贷款6000元（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：6000元
还款月数：5年
每月还款：106.75元
利息总额：404.94元
本息合计：6404.94元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 106.75 | 13.00 | 93.75 | 5906.25 |
| 2 | 2025-08 | 106.75 | 12.80 | 93.95 | 5812.30 |
| 3 | 2025-09 | 106.75 | 12.59 | 94.16 | 5718.14 |
| 4 | 2025-10 | 106.75 | 12.39 | 94.36 | 5623.78 |
| 5 | 2025-11 | 106.75 | 12.18 | 94.56 | 5529.22 |
| 6 | 2025-12 | 106.75 | 11.98 | 94.77 | 5434.45 |
| 7 | 2026-01 | 106.75 | 11.77 | 94.97 | 5339.48 |
| 8 | 2026-02 | 106.75 | 11.57 | 95.18 | 5244.30 |
| 9 | 2026-03 | 106.75 | 11.36 | 95.39 | 5148.91 |
| 10 | 2026-04 | 106.75 | 11.16 | 95.59 | 5053.32 |
| 11 | 2026-05 | 106.75 | 10.95 | 95.80 | 4957.52 |
| 12 | 2026-06 | 106.75 | 10.74 | 96.01 | 4861.51 |
| 13 | 2026-07 | 106.75 | 10.53 | 96.22 | 4765.29 |
| 14 | 2026-08 | 106.75 | 10.32 | 96.42 | 4668.87 |
| 15 | 2026-09 | 106.75 | 10.12 | 96.63 | 4572.24 |
| 16 | 2026-10 | 106.75 | 9.91 | 96.84 | 4475.39 |
| 17 | 2026-11 | 106.75 | 9.70 | 97.05 | 4378.34 |
| 18 | 2026-12 | 106.75 | 9.49 | 97.26 | 4281.08 |
| 19 | 2027-01 | 106.75 | 9.28 | 97.47 | 4183.61 |
| 20 | 2027-02 | 106.75 | 9.06 | 97.68 | 4085.92 |
| 21 | 2027-03 | 106.75 | 8.85 | 97.90 | 3988.03 |
| 22 | 2027-04 | 106.75 | 8.64 | 98.11 | 3889.92 |
| 23 | 2027-05 | 106.75 | 8.43 | 98.32 | 3791.60 |
| 24 | 2027-06 | 106.75 | 8.22 | 98.53 | 3693.06 |
| 25 | 2027-07 | 106.75 | 8.00 | 98.75 | 3594.32 |
| 26 | 2027-08 | 106.75 | 7.79 | 98.96 | 3495.35 |
| 27 | 2027-09 | 106.75 | 7.57 | 99.18 | 3396.18 |
| 28 | 2027-10 | 106.75 | 7.36 | 99.39 | 3296.79 |
| 29 | 2027-11 | 106.75 | 7.14 | 99.61 | 3197.18 |
| 30 | 2027-12 | 106.75 | 6.93 | 99.82 | 3097.36 |
| 31 | 2028-01 | 106.75 | 6.71 | 100.04 | 2997.32 |
| 32 | 2028-02 | 106.75 | 6.49 | 100.25 | 2897.07 |
| 33 | 2028-03 | 106.75 | 6.28 | 100.47 | 2796.60 |
| 34 | 2028-04 | 106.75 | 6.06 | 100.69 | 2695.91 |
| 35 | 2028-05 | 106.75 | 5.84 | 100.91 | 2595.00 |
| 36 | 2028-06 | 106.75 | 5.62 | 101.13 | 2493.87 |
| 37 | 2028-07 | 106.75 | 5.40 | 101.35 | 2392.53 |
| 38 | 2028-08 | 106.75 | 5.18 | 101.57 | 2290.96 |
| 39 | 2028-09 | 106.75 | 4.96 | 101.79 | 2189.18 |
