贷款8万（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：8万
还款月数：5年
每月还款：1428.62元
利息总额：5717.49元
本息合计：8.57万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 1428.62 | 183.33 | 1245.29 | 78754.71 |
| 2 | 2024-05 | 1428.62 | 180.48 | 1248.15 | 77506.56 |
| 3 | 2024-06 | 1428.62 | 177.62 | 1251.01 | 76255.56 |
| 4 | 2024-07 | 1428.62 | 174.75 | 1253.87 | 75001.69 |
| 5 | 2024-08 | 1428.62 | 171.88 | 1256.75 | 73744.94 |
| 6 | 2024-09 | 1428.62 | 169.00 | 1259.63 | 72485.31 |
| 7 | 2024-10 | 1428.62 | 166.11 | 1262.51 | 71222.80 |
| 8 | 2024-11 | 1428.62 | 163.22 | 1265.41 | 69957.39 |
| 9 | 2024-12 | 1428.62 | 160.32 | 1268.31 | 68689.09 |
| 10 | 2025-01 | 1428.62 | 157.41 | 1271.21 | 67417.88 |
| 11 | 2025-02 | 1428.62 | 154.50 | 1274.13 | 66143.75 |
| 12 | 2025-03 | 1428.62 | 151.58 | 1277.05 | 64866.71 |
| 13 | 2025-04 | 1428.62 | 148.65 | 1279.97 | 63586.73 |
| 14 | 2025-05 | 1428.62 | 145.72 | 1282.91 | 62303.83 |
| 15 | 2025-06 | 1428.62 | 142.78 | 1285.85 | 61017.98 |
| 16 | 2025-07 | 1428.62 | 139.83 | 1288.79 | 59729.19 |
| 17 | 2025-08 | 1428.62 | 136.88 | 1291.75 | 58437.45 |
| 18 | 2025-09 | 1428.62 | 133.92 | 1294.71 | 57142.74 |
| 19 | 2025-10 | 1428.62 | 130.95 | 1297.67 | 55845.07 |
| 20 | 2025-11 | 1428.62 | 127.98 | 1300.65 | 54544.42 |
| 21 | 2025-12 | 1428.62 | 125.00 | 1303.63 | 53240.79 |
| 22 | 2026-01 | 1428.62 | 122.01 | 1306.61 | 51934.18 |
| 23 | 2026-02 | 1428.62 | 119.02 | 1309.61 | 50624.57 |
| 24 | 2026-03 | 1428.62 | 116.01 | 1312.61 | 49311.96 |
| 25 | 2026-04 | 1428.62 | 113.01 | 1315.62 | 47996.34 |
| 26 | 2026-05 | 1428.62 | 109.99 | 1318.63 | 46677.71 |
| 27 | 2026-06 | 1428.62 | 106.97 | 1321.66 | 45356.05 |
| 28 | 2026-07 | 1428.62 | 103.94 | 1324.68 | 44031.37 |
| 29 | 2026-08 | 1428.62 | 100.91 | 1327.72 | 42703.65 |
| 30 | 2026-09 | 1428.62 | 97.86 | 1330.76 | 41372.89 |
| 31 | 2026-10 | 1428.62 | 94.81 | 1333.81 | 40039.08 |
| 32 | 2026-11 | 1428.62 | 91.76 | 1336.87 | 38702.21 |
| 33 | 2026-12 | 1428.62 | 88.69 | 1339.93 | 37362.27 |
| 34 | 2027-01 | 1428.62 | 85.62 | 1343.00 | 36019.27 |
| 35 | 2027-02 | 1428.62 | 82.54 | 1346.08 | 34673.19 |
| 36 | 2027-03 | 1428.62 | 79.46 | 1349.17 | 33324.03 |
| 37 | 2027-04 | 1428.62 | 76.37 | 1352.26 | 31971.77 |
| 38 | 2027-05 | 1428.62 | 73.27 | 1355.36 | 30616.41 |
| 39 | 2027-06 | 1428.62 | 70.16 | 1358.46 | 29257.95 |
