成都贷款80万（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：80万
还款月数：5年
每月还款：14374.95元
利息总额：6.25万
本息合计：86.25万
| 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 | 14374.95 | 2000.00 | 12374.95 | 787625.05 |
| 2 | 2025-08 | 14374.95 | 1969.06 | 12405.89 | 775219.16 |
| 3 | 2025-09 | 14374.95 | 1938.05 | 12436.90 | 762782.25 |
| 4 | 2025-10 | 14374.95 | 1906.96 | 12468.00 | 750314.26 |
| 5 | 2025-11 | 14374.95 | 1875.79 | 12499.17 | 737815.09 |
| 6 | 2025-12 | 14374.95 | 1844.54 | 12530.41 | 725284.67 |
| 7 | 2026-01 | 14374.95 | 1813.21 | 12561.74 | 712722.93 |
| 8 | 2026-02 | 14374.95 | 1781.81 | 12593.15 | 700129.79 |
| 9 | 2026-03 | 14374.95 | 1750.32 | 12624.63 | 687505.16 |
| 10 | 2026-04 | 14374.95 | 1718.76 | 12656.19 | 674848.97 |
| 11 | 2026-05 | 14374.95 | 1687.12 | 12687.83 | 662161.14 |
| 12 | 2026-06 | 14374.95 | 1655.40 | 12719.55 | 649441.59 |
| 13 | 2026-07 | 14374.95 | 1623.60 | 12751.35 | 636690.24 |
| 14 | 2026-08 | 14374.95 | 1591.73 | 12783.23 | 623907.02 |
| 15 | 2026-09 | 14374.95 | 1559.77 | 12815.18 | 611091.83 |
| 16 | 2026-10 | 14374.95 | 1527.73 | 12847.22 | 598244.61 |
| 17 | 2026-11 | 14374.95 | 1495.61 | 12879.34 | 585365.27 |
| 18 | 2026-12 | 14374.95 | 1463.41 | 12911.54 | 572453.73 |
| 19 | 2027-01 | 14374.95 | 1431.13 | 12943.82 | 559509.91 |
| 20 | 2027-02 | 14374.95 | 1398.77 | 12976.18 | 546533.73 |
| 21 | 2027-03 | 14374.95 | 1366.33 | 13008.62 | 533525.11 |
| 22 | 2027-04 | 14374.95 | 1333.81 | 13041.14 | 520483.97 |
| 23 | 2027-05 | 14374.95 | 1301.21 | 13073.74 | 507410.23 |
| 24 | 2027-06 | 14374.95 | 1268.53 | 13106.43 | 494303.80 |
| 25 | 2027-07 | 14374.95 | 1235.76 | 13139.19 | 481164.61 |
| 26 | 2027-08 | 14374.95 | 1202.91 | 13172.04 | 467992.57 |
| 27 | 2027-09 | 14374.95 | 1169.98 | 13204.97 | 454787.60 |
| 28 | 2027-10 | 14374.95 | 1136.97 | 13237.98 | 441549.61 |
| 29 | 2027-11 | 14374.95 | 1103.87 | 13271.08 | 428278.54 |
| 30 | 2027-12 | 14374.95 | 1070.70 | 13304.26 | 414974.28 |
| 31 | 2028-01 | 14374.95 | 1037.44 | 13337.52 | 401636.76 |
| 32 | 2028-02 | 14374.95 | 1004.09 | 13370.86 | 388265.90 |
| 33 | 2028-03 | 14374.95 | 970.66 | 13404.29 | 374861.61 |
| 34 | 2028-04 | 14374.95 | 937.15 | 13437.80 | 361423.82 |
| 35 | 2028-05 | 14374.95 | 903.56 | 13471.39 | 347952.42 |
| 36 | 2028-06 | 14374.95 | 869.88 | 13505.07 | 334447.35 |
| 37 | 2028-07 | 14374.95 | 836.12 | 13538.83 | 320908.52 |
| 38 | 2028-08 | 14374.95 | 802.27 | 13572.68 | 307335.84 |
| 39 | 2028-09 | 14374.95 | 768.34 | 13606.61 | 293729.22 |
