贷款61万（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：61万
还款月数：5年
每月还款：10785.59元
利息总额：3.71万
本息合计：64.71万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 10785.59 | 1194.58 | 9591.01 | 600408.99 |
| 2 | 2025-03 | 10785.59 | 1175.80 | 9609.79 | 590799.20 |
| 3 | 2025-04 | 10785.59 | 1156.98 | 9628.61 | 581170.59 |
| 4 | 2025-05 | 10785.59 | 1138.13 | 9647.47 | 571523.12 |
| 5 | 2025-06 | 10785.59 | 1119.23 | 9666.36 | 561856.76 |
| 6 | 2025-07 | 10785.59 | 1100.30 | 9685.29 | 552171.47 |
| 7 | 2025-08 | 10785.59 | 1081.34 | 9704.26 | 542467.21 |
| 8 | 2025-09 | 10785.59 | 1062.33 | 9723.26 | 532743.95 |
| 9 | 2025-10 | 10785.59 | 1043.29 | 9742.30 | 523001.65 |
| 10 | 2025-11 | 10785.59 | 1024.21 | 9761.38 | 513240.27 |
| 11 | 2025-12 | 10785.59 | 1005.10 | 9780.50 | 503459.77 |
| 12 | 2026-01 | 10785.59 | 985.94 | 9799.65 | 493660.12 |
| 13 | 2026-02 | 10785.59 | 966.75 | 9818.84 | 483841.28 |
| 14 | 2026-03 | 10785.59 | 947.52 | 9838.07 | 474003.21 |
| 15 | 2026-04 | 10785.59 | 928.26 | 9857.34 | 464145.87 |
| 16 | 2026-05 | 10785.59 | 908.95 | 9876.64 | 454269.23 |
| 17 | 2026-06 | 10785.59 | 889.61 | 9895.98 | 444373.25 |
| 18 | 2026-07 | 10785.59 | 870.23 | 9915.36 | 434457.89 |
| 19 | 2026-08 | 10785.59 | 850.81 | 9934.78 | 424523.11 |
| 20 | 2026-09 | 10785.59 | 831.36 | 9954.24 | 414568.87 |
| 21 | 2026-10 | 10785.59 | 811.86 | 9973.73 | 404595.14 |
| 22 | 2026-11 | 10785.59 | 792.33 | 9993.26 | 394601.88 |
| 23 | 2026-12 | 10785.59 | 772.76 | 10012.83 | 384589.05 |
| 24 | 2027-01 | 10785.59 | 753.15 | 10032.44 | 374556.61 |
| 25 | 2027-02 | 10785.59 | 733.51 | 10052.09 | 364504.53 |
| 26 | 2027-03 | 10785.59 | 713.82 | 10071.77 | 354432.76 |
| 27 | 2027-04 | 10785.59 | 694.10 | 10091.50 | 344341.26 |
| 28 | 2027-05 | 10785.59 | 674.33 | 10111.26 | 334230.00 |
| 29 | 2027-06 | 10785.59 | 654.53 | 10131.06 | 324098.94 |
| 30 | 2027-07 | 10785.59 | 634.69 | 10150.90 | 313948.05 |
| 31 | 2027-08 | 10785.59 | 614.81 | 10170.78 | 303777.27 |
| 32 | 2027-09 | 10785.59 | 594.90 | 10190.70 | 293586.57 |
| 33 | 2027-10 | 10785.59 | 574.94 | 10210.65 | 283375.92 |
| 34 | 2027-11 | 10785.59 | 554.94 | 10230.65 | 273145.27 |
| 35 | 2027-12 | 10785.59 | 534.91 | 10250.68 | 262894.59 |
| 36 | 2028-01 | 10785.59 | 514.84 | 10270.76 | 252623.83 |
| 37 | 2028-02 | 10785.59 | 494.72 | 10290.87 | 242332.96 |
| 38 | 2028-03 | 10785.59 | 474.57 | 10311.02 | 232021.93 |
| 39 | 2028-04 | 10785.59 | 454.38 | 10331.22 | 221690.72 |
