贷款108万（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：108万
还款月数：5年
每月还款：19526.4元
利息总额：9.16万
本息合计：117.16万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 19526.40 | 2925.00 | 16601.40 | 1063398.60 |
| 2 | 2024-05 | 19526.40 | 2880.04 | 16646.36 | 1046752.23 |
| 3 | 2024-06 | 19526.40 | 2834.95 | 16691.45 | 1030060.78 |
| 4 | 2024-07 | 19526.40 | 2789.75 | 16736.65 | 1013324.13 |
| 5 | 2024-08 | 19526.40 | 2744.42 | 16781.98 | 996542.15 |
| 6 | 2024-09 | 19526.40 | 2698.97 | 16827.43 | 979714.71 |
| 7 | 2024-10 | 19526.40 | 2653.39 | 16873.01 | 962841.70 |
| 8 | 2024-11 | 19526.40 | 2607.70 | 16918.71 | 945923.00 |
| 9 | 2024-12 | 19526.40 | 2561.87 | 16964.53 | 928958.47 |
| 10 | 2025-01 | 19526.40 | 2515.93 | 17010.47 | 911948.00 |
| 11 | 2025-02 | 19526.40 | 2469.86 | 17056.54 | 894891.45 |
| 12 | 2025-03 | 19526.40 | 2423.66 | 17102.74 | 877788.72 |
| 13 | 2025-04 | 19526.40 | 2377.34 | 17149.06 | 860639.66 |
| 14 | 2025-05 | 19526.40 | 2330.90 | 17195.50 | 843444.15 |
| 15 | 2025-06 | 19526.40 | 2284.33 | 17242.07 | 826202.08 |
| 16 | 2025-07 | 19526.40 | 2237.63 | 17288.77 | 808913.31 |
| 17 | 2025-08 | 19526.40 | 2190.81 | 17335.60 | 791577.71 |
| 18 | 2025-09 | 19526.40 | 2143.86 | 17382.55 | 774195.17 |
| 19 | 2025-10 | 19526.40 | 2096.78 | 17429.62 | 756765.54 |
| 20 | 2025-11 | 19526.40 | 2049.57 | 17476.83 | 739288.71 |
| 21 | 2025-12 | 19526.40 | 2002.24 | 17524.16 | 721764.55 |
| 22 | 2026-01 | 19526.40 | 1954.78 | 17571.62 | 704192.93 |
| 23 | 2026-02 | 19526.40 | 1907.19 | 17619.21 | 686573.71 |
| 24 | 2026-03 | 19526.40 | 1859.47 | 17666.93 | 668906.78 |
| 25 | 2026-04 | 19526.40 | 1811.62 | 17714.78 | 651192.00 |
| 26 | 2026-05 | 19526.40 | 1763.65 | 17762.76 | 633429.24 |
| 27 | 2026-06 | 19526.40 | 1715.54 | 17810.86 | 615618.38 |
| 28 | 2026-07 | 19526.40 | 1667.30 | 17859.10 | 597759.28 |
| 29 | 2026-08 | 19526.40 | 1618.93 | 17907.47 | 579851.81 |
| 30 | 2026-09 | 19526.40 | 1570.43 | 17955.97 | 561895.83 |
| 31 | 2026-10 | 19526.40 | 1521.80 | 18004.60 | 543891.23 |
| 32 | 2026-11 | 19526.40 | 1473.04 | 18053.36 | 525837.87 |
| 33 | 2026-12 | 19526.40 | 1424.14 | 18102.26 | 507735.61 |
| 34 | 2027-01 | 19526.40 | 1375.12 | 18151.29 | 489584.33 |
| 35 | 2027-02 | 19526.40 | 1325.96 | 18200.44 | 471383.88 |
| 36 | 2027-03 | 19526.40 | 1276.66 | 18249.74 | 453134.14 |
| 37 | 2027-04 | 19526.40 | 1227.24 | 18299.16 | 434834.98 |
| 38 | 2027-05 | 19526.40 | 1177.68 | 18348.72 | 416486.25 |
| 39 | 2027-06 | 19526.40 | 1127.98 | 18398.42 | 398087.84 |
