贷款15.15万（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：15.15万
还款月数：5年
每月还款：2739.36元
利息总额：1.28万
本息合计：16.44万
| 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 | 2739.36 | 410.35 | 2329.01 | 149183.99 |
| 2 | 2025-03 | 2739.36 | 404.04 | 2335.32 | 146848.68 |
| 3 | 2025-04 | 2739.36 | 397.72 | 2341.64 | 144507.04 |
| 4 | 2025-05 | 2739.36 | 391.37 | 2347.98 | 142159.05 |
| 5 | 2025-06 | 2739.36 | 385.01 | 2354.34 | 139804.71 |
| 6 | 2025-07 | 2739.36 | 378.64 | 2360.72 | 137444.00 |
| 7 | 2025-08 | 2739.36 | 372.24 | 2367.11 | 135076.88 |
| 8 | 2025-09 | 2739.36 | 365.83 | 2373.52 | 132703.36 |
| 9 | 2025-10 | 2739.36 | 359.40 | 2379.95 | 130323.41 |
| 10 | 2025-11 | 2739.36 | 352.96 | 2386.40 | 127937.02 |
| 11 | 2025-12 | 2739.36 | 346.50 | 2392.86 | 125544.16 |
| 12 | 2026-01 | 2739.36 | 340.02 | 2399.34 | 123144.82 |
| 13 | 2026-02 | 2739.36 | 333.52 | 2405.84 | 120738.98 |
| 14 | 2026-03 | 2739.36 | 327.00 | 2412.35 | 118326.62 |
| 15 | 2026-04 | 2739.36 | 320.47 | 2418.89 | 115907.74 |
| 16 | 2026-05 | 2739.36 | 313.92 | 2425.44 | 113482.30 |
| 17 | 2026-06 | 2739.36 | 307.35 | 2432.01 | 111050.29 |
| 18 | 2026-07 | 2739.36 | 300.76 | 2438.59 | 108611.70 |
| 19 | 2026-08 | 2739.36 | 294.16 | 2445.20 | 106166.50 |
| 20 | 2026-09 | 2739.36 | 287.53 | 2451.82 | 103714.68 |
| 21 | 2026-10 | 2739.36 | 280.89 | 2458.46 | 101256.22 |
| 22 | 2026-11 | 2739.36 | 274.24 | 2465.12 | 98791.10 |
| 23 | 2026-12 | 2739.36 | 267.56 | 2471.80 | 96319.30 |
| 24 | 2027-01 | 2739.36 | 260.86 | 2478.49 | 93840.81 |
| 25 | 2027-02 | 2739.36 | 254.15 | 2485.20 | 91355.61 |
| 26 | 2027-03 | 2739.36 | 247.42 | 2491.93 | 88863.67 |
| 27 | 2027-04 | 2739.36 | 240.67 | 2498.68 | 86364.99 |
| 28 | 2027-05 | 2739.36 | 233.91 | 2505.45 | 83859.54 |
| 29 | 2027-06 | 2739.36 | 227.12 | 2512.24 | 81347.30 |
| 30 | 2027-07 | 2739.36 | 220.32 | 2519.04 | 78828.26 |
| 31 | 2027-08 | 2739.36 | 213.49 | 2525.86 | 76302.40 |
| 32 | 2027-09 | 2739.36 | 206.65 | 2532.70 | 73769.70 |
| 33 | 2027-10 | 2739.36 | 199.79 | 2539.56 | 71230.13 |
| 34 | 2027-11 | 2739.36 | 192.91 | 2546.44 | 68683.69 |
| 35 | 2027-12 | 2739.36 | 186.02 | 2553.34 | 66130.36 |
| 36 | 2028-01 | 2739.36 | 179.10 | 2560.25 | 63570.11 |
| 37 | 2028-02 | 2739.36 | 172.17 | 2567.19 | 61002.92 |
| 38 | 2028-03 | 2739.36 | 165.22 | 2574.14 | 58428.78 |
| 39 | 2028-04 | 2739.36 | 158.24 | 2581.11 | 55847.67 |
