青岛贷款150万（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：150万
还款月数：5年
每月还款：26621.04元
利息总额：9.73万
本息合计：159.73万
| 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 | 26621.04 | 3125.00 | 23496.04 | 1476503.96 |
| 2 | 2025-09 | 26621.04 | 3076.05 | 23544.99 | 1452958.97 |
| 3 | 2025-10 | 26621.04 | 3027.00 | 23594.04 | 1429364.92 |
| 4 | 2025-11 | 26621.04 | 2977.84 | 23643.20 | 1405721.72 |
| 5 | 2025-12 | 26621.04 | 2928.59 | 23692.46 | 1382029.27 |
| 6 | 2026-01 | 26621.04 | 2879.23 | 23741.81 | 1358287.45 |
| 7 | 2026-02 | 26621.04 | 2829.77 | 23791.28 | 1334496.17 |
| 8 | 2026-03 | 26621.04 | 2780.20 | 23840.84 | 1310655.33 |
| 9 | 2026-04 | 26621.04 | 2730.53 | 23890.51 | 1286764.82 |
| 10 | 2026-05 | 26621.04 | 2680.76 | 23940.28 | 1262824.54 |
| 11 | 2026-06 | 26621.04 | 2630.88 | 23990.16 | 1238834.38 |
| 12 | 2026-07 | 26621.04 | 2580.90 | 24040.14 | 1214794.24 |
| 13 | 2026-08 | 26621.04 | 2530.82 | 24090.22 | 1190704.02 |
| 14 | 2026-09 | 26621.04 | 2480.63 | 24140.41 | 1166563.61 |
| 15 | 2026-10 | 26621.04 | 2430.34 | 24190.70 | 1142372.91 |
| 16 | 2026-11 | 26621.04 | 2379.94 | 24241.10 | 1118131.81 |
| 17 | 2026-12 | 26621.04 | 2329.44 | 24291.60 | 1093840.21 |
| 18 | 2027-01 | 26621.04 | 2278.83 | 24342.21 | 1069498.00 |
| 19 | 2027-02 | 26621.04 | 2228.12 | 24392.92 | 1045105.08 |
| 20 | 2027-03 | 26621.04 | 2177.30 | 24443.74 | 1020661.34 |
| 21 | 2027-04 | 26621.04 | 2126.38 | 24494.66 | 996166.68 |
| 22 | 2027-05 | 26621.04 | 2075.35 | 24545.70 | 971620.98 |
| 23 | 2027-06 | 26621.04 | 2024.21 | 24596.83 | 947024.15 |
| 24 | 2027-07 | 26621.04 | 1972.97 | 24648.08 | 922376.08 |
| 25 | 2027-08 | 26621.04 | 1921.62 | 24699.43 | 897676.65 |
| 26 | 2027-09 | 26621.04 | 1870.16 | 24750.88 | 872925.77 |
| 27 | 2027-10 | 26621.04 | 1818.60 | 24802.45 | 848123.32 |
| 28 | 2027-11 | 26621.04 | 1766.92 | 24854.12 | 823269.20 |
| 29 | 2027-12 | 26621.04 | 1715.14 | 24905.90 | 798363.30 |
| 30 | 2028-01 | 26621.04 | 1663.26 | 24957.79 | 773405.52 |
| 31 | 2028-02 | 26621.04 | 1611.26 | 25009.78 | 748395.74 |
| 32 | 2028-03 | 26621.04 | 1559.16 | 25061.88 | 723333.85 |
| 33 | 2028-04 | 26621.04 | 1506.95 | 25114.10 | 698219.75 |
| 34 | 2028-05 | 26621.04 | 1454.62 | 25166.42 | 673053.34 |
| 35 | 2028-06 | 26621.04 | 1402.19 | 25218.85 | 647834.49 |
| 36 | 2028-07 | 26621.04 | 1349.66 | 25271.39 | 622563.10 |
| 37 | 2028-08 | 26621.04 | 1297.01 | 25324.04 | 597239.07 |
| 38 | 2028-09 | 26621.04 | 1244.25 | 25376.79 | 571862.27 |
| 39 | 2028-10 | 26621.04 | 1191.38 | 25429.66 | 546432.61 |
