贷款5.88万（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：5.88万
还款月数：5年
每月还款：1046.14元
利息总额：3968.37元
本息合计：6.28万
| 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 | 1046.14 | 127.40 | 918.74 | 57881.26 |
| 2 | 2025-08 | 1046.14 | 125.41 | 920.73 | 56960.53 |
| 3 | 2025-09 | 1046.14 | 123.41 | 922.73 | 56037.81 |
| 4 | 2025-10 | 1046.14 | 121.42 | 924.72 | 55113.08 |
| 5 | 2025-11 | 1046.14 | 119.41 | 926.73 | 54186.35 |
| 6 | 2025-12 | 1046.14 | 117.40 | 928.74 | 53257.62 |
| 7 | 2026-01 | 1046.14 | 115.39 | 930.75 | 52326.87 |
| 8 | 2026-02 | 1046.14 | 113.37 | 932.76 | 51394.10 |
| 9 | 2026-03 | 1046.14 | 111.35 | 934.79 | 50459.32 |
| 10 | 2026-04 | 1046.14 | 109.33 | 936.81 | 49522.51 |
| 11 | 2026-05 | 1046.14 | 107.30 | 938.84 | 48583.67 |
| 12 | 2026-06 | 1046.14 | 105.26 | 940.87 | 47642.79 |
| 13 | 2026-07 | 1046.14 | 103.23 | 942.91 | 46699.88 |
| 14 | 2026-08 | 1046.14 | 101.18 | 944.96 | 45754.92 |
| 15 | 2026-09 | 1046.14 | 99.14 | 947.00 | 44807.92 |
| 16 | 2026-10 | 1046.14 | 97.08 | 949.06 | 43858.86 |
| 17 | 2026-11 | 1046.14 | 95.03 | 951.11 | 42907.75 |
| 18 | 2026-12 | 1046.14 | 92.97 | 953.17 | 41954.58 |
| 19 | 2027-01 | 1046.14 | 90.90 | 955.24 | 40999.34 |
| 20 | 2027-02 | 1046.14 | 88.83 | 957.31 | 40042.03 |
| 21 | 2027-03 | 1046.14 | 86.76 | 959.38 | 39082.65 |
| 22 | 2027-04 | 1046.14 | 84.68 | 961.46 | 38121.19 |
| 23 | 2027-05 | 1046.14 | 82.60 | 963.54 | 37157.65 |
| 24 | 2027-06 | 1046.14 | 80.51 | 965.63 | 36192.01 |
| 25 | 2027-07 | 1046.14 | 78.42 | 967.72 | 35224.29 |
| 26 | 2027-08 | 1046.14 | 76.32 | 969.82 | 34254.47 |
| 27 | 2027-09 | 1046.14 | 74.22 | 971.92 | 33282.55 |
| 28 | 2027-10 | 1046.14 | 72.11 | 974.03 | 32308.52 |
| 29 | 2027-11 | 1046.14 | 70.00 | 976.14 | 31332.38 |
| 30 | 2027-12 | 1046.14 | 67.89 | 978.25 | 30354.13 |
| 31 | 2028-01 | 1046.14 | 65.77 | 980.37 | 29373.76 |
| 32 | 2028-02 | 1046.14 | 63.64 | 982.50 | 28391.26 |
| 33 | 2028-03 | 1046.14 | 61.51 | 984.63 | 27406.64 |
| 34 | 2028-04 | 1046.14 | 59.38 | 986.76 | 26419.88 |
| 35 | 2028-05 | 1046.14 | 57.24 | 988.90 | 25430.98 |
| 36 | 2028-06 | 1046.14 | 55.10 | 991.04 | 24439.94 |
| 37 | 2028-07 | 1046.14 | 52.95 | 993.19 | 23446.76 |
| 38 | 2028-08 | 1046.14 | 50.80 | 995.34 | 22451.42 |
| 39 | 2028-09 | 1046.14 | 48.64 | 997.49 | 21453.92 |
