扬州贷款90万（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：90万
还款月数：5年
每月还款：16012.34元
利息总额：6.07万
本息合计：96.07万
| 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 | 16012.34 | 1950.00 | 14062.34 | 885937.66 |
| 2 | 2025-11 | 16012.34 | 1919.53 | 14092.81 | 871844.85 |
| 3 | 2025-12 | 16012.34 | 1889.00 | 14123.34 | 857721.51 |
| 4 | 2026-01 | 16012.34 | 1858.40 | 14153.94 | 843567.56 |
| 5 | 2026-02 | 16012.34 | 1827.73 | 14184.61 | 829382.95 |
| 6 | 2026-03 | 16012.34 | 1797.00 | 14215.34 | 815167.61 |
| 7 | 2026-04 | 16012.34 | 1766.20 | 14246.14 | 800921.47 |
| 8 | 2026-05 | 16012.34 | 1735.33 | 14277.01 | 786644.45 |
| 9 | 2026-06 | 16012.34 | 1704.40 | 14307.94 | 772336.51 |
| 10 | 2026-07 | 16012.34 | 1673.40 | 14338.94 | 757997.57 |
| 11 | 2026-08 | 16012.34 | 1642.33 | 14370.01 | 743627.55 |
| 12 | 2026-09 | 16012.34 | 1611.19 | 14401.15 | 729226.41 |
| 13 | 2026-10 | 16012.34 | 1579.99 | 14432.35 | 714794.06 |
| 14 | 2026-11 | 16012.34 | 1548.72 | 14463.62 | 700330.44 |
| 15 | 2026-12 | 16012.34 | 1517.38 | 14494.96 | 685835.48 |
| 16 | 2027-01 | 16012.34 | 1485.98 | 14526.36 | 671309.12 |
| 17 | 2027-02 | 16012.34 | 1454.50 | 14557.84 | 656751.28 |
| 18 | 2027-03 | 16012.34 | 1422.96 | 14589.38 | 642161.90 |
| 19 | 2027-04 | 16012.34 | 1391.35 | 14620.99 | 627540.91 |
| 20 | 2027-05 | 16012.34 | 1359.67 | 14652.67 | 612888.24 |
| 21 | 2027-06 | 16012.34 | 1327.92 | 14684.42 | 598203.83 |
| 22 | 2027-07 | 16012.34 | 1296.11 | 14716.23 | 583487.59 |
| 23 | 2027-08 | 16012.34 | 1264.22 | 14748.12 | 568739.48 |
| 24 | 2027-09 | 16012.34 | 1232.27 | 14780.07 | 553959.40 |
| 25 | 2027-10 | 16012.34 | 1200.25 | 14812.09 | 539147.31 |
| 26 | 2027-11 | 16012.34 | 1168.15 | 14844.19 | 524303.12 |
| 27 | 2027-12 | 16012.34 | 1135.99 | 14876.35 | 509426.77 |
| 28 | 2028-01 | 16012.34 | 1103.76 | 14908.58 | 494518.19 |
| 29 | 2028-02 | 16012.34 | 1071.46 | 14940.88 | 479577.30 |
| 30 | 2028-03 | 16012.34 | 1039.08 | 14973.26 | 464604.05 |
| 31 | 2028-04 | 16012.34 | 1006.64 | 15005.70 | 449598.35 |
| 32 | 2028-05 | 16012.34 | 974.13 | 15038.21 | 434560.14 |
| 33 | 2028-06 | 16012.34 | 941.55 | 15070.79 | 419489.35 |
| 34 | 2028-07 | 16012.34 | 908.89 | 15103.45 | 404385.90 |
| 35 | 2028-08 | 16012.34 | 876.17 | 15136.17 | 389249.73 |
| 36 | 2028-09 | 16012.34 | 843.37 | 15168.97 | 374080.76 |
| 37 | 2028-10 | 16012.34 | 810.51 | 15201.83 | 358878.93 |
| 38 | 2028-11 | 16012.34 | 777.57 | 15234.77 | 343644.16 |
| 39 | 2028-12 | 16012.34 | 744.56 | 15267.78 | 328376.38 |
