贷款10.4万（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：10.4万
还款月数：5年
每月还款：1923.31元
利息总额：1.14万
本息合计：11.54万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 1923.31 | 361.40 | 1561.91 | 102438.09 |
| 2 | 2025-07 | 1923.31 | 355.97 | 1567.33 | 100870.76 |
| 3 | 2025-08 | 1923.31 | 350.53 | 1572.78 | 99297.98 |
| 4 | 2025-09 | 1923.31 | 345.06 | 1578.25 | 97719.73 |
| 5 | 2025-10 | 1923.31 | 339.58 | 1583.73 | 96136.00 |
| 6 | 2025-11 | 1923.31 | 334.07 | 1589.23 | 94546.76 |
| 7 | 2025-12 | 1923.31 | 328.55 | 1594.76 | 92952.01 |
| 8 | 2026-01 | 1923.31 | 323.01 | 1600.30 | 91351.71 |
| 9 | 2026-02 | 1923.31 | 317.45 | 1605.86 | 89745.85 |
| 10 | 2026-03 | 1923.31 | 311.87 | 1611.44 | 88134.41 |
| 11 | 2026-04 | 1923.31 | 306.27 | 1617.04 | 86517.37 |
| 12 | 2026-05 | 1923.31 | 300.65 | 1622.66 | 84894.71 |
| 13 | 2026-06 | 1923.31 | 295.01 | 1628.30 | 83266.41 |
| 14 | 2026-07 | 1923.31 | 289.35 | 1633.96 | 81632.45 |
| 15 | 2026-08 | 1923.31 | 283.67 | 1639.63 | 79992.82 |
| 16 | 2026-09 | 1923.31 | 277.98 | 1645.33 | 78347.49 |
| 17 | 2026-10 | 1923.31 | 272.26 | 1651.05 | 76696.44 |
| 18 | 2026-11 | 1923.31 | 266.52 | 1656.79 | 75039.65 |
| 19 | 2026-12 | 1923.31 | 260.76 | 1662.54 | 73377.11 |
| 20 | 2027-01 | 1923.31 | 254.99 | 1668.32 | 71708.78 |
| 21 | 2027-02 | 1923.31 | 249.19 | 1674.12 | 70034.67 |
| 22 | 2027-03 | 1923.31 | 243.37 | 1679.94 | 68354.73 |
| 23 | 2027-04 | 1923.31 | 237.53 | 1685.77 | 66668.95 |
| 24 | 2027-05 | 1923.31 | 231.67 | 1691.63 | 64977.32 |
| 25 | 2027-06 | 1923.31 | 225.80 | 1697.51 | 63279.81 |
| 26 | 2027-07 | 1923.31 | 219.90 | 1703.41 | 61576.40 |
| 27 | 2027-08 | 1923.31 | 213.98 | 1709.33 | 59867.07 |
| 28 | 2027-09 | 1923.31 | 208.04 | 1715.27 | 58151.80 |
| 29 | 2027-10 | 1923.31 | 202.08 | 1721.23 | 56430.57 |
| 30 | 2027-11 | 1923.31 | 196.10 | 1727.21 | 54703.36 |
| 31 | 2027-12 | 1923.31 | 190.09 | 1733.21 | 52970.15 |
| 32 | 2028-01 | 1923.31 | 184.07 | 1739.24 | 51230.91 |
| 33 | 2028-02 | 1923.31 | 178.03 | 1745.28 | 49485.63 |
| 34 | 2028-03 | 1923.31 | 171.96 | 1751.34 | 47734.29 |
| 35 | 2028-04 | 1923.31 | 165.88 | 1757.43 | 45976.86 |
| 36 | 2028-05 | 1923.31 | 159.77 | 1763.54 | 44213.32 |
| 37 | 2028-06 | 1923.31 | 153.64 | 1769.67 | 42443.65 |
| 38 | 2028-07 | 1923.31 | 147.49 | 1775.82 | 40667.84 |
| 39 | 2028-08 | 1923.31 | 141.32 | 1781.99 | 38885.85 |