| 40 | 2028-10 | 1046.14 | 46.48 | 999.66 | 20454.27 |
| 41 | 2028-11 | 1046.14 | 44.32 | 1001.82 | 19452.45 |
| 42 | 2028-12 | 1046.14 | 42.15 | 1003.99 | 18448.45 |
| 43 | 2029-01 | 1046.14 | 39.97 | 1006.17 | 17442.29 |
| 44 | 2029-02 | 1046.14 | 37.79 | 1008.35 | 16433.94 |
| 45 | 2029-03 | 1046.14 | 35.61 | 1010.53 | 15423.40 |
| 46 | 2029-04 | 1046.14 | 33.42 | 1012.72 | 14410.68 |
| 47 | 2029-05 | 1046.14 | 31.22 | 1014.92 | 13395.77 |
| 48 | 2029-06 | 1046.14 | 29.02 | 1017.12 | 12378.65 |
| 49 | 2029-07 | 1046.14 | 26.82 | 1019.32 | 11359.33 |
| 50 | 2029-08 | 1046.14 | 24.61 | 1021.53 | 10337.80 |
| 51 | 2029-09 | 1046.14 | 22.40 | 1023.74 | 9314.06 |
| 52 | 2029-10 | 1046.14 | 20.18 | 1025.96 | 8288.10 |
| 53 | 2029-11 | 1046.14 | 17.96 | 1028.18 | 7259.92 |
| 54 | 2029-12 | 1046.14 | 15.73 | 1030.41 | 6229.51 |
| 55 | 2030-01 | 1046.14 | 13.50 | 1032.64 | 5196.87 |
| 56 | 2030-02 | 1046.14 | 11.26 | 1034.88 | 4161.99 |
| 57 | 2030-03 | 1046.14 | 9.02 | 1037.12 | 3124.87 |
| 58 | 2030-04 | 1046.14 | 6.77 | 1039.37 | 2085.50 |
| 59 | 2030-05 | 1046.14 | 4.52 | 1041.62 | 1043.88 |
| 60 | 2030-06 | 1046.14 | 2.26 | 1043.88 | 0.00 |
等额本金还款方式：
贷款总额：5.88万
还款月数：5年
首月还款：1107.4元
每月递减：2.12元
利息总额：3885.7元
本息合计：6.27万
节省利息：82.67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 | 1107.40 | 127.40 | 980.00 | 57820.00 |
| 2 | 2025-08 | 1105.28 | 125.28 | 980.00 | 56840.00 |
| 3 | 2025-09 | 1103.15 | 123.15 | 980.00 | 55860.00 |
| 4 | 2025-10 | 1101.03 | 121.03 | 980.00 | 54880.00 |
| 5 | 2025-11 | 1098.91 | 118.91 | 980.00 | 53900.00 |
| 6 | 2025-12 | 1096.78 | 116.78 | 980.00 | 52920.00 |
| 7 | 2026-01 | 1094.66 | 114.66 | 980.00 | 51940.00 |
| 8 | 2026-02 | 1092.54 | 112.54 | 980.00 | 50960.00 |
| 9 | 2026-03 | 1090.41 | 110.41 | 980.00 | 49980.00 |
| 10 | 2026-04 | 1088.29 | 108.29 | 980.00 | 49000.00 |
| 11 | 2026-05 | 1086.17 | 106.17 | 980.00 | 48020.00 |
| 12 | 2026-06 | 1084.04 | 104.04 | 980.00 | 47040.00 |
| 13 | 2026-07 | 1081.92 | 101.92 | 980.00 | 46060.00 |
| 14 | 2026-08 | 1079.80 | 99.80 | 980.00 | 45080.00 |
| 15 | 2026-09 | 1077.67 | 97.67 | 980.00 | 44100.00 |
| 16 | 2026-10 | 1075.55 | 95.55 | 980.00 | 43120.00 |
| 17 | 2026-11 | 1073.43 | 93.43 | 980.00 | 42140.00 |
| 18 | 2026-12 | 1071.30 | 91.30 | 980.00 | 41160.00 |
