贷款78万（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：78万
还款月数：5年
每月还款：13705.8元
利息总额：4.23万
本息合计：82.23万
| 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 | 13705.80 | 1365.00 | 12340.80 | 767659.20 |
| 2 | 2025-09 | 13705.80 | 1343.40 | 12362.40 | 755296.80 |
| 3 | 2025-10 | 13705.80 | 1321.77 | 12384.03 | 742912.76 |
| 4 | 2025-11 | 13705.80 | 1300.10 | 12405.71 | 730507.06 |
| 5 | 2025-12 | 13705.80 | 1278.39 | 12427.42 | 718079.64 |
| 6 | 2026-01 | 13705.80 | 1256.64 | 12449.16 | 705630.48 |
| 7 | 2026-02 | 13705.80 | 1234.85 | 12470.95 | 693159.53 |
| 8 | 2026-03 | 13705.80 | 1213.03 | 12492.77 | 680666.76 |
| 9 | 2026-04 | 13705.80 | 1191.17 | 12514.64 | 668152.12 |
| 10 | 2026-05 | 13705.80 | 1169.27 | 12536.54 | 655615.58 |
| 11 | 2026-06 | 13705.80 | 1147.33 | 12558.48 | 643057.11 |
| 12 | 2026-07 | 13705.80 | 1125.35 | 12580.45 | 630476.66 |
| 13 | 2026-08 | 13705.80 | 1103.33 | 12602.47 | 617874.19 |
| 14 | 2026-09 | 13705.80 | 1081.28 | 12624.52 | 605249.66 |
| 15 | 2026-10 | 13705.80 | 1059.19 | 12646.62 | 592603.05 |
| 16 | 2026-11 | 13705.80 | 1037.06 | 12668.75 | 579934.30 |
| 17 | 2026-12 | 13705.80 | 1014.89 | 12690.92 | 567243.38 |
| 18 | 2027-01 | 13705.80 | 992.68 | 12713.13 | 554530.26 |
| 19 | 2027-02 | 13705.80 | 970.43 | 12735.37 | 541794.88 |
| 20 | 2027-03 | 13705.80 | 948.14 | 12757.66 | 529037.22 |
| 21 | 2027-04 | 13705.80 | 925.82 | 12779.99 | 516257.23 |
| 22 | 2027-05 | 13705.80 | 903.45 | 12802.35 | 503454.88 |
| 23 | 2027-06 | 13705.80 | 881.05 | 12824.76 | 490630.12 |
| 24 | 2027-07 | 13705.80 | 858.60 | 12847.20 | 477782.92 |
| 25 | 2027-08 | 13705.80 | 836.12 | 12869.68 | 464913.24 |
| 26 | 2027-09 | 13705.80 | 813.60 | 12892.20 | 452021.04 |
| 27 | 2027-10 | 13705.80 | 791.04 | 12914.77 | 439106.27 |
| 28 | 2027-11 | 13705.80 | 768.44 | 12937.37 | 426168.90 |
| 29 | 2027-12 | 13705.80 | 745.80 | 12960.01 | 413208.90 |
| 30 | 2028-01 | 13705.80 | 723.12 | 12982.69 | 400226.21 |
| 31 | 2028-02 | 13705.80 | 700.40 | 13005.41 | 387220.80 |
| 32 | 2028-03 | 13705.80 | 677.64 | 13028.17 | 374192.63 |
| 33 | 2028-04 | 13705.80 | 654.84 | 13050.97 | 361141.67 |
| 34 | 2028-05 | 13705.80 | 632.00 | 13073.80 | 348067.86 |
| 35 | 2028-06 | 13705.80 | 609.12 | 13096.68 | 334971.18 |
| 36 | 2028-07 | 13705.80 | 586.20 | 13119.60 | 321851.58 |
| 37 | 2028-08 | 13705.80 | 563.24 | 13142.56 | 308709.01 |
| 38 | 2028-09 | 13705.80 | 540.24 | 13165.56 | 295543.45 |
| 39 | 2028-10 | 13705.80 | 517.20 | 13188.60 | 282354.85 |
