湛江贷款65万（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：65万
还款月数：5年
每月还款：11542.95元
利息总额：4.26万
本息合计：69.26万
| 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 | 11542.95 | 1367.71 | 10175.24 | 639824.76 |
| 2 | 2025-11 | 11542.95 | 1346.30 | 10196.65 | 629628.10 |
| 3 | 2025-12 | 11542.95 | 1324.84 | 10218.11 | 619409.99 |
| 4 | 2026-01 | 11542.95 | 1303.34 | 10239.61 | 609170.38 |
| 5 | 2026-02 | 11542.95 | 1281.80 | 10261.16 | 598909.23 |
| 6 | 2026-03 | 11542.95 | 1260.20 | 10282.75 | 588626.48 |
| 7 | 2026-04 | 11542.95 | 1238.57 | 10304.38 | 578322.10 |
| 8 | 2026-05 | 11542.95 | 1216.89 | 10326.07 | 567996.03 |
| 9 | 2026-06 | 11542.95 | 1195.16 | 10347.79 | 557648.24 |
| 10 | 2026-07 | 11542.95 | 1173.38 | 10369.57 | 547278.67 |
| 11 | 2026-08 | 11542.95 | 1151.57 | 10391.39 | 536887.29 |
| 12 | 2026-09 | 11542.95 | 1129.70 | 10413.25 | 526474.04 |
| 13 | 2026-10 | 11542.95 | 1107.79 | 10435.16 | 516038.87 |
| 14 | 2026-11 | 11542.95 | 1085.83 | 10457.12 | 505581.75 |
| 15 | 2026-12 | 11542.95 | 1063.83 | 10479.12 | 495102.63 |
| 16 | 2027-01 | 11542.95 | 1041.78 | 10501.17 | 484601.46 |
| 17 | 2027-02 | 11542.95 | 1019.68 | 10523.27 | 474078.19 |
| 18 | 2027-03 | 11542.95 | 997.54 | 10545.41 | 463532.78 |
| 19 | 2027-04 | 11542.95 | 975.35 | 10567.60 | 452965.17 |
| 20 | 2027-05 | 11542.95 | 953.11 | 10589.84 | 442375.34 |
| 21 | 2027-06 | 11542.95 | 930.83 | 10612.12 | 431763.22 |
| 22 | 2027-07 | 11542.95 | 908.50 | 10634.45 | 421128.77 |
| 23 | 2027-08 | 11542.95 | 886.13 | 10656.83 | 410471.94 |
| 24 | 2027-09 | 11542.95 | 863.70 | 10679.25 | 399792.69 |
| 25 | 2027-10 | 11542.95 | 841.23 | 10701.72 | 389090.97 |
| 26 | 2027-11 | 11542.95 | 818.71 | 10724.24 | 378366.73 |
| 27 | 2027-12 | 11542.95 | 796.15 | 10746.80 | 367619.92 |
| 28 | 2028-01 | 11542.95 | 773.53 | 10769.42 | 356850.51 |
| 29 | 2028-02 | 11542.95 | 750.87 | 10792.08 | 346058.43 |
| 30 | 2028-03 | 11542.95 | 728.16 | 10814.79 | 335243.64 |
| 31 | 2028-04 | 11542.95 | 705.41 | 10837.54 | 324406.10 |
| 32 | 2028-05 | 11542.95 | 682.60 | 10860.35 | 313545.75 |
| 33 | 2028-06 | 11542.95 | 659.75 | 10883.20 | 302662.55 |
| 34 | 2028-07 | 11542.95 | 636.85 | 10906.10 | 291756.45 |
| 35 | 2028-08 | 11542.95 | 613.90 | 10929.05 | 280827.41 |
| 36 | 2028-09 | 11542.95 | 590.91 | 10952.04 | 269875.36 |
| 37 | 2028-10 | 11542.95 | 567.86 | 10975.09 | 258900.27 |
| 38 | 2028-11 | 11542.95 | 544.77 | 10998.18 | 247902.09 |
| 39 | 2028-12 | 11542.95 | 521.63 | 11021.32 | 236880.77 |