| 19 | 2027-01 | 1069.18 | 89.18 | 980.00 | 40180.00 |
| 20 | 2027-02 | 1067.06 | 87.06 | 980.00 | 39200.00 |
| 21 | 2027-03 | 1064.93 | 84.93 | 980.00 | 38220.00 |
| 22 | 2027-04 | 1062.81 | 82.81 | 980.00 | 37240.00 |
| 23 | 2027-05 | 1060.69 | 80.69 | 980.00 | 36260.00 |
| 24 | 2027-06 | 1058.56 | 78.56 | 980.00 | 35280.00 |
| 25 | 2027-07 | 1056.44 | 76.44 | 980.00 | 34300.00 |
| 26 | 2027-08 | 1054.32 | 74.32 | 980.00 | 33320.00 |
| 27 | 2027-09 | 1052.19 | 72.19 | 980.00 | 32340.00 |
| 28 | 2027-10 | 1050.07 | 70.07 | 980.00 | 31360.00 |
| 29 | 2027-11 | 1047.95 | 67.95 | 980.00 | 30380.00 |
| 30 | 2027-12 | 1045.82 | 65.82 | 980.00 | 29400.00 |
| 31 | 2028-01 | 1043.70 | 63.70 | 980.00 | 28420.00 |
| 32 | 2028-02 | 1041.58 | 61.58 | 980.00 | 27440.00 |
| 33 | 2028-03 | 1039.45 | 59.45 | 980.00 | 26460.00 |
| 34 | 2028-04 | 1037.33 | 57.33 | 980.00 | 25480.00 |
| 35 | 2028-05 | 1035.21 | 55.21 | 980.00 | 24500.00 |
| 36 | 2028-06 | 1033.08 | 53.08 | 980.00 | 23520.00 |
| 37 | 2028-07 | 1030.96 | 50.96 | 980.00 | 22540.00 |
| 38 | 2028-08 | 1028.84 | 48.84 | 980.00 | 21560.00 |
| 39 | 2028-09 | 1026.71 | 46.71 | 980.00 | 20580.00 |
| 40 | 2028-10 | 1024.59 | 44.59 | 980.00 | 19600.00 |
| 41 | 2028-11 | 1022.47 | 42.47 | 980.00 | 18620.00 |
| 42 | 2028-12 | 1020.34 | 40.34 | 980.00 | 17640.00 |
| 43 | 2029-01 | 1018.22 | 38.22 | 980.00 | 16660.00 |
| 44 | 2029-02 | 1016.10 | 36.10 | 980.00 | 15680.00 |
| 45 | 2029-03 | 1013.97 | 33.97 | 980.00 | 14700.00 |
| 46 | 2029-04 | 1011.85 | 31.85 | 980.00 | 13720.00 |
| 47 | 2029-05 | 1009.73 | 29.73 | 980.00 | 12740.00 |
| 48 | 2029-06 | 1007.60 | 27.60 | 980.00 | 11760.00 |
| 49 | 2029-07 | 1005.48 | 25.48 | 980.00 | 10780.00 |
| 50 | 2029-08 | 1003.36 | 23.36 | 980.00 | 9800.00 |
| 51 | 2029-09 | 1001.23 | 21.23 | 980.00 | 8820.00 |
| 52 | 2029-10 | 999.11 | 19.11 | 980.00 | 7840.00 |
| 53 | 2029-11 | 996.99 | 16.99 | 980.00 | 6860.00 |
| 54 | 2029-12 | 994.86 | 14.86 | 980.00 | 5880.00 |
| 55 | 2030-01 | 992.74 | 12.74 | 980.00 | 4900.00 |
| 56 | 2030-02 | 990.62 | 10.62 | 980.00 | 3920.00 |
| 57 | 2030-03 | 988.49 | 8.49 | 980.00 | 2940.00 |
| 58 | 2030-04 | 986.37 | 6.37 | 980.00 | 1960.00 |
| 59 | 2030-05 | 984.25 | 4.25 | 980.00 | 980.00 |
| 60 | 2030-06 | 982.12 | 2.12 | 980.00 | 0.00 |