深圳贷款120万（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：120万
还款月数：5年
每月还款：21349.79元
利息总额：8.1万
本息合计：128.1万
| 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 | 21349.79 | 2600.00 | 18749.79 | 1181250.21 |
| 2 | 2025-08 | 21349.79 | 2559.38 | 18790.41 | 1162459.80 |
| 3 | 2025-09 | 21349.79 | 2518.66 | 18831.12 | 1143628.68 |
| 4 | 2025-10 | 21349.79 | 2477.86 | 18871.93 | 1124756.75 |
| 5 | 2025-11 | 21349.79 | 2436.97 | 18912.81 | 1105843.94 |
| 6 | 2025-12 | 21349.79 | 2396.00 | 18953.79 | 1086890.15 |
| 7 | 2026-01 | 21349.79 | 2354.93 | 18994.86 | 1067895.29 |
| 8 | 2026-02 | 21349.79 | 2313.77 | 19036.01 | 1048859.27 |
| 9 | 2026-03 | 21349.79 | 2272.53 | 19077.26 | 1029782.01 |
| 10 | 2026-04 | 21349.79 | 2231.19 | 19118.59 | 1010663.42 |
| 11 | 2026-05 | 21349.79 | 2189.77 | 19160.02 | 991503.41 |
| 12 | 2026-06 | 21349.79 | 2148.26 | 19201.53 | 972301.88 |
| 13 | 2026-07 | 21349.79 | 2106.65 | 19243.13 | 953058.74 |
| 14 | 2026-08 | 21349.79 | 2064.96 | 19284.83 | 933773.92 |
| 15 | 2026-09 | 21349.79 | 2023.18 | 19326.61 | 914447.31 |
| 16 | 2026-10 | 21349.79 | 1981.30 | 19368.48 | 895078.82 |
| 17 | 2026-11 | 21349.79 | 1939.34 | 19410.45 | 875668.37 |
| 18 | 2026-12 | 21349.79 | 1897.28 | 19452.51 | 856215.87 |
| 19 | 2027-01 | 21349.79 | 1855.13 | 19494.65 | 836721.21 |
| 20 | 2027-02 | 21349.79 | 1812.90 | 19536.89 | 817184.32 |
| 21 | 2027-03 | 21349.79 | 1770.57 | 19579.22 | 797605.10 |
| 22 | 2027-04 | 21349.79 | 1728.14 | 19621.64 | 777983.46 |
| 23 | 2027-05 | 21349.79 | 1685.63 | 19664.16 | 758319.30 |
| 24 | 2027-06 | 21349.79 | 1643.03 | 19706.76 | 738612.54 |
| 25 | 2027-07 | 21349.79 | 1600.33 | 19749.46 | 718863.08 |
| 26 | 2027-08 | 21349.79 | 1557.54 | 19792.25 | 699070.83 |
| 27 | 2027-09 | 21349.79 | 1514.65 | 19835.13 | 679235.70 |
| 28 | 2027-10 | 21349.79 | 1471.68 | 19878.11 | 659357.59 |
| 29 | 2027-11 | 21349.79 | 1428.61 | 19921.18 | 639436.41 |
| 30 | 2027-12 | 21349.79 | 1385.45 | 19964.34 | 619472.06 |
| 31 | 2028-01 | 21349.79 | 1342.19 | 20007.60 | 599464.47 |
| 32 | 2028-02 | 21349.79 | 1298.84 | 20050.95 | 579413.52 |
| 33 | 2028-03 | 21349.79 | 1255.40 | 20094.39 | 559319.13 |
| 34 | 2028-04 | 21349.79 | 1211.86 | 20137.93 | 539181.20 |
| 35 | 2028-05 | 21349.79 | 1168.23 | 20181.56 | 518999.64 |
| 36 | 2028-06 | 21349.79 | 1124.50 | 20225.29 | 498774.35 |
| 37 | 2028-07 | 21349.79 | 1080.68 | 20269.11 | 478505.24 |
| 38 | 2028-08 | 21349.79 | 1036.76 | 20313.03 | 458192.22 |
| 39 | 2028-09 | 21349.79 | 992.75 | 20357.04 | 437835.18 |
