贷款15.4万（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：15.4万
还款月数：5年
每月还款：2784.32元
利息总额：1.31万
本息合计：16.71万
| 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 | 2784.32 | 417.08 | 2367.24 | 151632.76 |
| 2 | 2025-09 | 2784.32 | 410.67 | 2373.65 | 149259.11 |
| 3 | 2025-10 | 2784.32 | 404.24 | 2380.08 | 146879.04 |
| 4 | 2025-11 | 2784.32 | 397.80 | 2386.52 | 144492.51 |
| 5 | 2025-12 | 2784.32 | 391.33 | 2392.99 | 142099.53 |
| 6 | 2026-01 | 2784.32 | 384.85 | 2399.47 | 139700.06 |
| 7 | 2026-02 | 2784.32 | 378.35 | 2405.97 | 137294.09 |
| 8 | 2026-03 | 2784.32 | 371.84 | 2412.48 | 134881.61 |
| 9 | 2026-04 | 2784.32 | 365.30 | 2419.02 | 132462.60 |
| 10 | 2026-05 | 2784.32 | 358.75 | 2425.57 | 130037.03 |
| 11 | 2026-06 | 2784.32 | 352.18 | 2432.14 | 127604.89 |
| 12 | 2026-07 | 2784.32 | 345.60 | 2438.72 | 125166.17 |
| 13 | 2026-08 | 2784.32 | 338.99 | 2445.33 | 122720.84 |
| 14 | 2026-09 | 2784.32 | 332.37 | 2451.95 | 120268.89 |
| 15 | 2026-10 | 2784.32 | 325.73 | 2458.59 | 117810.30 |
| 16 | 2026-11 | 2784.32 | 319.07 | 2465.25 | 115345.05 |
| 17 | 2026-12 | 2784.32 | 312.39 | 2471.93 | 112873.12 |
| 18 | 2027-01 | 2784.32 | 305.70 | 2478.62 | 110394.50 |
| 19 | 2027-02 | 2784.32 | 298.99 | 2485.34 | 107909.16 |
| 20 | 2027-03 | 2784.32 | 292.25 | 2492.07 | 105417.09 |
| 21 | 2027-04 | 2784.32 | 285.50 | 2498.82 | 102918.28 |
| 22 | 2027-05 | 2784.32 | 278.74 | 2505.58 | 100412.70 |
| 23 | 2027-06 | 2784.32 | 271.95 | 2512.37 | 97900.33 |
| 24 | 2027-07 | 2784.32 | 265.15 | 2519.17 | 95381.15 |
| 25 | 2027-08 | 2784.32 | 258.32 | 2526.00 | 92855.16 |
| 26 | 2027-09 | 2784.32 | 251.48 | 2532.84 | 90322.32 |
| 27 | 2027-10 | 2784.32 | 244.62 | 2539.70 | 87782.62 |
| 28 | 2027-11 | 2784.32 | 237.74 | 2546.58 | 85236.04 |
| 29 | 2027-12 | 2784.32 | 230.85 | 2553.47 | 82682.57 |
| 30 | 2028-01 | 2784.32 | 223.93 | 2560.39 | 80122.18 |
| 31 | 2028-02 | 2784.32 | 217.00 | 2567.32 | 77554.86 |
| 32 | 2028-03 | 2784.32 | 210.04 | 2574.28 | 74980.59 |
| 33 | 2028-04 | 2784.32 | 203.07 | 2581.25 | 72399.34 |
| 34 | 2028-05 | 2784.32 | 196.08 | 2588.24 | 69811.10 |
| 35 | 2028-06 | 2784.32 | 189.07 | 2595.25 | 67215.85 |
| 36 | 2028-07 | 2784.32 | 182.04 | 2602.28 | 64613.57 |
| 37 | 2028-08 | 2784.32 | 175.00 | 2609.33 | 62004.25 |
| 38 | 2028-09 | 2784.32 | 167.93 | 2616.39 | 59387.85 |
| 39 | 2028-10 | 2784.32 | 160.84 | 2623.48 | 56764.38 |