| 40 | 2028-11 | 13705.80 | 494.12 | 13211.68 | 269143.17 |
| 41 | 2028-12 | 13705.80 | 471.00 | 13234.80 | 255908.37 |
| 42 | 2029-01 | 13705.80 | 447.84 | 13257.96 | 242650.40 |
| 43 | 2029-02 | 13705.80 | 424.64 | 13281.16 | 229369.24 |
| 44 | 2029-03 | 13705.80 | 401.40 | 13304.41 | 216064.83 |
| 45 | 2029-04 | 13705.80 | 378.11 | 13327.69 | 202737.14 |
| 46 | 2029-05 | 13705.80 | 354.79 | 13351.01 | 189386.13 |
| 47 | 2029-06 | 13705.80 | 331.43 | 13374.38 | 176011.75 |
| 48 | 2029-07 | 13705.80 | 308.02 | 13397.78 | 162613.97 |
| 49 | 2029-08 | 13705.80 | 284.57 | 13421.23 | 149192.74 |
| 50 | 2029-09 | 13705.80 | 261.09 | 13444.72 | 135748.03 |
| 51 | 2029-10 | 13705.80 | 237.56 | 13468.24 | 122279.78 |
| 52 | 2029-11 | 13705.80 | 213.99 | 13491.81 | 108787.97 |
| 53 | 2029-12 | 13705.80 | 190.38 | 13515.42 | 95272.55 |
| 54 | 2030-01 | 13705.80 | 166.73 | 13539.08 | 81733.47 |
| 55 | 2030-02 | 13705.80 | 143.03 | 13562.77 | 68170.70 |
| 56 | 2030-03 | 13705.80 | 119.30 | 13586.50 | 54584.20 |
| 57 | 2030-04 | 13705.80 | 95.52 | 13610.28 | 40973.92 |
| 58 | 2030-05 | 13705.80 | 71.70 | 13634.10 | 27339.82 |
| 59 | 2030-06 | 13705.80 | 47.84 | 13657.96 | 13681.86 |
| 60 | 2030-07 | 13705.80 | 23.94 | 13681.86 | 0.00 |
等额本金还款方式：
贷款总额：78万
还款月数：5年
首月还款：14365元
每月递减：22.75元
利息总额：4.16万
本息合计：82.16万
节省利息：715.67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 | 14365.00 | 1365.00 | 13000.00 | 767000.00 |
| 2 | 2025-09 | 14342.25 | 1342.25 | 13000.00 | 754000.00 |
| 3 | 2025-10 | 14319.50 | 1319.50 | 13000.00 | 741000.00 |
| 4 | 2025-11 | 14296.75 | 1296.75 | 13000.00 | 728000.00 |
| 5 | 2025-12 | 14274.00 | 1274.00 | 13000.00 | 715000.00 |
| 6 | 2026-01 | 14251.25 | 1251.25 | 13000.00 | 702000.00 |
| 7 | 2026-02 | 14228.50 | 1228.50 | 13000.00 | 689000.00 |
| 8 | 2026-03 | 14205.75 | 1205.75 | 13000.00 | 676000.00 |
| 9 | 2026-04 | 14183.00 | 1183.00 | 13000.00 | 663000.00 |
| 10 | 2026-05 | 14160.25 | 1160.25 | 13000.00 | 650000.00 |
| 11 | 2026-06 | 14137.50 | 1137.50 | 13000.00 | 637000.00 |
| 12 | 2026-07 | 14114.75 | 1114.75 | 13000.00 | 624000.00 |
| 13 | 2026-08 | 14092.00 | 1092.00 | 13000.00 | 611000.00 |
| 14 | 2026-09 | 14069.25 | 1069.25 | 13000.00 | 598000.00 |
| 15 | 2026-10 | 14046.50 | 1046.50 | 13000.00 | 585000.00 |
| 16 | 2026-11 | 14023.75 | 1023.75 | 13000.00 | 572000.00 |
| 17 | 2026-12 | 14001.00 | 1001.00 | 13000.00 | 559000.00 |
| 18 | 2027-01 | 13978.25 | 978.25 | 13000.00 | 546000.00 |