| 40 | 2028-10 | 21349.79 | 948.64 | 20401.14 | 417434.03 |
| 41 | 2028-11 | 21349.79 | 904.44 | 20445.35 | 396988.69 |
| 42 | 2028-12 | 21349.79 | 860.14 | 20489.64 | 376499.04 |
| 43 | 2029-01 | 21349.79 | 815.75 | 20534.04 | 355965.00 |
| 44 | 2029-02 | 21349.79 | 771.26 | 20578.53 | 335386.47 |
| 45 | 2029-03 | 21349.79 | 726.67 | 20623.12 | 314763.36 |
| 46 | 2029-04 | 21349.79 | 681.99 | 20667.80 | 294095.56 |
| 47 | 2029-05 | 21349.79 | 637.21 | 20712.58 | 273382.98 |
| 48 | 2029-06 | 21349.79 | 592.33 | 20757.46 | 252625.52 |
| 49 | 2029-07 | 21349.79 | 547.36 | 20802.43 | 231823.09 |
| 50 | 2029-08 | 21349.79 | 502.28 | 20847.50 | 210975.58 |
| 51 | 2029-09 | 21349.79 | 457.11 | 20892.67 | 190082.91 |
| 52 | 2029-10 | 21349.79 | 411.85 | 20937.94 | 169144.97 |
| 53 | 2029-11 | 21349.79 | 366.48 | 20983.31 | 148161.66 |
| 54 | 2029-12 | 21349.79 | 321.02 | 21028.77 | 127132.89 |
| 55 | 2030-01 | 21349.79 | 275.45 | 21074.33 | 106058.56 |
| 56 | 2030-02 | 21349.79 | 229.79 | 21119.99 | 84938.57 |
| 57 | 2030-03 | 21349.79 | 184.03 | 21165.75 | 63772.81 |
| 58 | 2030-04 | 21349.79 | 138.17 | 21211.61 | 42561.20 |
| 59 | 2030-05 | 21349.79 | 92.22 | 21257.57 | 21303.63 |
| 60 | 2030-06 | 21349.79 | 46.16 | 21303.63 | 0.00 |
等额本金还款方式：
贷款总额：120万
还款月数：5年
首月还款：22600元
每月递减：43.33元
利息总额：7.93万
本息合计：127.93万
节省利息：1687.23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 | 22600.00 | 2600.00 | 20000.00 | 1180000.00 |
| 2 | 2025-08 | 22556.67 | 2556.67 | 20000.00 | 1160000.00 |
| 3 | 2025-09 | 22513.33 | 2513.33 | 20000.00 | 1140000.00 |
| 4 | 2025-10 | 22470.00 | 2470.00 | 20000.00 | 1120000.00 |
| 5 | 2025-11 | 22426.67 | 2426.67 | 20000.00 | 1100000.00 |
| 6 | 2025-12 | 22383.33 | 2383.33 | 20000.00 | 1080000.00 |
| 7 | 2026-01 | 22340.00 | 2340.00 | 20000.00 | 1060000.00 |
| 8 | 2026-02 | 22296.67 | 2296.67 | 20000.00 | 1040000.00 |
| 9 | 2026-03 | 22253.33 | 2253.33 | 20000.00 | 1020000.00 |
| 10 | 2026-04 | 22210.00 | 2210.00 | 20000.00 | 1000000.00 |
| 11 | 2026-05 | 22166.67 | 2166.67 | 20000.00 | 980000.00 |
| 12 | 2026-06 | 22123.33 | 2123.33 | 20000.00 | 960000.00 |
| 13 | 2026-07 | 22080.00 | 2080.00 | 20000.00 | 940000.00 |
| 14 | 2026-08 | 22036.67 | 2036.67 | 20000.00 | 920000.00 |
| 15 | 2026-09 | 21993.33 | 1993.33 | 20000.00 | 900000.00 |
| 16 | 2026-10 | 21950.00 | 1950.00 | 20000.00 | 880000.00 |
| 17 | 2026-11 | 21906.67 | 1906.67 | 20000.00 | 860000.00 |
| 18 | 2026-12 | 21863.33 | 1863.33 | 20000.00 | 840000.00 |
