贷款42.3万（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：42.3万
还款月数：5年
每月还款：7479.19元
利息总额：2.58万
本息合计：44.88万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 7479.19 | 828.37 | 6650.81 | 416349.19 |
| 2 | 2025-02 | 7479.19 | 815.35 | 6663.84 | 409685.35 |
| 3 | 2025-03 | 7479.19 | 802.30 | 6676.89 | 403008.46 |
| 4 | 2025-04 | 7479.19 | 789.22 | 6689.96 | 396318.49 |
| 5 | 2025-05 | 7479.19 | 776.12 | 6703.07 | 389615.43 |
| 6 | 2025-06 | 7479.19 | 763.00 | 6716.19 | 382899.23 |
| 7 | 2025-07 | 7479.19 | 749.84 | 6729.35 | 376169.89 |
| 8 | 2025-08 | 7479.19 | 736.67 | 6742.52 | 369427.36 |
| 9 | 2025-09 | 7479.19 | 723.46 | 6755.73 | 362671.64 |
| 10 | 2025-10 | 7479.19 | 710.23 | 6768.96 | 355902.68 |
| 11 | 2025-11 | 7479.19 | 696.98 | 6782.21 | 349120.46 |
| 12 | 2025-12 | 7479.19 | 683.69 | 6795.50 | 342324.97 |
| 13 | 2026-01 | 7479.19 | 670.39 | 6808.80 | 335516.17 |
| 14 | 2026-02 | 7479.19 | 657.05 | 6822.14 | 328694.03 |
| 15 | 2026-03 | 7479.19 | 643.69 | 6835.50 | 321858.53 |
| 16 | 2026-04 | 7479.19 | 630.31 | 6848.88 | 315009.65 |
| 17 | 2026-05 | 7479.19 | 616.89 | 6862.30 | 308147.35 |
| 18 | 2026-06 | 7479.19 | 603.46 | 6875.73 | 301271.62 |
| 19 | 2026-07 | 7479.19 | 589.99 | 6889.20 | 294382.42 |
| 20 | 2026-08 | 7479.19 | 576.50 | 6902.69 | 287479.73 |
| 21 | 2026-09 | 7479.19 | 562.98 | 6916.21 | 280563.52 |
| 22 | 2026-10 | 7479.19 | 549.44 | 6929.75 | 273633.77 |
| 23 | 2026-11 | 7479.19 | 535.87 | 6943.32 | 266690.44 |
| 24 | 2026-12 | 7479.19 | 522.27 | 6956.92 | 259733.52 |
| 25 | 2027-01 | 7479.19 | 508.64 | 6970.54 | 252762.98 |
| 26 | 2027-02 | 7479.19 | 494.99 | 6984.20 | 245778.78 |
| 27 | 2027-03 | 7479.19 | 481.32 | 6997.87 | 238780.91 |
| 28 | 2027-04 | 7479.19 | 467.61 | 7011.58 | 231769.33 |
| 29 | 2027-05 | 7479.19 | 453.88 | 7025.31 | 224744.02 |
| 30 | 2027-06 | 7479.19 | 440.12 | 7039.07 | 217704.96 |
| 31 | 2027-07 | 7479.19 | 426.34 | 7052.85 | 210652.11 |
| 32 | 2027-08 | 7479.19 | 412.53 | 7066.66 | 203585.44 |
| 33 | 2027-09 | 7479.19 | 398.69 | 7080.50 | 196504.94 |
| 34 | 2027-10 | 7479.19 | 384.82 | 7094.37 | 189410.57 |
| 35 | 2027-11 | 7479.19 | 370.93 | 7108.26 | 182302.31 |
| 36 | 2027-12 | 7479.19 | 357.01 | 7122.18 | 175180.13 |
| 37 | 2028-01 | 7479.19 | 343.06 | 7136.13 | 168044.00 |
| 38 | 2028-02 | 7479.19 | 329.09 | 7150.10 | 160893.90 |
| 39 | 2028-03 | 7479.19 | 315.08 | 7164.11 | 153729.79 |
