贷款12万（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：12万
还款月数：5年
每月还款：2121.76元
利息总额：7305.36元
本息合计：12.73万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 2121.76 | 235.00 | 1886.76 | 118113.24 |
| 2 | 2024-07 | 2121.76 | 231.31 | 1890.45 | 116222.79 |
| 3 | 2024-08 | 2121.76 | 227.60 | 1894.15 | 114328.64 |
| 4 | 2024-09 | 2121.76 | 223.89 | 1897.86 | 112430.78 |
| 5 | 2024-10 | 2121.76 | 220.18 | 1901.58 | 110529.20 |
| 6 | 2024-11 | 2121.76 | 216.45 | 1905.30 | 108623.90 |
| 7 | 2024-12 | 2121.76 | 212.72 | 1909.03 | 106714.86 |
| 8 | 2025-01 | 2121.76 | 208.98 | 1912.77 | 104802.09 |
| 9 | 2025-02 | 2121.76 | 205.24 | 1916.52 | 102885.57 |
| 10 | 2025-03 | 2121.76 | 201.48 | 1920.27 | 100965.30 |
| 11 | 2025-04 | 2121.76 | 197.72 | 1924.03 | 99041.27 |
| 12 | 2025-05 | 2121.76 | 193.96 | 1927.80 | 97113.47 |
| 13 | 2025-06 | 2121.76 | 190.18 | 1931.58 | 95181.89 |
| 14 | 2025-07 | 2121.76 | 186.40 | 1935.36 | 93246.53 |
| 15 | 2025-08 | 2121.76 | 182.61 | 1939.15 | 91307.38 |
| 16 | 2025-09 | 2121.76 | 178.81 | 1942.95 | 89364.44 |
| 17 | 2025-10 | 2121.76 | 175.01 | 1946.75 | 87417.69 |
| 18 | 2025-11 | 2121.76 | 171.19 | 1950.56 | 85467.13 |
| 19 | 2025-12 | 2121.76 | 167.37 | 1954.38 | 83512.74 |
| 20 | 2026-01 | 2121.76 | 163.55 | 1958.21 | 81554.53 |
| 21 | 2026-02 | 2121.76 | 159.71 | 1962.04 | 79592.49 |
| 22 | 2026-03 | 2121.76 | 155.87 | 1965.89 | 77626.60 |
| 23 | 2026-04 | 2121.76 | 152.02 | 1969.74 | 75656.86 |
| 24 | 2026-05 | 2121.76 | 148.16 | 1973.59 | 73683.27 |
| 25 | 2026-06 | 2121.76 | 144.30 | 1977.46 | 71705.81 |
| 26 | 2026-07 | 2121.76 | 140.42 | 1981.33 | 69724.48 |
| 27 | 2026-08 | 2121.76 | 136.54 | 1985.21 | 67739.26 |
| 28 | 2026-09 | 2121.76 | 132.66 | 1989.10 | 65750.16 |
| 29 | 2026-10 | 2121.76 | 128.76 | 1993.00 | 63757.17 |
| 30 | 2026-11 | 2121.76 | 124.86 | 1996.90 | 61760.27 |
| 31 | 2026-12 | 2121.76 | 120.95 | 2000.81 | 59759.46 |
| 32 | 2027-01 | 2121.76 | 117.03 | 2004.73 | 57754.74 |
| 33 | 2027-02 | 2121.76 | 113.10 | 2008.65 | 55746.08 |
| 34 | 2027-03 | 2121.76 | 109.17 | 2012.59 | 53733.50 |
| 35 | 2027-04 | 2121.76 | 105.23 | 2016.53 | 51716.97 |
| 36 | 2027-05 | 2121.76 | 101.28 | 2020.48 | 49696.49 |
| 37 | 2027-06 | 2121.76 | 97.32 | 2024.43 | 47672.06 |
| 38 | 2027-07 | 2121.76 | 93.36 | 2028.40 | 45643.66 |
| 39 | 2027-08 | 2121.76 | 89.39 | 2032.37 | 43611.29 |
