广州贷款60万（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：60万
还款月数：5年
每月还款：10542.93元
利息总额：3.26万
本息合计：63.26万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 10542.93 | 1050.00 | 9492.93 | 590507.07 |
| 2 | 2025-11 | 10542.93 | 1033.39 | 9509.54 | 580997.54 |
| 3 | 2025-12 | 10542.93 | 1016.75 | 9526.18 | 571471.36 |
| 4 | 2026-01 | 10542.93 | 1000.07 | 9542.85 | 561928.51 |
| 5 | 2026-02 | 10542.93 | 983.37 | 9559.55 | 552368.96 |
| 6 | 2026-03 | 10542.93 | 966.65 | 9576.28 | 542792.68 |
| 7 | 2026-04 | 10542.93 | 949.89 | 9593.04 | 533199.64 |
| 8 | 2026-05 | 10542.93 | 933.10 | 9609.83 | 523589.81 |
| 9 | 2026-06 | 10542.93 | 916.28 | 9626.64 | 513963.17 |
| 10 | 2026-07 | 10542.93 | 899.44 | 9643.49 | 504319.68 |
| 11 | 2026-08 | 10542.93 | 882.56 | 9660.37 | 494659.31 |
| 12 | 2026-09 | 10542.93 | 865.65 | 9677.27 | 484982.04 |
| 13 | 2026-10 | 10542.93 | 848.72 | 9694.21 | 475287.84 |
| 14 | 2026-11 | 10542.93 | 831.75 | 9711.17 | 465576.66 |
| 15 | 2026-12 | 10542.93 | 814.76 | 9728.17 | 455848.50 |
| 16 | 2027-01 | 10542.93 | 797.73 | 9745.19 | 446103.31 |
| 17 | 2027-02 | 10542.93 | 780.68 | 9762.24 | 436341.06 |
| 18 | 2027-03 | 10542.93 | 763.60 | 9779.33 | 426561.74 |
| 19 | 2027-04 | 10542.93 | 746.48 | 9796.44 | 416765.29 |
| 20 | 2027-05 | 10542.93 | 729.34 | 9813.59 | 406951.71 |
| 21 | 2027-06 | 10542.93 | 712.17 | 9830.76 | 397120.95 |
| 22 | 2027-07 | 10542.93 | 694.96 | 9847.96 | 387272.98 |
| 23 | 2027-08 | 10542.93 | 677.73 | 9865.20 | 377407.79 |
| 24 | 2027-09 | 10542.93 | 660.46 | 9882.46 | 367525.33 |
| 25 | 2027-10 | 10542.93 | 643.17 | 9899.76 | 357625.57 |
| 26 | 2027-11 | 10542.93 | 625.84 | 9917.08 | 347708.49 |
| 27 | 2027-12 | 10542.93 | 608.49 | 9934.44 | 337774.05 |
| 28 | 2028-01 | 10542.93 | 591.10 | 9951.82 | 327822.23 |
| 29 | 2028-02 | 10542.93 | 573.69 | 9969.24 | 317853.00 |
| 30 | 2028-03 | 10542.93 | 556.24 | 9986.68 | 307866.31 |
| 31 | 2028-04 | 10542.93 | 538.77 | 10004.16 | 297862.15 |
| 32 | 2028-05 | 10542.93 | 521.26 | 10021.67 | 287840.49 |
| 33 | 2028-06 | 10542.93 | 503.72 | 10039.20 | 277801.28 |
| 34 | 2028-07 | 10542.93 | 486.15 | 10056.77 | 267744.51 |
| 35 | 2028-08 | 10542.93 | 468.55 | 10074.37 | 257670.14 |
| 36 | 2028-09 | 10542.93 | 450.92 | 10092.00 | 247578.14 |
| 37 | 2028-10 | 10542.93 | 433.26 | 10109.66 | 237468.47 |
| 38 | 2028-11 | 10542.93 | 415.57 | 10127.36 | 227341.12 |
| 39 | 2028-12 | 10542.93 | 397.85 | 10145.08 | 217196.04 |
