.06 | 34707.19 |
| 39 | 2028-09 | 1627.20 | 94.00 | 1533.20 | 33173.99 |
| 40 | 2028-10 | 1627.20 | 89.85 | 1537.35 | 31636.63 |
| 41 | 2028-11 | 1627.20 | 85.68 | 1541.52 | 30095.11 |
| 42 | 2028-12 | 1627.20 | 81.51 | 1545.69 | 28549.42 |
| 43 | 2029-01 | 1627.20 | 77.32 | 1549.88 | 26999.54 |
| 44 | 2029-02 | 1627.20 | 73.12 | 1554.08 | 25445.47 |
| 45 | 2029-03 | 1627.20 | 68.91 | 1558.29 | 23887.18 |
| 46 | 2029-04 | 1627.20 | 64.69 | 1562.51 | 22324.68 |
| 47 | 2029-05 | 1627.20 | 60.46 | 1566.74 | 20757.94 |
| 48 | 2029-06 | 1627.20 | 56.22 | 1570.98 | 19186.96 |
| 49 | 2029-07 | 1627.20 | 51.96 | 1575.24 | 17611.72 |
| 50 | 2029-08 | 1627.20 | 47.70 | 1579.50 | 16032.22 |
| 51 | 2029-09 | 1627.20 | 43.42 | 1583.78 | 14448.44 |
| 52 | 2029-10 | 1627.20 | 39.13 | 1588.07 | 12860.37 |
| 53 | 2029-11 | 1627.20 | 34.83 | 1592.37 | 11268.00 |
| 54 | 2029-12 | 1627.20 | 30.52 | 1596.68 | 9671.32 |
| 55 | 2030-01 | 1627.20 | 26.19 | 1601.01 | 8070.31 |
| 56 | 2030-02 | 1627.20 | 21.86 | 1605.34 | 6464.97 |
| 57 | 2030-03 | 1627.20 | 17.51 | 1609.69 | 4855.28 |
| 58 | 2030-04 | 1627.20 | 13.15 | 1614.05 | 3241.23 |
| 59 | 2030-05 | 1627.20 | 8.78 | 1618.42 | 1622.81 |
| 60 | 2030-06 | 1627.20 | 4.40 | 1622.81 | 0.00 |
等额本金还款方式：
贷款总额：9万
还款月数：5年
首月还款：1743.75元
每月递减：4.06元
利息总额：7434.38元
本息合计：9.74万
节省利息：197.64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 | 1743.75 | 243.75 | 1500.00 | 88500.00 |
| 2 | 2025-08 | 1739.69 | 239.69 | 1500.00 | 87000.00 |
| 3 | 2025-09 | 1735.63 | 235.63 | 1500.00 | 85500.00 |
| 4 | 2025-10 | 1731.56 | 231.56 | 1500.00 | 84000.00 |
| 5 | 2025-11 | 1727.50 | 227.50 | 1500.00 | 82500.00 |
| 6 | 2025-12 | 1723.44 | 223.44 | 1500.00 | 81000.00 |
| 7 | 2026-01 | 1719.38 | 219.38 | 1500.00 | 79500.00 |
| 8 | 2026-02 | 1715.31 | 215.31 | 1500.00 | 78000.00 |
| 9 | 2026-03 | 1711.25 | 211.25 | 1500.00 | 76500.00 |
| 10 | 2026-04 | 1707.19 | 207.19 | 1500.00 | 75000.00 |
| 11 | 2026-05 | 1703.13 | 203.13 | 1500.00 | 73500.00 |
| 12 | 2026-06 | 1699.06 | 199.06 | 1500.00 | 72000.00 |
| 13 | 2026-07 | 1695.00 | 195.00 | 1500.00 | 70500.00 |
| 14 | 2026-08 | 1690.94 | 190.94 | 1500.00 | 69000.00 |
| 15 | 2026-09 | 1686.88 | 186.88 | 1500.00 | 67500.00 |
| 16 | 2026-10 | 1682.81 | 182.81 | 1500.00 | 66000.00 |
| 17 | 2026-11 | 1678.75 | 178.75 | 1500.00 | 64500.00 |
| 18 | 2026-12 | 1674.69 | 174.69 | 1500.00 | 63000.00 |
