广西贷款120万（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：120万
还款月数：5年
每月还款：21696元
利息总额：10.18万
本息合计：130.18万
| 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 | 21696.00 | 3250.00 | 18446.00 | 1181554.00 |
| 2 | 2025-09 | 21696.00 | 3200.04 | 18495.96 | 1163058.04 |
| 3 | 2025-10 | 21696.00 | 3149.95 | 18546.05 | 1144511.98 |
| 4 | 2025-11 | 21696.00 | 3099.72 | 18596.28 | 1125915.70 |
| 5 | 2025-12 | 21696.00 | 3049.36 | 18646.65 | 1107269.05 |
| 6 | 2026-01 | 21696.00 | 2998.85 | 18697.15 | 1088571.90 |
| 7 | 2026-02 | 21696.00 | 2948.22 | 18747.79 | 1069824.12 |
| 8 | 2026-03 | 21696.00 | 2897.44 | 18798.56 | 1051025.55 |
| 9 | 2026-04 | 21696.00 | 2846.53 | 18849.48 | 1032176.08 |
| 10 | 2026-05 | 21696.00 | 2795.48 | 18900.53 | 1013275.55 |
| 11 | 2026-06 | 21696.00 | 2744.29 | 18951.71 | 994323.84 |
| 12 | 2026-07 | 21696.00 | 2692.96 | 19003.04 | 975320.79 |
| 13 | 2026-08 | 21696.00 | 2641.49 | 19054.51 | 956266.29 |
| 14 | 2026-09 | 21696.00 | 2589.89 | 19106.11 | 937160.17 |
| 15 | 2026-10 | 21696.00 | 2538.14 | 19157.86 | 918002.31 |
| 16 | 2026-11 | 21696.00 | 2486.26 | 19209.75 | 898792.56 |
| 17 | 2026-12 | 21696.00 | 2434.23 | 19261.77 | 879530.79 |
| 18 | 2027-01 | 21696.00 | 2382.06 | 19313.94 | 860216.85 |
| 19 | 2027-02 | 21696.00 | 2329.75 | 19366.25 | 840850.60 |
| 20 | 2027-03 | 21696.00 | 2277.30 | 19418.70 | 821431.90 |
| 21 | 2027-04 | 21696.00 | 2224.71 | 19471.29 | 801960.61 |
| 22 | 2027-05 | 21696.00 | 2171.98 | 19524.03 | 782436.59 |
| 23 | 2027-06 | 21696.00 | 2119.10 | 19576.90 | 762859.68 |
| 24 | 2027-07 | 21696.00 | 2066.08 | 19629.92 | 743229.76 |
| 25 | 2027-08 | 21696.00 | 2012.91 | 19683.09 | 723546.67 |
| 26 | 2027-09 | 21696.00 | 1959.61 | 19736.40 | 703810.27 |
| 27 | 2027-10 | 21696.00 | 1906.15 | 19789.85 | 684020.42 |
| 28 | 2027-11 | 21696.00 | 1852.56 | 19843.45 | 664176.97 |
| 29 | 2027-12 | 21696.00 | 1798.81 | 19897.19 | 644279.78 |
| 30 | 2028-01 | 21696.00 | 1744.92 | 19951.08 | 624328.71 |
| 31 | 2028-02 | 21696.00 | 1690.89 | 20005.11 | 604323.59 |
| 32 | 2028-03 | 21696.00 | 1636.71 | 20059.29 | 584264.30 |
| 33 | 2028-04 | 21696.00 | 1582.38 | 20113.62 | 564150.68 |
| 34 | 2028-05 | 21696.00 | 1527.91 | 20168.09 | 543982.58 |
| 35 | 2028-06 | 21696.00 | 1473.29 | 20222.72 | 523759.87 |
| 36 | 2028-07 | 21696.00 | 1418.52 | 20277.49 | 503482.38 |
| 37 | 2028-08 | 21696.00 | 1363.60 | 20332.40 | 483149.98 |
| 38 | 2028-09 | 21696.00 | 1308.53 | 20387.47 | 462762.51 |
| 39 | 2028-10 | 21696.00 | 1253.32 | 20442.69 | 442319.82 |