| 40 | 2028-10 | 14374.95 | 734.32 | 13640.63 | 280088.59 |
| 41 | 2028-11 | 14374.95 | 700.22 | 13674.73 | 266413.86 |
| 42 | 2028-12 | 14374.95 | 666.03 | 13708.92 | 252704.95 |
| 43 | 2029-01 | 14374.95 | 631.76 | 13743.19 | 238961.76 |
| 44 | 2029-02 | 14374.95 | 597.40 | 13777.55 | 225184.21 |
| 45 | 2029-03 | 14374.95 | 562.96 | 13811.99 | 211372.21 |
| 46 | 2029-04 | 14374.95 | 528.43 | 13846.52 | 197525.69 |
| 47 | 2029-05 | 14374.95 | 493.81 | 13881.14 | 183644.55 |
| 48 | 2029-06 | 14374.95 | 459.11 | 13915.84 | 169728.71 |
| 49 | 2029-07 | 14374.95 | 424.32 | 13950.63 | 155778.08 |
| 50 | 2029-08 | 14374.95 | 389.45 | 13985.51 | 141792.58 |
| 51 | 2029-09 | 14374.95 | 354.48 | 14020.47 | 127772.10 |
| 52 | 2029-10 | 14374.95 | 319.43 | 14055.52 | 113716.58 |
| 53 | 2029-11 | 14374.95 | 284.29 | 14090.66 | 99625.92 |
| 54 | 2029-12 | 14374.95 | 249.06 | 14125.89 | 85500.03 |
| 55 | 2030-01 | 14374.95 | 213.75 | 14161.20 | 71338.83 |
| 56 | 2030-02 | 14374.95 | 178.35 | 14196.61 | 57142.23 |
| 57 | 2030-03 | 14374.95 | 142.86 | 14232.10 | 42910.13 |
| 58 | 2030-04 | 14374.95 | 107.28 | 14267.68 | 28642.45 |
| 59 | 2030-05 | 14374.95 | 71.61 | 14303.35 | 14339.10 |
| 60 | 2030-06 | 14374.95 | 35.85 | 14339.10 | 0.00 |
等额本金还款方式：
贷款总额：80万
还款月数：5年
首月还款：15333.33元
每月递减：33.33元
利息总额：6.1万
本息合计：86.1万
节省利息：1497.15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 | 15333.33 | 2000.00 | 13333.33 | 786666.67 |
| 2 | 2025-08 | 15300.00 | 1966.67 | 13333.33 | 773333.33 |
| 3 | 2025-09 | 15266.67 | 1933.33 | 13333.33 | 760000.00 |
| 4 | 2025-10 | 15233.33 | 1900.00 | 13333.33 | 746666.67 |
| 5 | 2025-11 | 15200.00 | 1866.67 | 13333.33 | 733333.33 |
| 6 | 2025-12 | 15166.67 | 1833.33 | 13333.33 | 720000.00 |
| 7 | 2026-01 | 15133.33 | 1800.00 | 13333.33 | 706666.67 |
| 8 | 2026-02 | 15100.00 | 1766.67 | 13333.33 | 693333.33 |
| 9 | 2026-03 | 15066.67 | 1733.33 | 13333.33 | 680000.00 |
| 10 | 2026-04 | 15033.33 | 1700.00 | 13333.33 | 666666.67 |
| 11 | 2026-05 | 15000.00 | 1666.67 | 13333.33 | 653333.33 |
| 12 | 2026-06 | 14966.67 | 1633.33 | 13333.33 | 640000.00 |
| 13 | 2026-07 | 14933.33 | 1600.00 | 13333.33 | 626666.67 |
| 14 | 2026-08 | 14900.00 | 1566.67 | 13333.33 | 613333.33 |
| 15 | 2026-09 | 14866.67 | 1533.33 | 13333.33 | 600000.00 |
| 16 | 2026-10 | 14833.33 | 1500.00 | 13333.33 | 586666.67 |
| 17 | 2026-11 | 14800.00 | 1466.67 | 13333.33 | 573333.33 |
| 18 | 2026-12 | 14766.67 | 1433.33 | 13333.33 | 560000.00 |
