贷款60万（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：60万
还款月数：5年
每月还款：10674.89元
利息总额：4.05万
本息合计：64.05万
| 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 | 10674.89 | 1300.00 | 9374.89 | 590625.11 |
| 2 | 2024-05 | 10674.89 | 1279.69 | 9395.21 | 581229.90 |
| 3 | 2024-06 | 10674.89 | 1259.33 | 9415.56 | 571814.34 |
| 4 | 2024-07 | 10674.89 | 1238.93 | 9435.96 | 562378.38 |
| 5 | 2024-08 | 10674.89 | 1218.49 | 9456.41 | 552921.97 |
| 6 | 2024-09 | 10674.89 | 1198.00 | 9476.90 | 543445.07 |
| 7 | 2024-10 | 10674.89 | 1177.46 | 9497.43 | 533947.64 |
| 8 | 2024-11 | 10674.89 | 1156.89 | 9518.01 | 524429.64 |
| 9 | 2024-12 | 10674.89 | 1136.26 | 9538.63 | 514891.01 |
| 10 | 2025-01 | 10674.89 | 1115.60 | 9559.30 | 505331.71 |
| 11 | 2025-02 | 10674.89 | 1094.89 | 9580.01 | 495751.70 |
| 12 | 2025-03 | 10674.89 | 1074.13 | 9600.76 | 486150.94 |
| 13 | 2025-04 | 10674.89 | 1053.33 | 9621.57 | 476529.37 |
| 14 | 2025-05 | 10674.89 | 1032.48 | 9642.41 | 466886.96 |
| 15 | 2025-06 | 10674.89 | 1011.59 | 9663.31 | 457223.65 |
| 16 | 2025-07 | 10674.89 | 990.65 | 9684.24 | 447539.41 |
| 17 | 2025-08 | 10674.89 | 969.67 | 9705.22 | 437834.19 |
| 18 | 2025-09 | 10674.89 | 948.64 | 9726.25 | 428107.93 |
| 19 | 2025-10 | 10674.89 | 927.57 | 9747.33 | 418360.61 |
| 20 | 2025-11 | 10674.89 | 906.45 | 9768.45 | 408592.16 |
| 21 | 2025-12 | 10674.89 | 885.28 | 9789.61 | 398802.55 |
| 22 | 2026-01 | 10674.89 | 864.07 | 9810.82 | 388991.73 |
| 23 | 2026-02 | 10674.89 | 842.82 | 9832.08 | 379159.65 |
| 24 | 2026-03 | 10674.89 | 821.51 | 9853.38 | 369306.27 |
| 25 | 2026-04 | 10674.89 | 800.16 | 9874.73 | 359431.54 |
| 26 | 2026-05 | 10674.89 | 778.77 | 9896.13 | 349535.41 |
| 27 | 2026-06 | 10674.89 | 757.33 | 9917.57 | 339617.85 |
| 28 | 2026-07 | 10674.89 | 735.84 | 9939.05 | 329678.79 |
| 29 | 2026-08 | 10674.89 | 714.30 | 9960.59 | 319718.20 |
| 30 | 2026-09 | 10674.89 | 692.72 | 9982.17 | 309736.03 |
| 31 | 2026-10 | 10674.89 | 671.09 | 10003.80 | 299732.23 |
| 32 | 2026-11 | 10674.89 | 649.42 | 10025.47 | 289706.76 |
| 33 | 2026-12 | 10674.89 | 627.70 | 10047.20 | 279659.56 |
| 34 | 2027-01 | 10674.89 | 605.93 | 10068.96 | 269590.60 |
| 35 | 2027-02 | 10674.89 | 584.11 | 10090.78 | 259499.82 |
| 36 | 2027-03 | 10674.89 | 562.25 | 10112.64 | 249387.18 |
| 37 | 2027-04 | 10674.89 | 540.34 | 10134.55 | 239252.62 |
| 38 | 2027-05 | 10674.89 | 518.38 | 10156.51 | 229096.11 |
| 39 | 2027-06 | 10674.89 | 496.37 | 10178.52 | 218917.59 |
