贷款5500元（公积金贷款）房贷，还款7年2个月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：5500元
还款月数：7年2个月
每月还款：70.17元
利息总额：534.26元
本息合计：6034.26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 | 70.17 | 11.92 | 58.25 | 5441.75 |
| 2 | 2025-08 | 70.17 | 11.79 | 58.38 | 5383.38 |
| 3 | 2025-09 | 70.17 | 11.66 | 58.50 | 5324.87 |
| 4 | 2025-10 | 70.17 | 11.54 | 58.63 | 5266.25 |
| 5 | 2025-11 | 70.17 | 11.41 | 58.76 | 5207.49 |
| 6 | 2025-12 | 70.17 | 11.28 | 58.88 | 5148.61 |
| 7 | 2026-01 | 70.17 | 11.16 | 59.01 | 5089.60 |
| 8 | 2026-02 | 70.17 | 11.03 | 59.14 | 5030.46 |
| 9 | 2026-03 | 70.17 | 10.90 | 59.27 | 4971.19 |
| 10 | 2026-04 | 70.17 | 10.77 | 59.39 | 4911.80 |
| 11 | 2026-05 | 70.17 | 10.64 | 59.52 | 4852.27 |
| 12 | 2026-06 | 70.17 | 10.51 | 59.65 | 4792.62 |
| 13 | 2026-07 | 70.17 | 10.38 | 59.78 | 4732.84 |
| 14 | 2026-08 | 70.17 | 10.25 | 59.91 | 4672.93 |
| 15 | 2026-09 | 70.17 | 10.12 | 60.04 | 4612.89 |
| 16 | 2026-10 | 70.17 | 9.99 | 60.17 | 4552.71 |
| 17 | 2026-11 | 70.17 | 9.86 | 60.30 | 4492.41 |
| 18 | 2026-12 | 70.17 | 9.73 | 60.43 | 4431.98 |
| 19 | 2027-01 | 70.17 | 9.60 | 60.56 | 4371.42 |
| 20 | 2027-02 | 70.17 | 9.47 | 60.69 | 4310.72 |
| 21 | 2027-03 | 70.17 | 9.34 | 60.83 | 4249.90 |
| 22 | 2027-04 | 70.17 | 9.21 | 60.96 | 4188.94 |
| 23 | 2027-05 | 70.17 | 9.08 | 61.09 | 4127.85 |
| 24 | 2027-06 | 70.17 | 8.94 | 61.22 | 4066.63 |
| 25 | 2027-07 | 70.17 | 8.81 | 61.35 | 4005.27 |
| 26 | 2027-08 | 70.17 | 8.68 | 61.49 | 3943.79 |
| 27 | 2027-09 | 70.17 | 8.54 | 61.62 | 3882.16 |
| 28 | 2027-10 | 70.17 | 8.41 | 61.75 | 3820.41 |
| 29 | 2027-11 | 70.17 | 8.28 | 61.89 | 3758.52 |
| 30 | 2027-12 | 70.17 | 8.14 | 62.02 | 3696.50 |
| 31 | 2028-01 | 70.17 | 8.01 | 62.16 | 3634.34 |
| 32 | 2028-02 | 70.17 | 7.87 | 62.29 | 3572.05 |
| 33 | 2028-03 | 70.17 | 7.74 | 62.43 | 3509.62 |
| 34 | 2028-04 | 70.17 | 7.60 | 62.56 | 3447.06 |
| 35 | 2028-05 | 70.17 | 7.47 | 62.70 | 3384.37 |
| 36 | 2028-06 | 70.17 | 7.33 | 62.83 | 3321.53 |
| 37 | 2028-07 | 70.17 | 7.20 | 62.97 | 3258.56 |
| 38 | 2028-08 | 70.17 | 7.06 | 63.11 | 3195.46 |
| 39 | 2028-09 | 70.17 | 6.92 | 63.24 | 3132.22 |
| 40 | 2028-10 | 70.17 | 6.79 | 63.38 | 3068.84 |
| 41 | 2028-11 | 70.17 | 6.65 | 63.52 | 3005.32 |
