日照贷款5万（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：5万
还款月数：5年
每月还款：904元
利息总额：4240.01元
本息合计：5.42万
| 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 | 904.00 | 135.42 | 768.58 | 49231.42 |
| 2 | 2025-08 | 904.00 | 133.34 | 770.67 | 48460.75 |
| 3 | 2025-09 | 904.00 | 131.25 | 772.75 | 47688.00 |
| 4 | 2025-10 | 904.00 | 129.15 | 774.85 | 46913.15 |
| 5 | 2025-11 | 904.00 | 127.06 | 776.94 | 46136.21 |
| 6 | 2025-12 | 904.00 | 124.95 | 779.05 | 45357.16 |
| 7 | 2026-01 | 904.00 | 122.84 | 781.16 | 44576.00 |
| 8 | 2026-02 | 904.00 | 120.73 | 783.27 | 43792.73 |
| 9 | 2026-03 | 904.00 | 118.61 | 785.39 | 43007.34 |
| 10 | 2026-04 | 904.00 | 116.48 | 787.52 | 42219.81 |
| 11 | 2026-05 | 904.00 | 114.35 | 789.65 | 41430.16 |
| 12 | 2026-06 | 904.00 | 112.21 | 791.79 | 40638.37 |
| 13 | 2026-07 | 904.00 | 110.06 | 793.94 | 39844.43 |
| 14 | 2026-08 | 904.00 | 107.91 | 796.09 | 39048.34 |
| 15 | 2026-09 | 904.00 | 105.76 | 798.24 | 38250.10 |
| 16 | 2026-10 | 904.00 | 103.59 | 800.41 | 37449.69 |
| 17 | 2026-11 | 904.00 | 101.43 | 802.57 | 36647.12 |
| 18 | 2026-12 | 904.00 | 99.25 | 804.75 | 35842.37 |
| 19 | 2027-01 | 904.00 | 97.07 | 806.93 | 35035.44 |
| 20 | 2027-02 | 904.00 | 94.89 | 809.11 | 34226.33 |
| 21 | 2027-03 | 904.00 | 92.70 | 811.30 | 33415.03 |
| 22 | 2027-04 | 904.00 | 90.50 | 813.50 | 32601.52 |
| 23 | 2027-05 | 904.00 | 88.30 | 815.70 | 31785.82 |
| 24 | 2027-06 | 904.00 | 86.09 | 817.91 | 30967.91 |
| 25 | 2027-07 | 904.00 | 83.87 | 820.13 | 30147.78 |
| 26 | 2027-08 | 904.00 | 81.65 | 822.35 | 29325.43 |
| 27 | 2027-09 | 904.00 | 79.42 | 824.58 | 28500.85 |
| 28 | 2027-10 | 904.00 | 77.19 | 826.81 | 27674.04 |
| 29 | 2027-11 | 904.00 | 74.95 | 829.05 | 26844.99 |
| 30 | 2027-12 | 904.00 | 72.71 | 831.29 | 26013.70 |
| 31 | 2028-01 | 904.00 | 70.45 | 833.55 | 25180.15 |
| 32 | 2028-02 | 904.00 | 68.20 | 835.80 | 24344.35 |
| 33 | 2028-03 | 904.00 | 65.93 | 838.07 | 23506.28 |
| 34 | 2028-04 | 904.00 | 63.66 | 840.34 | 22665.94 |
| 35 | 2028-05 | 904.00 | 61.39 | 842.61 | 21823.33 |
| 36 | 2028-06 | 904.00 | 59.10 | 844.90 | 20978.43 |
| 37 | 2028-07 | 904.00 | 56.82 | 847.18 | 20131.25 |
| 38 | 2028-08 | 904.00 | 54.52 | 849.48 | 19281.77 |
| 39 | 2028-09 | 904.00 | 52.22 | 851.78 | 18429.99 |