| 40 | 2027-07 | 10674.89 | 474.32 | 10200.57 | 208717.02 |
| 41 | 2027-08 | 10674.89 | 452.22 | 10222.67 | 198494.34 |
| 42 | 2027-09 | 10674.89 | 430.07 | 10244.82 | 188249.52 |
| 43 | 2027-10 | 10674.89 | 407.87 | 10267.02 | 177982.50 |
| 44 | 2027-11 | 10674.89 | 385.63 | 10289.26 | 167693.24 |
| 45 | 2027-12 | 10674.89 | 363.34 | 10311.56 | 157381.68 |
| 46 | 2028-01 | 10674.89 | 340.99 | 10333.90 | 147047.78 |
| 47 | 2028-02 | 10674.89 | 318.60 | 10356.29 | 136691.49 |
| 48 | 2028-03 | 10674.89 | 296.16 | 10378.73 | 126312.76 |
| 49 | 2028-04 | 10674.89 | 273.68 | 10401.22 | 115911.54 |
| 50 | 2028-05 | 10674.89 | 251.14 | 10423.75 | 105487.79 |
| 51 | 2028-06 | 10674.89 | 228.56 | 10446.34 | 95041.46 |
| 52 | 2028-07 | 10674.89 | 205.92 | 10468.97 | 84572.48 |
| 53 | 2028-08 | 10674.89 | 183.24 | 10491.65 | 74080.83 |
| 54 | 2028-09 | 10674.89 | 160.51 | 10514.39 | 63566.45 |
| 55 | 2028-10 | 10674.89 | 137.73 | 10537.17 | 53029.28 |
| 56 | 2028-11 | 10674.89 | 114.90 | 10560.00 | 42469.28 |
| 57 | 2028-12 | 10674.89 | 92.02 | 10582.88 | 31886.41 |
| 58 | 2029-01 | 10674.89 | 69.09 | 10605.81 | 21280.60 |
| 59 | 2029-02 | 10674.89 | 46.11 | 10628.79 | 10651.81 |
| 60 | 2029-03 | 10674.89 | 23.08 | 10651.81 | 0.00 |
等额本金还款方式：
贷款总额：60万
还款月数：5年
首月还款：11300元
每月递减：21.67元
利息总额：3.97万
本息合计：63.97万
节省利息：843.61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 | 11300.00 | 1300.00 | 10000.00 | 590000.00 |
| 2 | 2024-05 | 11278.33 | 1278.33 | 10000.00 | 580000.00 |
| 3 | 2024-06 | 11256.67 | 1256.67 | 10000.00 | 570000.00 |
| 4 | 2024-07 | 11235.00 | 1235.00 | 10000.00 | 560000.00 |
| 5 | 2024-08 | 11213.33 | 1213.33 | 10000.00 | 550000.00 |
| 6 | 2024-09 | 11191.67 | 1191.67 | 10000.00 | 540000.00 |
| 7 | 2024-10 | 11170.00 | 1170.00 | 10000.00 | 530000.00 |
| 8 | 2024-11 | 11148.33 | 1148.33 | 10000.00 | 520000.00 |
| 9 | 2024-12 | 11126.67 | 1126.67 | 10000.00 | 510000.00 |
| 10 | 2025-01 | 11105.00 | 1105.00 | 10000.00 | 500000.00 |
| 11 | 2025-02 | 11083.33 | 1083.33 | 10000.00 | 490000.00 |
| 12 | 2025-03 | 11061.67 | 1061.67 | 10000.00 | 480000.00 |
| 13 | 2025-04 | 11040.00 | 1040.00 | 10000.00 | 470000.00 |
| 14 | 2025-05 | 11018.33 | 1018.33 | 10000.00 | 460000.00 |
| 15 | 2025-06 | 10996.67 | 996.67 | 10000.00 | 450000.00 |
| 16 | 2025-07 | 10975.00 | 975.00 | 10000.00 | 440000.00 |
| 17 | 2025-08 | 10953.33 | 953.33 | 10000.00 | 430000.00 |
| 18 | 2025-09 | 10931.67 | 931.67 | 10000.00 | 420000.00 |
