贷款26.5万（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：26.5万
还款月数：5年
每月还款：4656.46元
利息总额：1.44万
本息合计：27.94万
| 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 | 4656.46 | 463.75 | 4192.71 | 260807.29 |
| 2 | 2025-07 | 4656.46 | 456.41 | 4200.05 | 256607.25 |
| 3 | 2025-08 | 4656.46 | 449.06 | 4207.40 | 252399.85 |
| 4 | 2025-09 | 4656.46 | 441.70 | 4214.76 | 248185.09 |
| 5 | 2025-10 | 4656.46 | 434.32 | 4222.13 | 243962.96 |
| 6 | 2025-11 | 4656.46 | 426.94 | 4229.52 | 239733.43 |
| 7 | 2025-12 | 4656.46 | 419.53 | 4236.93 | 235496.51 |
| 8 | 2026-01 | 4656.46 | 412.12 | 4244.34 | 231252.17 |
| 9 | 2026-02 | 4656.46 | 404.69 | 4251.77 | 227000.40 |
| 10 | 2026-03 | 4656.46 | 397.25 | 4259.21 | 222741.19 |
| 11 | 2026-04 | 4656.46 | 389.80 | 4266.66 | 218474.53 |
| 12 | 2026-05 | 4656.46 | 382.33 | 4274.13 | 214200.40 |
| 13 | 2026-06 | 4656.46 | 374.85 | 4281.61 | 209918.79 |
| 14 | 2026-07 | 4656.46 | 367.36 | 4289.10 | 205629.69 |
| 15 | 2026-08 | 4656.46 | 359.85 | 4296.61 | 201333.09 |
| 16 | 2026-09 | 4656.46 | 352.33 | 4304.13 | 197028.96 |
| 17 | 2026-10 | 4656.46 | 344.80 | 4311.66 | 192717.30 |
| 18 | 2026-11 | 4656.46 | 337.26 | 4319.20 | 188398.10 |
| 19 | 2026-12 | 4656.46 | 329.70 | 4326.76 | 184071.34 |
| 20 | 2027-01 | 4656.46 | 322.12 | 4334.33 | 179737.00 |
| 21 | 2027-02 | 4656.46 | 314.54 | 4341.92 | 175395.09 |
| 22 | 2027-03 | 4656.46 | 306.94 | 4349.52 | 171045.57 |
| 23 | 2027-04 | 4656.46 | 299.33 | 4357.13 | 166688.44 |
| 24 | 2027-05 | 4656.46 | 291.70 | 4364.75 | 162323.69 |
| 25 | 2027-06 | 4656.46 | 284.07 | 4372.39 | 157951.29 |
| 26 | 2027-07 | 4656.46 | 276.41 | 4380.04 | 153571.25 |
| 27 | 2027-08 | 4656.46 | 268.75 | 4387.71 | 149183.54 |
| 28 | 2027-09 | 4656.46 | 261.07 | 4395.39 | 144788.15 |
| 29 | 2027-10 | 4656.46 | 253.38 | 4403.08 | 140385.07 |
| 30 | 2027-11 | 4656.46 | 245.67 | 4410.78 | 135974.29 |
| 31 | 2027-12 | 4656.46 | 237.96 | 4418.50 | 131555.78 |
| 32 | 2028-01 | 4656.46 | 230.22 | 4426.24 | 127129.55 |
| 33 | 2028-02 | 4656.46 | 222.48 | 4433.98 | 122695.57 |
| 34 | 2028-03 | 4656.46 | 214.72 | 4441.74 | 118253.83 |
| 35 | 2028-04 | 4656.46 | 206.94 | 4449.51 | 113804.31 |
| 36 | 2028-05 | 4656.46 | 199.16 | 4457.30 | 109347.01 |
| 37 | 2028-06 | 4656.46 | 191.36 | 4465.10 | 104881.91 |
| 38 | 2028-07 | 4656.46 | 183.54 | 4472.92 | 100408.99 |
| 39 | 2028-08 | 4656.46 | 175.72 | 4480.74 | 95928.25 |