| 40 | 2028-10 | 106.75 | 4.74 | 102.01 | 2087.17 |
| 41 | 2028-11 | 106.75 | 4.52 | 102.23 | 1984.94 |
| 42 | 2028-12 | 106.75 | 4.30 | 102.45 | 1882.50 |
| 43 | 2029-01 | 106.75 | 4.08 | 102.67 | 1779.83 |
| 44 | 2029-02 | 106.75 | 3.86 | 102.89 | 1676.93 |
| 45 | 2029-03 | 106.75 | 3.63 | 103.12 | 1573.82 |
| 46 | 2029-04 | 106.75 | 3.41 | 103.34 | 1470.48 |
| 47 | 2029-05 | 106.75 | 3.19 | 103.56 | 1366.91 |
| 48 | 2029-06 | 106.75 | 2.96 | 103.79 | 1263.13 |
| 49 | 2029-07 | 106.75 | 2.74 | 104.01 | 1159.12 |
| 50 | 2029-08 | 106.75 | 2.51 | 104.24 | 1054.88 |
| 51 | 2029-09 | 106.75 | 2.29 | 104.46 | 950.41 |
| 52 | 2029-10 | 106.75 | 2.06 | 104.69 | 845.72 |
| 53 | 2029-11 | 106.75 | 1.83 | 104.92 | 740.81 |
| 54 | 2029-12 | 106.75 | 1.61 | 105.14 | 635.66 |
| 55 | 2030-01 | 106.75 | 1.38 | 105.37 | 530.29 |
| 56 | 2030-02 | 106.75 | 1.15 | 105.60 | 424.69 |
| 57 | 2030-03 | 106.75 | 0.92 | 105.83 | 318.86 |
| 58 | 2030-04 | 106.75 | 0.69 | 106.06 | 212.81 |
| 59 | 2030-05 | 106.75 | 0.46 | 106.29 | 106.52 |
| 60 | 2030-06 | 106.75 | 0.23 | 106.52 | 0.00 |
等额本金还款方式：
贷款总额：6000元
还款月数：5年
首月还款：113元
每月递减：0.22元
利息总额：396.5元
本息合计：6396.5元
节省利息：8.44元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 113.00 | 13.00 | 100.00 | 5900.00 |
| 2 | 2025-08 | 112.78 | 12.78 | 100.00 | 5800.00 |
| 3 | 2025-09 | 112.57 | 12.57 | 100.00 | 5700.00 |
| 4 | 2025-10 | 112.35 | 12.35 | 100.00 | 5600.00 |
| 5 | 2025-11 | 112.13 | 12.13 | 100.00 | 5500.00 |
| 6 | 2025-12 | 111.92 | 11.92 | 100.00 | 5400.00 |
| 7 | 2026-01 | 111.70 | 11.70 | 100.00 | 5300.00 |
| 8 | 2026-02 | 111.48 | 11.48 | 100.00 | 5200.00 |
| 9 | 2026-03 | 111.27 | 11.27 | 100.00 | 5100.00 |
| 10 | 2026-04 | 111.05 | 11.05 | 100.00 | 5000.00 |
| 11 | 2026-05 | 110.83 | 10.83 | 100.00 | 4900.00 |
| 12 | 2026-06 | 110.62 | 10.62 | 100.00 | 4800.00 |
| 13 | 2026-07 | 110.40 | 10.40 | 100.00 | 4700.00 |
| 14 | 2026-08 | 110.18 | 10.18 | 100.00 | 4600.00 |
| 15 | 2026-09 | 109.97 | 9.97 | 100.00 | 4500.00 |
| 16 | 2026-10 | 109.75 | 9.75 | 100.00 | 4400.00 |
| 17 | 2026-11 | 109.53 | 9.53 | 100.00 | 4300.00 |
| 18 | 2026-12 | 109.32 | 9.32 | 100.00 | 4200.00 |
