贷款4万（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：4万
还款月数：5年
每月还款：723.2元
利息总额：3392.01元
本息合计：4.34万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 723.20 | 108.33 | 614.87 | 39385.13 |
| 2 | 2026-03 | 723.20 | 106.67 | 616.53 | 38768.60 |
| 3 | 2026-04 | 723.20 | 105.00 | 618.20 | 38150.40 |
| 4 | 2026-05 | 723.20 | 103.32 | 619.88 | 37530.52 |
| 5 | 2026-06 | 723.20 | 101.65 | 621.55 | 36908.97 |
| 6 | 2026-07 | 723.20 | 99.96 | 623.24 | 36285.73 |
| 7 | 2026-08 | 723.20 | 98.27 | 624.93 | 35660.80 |
| 8 | 2026-09 | 723.20 | 96.58 | 626.62 | 35034.19 |
| 9 | 2026-10 | 723.20 | 94.88 | 628.32 | 34405.87 |
| 10 | 2026-11 | 723.20 | 93.18 | 630.02 | 33775.85 |
| 11 | 2026-12 | 723.20 | 91.48 | 631.72 | 33144.13 |
| 12 | 2027-01 | 723.20 | 89.77 | 633.43 | 32510.69 |
| 13 | 2027-02 | 723.20 | 88.05 | 635.15 | 31875.54 |
| 14 | 2027-03 | 723.20 | 86.33 | 636.87 | 31238.67 |
| 15 | 2027-04 | 723.20 | 84.60 | 638.60 | 30600.08 |
| 16 | 2027-05 | 723.20 | 82.88 | 640.32 | 29959.75 |
| 17 | 2027-06 | 723.20 | 81.14 | 642.06 | 29317.69 |
| 18 | 2027-07 | 723.20 | 79.40 | 643.80 | 28673.90 |
| 19 | 2027-08 | 723.20 | 77.66 | 645.54 | 28028.35 |
| 20 | 2027-09 | 723.20 | 75.91 | 647.29 | 27381.06 |
| 21 | 2027-10 | 723.20 | 74.16 | 649.04 | 26732.02 |
| 22 | 2027-11 | 723.20 | 72.40 | 650.80 | 26081.22 |
| 23 | 2027-12 | 723.20 | 70.64 | 652.56 | 25428.66 |
| 24 | 2028-01 | 723.20 | 68.87 | 654.33 | 24774.33 |
| 25 | 2028-02 | 723.20 | 67.10 | 656.10 | 24118.22 |
| 26 | 2028-03 | 723.20 | 65.32 | 657.88 | 23460.34 |
| 27 | 2028-04 | 723.20 | 63.54 | 659.66 | 22800.68 |
| 28 | 2028-05 | 723.20 | 61.75 | 661.45 | 22139.23 |
| 29 | 2028-06 | 723.20 | 59.96 | 663.24 | 21475.99 |
| 30 | 2028-07 | 723.20 | 58.16 | 665.04 | 20810.96 |
| 31 | 2028-08 | 723.20 | 56.36 | 666.84 | 20144.12 |
| 32 | 2028-09 | 723.20 | 54.56 | 668.64 | 19475.48 |
| 33 | 2028-10 | 723.20 | 52.75 | 670.45 | 18805.02 |
| 34 | 2028-11 | 723.20 | 50.93 | 672.27 | 18132.75 |
| 35 | 2028-12 | 723.20 | 49.11 | 674.09 | 17458.66 |
| 36 | 2029-01 | 723.20 | 47.28 | 675.92 | 16782.75 |
| 37 | 2029-02 | 723.20 | 45.45 | 677.75 | 16105.00 |
| 38 | 2029-03 | 723.20 | 43.62 | 679.58 | 15425.42 |
| 39 | 2029-04 | 723.20 | 41.78 | 681.42 | 14743.99 |
