南京贷款74万（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：74万
还款月数：5年
每月还款：13165.7元
利息总额：4.99万
本息合计：78.99万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 13165.70 | 1603.33 | 11562.37 | 728437.63 |
| 2 | 2025-10 | 13165.70 | 1578.28 | 11587.42 | 716850.21 |
| 3 | 2025-11 | 13165.70 | 1553.18 | 11612.53 | 705237.68 |
| 4 | 2025-12 | 13165.70 | 1528.01 | 11637.69 | 693600.00 |
| 5 | 2026-01 | 13165.70 | 1502.80 | 11662.90 | 681937.09 |
| 6 | 2026-02 | 13165.70 | 1477.53 | 11688.17 | 670248.92 |
| 7 | 2026-03 | 13165.70 | 1452.21 | 11713.50 | 658535.43 |
| 8 | 2026-04 | 13165.70 | 1426.83 | 11738.88 | 646796.55 |
| 9 | 2026-05 | 13165.70 | 1401.39 | 11764.31 | 635032.24 |
| 10 | 2026-06 | 13165.70 | 1375.90 | 11789.80 | 623242.44 |
| 11 | 2026-07 | 13165.70 | 1350.36 | 11815.34 | 611427.10 |
| 12 | 2026-08 | 13165.70 | 1324.76 | 11840.94 | 599586.16 |
| 13 | 2026-09 | 13165.70 | 1299.10 | 11866.60 | 587719.56 |
| 14 | 2026-10 | 13165.70 | 1273.39 | 11892.31 | 575827.25 |
| 15 | 2026-11 | 13165.70 | 1247.63 | 11918.08 | 563909.17 |
| 16 | 2026-12 | 13165.70 | 1221.80 | 11943.90 | 551965.27 |
| 17 | 2027-01 | 13165.70 | 1195.92 | 11969.78 | 539995.50 |
| 18 | 2027-02 | 13165.70 | 1169.99 | 11995.71 | 527999.78 |
| 19 | 2027-03 | 13165.70 | 1144.00 | 12021.70 | 515978.08 |
| 20 | 2027-04 | 13165.70 | 1117.95 | 12047.75 | 503930.33 |
| 21 | 2027-05 | 13165.70 | 1091.85 | 12073.85 | 491856.48 |
| 22 | 2027-06 | 13165.70 | 1065.69 | 12100.01 | 479756.47 |
| 23 | 2027-07 | 13165.70 | 1039.47 | 12126.23 | 467630.24 |
| 24 | 2027-08 | 13165.70 | 1013.20 | 12152.50 | 455477.73 |
| 25 | 2027-09 | 13165.70 | 986.87 | 12178.83 | 443298.90 |
| 26 | 2027-10 | 13165.70 | 960.48 | 12205.22 | 431093.68 |
| 27 | 2027-11 | 13165.70 | 934.04 | 12231.67 | 418862.01 |
| 28 | 2027-12 | 13165.70 | 907.53 | 12258.17 | 406603.84 |
| 29 | 2028-01 | 13165.70 | 880.97 | 12284.73 | 394319.12 |
| 30 | 2028-02 | 13165.70 | 854.36 | 12311.34 | 382007.77 |
| 31 | 2028-03 | 13165.70 | 827.68 | 12338.02 | 369669.75 |
| 32 | 2028-04 | 13165.70 | 800.95 | 12364.75 | 357305.00 |
| 33 | 2028-05 | 13165.70 | 774.16 | 12391.54 | 344913.46 |
| 34 | 2028-06 | 13165.70 | 747.31 | 12418.39 | 332495.07 |
| 35 | 2028-07 | 13165.70 | 720.41 | 12445.30 | 320049.78 |
| 36 | 2028-08 | 13165.70 | 693.44 | 12472.26 | 307577.52 |
| 37 | 2028-09 | 13165.70 | 666.42 | 12499.28 | 295078.23 |
| 38 | 2028-10 | 13165.70 | 639.34 | 12526.37 | 282551.87 |
| 39 | 2028-11 | 13165.70 | 612.20 | 12553.51 | 269998.36 |
