山东贷款45万（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：45万
还款月数：5年
每月还款：8006.17元
利息总额：3.04万
本息合计：48.04万
| 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 | 8006.17 | 975.00 | 7031.17 | 442968.83 |
| 2 | 2025-11 | 8006.17 | 959.77 | 7046.40 | 435922.43 |
| 3 | 2025-12 | 8006.17 | 944.50 | 7061.67 | 428860.75 |
| 4 | 2026-01 | 8006.17 | 929.20 | 7076.97 | 421783.78 |
| 5 | 2026-02 | 8006.17 | 913.86 | 7092.31 | 414691.48 |
| 6 | 2026-03 | 8006.17 | 898.50 | 7107.67 | 407583.80 |
| 7 | 2026-04 | 8006.17 | 883.10 | 7123.07 | 400460.73 |
| 8 | 2026-05 | 8006.17 | 867.66 | 7138.51 | 393322.23 |
| 9 | 2026-06 | 8006.17 | 852.20 | 7153.97 | 386168.26 |
| 10 | 2026-07 | 8006.17 | 836.70 | 7169.47 | 378998.78 |
| 11 | 2026-08 | 8006.17 | 821.16 | 7185.01 | 371813.78 |
| 12 | 2026-09 | 8006.17 | 805.60 | 7200.57 | 364613.20 |
| 13 | 2026-10 | 8006.17 | 790.00 | 7216.17 | 357397.03 |
| 14 | 2026-11 | 8006.17 | 774.36 | 7231.81 | 350165.22 |
| 15 | 2026-12 | 8006.17 | 758.69 | 7247.48 | 342917.74 |
| 16 | 2027-01 | 8006.17 | 742.99 | 7263.18 | 335654.56 |
| 17 | 2027-02 | 8006.17 | 727.25 | 7278.92 | 328375.64 |
| 18 | 2027-03 | 8006.17 | 711.48 | 7294.69 | 321080.95 |
| 19 | 2027-04 | 8006.17 | 695.68 | 7310.49 | 313770.45 |
| 20 | 2027-05 | 8006.17 | 679.84 | 7326.33 | 306444.12 |
| 21 | 2027-06 | 8006.17 | 663.96 | 7342.21 | 299101.91 |
| 22 | 2027-07 | 8006.17 | 648.05 | 7358.12 | 291743.80 |
| 23 | 2027-08 | 8006.17 | 632.11 | 7374.06 | 284369.74 |
| 24 | 2027-09 | 8006.17 | 616.13 | 7390.04 | 276979.70 |
| 25 | 2027-10 | 8006.17 | 600.12 | 7406.05 | 269573.65 |
| 26 | 2027-11 | 8006.17 | 584.08 | 7422.09 | 262151.56 |
| 27 | 2027-12 | 8006.17 | 568.00 | 7438.18 | 254713.39 |
| 28 | 2028-01 | 8006.17 | 551.88 | 7454.29 | 247259.09 |
| 29 | 2028-02 | 8006.17 | 535.73 | 7470.44 | 239788.65 |
| 30 | 2028-03 | 8006.17 | 519.54 | 7486.63 | 232302.02 |
| 31 | 2028-04 | 8006.17 | 503.32 | 7502.85 | 224799.18 |
| 32 | 2028-05 | 8006.17 | 487.06 | 7519.11 | 217280.07 |
| 33 | 2028-06 | 8006.17 | 470.77 | 7535.40 | 209744.67 |
| 34 | 2028-07 | 8006.17 | 454.45 | 7551.72 | 202192.95 |
| 35 | 2028-08 | 8006.17 | 438.08 | 7568.09 | 194624.86 |
| 36 | 2028-09 | 8006.17 | 421.69 | 7584.48 | 187040.38 |
| 37 | 2028-10 | 8006.17 | 405.25 | 7600.92 | 179439.47 |
| 38 | 2028-11 | 8006.17 | 388.79 | 7617.38 | 171822.08 |
| 39 | 2028-12 | 8006.17 | 372.28 | 7633.89 | 164188.19 |