| 40 | 2027-09 | 2121.76 | 85.41 | 2036.35 | 41574.94 |
| 41 | 2027-10 | 2121.76 | 81.42 | 2040.34 | 39534.60 |
| 42 | 2027-11 | 2121.76 | 77.42 | 2044.33 | 37490.27 |
| 43 | 2027-12 | 2121.76 | 73.42 | 2048.34 | 35441.93 |
| 44 | 2028-01 | 2121.76 | 69.41 | 2052.35 | 33389.58 |
| 45 | 2028-02 | 2121.76 | 65.39 | 2056.37 | 31333.21 |
| 46 | 2028-03 | 2121.76 | 61.36 | 2060.40 | 29272.82 |
| 47 | 2028-04 | 2121.76 | 57.33 | 2064.43 | 27208.39 |
| 48 | 2028-05 | 2121.76 | 53.28 | 2068.47 | 25139.91 |
| 49 | 2028-06 | 2121.76 | 49.23 | 2072.52 | 23067.39 |
| 50 | 2028-07 | 2121.76 | 45.17 | 2076.58 | 20990.81 |
| 51 | 2028-08 | 2121.76 | 41.11 | 2080.65 | 18910.16 |
| 52 | 2028-09 | 2121.76 | 37.03 | 2084.72 | 16825.44 |
| 53 | 2028-10 | 2121.76 | 32.95 | 2088.81 | 14736.63 |
| 54 | 2028-11 | 2121.76 | 28.86 | 2092.90 | 12643.73 |
| 55 | 2028-12 | 2121.76 | 24.76 | 2097.00 | 10546.74 |
| 56 | 2029-01 | 2121.76 | 20.65 | 2101.10 | 8445.63 |
| 57 | 2029-02 | 2121.76 | 16.54 | 2105.22 | 6340.42 |
| 58 | 2029-03 | 2121.76 | 12.42 | 2109.34 | 4231.08 |
| 59 | 2029-04 | 2121.76 | 8.29 | 2113.47 | 2117.61 |
| 60 | 2029-05 | 2121.76 | 4.15 | 2117.61 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：5年
首月还款：2235元
每月递减：3.92元
利息总额：7167.5元
本息合计：12.72万
节省利息：137.86元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 2235.00 | 235.00 | 2000.00 | 118000.00 |
| 2 | 2024-07 | 2231.08 | 231.08 | 2000.00 | 116000.00 |
| 3 | 2024-08 | 2227.17 | 227.17 | 2000.00 | 114000.00 |
| 4 | 2024-09 | 2223.25 | 223.25 | 2000.00 | 112000.00 |
| 5 | 2024-10 | 2219.33 | 219.33 | 2000.00 | 110000.00 |
| 6 | 2024-11 | 2215.42 | 215.42 | 2000.00 | 108000.00 |
| 7 | 2024-12 | 2211.50 | 211.50 | 2000.00 | 106000.00 |
| 8 | 2025-01 | 2207.58 | 207.58 | 2000.00 | 104000.00 |
| 9 | 2025-02 | 2203.67 | 203.67 | 2000.00 | 102000.00 |
| 10 | 2025-03 | 2199.75 | 199.75 | 2000.00 | 100000.00 |
| 11 | 2025-04 | 2195.83 | 195.83 | 2000.00 | 98000.00 |
| 12 | 2025-05 | 2191.92 | 191.92 | 2000.00 | 96000.00 |
| 13 | 2025-06 | 2188.00 | 188.00 | 2000.00 | 94000.00 |
| 14 | 2025-07 | 2184.08 | 184.08 | 2000.00 | 92000.00 |
| 15 | 2025-08 | 2180.17 | 180.17 | 2000.00 | 90000.00 |
| 16 | 2025-09 | 2176.25 | 176.25 | 2000.00 | 88000.00 |
| 17 | 2025-10 | 2172.33 | 172.33 | 2000.00 | 86000.00 |
| 18 | 2025-11 | 2168.42 | 168.42 | 2000.00 | 84000.00 |
