贷款11.6万（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：11.6万
还款月数：5年
每月还款：2063.81元
利息总额：7828.77元
本息合计：12.38万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 2063.81 | 251.33 | 1812.48 | 114187.52 |
| 2 | 2025-09 | 2063.81 | 247.41 | 1816.41 | 112371.11 |
| 3 | 2025-10 | 2063.81 | 243.47 | 1820.34 | 110550.77 |
| 4 | 2025-11 | 2063.81 | 239.53 | 1824.29 | 108726.49 |
| 5 | 2025-12 | 2063.81 | 235.57 | 1828.24 | 106898.25 |
| 6 | 2026-01 | 2063.81 | 231.61 | 1832.20 | 105066.05 |
| 7 | 2026-02 | 2063.81 | 227.64 | 1836.17 | 103229.88 |
| 8 | 2026-03 | 2063.81 | 223.66 | 1840.15 | 101389.73 |
| 9 | 2026-04 | 2063.81 | 219.68 | 1844.14 | 99545.59 |
| 10 | 2026-05 | 2063.81 | 215.68 | 1848.13 | 97697.46 |
| 11 | 2026-06 | 2063.81 | 211.68 | 1852.13 | 95845.33 |
| 12 | 2026-07 | 2063.81 | 207.66 | 1856.15 | 93989.18 |
| 13 | 2026-08 | 2063.81 | 203.64 | 1860.17 | 92129.01 |
| 14 | 2026-09 | 2063.81 | 199.61 | 1864.20 | 90264.81 |
| 15 | 2026-10 | 2063.81 | 195.57 | 1868.24 | 88396.57 |
| 16 | 2026-11 | 2063.81 | 191.53 | 1872.29 | 86524.29 |
| 17 | 2026-12 | 2063.81 | 187.47 | 1876.34 | 84647.94 |
| 18 | 2027-01 | 2063.81 | 183.40 | 1880.41 | 82767.53 |
| 19 | 2027-02 | 2063.81 | 179.33 | 1884.48 | 80883.05 |
| 20 | 2027-03 | 2063.81 | 175.25 | 1888.57 | 78994.48 |
| 21 | 2027-04 | 2063.81 | 171.15 | 1892.66 | 77101.83 |
| 22 | 2027-05 | 2063.81 | 167.05 | 1896.76 | 75205.07 |
| 23 | 2027-06 | 2063.81 | 162.94 | 1900.87 | 73304.20 |
| 24 | 2027-07 | 2063.81 | 158.83 | 1904.99 | 71399.21 |
| 25 | 2027-08 | 2063.81 | 154.70 | 1909.11 | 69490.10 |
| 26 | 2027-09 | 2063.81 | 150.56 | 1913.25 | 67576.85 |
| 27 | 2027-10 | 2063.81 | 146.42 | 1917.40 | 65659.45 |
| 28 | 2027-11 | 2063.81 | 142.26 | 1921.55 | 63737.90 |
| 29 | 2027-12 | 2063.81 | 138.10 | 1925.71 | 61812.19 |
| 30 | 2028-01 | 2063.81 | 133.93 | 1929.89 | 59882.30 |
| 31 | 2028-02 | 2063.81 | 129.74 | 1934.07 | 57948.23 |
| 32 | 2028-03 | 2063.81 | 125.55 | 1938.26 | 56009.97 |
| 33 | 2028-04 | 2063.81 | 121.35 | 1942.46 | 54067.52 |
| 34 | 2028-05 | 2063.81 | 117.15 | 1946.67 | 52120.85 |
| 35 | 2028-06 | 2063.81 | 112.93 | 1950.88 | 50169.97 |
| 36 | 2028-07 | 2063.81 | 108.70 | 1955.11 | 48214.85 |
| 37 | 2028-08 | 2063.81 | 104.47 | 1959.35 | 46255.51 |
| 38 | 2028-09 | 2063.81 | 100.22 | 1963.59 | 44291.91 |
| 39 | 2028-10 | 2063.81 | 95.97 | 1967.85 | 42324.07 |