| 40 | 2029-01 | 8006.17 | 355.74 | 7650.43 | 156537.76 |
| 41 | 2029-02 | 8006.17 | 339.17 | 7667.01 | 148870.76 |
| 42 | 2029-03 | 8006.17 | 322.55 | 7683.62 | 141187.14 |
| 43 | 2029-04 | 8006.17 | 305.91 | 7700.26 | 133486.88 |
| 44 | 2029-05 | 8006.17 | 289.22 | 7716.95 | 125769.93 |
| 45 | 2029-06 | 8006.17 | 272.50 | 7733.67 | 118036.26 |
| 46 | 2029-07 | 8006.17 | 255.75 | 7750.42 | 110285.83 |
| 47 | 2029-08 | 8006.17 | 238.95 | 7767.22 | 102518.62 |
| 48 | 2029-09 | 8006.17 | 222.12 | 7784.05 | 94734.57 |
| 49 | 2029-10 | 8006.17 | 205.26 | 7800.91 | 86933.66 |
| 50 | 2029-11 | 8006.17 | 188.36 | 7817.81 | 79115.84 |
| 51 | 2029-12 | 8006.17 | 171.42 | 7834.75 | 71281.09 |
| 52 | 2030-01 | 8006.17 | 154.44 | 7851.73 | 63429.36 |
| 53 | 2030-02 | 8006.17 | 137.43 | 7868.74 | 55560.62 |
| 54 | 2030-03 | 8006.17 | 120.38 | 7885.79 | 47674.83 |
| 55 | 2030-04 | 8006.17 | 103.30 | 7902.87 | 39771.96 |
| 56 | 2030-05 | 8006.17 | 86.17 | 7920.00 | 31851.96 |
| 57 | 2030-06 | 8006.17 | 69.01 | 7937.16 | 23914.80 |
| 58 | 2030-07 | 8006.17 | 51.82 | 7954.35 | 15960.45 |
| 59 | 2030-08 | 8006.17 | 34.58 | 7971.59 | 7988.86 |
| 60 | 2030-09 | 8006.17 | 17.31 | 7988.86 | 0.00 |
等额本金还款方式：
贷款总额：45万
还款月数：5年
首月还款：8475元
每月递减：16.25元
利息总额：2.97万
本息合计：47.97万
节省利息：632.71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 | 8475.00 | 975.00 | 7500.00 | 442500.00 |
| 2 | 2025-11 | 8458.75 | 958.75 | 7500.00 | 435000.00 |
| 3 | 2025-12 | 8442.50 | 942.50 | 7500.00 | 427500.00 |
| 4 | 2026-01 | 8426.25 | 926.25 | 7500.00 | 420000.00 |
| 5 | 2026-02 | 8410.00 | 910.00 | 7500.00 | 412500.00 |
| 6 | 2026-03 | 8393.75 | 893.75 | 7500.00 | 405000.00 |
| 7 | 2026-04 | 8377.50 | 877.50 | 7500.00 | 397500.00 |
| 8 | 2026-05 | 8361.25 | 861.25 | 7500.00 | 390000.00 |
| 9 | 2026-06 | 8345.00 | 845.00 | 7500.00 | 382500.00 |
| 10 | 2026-07 | 8328.75 | 828.75 | 7500.00 | 375000.00 |
| 11 | 2026-08 | 8312.50 | 812.50 | 7500.00 | 367500.00 |
| 12 | 2026-09 | 8296.25 | 796.25 | 7500.00 | 360000.00 |
| 13 | 2026-10 | 8280.00 | 780.00 | 7500.00 | 352500.00 |
| 14 | 2026-11 | 8263.75 | 763.75 | 7500.00 | 345000.00 |
| 15 | 2026-12 | 8247.50 | 747.50 | 7500.00 | 337500.00 |
| 16 | 2027-01 | 8231.25 | 731.25 | 7500.00 | 330000.00 |
| 17 | 2027-02 | 8215.00 | 715.00 | 7500.00 | 322500.00 |
| 18 | 2027-03 | 8198.75 | 698.75 | 7500.00 | 315000.00 |