| 40 | 2029-05 | 723.20 | 39.93 | 683.27 | 14060.73 |
| 41 | 2029-06 | 723.20 | 38.08 | 685.12 | 13375.61 |
| 42 | 2029-07 | 723.20 | 36.23 | 686.97 | 12688.63 |
| 43 | 2029-08 | 723.20 | 34.37 | 688.84 | 11999.80 |
| 44 | 2029-09 | 723.20 | 32.50 | 690.70 | 11309.10 |
| 45 | 2029-10 | 723.20 | 30.63 | 692.57 | 10616.53 |
| 46 | 2029-11 | 723.20 | 28.75 | 694.45 | 9922.08 |
| 47 | 2029-12 | 723.20 | 26.87 | 696.33 | 9225.75 |
| 48 | 2030-01 | 723.20 | 24.99 | 698.21 | 8527.54 |
| 49 | 2030-02 | 723.20 | 23.10 | 700.10 | 7827.43 |
| 50 | 2030-03 | 723.20 | 21.20 | 702.00 | 7125.43 |
| 51 | 2030-04 | 723.20 | 19.30 | 703.90 | 6421.53 |
| 52 | 2030-05 | 723.20 | 17.39 | 705.81 | 5715.72 |
| 53 | 2030-06 | 723.20 | 15.48 | 707.72 | 5008.00 |
| 54 | 2030-07 | 723.20 | 13.56 | 709.64 | 4298.36 |
| 55 | 2030-08 | 723.20 | 11.64 | 711.56 | 3586.81 |
| 56 | 2030-09 | 723.20 | 9.71 | 713.49 | 2873.32 |
| 57 | 2030-10 | 723.20 | 7.78 | 715.42 | 2157.90 |
| 58 | 2030-11 | 723.20 | 5.84 | 717.36 | 1440.55 |
| 59 | 2030-12 | 723.20 | 3.90 | 719.30 | 721.25 |
| 60 | 2031-01 | 723.20 | 1.95 | 721.25 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：5年
首月还款：775元
每月递减：1.81元
利息总额：3304.17元
本息合计：4.33万
节省利息：87.84元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 775.00 | 108.33 | 666.67 | 39333.33 |
| 2 | 2026-03 | 773.19 | 106.53 | 666.67 | 38666.67 |
| 3 | 2026-04 | 771.39 | 104.72 | 666.67 | 38000.00 |
| 4 | 2026-05 | 769.58 | 102.92 | 666.67 | 37333.33 |
| 5 | 2026-06 | 767.78 | 101.11 | 666.67 | 36666.67 |
| 6 | 2026-07 | 765.97 | 99.31 | 666.67 | 36000.00 |
| 7 | 2026-08 | 764.17 | 97.50 | 666.67 | 35333.33 |
| 8 | 2026-09 | 762.36 | 95.69 | 666.67 | 34666.67 |
| 9 | 2026-10 | 760.56 | 93.89 | 666.67 | 34000.00 |
| 10 | 2026-11 | 758.75 | 92.08 | 666.67 | 33333.33 |
| 11 | 2026-12 | 756.94 | 90.28 | 666.67 | 32666.67 |
| 12 | 2027-01 | 755.14 | 88.47 | 666.67 | 32000.00 |
| 13 | 2027-02 | 753.33 | 86.67 | 666.67 | 31333.33 |
| 14 | 2027-03 | 751.53 | 84.86 | 666.67 | 30666.67 |
| 15 | 2027-04 | 749.72 | 83.06 | 666.67 | 30000.00 |
| 16 | 2027-05 | 747.92 | 81.25 | 666.67 | 29333.33 |
| 17 | 2027-06 | 746.11 | 79.44 | 666.67 | 28666.67 |
| 18 | 2027-07 | 744.31 | 77.64 | 666.67 | 28000.00 |