| 40 | 2028-09 | 4656.46 | 167.87 | 4488.58 | 91439.67 |
| 41 | 2028-10 | 4656.46 | 160.02 | 4496.44 | 86943.23 |
| 42 | 2028-11 | 4656.46 | 152.15 | 4504.31 | 82438.92 |
| 43 | 2028-12 | 4656.46 | 144.27 | 4512.19 | 77926.73 |
| 44 | 2029-01 | 4656.46 | 136.37 | 4520.09 | 73406.64 |
| 45 | 2029-02 | 4656.46 | 128.46 | 4528.00 | 68878.64 |
| 46 | 2029-03 | 4656.46 | 120.54 | 4535.92 | 64342.72 |
| 47 | 2029-04 | 4656.46 | 112.60 | 4543.86 | 59798.86 |
| 48 | 2029-05 | 4656.46 | 104.65 | 4551.81 | 55247.05 |
| 49 | 2029-06 | 4656.46 | 96.68 | 4559.78 | 50687.28 |
| 50 | 2029-07 | 4656.46 | 88.70 | 4567.76 | 46119.52 |
| 51 | 2029-08 | 4656.46 | 80.71 | 4575.75 | 41543.77 |
| 52 | 2029-09 | 4656.46 | 72.70 | 4583.76 | 36960.02 |
| 53 | 2029-10 | 4656.46 | 64.68 | 4591.78 | 32368.24 |
| 54 | 2029-11 | 4656.46 | 56.64 | 4599.81 | 27768.42 |
| 55 | 2029-12 | 4656.46 | 48.59 | 4607.86 | 23160.56 |
| 56 | 2030-01 | 4656.46 | 40.53 | 4615.93 | 18544.63 |
| 57 | 2030-02 | 4656.46 | 32.45 | 4624.01 | 13920.63 |
| 58 | 2030-03 | 4656.46 | 24.36 | 4632.10 | 9288.53 |
| 59 | 2030-04 | 4656.46 | 16.25 | 4640.20 | 4648.32 |
| 60 | 2030-05 | 4656.46 | 8.13 | 4648.32 | 0.00 |
等额本金还款方式：
贷款总额：26.5万
还款月数：5年
首月还款：4880.42元
每月递减：7.73元
利息总额：1.41万
本息合计：27.91万
节省利息：243.14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 | 4880.42 | 463.75 | 4416.67 | 260583.33 |
| 2 | 2025-07 | 4872.69 | 456.02 | 4416.67 | 256166.67 |
| 3 | 2025-08 | 4864.96 | 448.29 | 4416.67 | 251750.00 |
| 4 | 2025-09 | 4857.23 | 440.56 | 4416.67 | 247333.33 |
| 5 | 2025-10 | 4849.50 | 432.83 | 4416.67 | 242916.67 |
| 6 | 2025-11 | 4841.77 | 425.10 | 4416.67 | 238500.00 |
| 7 | 2025-12 | 4834.04 | 417.38 | 4416.67 | 234083.33 |
| 8 | 2026-01 | 4826.31 | 409.65 | 4416.67 | 229666.67 |
| 9 | 2026-02 | 4818.58 | 401.92 | 4416.67 | 225250.00 |
| 10 | 2026-03 | 4810.85 | 394.19 | 4416.67 | 220833.33 |
| 11 | 2026-04 | 4803.13 | 386.46 | 4416.67 | 216416.67 |
| 12 | 2026-05 | 4795.40 | 378.73 | 4416.67 | 212000.00 |
| 13 | 2026-06 | 4787.67 | 371.00 | 4416.67 | 207583.33 |
| 14 | 2026-07 | 4779.94 | 363.27 | 4416.67 | 203166.67 |
| 15 | 2026-08 | 4772.21 | 355.54 | 4416.67 | 198750.00 |
| 16 | 2026-09 | 4764.48 | 347.81 | 4416.67 | 194333.33 |
| 17 | 2026-10 | 4756.75 | 340.08 | 4416.67 | 189916.67 |
| 18 | 2026-11 | 4749.02 | 332.35 | 4416.67 | 185500.00 |