| 40 | 2028-12 | 13165.70 | 585.00 | 12580.71 | 257417.65 |
| 41 | 2029-01 | 13165.70 | 557.74 | 12607.96 | 244809.69 |
| 42 | 2029-02 | 13165.70 | 530.42 | 12635.28 | 232174.41 |
| 43 | 2029-03 | 13165.70 | 503.04 | 12662.66 | 219511.75 |
| 44 | 2029-04 | 13165.70 | 475.61 | 12690.09 | 206821.66 |
| 45 | 2029-05 | 13165.70 | 448.11 | 12717.59 | 194104.07 |
| 46 | 2029-06 | 13165.70 | 420.56 | 12745.14 | 181358.93 |
| 47 | 2029-07 | 13165.70 | 392.94 | 12772.76 | 168586.17 |
| 48 | 2029-08 | 13165.70 | 365.27 | 12800.43 | 155785.74 |
| 49 | 2029-09 | 13165.70 | 337.54 | 12828.17 | 142957.57 |
| 50 | 2029-10 | 13165.70 | 309.74 | 12855.96 | 130101.61 |
| 51 | 2029-11 | 13165.70 | 281.89 | 12883.82 | 117217.79 |
| 52 | 2029-12 | 13165.70 | 253.97 | 12911.73 | 104306.06 |
| 53 | 2030-01 | 13165.70 | 226.00 | 12939.71 | 91366.36 |
| 54 | 2030-02 | 13165.70 | 197.96 | 12967.74 | 78398.62 |
| 55 | 2030-03 | 13165.70 | 169.86 | 12995.84 | 65402.78 |
| 56 | 2030-04 | 13165.70 | 141.71 | 13024.00 | 52378.78 |
| 57 | 2030-05 | 13165.70 | 113.49 | 13052.21 | 39326.57 |
| 58 | 2030-06 | 13165.70 | 85.21 | 13080.49 | 26246.07 |
| 59 | 2030-07 | 13165.70 | 56.87 | 13108.84 | 13137.24 |
| 60 | 2030-08 | 13165.70 | 28.46 | 13137.24 | 0.00 |
等额本金还款方式：
贷款总额：74万
还款月数：5年
首月还款：13936.67元
每月递减：26.72元
利息总额：4.89万
本息合计：78.89万
节省利息：1040.46元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 13936.67 | 1603.33 | 12333.33 | 727666.67 |
| 2 | 2025-10 | 13909.94 | 1576.61 | 12333.33 | 715333.33 |
| 3 | 2025-11 | 13883.22 | 1549.89 | 12333.33 | 703000.00 |
| 4 | 2025-12 | 13856.50 | 1523.17 | 12333.33 | 690666.67 |
| 5 | 2026-01 | 13829.78 | 1496.44 | 12333.33 | 678333.33 |
| 6 | 2026-02 | 13803.06 | 1469.72 | 12333.33 | 666000.00 |
| 7 | 2026-03 | 13776.33 | 1443.00 | 12333.33 | 653666.67 |
| 8 | 2026-04 | 13749.61 | 1416.28 | 12333.33 | 641333.33 |
| 9 | 2026-05 | 13722.89 | 1389.56 | 12333.33 | 629000.00 |
| 10 | 2026-06 | 13696.17 | 1362.83 | 12333.33 | 616666.67 |
| 11 | 2026-07 | 13669.44 | 1336.11 | 12333.33 | 604333.33 |
| 12 | 2026-08 | 13642.72 | 1309.39 | 12333.33 | 592000.00 |
| 13 | 2026-09 | 13616.00 | 1282.67 | 12333.33 | 579666.67 |
| 14 | 2026-10 | 13589.28 | 1255.94 | 12333.33 | 567333.33 |
| 15 | 2026-11 | 13562.56 | 1229.22 | 12333.33 | 555000.00 |
| 16 | 2026-12 | 13535.83 | 1202.50 | 12333.33 | 542666.67 |
| 17 | 2027-01 | 13509.11 | 1175.78 | 12333.33 | 530333.33 |
| 18 | 2027-02 | 13482.39 | 1149.06 | 12333.33 | 518000.00 |