| 19 | 2027-01 | 1670.63 | 170.63 | 1500.00 | 61500.00 |
| 20 | 2027-02 | 1666.56 | 166.56 | 1500.00 | 60000.00 |
| 21 | 2027-03 | 1662.50 | 162.50 | 1500.00 | 58500.00 |
| 22 | 2027-04 | 1658.44 | 158.44 | 1500.00 | 57000.00 |
| 23 | 2027-05 | 1654.38 | 154.38 | 1500.00 | 55500.00 |
| 24 | 2027-06 | 1650.31 | 150.31 | 1500.00 | 54000.00 |
| 25 | 2027-07 | 1646.25 | 146.25 | 1500.00 | 52500.00 |
| 26 | 2027-08 | 1642.19 | 142.19 | 1500.00 | 51000.00 |
| 27 | 2027-09 | 1638.13 | 138.13 | 1500.00 | 49500.00 |
| 28 | 2027-10 | 1634.06 | 134.06 | 1500.00 | 48000.00 |
| 29 | 2027-11 | 1630.00 | 130.00 | 1500.00 | 46500.00 |
| 30 | 2027-12 | 1625.94 | 125.94 | 1500.00 | 45000.00 |
| 31 | 2028-01 | 1621.88 | 121.88 | 1500.00 | 43500.00 |
| 32 | 2028-02 | 1617.81 | 117.81 | 1500.00 | 42000.00 |
| 33 | 2028-03 | 1613.75 | 113.75 | 1500.00 | 40500.00 |
| 34 | 2028-04 | 1609.69 | 109.69 | 1500.00 | 39000.00 |
| 35 | 2028-05 | 1605.63 | 105.63 | 1500.00 | 37500.00 |
| 36 | 2028-06 | 1601.56 | 101.56 | 1500.00 | 36000.00 |
| 37 | 2028-07 | 1597.50 | 97.50 | 1500.00 | 34500.00 |
| 38 | 2028-08 | 1593.44 | 93.44 | 1500.00 | 33000.00 |
| 39 | 2028-09 | 1589.38 | 89.38 | 1500.00 | 31500.00 |
| 40 | 2028-10 | 1585.31 | 85.31 | 1500.00 | 30000.00 |
| 41 | 2028-11 | 1581.25 | 81.25 | 1500.00 | 28500.00 |
| 42 | 2028-12 | 1577.19 | 77.19 | 1500.00 | 27000.00 |
| 43 | 2029-01 | 1573.13 | 73.13 | 1500.00 | 25500.00 |
| 44 | 2029-02 | 1569.06 | 69.06 | 1500.00 | 24000.00 |
| 45 | 2029-03 | 1565.00 | 65.00 | 1500.00 | 22500.00 |
| 46 | 2029-04 | 1560.94 | 60.94 | 1500.00 | 21000.00 |
| 47 | 2029-05 | 1556.88 | 56.88 | 1500.00 | 19500.00 |
| 48 | 2029-06 | 1552.81 | 52.81 | 1500.00 | 18000.00 |
| 49 | 2029-07 | 1548.75 | 48.75 | 1500.00 | 16500.00 |
| 50 | 2029-08 | 1544.69 | 44.69 | 1500.00 | 15000.00 |
| 51 | 2029-09 | 1540.63 | 40.63 | 1500.00 | 13500.00 |
| 52 | 2029-10 | 1536.56 | 36.56 | 1500.00 | 12000.00 |
| 53 | 2029-11 | 1532.50 | 32.50 | 1500.00 | 10500.00 |
| 54 | 2029-12 | 1528.44 | 28.44 | 1500.00 | 9000.00 |
| 55 | 2030-01 | 1524.38 | 24.38 | 1500.00 | 7500.00 |
| 56 | 2030-02 | 1520.31 | 20.31 | 1500.00 | 6000.00 |
| 57 | 2030-03 | 1516.25 | 16.25 | 1500.00 | 4500.00 |
| 58 | 2030-04 | 1512.19 | 12.19 | 1500.00 | 3000.00 |
| 59 | 2030-05 | 1508.13 | 8.13 | 1500.00 | 1500.00 |
| 60 | 2030-06 | 1504.06 | 4.06 | 1500.00 | 0.00 |