| 40 | 2028-11 | 2784.32 | 153.74 | 2630.58 | 54133.79 |
| 41 | 2028-12 | 2784.32 | 146.61 | 2637.71 | 51496.09 |
| 42 | 2029-01 | 2784.32 | 139.47 | 2644.85 | 48851.23 |
| 43 | 2029-02 | 2784.32 | 132.31 | 2652.01 | 46199.22 |
| 44 | 2029-03 | 2784.32 | 125.12 | 2659.20 | 43540.02 |
| 45 | 2029-04 | 2784.32 | 117.92 | 2666.40 | 40873.62 |
| 46 | 2029-05 | 2784.32 | 110.70 | 2673.62 | 38200.00 |
| 47 | 2029-06 | 2784.32 | 103.46 | 2680.86 | 35519.14 |
| 48 | 2029-07 | 2784.32 | 96.20 | 2688.12 | 32831.02 |
| 49 | 2029-08 | 2784.32 | 88.92 | 2695.40 | 30135.61 |
| 50 | 2029-09 | 2784.32 | 81.62 | 2702.70 | 27432.91 |
| 51 | 2029-10 | 2784.32 | 74.30 | 2710.02 | 24722.89 |
| 52 | 2029-11 | 2784.32 | 66.96 | 2717.36 | 22005.52 |
| 53 | 2029-12 | 2784.32 | 59.60 | 2724.72 | 19280.80 |
| 54 | 2030-01 | 2784.32 | 52.22 | 2732.10 | 16548.70 |
| 55 | 2030-02 | 2784.32 | 44.82 | 2739.50 | 13809.20 |
| 56 | 2030-03 | 2784.32 | 37.40 | 2746.92 | 11062.28 |
| 57 | 2030-04 | 2784.32 | 29.96 | 2754.36 | 8307.92 |
| 58 | 2030-05 | 2784.32 | 22.50 | 2761.82 | 5546.10 |
| 59 | 2030-06 | 2784.32 | 15.02 | 2769.30 | 2776.80 |
| 60 | 2030-07 | 2784.32 | 7.52 | 2776.80 | 0.00 |
等额本金还款方式：
贷款总额：15.4万
还款月数：5年
首月还款：2983.75元
每月递减：6.95元
利息总额：1.27万
本息合计：16.67万
节省利息：338.18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 | 2983.75 | 417.08 | 2566.67 | 151433.33 |
| 2 | 2025-09 | 2976.80 | 410.13 | 2566.67 | 148866.67 |
| 3 | 2025-10 | 2969.85 | 403.18 | 2566.67 | 146300.00 |
| 4 | 2025-11 | 2962.90 | 396.23 | 2566.67 | 143733.33 |
| 5 | 2025-12 | 2955.94 | 389.28 | 2566.67 | 141166.67 |
| 6 | 2026-01 | 2948.99 | 382.33 | 2566.67 | 138600.00 |
| 7 | 2026-02 | 2942.04 | 375.38 | 2566.67 | 136033.33 |
| 8 | 2026-03 | 2935.09 | 368.42 | 2566.67 | 133466.67 |
| 9 | 2026-04 | 2928.14 | 361.47 | 2566.67 | 130900.00 |
| 10 | 2026-05 | 2921.19 | 354.52 | 2566.67 | 128333.33 |
| 11 | 2026-06 | 2914.24 | 347.57 | 2566.67 | 125766.67 |
| 12 | 2026-07 | 2907.28 | 340.62 | 2566.67 | 123200.00 |
| 13 | 2026-08 | 2900.33 | 333.67 | 2566.67 | 120633.33 |
| 14 | 2026-09 | 2893.38 | 326.72 | 2566.67 | 118066.67 |
| 15 | 2026-10 | 2886.43 | 319.76 | 2566.67 | 115500.00 |
| 16 | 2026-11 | 2879.48 | 312.81 | 2566.67 | 112933.33 |
| 17 | 2026-12 | 2872.53 | 305.86 | 2566.67 | 110366.67 |
| 18 | 2027-01 | 2865.58 | 298.91 | 2566.67 | 107800.00 |