| 40 | 2028-11 | 21696.00 | 1197.95 | 20498.05 | 421821.76 |
| 41 | 2028-12 | 21696.00 | 1142.43 | 20553.57 | 401268.20 |
| 42 | 2029-01 | 21696.00 | 1086.77 | 20609.23 | 380658.96 |
| 43 | 2029-02 | 21696.00 | 1030.95 | 20665.05 | 359993.91 |
| 44 | 2029-03 | 21696.00 | 974.98 | 20721.02 | 339272.89 |
| 45 | 2029-04 | 21696.00 | 918.86 | 20777.14 | 318495.75 |
| 46 | 2029-05 | 21696.00 | 862.59 | 20833.41 | 297662.34 |
| 47 | 2029-06 | 21696.00 | 806.17 | 20889.83 | 276772.51 |
| 48 | 2029-07 | 21696.00 | 749.59 | 20946.41 | 255826.10 |
| 49 | 2029-08 | 21696.00 | 692.86 | 21003.14 | 234822.96 |
| 50 | 2029-09 | 21696.00 | 635.98 | 21060.02 | 213762.93 |
| 51 | 2029-10 | 21696.00 | 578.94 | 21117.06 | 192645.87 |
| 52 | 2029-11 | 21696.00 | 521.75 | 21174.25 | 171471.62 |
| 53 | 2029-12 | 21696.00 | 464.40 | 21231.60 | 150240.02 |
| 54 | 2030-01 | 21696.00 | 406.90 | 21289.10 | 128950.91 |
| 55 | 2030-02 | 21696.00 | 349.24 | 21346.76 | 107604.15 |
| 56 | 2030-03 | 21696.00 | 291.43 | 21404.57 | 86199.58 |
| 57 | 2030-04 | 21696.00 | 233.46 | 21462.55 | 64737.03 |
| 58 | 2030-05 | 21696.00 | 175.33 | 21520.67 | 43216.36 |
| 59 | 2030-06 | 21696.00 | 117.04 | 21578.96 | 21637.40 |
| 60 | 2030-07 | 21696.00 | 58.60 | 21637.40 | 0.00 |
等额本金还款方式：
贷款总额：120万
还款月数：5年
首月还款：23250元
每月递减：54.17元
利息总额：9.91万
本息合计：129.91万
节省利息：2635.17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 | 23250.00 | 3250.00 | 20000.00 | 1180000.00 |
| 2 | 2025-09 | 23195.83 | 3195.83 | 20000.00 | 1160000.00 |
| 3 | 2025-10 | 23141.67 | 3141.67 | 20000.00 | 1140000.00 |
| 4 | 2025-11 | 23087.50 | 3087.50 | 20000.00 | 1120000.00 |
| 5 | 2025-12 | 23033.33 | 3033.33 | 20000.00 | 1100000.00 |
| 6 | 2026-01 | 22979.17 | 2979.17 | 20000.00 | 1080000.00 |
| 7 | 2026-02 | 22925.00 | 2925.00 | 20000.00 | 1060000.00 |
| 8 | 2026-03 | 22870.83 | 2870.83 | 20000.00 | 1040000.00 |
| 9 | 2026-04 | 22816.67 | 2816.67 | 20000.00 | 1020000.00 |
| 10 | 2026-05 | 22762.50 | 2762.50 | 20000.00 | 1000000.00 |
| 11 | 2026-06 | 22708.33 | 2708.33 | 20000.00 | 980000.00 |
| 12 | 2026-07 | 22654.17 | 2654.17 | 20000.00 | 960000.00 |
| 13 | 2026-08 | 22600.00 | 2600.00 | 20000.00 | 940000.00 |
| 14 | 2026-09 | 22545.83 | 2545.83 | 20000.00 | 920000.00 |
| 15 | 2026-10 | 22491.67 | 2491.67 | 20000.00 | 900000.00 |
| 16 | 2026-11 | 22437.50 | 2437.50 | 20000.00 | 880000.00 |
| 17 | 2026-12 | 22383.33 | 2383.33 | 20000.00 | 860000.00 |
| 18 | 2027-01 | 22329.17 | 2329.17 | 20000.00 | 840000.00 |