| 40 | 2029-01 | 11542.95 | 498.44 | 11044.51 | 225836.25 |
| 41 | 2029-02 | 11542.95 | 475.20 | 11067.75 | 214768.50 |
| 42 | 2029-03 | 11542.95 | 451.91 | 11091.04 | 203677.45 |
| 43 | 2029-04 | 11542.95 | 428.57 | 11114.38 | 192563.07 |
| 44 | 2029-05 | 11542.95 | 405.18 | 11137.77 | 181425.31 |
| 45 | 2029-06 | 11542.95 | 381.75 | 11161.20 | 170264.10 |
| 46 | 2029-07 | 11542.95 | 358.26 | 11184.69 | 159079.42 |
| 47 | 2029-08 | 11542.95 | 334.73 | 11208.22 | 147871.19 |
| 48 | 2029-09 | 11542.95 | 311.15 | 11231.81 | 136639.39 |
| 49 | 2029-10 | 11542.95 | 287.51 | 11255.44 | 125383.95 |
| 50 | 2029-11 | 11542.95 | 263.83 | 11279.12 | 114104.83 |
| 51 | 2029-12 | 11542.95 | 240.10 | 11302.86 | 102801.97 |
| 52 | 2030-01 | 11542.95 | 216.31 | 11326.64 | 91475.33 |
| 53 | 2030-02 | 11542.95 | 192.48 | 11350.47 | 80124.86 |
| 54 | 2030-03 | 11542.95 | 168.60 | 11374.36 | 68750.50 |
| 55 | 2030-04 | 11542.95 | 144.66 | 11398.29 | 57352.21 |
| 56 | 2030-05 | 11542.95 | 120.68 | 11422.27 | 45929.94 |
| 57 | 2030-06 | 11542.95 | 96.64 | 11446.31 | 34483.63 |
| 58 | 2030-07 | 11542.95 | 72.56 | 11470.39 | 23013.24 |
| 59 | 2030-08 | 11542.95 | 48.42 | 11494.53 | 11518.71 |
| 60 | 2030-09 | 11542.95 | 24.24 | 11518.71 | 0.00 |
等额本金还款方式：
贷款总额：65万
还款月数：5年
首月还款：12201.04元
每月递减：22.8元
利息总额：4.17万
本息合计：69.17万
节省利息：861.99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 | 12201.04 | 1367.71 | 10833.33 | 639166.67 |
| 2 | 2025-11 | 12178.25 | 1344.91 | 10833.33 | 628333.33 |
| 3 | 2025-12 | 12155.45 | 1322.12 | 10833.33 | 617500.00 |
| 4 | 2026-01 | 12132.66 | 1299.32 | 10833.33 | 606666.67 |
| 5 | 2026-02 | 12109.86 | 1276.53 | 10833.33 | 595833.33 |
| 6 | 2026-03 | 12087.07 | 1253.73 | 10833.33 | 585000.00 |
| 7 | 2026-04 | 12064.27 | 1230.94 | 10833.33 | 574166.67 |
| 8 | 2026-05 | 12041.48 | 1208.14 | 10833.33 | 563333.33 |
| 9 | 2026-06 | 12018.68 | 1185.35 | 10833.33 | 552500.00 |
| 10 | 2026-07 | 11995.89 | 1162.55 | 10833.33 | 541666.67 |
| 11 | 2026-08 | 11973.09 | 1139.76 | 10833.33 | 530833.33 |
| 12 | 2026-09 | 11950.30 | 1116.96 | 10833.33 | 520000.00 |
| 13 | 2026-10 | 11927.50 | 1094.17 | 10833.33 | 509166.67 |
| 14 | 2026-11 | 11904.70 | 1071.37 | 10833.33 | 498333.33 |
| 15 | 2026-12 | 11881.91 | 1048.58 | 10833.33 | 487500.00 |
| 16 | 2027-01 | 11859.11 | 1025.78 | 10833.33 | 476666.67 |
| 17 | 2027-02 | 11836.32 | 1002.99 | 10833.33 | 465833.33 |
| 18 | 2027-03 | 11813.52 | 980.19 | 10833.33 | 455000.00 |