| 19 | 2027-02 | 2858.63 | 291.96 | 2566.67 | 105233.33 |
| 20 | 2027-03 | 2851.67 | 285.01 | 2566.67 | 102666.67 |
| 21 | 2027-04 | 2844.72 | 278.06 | 2566.67 | 100100.00 |
| 22 | 2027-05 | 2837.77 | 271.10 | 2566.67 | 97533.33 |
| 23 | 2027-06 | 2830.82 | 264.15 | 2566.67 | 94966.67 |
| 24 | 2027-07 | 2823.87 | 257.20 | 2566.67 | 92400.00 |
| 25 | 2027-08 | 2816.92 | 250.25 | 2566.67 | 89833.33 |
| 26 | 2027-09 | 2809.97 | 243.30 | 2566.67 | 87266.67 |
| 27 | 2027-10 | 2803.01 | 236.35 | 2566.67 | 84700.00 |
| 28 | 2027-11 | 2796.06 | 229.40 | 2566.67 | 82133.33 |
| 29 | 2027-12 | 2789.11 | 222.44 | 2566.67 | 79566.67 |
| 30 | 2028-01 | 2782.16 | 215.49 | 2566.67 | 77000.00 |
| 31 | 2028-02 | 2775.21 | 208.54 | 2566.67 | 74433.33 |
| 32 | 2028-03 | 2768.26 | 201.59 | 2566.67 | 71866.67 |
| 33 | 2028-04 | 2761.31 | 194.64 | 2566.67 | 69300.00 |
| 34 | 2028-05 | 2754.35 | 187.69 | 2566.67 | 66733.33 |
| 35 | 2028-06 | 2747.40 | 180.74 | 2566.67 | 64166.67 |
| 36 | 2028-07 | 2740.45 | 173.78 | 2566.67 | 61600.00 |
| 37 | 2028-08 | 2733.50 | 166.83 | 2566.67 | 59033.33 |
| 38 | 2028-09 | 2726.55 | 159.88 | 2566.67 | 56466.67 |
| 39 | 2028-10 | 2719.60 | 152.93 | 2566.67 | 53900.00 |
| 40 | 2028-11 | 2712.65 | 145.98 | 2566.67 | 51333.33 |
| 41 | 2028-12 | 2705.69 | 139.03 | 2566.67 | 48766.67 |
| 42 | 2029-01 | 2698.74 | 132.08 | 2566.67 | 46200.00 |
| 43 | 2029-02 | 2691.79 | 125.13 | 2566.67 | 43633.33 |
| 44 | 2029-03 | 2684.84 | 118.17 | 2566.67 | 41066.67 |
| 45 | 2029-04 | 2677.89 | 111.22 | 2566.67 | 38500.00 |
| 46 | 2029-05 | 2670.94 | 104.27 | 2566.67 | 35933.33 |
| 47 | 2029-06 | 2663.99 | 97.32 | 2566.67 | 33366.67 |
| 48 | 2029-07 | 2657.03 | 90.37 | 2566.67 | 30800.00 |
| 49 | 2029-08 | 2650.08 | 83.42 | 2566.67 | 28233.33 |
| 50 | 2029-09 | 2643.13 | 76.47 | 2566.67 | 25666.67 |
| 51 | 2029-10 | 2636.18 | 69.51 | 2566.67 | 23100.00 |
| 52 | 2029-11 | 2629.23 | 62.56 | 2566.67 | 20533.33 |
| 53 | 2029-12 | 2622.28 | 55.61 | 2566.67 | 17966.67 |
| 54 | 2030-01 | 2615.33 | 48.66 | 2566.67 | 15400.00 |
| 55 | 2030-02 | 2608.38 | 41.71 | 2566.67 | 12833.33 |
| 56 | 2030-03 | 2601.42 | 34.76 | 2566.67 | 10266.67 |
| 57 | 2030-04 | 2594.47 | 27.81 | 2566.67 | 7700.00 |
| 58 | 2030-05 | 2587.52 | 20.85 | 2566.67 | 5133.33 |
| 59 | 2030-06 | 2580.57 | 13.90 | 2566.67 | 2566.67 |
| 60 | 2030-07 | 2573.62 | 6.95 | 2566.67 | 0.00 |