| 19 | 2025-12 | 2164.50 | 164.50 | 2000.00 | 82000.00 |
| 20 | 2026-01 | 2160.58 | 160.58 | 2000.00 | 80000.00 |
| 21 | 2026-02 | 2156.67 | 156.67 | 2000.00 | 78000.00 |
| 22 | 2026-03 | 2152.75 | 152.75 | 2000.00 | 76000.00 |
| 23 | 2026-04 | 2148.83 | 148.83 | 2000.00 | 74000.00 |
| 24 | 2026-05 | 2144.92 | 144.92 | 2000.00 | 72000.00 |
| 25 | 2026-06 | 2141.00 | 141.00 | 2000.00 | 70000.00 |
| 26 | 2026-07 | 2137.08 | 137.08 | 2000.00 | 68000.00 |
| 27 | 2026-08 | 2133.17 | 133.17 | 2000.00 | 66000.00 |
| 28 | 2026-09 | 2129.25 | 129.25 | 2000.00 | 64000.00 |
| 29 | 2026-10 | 2125.33 | 125.33 | 2000.00 | 62000.00 |
| 30 | 2026-11 | 2121.42 | 121.42 | 2000.00 | 60000.00 |
| 31 | 2026-12 | 2117.50 | 117.50 | 2000.00 | 58000.00 |
| 32 | 2027-01 | 2113.58 | 113.58 | 2000.00 | 56000.00 |
| 33 | 2027-02 | 2109.67 | 109.67 | 2000.00 | 54000.00 |
| 34 | 2027-03 | 2105.75 | 105.75 | 2000.00 | 52000.00 |
| 35 | 2027-04 | 2101.83 | 101.83 | 2000.00 | 50000.00 |
| 36 | 2027-05 | 2097.92 | 97.92 | 2000.00 | 48000.00 |
| 37 | 2027-06 | 2094.00 | 94.00 | 2000.00 | 46000.00 |
| 38 | 2027-07 | 2090.08 | 90.08 | 2000.00 | 44000.00 |
| 39 | 2027-08 | 2086.17 | 86.17 | 2000.00 | 42000.00 |
| 40 | 2027-09 | 2082.25 | 82.25 | 2000.00 | 40000.00 |
| 41 | 2027-10 | 2078.33 | 78.33 | 2000.00 | 38000.00 |
| 42 | 2027-11 | 2074.42 | 74.42 | 2000.00 | 36000.00 |
| 43 | 2027-12 | 2070.50 | 70.50 | 2000.00 | 34000.00 |
| 44 | 2028-01 | 2066.58 | 66.58 | 2000.00 | 32000.00 |
| 45 | 2028-02 | 2062.67 | 62.67 | 2000.00 | 30000.00 |
| 46 | 2028-03 | 2058.75 | 58.75 | 2000.00 | 28000.00 |
| 47 | 2028-04 | 2054.83 | 54.83 | 2000.00 | 26000.00 |
| 48 | 2028-05 | 2050.92 | 50.92 | 2000.00 | 24000.00 |
| 49 | 2028-06 | 2047.00 | 47.00 | 2000.00 | 22000.00 |
| 50 | 2028-07 | 2043.08 | 43.08 | 2000.00 | 20000.00 |
| 51 | 2028-08 | 2039.17 | 39.17 | 2000.00 | 18000.00 |
| 52 | 2028-09 | 2035.25 | 35.25 | 2000.00 | 16000.00 |
| 53 | 2028-10 | 2031.33 | 31.33 | 2000.00 | 14000.00 |
| 54 | 2028-11 | 2027.42 | 27.42 | 2000.00 | 12000.00 |
| 55 | 2028-12 | 2023.50 | 23.50 | 2000.00 | 10000.00 |
| 56 | 2029-01 | 2019.58 | 19.58 | 2000.00 | 8000.00 |
| 57 | 2029-02 | 2015.67 | 15.67 | 2000.00 | 6000.00 |
| 58 | 2029-03 | 2011.75 | 11.75 | 2000.00 | 4000.00 |
| 59 | 2029-04 | 2007.83 | 7.83 | 2000.00 | 2000.00 |
| 60 | 2029-05 | 2003.92 | 3.92 | 2000.00 | 0.00 |