| 19 | 2027-04 | 8182.50 | 682.50 | 7500.00 | 307500.00 |
| 20 | 2027-05 | 8166.25 | 666.25 | 7500.00 | 300000.00 |
| 21 | 2027-06 | 8150.00 | 650.00 | 7500.00 | 292500.00 |
| 22 | 2027-07 | 8133.75 | 633.75 | 7500.00 | 285000.00 |
| 23 | 2027-08 | 8117.50 | 617.50 | 7500.00 | 277500.00 |
| 24 | 2027-09 | 8101.25 | 601.25 | 7500.00 | 270000.00 |
| 25 | 2027-10 | 8085.00 | 585.00 | 7500.00 | 262500.00 |
| 26 | 2027-11 | 8068.75 | 568.75 | 7500.00 | 255000.00 |
| 27 | 2027-12 | 8052.50 | 552.50 | 7500.00 | 247500.00 |
| 28 | 2028-01 | 8036.25 | 536.25 | 7500.00 | 240000.00 |
| 29 | 2028-02 | 8020.00 | 520.00 | 7500.00 | 232500.00 |
| 30 | 2028-03 | 8003.75 | 503.75 | 7500.00 | 225000.00 |
| 31 | 2028-04 | 7987.50 | 487.50 | 7500.00 | 217500.00 |
| 32 | 2028-05 | 7971.25 | 471.25 | 7500.00 | 210000.00 |
| 33 | 2028-06 | 7955.00 | 455.00 | 7500.00 | 202500.00 |
| 34 | 2028-07 | 7938.75 | 438.75 | 7500.00 | 195000.00 |
| 35 | 2028-08 | 7922.50 | 422.50 | 7500.00 | 187500.00 |
| 36 | 2028-09 | 7906.25 | 406.25 | 7500.00 | 180000.00 |
| 37 | 2028-10 | 7890.00 | 390.00 | 7500.00 | 172500.00 |
| 38 | 2028-11 | 7873.75 | 373.75 | 7500.00 | 165000.00 |
| 39 | 2028-12 | 7857.50 | 357.50 | 7500.00 | 157500.00 |
| 40 | 2029-01 | 7841.25 | 341.25 | 7500.00 | 150000.00 |
| 41 | 2029-02 | 7825.00 | 325.00 | 7500.00 | 142500.00 |
| 42 | 2029-03 | 7808.75 | 308.75 | 7500.00 | 135000.00 |
| 43 | 2029-04 | 7792.50 | 292.50 | 7500.00 | 127500.00 |
| 44 | 2029-05 | 7776.25 | 276.25 | 7500.00 | 120000.00 |
| 45 | 2029-06 | 7760.00 | 260.00 | 7500.00 | 112500.00 |
| 46 | 2029-07 | 7743.75 | 243.75 | 7500.00 | 105000.00 |
| 47 | 2029-08 | 7727.50 | 227.50 | 7500.00 | 97500.00 |
| 48 | 2029-09 | 7711.25 | 211.25 | 7500.00 | 90000.00 |
| 49 | 2029-10 | 7695.00 | 195.00 | 7500.00 | 82500.00 |
| 50 | 2029-11 | 7678.75 | 178.75 | 7500.00 | 75000.00 |
| 51 | 2029-12 | 7662.50 | 162.50 | 7500.00 | 67500.00 |
| 52 | 2030-01 | 7646.25 | 146.25 | 7500.00 | 60000.00 |
| 53 | 2030-02 | 7630.00 | 130.00 | 7500.00 | 52500.00 |
| 54 | 2030-03 | 7613.75 | 113.75 | 7500.00 | 45000.00 |
| 55 | 2030-04 | 7597.50 | 97.50 | 7500.00 | 37500.00 |
| 56 | 2030-05 | 7581.25 | 81.25 | 7500.00 | 30000.00 |
| 57 | 2030-06 | 7565.00 | 65.00 | 7500.00 | 22500.00 |
| 58 | 2030-07 | 7548.75 | 48.75 | 7500.00 | 15000.00 |
| 59 | 2030-08 | 7532.50 | 32.50 | 7500.00 | 7500.00 |
| 60 | 2030-09 | 7516.25 | 16.25 | 7500.00 | 0.00 |