| 40 | 2027-07 | 1428.62 | 67.05 | 1361.58 | 27896.37 |
| 41 | 2027-08 | 1428.62 | 63.93 | 1364.70 | 26531.68 |
| 42 | 2027-09 | 1428.62 | 60.80 | 1367.82 | 25163.86 |
| 43 | 2027-10 | 1428.62 | 57.67 | 1370.96 | 23792.90 |
| 44 | 2027-11 | 1428.62 | 54.53 | 1374.10 | 22418.80 |
| 45 | 2027-12 | 1428.62 | 51.38 | 1377.25 | 21041.55 |
| 46 | 2028-01 | 1428.62 | 48.22 | 1380.40 | 19661.15 |
| 47 | 2028-02 | 1428.62 | 45.06 | 1383.57 | 18277.58 |
| 48 | 2028-03 | 1428.62 | 41.89 | 1386.74 | 16890.84 |
| 49 | 2028-04 | 1428.62 | 38.71 | 1389.92 | 15500.92 |
| 50 | 2028-05 | 1428.62 | 35.52 | 1393.10 | 14107.82 |
| 51 | 2028-06 | 1428.62 | 32.33 | 1396.29 | 12711.53 |
| 52 | 2028-07 | 1428.62 | 29.13 | 1399.49 | 11312.03 |
| 53 | 2028-08 | 1428.62 | 25.92 | 1402.70 | 9909.33 |
| 54 | 2028-09 | 1428.62 | 22.71 | 1405.92 | 8503.41 |
| 55 | 2028-10 | 1428.62 | 19.49 | 1409.14 | 7094.28 |
| 56 | 2028-11 | 1428.62 | 16.26 | 1412.37 | 5681.91 |
| 57 | 2028-12 | 1428.62 | 13.02 | 1415.60 | 4266.31 |
| 58 | 2029-01 | 1428.62 | 9.78 | 1418.85 | 2847.46 |
| 59 | 2029-02 | 1428.62 | 6.53 | 1422.10 | 1425.36 |
| 60 | 2029-03 | 1428.62 | 3.27 | 1425.36 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：5年
首月还款：1516.67元
每月递减：3.06元
利息总额：5591.67元
本息合计：8.56万
节省利息：125.82元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 1516.67 | 183.33 | 1333.33 | 78666.67 |
| 2 | 2024-05 | 1513.61 | 180.28 | 1333.33 | 77333.33 |
| 3 | 2024-06 | 1510.56 | 177.22 | 1333.33 | 76000.00 |
| 4 | 2024-07 | 1507.50 | 174.17 | 1333.33 | 74666.67 |
| 5 | 2024-08 | 1504.44 | 171.11 | 1333.33 | 73333.33 |
| 6 | 2024-09 | 1501.39 | 168.06 | 1333.33 | 72000.00 |
| 7 | 2024-10 | 1498.33 | 165.00 | 1333.33 | 70666.67 |
| 8 | 2024-11 | 1495.28 | 161.94 | 1333.33 | 69333.33 |
| 9 | 2024-12 | 1492.22 | 158.89 | 1333.33 | 68000.00 |
| 10 | 2025-01 | 1489.17 | 155.83 | 1333.33 | 66666.67 |
| 11 | 2025-02 | 1486.11 | 152.78 | 1333.33 | 65333.33 |
| 12 | 2025-03 | 1483.06 | 149.72 | 1333.33 | 64000.00 |
| 13 | 2025-04 | 1480.00 | 146.67 | 1333.33 | 62666.67 |
| 14 | 2025-05 | 1476.94 | 143.61 | 1333.33 | 61333.33 |
| 15 | 2025-06 | 1473.89 | 140.56 | 1333.33 | 60000.00 |
| 16 | 2025-07 | 1470.83 | 137.50 | 1333.33 | 58666.67 |
| 17 | 2025-08 | 1467.78 | 134.44 | 1333.33 | 57333.33 |
| 18 | 2025-09 | 1464.72 | 131.39 | 1333.33 | 56000.00 |