| 40 | 2028-11 | 26621.04 | 1138.40 | 25482.64 | 520949.97 |
| 41 | 2028-12 | 26621.04 | 1085.31 | 25535.73 | 495414.24 |
| 42 | 2029-01 | 26621.04 | 1032.11 | 25588.93 | 469825.31 |
| 43 | 2029-02 | 26621.04 | 978.80 | 25642.24 | 444183.07 |
| 44 | 2029-03 | 26621.04 | 925.38 | 25695.66 | 418487.41 |
| 45 | 2029-04 | 26621.04 | 871.85 | 25749.19 | 392738.21 |
| 46 | 2029-05 | 26621.04 | 818.20 | 25802.84 | 366935.38 |
| 47 | 2029-06 | 26621.04 | 764.45 | 25856.59 | 341078.78 |
| 48 | 2029-07 | 26621.04 | 710.58 | 25910.46 | 315168.32 |
| 49 | 2029-08 | 26621.04 | 656.60 | 25964.44 | 289203.88 |
| 50 | 2029-09 | 26621.04 | 602.51 | 26018.53 | 263185.34 |
| 51 | 2029-10 | 26621.04 | 548.30 | 26072.74 | 237112.60 |
| 52 | 2029-11 | 26621.04 | 493.98 | 26127.06 | 210985.55 |
| 53 | 2029-12 | 26621.04 | 439.55 | 26181.49 | 184804.06 |
| 54 | 2030-01 | 26621.04 | 385.01 | 26236.03 | 158568.02 |
| 55 | 2030-02 | 26621.04 | 330.35 | 26290.69 | 132277.33 |
| 56 | 2030-03 | 26621.04 | 275.58 | 26345.46 | 105931.87 |
| 57 | 2030-04 | 26621.04 | 220.69 | 26400.35 | 79531.52 |
| 58 | 2030-05 | 26621.04 | 165.69 | 26455.35 | 53076.16 |
| 59 | 2030-06 | 26621.04 | 110.58 | 26510.47 | 26565.70 |
| 60 | 2030-07 | 26621.04 | 55.35 | 26565.70 | 0.00 |
等额本金还款方式：
贷款总额：150万
还款月数：5年
首月还款：28125元
每月递减：52.08元
利息总额：9.53万
本息合计：159.53万
节省利息：1950.04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 | 28125.00 | 3125.00 | 25000.00 | 1475000.00 |
| 2 | 2025-09 | 28072.92 | 3072.92 | 25000.00 | 1450000.00 |
| 3 | 2025-10 | 28020.83 | 3020.83 | 25000.00 | 1425000.00 |
| 4 | 2025-11 | 27968.75 | 2968.75 | 25000.00 | 1400000.00 |
| 5 | 2025-12 | 27916.67 | 2916.67 | 25000.00 | 1375000.00 |
| 6 | 2026-01 | 27864.58 | 2864.58 | 25000.00 | 1350000.00 |
| 7 | 2026-02 | 27812.50 | 2812.50 | 25000.00 | 1325000.00 |
| 8 | 2026-03 | 27760.42 | 2760.42 | 25000.00 | 1300000.00 |
| 9 | 2026-04 | 27708.33 | 2708.33 | 25000.00 | 1275000.00 |
| 10 | 2026-05 | 27656.25 | 2656.25 | 25000.00 | 1250000.00 |
| 11 | 2026-06 | 27604.17 | 2604.17 | 25000.00 | 1225000.00 |
| 12 | 2026-07 | 27552.08 | 2552.08 | 25000.00 | 1200000.00 |
| 13 | 2026-08 | 27500.00 | 2500.00 | 25000.00 | 1175000.00 |
| 14 | 2026-09 | 27447.92 | 2447.92 | 25000.00 | 1150000.00 |
| 15 | 2026-10 | 27395.83 | 2395.83 | 25000.00 | 1125000.00 |
| 16 | 2026-11 | 27343.75 | 2343.75 | 25000.00 | 1100000.00 |
| 17 | 2026-12 | 27291.67 | 2291.67 | 25000.00 | 1075000.00 |
| 18 | 2027-01 | 27239.58 | 2239.58 | 25000.00 | 1050000.00 |