| 40 | 2028-05 | 2739.36 | 151.25 | 2588.10 | 53259.57 |
| 41 | 2028-06 | 2739.36 | 144.24 | 2595.11 | 50664.46 |
| 42 | 2028-07 | 2739.36 | 137.22 | 2602.14 | 48062.32 |
| 43 | 2028-08 | 2739.36 | 130.17 | 2609.19 | 45453.13 |
| 44 | 2028-09 | 2739.36 | 123.10 | 2616.25 | 42836.88 |
| 45 | 2028-10 | 2739.36 | 116.02 | 2623.34 | 40213.54 |
| 46 | 2028-11 | 2739.36 | 108.91 | 2630.44 | 37583.10 |
| 47 | 2028-12 | 2739.36 | 101.79 | 2637.57 | 34945.53 |
| 48 | 2029-01 | 2739.36 | 94.64 | 2644.71 | 32300.82 |
| 49 | 2029-02 | 2739.36 | 87.48 | 2651.87 | 29648.94 |
| 50 | 2029-03 | 2739.36 | 80.30 | 2659.06 | 26989.89 |
| 51 | 2029-04 | 2739.36 | 73.10 | 2666.26 | 24323.63 |
| 52 | 2029-05 | 2739.36 | 65.88 | 2673.48 | 21650.15 |
| 53 | 2029-06 | 2739.36 | 58.64 | 2680.72 | 18969.43 |
| 54 | 2029-07 | 2739.36 | 51.38 | 2687.98 | 16281.45 |
| 55 | 2029-08 | 2739.36 | 44.10 | 2695.26 | 13586.19 |
| 56 | 2029-09 | 2739.36 | 36.80 | 2702.56 | 10883.63 |
| 57 | 2029-10 | 2739.36 | 29.48 | 2709.88 | 8173.75 |
| 58 | 2029-11 | 2739.36 | 22.14 | 2717.22 | 5456.53 |
| 59 | 2029-12 | 2739.36 | 14.78 | 2724.58 | 2731.96 |
| 60 | 2030-01 | 2739.36 | 7.40 | 2731.96 | 0.00 |
等额本金还款方式：
贷款总额：15.15万
还款月数：5年
首月还款：2935.56元
每月递减：6.84元
利息总额：1.25万
本息合计：16.4万
节省利息：332.72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 | 2935.56 | 410.35 | 2525.22 | 148987.78 |
| 2 | 2025-03 | 2928.73 | 403.51 | 2525.22 | 146462.57 |
| 3 | 2025-04 | 2921.89 | 396.67 | 2525.22 | 143937.35 |
| 4 | 2025-05 | 2915.05 | 389.83 | 2525.22 | 141412.13 |
| 5 | 2025-06 | 2908.21 | 382.99 | 2525.22 | 138886.92 |
| 6 | 2025-07 | 2901.37 | 376.15 | 2525.22 | 136361.70 |
| 7 | 2025-08 | 2894.53 | 369.31 | 2525.22 | 133836.48 |
| 8 | 2025-09 | 2887.69 | 362.47 | 2525.22 | 131311.27 |
| 9 | 2025-10 | 2880.85 | 355.63 | 2525.22 | 128786.05 |
| 10 | 2025-11 | 2874.01 | 348.80 | 2525.22 | 126260.83 |
| 11 | 2025-12 | 2867.17 | 341.96 | 2525.22 | 123735.62 |
| 12 | 2026-01 | 2860.33 | 335.12 | 2525.22 | 121210.40 |
| 13 | 2026-02 | 2853.49 | 328.28 | 2525.22 | 118685.18 |
| 14 | 2026-03 | 2846.66 | 321.44 | 2525.22 | 116159.97 |
| 15 | 2026-04 | 2839.82 | 314.60 | 2525.22 | 113634.75 |
| 16 | 2026-05 | 2832.98 | 307.76 | 2525.22 | 111109.53 |
| 17 | 2026-06 | 2826.14 | 300.92 | 2525.22 | 108584.32 |
| 18 | 2026-07 | 2819.30 | 294.08 | 2525.22 | 106059.10 |