| 42 | 2028-12 | 70.17 | 6.51 | 63.65 | 2941.67 |
| 43 | 2029-01 | 70.17 | 6.37 | 63.79 | 2877.87 |
| 44 | 2029-02 | 70.17 | 6.24 | 63.93 | 2813.94 |
| 45 | 2029-03 | 70.17 | 6.10 | 64.07 | 2749.87 |
| 46 | 2029-04 | 70.17 | 5.96 | 64.21 | 2685.67 |
| 47 | 2029-05 | 70.17 | 5.82 | 64.35 | 2621.32 |
| 48 | 2029-06 | 70.17 | 5.68 | 64.49 | 2556.83 |
| 49 | 2029-07 | 70.17 | 5.54 | 64.63 | 2492.21 |
| 50 | 2029-08 | 70.17 | 5.40 | 64.77 | 2427.44 |
| 51 | 2029-09 | 70.17 | 5.26 | 64.91 | 2362.53 |
| 52 | 2029-10 | 70.17 | 5.12 | 65.05 | 2297.49 |
| 53 | 2029-11 | 70.17 | 4.98 | 65.19 | 2232.30 |
| 54 | 2029-12 | 70.17 | 4.84 | 65.33 | 2166.97 |
| 55 | 2030-01 | 70.17 | 4.70 | 65.47 | 2101.50 |
| 56 | 2030-02 | 70.17 | 4.55 | 65.61 | 2035.89 |
| 57 | 2030-03 | 70.17 | 4.41 | 65.75 | 1970.13 |
| 58 | 2030-04 | 70.17 | 4.27 | 65.90 | 1904.24 |
| 59 | 2030-05 | 70.17 | 4.13 | 66.04 | 1838.20 |
| 60 | 2030-06 | 70.17 | 3.98 | 66.18 | 1772.01 |
| 61 | 2030-07 | 70.17 | 3.84 | 66.33 | 1705.69 |
| 62 | 2030-08 | 70.17 | 3.70 | 66.47 | 1639.22 |
| 63 | 2030-09 | 70.17 | 3.55 | 66.61 | 1572.60 |
| 64 | 2030-10 | 70.17 | 3.41 | 66.76 | 1505.84 |
| 65 | 2030-11 | 70.17 | 3.26 | 66.90 | 1438.94 |
| 66 | 2030-12 | 70.17 | 3.12 | 67.05 | 1371.89 |
| 67 | 2031-01 | 70.17 | 2.97 | 67.19 | 1304.70 |
| 68 | 2031-02 | 70.17 | 2.83 | 67.34 | 1237.36 |
| 69 | 2031-03 | 70.17 | 2.68 | 67.48 | 1169.87 |
| 70 | 2031-04 | 70.17 | 2.53 | 67.63 | 1102.24 |
| 71 | 2031-05 | 70.17 | 2.39 | 67.78 | 1034.47 |
| 72 | 2031-06 | 70.17 | 2.24 | 67.92 | 966.54 |
| 73 | 2031-07 | 70.17 | 2.09 | 68.07 | 898.47 |
| 74 | 2031-08 | 70.17 | 1.95 | 68.22 | 830.25 |
| 75 | 2031-09 | 70.17 | 1.80 | 68.37 | 761.88 |
| 76 | 2031-10 | 70.17 | 1.65 | 68.52 | 693.37 |
| 77 | 2031-11 | 70.17 | 1.50 | 68.66 | 624.71 |
| 78 | 2031-12 | 70.17 | 1.35 | 68.81 | 555.89 |
| 79 | 2032-01 | 70.17 | 1.20 | 68.96 | 486.93 |
| 80 | 2032-02 | 70.17 | 1.06 | 69.11 | 417.82 |
| 81 | 2032-03 | 70.17 | 0.91 | 69.26 | 348.56 |
| 82 | 2032-04 | 70.17 | 0.76 | 69.41 | 279.15 |
| 83 | 2032-05 | 70.17 | 0.60 | 69.56 | 209.59 |
| 84 | 2032-06 | 70.17 | 0.45 | 69.71 | 139.88 |
| 85 | 2032-07 | 70.17 | 0.30 | 69.86 | 70.01 |
| 86 | 2032-08 | 70.17 | 0.15 | 70.01 | 0.00 |
