贷款500元（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：500元
还款月数：5年
每月还款：9.04元
利息总额：42.4元
本息合计：542.4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 | 9.04 | 1.35 | 7.69 | 492.31 |
| 2 | 2025-02 | 9.04 | 1.33 | 7.71 | 484.61 |
| 3 | 2025-03 | 9.04 | 1.31 | 7.73 | 476.88 |
| 4 | 2025-04 | 9.04 | 1.29 | 7.75 | 469.13 |
| 5 | 2025-05 | 9.04 | 1.27 | 7.77 | 461.36 |
| 6 | 2025-06 | 9.04 | 1.25 | 7.79 | 453.57 |
| 7 | 2025-07 | 9.04 | 1.23 | 7.81 | 445.76 |
| 8 | 2025-08 | 9.04 | 1.21 | 7.83 | 437.93 |
| 9 | 2025-09 | 9.04 | 1.19 | 7.85 | 430.07 |
| 10 | 2025-10 | 9.04 | 1.16 | 7.88 | 422.20 |
| 11 | 2025-11 | 9.04 | 1.14 | 7.90 | 414.30 |
| 12 | 2025-12 | 9.04 | 1.12 | 7.92 | 406.38 |
| 13 | 2026-01 | 9.04 | 1.10 | 7.94 | 398.44 |
| 14 | 2026-02 | 9.04 | 1.08 | 7.96 | 390.48 |
| 15 | 2026-03 | 9.04 | 1.06 | 7.98 | 382.50 |
| 16 | 2026-04 | 9.04 | 1.04 | 8.00 | 374.50 |
| 17 | 2026-05 | 9.04 | 1.01 | 8.03 | 366.47 |
| 18 | 2026-06 | 9.04 | 0.99 | 8.05 | 358.42 |
| 19 | 2026-07 | 9.04 | 0.97 | 8.07 | 350.35 |
| 20 | 2026-08 | 9.04 | 0.95 | 8.09 | 342.26 |
| 21 | 2026-09 | 9.04 | 0.93 | 8.11 | 334.15 |
| 22 | 2026-10 | 9.04 | 0.90 | 8.14 | 326.02 |
| 23 | 2026-11 | 9.04 | 0.88 | 8.16 | 317.86 |
| 24 | 2026-12 | 9.04 | 0.86 | 8.18 | 309.68 |
| 25 | 2027-01 | 9.04 | 0.84 | 8.20 | 301.48 |
| 26 | 2027-02 | 9.04 | 0.82 | 8.22 | 293.25 |
| 27 | 2027-03 | 9.04 | 0.79 | 8.25 | 285.01 |
| 28 | 2027-04 | 9.04 | 0.77 | 8.27 | 276.74 |
| 29 | 2027-05 | 9.04 | 0.75 | 8.29 | 268.45 |
| 30 | 2027-06 | 9.04 | 0.73 | 8.31 | 260.14 |
| 31 | 2027-07 | 9.04 | 0.70 | 8.34 | 251.80 |
| 32 | 2027-08 | 9.04 | 0.68 | 8.36 | 243.44 |
| 33 | 2027-09 | 9.04 | 0.66 | 8.38 | 235.06 |
| 34 | 2027-10 | 9.04 | 0.64 | 8.40 | 226.66 |
| 35 | 2027-11 | 9.04 | 0.61 | 8.43 | 218.23 |
| 36 | 2027-12 | 9.04 | 0.59 | 8.45 | 209.78 |
| 37 | 2028-01 | 9.04 | 0.57 | 8.47 | 201.31 |
| 38 | 2028-02 | 9.04 | 0.55 | 8.49 | 192.82 |
| 39 | 2028-03 | 9.04 | 0.52 | 8.52 | 184.30 |
| 40 | 2028-04 | 9.04 | 0.50 | 8.54 | 175.76 |
| 41 | 2028-05 | 9.04 | 0.48 | 8.56 | 167.20 |
| 42 | 2028-06 | 9.04 | 0.45 | 8.59 | 158.61 |
| 43 | 2028-07 | 9.04 | 0.43 | 8.61 | 150.00 |
| 44 | 2028-08 | 9.04 | 0.41 | 8.63 | 141.36 |
| 45 | 2028-09 | 9.04 | 0.38 | 8.66 | 132.71 |
| 46 | 2028-10 | 9.04 | 0.36 | 8.68 | 124.03 |
| 47 | 2028-11 | 9.04 | 0.34 | 8.70 | 115.32 |
| 48 | 2028-12 | 9.04 | 0.31 | 8.73 | 106.59 |
| 49 | 2029-01 | 9.04 | 0.29 | 8.75 | 97.84 |
| 50 | 2029-02 | 9.04 | 0.26 | 8.78 | 89.07 |
| 51 | 2029-03 | 9.04 | 0.24 | 8.80 | 80.27 |
| 52 | 2029-04 | 9.04 | 0.22 | 8.82 | 71.45 |
| 53 | 2029-05 | 9.04 | 0.19 | 8.85 | 62.60 |
| 54 | 2029-06 | 9.04 | 0.17 | 8.87 | 53.73 |
| 55 | 2029-07 | 9.04 | 0.15 | 8.89 | 44.84 |
| 56 | 2029-08 | 9.04 | 0.12 | 8.92 | 35.92 |
| 57 | 2029-09 | 9.04 | 0.10 | 8.94 | 26.97 |
| 58 | 2029-10 | 9.04 | 0.07 | 8.97 | 18.01 |
| 59 | 2029-11 | 9.04 | 0.05 | 8.99 | 9.02 |
| 60 | 2029-12 | 9.04 | 0.02 | 9.02 | 0.00 |