| 40 | 2028-11 | 2063.81 | 91.70 | 1972.11 | 40351.96 |
| 41 | 2028-12 | 2063.81 | 87.43 | 1976.38 | 38375.57 |
| 42 | 2029-01 | 2063.81 | 83.15 | 1980.67 | 36394.91 |
| 43 | 2029-02 | 2063.81 | 78.86 | 1984.96 | 34409.95 |
| 44 | 2029-03 | 2063.81 | 74.55 | 1989.26 | 32420.69 |
| 45 | 2029-04 | 2063.81 | 70.24 | 1993.57 | 30427.12 |
| 46 | 2029-05 | 2063.81 | 65.93 | 1997.89 | 28429.24 |
| 47 | 2029-06 | 2063.81 | 61.60 | 2002.22 | 26427.02 |
| 48 | 2029-07 | 2063.81 | 57.26 | 2006.55 | 24420.47 |
| 49 | 2029-08 | 2063.81 | 52.91 | 2010.90 | 22409.57 |
| 50 | 2029-09 | 2063.81 | 48.55 | 2015.26 | 20394.31 |
| 51 | 2029-10 | 2063.81 | 44.19 | 2019.63 | 18374.68 |
| 52 | 2029-11 | 2063.81 | 39.81 | 2024.00 | 16350.68 |
| 53 | 2029-12 | 2063.81 | 35.43 | 2028.39 | 14322.29 |
| 54 | 2030-01 | 2063.81 | 31.03 | 2032.78 | 12289.51 |
| 55 | 2030-02 | 2063.81 | 26.63 | 2037.19 | 10252.33 |
| 56 | 2030-03 | 2063.81 | 22.21 | 2041.60 | 8210.73 |
| 57 | 2030-04 | 2063.81 | 17.79 | 2046.02 | 6164.71 |
| 58 | 2030-05 | 2063.81 | 13.36 | 2050.46 | 4114.25 |
| 59 | 2030-06 | 2063.81 | 8.91 | 2054.90 | 2059.35 |
| 60 | 2030-07 | 2063.81 | 4.46 | 2059.35 | 0.00 |
等额本金还款方式：
贷款总额：11.6万
还款月数：5年
首月还款：2184.67元
每月递减：4.19元
利息总额：7665.67元
本息合计：12.37万
节省利息：163.1元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 2184.67 | 251.33 | 1933.33 | 114066.67 |
| 2 | 2025-09 | 2180.48 | 247.14 | 1933.33 | 112133.33 |
| 3 | 2025-10 | 2176.29 | 242.96 | 1933.33 | 110200.00 |
| 4 | 2025-11 | 2172.10 | 238.77 | 1933.33 | 108266.67 |
| 5 | 2025-12 | 2167.91 | 234.58 | 1933.33 | 106333.33 |
| 6 | 2026-01 | 2163.72 | 230.39 | 1933.33 | 104400.00 |
| 7 | 2026-02 | 2159.53 | 226.20 | 1933.33 | 102466.67 |
| 8 | 2026-03 | 2155.34 | 222.01 | 1933.33 | 100533.33 |
| 9 | 2026-04 | 2151.16 | 217.82 | 1933.33 | 98600.00 |
| 10 | 2026-05 | 2146.97 | 213.63 | 1933.33 | 96666.67 |
| 11 | 2026-06 | 2142.78 | 209.44 | 1933.33 | 94733.33 |
| 12 | 2026-07 | 2138.59 | 205.26 | 1933.33 | 92800.00 |
| 13 | 2026-08 | 2134.40 | 201.07 | 1933.33 | 90866.67 |
| 14 | 2026-09 | 2130.21 | 196.88 | 1933.33 | 88933.33 |
| 15 | 2026-10 | 2126.02 | 192.69 | 1933.33 | 87000.00 |
| 16 | 2026-11 | 2121.83 | 188.50 | 1933.33 | 85066.67 |
| 17 | 2026-12 | 2117.64 | 184.31 | 1933.33 | 83133.33 |
| 18 | 2027-01 | 2113.46 | 180.12 | 1933.33 | 81200.00 |