等额本金还款方式：
贷款总额：5500元
还款月数：7年2个月
首月还款：75.87元
每月递减：0.14元
利息总额：518.38元
本息合计：6018.38元
节省利息：15.88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 | 75.87 | 11.92 | 63.95 | 5436.05 |
| 2 | 2025-08 | 75.73 | 11.78 | 63.95 | 5372.09 |
| 3 | 2025-09 | 75.59 | 11.64 | 63.95 | 5308.14 |
| 4 | 2025-10 | 75.45 | 11.50 | 63.95 | 5244.19 |
| 5 | 2025-11 | 75.32 | 11.36 | 63.95 | 5180.23 |
| 6 | 2025-12 | 75.18 | 11.22 | 63.95 | 5116.28 |
| 7 | 2026-01 | 75.04 | 11.09 | 63.95 | 5052.33 |
| 8 | 2026-02 | 74.90 | 10.95 | 63.95 | 4988.37 |
| 9 | 2026-03 | 74.76 | 10.81 | 63.95 | 4924.42 |
| 10 | 2026-04 | 74.62 | 10.67 | 63.95 | 4860.47 |
| 11 | 2026-05 | 74.48 | 10.53 | 63.95 | 4796.51 |
| 12 | 2026-06 | 74.35 | 10.39 | 63.95 | 4732.56 |
| 13 | 2026-07 | 74.21 | 10.25 | 63.95 | 4668.60 |
| 14 | 2026-08 | 74.07 | 10.12 | 63.95 | 4604.65 |
| 15 | 2026-09 | 73.93 | 9.98 | 63.95 | 4540.70 |
| 16 | 2026-10 | 73.79 | 9.84 | 63.95 | 4476.74 |
| 17 | 2026-11 | 73.65 | 9.70 | 63.95 | 4412.79 |
| 18 | 2026-12 | 73.51 | 9.56 | 63.95 | 4348.84 |
| 19 | 2027-01 | 73.38 | 9.42 | 63.95 | 4284.88 |
| 20 | 2027-02 | 73.24 | 9.28 | 63.95 | 4220.93 |
| 21 | 2027-03 | 73.10 | 9.15 | 63.95 | 4156.98 |
| 22 | 2027-04 | 72.96 | 9.01 | 63.95 | 4093.02 |
| 23 | 2027-05 | 72.82 | 8.87 | 63.95 | 4029.07 |
| 24 | 2027-06 | 72.68 | 8.73 | 63.95 | 3965.12 |
| 25 | 2027-07 | 72.54 | 8.59 | 63.95 | 3901.16 |
| 26 | 2027-08 | 72.41 | 8.45 | 63.95 | 3837.21 |
| 27 | 2027-09 | 72.27 | 8.31 | 63.95 | 3773.26 |
| 28 | 2027-10 | 72.13 | 8.18 | 63.95 | 3709.30 |
| 29 | 2027-11 | 71.99 | 8.04 | 63.95 | 3645.35 |
| 30 | 2027-12 | 71.85 | 7.90 | 63.95 | 3581.40 |
| 31 | 2028-01 | 71.71 | 7.76 | 63.95 | 3517.44 |
| 32 | 2028-02 | 71.57 | 7.62 | 63.95 | 3453.49 |
| 33 | 2028-03 | 71.44 | 7.48 | 63.95 | 3389.53 |
| 34 | 2028-04 | 71.30 | 7.34 | 63.95 | 3325.58 |
| 35 | 2028-05 | 71.16 | 7.21 | 63.95 | 3261.63 |
| 36 | 2028-06 | 71.02 | 7.07 | 63.95 | 3197.67 |
| 37 | 2028-07 | 70.88 | 6.93 | 63.95 | 3133.72 |
| 38 | 2028-08 | 70.74 | 6.79 | 63.95 | 3069.77 |
| 39 | 2028-09 | 70.60 | 6.65 | 63.95 | 3005.81 |
| 40 | 2028-10 | 70.47 | 6.51 | 63.95 | 2941.86 |
| 41 | 2028-11 | 70.33 | 6.37 | 63.95 | 2877.91 |