| 19 | 2026-08 | 2812.46 | 287.24 | 2525.22 | 103533.88 |
| 20 | 2026-09 | 2805.62 | 280.40 | 2525.22 | 101008.67 |
| 21 | 2026-10 | 2798.78 | 273.57 | 2525.22 | 98483.45 |
| 22 | 2026-11 | 2791.94 | 266.73 | 2525.22 | 95958.23 |
| 23 | 2026-12 | 2785.10 | 259.89 | 2525.22 | 93433.02 |
| 24 | 2027-01 | 2778.26 | 253.05 | 2525.22 | 90907.80 |
| 25 | 2027-02 | 2771.43 | 246.21 | 2525.22 | 88382.58 |
| 26 | 2027-03 | 2764.59 | 239.37 | 2525.22 | 85857.37 |
| 27 | 2027-04 | 2757.75 | 232.53 | 2525.22 | 83332.15 |
| 28 | 2027-05 | 2750.91 | 225.69 | 2525.22 | 80806.93 |
| 29 | 2027-06 | 2744.07 | 218.85 | 2525.22 | 78281.72 |
| 30 | 2027-07 | 2737.23 | 212.01 | 2525.22 | 75756.50 |
| 31 | 2027-08 | 2730.39 | 205.17 | 2525.22 | 73231.28 |
| 32 | 2027-09 | 2723.55 | 198.33 | 2525.22 | 70706.07 |
| 33 | 2027-10 | 2716.71 | 191.50 | 2525.22 | 68180.85 |
| 34 | 2027-11 | 2709.87 | 184.66 | 2525.22 | 65655.63 |
| 35 | 2027-12 | 2703.03 | 177.82 | 2525.22 | 63130.42 |
| 36 | 2028-01 | 2696.19 | 170.98 | 2525.22 | 60605.20 |
| 37 | 2028-02 | 2689.36 | 164.14 | 2525.22 | 58079.98 |
| 38 | 2028-03 | 2682.52 | 157.30 | 2525.22 | 55554.77 |
| 39 | 2028-04 | 2675.68 | 150.46 | 2525.22 | 53029.55 |
| 40 | 2028-05 | 2668.84 | 143.62 | 2525.22 | 50504.33 |
| 41 | 2028-06 | 2662.00 | 136.78 | 2525.22 | 47979.12 |
| 42 | 2028-07 | 2655.16 | 129.94 | 2525.22 | 45453.90 |
| 43 | 2028-08 | 2648.32 | 123.10 | 2525.22 | 42928.68 |
| 44 | 2028-09 | 2641.48 | 116.27 | 2525.22 | 40403.47 |
| 45 | 2028-10 | 2634.64 | 109.43 | 2525.22 | 37878.25 |
| 46 | 2028-11 | 2627.80 | 102.59 | 2525.22 | 35353.03 |
| 47 | 2028-12 | 2620.96 | 95.75 | 2525.22 | 32827.82 |
| 48 | 2029-01 | 2614.13 | 88.91 | 2525.22 | 30302.60 |
| 49 | 2029-02 | 2607.29 | 82.07 | 2525.22 | 27777.38 |
| 50 | 2029-03 | 2600.45 | 75.23 | 2525.22 | 25252.17 |
| 51 | 2029-04 | 2593.61 | 68.39 | 2525.22 | 22726.95 |
| 52 | 2029-05 | 2586.77 | 61.55 | 2525.22 | 20201.73 |
| 53 | 2029-06 | 2579.93 | 54.71 | 2525.22 | 17676.52 |
| 54 | 2029-07 | 2573.09 | 47.87 | 2525.22 | 15151.30 |
| 55 | 2029-08 | 2566.25 | 41.03 | 2525.22 | 12626.08 |
| 56 | 2029-09 | 2559.41 | 34.20 | 2525.22 | 10100.87 |
| 57 | 2029-10 | 2552.57 | 27.36 | 2525.22 | 7575.65 |
| 58 | 2029-11 | 2545.73 | 20.52 | 2525.22 | 5050.43 |
| 59 | 2029-12 | 2538.89 | 13.68 | 2525.22 | 2525.22 |
| 60 | 2030-01 | 2532.06 | 6.84 | 2525.22 | 0.00 |