| 19 | 2025-10 | 10910.00 | 910.00 | 10000.00 | 410000.00 |
| 20 | 2025-11 | 10888.33 | 888.33 | 10000.00 | 400000.00 |
| 21 | 2025-12 | 10866.67 | 866.67 | 10000.00 | 390000.00 |
| 22 | 2026-01 | 10845.00 | 845.00 | 10000.00 | 380000.00 |
| 23 | 2026-02 | 10823.33 | 823.33 | 10000.00 | 370000.00 |
| 24 | 2026-03 | 10801.67 | 801.67 | 10000.00 | 360000.00 |
| 25 | 2026-04 | 10780.00 | 780.00 | 10000.00 | 350000.00 |
| 26 | 2026-05 | 10758.33 | 758.33 | 10000.00 | 340000.00 |
| 27 | 2026-06 | 10736.67 | 736.67 | 10000.00 | 330000.00 |
| 28 | 2026-07 | 10715.00 | 715.00 | 10000.00 | 320000.00 |
| 29 | 2026-08 | 10693.33 | 693.33 | 10000.00 | 310000.00 |
| 30 | 2026-09 | 10671.67 | 671.67 | 10000.00 | 300000.00 |
| 31 | 2026-10 | 10650.00 | 650.00 | 10000.00 | 290000.00 |
| 32 | 2026-11 | 10628.33 | 628.33 | 10000.00 | 280000.00 |
| 33 | 2026-12 | 10606.67 | 606.67 | 10000.00 | 270000.00 |
| 34 | 2027-01 | 10585.00 | 585.00 | 10000.00 | 260000.00 |
| 35 | 2027-02 | 10563.33 | 563.33 | 10000.00 | 250000.00 |
| 36 | 2027-03 | 10541.67 | 541.67 | 10000.00 | 240000.00 |
| 37 | 2027-04 | 10520.00 | 520.00 | 10000.00 | 230000.00 |
| 38 | 2027-05 | 10498.33 | 498.33 | 10000.00 | 220000.00 |
| 39 | 2027-06 | 10476.67 | 476.67 | 10000.00 | 210000.00 |
| 40 | 2027-07 | 10455.00 | 455.00 | 10000.00 | 200000.00 |
| 41 | 2027-08 | 10433.33 | 433.33 | 10000.00 | 190000.00 |
| 42 | 2027-09 | 10411.67 | 411.67 | 10000.00 | 180000.00 |
| 43 | 2027-10 | 10390.00 | 390.00 | 10000.00 | 170000.00 |
| 44 | 2027-11 | 10368.33 | 368.33 | 10000.00 | 160000.00 |
| 45 | 2027-12 | 10346.67 | 346.67 | 10000.00 | 150000.00 |
| 46 | 2028-01 | 10325.00 | 325.00 | 10000.00 | 140000.00 |
| 47 | 2028-02 | 10303.33 | 303.33 | 10000.00 | 130000.00 |
| 48 | 2028-03 | 10281.67 | 281.67 | 10000.00 | 120000.00 |
| 49 | 2028-04 | 10260.00 | 260.00 | 10000.00 | 110000.00 |
| 50 | 2028-05 | 10238.33 | 238.33 | 10000.00 | 100000.00 |
| 51 | 2028-06 | 10216.67 | 216.67 | 10000.00 | 90000.00 |
| 52 | 2028-07 | 10195.00 | 195.00 | 10000.00 | 80000.00 |
| 53 | 2028-08 | 10173.33 | 173.33 | 10000.00 | 70000.00 |
| 54 | 2028-09 | 10151.67 | 151.67 | 10000.00 | 60000.00 |
| 55 | 2028-10 | 10130.00 | 130.00 | 10000.00 | 50000.00 |
| 56 | 2028-11 | 10108.33 | 108.33 | 10000.00 | 40000.00 |
| 57 | 2028-12 | 10086.67 | 86.67 | 10000.00 | 30000.00 |
| 58 | 2029-01 | 10065.00 | 65.00 | 10000.00 | 20000.00 |
| 59 | 2029-02 | 10043.33 | 43.33 | 10000.00 | 10000.00 |
| 60 | 2029-03 | 10021.67 | 21.67 | 10000.00 | 0.00 |