| 19 | 2025-10 | 1461.67 | 128.33 | 1333.33 | 54666.67 |
| 20 | 2025-11 | 1458.61 | 125.28 | 1333.33 | 53333.33 |
| 21 | 2025-12 | 1455.56 | 122.22 | 1333.33 | 52000.00 |
| 22 | 2026-01 | 1452.50 | 119.17 | 1333.33 | 50666.67 |
| 23 | 2026-02 | 1449.44 | 116.11 | 1333.33 | 49333.33 |
| 24 | 2026-03 | 1446.39 | 113.06 | 1333.33 | 48000.00 |
| 25 | 2026-04 | 1443.33 | 110.00 | 1333.33 | 46666.67 |
| 26 | 2026-05 | 1440.28 | 106.94 | 1333.33 | 45333.33 |
| 27 | 2026-06 | 1437.22 | 103.89 | 1333.33 | 44000.00 |
| 28 | 2026-07 | 1434.17 | 100.83 | 1333.33 | 42666.67 |
| 29 | 2026-08 | 1431.11 | 97.78 | 1333.33 | 41333.33 |
| 30 | 2026-09 | 1428.06 | 94.72 | 1333.33 | 40000.00 |
| 31 | 2026-10 | 1425.00 | 91.67 | 1333.33 | 38666.67 |
| 32 | 2026-11 | 1421.94 | 88.61 | 1333.33 | 37333.33 |
| 33 | 2026-12 | 1418.89 | 85.56 | 1333.33 | 36000.00 |
| 34 | 2027-01 | 1415.83 | 82.50 | 1333.33 | 34666.67 |
| 35 | 2027-02 | 1412.78 | 79.44 | 1333.33 | 33333.33 |
| 36 | 2027-03 | 1409.72 | 76.39 | 1333.33 | 32000.00 |
| 37 | 2027-04 | 1406.67 | 73.33 | 1333.33 | 30666.67 |
| 38 | 2027-05 | 1403.61 | 70.28 | 1333.33 | 29333.33 |
| 39 | 2027-06 | 1400.56 | 67.22 | 1333.33 | 28000.00 |
| 40 | 2027-07 | 1397.50 | 64.17 | 1333.33 | 26666.67 |
| 41 | 2027-08 | 1394.44 | 61.11 | 1333.33 | 25333.33 |
| 42 | 2027-09 | 1391.39 | 58.06 | 1333.33 | 24000.00 |
| 43 | 2027-10 | 1388.33 | 55.00 | 1333.33 | 22666.67 |
| 44 | 2027-11 | 1385.28 | 51.94 | 1333.33 | 21333.33 |
| 45 | 2027-12 | 1382.22 | 48.89 | 1333.33 | 20000.00 |
| 46 | 2028-01 | 1379.17 | 45.83 | 1333.33 | 18666.67 |
| 47 | 2028-02 | 1376.11 | 42.78 | 1333.33 | 17333.33 |
| 48 | 2028-03 | 1373.06 | 39.72 | 1333.33 | 16000.00 |
| 49 | 2028-04 | 1370.00 | 36.67 | 1333.33 | 14666.67 |
| 50 | 2028-05 | 1366.94 | 33.61 | 1333.33 | 13333.33 |
| 51 | 2028-06 | 1363.89 | 30.56 | 1333.33 | 12000.00 |
| 52 | 2028-07 | 1360.83 | 27.50 | 1333.33 | 10666.67 |
| 53 | 2028-08 | 1357.78 | 24.44 | 1333.33 | 9333.33 |
| 54 | 2028-09 | 1354.72 | 21.39 | 1333.33 | 8000.00 |
| 55 | 2028-10 | 1351.67 | 18.33 | 1333.33 | 6666.67 |
| 56 | 2028-11 | 1348.61 | 15.28 | 1333.33 | 5333.33 |
| 57 | 2028-12 | 1345.56 | 12.22 | 1333.33 | 4000.00 |
| 58 | 2029-01 | 1342.50 | 9.17 | 1333.33 | 2666.67 |
| 59 | 2029-02 | 1339.44 | 6.11 | 1333.33 | 1333.33 |
| 60 | 2029-03 | 1336.39 | 3.06 | 1333.33 | 0.00 |