| 40 | 2028-09 | 1923.31 | 135.13 | 1788.18 | 37097.67 |
| 41 | 2028-10 | 1923.31 | 128.91 | 1794.39 | 35303.28 |
| 42 | 2028-11 | 1923.31 | 122.68 | 1800.63 | 33502.65 |
| 43 | 2028-12 | 1923.31 | 116.42 | 1806.89 | 31695.77 |
| 44 | 2029-01 | 1923.31 | 110.14 | 1813.16 | 29882.60 |
| 45 | 2029-02 | 1923.31 | 103.84 | 1819.47 | 28063.14 |
| 46 | 2029-03 | 1923.31 | 97.52 | 1825.79 | 26237.35 |
| 47 | 2029-04 | 1923.31 | 91.17 | 1832.13 | 24405.22 |
| 48 | 2029-05 | 1923.31 | 84.81 | 1838.50 | 22566.72 |
| 49 | 2029-06 | 1923.31 | 78.42 | 1844.89 | 20721.83 |
| 50 | 2029-07 | 1923.31 | 72.01 | 1851.30 | 18870.53 |
| 51 | 2029-08 | 1923.31 | 65.58 | 1857.73 | 17012.80 |
| 52 | 2029-09 | 1923.31 | 59.12 | 1864.19 | 15148.61 |
| 53 | 2029-10 | 1923.31 | 52.64 | 1870.67 | 13277.95 |
| 54 | 2029-11 | 1923.31 | 46.14 | 1877.17 | 11400.78 |
| 55 | 2029-12 | 1923.31 | 39.62 | 1883.69 | 9517.09 |
| 56 | 2030-01 | 1923.31 | 33.07 | 1890.24 | 7626.86 |
| 57 | 2030-02 | 1923.31 | 26.50 | 1896.80 | 5730.05 |
| 58 | 2030-03 | 1923.31 | 19.91 | 1903.40 | 3826.66 |
| 59 | 2030-04 | 1923.31 | 13.30 | 1910.01 | 1916.65 |
| 60 | 2030-05 | 1923.31 | 6.66 | 1916.65 | 0.00 |
等额本金还款方式：
贷款总额：10.4万
还款月数：5年
首月还款：2094.73元
每月递减：6.02元
利息总额：1.1万
本息合计：11.5万
节省利息：375.73元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2094.73 | 361.40 | 1733.33 | 102266.67 |
| 2 | 2025-07 | 2088.71 | 355.38 | 1733.33 | 100533.33 |
| 3 | 2025-08 | 2082.69 | 349.35 | 1733.33 | 98800.00 |
| 4 | 2025-09 | 2076.66 | 343.33 | 1733.33 | 97066.67 |
| 5 | 2025-10 | 2070.64 | 337.31 | 1733.33 | 95333.33 |
| 6 | 2025-11 | 2064.62 | 331.28 | 1733.33 | 93600.00 |
| 7 | 2025-12 | 2058.59 | 325.26 | 1733.33 | 91866.67 |
| 8 | 2026-01 | 2052.57 | 319.24 | 1733.33 | 90133.33 |
| 9 | 2026-02 | 2046.55 | 313.21 | 1733.33 | 88400.00 |
| 10 | 2026-03 | 2040.52 | 307.19 | 1733.33 | 86666.67 |
| 11 | 2026-04 | 2034.50 | 301.17 | 1733.33 | 84933.33 |
| 12 | 2026-05 | 2028.48 | 295.14 | 1733.33 | 83200.00 |
| 13 | 2026-06 | 2022.45 | 289.12 | 1733.33 | 81466.67 |
| 14 | 2026-07 | 2016.43 | 283.10 | 1733.33 | 79733.33 |
| 15 | 2026-08 | 2010.41 | 277.07 | 1733.33 | 78000.00 |
| 16 | 2026-09 | 2004.38 | 271.05 | 1733.33 | 76266.67 |
| 17 | 2026-10 | 1998.36 | 265.03 | 1733.33 | 74533.33 |
| 18 | 2026-11 | 1992.34 | 259.00 | 1733.33 | 72800.00 |