| 40 | 2028-04 | 7479.19 | 301.05 | 7178.14 | 146551.66 |
| 41 | 2028-05 | 7479.19 | 287.00 | 7192.19 | 139359.46 |
| 42 | 2028-06 | 7479.19 | 272.91 | 7206.28 | 132153.19 |
| 43 | 2028-07 | 7479.19 | 258.80 | 7220.39 | 124932.80 |
| 44 | 2028-08 | 7479.19 | 244.66 | 7234.53 | 117698.27 |
| 45 | 2028-09 | 7479.19 | 230.49 | 7248.70 | 110449.57 |
| 46 | 2028-10 | 7479.19 | 216.30 | 7262.89 | 103186.68 |
| 47 | 2028-11 | 7479.19 | 202.07 | 7277.12 | 95909.56 |
| 48 | 2028-12 | 7479.19 | 187.82 | 7291.37 | 88618.20 |
| 49 | 2029-01 | 7479.19 | 173.54 | 7305.65 | 81312.55 |
| 50 | 2029-02 | 7479.19 | 159.24 | 7319.95 | 73992.60 |
| 51 | 2029-03 | 7479.19 | 144.90 | 7334.29 | 66658.31 |
| 52 | 2029-04 | 7479.19 | 130.54 | 7348.65 | 59309.66 |
| 53 | 2029-05 | 7479.19 | 116.15 | 7363.04 | 51946.62 |
| 54 | 2029-06 | 7479.19 | 101.73 | 7377.46 | 44569.16 |
| 55 | 2029-07 | 7479.19 | 87.28 | 7391.91 | 37177.25 |
| 56 | 2029-08 | 7479.19 | 72.81 | 7406.38 | 29770.86 |
| 57 | 2029-09 | 7479.19 | 58.30 | 7420.89 | 22349.97 |
| 58 | 2029-10 | 7479.19 | 43.77 | 7435.42 | 14914.55 |
| 59 | 2029-11 | 7479.19 | 29.21 | 7449.98 | 7464.57 |
| 60 | 2029-12 | 7479.19 | 14.62 | 7464.57 | 0.00 |
等额本金还款方式：
贷款总额：42.3万
还款月数：5年
首月还款：7878.38元
每月递减：13.81元
利息总额：2.53万
本息合计：44.83万
节省利息：485.95元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 7878.38 | 828.37 | 7050.00 | 415950.00 |
| 2 | 2025-02 | 7864.57 | 814.57 | 7050.00 | 408900.00 |
| 3 | 2025-03 | 7850.76 | 800.76 | 7050.00 | 401850.00 |
| 4 | 2025-04 | 7836.96 | 786.96 | 7050.00 | 394800.00 |
| 5 | 2025-05 | 7823.15 | 773.15 | 7050.00 | 387750.00 |
| 6 | 2025-06 | 7809.34 | 759.34 | 7050.00 | 380700.00 |
| 7 | 2025-07 | 7795.54 | 745.54 | 7050.00 | 373650.00 |
| 8 | 2025-08 | 7781.73 | 731.73 | 7050.00 | 366600.00 |
| 9 | 2025-09 | 7767.93 | 717.92 | 7050.00 | 359550.00 |
| 10 | 2025-10 | 7754.12 | 704.12 | 7050.00 | 352500.00 |
| 11 | 2025-11 | 7740.31 | 690.31 | 7050.00 | 345450.00 |
| 12 | 2025-12 | 7726.51 | 676.51 | 7050.00 | 338400.00 |
| 13 | 2026-01 | 7712.70 | 662.70 | 7050.00 | 331350.00 |
| 14 | 2026-02 | 7698.89 | 648.89 | 7050.00 | 324300.00 |
| 15 | 2026-03 | 7685.09 | 635.09 | 7050.00 | 317250.00 |
| 16 | 2026-04 | 7671.28 | 621.28 | 7050.00 | 310200.00 |
| 17 | 2026-05 | 7657.48 | 607.47 | 7050.00 | 303150.00 |
| 18 | 2026-06 | 7643.67 | 593.67 | 7050.00 | 296100.00 |