| 19 | 2027-02 | 2109.27 | 175.93 | 1933.33 | 79266.67 |
| 20 | 2027-03 | 2105.08 | 171.74 | 1933.33 | 77333.33 |
| 21 | 2027-04 | 2100.89 | 167.56 | 1933.33 | 75400.00 |
| 22 | 2027-05 | 2096.70 | 163.37 | 1933.33 | 73466.67 |
| 23 | 2027-06 | 2092.51 | 159.18 | 1933.33 | 71533.33 |
| 24 | 2027-07 | 2088.32 | 154.99 | 1933.33 | 69600.00 |
| 25 | 2027-08 | 2084.13 | 150.80 | 1933.33 | 67666.67 |
| 26 | 2027-09 | 2079.94 | 146.61 | 1933.33 | 65733.33 |
| 27 | 2027-10 | 2075.76 | 142.42 | 1933.33 | 63800.00 |
| 28 | 2027-11 | 2071.57 | 138.23 | 1933.33 | 61866.67 |
| 29 | 2027-12 | 2067.38 | 134.04 | 1933.33 | 59933.33 |
| 30 | 2028-01 | 2063.19 | 129.86 | 1933.33 | 58000.00 |
| 31 | 2028-02 | 2059.00 | 125.67 | 1933.33 | 56066.67 |
| 32 | 2028-03 | 2054.81 | 121.48 | 1933.33 | 54133.33 |
| 33 | 2028-04 | 2050.62 | 117.29 | 1933.33 | 52200.00 |
| 34 | 2028-05 | 2046.43 | 113.10 | 1933.33 | 50266.67 |
| 35 | 2028-06 | 2042.24 | 108.91 | 1933.33 | 48333.33 |
| 36 | 2028-07 | 2038.06 | 104.72 | 1933.33 | 46400.00 |
| 37 | 2028-08 | 2033.87 | 100.53 | 1933.33 | 44466.67 |
| 38 | 2028-09 | 2029.68 | 96.34 | 1933.33 | 42533.33 |
| 39 | 2028-10 | 2025.49 | 92.16 | 1933.33 | 40600.00 |
| 40 | 2028-11 | 2021.30 | 87.97 | 1933.33 | 38666.67 |
| 41 | 2028-12 | 2017.11 | 83.78 | 1933.33 | 36733.33 |
| 42 | 2029-01 | 2012.92 | 79.59 | 1933.33 | 34800.00 |
| 43 | 2029-02 | 2008.73 | 75.40 | 1933.33 | 32866.67 |
| 44 | 2029-03 | 2004.54 | 71.21 | 1933.33 | 30933.33 |
| 45 | 2029-04 | 2000.36 | 67.02 | 1933.33 | 29000.00 |
| 46 | 2029-05 | 1996.17 | 62.83 | 1933.33 | 27066.67 |
| 47 | 2029-06 | 1991.98 | 58.64 | 1933.33 | 25133.33 |
| 48 | 2029-07 | 1987.79 | 54.46 | 1933.33 | 23200.00 |
| 49 | 2029-08 | 1983.60 | 50.27 | 1933.33 | 21266.67 |
| 50 | 2029-09 | 1979.41 | 46.08 | 1933.33 | 19333.33 |
| 51 | 2029-10 | 1975.22 | 41.89 | 1933.33 | 17400.00 |
| 52 | 2029-11 | 1971.03 | 37.70 | 1933.33 | 15466.67 |
| 53 | 2029-12 | 1966.84 | 33.51 | 1933.33 | 13533.33 |
| 54 | 2030-01 | 1962.66 | 29.32 | 1933.33 | 11600.00 |
| 55 | 2030-02 | 1958.47 | 25.13 | 1933.33 | 9666.67 |
| 56 | 2030-03 | 1954.28 | 20.94 | 1933.33 | 7733.33 |
| 57 | 2030-04 | 1950.09 | 16.76 | 1933.33 | 5800.00 |
| 58 | 2030-05 | 1945.90 | 12.57 | 1933.33 | 3866.67 |
| 59 | 2030-06 | 1941.71 | 8.38 | 1933.33 | 1933.33 |
| 60 | 2030-07 | 1937.52 | 4.19 | 1933.33 | 0.00 |