| 40 | 2028-05 | 10785.59 | 434.14 | 10351.45 | 211339.27 |
| 41 | 2028-06 | 10785.59 | 413.87 | 10371.72 | 200967.55 |
| 42 | 2028-07 | 10785.59 | 393.56 | 10392.03 | 190575.52 |
| 43 | 2028-08 | 10785.59 | 373.21 | 10412.38 | 180163.14 |
| 44 | 2028-09 | 10785.59 | 352.82 | 10432.77 | 169730.36 |
| 45 | 2028-10 | 10785.59 | 332.39 | 10453.20 | 159277.16 |
| 46 | 2028-11 | 10785.59 | 311.92 | 10473.68 | 148803.48 |
| 47 | 2028-12 | 10785.59 | 291.41 | 10494.19 | 138309.30 |
| 48 | 2029-01 | 10785.59 | 270.86 | 10514.74 | 127794.56 |
| 49 | 2029-02 | 10785.59 | 250.26 | 10535.33 | 117259.23 |
| 50 | 2029-03 | 10785.59 | 229.63 | 10555.96 | 106703.27 |
| 51 | 2029-04 | 10785.59 | 208.96 | 10576.63 | 96126.64 |
| 52 | 2029-05 | 10785.59 | 188.25 | 10597.34 | 85529.30 |
| 53 | 2029-06 | 10785.59 | 167.49 | 10618.10 | 74911.20 |
| 54 | 2029-07 | 10785.59 | 146.70 | 10638.89 | 64272.31 |
| 55 | 2029-08 | 10785.59 | 125.87 | 10659.73 | 53612.58 |
| 56 | 2029-09 | 10785.59 | 104.99 | 10680.60 | 42931.98 |
| 57 | 2029-10 | 10785.59 | 84.08 | 10701.52 | 32230.46 |
| 58 | 2029-11 | 10785.59 | 63.12 | 10722.47 | 21507.99 |
| 59 | 2029-12 | 10785.59 | 42.12 | 10743.47 | 10764.51 |
| 60 | 2030-01 | 10785.59 | 21.08 | 10764.51 | 0.00 |
等额本金还款方式：
贷款总额：61万
还款月数：5年
首月还款：11361.25元
每月递减：19.91元
利息总额：3.64万
本息合计：64.64万
节省利息：700.78元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 11361.25 | 1194.58 | 10166.67 | 599833.33 |
| 2 | 2025-03 | 11341.34 | 1174.67 | 10166.67 | 589666.67 |
| 3 | 2025-04 | 11321.43 | 1154.76 | 10166.67 | 579500.00 |
| 4 | 2025-05 | 11301.52 | 1134.85 | 10166.67 | 569333.33 |
| 5 | 2025-06 | 11281.61 | 1114.94 | 10166.67 | 559166.67 |
| 6 | 2025-07 | 11261.70 | 1095.03 | 10166.67 | 549000.00 |
| 7 | 2025-08 | 11241.79 | 1075.13 | 10166.67 | 538833.33 |
| 8 | 2025-09 | 11221.88 | 1055.22 | 10166.67 | 528666.67 |
| 9 | 2025-10 | 11201.97 | 1035.31 | 10166.67 | 518500.00 |
| 10 | 2025-11 | 11182.06 | 1015.40 | 10166.67 | 508333.33 |
| 11 | 2025-12 | 11162.15 | 995.49 | 10166.67 | 498166.67 |
| 12 | 2026-01 | 11142.24 | 975.58 | 10166.67 | 488000.00 |
| 13 | 2026-02 | 11122.33 | 955.67 | 10166.67 | 477833.33 |
| 14 | 2026-03 | 11102.42 | 935.76 | 10166.67 | 467666.67 |
| 15 | 2026-04 | 11082.51 | 915.85 | 10166.67 | 457500.00 |
| 16 | 2026-05 | 11062.60 | 895.94 | 10166.67 | 447333.33 |
| 17 | 2026-06 | 11042.69 | 876.03 | 10166.67 | 437166.67 |
| 18 | 2026-07 | 11022.78 | 856.12 | 10166.67 | 427000.00 |