| 19 | 2026-07 | 7629.86 | 579.86 | 7050.00 | 289050.00 |
| 20 | 2026-08 | 7616.06 | 566.06 | 7050.00 | 282000.00 |
| 21 | 2026-09 | 7602.25 | 552.25 | 7050.00 | 274950.00 |
| 22 | 2026-10 | 7588.44 | 538.44 | 7050.00 | 267900.00 |
| 23 | 2026-11 | 7574.64 | 524.64 | 7050.00 | 260850.00 |
| 24 | 2026-12 | 7560.83 | 510.83 | 7050.00 | 253800.00 |
| 25 | 2027-01 | 7547.02 | 497.02 | 7050.00 | 246750.00 |
| 26 | 2027-02 | 7533.22 | 483.22 | 7050.00 | 239700.00 |
| 27 | 2027-03 | 7519.41 | 469.41 | 7050.00 | 232650.00 |
| 28 | 2027-04 | 7505.61 | 455.61 | 7050.00 | 225600.00 |
| 29 | 2027-05 | 7491.80 | 441.80 | 7050.00 | 218550.00 |
| 30 | 2027-06 | 7477.99 | 427.99 | 7050.00 | 211500.00 |
| 31 | 2027-07 | 7464.19 | 414.19 | 7050.00 | 204450.00 |
| 32 | 2027-08 | 7450.38 | 400.38 | 7050.00 | 197400.00 |
| 33 | 2027-09 | 7436.57 | 386.57 | 7050.00 | 190350.00 |
| 34 | 2027-10 | 7422.77 | 372.77 | 7050.00 | 183300.00 |
| 35 | 2027-11 | 7408.96 | 358.96 | 7050.00 | 176250.00 |
| 36 | 2027-12 | 7395.16 | 345.16 | 7050.00 | 169200.00 |
| 37 | 2028-01 | 7381.35 | 331.35 | 7050.00 | 162150.00 |
| 38 | 2028-02 | 7367.54 | 317.54 | 7050.00 | 155100.00 |
| 39 | 2028-03 | 7353.74 | 303.74 | 7050.00 | 148050.00 |
| 40 | 2028-04 | 7339.93 | 289.93 | 7050.00 | 141000.00 |
| 41 | 2028-05 | 7326.13 | 276.13 | 7050.00 | 133950.00 |
| 42 | 2028-06 | 7312.32 | 262.32 | 7050.00 | 126900.00 |
| 43 | 2028-07 | 7298.51 | 248.51 | 7050.00 | 119850.00 |
| 44 | 2028-08 | 7284.71 | 234.71 | 7050.00 | 112800.00 |
| 45 | 2028-09 | 7270.90 | 220.90 | 7050.00 | 105750.00 |
| 46 | 2028-10 | 7257.09 | 207.09 | 7050.00 | 98700.00 |
| 47 | 2028-11 | 7243.29 | 193.29 | 7050.00 | 91650.00 |
| 48 | 2028-12 | 7229.48 | 179.48 | 7050.00 | 84600.00 |
| 49 | 2029-01 | 7215.68 | 165.67 | 7050.00 | 77550.00 |
| 50 | 2029-02 | 7201.87 | 151.87 | 7050.00 | 70500.00 |
| 51 | 2029-03 | 7188.06 | 138.06 | 7050.00 | 63450.00 |
| 52 | 2029-04 | 7174.26 | 124.26 | 7050.00 | 56400.00 |
| 53 | 2029-05 | 7160.45 | 110.45 | 7050.00 | 49350.00 |
| 54 | 2029-06 | 7146.64 | 96.64 | 7050.00 | 42300.00 |
| 55 | 2029-07 | 7132.84 | 82.84 | 7050.00 | 35250.00 |
| 56 | 2029-08 | 7119.03 | 69.03 | 7050.00 | 28200.00 |
| 57 | 2029-09 | 7105.23 | 55.22 | 7050.00 | 21150.00 |
| 58 | 2029-10 | 7091.42 | 41.42 | 7050.00 | 14100.00 |
| 59 | 2029-11 | 7077.61 | 27.61 | 7050.00 | 7050.00 |
| 60 | 2029-12 | 7063.81 | 13.81 | 7050.00 | 0.00 |