| 40 | 2029-01 | 10542.93 | 380.09 | 10162.83 | 207033.21 |
| 41 | 2029-02 | 10542.93 | 362.31 | 10180.62 | 196852.59 |
| 42 | 2029-03 | 10542.93 | 344.49 | 10198.43 | 186654.16 |
| 43 | 2029-04 | 10542.93 | 326.64 | 10216.28 | 176437.88 |
| 44 | 2029-05 | 10542.93 | 308.77 | 10234.16 | 166203.72 |
| 45 | 2029-06 | 10542.93 | 290.86 | 10252.07 | 155951.65 |
| 46 | 2029-07 | 10542.93 | 272.92 | 10270.01 | 145681.64 |
| 47 | 2029-08 | 10542.93 | 254.94 | 10287.98 | 135393.66 |
| 48 | 2029-09 | 10542.93 | 236.94 | 10305.99 | 125087.67 |
| 49 | 2029-10 | 10542.93 | 218.90 | 10324.02 | 114763.65 |
| 50 | 2029-11 | 10542.93 | 200.84 | 10342.09 | 104421.56 |
| 51 | 2029-12 | 10542.93 | 182.74 | 10360.19 | 94061.37 |
| 52 | 2030-01 | 10542.93 | 164.61 | 10378.32 | 83683.05 |
| 53 | 2030-02 | 10542.93 | 146.45 | 10396.48 | 73286.57 |
| 54 | 2030-03 | 10542.93 | 128.25 | 10414.67 | 62871.90 |
| 55 | 2030-04 | 10542.93 | 110.03 | 10432.90 | 52439.00 |
| 56 | 2030-05 | 10542.93 | 91.77 | 10451.16 | 41987.84 |
| 57 | 2030-06 | 10542.93 | 73.48 | 10469.45 | 31518.40 |
| 58 | 2030-07 | 10542.93 | 55.16 | 10487.77 | 21030.63 |
| 59 | 2030-08 | 10542.93 | 36.80 | 10506.12 | 10524.51 |
| 60 | 2030-09 | 10542.93 | 18.42 | 10524.51 | 0.00 |
等额本金还款方式：
贷款总额：60万
还款月数：5年
首月还款：11050元
每月递减：17.5元
利息总额：3.2万
本息合计：63.2万
节省利息：550.51元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 11050.00 | 1050.00 | 10000.00 | 590000.00 |
| 2 | 2025-11 | 11032.50 | 1032.50 | 10000.00 | 580000.00 |
| 3 | 2025-12 | 11015.00 | 1015.00 | 10000.00 | 570000.00 |
| 4 | 2026-01 | 10997.50 | 997.50 | 10000.00 | 560000.00 |
| 5 | 2026-02 | 10980.00 | 980.00 | 10000.00 | 550000.00 |
| 6 | 2026-03 | 10962.50 | 962.50 | 10000.00 | 540000.00 |
| 7 | 2026-04 | 10945.00 | 945.00 | 10000.00 | 530000.00 |
| 8 | 2026-05 | 10927.50 | 927.50 | 10000.00 | 520000.00 |
| 9 | 2026-06 | 10910.00 | 910.00 | 10000.00 | 510000.00 |
| 10 | 2026-07 | 10892.50 | 892.50 | 10000.00 | 500000.00 |
| 11 | 2026-08 | 10875.00 | 875.00 | 10000.00 | 490000.00 |
| 12 | 2026-09 | 10857.50 | 857.50 | 10000.00 | 480000.00 |
| 13 | 2026-10 | 10840.00 | 840.00 | 10000.00 | 470000.00 |
| 14 | 2026-11 | 10822.50 | 822.50 | 10000.00 | 460000.00 |
| 15 | 2026-12 | 10805.00 | 805.00 | 10000.00 | 450000.00 |
| 16 | 2027-01 | 10787.50 | 787.50 | 10000.00 | 440000.00 |
| 17 | 2027-02 | 10770.00 | 770.00 | 10000.00 | 430000.00 |
| 18 | 2027-03 | 10752.50 | 752.50 | 10000.00 | 420000.00 |
| 19 | 2027-04 | 10735.00 | 735.00 | 10000.00 | 410000.00 |
