贷款38.7万（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：38.7万
还款月数：5年
每月还款：6800元
利息总额：2.1万
本息合计：40.8万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 6800.00 | 677.23 | 6122.77 | 380866.60 |
| 2 | 2025-12 | 6800.00 | 666.52 | 6133.48 | 374733.12 |
| 3 | 2026-01 | 6800.00 | 655.78 | 6144.22 | 368588.90 |
| 4 | 2026-02 | 6800.00 | 645.03 | 6154.97 | 362433.93 |
| 5 | 2026-03 | 6800.00 | 634.26 | 6165.74 | 356268.19 |
| 6 | 2026-04 | 6800.00 | 623.47 | 6176.53 | 350091.66 |
| 7 | 2026-05 | 6800.00 | 612.66 | 6187.34 | 343904.32 |
| 8 | 2026-06 | 6800.00 | 601.83 | 6198.17 | 337706.15 |
| 9 | 2026-07 | 6800.00 | 590.99 | 6209.01 | 331497.14 |
| 10 | 2026-08 | 6800.00 | 580.12 | 6219.88 | 325277.26 |
| 11 | 2026-09 | 6800.00 | 569.24 | 6230.76 | 319046.49 |
| 12 | 2026-10 | 6800.00 | 558.33 | 6241.67 | 312804.83 |
| 13 | 2026-11 | 6800.00 | 547.41 | 6252.59 | 306552.23 |
| 14 | 2026-12 | 6800.00 | 536.47 | 6263.53 | 300288.70 |
| 15 | 2027-01 | 6800.00 | 525.51 | 6274.49 | 294014.21 |
| 16 | 2027-02 | 6800.00 | 514.52 | 6285.48 | 287728.73 |
| 17 | 2027-03 | 6800.00 | 503.53 | 6296.47 | 281432.26 |
| 18 | 2027-04 | 6800.00 | 492.51 | 6307.49 | 275124.76 |
| 19 | 2027-05 | 6800.00 | 481.47 | 6318.53 | 268806.23 |
| 20 | 2027-06 | 6800.00 | 470.41 | 6329.59 | 262476.64 |
| 21 | 2027-07 | 6800.00 | 459.33 | 6340.67 | 256135.98 |
| 22 | 2027-08 | 6800.00 | 448.24 | 6351.76 | 249784.21 |
| 23 | 2027-09 | 6800.00 | 437.12 | 6362.88 | 243421.34 |
| 24 | 2027-10 | 6800.00 | 425.99 | 6374.01 | 237047.32 |
| 25 | 2027-11 | 6800.00 | 414.83 | 6385.17 | 230662.16 |
| 26 | 2027-12 | 6800.00 | 403.66 | 6396.34 | 224265.82 |
| 27 | 2028-01 | 6800.00 | 392.47 | 6407.53 | 217858.28 |
| 28 | 2028-02 | 6800.00 | 381.25 | 6418.75 | 211439.53 |
| 29 | 2028-03 | 6800.00 | 370.02 | 6429.98 | 205009.55 |
| 30 | 2028-04 | 6800.00 | 358.77 | 6441.23 | 198568.32 |
| 31 | 2028-05 | 6800.00 | 347.49 | 6452.51 | 192115.81 |
| 32 | 2028-06 | 6800.00 | 336.20 | 6463.80 | 185652.02 |
| 33 | 2028-07 | 6800.00 | 324.89 | 6475.11 | 179176.91 |
| 34 | 2028-08 | 6800.00 | 313.56 | 6486.44 | 172690.47 |
| 35 | 2028-09 | 6800.00 | 302.21 | 6497.79 | 166192.67 |
| 36 | 2028-10 | 6800.00 | 290.84 | 6509.16 | 159683.51 |
| 37 | 2028-11 | 6800.00 | 279.45 | 6520.55 | 153162.96 |
| 38 | 2028-12 | 6800.00 | 268.04 | 6531.96 | 146630.99 |
| 39 | 2029-01 | 6800.00 | 256.60 | 6543.40 | 140087.60 |