| 40 | 2029-01 | 16012.34 | 711.48 | 15300.86 | 313075.53 |
| 41 | 2029-02 | 16012.34 | 678.33 | 15334.01 | 297741.52 |
| 42 | 2029-03 | 16012.34 | 645.11 | 15367.23 | 282374.28 |
| 43 | 2029-04 | 16012.34 | 611.81 | 15400.53 | 266973.75 |
| 44 | 2029-05 | 16012.34 | 578.44 | 15433.90 | 251539.85 |
| 45 | 2029-06 | 16012.34 | 545.00 | 15467.34 | 236072.52 |
| 46 | 2029-07 | 16012.34 | 511.49 | 15500.85 | 220571.67 |
| 47 | 2029-08 | 16012.34 | 477.91 | 15534.44 | 205037.23 |
| 48 | 2029-09 | 16012.34 | 444.25 | 15568.09 | 189469.14 |
| 49 | 2029-10 | 16012.34 | 410.52 | 15601.82 | 173867.32 |
| 50 | 2029-11 | 16012.34 | 376.71 | 15635.63 | 158231.69 |
| 51 | 2029-12 | 16012.34 | 342.84 | 15669.51 | 142562.18 |
| 52 | 2030-01 | 16012.34 | 308.88 | 15703.46 | 126858.73 |
| 53 | 2030-02 | 16012.34 | 274.86 | 15737.48 | 111121.25 |
| 54 | 2030-03 | 16012.34 | 240.76 | 15771.58 | 95349.67 |
| 55 | 2030-04 | 16012.34 | 206.59 | 15805.75 | 79543.92 |
| 56 | 2030-05 | 16012.34 | 172.35 | 15840.00 | 63703.93 |
| 57 | 2030-06 | 16012.34 | 138.03 | 15874.32 | 47829.61 |
| 58 | 2030-07 | 16012.34 | 103.63 | 15908.71 | 31920.90 |
| 59 | 2030-08 | 16012.34 | 69.16 | 15943.18 | 15977.72 |
| 60 | 2030-09 | 16012.34 | 34.62 | 15977.72 | 0.00 |
等额本金还款方式：
贷款总额：90万
还款月数：5年
首月还款：16950元
每月递减：32.5元
利息总额：5.95万
本息合计：95.95万
节省利息：1265.42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 | 16950.00 | 1950.00 | 15000.00 | 885000.00 |
| 2 | 2025-11 | 16917.50 | 1917.50 | 15000.00 | 870000.00 |
| 3 | 2025-12 | 16885.00 | 1885.00 | 15000.00 | 855000.00 |
| 4 | 2026-01 | 16852.50 | 1852.50 | 15000.00 | 840000.00 |
| 5 | 2026-02 | 16820.00 | 1820.00 | 15000.00 | 825000.00 |
| 6 | 2026-03 | 16787.50 | 1787.50 | 15000.00 | 810000.00 |
| 7 | 2026-04 | 16755.00 | 1755.00 | 15000.00 | 795000.00 |
| 8 | 2026-05 | 16722.50 | 1722.50 | 15000.00 | 780000.00 |
| 9 | 2026-06 | 16690.00 | 1690.00 | 15000.00 | 765000.00 |
| 10 | 2026-07 | 16657.50 | 1657.50 | 15000.00 | 750000.00 |
| 11 | 2026-08 | 16625.00 | 1625.00 | 15000.00 | 735000.00 |
| 12 | 2026-09 | 16592.50 | 1592.50 | 15000.00 | 720000.00 |
| 13 | 2026-10 | 16560.00 | 1560.00 | 15000.00 | 705000.00 |
| 14 | 2026-11 | 16527.50 | 1527.50 | 15000.00 | 690000.00 |
| 15 | 2026-12 | 16495.00 | 1495.00 | 15000.00 | 675000.00 |
| 16 | 2027-01 | 16462.50 | 1462.50 | 15000.00 | 660000.00 |
| 17 | 2027-02 | 16430.00 | 1430.00 | 15000.00 | 645000.00 |
| 18 | 2027-03 | 16397.50 | 1397.50 | 15000.00 | 630000.00 |