| 20 | 2027-05 | 10717.50 | 717.50 | 10000.00 | 400000.00 |
| 21 | 2027-06 | 10700.00 | 700.00 | 10000.00 | 390000.00 |
| 22 | 2027-07 | 10682.50 | 682.50 | 10000.00 | 380000.00 |
| 23 | 2027-08 | 10665.00 | 665.00 | 10000.00 | 370000.00 |
| 24 | 2027-09 | 10647.50 | 647.50 | 10000.00 | 360000.00 |
| 25 | 2027-10 | 10630.00 | 630.00 | 10000.00 | 350000.00 |
| 26 | 2027-11 | 10612.50 | 612.50 | 10000.00 | 340000.00 |
| 27 | 2027-12 | 10595.00 | 595.00 | 10000.00 | 330000.00 |
| 28 | 2028-01 | 10577.50 | 577.50 | 10000.00 | 320000.00 |
| 29 | 2028-02 | 10560.00 | 560.00 | 10000.00 | 310000.00 |
| 30 | 2028-03 | 10542.50 | 542.50 | 10000.00 | 300000.00 |
| 31 | 2028-04 | 10525.00 | 525.00 | 10000.00 | 290000.00 |
| 32 | 2028-05 | 10507.50 | 507.50 | 10000.00 | 280000.00 |
| 33 | 2028-06 | 10490.00 | 490.00 | 10000.00 | 270000.00 |
| 34 | 2028-07 | 10472.50 | 472.50 | 10000.00 | 260000.00 |
| 35 | 2028-08 | 10455.00 | 455.00 | 10000.00 | 250000.00 |
| 36 | 2028-09 | 10437.50 | 437.50 | 10000.00 | 240000.00 |
| 37 | 2028-10 | 10420.00 | 420.00 | 10000.00 | 230000.00 |
| 38 | 2028-11 | 10402.50 | 402.50 | 10000.00 | 220000.00 |
| 39 | 2028-12 | 10385.00 | 385.00 | 10000.00 | 210000.00 |
| 40 | 2029-01 | 10367.50 | 367.50 | 10000.00 | 200000.00 |
| 41 | 2029-02 | 10350.00 | 350.00 | 10000.00 | 190000.00 |
| 42 | 2029-03 | 10332.50 | 332.50 | 10000.00 | 180000.00 |
| 43 | 2029-04 | 10315.00 | 315.00 | 10000.00 | 170000.00 |
| 44 | 2029-05 | 10297.50 | 297.50 | 10000.00 | 160000.00 |
| 45 | 2029-06 | 10280.00 | 280.00 | 10000.00 | 150000.00 |
| 46 | 2029-07 | 10262.50 | 262.50 | 10000.00 | 140000.00 |
| 47 | 2029-08 | 10245.00 | 245.00 | 10000.00 | 130000.00 |
| 48 | 2029-09 | 10227.50 | 227.50 | 10000.00 | 120000.00 |
| 49 | 2029-10 | 10210.00 | 210.00 | 10000.00 | 110000.00 |
| 50 | 2029-11 | 10192.50 | 192.50 | 10000.00 | 100000.00 |
| 51 | 2029-12 | 10175.00 | 175.00 | 10000.00 | 90000.00 |
| 52 | 2030-01 | 10157.50 | 157.50 | 10000.00 | 80000.00 |
| 53 | 2030-02 | 10140.00 | 140.00 | 10000.00 | 70000.00 |
| 54 | 2030-03 | 10122.50 | 122.50 | 10000.00 | 60000.00 |
| 55 | 2030-04 | 10105.00 | 105.00 | 10000.00 | 50000.00 |
| 56 | 2030-05 | 10087.50 | 87.50 | 10000.00 | 40000.00 |
| 57 | 2030-06 | 10070.00 | 70.00 | 10000.00 | 30000.00 |
| 58 | 2030-07 | 10052.50 | 52.50 | 10000.00 | 20000.00 |
| 59 | 2030-08 | 10035.00 | 35.00 | 10000.00 | 10000.00 |
| 60 | 2030-09 | 10017.50 | 17.50 | 10000.00 | 0.00 |