| 19 | 2027-03 | 13455.67 | 1122.33 | 12333.33 | 505666.67 |
| 20 | 2027-04 | 13428.94 | 1095.61 | 12333.33 | 493333.33 |
| 21 | 2027-05 | 13402.22 | 1068.89 | 12333.33 | 481000.00 |
| 22 | 2027-06 | 13375.50 | 1042.17 | 12333.33 | 468666.67 |
| 23 | 2027-07 | 13348.78 | 1015.44 | 12333.33 | 456333.33 |
| 24 | 2027-08 | 13322.06 | 988.72 | 12333.33 | 444000.00 |
| 25 | 2027-09 | 13295.33 | 962.00 | 12333.33 | 431666.67 |
| 26 | 2027-10 | 13268.61 | 935.28 | 12333.33 | 419333.33 |
| 27 | 2027-11 | 13241.89 | 908.56 | 12333.33 | 407000.00 |
| 28 | 2027-12 | 13215.17 | 881.83 | 12333.33 | 394666.67 |
| 29 | 2028-01 | 13188.44 | 855.11 | 12333.33 | 382333.33 |
| 30 | 2028-02 | 13161.72 | 828.39 | 12333.33 | 370000.00 |
| 31 | 2028-03 | 13135.00 | 801.67 | 12333.33 | 357666.67 |
| 32 | 2028-04 | 13108.28 | 774.94 | 12333.33 | 345333.33 |
| 33 | 2028-05 | 13081.56 | 748.22 | 12333.33 | 333000.00 |
| 34 | 2028-06 | 13054.83 | 721.50 | 12333.33 | 320666.67 |
| 35 | 2028-07 | 13028.11 | 694.78 | 12333.33 | 308333.33 |
| 36 | 2028-08 | 13001.39 | 668.06 | 12333.33 | 296000.00 |
| 37 | 2028-09 | 12974.67 | 641.33 | 12333.33 | 283666.67 |
| 38 | 2028-10 | 12947.94 | 614.61 | 12333.33 | 271333.33 |
| 39 | 2028-11 | 12921.22 | 587.89 | 12333.33 | 259000.00 |
| 40 | 2028-12 | 12894.50 | 561.17 | 12333.33 | 246666.67 |
| 41 | 2029-01 | 12867.78 | 534.44 | 12333.33 | 234333.33 |
| 42 | 2029-02 | 12841.06 | 507.72 | 12333.33 | 222000.00 |
| 43 | 2029-03 | 12814.33 | 481.00 | 12333.33 | 209666.67 |
| 44 | 2029-04 | 12787.61 | 454.28 | 12333.33 | 197333.33 |
| 45 | 2029-05 | 12760.89 | 427.56 | 12333.33 | 185000.00 |
| 46 | 2029-06 | 12734.17 | 400.83 | 12333.33 | 172666.67 |
| 47 | 2029-07 | 12707.44 | 374.11 | 12333.33 | 160333.33 |
| 48 | 2029-08 | 12680.72 | 347.39 | 12333.33 | 148000.00 |
| 49 | 2029-09 | 12654.00 | 320.67 | 12333.33 | 135666.67 |
| 50 | 2029-10 | 12627.28 | 293.94 | 12333.33 | 123333.33 |
| 51 | 2029-11 | 12600.56 | 267.22 | 12333.33 | 111000.00 |
| 52 | 2029-12 | 12573.83 | 240.50 | 12333.33 | 98666.67 |
| 53 | 2030-01 | 12547.11 | 213.78 | 12333.33 | 86333.33 |
| 54 | 2030-02 | 12520.39 | 187.06 | 12333.33 | 74000.00 |
| 55 | 2030-03 | 12493.67 | 160.33 | 12333.33 | 61666.67 |
| 56 | 2030-04 | 12466.94 | 133.61 | 12333.33 | 49333.33 |
| 57 | 2030-05 | 12440.22 | 106.89 | 12333.33 | 37000.00 |
| 58 | 2030-06 | 12413.50 | 80.17 | 12333.33 | 24666.67 |
| 59 | 2030-07 | 12386.78 | 53.44 | 12333.33 | 12333.33 |
| 60 | 2030-08 | 12360.06 | 26.72 | 12333.33 | 0.00 |