| 19 | 2026-12 | 4741.29 | 324.63 | 4416.67 | 181083.33 |
| 20 | 2027-01 | 4733.56 | 316.90 | 4416.67 | 176666.67 |
| 21 | 2027-02 | 4725.83 | 309.17 | 4416.67 | 172250.00 |
| 22 | 2027-03 | 4718.10 | 301.44 | 4416.67 | 167833.33 |
| 23 | 2027-04 | 4710.38 | 293.71 | 4416.67 | 163416.67 |
| 24 | 2027-05 | 4702.65 | 285.98 | 4416.67 | 159000.00 |
| 25 | 2027-06 | 4694.92 | 278.25 | 4416.67 | 154583.33 |
| 26 | 2027-07 | 4687.19 | 270.52 | 4416.67 | 150166.67 |
| 27 | 2027-08 | 4679.46 | 262.79 | 4416.67 | 145750.00 |
| 28 | 2027-09 | 4671.73 | 255.06 | 4416.67 | 141333.33 |
| 29 | 2027-10 | 4664.00 | 247.33 | 4416.67 | 136916.67 |
| 30 | 2027-11 | 4656.27 | 239.60 | 4416.67 | 132500.00 |
| 31 | 2027-12 | 4648.54 | 231.88 | 4416.67 | 128083.33 |
| 32 | 2028-01 | 4640.81 | 224.15 | 4416.67 | 123666.67 |
| 33 | 2028-02 | 4633.08 | 216.42 | 4416.67 | 119250.00 |
| 34 | 2028-03 | 4625.35 | 208.69 | 4416.67 | 114833.33 |
| 35 | 2028-04 | 4617.63 | 200.96 | 4416.67 | 110416.67 |
| 36 | 2028-05 | 4609.90 | 193.23 | 4416.67 | 106000.00 |
| 37 | 2028-06 | 4602.17 | 185.50 | 4416.67 | 101583.33 |
| 38 | 2028-07 | 4594.44 | 177.77 | 4416.67 | 97166.67 |
| 39 | 2028-08 | 4586.71 | 170.04 | 4416.67 | 92750.00 |
| 40 | 2028-09 | 4578.98 | 162.31 | 4416.67 | 88333.33 |
| 41 | 2028-10 | 4571.25 | 154.58 | 4416.67 | 83916.67 |
| 42 | 2028-11 | 4563.52 | 146.85 | 4416.67 | 79500.00 |
| 43 | 2028-12 | 4555.79 | 139.13 | 4416.67 | 75083.33 |
| 44 | 2029-01 | 4548.06 | 131.40 | 4416.67 | 70666.67 |
| 45 | 2029-02 | 4540.33 | 123.67 | 4416.67 | 66250.00 |
| 46 | 2029-03 | 4532.60 | 115.94 | 4416.67 | 61833.33 |
| 47 | 2029-04 | 4524.88 | 108.21 | 4416.67 | 57416.67 |
| 48 | 2029-05 | 4517.15 | 100.48 | 4416.67 | 53000.00 |
| 49 | 2029-06 | 4509.42 | 92.75 | 4416.67 | 48583.33 |
| 50 | 2029-07 | 4501.69 | 85.02 | 4416.67 | 44166.67 |
| 51 | 2029-08 | 4493.96 | 77.29 | 4416.67 | 39750.00 |
| 52 | 2029-09 | 4486.23 | 69.56 | 4416.67 | 35333.33 |
| 53 | 2029-10 | 4478.50 | 61.83 | 4416.67 | 30916.67 |
| 54 | 2029-11 | 4470.77 | 54.10 | 4416.67 | 26500.00 |
| 55 | 2029-12 | 4463.04 | 46.37 | 4416.67 | 22083.33 |
| 56 | 2030-01 | 4455.31 | 38.65 | 4416.67 | 17666.67 |
| 57 | 2030-02 | 4447.58 | 30.92 | 4416.67 | 13250.00 |
| 58 | 2030-03 | 4439.85 | 23.19 | 4416.67 | 8833.33 |
| 59 | 2030-04 | 4432.13 | 15.46 | 4416.67 | 4416.67 |
| 60 | 2030-05 | 4424.40 | 7.73 | 4416.67 | 0.00 |