| 19 | 2027-04 | 16365.00 | 1365.00 | 15000.00 | 615000.00 |
| 20 | 2027-05 | 16332.50 | 1332.50 | 15000.00 | 600000.00 |
| 21 | 2027-06 | 16300.00 | 1300.00 | 15000.00 | 585000.00 |
| 22 | 2027-07 | 16267.50 | 1267.50 | 15000.00 | 570000.00 |
| 23 | 2027-08 | 16235.00 | 1235.00 | 15000.00 | 555000.00 |
| 24 | 2027-09 | 16202.50 | 1202.50 | 15000.00 | 540000.00 |
| 25 | 2027-10 | 16170.00 | 1170.00 | 15000.00 | 525000.00 |
| 26 | 2027-11 | 16137.50 | 1137.50 | 15000.00 | 510000.00 |
| 27 | 2027-12 | 16105.00 | 1105.00 | 15000.00 | 495000.00 |
| 28 | 2028-01 | 16072.50 | 1072.50 | 15000.00 | 480000.00 |
| 29 | 2028-02 | 16040.00 | 1040.00 | 15000.00 | 465000.00 |
| 30 | 2028-03 | 16007.50 | 1007.50 | 15000.00 | 450000.00 |
| 31 | 2028-04 | 15975.00 | 975.00 | 15000.00 | 435000.00 |
| 32 | 2028-05 | 15942.50 | 942.50 | 15000.00 | 420000.00 |
| 33 | 2028-06 | 15910.00 | 910.00 | 15000.00 | 405000.00 |
| 34 | 2028-07 | 15877.50 | 877.50 | 15000.00 | 390000.00 |
| 35 | 2028-08 | 15845.00 | 845.00 | 15000.00 | 375000.00 |
| 36 | 2028-09 | 15812.50 | 812.50 | 15000.00 | 360000.00 |
| 37 | 2028-10 | 15780.00 | 780.00 | 15000.00 | 345000.00 |
| 38 | 2028-11 | 15747.50 | 747.50 | 15000.00 | 330000.00 |
| 39 | 2028-12 | 15715.00 | 715.00 | 15000.00 | 315000.00 |
| 40 | 2029-01 | 15682.50 | 682.50 | 15000.00 | 300000.00 |
| 41 | 2029-02 | 15650.00 | 650.00 | 15000.00 | 285000.00 |
| 42 | 2029-03 | 15617.50 | 617.50 | 15000.00 | 270000.00 |
| 43 | 2029-04 | 15585.00 | 585.00 | 15000.00 | 255000.00 |
| 44 | 2029-05 | 15552.50 | 552.50 | 15000.00 | 240000.00 |
| 45 | 2029-06 | 15520.00 | 520.00 | 15000.00 | 225000.00 |
| 46 | 2029-07 | 15487.50 | 487.50 | 15000.00 | 210000.00 |
| 47 | 2029-08 | 15455.00 | 455.00 | 15000.00 | 195000.00 |
| 48 | 2029-09 | 15422.50 | 422.50 | 15000.00 | 180000.00 |
| 49 | 2029-10 | 15390.00 | 390.00 | 15000.00 | 165000.00 |
| 50 | 2029-11 | 15357.50 | 357.50 | 15000.00 | 150000.00 |
| 51 | 2029-12 | 15325.00 | 325.00 | 15000.00 | 135000.00 |
| 52 | 2030-01 | 15292.50 | 292.50 | 15000.00 | 120000.00 |
| 53 | 2030-02 | 15260.00 | 260.00 | 15000.00 | 105000.00 |
| 54 | 2030-03 | 15227.50 | 227.50 | 15000.00 | 90000.00 |
| 55 | 2030-04 | 15195.00 | 195.00 | 15000.00 | 75000.00 |
| 56 | 2030-05 | 15162.50 | 162.50 | 15000.00 | 60000.00 |
| 57 | 2030-06 | 15130.00 | 130.00 | 15000.00 | 45000.00 |
| 58 | 2030-07 | 15097.50 | 97.50 | 15000.00 | 30000.00 |
| 59 | 2030-08 | 15065.00 | 65.00 | 15000.00 | 15000.00 |
| 60 | 2030-09 | 15032.50 | 32.50 | 15000.00 | 0.00 |