| 19 | 2026-12 | 1986.31 | 252.98 | 1733.33 | 71066.67 |
| 20 | 2027-01 | 1980.29 | 246.96 | 1733.33 | 69333.33 |
| 21 | 2027-02 | 1974.27 | 240.93 | 1733.33 | 67600.00 |
| 22 | 2027-03 | 1968.24 | 234.91 | 1733.33 | 65866.67 |
| 23 | 2027-04 | 1962.22 | 228.89 | 1733.33 | 64133.33 |
| 24 | 2027-05 | 1956.20 | 222.86 | 1733.33 | 62400.00 |
| 25 | 2027-06 | 1950.17 | 216.84 | 1733.33 | 60666.67 |
| 26 | 2027-07 | 1944.15 | 210.82 | 1733.33 | 58933.33 |
| 27 | 2027-08 | 1938.13 | 204.79 | 1733.33 | 57200.00 |
| 28 | 2027-09 | 1932.10 | 198.77 | 1733.33 | 55466.67 |
| 29 | 2027-10 | 1926.08 | 192.75 | 1733.33 | 53733.33 |
| 30 | 2027-11 | 1920.06 | 186.72 | 1733.33 | 52000.00 |
| 31 | 2027-12 | 1914.03 | 180.70 | 1733.33 | 50266.67 |
| 32 | 2028-01 | 1908.01 | 174.68 | 1733.33 | 48533.33 |
| 33 | 2028-02 | 1901.99 | 168.65 | 1733.33 | 46800.00 |
| 34 | 2028-03 | 1895.96 | 162.63 | 1733.33 | 45066.67 |
| 35 | 2028-04 | 1889.94 | 156.61 | 1733.33 | 43333.33 |
| 36 | 2028-05 | 1883.92 | 150.58 | 1733.33 | 41600.00 |
| 37 | 2028-06 | 1877.89 | 144.56 | 1733.33 | 39866.67 |
| 38 | 2028-07 | 1871.87 | 138.54 | 1733.33 | 38133.33 |
| 39 | 2028-08 | 1865.85 | 132.51 | 1733.33 | 36400.00 |
| 40 | 2028-09 | 1859.82 | 126.49 | 1733.33 | 34666.67 |
| 41 | 2028-10 | 1853.80 | 120.47 | 1733.33 | 32933.33 |
| 42 | 2028-11 | 1847.78 | 114.44 | 1733.33 | 31200.00 |
| 43 | 2028-12 | 1841.75 | 108.42 | 1733.33 | 29466.67 |
| 44 | 2029-01 | 1835.73 | 102.40 | 1733.33 | 27733.33 |
| 45 | 2029-02 | 1829.71 | 96.37 | 1733.33 | 26000.00 |
| 46 | 2029-03 | 1823.68 | 90.35 | 1733.33 | 24266.67 |
| 47 | 2029-04 | 1817.66 | 84.33 | 1733.33 | 22533.33 |
| 48 | 2029-05 | 1811.64 | 78.30 | 1733.33 | 20800.00 |
| 49 | 2029-06 | 1805.61 | 72.28 | 1733.33 | 19066.67 |
| 50 | 2029-07 | 1799.59 | 66.26 | 1733.33 | 17333.33 |
| 51 | 2029-08 | 1793.57 | 60.23 | 1733.33 | 15600.00 |
| 52 | 2029-09 | 1787.54 | 54.21 | 1733.33 | 13866.67 |
| 53 | 2029-10 | 1781.52 | 48.19 | 1733.33 | 12133.33 |
| 54 | 2029-11 | 1775.50 | 42.16 | 1733.33 | 10400.00 |
| 55 | 2029-12 | 1769.47 | 36.14 | 1733.33 | 8666.67 |
| 56 | 2030-01 | 1763.45 | 30.12 | 1733.33 | 6933.33 |
| 57 | 2030-02 | 1757.43 | 24.09 | 1733.33 | 5200.00 |
| 58 | 2030-03 | 1751.40 | 18.07 | 1733.33 | 3466.67 |
| 59 | 2030-04 | 1745.38 | 12.05 | 1733.33 | 1733.33 |
| 60 | 2030-05 | 1739.36 | 6.02 | 1733.33 | 0.00 |