| 40 | 2029-02 | 6800.00 | 245.15 | 6554.85 | 133532.75 |
| 41 | 2029-03 | 6800.00 | 233.68 | 6566.32 | 126966.43 |
| 42 | 2029-04 | 6800.00 | 222.19 | 6577.81 | 120388.62 |
| 43 | 2029-05 | 6800.00 | 210.68 | 6589.32 | 113799.30 |
| 44 | 2029-06 | 6800.00 | 199.15 | 6600.85 | 107198.45 |
| 45 | 2029-07 | 6800.00 | 187.60 | 6612.40 | 100586.05 |
| 46 | 2029-08 | 6800.00 | 176.03 | 6623.97 | 93962.08 |
| 47 | 2029-09 | 6800.00 | 164.43 | 6635.57 | 87326.51 |
| 48 | 2029-10 | 6800.00 | 152.82 | 6647.18 | 80679.33 |
| 49 | 2029-11 | 6800.00 | 141.19 | 6658.81 | 74020.52 |
| 50 | 2029-12 | 6800.00 | 129.54 | 6670.46 | 67350.06 |
| 51 | 2030-01 | 6800.00 | 117.86 | 6682.14 | 60667.92 |
| 52 | 2030-02 | 6800.00 | 106.17 | 6693.83 | 53974.09 |
| 53 | 2030-03 | 6800.00 | 94.45 | 6705.55 | 47268.54 |
| 54 | 2030-04 | 6800.00 | 82.72 | 6717.28 | 40551.26 |
| 55 | 2030-05 | 6800.00 | 70.96 | 6729.04 | 33822.23 |
| 56 | 2030-06 | 6800.00 | 59.19 | 6740.81 | 27081.42 |
| 57 | 2030-07 | 6800.00 | 47.39 | 6752.61 | 20328.81 |
| 58 | 2030-08 | 6800.00 | 35.58 | 6764.42 | 13564.38 |
| 59 | 2030-09 | 6800.00 | 23.74 | 6776.26 | 6788.12 |
| 60 | 2030-10 | 6800.00 | 11.88 | 6788.12 | 0.00 |
等额本金还款方式：
贷款总额：38.7万
还款月数：5年
首月还款：6800元
每月递减：10.77元
利息总额：1.97万
本息合计：38.89万
节省利息：1302.94元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 6800.00 | 646.15 | 6153.85 | 363076.92 |
| 2 | 2025-12 | 6789.23 | 635.38 | 6153.85 | 356923.08 |
| 3 | 2026-01 | 6778.46 | 624.62 | 6153.85 | 350769.23 |
| 4 | 2026-02 | 6767.69 | 613.85 | 6153.85 | 344615.38 |
| 5 | 2026-03 | 6756.92 | 603.08 | 6153.85 | 338461.54 |
| 6 | 2026-04 | 6746.15 | 592.31 | 6153.85 | 332307.69 |
| 7 | 2026-05 | 6735.38 | 581.54 | 6153.85 | 326153.85 |
| 8 | 2026-06 | 6724.62 | 570.77 | 6153.85 | 320000.00 |
| 9 | 2026-07 | 6713.85 | 560.00 | 6153.85 | 313846.15 |
| 10 | 2026-08 | 6703.08 | 549.23 | 6153.85 | 307692.31 |
| 11 | 2026-09 | 6692.31 | 538.46 | 6153.85 | 301538.46 |
| 12 | 2026-10 | 6681.54 | 527.69 | 6153.85 | 295384.62 |
| 13 | 2026-11 | 6670.77 | 516.92 | 6153.85 | 289230.77 |
| 14 | 2026-12 | 6660.00 | 506.15 | 6153.85 | 283076.92 |
| 15 | 2027-01 | 6649.23 | 495.38 | 6153.85 | 276923.08 |
| 16 | 2027-02 | 6638.46 | 484.62 | 6153.85 | 270769.23 |
| 17 | 2027-03 | 6627.69 | 473.85 | 6153.85 | 264615.38 |
| 18 | 2027-04 | 6616.92 | 463.08 | 6153.85 | 258461.54 |