| 19 | 2027-01 | 109.10 | 9.10 | 100.00 | 4100.00 |
| 20 | 2027-02 | 108.88 | 8.88 | 100.00 | 4000.00 |
| 21 | 2027-03 | 108.67 | 8.67 | 100.00 | 3900.00 |
| 22 | 2027-04 | 108.45 | 8.45 | 100.00 | 3800.00 |
| 23 | 2027-05 | 108.23 | 8.23 | 100.00 | 3700.00 |
| 24 | 2027-06 | 108.02 | 8.02 | 100.00 | 3600.00 |
| 25 | 2027-07 | 107.80 | 7.80 | 100.00 | 3500.00 |
| 26 | 2027-08 | 107.58 | 7.58 | 100.00 | 3400.00 |
| 27 | 2027-09 | 107.37 | 7.37 | 100.00 | 3300.00 |
| 28 | 2027-10 | 107.15 | 7.15 | 100.00 | 3200.00 |
| 29 | 2027-11 | 106.93 | 6.93 | 100.00 | 3100.00 |
| 30 | 2027-12 | 106.72 | 6.72 | 100.00 | 3000.00 |
| 31 | 2028-01 | 106.50 | 6.50 | 100.00 | 2900.00 |
| 32 | 2028-02 | 106.28 | 6.28 | 100.00 | 2800.00 |
| 33 | 2028-03 | 106.07 | 6.07 | 100.00 | 2700.00 |
| 34 | 2028-04 | 105.85 | 5.85 | 100.00 | 2600.00 |
| 35 | 2028-05 | 105.63 | 5.63 | 100.00 | 2500.00 |
| 36 | 2028-06 | 105.42 | 5.42 | 100.00 | 2400.00 |
| 37 | 2028-07 | 105.20 | 5.20 | 100.00 | 2300.00 |
| 38 | 2028-08 | 104.98 | 4.98 | 100.00 | 2200.00 |
| 39 | 2028-09 | 104.77 | 4.77 | 100.00 | 2100.00 |
| 40 | 2028-10 | 104.55 | 4.55 | 100.00 | 2000.00 |
| 41 | 2028-11 | 104.33 | 4.33 | 100.00 | 1900.00 |
| 42 | 2028-12 | 104.12 | 4.12 | 100.00 | 1800.00 |
| 43 | 2029-01 | 103.90 | 3.90 | 100.00 | 1700.00 |
| 44 | 2029-02 | 103.68 | 3.68 | 100.00 | 1600.00 |
| 45 | 2029-03 | 103.47 | 3.47 | 100.00 | 1500.00 |
| 46 | 2029-04 | 103.25 | 3.25 | 100.00 | 1400.00 |
| 47 | 2029-05 | 103.03 | 3.03 | 100.00 | 1300.00 |
| 48 | 2029-06 | 102.82 | 2.82 | 100.00 | 1200.00 |
| 49 | 2029-07 | 102.60 | 2.60 | 100.00 | 1100.00 |
| 50 | 2029-08 | 102.38 | 2.38 | 100.00 | 1000.00 |
| 51 | 2029-09 | 102.17 | 2.17 | 100.00 | 900.00 |
| 52 | 2029-10 | 101.95 | 1.95 | 100.00 | 800.00 |
| 53 | 2029-11 | 101.73 | 1.73 | 100.00 | 700.00 |
| 54 | 2029-12 | 101.52 | 1.52 | 100.00 | 600.00 |
| 55 | 2030-01 | 101.30 | 1.30 | 100.00 | 500.00 |
| 56 | 2030-02 | 101.08 | 1.08 | 100.00 | 400.00 |
| 57 | 2030-03 | 100.87 | 0.87 | 100.00 | 300.00 |
| 58 | 2030-04 | 100.65 | 0.65 | 100.00 | 200.00 |
| 59 | 2030-05 | 100.43 | 0.43 | 100.00 | 100.00 |
| 60 | 2030-06 | 100.22 | 0.22 | 100.00 | 0.00 |