| 19 | 2027-04 | 11790.73 | 957.40 | 10833.33 | 444166.67 |
| 20 | 2027-05 | 11767.93 | 934.60 | 10833.33 | 433333.33 |
| 21 | 2027-06 | 11745.14 | 911.81 | 10833.33 | 422500.00 |
| 22 | 2027-07 | 11722.34 | 889.01 | 10833.33 | 411666.67 |
| 23 | 2027-08 | 11699.55 | 866.22 | 10833.33 | 400833.33 |
| 24 | 2027-09 | 11676.75 | 843.42 | 10833.33 | 390000.00 |
| 25 | 2027-10 | 11653.96 | 820.62 | 10833.33 | 379166.67 |
| 26 | 2027-11 | 11631.16 | 797.83 | 10833.33 | 368333.33 |
| 27 | 2027-12 | 11608.37 | 775.03 | 10833.33 | 357500.00 |
| 28 | 2028-01 | 11585.57 | 752.24 | 10833.33 | 346666.67 |
| 29 | 2028-02 | 11562.78 | 729.44 | 10833.33 | 335833.33 |
| 30 | 2028-03 | 11539.98 | 706.65 | 10833.33 | 325000.00 |
| 31 | 2028-04 | 11517.19 | 683.85 | 10833.33 | 314166.67 |
| 32 | 2028-05 | 11494.39 | 661.06 | 10833.33 | 303333.33 |
| 33 | 2028-06 | 11471.60 | 638.26 | 10833.33 | 292500.00 |
| 34 | 2028-07 | 11448.80 | 615.47 | 10833.33 | 281666.67 |
| 35 | 2028-08 | 11426.01 | 592.67 | 10833.33 | 270833.33 |
| 36 | 2028-09 | 11403.21 | 569.88 | 10833.33 | 260000.00 |
| 37 | 2028-10 | 11380.42 | 547.08 | 10833.33 | 249166.67 |
| 38 | 2028-11 | 11357.62 | 524.29 | 10833.33 | 238333.33 |
| 39 | 2028-12 | 11334.83 | 501.49 | 10833.33 | 227500.00 |
| 40 | 2029-01 | 11312.03 | 478.70 | 10833.33 | 216666.67 |
| 41 | 2029-02 | 11289.24 | 455.90 | 10833.33 | 205833.33 |
| 42 | 2029-03 | 11266.44 | 433.11 | 10833.33 | 195000.00 |
| 43 | 2029-04 | 11243.65 | 410.31 | 10833.33 | 184166.67 |
| 44 | 2029-05 | 11220.85 | 387.52 | 10833.33 | 173333.33 |
| 45 | 2029-06 | 11198.06 | 364.72 | 10833.33 | 162500.00 |
| 46 | 2029-07 | 11175.26 | 341.93 | 10833.33 | 151666.67 |
| 47 | 2029-08 | 11152.47 | 319.13 | 10833.33 | 140833.33 |
| 48 | 2029-09 | 11129.67 | 296.34 | 10833.33 | 130000.00 |
| 49 | 2029-10 | 11106.88 | 273.54 | 10833.33 | 119166.67 |
| 50 | 2029-11 | 11084.08 | 250.75 | 10833.33 | 108333.33 |
| 51 | 2029-12 | 11061.28 | 227.95 | 10833.33 | 97500.00 |
| 52 | 2030-01 | 11038.49 | 205.16 | 10833.33 | 86666.67 |
| 53 | 2030-02 | 11015.69 | 182.36 | 10833.33 | 75833.33 |
| 54 | 2030-03 | 10992.90 | 159.57 | 10833.33 | 65000.00 |
| 55 | 2030-04 | 10970.10 | 136.77 | 10833.33 | 54166.67 |
| 56 | 2030-05 | 10947.31 | 113.98 | 10833.33 | 43333.33 |
| 57 | 2030-06 | 10924.51 | 91.18 | 10833.33 | 32500.00 |
| 58 | 2030-07 | 10901.72 | 68.39 | 10833.33 | 21666.67 |
| 59 | 2030-08 | 10878.92 | 45.59 | 10833.33 | 10833.33 |
| 60 | 2030-09 | 10856.13 | 22.80 | 10833.33 | 0.00 |