| 40 | 2027-07 | 19526.40 | 1078.15 | 18448.25 | 379639.59 |
| 41 | 2027-08 | 19526.40 | 1028.19 | 18498.21 | 361141.38 |
| 42 | 2027-09 | 19526.40 | 978.09 | 18548.31 | 342593.06 |
| 43 | 2027-10 | 19526.40 | 927.86 | 18598.55 | 323994.52 |
| 44 | 2027-11 | 19526.40 | 877.49 | 18648.92 | 305345.60 |
| 45 | 2027-12 | 19526.40 | 826.98 | 18699.42 | 286646.18 |
| 46 | 2028-01 | 19526.40 | 776.33 | 18750.07 | 267896.11 |
| 47 | 2028-02 | 19526.40 | 725.55 | 18800.85 | 249095.26 |
| 48 | 2028-03 | 19526.40 | 674.63 | 18851.77 | 230243.49 |
| 49 | 2028-04 | 19526.40 | 623.58 | 18902.83 | 211340.66 |
| 50 | 2028-05 | 19526.40 | 572.38 | 18954.02 | 192386.64 |
| 51 | 2028-06 | 19526.40 | 521.05 | 19005.36 | 173381.28 |
| 52 | 2028-07 | 19526.40 | 469.57 | 19056.83 | 154324.46 |
| 53 | 2028-08 | 19526.40 | 417.96 | 19108.44 | 135216.02 |
| 54 | 2028-09 | 19526.40 | 366.21 | 19160.19 | 116055.82 |
| 55 | 2028-10 | 19526.40 | 314.32 | 19212.08 | 96843.74 |
| 56 | 2028-11 | 19526.40 | 262.29 | 19264.12 | 77579.62 |
| 57 | 2028-12 | 19526.40 | 210.11 | 19316.29 | 58263.33 |
| 58 | 2029-01 | 19526.40 | 157.80 | 19368.61 | 38894.72 |
| 59 | 2029-02 | 19526.40 | 105.34 | 19421.06 | 19473.66 |
| 60 | 2029-03 | 19526.40 | 52.74 | 19473.66 | 0.00 |
等额本金还款方式：
贷款总额：108万
还款月数：5年
首月还款：20925元
每月递减：48.75元
利息总额：8.92万
本息合计：116.92万
节省利息：2371.65元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 20925.00 | 2925.00 | 18000.00 | 1062000.00 |
| 2 | 2024-05 | 20876.25 | 2876.25 | 18000.00 | 1044000.00 |
| 3 | 2024-06 | 20827.50 | 2827.50 | 18000.00 | 1026000.00 |
| 4 | 2024-07 | 20778.75 | 2778.75 | 18000.00 | 1008000.00 |
| 5 | 2024-08 | 20730.00 | 2730.00 | 18000.00 | 990000.00 |
| 6 | 2024-09 | 20681.25 | 2681.25 | 18000.00 | 972000.00 |
| 7 | 2024-10 | 20632.50 | 2632.50 | 18000.00 | 954000.00 |
| 8 | 2024-11 | 20583.75 | 2583.75 | 18000.00 | 936000.00 |
| 9 | 2024-12 | 20535.00 | 2535.00 | 18000.00 | 918000.00 |
| 10 | 2025-01 | 20486.25 | 2486.25 | 18000.00 | 900000.00 |
| 11 | 2025-02 | 20437.50 | 2437.50 | 18000.00 | 882000.00 |
| 12 | 2025-03 | 20388.75 | 2388.75 | 18000.00 | 864000.00 |
| 13 | 2025-04 | 20340.00 | 2340.00 | 18000.00 | 846000.00 |
| 14 | 2025-05 | 20291.25 | 2291.25 | 18000.00 | 828000.00 |
| 15 | 2025-06 | 20242.50 | 2242.50 | 18000.00 | 810000.00 |
| 16 | 2025-07 | 20193.75 | 2193.75 | 18000.00 | 792000.00 |
| 17 | 2025-08 | 20145.00 | 2145.00 | 18000.00 | 774000.00 |
| 18 | 2025-09 | 20096.25 | 2096.25 | 18000.00 | 756000.00 |