| 19 | 2027-02 | 27187.50 | 2187.50 | 25000.00 | 1025000.00 |
| 20 | 2027-03 | 27135.42 | 2135.42 | 25000.00 | 1000000.00 |
| 21 | 2027-04 | 27083.33 | 2083.33 | 25000.00 | 975000.00 |
| 22 | 2027-05 | 27031.25 | 2031.25 | 25000.00 | 950000.00 |
| 23 | 2027-06 | 26979.17 | 1979.17 | 25000.00 | 925000.00 |
| 24 | 2027-07 | 26927.08 | 1927.08 | 25000.00 | 900000.00 |
| 25 | 2027-08 | 26875.00 | 1875.00 | 25000.00 | 875000.00 |
| 26 | 2027-09 | 26822.92 | 1822.92 | 25000.00 | 850000.00 |
| 27 | 2027-10 | 26770.83 | 1770.83 | 25000.00 | 825000.00 |
| 28 | 2027-11 | 26718.75 | 1718.75 | 25000.00 | 800000.00 |
| 29 | 2027-12 | 26666.67 | 1666.67 | 25000.00 | 775000.00 |
| 30 | 2028-01 | 26614.58 | 1614.58 | 25000.00 | 750000.00 |
| 31 | 2028-02 | 26562.50 | 1562.50 | 25000.00 | 725000.00 |
| 32 | 2028-03 | 26510.42 | 1510.42 | 25000.00 | 700000.00 |
| 33 | 2028-04 | 26458.33 | 1458.33 | 25000.00 | 675000.00 |
| 34 | 2028-05 | 26406.25 | 1406.25 | 25000.00 | 650000.00 |
| 35 | 2028-06 | 26354.17 | 1354.17 | 25000.00 | 625000.00 |
| 36 | 2028-07 | 26302.08 | 1302.08 | 25000.00 | 600000.00 |
| 37 | 2028-08 | 26250.00 | 1250.00 | 25000.00 | 575000.00 |
| 38 | 2028-09 | 26197.92 | 1197.92 | 25000.00 | 550000.00 |
| 39 | 2028-10 | 26145.83 | 1145.83 | 25000.00 | 525000.00 |
| 40 | 2028-11 | 26093.75 | 1093.75 | 25000.00 | 500000.00 |
| 41 | 2028-12 | 26041.67 | 1041.67 | 25000.00 | 475000.00 |
| 42 | 2029-01 | 25989.58 | 989.58 | 25000.00 | 450000.00 |
| 43 | 2029-02 | 25937.50 | 937.50 | 25000.00 | 425000.00 |
| 44 | 2029-03 | 25885.42 | 885.42 | 25000.00 | 400000.00 |
| 45 | 2029-04 | 25833.33 | 833.33 | 25000.00 | 375000.00 |
| 46 | 2029-05 | 25781.25 | 781.25 | 25000.00 | 350000.00 |
| 47 | 2029-06 | 25729.17 | 729.17 | 25000.00 | 325000.00 |
| 48 | 2029-07 | 25677.08 | 677.08 | 25000.00 | 300000.00 |
| 49 | 2029-08 | 25625.00 | 625.00 | 25000.00 | 275000.00 |
| 50 | 2029-09 | 25572.92 | 572.92 | 25000.00 | 250000.00 |
| 51 | 2029-10 | 25520.83 | 520.83 | 25000.00 | 225000.00 |
| 52 | 2029-11 | 25468.75 | 468.75 | 25000.00 | 200000.00 |
| 53 | 2029-12 | 25416.67 | 416.67 | 25000.00 | 175000.00 |
| 54 | 2030-01 | 25364.58 | 364.58 | 25000.00 | 150000.00 |
| 55 | 2030-02 | 25312.50 | 312.50 | 25000.00 | 125000.00 |
| 56 | 2030-03 | 25260.42 | 260.42 | 25000.00 | 100000.00 |
| 57 | 2030-04 | 25208.33 | 208.33 | 25000.00 | 75000.00 |
| 58 | 2030-05 | 25156.25 | 156.25 | 25000.00 | 50000.00 |
| 59 | 2030-06 | 25104.17 | 104.17 | 25000.00 | 25000.00 |
| 60 | 2030-07 | 25052.08 | 52.08 | 25000.00 | 0.00 |