| 42 | 2028-12 | 70.19 | 6.24 | 63.95 | 2813.95 |
| 43 | 2029-01 | 70.05 | 6.10 | 63.95 | 2750.00 |
| 44 | 2029-02 | 69.91 | 5.96 | 63.95 | 2686.05 |
| 45 | 2029-03 | 69.77 | 5.82 | 63.95 | 2622.09 |
| 46 | 2029-04 | 69.63 | 5.68 | 63.95 | 2558.14 |
| 47 | 2029-05 | 69.50 | 5.54 | 63.95 | 2494.19 |
| 48 | 2029-06 | 69.36 | 5.40 | 63.95 | 2430.23 |
| 49 | 2029-07 | 69.22 | 5.27 | 63.95 | 2366.28 |
| 50 | 2029-08 | 69.08 | 5.13 | 63.95 | 2302.33 |
| 51 | 2029-09 | 68.94 | 4.99 | 63.95 | 2238.37 |
| 52 | 2029-10 | 68.80 | 4.85 | 63.95 | 2174.42 |
| 53 | 2029-11 | 68.66 | 4.71 | 63.95 | 2110.47 |
| 54 | 2029-12 | 68.53 | 4.57 | 63.95 | 2046.51 |
| 55 | 2030-01 | 68.39 | 4.43 | 63.95 | 1982.56 |
| 56 | 2030-02 | 68.25 | 4.30 | 63.95 | 1918.60 |
| 57 | 2030-03 | 68.11 | 4.16 | 63.95 | 1854.65 |
| 58 | 2030-04 | 67.97 | 4.02 | 63.95 | 1790.70 |
| 59 | 2030-05 | 67.83 | 3.88 | 63.95 | 1726.74 |
| 60 | 2030-06 | 67.69 | 3.74 | 63.95 | 1662.79 |
| 61 | 2030-07 | 67.56 | 3.60 | 63.95 | 1598.84 |
| 62 | 2030-08 | 67.42 | 3.46 | 63.95 | 1534.88 |
| 63 | 2030-09 | 67.28 | 3.33 | 63.95 | 1470.93 |
| 64 | 2030-10 | 67.14 | 3.19 | 63.95 | 1406.98 |
| 65 | 2030-11 | 67.00 | 3.05 | 63.95 | 1343.02 |
| 66 | 2030-12 | 66.86 | 2.91 | 63.95 | 1279.07 |
| 67 | 2031-01 | 66.72 | 2.77 | 63.95 | 1215.12 |
| 68 | 2031-02 | 66.59 | 2.63 | 63.95 | 1151.16 |
| 69 | 2031-03 | 66.45 | 2.49 | 63.95 | 1087.21 |
| 70 | 2031-04 | 66.31 | 2.36 | 63.95 | 1023.26 |
| 71 | 2031-05 | 66.17 | 2.22 | 63.95 | 959.30 |
| 72 | 2031-06 | 66.03 | 2.08 | 63.95 | 895.35 |
| 73 | 2031-07 | 65.89 | 1.94 | 63.95 | 831.40 |
| 74 | 2031-08 | 65.75 | 1.80 | 63.95 | 767.44 |
| 75 | 2031-09 | 65.62 | 1.66 | 63.95 | 703.49 |
| 76 | 2031-10 | 65.48 | 1.52 | 63.95 | 639.53 |
| 77 | 2031-11 | 65.34 | 1.39 | 63.95 | 575.58 |
| 78 | 2031-12 | 65.20 | 1.25 | 63.95 | 511.63 |
| 79 | 2032-01 | 65.06 | 1.11 | 63.95 | 447.67 |
| 80 | 2032-02 | 64.92 | 0.97 | 63.95 | 383.72 |
| 81 | 2032-03 | 64.78 | 0.83 | 63.95 | 319.77 |
| 82 | 2032-04 | 64.65 | 0.69 | 63.95 | 255.81 |
| 83 | 2032-05 | 64.51 | 0.55 | 63.95 | 191.86 |
| 84 | 2032-06 | 64.37 | 0.42 | 63.95 | 127.91 |
| 85 | 2032-07 | 64.23 | 0.28 | 63.95 | 63.95 |
| 86 | 2032-08 | 64.09 | 0.14 | 63.95 | 0.00 |