| 19 | 2027-01 | 14733.33 | 1400.00 | 13333.33 | 546666.67 |
| 20 | 2027-02 | 14700.00 | 1366.67 | 13333.33 | 533333.33 |
| 21 | 2027-03 | 14666.67 | 1333.33 | 13333.33 | 520000.00 |
| 22 | 2027-04 | 14633.33 | 1300.00 | 13333.33 | 506666.67 |
| 23 | 2027-05 | 14600.00 | 1266.67 | 13333.33 | 493333.33 |
| 24 | 2027-06 | 14566.67 | 1233.33 | 13333.33 | 480000.00 |
| 25 | 2027-07 | 14533.33 | 1200.00 | 13333.33 | 466666.67 |
| 26 | 2027-08 | 14500.00 | 1166.67 | 13333.33 | 453333.33 |
| 27 | 2027-09 | 14466.67 | 1133.33 | 13333.33 | 440000.00 |
| 28 | 2027-10 | 14433.33 | 1100.00 | 13333.33 | 426666.67 |
| 29 | 2027-11 | 14400.00 | 1066.67 | 13333.33 | 413333.33 |
| 30 | 2027-12 | 14366.67 | 1033.33 | 13333.33 | 400000.00 |
| 31 | 2028-01 | 14333.33 | 1000.00 | 13333.33 | 386666.67 |
| 32 | 2028-02 | 14300.00 | 966.67 | 13333.33 | 373333.33 |
| 33 | 2028-03 | 14266.67 | 933.33 | 13333.33 | 360000.00 |
| 34 | 2028-04 | 14233.33 | 900.00 | 13333.33 | 346666.67 |
| 35 | 2028-05 | 14200.00 | 866.67 | 13333.33 | 333333.33 |
| 36 | 2028-06 | 14166.67 | 833.33 | 13333.33 | 320000.00 |
| 37 | 2028-07 | 14133.33 | 800.00 | 13333.33 | 306666.67 |
| 38 | 2028-08 | 14100.00 | 766.67 | 13333.33 | 293333.33 |
| 39 | 2028-09 | 14066.67 | 733.33 | 13333.33 | 280000.00 |
| 40 | 2028-10 | 14033.33 | 700.00 | 13333.33 | 266666.67 |
| 41 | 2028-11 | 14000.00 | 666.67 | 13333.33 | 253333.33 |
| 42 | 2028-12 | 13966.67 | 633.33 | 13333.33 | 240000.00 |
| 43 | 2029-01 | 13933.33 | 600.00 | 13333.33 | 226666.67 |
| 44 | 2029-02 | 13900.00 | 566.67 | 13333.33 | 213333.33 |
| 45 | 2029-03 | 13866.67 | 533.33 | 13333.33 | 200000.00 |
| 46 | 2029-04 | 13833.33 | 500.00 | 13333.33 | 186666.67 |
| 47 | 2029-05 | 13800.00 | 466.67 | 13333.33 | 173333.33 |
| 48 | 2029-06 | 13766.67 | 433.33 | 13333.33 | 160000.00 |
| 49 | 2029-07 | 13733.33 | 400.00 | 13333.33 | 146666.67 |
| 50 | 2029-08 | 13700.00 | 366.67 | 13333.33 | 133333.33 |
| 51 | 2029-09 | 13666.67 | 333.33 | 13333.33 | 120000.00 |
| 52 | 2029-10 | 13633.33 | 300.00 | 13333.33 | 106666.67 |
| 53 | 2029-11 | 13600.00 | 266.67 | 13333.33 | 93333.33 |
| 54 | 2029-12 | 13566.67 | 233.33 | 13333.33 | 80000.00 |
| 55 | 2030-01 | 13533.33 | 200.00 | 13333.33 | 66666.67 |
| 56 | 2030-02 | 13500.00 | 166.67 | 13333.33 | 53333.33 |
| 57 | 2030-03 | 13466.67 | 133.33 | 13333.33 | 40000.00 |
| 58 | 2030-04 | 13433.33 | 100.00 | 13333.33 | 26666.67 |
| 59 | 2030-05 | 13400.00 | 66.67 | 13333.33 | 13333.33 |
| 60 | 2030-06 | 13366.67 | 33.33 | 13333.33 | 0.00 |