| 19 | 2027-01 | 21820.00 | 1820.00 | 20000.00 | 820000.00 |
| 20 | 2027-02 | 21776.67 | 1776.67 | 20000.00 | 800000.00 |
| 21 | 2027-03 | 21733.33 | 1733.33 | 20000.00 | 780000.00 |
| 22 | 2027-04 | 21690.00 | 1690.00 | 20000.00 | 760000.00 |
| 23 | 2027-05 | 21646.67 | 1646.67 | 20000.00 | 740000.00 |
| 24 | 2027-06 | 21603.33 | 1603.33 | 20000.00 | 720000.00 |
| 25 | 2027-07 | 21560.00 | 1560.00 | 20000.00 | 700000.00 |
| 26 | 2027-08 | 21516.67 | 1516.67 | 20000.00 | 680000.00 |
| 27 | 2027-09 | 21473.33 | 1473.33 | 20000.00 | 660000.00 |
| 28 | 2027-10 | 21430.00 | 1430.00 | 20000.00 | 640000.00 |
| 29 | 2027-11 | 21386.67 | 1386.67 | 20000.00 | 620000.00 |
| 30 | 2027-12 | 21343.33 | 1343.33 | 20000.00 | 600000.00 |
| 31 | 2028-01 | 21300.00 | 1300.00 | 20000.00 | 580000.00 |
| 32 | 2028-02 | 21256.67 | 1256.67 | 20000.00 | 560000.00 |
| 33 | 2028-03 | 21213.33 | 1213.33 | 20000.00 | 540000.00 |
| 34 | 2028-04 | 21170.00 | 1170.00 | 20000.00 | 520000.00 |
| 35 | 2028-05 | 21126.67 | 1126.67 | 20000.00 | 500000.00 |
| 36 | 2028-06 | 21083.33 | 1083.33 | 20000.00 | 480000.00 |
| 37 | 2028-07 | 21040.00 | 1040.00 | 20000.00 | 460000.00 |
| 38 | 2028-08 | 20996.67 | 996.67 | 20000.00 | 440000.00 |
| 39 | 2028-09 | 20953.33 | 953.33 | 20000.00 | 420000.00 |
| 40 | 2028-10 | 20910.00 | 910.00 | 20000.00 | 400000.00 |
| 41 | 2028-11 | 20866.67 | 866.67 | 20000.00 | 380000.00 |
| 42 | 2028-12 | 20823.33 | 823.33 | 20000.00 | 360000.00 |
| 43 | 2029-01 | 20780.00 | 780.00 | 20000.00 | 340000.00 |
| 44 | 2029-02 | 20736.67 | 736.67 | 20000.00 | 320000.00 |
| 45 | 2029-03 | 20693.33 | 693.33 | 20000.00 | 300000.00 |
| 46 | 2029-04 | 20650.00 | 650.00 | 20000.00 | 280000.00 |
| 47 | 2029-05 | 20606.67 | 606.67 | 20000.00 | 260000.00 |
| 48 | 2029-06 | 20563.33 | 563.33 | 20000.00 | 240000.00 |
| 49 | 2029-07 | 20520.00 | 520.00 | 20000.00 | 220000.00 |
| 50 | 2029-08 | 20476.67 | 476.67 | 20000.00 | 200000.00 |
| 51 | 2029-09 | 20433.33 | 433.33 | 20000.00 | 180000.00 |
| 52 | 2029-10 | 20390.00 | 390.00 | 20000.00 | 160000.00 |
| 53 | 2029-11 | 20346.67 | 346.67 | 20000.00 | 140000.00 |
| 54 | 2029-12 | 20303.33 | 303.33 | 20000.00 | 120000.00 |
| 55 | 2030-01 | 20260.00 | 260.00 | 20000.00 | 100000.00 |
| 56 | 2030-02 | 20216.67 | 216.67 | 20000.00 | 80000.00 |
| 57 | 2030-03 | 20173.33 | 173.33 | 20000.00 | 60000.00 |
| 58 | 2030-04 | 20130.00 | 130.00 | 20000.00 | 40000.00 |
| 59 | 2030-05 | 20086.67 | 86.67 | 20000.00 | 20000.00 |
| 60 | 2030-06 | 20043.33 | 43.33 | 20000.00 | 0.00 |