| 40 | 2028-10 | 904.00 | 49.91 | 854.09 | 17575.91 |
| 41 | 2028-11 | 904.00 | 47.60 | 856.40 | 16719.51 |
| 42 | 2028-12 | 904.00 | 45.28 | 858.72 | 15860.79 |
| 43 | 2029-01 | 904.00 | 42.96 | 861.04 | 14999.75 |
| 44 | 2029-02 | 904.00 | 40.62 | 863.38 | 14136.37 |
| 45 | 2029-03 | 904.00 | 38.29 | 865.71 | 13270.66 |
| 46 | 2029-04 | 904.00 | 35.94 | 868.06 | 12402.60 |
| 47 | 2029-05 | 904.00 | 33.59 | 870.41 | 11532.19 |
| 48 | 2029-06 | 904.00 | 31.23 | 872.77 | 10659.42 |
| 49 | 2029-07 | 904.00 | 28.87 | 875.13 | 9784.29 |
| 50 | 2029-08 | 904.00 | 26.50 | 877.50 | 8906.79 |
| 51 | 2029-09 | 904.00 | 24.12 | 879.88 | 8026.91 |
| 52 | 2029-10 | 904.00 | 21.74 | 882.26 | 7144.65 |
| 53 | 2029-11 | 904.00 | 19.35 | 884.65 | 6260.00 |
| 54 | 2029-12 | 904.00 | 16.95 | 887.05 | 5372.95 |
| 55 | 2030-01 | 904.00 | 14.55 | 889.45 | 4483.51 |
| 56 | 2030-02 | 904.00 | 12.14 | 891.86 | 3591.65 |
| 57 | 2030-03 | 904.00 | 9.73 | 894.27 | 2697.38 |
| 58 | 2030-04 | 904.00 | 7.31 | 896.69 | 1800.68 |
| 59 | 2030-05 | 904.00 | 4.88 | 899.12 | 901.56 |
| 60 | 2030-06 | 904.00 | 2.44 | 901.56 | 0.00 |
等额本金还款方式：
贷款总额：5万
还款月数：5年
首月还款：968.75元
每月递减：2.26元
利息总额：4130.21元
本息合计：5.41万
节省利息：109.8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 | 968.75 | 135.42 | 833.33 | 49166.67 |
| 2 | 2025-08 | 966.49 | 133.16 | 833.33 | 48333.33 |
| 3 | 2025-09 | 964.24 | 130.90 | 833.33 | 47500.00 |
| 4 | 2025-10 | 961.98 | 128.65 | 833.33 | 46666.67 |
| 5 | 2025-11 | 959.72 | 126.39 | 833.33 | 45833.33 |
| 6 | 2025-12 | 957.47 | 124.13 | 833.33 | 45000.00 |
| 7 | 2026-01 | 955.21 | 121.88 | 833.33 | 44166.67 |
| 8 | 2026-02 | 952.95 | 119.62 | 833.33 | 43333.33 |
| 9 | 2026-03 | 950.69 | 117.36 | 833.33 | 42500.00 |
| 10 | 2026-04 | 948.44 | 115.10 | 833.33 | 41666.67 |
| 11 | 2026-05 | 946.18 | 112.85 | 833.33 | 40833.33 |
| 12 | 2026-06 | 943.92 | 110.59 | 833.33 | 40000.00 |
| 13 | 2026-07 | 941.67 | 108.33 | 833.33 | 39166.67 |
| 14 | 2026-08 | 939.41 | 106.08 | 833.33 | 38333.33 |
| 15 | 2026-09 | 937.15 | 103.82 | 833.33 | 37500.00 |
| 16 | 2026-10 | 934.90 | 101.56 | 833.33 | 36666.67 |
| 17 | 2026-11 | 932.64 | 99.31 | 833.33 | 35833.33 |
| 18 | 2026-12 | 930.38 | 97.05 | 833.33 | 35000.00 |