| 19 | 2025-10 | 20047.50 | 2047.50 | 18000.00 | 738000.00 |
| 20 | 2025-11 | 19998.75 | 1998.75 | 18000.00 | 720000.00 |
| 21 | 2025-12 | 19950.00 | 1950.00 | 18000.00 | 702000.00 |
| 22 | 2026-01 | 19901.25 | 1901.25 | 18000.00 | 684000.00 |
| 23 | 2026-02 | 19852.50 | 1852.50 | 18000.00 | 666000.00 |
| 24 | 2026-03 | 19803.75 | 1803.75 | 18000.00 | 648000.00 |
| 25 | 2026-04 | 19755.00 | 1755.00 | 18000.00 | 630000.00 |
| 26 | 2026-05 | 19706.25 | 1706.25 | 18000.00 | 612000.00 |
| 27 | 2026-06 | 19657.50 | 1657.50 | 18000.00 | 594000.00 |
| 28 | 2026-07 | 19608.75 | 1608.75 | 18000.00 | 576000.00 |
| 29 | 2026-08 | 19560.00 | 1560.00 | 18000.00 | 558000.00 |
| 30 | 2026-09 | 19511.25 | 1511.25 | 18000.00 | 540000.00 |
| 31 | 2026-10 | 19462.50 | 1462.50 | 18000.00 | 522000.00 |
| 32 | 2026-11 | 19413.75 | 1413.75 | 18000.00 | 504000.00 |
| 33 | 2026-12 | 19365.00 | 1365.00 | 18000.00 | 486000.00 |
| 34 | 2027-01 | 19316.25 | 1316.25 | 18000.00 | 468000.00 |
| 35 | 2027-02 | 19267.50 | 1267.50 | 18000.00 | 450000.00 |
| 36 | 2027-03 | 19218.75 | 1218.75 | 18000.00 | 432000.00 |
| 37 | 2027-04 | 19170.00 | 1170.00 | 18000.00 | 414000.00 |
| 38 | 2027-05 | 19121.25 | 1121.25 | 18000.00 | 396000.00 |
| 39 | 2027-06 | 19072.50 | 1072.50 | 18000.00 | 378000.00 |
| 40 | 2027-07 | 19023.75 | 1023.75 | 18000.00 | 360000.00 |
| 41 | 2027-08 | 18975.00 | 975.00 | 18000.00 | 342000.00 |
| 42 | 2027-09 | 18926.25 | 926.25 | 18000.00 | 324000.00 |
| 43 | 2027-10 | 18877.50 | 877.50 | 18000.00 | 306000.00 |
| 44 | 2027-11 | 18828.75 | 828.75 | 18000.00 | 288000.00 |
| 45 | 2027-12 | 18780.00 | 780.00 | 18000.00 | 270000.00 |
| 46 | 2028-01 | 18731.25 | 731.25 | 18000.00 | 252000.00 |
| 47 | 2028-02 | 18682.50 | 682.50 | 18000.00 | 234000.00 |
| 48 | 2028-03 | 18633.75 | 633.75 | 18000.00 | 216000.00 |
| 49 | 2028-04 | 18585.00 | 585.00 | 18000.00 | 198000.00 |
| 50 | 2028-05 | 18536.25 | 536.25 | 18000.00 | 180000.00 |
| 51 | 2028-06 | 18487.50 | 487.50 | 18000.00 | 162000.00 |
| 52 | 2028-07 | 18438.75 | 438.75 | 18000.00 | 144000.00 |
| 53 | 2028-08 | 18390.00 | 390.00 | 18000.00 | 126000.00 |
| 54 | 2028-09 | 18341.25 | 341.25 | 18000.00 | 108000.00 |
| 55 | 2028-10 | 18292.50 | 292.50 | 18000.00 | 90000.00 |
| 56 | 2028-11 | 18243.75 | 243.75 | 18000.00 | 72000.00 |
| 57 | 2028-12 | 18195.00 | 195.00 | 18000.00 | 54000.00 |
| 58 | 2029-01 | 18146.25 | 146.25 | 18000.00 | 36000.00 |
| 59 | 2029-02 | 18097.50 | 97.50 | 18000.00 | 18000.00 |
| 60 | 2029-03 | 18048.75 | 48.75 | 18000.00 | 0.00 |