贷款45万（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：45万
还款月数：5年
每月还款：8136元
利息总额：3.82万
本息合计：48.82万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 8136.00 | 1218.75 | 6917.25 | 443082.75 |
| 2 | 2024-04 | 8136.00 | 1200.02 | 6935.99 | 436146.76 |
| 3 | 2024-05 | 8136.00 | 1181.23 | 6954.77 | 429191.99 |
| 4 | 2024-06 | 8136.00 | 1162.39 | 6973.61 | 422218.39 |
| 5 | 2024-07 | 8136.00 | 1143.51 | 6992.49 | 415225.89 |
| 6 | 2024-08 | 8136.00 | 1124.57 | 7011.43 | 408214.46 |
| 7 | 2024-09 | 8136.00 | 1105.58 | 7030.42 | 401184.04 |
| 8 | 2024-10 | 8136.00 | 1086.54 | 7049.46 | 394134.58 |
| 9 | 2024-11 | 8136.00 | 1067.45 | 7068.55 | 387066.03 |
| 10 | 2024-12 | 8136.00 | 1048.30 | 7087.70 | 379978.33 |
| 11 | 2025-01 | 8136.00 | 1029.11 | 7106.89 | 372871.44 |
| 12 | 2025-02 | 8136.00 | 1009.86 | 7126.14 | 365745.30 |
| 13 | 2025-03 | 8136.00 | 990.56 | 7145.44 | 358599.86 |
| 14 | 2025-04 | 8136.00 | 971.21 | 7164.79 | 351435.06 |
| 15 | 2025-05 | 8136.00 | 951.80 | 7184.20 | 344250.87 |
| 16 | 2025-06 | 8136.00 | 932.35 | 7203.65 | 337047.21 |
| 17 | 2025-07 | 8136.00 | 912.84 | 7223.16 | 329824.05 |
| 18 | 2025-08 | 8136.00 | 893.27 | 7242.73 | 322581.32 |
| 19 | 2025-09 | 8136.00 | 873.66 | 7262.34 | 315318.98 |
| 20 | 2025-10 | 8136.00 | 853.99 | 7282.01 | 308036.96 |
| 21 | 2025-11 | 8136.00 | 834.27 | 7301.73 | 300735.23 |
| 22 | 2025-12 | 8136.00 | 814.49 | 7321.51 | 293413.72 |
| 23 | 2026-01 | 8136.00 | 794.66 | 7341.34 | 286072.38 |
| 24 | 2026-02 | 8136.00 | 774.78 | 7361.22 | 278711.16 |
| 25 | 2026-03 | 8136.00 | 754.84 | 7381.16 | 271330.00 |
| 26 | 2026-04 | 8136.00 | 734.85 | 7401.15 | 263928.85 |
| 27 | 2026-05 | 8136.00 | 714.81 | 7421.19 | 256507.66 |
| 28 | 2026-06 | 8136.00 | 694.71 | 7441.29 | 249066.37 |
| 29 | 2026-07 | 8136.00 | 674.55 | 7461.45 | 241604.92 |
| 30 | 2026-08 | 8136.00 | 654.35 | 7481.65 | 234123.26 |
| 31 | 2026-09 | 8136.00 | 634.08 | 7501.92 | 226621.35 |
| 32 | 2026-10 | 8136.00 | 613.77 | 7522.23 | 219099.11 |
| 33 | 2026-11 | 8136.00 | 593.39 | 7542.61 | 211556.50 |
| 34 | 2026-12 | 8136.00 | 572.97 | 7563.04 | 203993.47 |
| 35 | 2027-01 | 8136.00 | 552.48 | 7583.52 | 196409.95 |
| 36 | 2027-02 | 8136.00 | 531.94 | 7604.06 | 188805.89 |
| 37 | 2027-03 | 8136.00 | 511.35 | 7624.65 | 181181.24 |
| 38 | 2027-04 | 8136.00 | 490.70 | 7645.30 | 173535.94 |
| 39 | 2027-05 | 8136.00 | 469.99 | 7666.01 | 165869.93 |