| 19 | 2027-05 | 6606.15 | 452.31 | 6153.85 | 252307.69 |
| 20 | 2027-06 | 6595.38 | 441.54 | 6153.85 | 246153.85 |
| 21 | 2027-07 | 6584.62 | 430.77 | 6153.85 | 240000.00 |
| 22 | 2027-08 | 6573.85 | 420.00 | 6153.85 | 233846.15 |
| 23 | 2027-09 | 6563.08 | 409.23 | 6153.85 | 227692.31 |
| 24 | 2027-10 | 6552.31 | 398.46 | 6153.85 | 221538.46 |
| 25 | 2027-11 | 6541.54 | 387.69 | 6153.85 | 215384.62 |
| 26 | 2027-12 | 6530.77 | 376.92 | 6153.85 | 209230.77 |
| 27 | 2028-01 | 6520.00 | 366.15 | 6153.85 | 203076.92 |
| 28 | 2028-02 | 6509.23 | 355.38 | 6153.85 | 196923.08 |
| 29 | 2028-03 | 6498.46 | 344.62 | 6153.85 | 190769.23 |
| 30 | 2028-04 | 6487.69 | 333.85 | 6153.85 | 184615.38 |
| 31 | 2028-05 | 6476.92 | 323.08 | 6153.85 | 178461.54 |
| 32 | 2028-06 | 6466.15 | 312.31 | 6153.85 | 172307.69 |
| 33 | 2028-07 | 6455.38 | 301.54 | 6153.85 | 166153.85 |
| 34 | 2028-08 | 6444.62 | 290.77 | 6153.85 | 160000.00 |
| 35 | 2028-09 | 6433.85 | 280.00 | 6153.85 | 153846.15 |
| 36 | 2028-10 | 6423.08 | 269.23 | 6153.85 | 147692.31 |
| 37 | 2028-11 | 6412.31 | 258.46 | 6153.85 | 141538.46 |
| 38 | 2028-12 | 6401.54 | 247.69 | 6153.85 | 135384.62 |
| 39 | 2029-01 | 6390.77 | 236.92 | 6153.85 | 129230.77 |
| 40 | 2029-02 | 6380.00 | 226.15 | 6153.85 | 123076.92 |
| 41 | 2029-03 | 6369.23 | 215.38 | 6153.85 | 116923.08 |
| 42 | 2029-04 | 6358.46 | 204.62 | 6153.85 | 110769.23 |
| 43 | 2029-05 | 6347.69 | 193.85 | 6153.85 | 104615.38 |
| 44 | 2029-06 | 6336.92 | 183.08 | 6153.85 | 98461.54 |
| 45 | 2029-07 | 6326.15 | 172.31 | 6153.85 | 92307.69 |
| 46 | 2029-08 | 6315.38 | 161.54 | 6153.85 | 86153.85 |
| 47 | 2029-09 | 6304.62 | 150.77 | 6153.85 | 80000.00 |
| 48 | 2029-10 | 6293.85 | 140.00 | 6153.85 | 73846.15 |
| 49 | 2029-11 | 6283.08 | 129.23 | 6153.85 | 67692.31 |
| 50 | 2029-12 | 6272.31 | 118.46 | 6153.85 | 61538.46 |
| 51 | 2030-01 | 6261.54 | 107.69 | 6153.85 | 55384.62 |
| 52 | 2030-02 | 6250.77 | 96.92 | 6153.85 | 49230.77 |
| 53 | 2030-03 | 6240.00 | 86.15 | 6153.85 | 43076.92 |
| 54 | 2030-04 | 6229.23 | 75.38 | 6153.85 | 36923.08 |
| 55 | 2030-05 | 6218.46 | 64.62 | 6153.85 | 30769.23 |
| 56 | 2030-06 | 6207.69 | 53.85 | 6153.85 | 24615.38 |
| 57 | 2030-07 | 6196.92 | 43.08 | 6153.85 | 18461.54 |
| 58 | 2030-08 | 6186.15 | 32.31 | 6153.85 | 12307.69 |
| 59 | 2030-09 | 6175.38 | 21.54 | 6153.85 | 6153.85 |
| 60 | 2030-10 | 6164.62 | 10.77 | 6153.85 | 0.00 |