等额本金还款方式：
贷款总额：500元
还款月数：5年
首月还款：9.69元
每月递减：0.02元
利息总额：41.3元
本息合计：541.3元
节省利息：1.1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 | 9.69 | 1.35 | 8.33 | 491.67 |
| 2 | 2025-02 | 9.66 | 1.33 | 8.33 | 483.33 |
| 3 | 2025-03 | 9.64 | 1.31 | 8.33 | 475.00 |
| 4 | 2025-04 | 9.62 | 1.29 | 8.33 | 466.67 |
| 5 | 2025-05 | 9.60 | 1.26 | 8.33 | 458.33 |
| 6 | 2025-06 | 9.57 | 1.24 | 8.33 | 450.00 |
| 7 | 2025-07 | 9.55 | 1.22 | 8.33 | 441.67 |
| 8 | 2025-08 | 9.53 | 1.20 | 8.33 | 433.33 |
| 9 | 2025-09 | 9.51 | 1.17 | 8.33 | 425.00 |
| 10 | 2025-10 | 9.48 | 1.15 | 8.33 | 416.67 |
| 11 | 2025-11 | 9.46 | 1.13 | 8.33 | 408.33 |
| 12 | 2025-12 | 9.44 | 1.11 | 8.33 | 400.00 |
| 13 | 2026-01 | 9.42 | 1.08 | 8.33 | 391.67 |
| 14 | 2026-02 | 9.39 | 1.06 | 8.33 | 383.33 |
| 15 | 2026-03 | 9.37 | 1.04 | 8.33 | 375.00 |
| 16 | 2026-04 | 9.35 | 1.02 | 8.33 | 366.67 |
| 17 | 2026-05 | 9.33 | 0.99 | 8.33 | 358.33 |
| 18 | 2026-06 | 9.30 | 0.97 | 8.33 | 350.00 |
| 19 | 2026-07 | 9.28 | 0.95 | 8.33 | 341.67 |
| 20 | 2026-08 | 9.26 | 0.93 | 8.33 | 333.33 |
| 21 | 2026-09 | 9.24 | 0.90 | 8.33 | 325.00 |
| 22 | 2026-10 | 9.21 | 0.88 | 8.33 | 316.67 |
| 23 | 2026-11 | 9.19 | 0.86 | 8.33 | 308.33 |
| 24 | 2026-12 | 9.17 | 0.84 | 8.33 | 300.00 |
| 25 | 2027-01 | 9.15 | 0.81 | 8.33 | 291.67 |
| 26 | 2027-02 | 9.12 | 0.79 | 8.33 | 283.33 |
| 27 | 2027-03 | 9.10 | 0.77 | 8.33 | 275.00 |
| 28 | 2027-04 | 9.08 | 0.74 | 8.33 | 266.67 |
| 29 | 2027-05 | 9.06 | 0.72 | 8.33 | 258.33 |
| 30 | 2027-06 | 9.03 | 0.70 | 8.33 | 250.00 |
| 31 | 2027-07 | 9.01 | 0.68 | 8.33 | 241.67 |
| 32 | 2027-08 | 8.99 | 0.65 | 8.33 | 233.33 |
| 33 | 2027-09 | 8.97 | 0.63 | 8.33 | 225.00 |
| 34 | 2027-10 | 8.94 | 0.61 | 8.33 | 216.67 |
| 35 | 2027-11 | 8.92 | 0.59 | 8.33 | 208.33 |
| 36 | 2027-12 | 8.90 | 0.56 | 8.33 | 200.00 |
| 37 | 2028-01 | 8.88 | 0.54 | 8.33 | 191.67 |
| 38 | 2028-02 | 8.85 | 0.52 | 8.33 | 183.33 |
| 39 | 2028-03 | 8.83 | 0.50 | 8.33 | 175.00 |
| 40 | 2028-04 | 8.81 | 0.47 | 8.33 | 166.67 |
| 41 | 2028-05 | 8.78 | 0.45 | 8.33 | 158.33 |
| 42 | 2028-06 | 8.76 | 0.43 | 8.33 | 150.00 |
| 43 | 2028-07 | 8.74 | 0.41 | 8.33 | 141.67 |
| 44 | 2028-08 | 8.72 | 0.38 | 8.33 | 133.33 |
| 45 | 2028-09 | 8.69 | 0.36 | 8.33 | 125.00 |
| 46 | 2028-10 | 8.67 | 0.34 | 8.33 | 116.67 |
| 47 | 2028-11 | 8.65 | 0.32 | 8.33 | 108.33 |
| 48 | 2028-12 | 8.63 | 0.29 | 8.33 | 100.00 |
| 49 | 2029-01 | 8.60 | 0.27 | 8.33 | 91.67 |
| 50 | 2029-02 | 8.58 | 0.25 | 8.33 | 83.33 |
| 51 | 2029-03 | 8.56 | 0.23 | 8.33 | 75.00 |
| 52 | 2029-04 | 8.54 | 0.20 | 8.33 | 66.67 |
| 53 | 2029-05 | 8.51 | 0.18 | 8.33 | 58.33 |
| 54 | 2029-06 | 8.49 | 0.16 | 8.33 | 50.00 |
| 55 | 2029-07 | 8.47 | 0.14 | 8.33 | 41.67 |
| 56 | 2029-08 | 8.45 | 0.11 | 8.33 | 33.33 |
| 57 | 2029-09 | 8.42 | 0.09 | 8.33 | 25.00 |
| 58 | 2029-10 | 8.40 | 0.07 | 8.33 | 16.67 |
| 59 | 2029-11 | 8.38 | 0.05 | 8.33 | 8.33 |
| 60 | 2029-12 | 8.36 | 0.02 | 8.33 | 0.00 |