| 40 | 2027-06 | 8136.00 | 449.23 | 7686.77 | 158183.16 |
| 41 | 2027-07 | 8136.00 | 428.41 | 7707.59 | 150475.57 |
| 42 | 2027-08 | 8136.00 | 407.54 | 7728.46 | 142747.11 |
| 43 | 2027-09 | 8136.00 | 386.61 | 7749.39 | 134997.72 |
| 44 | 2027-10 | 8136.00 | 365.62 | 7770.38 | 127227.33 |
| 45 | 2027-11 | 8136.00 | 344.57 | 7791.43 | 119435.91 |
| 46 | 2027-12 | 8136.00 | 323.47 | 7812.53 | 111623.38 |
| 47 | 2028-01 | 8136.00 | 302.31 | 7833.69 | 103789.69 |
| 48 | 2028-02 | 8136.00 | 281.10 | 7854.90 | 95934.79 |
| 49 | 2028-03 | 8136.00 | 259.82 | 7876.18 | 88058.61 |
| 50 | 2028-04 | 8136.00 | 238.49 | 7897.51 | 80161.10 |
| 51 | 2028-05 | 8136.00 | 217.10 | 7918.90 | 72242.20 |
| 52 | 2028-06 | 8136.00 | 195.66 | 7940.35 | 64301.86 |
| 53 | 2028-07 | 8136.00 | 174.15 | 7961.85 | 56340.01 |
| 54 | 2028-08 | 8136.00 | 152.59 | 7983.41 | 48356.59 |
| 55 | 2028-09 | 8136.00 | 130.97 | 8005.04 | 40351.56 |
| 56 | 2028-10 | 8136.00 | 109.29 | 8026.72 | 32324.84 |
| 57 | 2028-11 | 8136.00 | 87.55 | 8048.45 | 24276.39 |
| 58 | 2028-12 | 8136.00 | 65.75 | 8070.25 | 16206.13 |
| 59 | 2029-01 | 8136.00 | 43.89 | 8092.11 | 8114.03 |
| 60 | 2029-02 | 8136.00 | 21.98 | 8114.03 | 0.00 |
等额本金还款方式：
贷款总额：45万
还款月数：5年
首月还款：8718.75元
每月递减：20.31元
利息总额：3.72万
本息合计：48.72万
节省利息：988.19元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 8718.75 | 1218.75 | 7500.00 | 442500.00 |
| 2 | 2024-04 | 8698.44 | 1198.44 | 7500.00 | 435000.00 |
| 3 | 2024-05 | 8678.13 | 1178.13 | 7500.00 | 427500.00 |
| 4 | 2024-06 | 8657.81 | 1157.81 | 7500.00 | 420000.00 |
| 5 | 2024-07 | 8637.50 | 1137.50 | 7500.00 | 412500.00 |
| 6 | 2024-08 | 8617.19 | 1117.19 | 7500.00 | 405000.00 |
| 7 | 2024-09 | 8596.88 | 1096.88 | 7500.00 | 397500.00 |
| 8 | 2024-10 | 8576.56 | 1076.56 | 7500.00 | 390000.00 |
| 9 | 2024-11 | 8556.25 | 1056.25 | 7500.00 | 382500.00 |
| 10 | 2024-12 | 8535.94 | 1035.94 | 7500.00 | 375000.00 |
| 11 | 2025-01 | 8515.63 | 1015.63 | 7500.00 | 367500.00 |
| 12 | 2025-02 | 8495.31 | 995.31 | 7500.00 | 360000.00 |
| 13 | 2025-03 | 8475.00 | 975.00 | 7500.00 | 352500.00 |
| 14 | 2025-04 | 8454.69 | 954.69 | 7500.00 | 345000.00 |
| 15 | 2025-05 | 8434.38 | 934.38 | 7500.00 | 337500.00 |
| 16 | 2025-06 | 8414.06 | 914.06 | 7500.00 | 330000.00 |
| 17 | 2025-07 | 8393.75 | 893.75 | 7500.00 | 322500.00 |
| 18 | 2025-08 | 8373.44 | 873.44 | 7500.00 | 315000.00 |