| 19 | 2026-08 | 11002.88 | 836.21 | 10166.67 | 416833.33 |
| 20 | 2026-09 | 10982.97 | 816.30 | 10166.67 | 406666.67 |
| 21 | 2026-10 | 10963.06 | 796.39 | 10166.67 | 396500.00 |
| 22 | 2026-11 | 10943.15 | 776.48 | 10166.67 | 386333.33 |
| 23 | 2026-12 | 10923.24 | 756.57 | 10166.67 | 376166.67 |
| 24 | 2027-01 | 10903.33 | 736.66 | 10166.67 | 366000.00 |
| 25 | 2027-02 | 10883.42 | 716.75 | 10166.67 | 355833.33 |
| 26 | 2027-03 | 10863.51 | 696.84 | 10166.67 | 345666.67 |
| 27 | 2027-04 | 10843.60 | 676.93 | 10166.67 | 335500.00 |
| 28 | 2027-05 | 10823.69 | 657.02 | 10166.67 | 325333.33 |
| 29 | 2027-06 | 10803.78 | 637.11 | 10166.67 | 315166.67 |
| 30 | 2027-07 | 10783.87 | 617.20 | 10166.67 | 305000.00 |
| 31 | 2027-08 | 10763.96 | 597.29 | 10166.67 | 294833.33 |
| 32 | 2027-09 | 10744.05 | 577.38 | 10166.67 | 284666.67 |
| 33 | 2027-10 | 10724.14 | 557.47 | 10166.67 | 274500.00 |
| 34 | 2027-11 | 10704.23 | 537.56 | 10166.67 | 264333.33 |
| 35 | 2027-12 | 10684.32 | 517.65 | 10166.67 | 254166.67 |
| 36 | 2028-01 | 10664.41 | 497.74 | 10166.67 | 244000.00 |
| 37 | 2028-02 | 10644.50 | 477.83 | 10166.67 | 233833.33 |
| 38 | 2028-03 | 10624.59 | 457.92 | 10166.67 | 223666.67 |
| 39 | 2028-04 | 10604.68 | 438.01 | 10166.67 | 213500.00 |
| 40 | 2028-05 | 10584.77 | 418.10 | 10166.67 | 203333.33 |
| 41 | 2028-06 | 10564.86 | 398.19 | 10166.67 | 193166.67 |
| 42 | 2028-07 | 10544.95 | 378.28 | 10166.67 | 183000.00 |
| 43 | 2028-08 | 10525.04 | 358.38 | 10166.67 | 172833.33 |
| 44 | 2028-09 | 10505.13 | 338.47 | 10166.67 | 162666.67 |
| 45 | 2028-10 | 10485.22 | 318.56 | 10166.67 | 152500.00 |
| 46 | 2028-11 | 10465.31 | 298.65 | 10166.67 | 142333.33 |
| 47 | 2028-12 | 10445.40 | 278.74 | 10166.67 | 132166.67 |
| 48 | 2029-01 | 10425.49 | 258.83 | 10166.67 | 122000.00 |
| 49 | 2029-02 | 10405.58 | 238.92 | 10166.67 | 111833.33 |
| 50 | 2029-03 | 10385.67 | 219.01 | 10166.67 | 101666.67 |
| 51 | 2029-04 | 10365.76 | 199.10 | 10166.67 | 91500.00 |
| 52 | 2029-05 | 10345.85 | 179.19 | 10166.67 | 81333.33 |
| 53 | 2029-06 | 10325.94 | 159.28 | 10166.67 | 71166.67 |
| 54 | 2029-07 | 10306.03 | 139.37 | 10166.67 | 61000.00 |
| 55 | 2029-08 | 10286.13 | 119.46 | 10166.67 | 50833.33 |
| 56 | 2029-09 | 10266.22 | 99.55 | 10166.67 | 40666.67 |
| 57 | 2029-10 | 10246.31 | 79.64 | 10166.67 | 30500.00 |
| 58 | 2029-11 | 10226.40 | 59.73 | 10166.67 | 20333.33 |
| 59 | 2029-12 | 10206.49 | 39.82 | 10166.67 | 10166.67 |
| 60 | 2030-01 | 10186.58 | 19.91 | 10166.67 | 0.00 |