| 19 | 2027-01 | 928.13 | 94.79 | 833.33 | 34166.67 |
| 20 | 2027-02 | 925.87 | 92.53 | 833.33 | 33333.33 |
| 21 | 2027-03 | 923.61 | 90.28 | 833.33 | 32500.00 |
| 22 | 2027-04 | 921.35 | 88.02 | 833.33 | 31666.67 |
| 23 | 2027-05 | 919.10 | 85.76 | 833.33 | 30833.33 |
| 24 | 2027-06 | 916.84 | 83.51 | 833.33 | 30000.00 |
| 25 | 2027-07 | 914.58 | 81.25 | 833.33 | 29166.67 |
| 26 | 2027-08 | 912.33 | 78.99 | 833.33 | 28333.33 |
| 27 | 2027-09 | 910.07 | 76.74 | 833.33 | 27500.00 |
| 28 | 2027-10 | 907.81 | 74.48 | 833.33 | 26666.67 |
| 29 | 2027-11 | 905.56 | 72.22 | 833.33 | 25833.33 |
| 30 | 2027-12 | 903.30 | 69.97 | 833.33 | 25000.00 |
| 31 | 2028-01 | 901.04 | 67.71 | 833.33 | 24166.67 |
| 32 | 2028-02 | 898.78 | 65.45 | 833.33 | 23333.33 |
| 33 | 2028-03 | 896.53 | 63.19 | 833.33 | 22500.00 |
| 34 | 2028-04 | 894.27 | 60.94 | 833.33 | 21666.67 |
| 35 | 2028-05 | 892.01 | 58.68 | 833.33 | 20833.33 |
| 36 | 2028-06 | 889.76 | 56.42 | 833.33 | 20000.00 |
| 37 | 2028-07 | 887.50 | 54.17 | 833.33 | 19166.67 |
| 38 | 2028-08 | 885.24 | 51.91 | 833.33 | 18333.33 |
| 39 | 2028-09 | 882.99 | 49.65 | 833.33 | 17500.00 |
| 40 | 2028-10 | 880.73 | 47.40 | 833.33 | 16666.67 |
| 41 | 2028-11 | 878.47 | 45.14 | 833.33 | 15833.33 |
| 42 | 2028-12 | 876.22 | 42.88 | 833.33 | 15000.00 |
| 43 | 2029-01 | 873.96 | 40.63 | 833.33 | 14166.67 |
| 44 | 2029-02 | 871.70 | 38.37 | 833.33 | 13333.33 |
| 45 | 2029-03 | 869.44 | 36.11 | 833.33 | 12500.00 |
| 46 | 2029-04 | 867.19 | 33.85 | 833.33 | 11666.67 |
| 47 | 2029-05 | 864.93 | 31.60 | 833.33 | 10833.33 |
| 48 | 2029-06 | 862.67 | 29.34 | 833.33 | 10000.00 |
| 49 | 2029-07 | 860.42 | 27.08 | 833.33 | 9166.67 |
| 50 | 2029-08 | 858.16 | 24.83 | 833.33 | 8333.33 |
| 51 | 2029-09 | 855.90 | 22.57 | 833.33 | 7500.00 |
| 52 | 2029-10 | 853.65 | 20.31 | 833.33 | 6666.67 |
| 53 | 2029-11 | 851.39 | 18.06 | 833.33 | 5833.33 |
| 54 | 2029-12 | 849.13 | 15.80 | 833.33 | 5000.00 |
| 55 | 2030-01 | 846.88 | 13.54 | 833.33 | 4166.67 |
| 56 | 2030-02 | 844.62 | 11.28 | 833.33 | 3333.33 |
| 57 | 2030-03 | 842.36 | 9.03 | 833.33 | 2500.00 |
| 58 | 2030-04 | 840.10 | 6.77 | 833.33 | 1666.67 |
| 59 | 2030-05 | 837.85 | 4.51 | 833.33 | 833.33 |
| 60 | 2030-06 | 835.59 | 2.26 | 833.33 | 0.00 |