| 19 | 2025-09 | 8353.13 | 853.13 | 7500.00 | 307500.00 |
| 20 | 2025-10 | 8332.81 | 832.81 | 7500.00 | 300000.00 |
| 21 | 2025-11 | 8312.50 | 812.50 | 7500.00 | 292500.00 |
| 22 | 2025-12 | 8292.19 | 792.19 | 7500.00 | 285000.00 |
| 23 | 2026-01 | 8271.88 | 771.88 | 7500.00 | 277500.00 |
| 24 | 2026-02 | 8251.56 | 751.56 | 7500.00 | 270000.00 |
| 25 | 2026-03 | 8231.25 | 731.25 | 7500.00 | 262500.00 |
| 26 | 2026-04 | 8210.94 | 710.94 | 7500.00 | 255000.00 |
| 27 | 2026-05 | 8190.63 | 690.63 | 7500.00 | 247500.00 |
| 28 | 2026-06 | 8170.31 | 670.31 | 7500.00 | 240000.00 |
| 29 | 2026-07 | 8150.00 | 650.00 | 7500.00 | 232500.00 |
| 30 | 2026-08 | 8129.69 | 629.69 | 7500.00 | 225000.00 |
| 31 | 2026-09 | 8109.38 | 609.38 | 7500.00 | 217500.00 |
| 32 | 2026-10 | 8089.06 | 589.06 | 7500.00 | 210000.00 |
| 33 | 2026-11 | 8068.75 | 568.75 | 7500.00 | 202500.00 |
| 34 | 2026-12 | 8048.44 | 548.44 | 7500.00 | 195000.00 |
| 35 | 2027-01 | 8028.13 | 528.13 | 7500.00 | 187500.00 |
| 36 | 2027-02 | 8007.81 | 507.81 | 7500.00 | 180000.00 |
| 37 | 2027-03 | 7987.50 | 487.50 | 7500.00 | 172500.00 |
| 38 | 2027-04 | 7967.19 | 467.19 | 7500.00 | 165000.00 |
| 39 | 2027-05 | 7946.88 | 446.88 | 7500.00 | 157500.00 |
| 40 | 2027-06 | 7926.56 | 426.56 | 7500.00 | 150000.00 |
| 41 | 2027-07 | 7906.25 | 406.25 | 7500.00 | 142500.00 |
| 42 | 2027-08 | 7885.94 | 385.94 | 7500.00 | 135000.00 |
| 43 | 2027-09 | 7865.63 | 365.63 | 7500.00 | 127500.00 |
| 44 | 2027-10 | 7845.31 | 345.31 | 7500.00 | 120000.00 |
| 45 | 2027-11 | 7825.00 | 325.00 | 7500.00 | 112500.00 |
| 46 | 2027-12 | 7804.69 | 304.69 | 7500.00 | 105000.00 |
| 47 | 2028-01 | 7784.38 | 284.38 | 7500.00 | 97500.00 |
| 48 | 2028-02 | 7764.06 | 264.06 | 7500.00 | 90000.00 |
| 49 | 2028-03 | 7743.75 | 243.75 | 7500.00 | 82500.00 |
| 50 | 2028-04 | 7723.44 | 223.44 | 7500.00 | 75000.00 |
| 51 | 2028-05 | 7703.13 | 203.13 | 7500.00 | 67500.00 |
| 52 | 2028-06 | 7682.81 | 182.81 | 7500.00 | 60000.00 |
| 53 | 2028-07 | 7662.50 | 162.50 | 7500.00 | 52500.00 |
| 54 | 2028-08 | 7642.19 | 142.19 | 7500.00 | 45000.00 |
| 55 | 2028-09 | 7621.88 | 121.88 | 7500.00 | 37500.00 |
| 56 | 2028-10 | 7601.56 | 101.56 | 7500.00 | 30000.00 |
| 57 | 2028-11 | 7581.25 | 81.25 | 7500.00 | 22500.00 |
| 58 | 2028-12 | 7560.94 | 60.94 | 7500.00 | 15000.00 |
| 59 | 2029-01 | 7540.63 | 40.63 | 7500.00 | 7500.00 |
| 60 | 2029-02 | 7520.31 | 20.31 | 7500.00 | 0.00 |