| 19 | 2027-08 | 742.50 | 75.83 | 666.67 | 27333.33 |
| 20 | 2027-09 | 740.69 | 74.03 | 666.67 | 26666.67 |
| 21 | 2027-10 | 738.89 | 72.22 | 666.67 | 26000.00 |
| 22 | 2027-11 | 737.08 | 70.42 | 666.67 | 25333.33 |
| 23 | 2027-12 | 735.28 | 68.61 | 666.67 | 24666.67 |
| 24 | 2028-01 | 733.47 | 66.81 | 666.67 | 24000.00 |
| 25 | 2028-02 | 731.67 | 65.00 | 666.67 | 23333.33 |
| 26 | 2028-03 | 729.86 | 63.19 | 666.67 | 22666.67 |
| 27 | 2028-04 | 728.06 | 61.39 | 666.67 | 22000.00 |
| 28 | 2028-05 | 726.25 | 59.58 | 666.67 | 21333.33 |
| 29 | 2028-06 | 724.44 | 57.78 | 666.67 | 20666.67 |
| 30 | 2028-07 | 722.64 | 55.97 | 666.67 | 20000.00 |
| 31 | 2028-08 | 720.83 | 54.17 | 666.67 | 19333.33 |
| 32 | 2028-09 | 719.03 | 52.36 | 666.67 | 18666.67 |
| 33 | 2028-10 | 717.22 | 50.56 | 666.67 | 18000.00 |
| 34 | 2028-11 | 715.42 | 48.75 | 666.67 | 17333.33 |
| 35 | 2028-12 | 713.61 | 46.94 | 666.67 | 16666.67 |
| 36 | 2029-01 | 711.81 | 45.14 | 666.67 | 16000.00 |
| 37 | 2029-02 | 710.00 | 43.33 | 666.67 | 15333.33 |
| 38 | 2029-03 | 708.19 | 41.53 | 666.67 | 14666.67 |
| 39 | 2029-04 | 706.39 | 39.72 | 666.67 | 14000.00 |
| 40 | 2029-05 | 704.58 | 37.92 | 666.67 | 13333.33 |
| 41 | 2029-06 | 702.78 | 36.11 | 666.67 | 12666.67 |
| 42 | 2029-07 | 700.97 | 34.31 | 666.67 | 12000.00 |
| 43 | 2029-08 | 699.17 | 32.50 | 666.67 | 11333.33 |
| 44 | 2029-09 | 697.36 | 30.69 | 666.67 | 10666.67 |
| 45 | 2029-10 | 695.56 | 28.89 | 666.67 | 10000.00 |
| 46 | 2029-11 | 693.75 | 27.08 | 666.67 | 9333.33 |
| 47 | 2029-12 | 691.94 | 25.28 | 666.67 | 8666.67 |
| 48 | 2030-01 | 690.14 | 23.47 | 666.67 | 8000.00 |
| 49 | 2030-02 | 688.33 | 21.67 | 666.67 | 7333.33 |
| 50 | 2030-03 | 686.53 | 19.86 | 666.67 | 6666.67 |
| 51 | 2030-04 | 684.72 | 18.06 | 666.67 | 6000.00 |
| 52 | 2030-05 | 682.92 | 16.25 | 666.67 | 5333.33 |
| 53 | 2030-06 | 681.11 | 14.44 | 666.67 | 4666.67 |
| 54 | 2030-07 | 679.31 | 12.64 | 666.67 | 4000.00 |
| 55 | 2030-08 | 677.50 | 10.83 | 666.67 | 3333.33 |
| 56 | 2030-09 | 675.69 | 9.03 | 666.67 | 2666.67 |
| 57 | 2030-10 | 673.89 | 7.22 | 666.67 | 2000.00 |
| 58 | 2030-11 | 672.08 | 5.42 | 666.67 | 1333.33 |
| 59 | 2030-12 | 670.28 | 3.61 | 666.67 | 666.67 |
| 60 | 2031-01 | 668.47 | 1.81 | 666.67 | 0.00 |