| 19 | 2027-02 | 22275.00 | 2275.00 | 20000.00 | 820000.00 |
| 20 | 2027-03 | 22220.83 | 2220.83 | 20000.00 | 800000.00 |
| 21 | 2027-04 | 22166.67 | 2166.67 | 20000.00 | 780000.00 |
| 22 | 2027-05 | 22112.50 | 2112.50 | 20000.00 | 760000.00 |
| 23 | 2027-06 | 22058.33 | 2058.33 | 20000.00 | 740000.00 |
| 24 | 2027-07 | 22004.17 | 2004.17 | 20000.00 | 720000.00 |
| 25 | 2027-08 | 21950.00 | 1950.00 | 20000.00 | 700000.00 |
| 26 | 2027-09 | 21895.83 | 1895.83 | 20000.00 | 680000.00 |
| 27 | 2027-10 | 21841.67 | 1841.67 | 20000.00 | 660000.00 |
| 28 | 2027-11 | 21787.50 | 1787.50 | 20000.00 | 640000.00 |
| 29 | 2027-12 | 21733.33 | 1733.33 | 20000.00 | 620000.00 |
| 30 | 2028-01 | 21679.17 | 1679.17 | 20000.00 | 600000.00 |
| 31 | 2028-02 | 21625.00 | 1625.00 | 20000.00 | 580000.00 |
| 32 | 2028-03 | 21570.83 | 1570.83 | 20000.00 | 560000.00 |
| 33 | 2028-04 | 21516.67 | 1516.67 | 20000.00 | 540000.00 |
| 34 | 2028-05 | 21462.50 | 1462.50 | 20000.00 | 520000.00 |
| 35 | 2028-06 | 21408.33 | 1408.33 | 20000.00 | 500000.00 |
| 36 | 2028-07 | 21354.17 | 1354.17 | 20000.00 | 480000.00 |
| 37 | 2028-08 | 21300.00 | 1300.00 | 20000.00 | 460000.00 |
| 38 | 2028-09 | 21245.83 | 1245.83 | 20000.00 | 440000.00 |
| 39 | 2028-10 | 21191.67 | 1191.67 | 20000.00 | 420000.00 |
| 40 | 2028-11 | 21137.50 | 1137.50 | 20000.00 | 400000.00 |
| 41 | 2028-12 | 21083.33 | 1083.33 | 20000.00 | 380000.00 |
| 42 | 2029-01 | 21029.17 | 1029.17 | 20000.00 | 360000.00 |
| 43 | 2029-02 | 20975.00 | 975.00 | 20000.00 | 340000.00 |
| 44 | 2029-03 | 20920.83 | 920.83 | 20000.00 | 320000.00 |
| 45 | 2029-04 | 20866.67 | 866.67 | 20000.00 | 300000.00 |
| 46 | 2029-05 | 20812.50 | 812.50 | 20000.00 | 280000.00 |
| 47 | 2029-06 | 20758.33 | 758.33 | 20000.00 | 260000.00 |
| 48 | 2029-07 | 20704.17 | 704.17 | 20000.00 | 240000.00 |
| 49 | 2029-08 | 20650.00 | 650.00 | 20000.00 | 220000.00 |
| 50 | 2029-09 | 20595.83 | 595.83 | 20000.00 | 200000.00 |
| 51 | 2029-10 | 20541.67 | 541.67 | 20000.00 | 180000.00 |
| 52 | 2029-11 | 20487.50 | 487.50 | 20000.00 | 160000.00 |
| 53 | 2029-12 | 20433.33 | 433.33 | 20000.00 | 140000.00 |
| 54 | 2030-01 | 20379.17 | 379.17 | 20000.00 | 120000.00 |
| 55 | 2030-02 | 20325.00 | 325.00 | 20000.00 | 100000.00 |
| 56 | 2030-03 | 20270.83 | 270.83 | 20000.00 | 80000.00 |
| 57 | 2030-04 | 20216.67 | 216.67 | 20000.00 | 60000.00 |
| 58 | 2030-05 | 20162.50 | 162.50 | 20000.00 | 40000.00 |
| 59 | 2030-06 | 20108.33 | 108.33 | 20000.00 | 20000.00 |
| 60 | 2030-07 | 20054.17 | 54.17 | 20000.00 | 0.00 |