| 19 | 2027-02 | 13955.50 | 955.50 | 13000.00 | 533000.00 |
| 20 | 2027-03 | 13932.75 | 932.75 | 13000.00 | 520000.00 |
| 21 | 2027-04 | 13910.00 | 910.00 | 13000.00 | 507000.00 |
| 22 | 2027-05 | 13887.25 | 887.25 | 13000.00 | 494000.00 |
| 23 | 2027-06 | 13864.50 | 864.50 | 13000.00 | 481000.00 |
| 24 | 2027-07 | 13841.75 | 841.75 | 13000.00 | 468000.00 |
| 25 | 2027-08 | 13819.00 | 819.00 | 13000.00 | 455000.00 |
| 26 | 2027-09 | 13796.25 | 796.25 | 13000.00 | 442000.00 |
| 27 | 2027-10 | 13773.50 | 773.50 | 13000.00 | 429000.00 |
| 28 | 2027-11 | 13750.75 | 750.75 | 13000.00 | 416000.00 |
| 29 | 2027-12 | 13728.00 | 728.00 | 13000.00 | 403000.00 |
| 30 | 2028-01 | 13705.25 | 705.25 | 13000.00 | 390000.00 |
| 31 | 2028-02 | 13682.50 | 682.50 | 13000.00 | 377000.00 |
| 32 | 2028-03 | 13659.75 | 659.75 | 13000.00 | 364000.00 |
| 33 | 2028-04 | 13637.00 | 637.00 | 13000.00 | 351000.00 |
| 34 | 2028-05 | 13614.25 | 614.25 | 13000.00 | 338000.00 |
| 35 | 2028-06 | 13591.50 | 591.50 | 13000.00 | 325000.00 |
| 36 | 2028-07 | 13568.75 | 568.75 | 13000.00 | 312000.00 |
| 37 | 2028-08 | 13546.00 | 546.00 | 13000.00 | 299000.00 |
| 38 | 2028-09 | 13523.25 | 523.25 | 13000.00 | 286000.00 |
| 39 | 2028-10 | 13500.50 | 500.50 | 13000.00 | 273000.00 |
| 40 | 2028-11 | 13477.75 | 477.75 | 13000.00 | 260000.00 |
| 41 | 2028-12 | 13455.00 | 455.00 | 13000.00 | 247000.00 |
| 42 | 2029-01 | 13432.25 | 432.25 | 13000.00 | 234000.00 |
| 43 | 2029-02 | 13409.50 | 409.50 | 13000.00 | 221000.00 |
| 44 | 2029-03 | 13386.75 | 386.75 | 13000.00 | 208000.00 |
| 45 | 2029-04 | 13364.00 | 364.00 | 13000.00 | 195000.00 |
| 46 | 2029-05 | 13341.25 | 341.25 | 13000.00 | 182000.00 |
| 47 | 2029-06 | 13318.50 | 318.50 | 13000.00 | 169000.00 |
| 48 | 2029-07 | 13295.75 | 295.75 | 13000.00 | 156000.00 |
| 49 | 2029-08 | 13273.00 | 273.00 | 13000.00 | 143000.00 |
| 50 | 2029-09 | 13250.25 | 250.25 | 13000.00 | 130000.00 |
| 51 | 2029-10 | 13227.50 | 227.50 | 13000.00 | 117000.00 |
| 52 | 2029-11 | 13204.75 | 204.75 | 13000.00 | 104000.00 |
| 53 | 2029-12 | 13182.00 | 182.00 | 13000.00 | 91000.00 |
| 54 | 2030-01 | 13159.25 | 159.25 | 13000.00 | 78000.00 |
| 55 | 2030-02 | 13136.50 | 136.50 | 13000.00 | 65000.00 |
| 56 | 2030-03 | 13113.75 | 113.75 | 13000.00 | 52000.00 |
| 57 | 2030-04 | 13091.00 | 91.00 | 13000.00 | 39000.00 |
| 58 | 2030-05 | 13068.25 | 68.25 | 13000.00 | 26000.00 |
| 59 | 2030-06 | 13045.50 | 45.50 | 13000.00 | 13000.00 |
| 60 | 2030-07 | 13022.75 | 22.75 | 13000.00 | 0.00 |