贷款3万（商业贷款）房贷，还款3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：3万
还款月数：3年
每月还款：889.73元
利息总额：2030.23元
本息合计：3.2万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-02 | 889.73 | 107.50 | 782.23 | 29217.77 |
| 2 | 2024-03 | 889.73 | 104.70 | 785.03 | 28432.74 |
| 3 | 2024-04 | 889.73 | 101.88 | 787.84 | 27644.89 |
| 4 | 2024-05 | 889.73 | 99.06 | 790.67 | 26854.23 |
| 5 | 2024-06 | 889.73 | 96.23 | 793.50 | 26060.73 |
| 6 | 2024-07 | 889.73 | 93.38 | 796.34 | 25264.38 |
| 7 | 2024-08 | 889.73 | 90.53 | 799.20 | 24465.18 |
| 8 | 2024-09 | 889.73 | 87.67 | 802.06 | 23663.12 |
| 9 | 2024-10 | 889.73 | 84.79 | 804.94 | 22858.19 |
| 10 | 2024-11 | 889.73 | 81.91 | 807.82 | 22050.37 |
| 11 | 2024-12 | 889.73 | 79.01 | 810.71 | 21239.65 |
| 12 | 2025-01 | 889.73 | 76.11 | 813.62 | 20426.03 |
| 13 | 2025-02 | 889.73 | 73.19 | 816.54 | 19609.49 |
| 14 | 2025-03 | 889.73 | 70.27 | 819.46 | 18790.03 |
| 15 | 2025-04 | 889.73 | 67.33 | 822.40 | 17967.64 |
| 16 | 2025-05 | 889.73 | 64.38 | 825.34 | 17142.29 |
| 17 | 2025-06 | 889.73 | 61.43 | 828.30 | 16313.99 |
| 18 | 2025-07 | 889.73 | 58.46 | 831.27 | 15482.72 |
| 19 | 2025-08 | 889.73 | 55.48 | 834.25 | 14648.47 |
| 20 | 2025-09 | 889.73 | 52.49 | 837.24 | 13811.23 |
| 21 | 2025-10 | 889.73 | 49.49 | 840.24 | 12970.99 |
| 22 | 2025-11 | 889.73 | 46.48 | 843.25 | 12127.74 |
| 23 | 2025-12 | 889.73 | 43.46 | 846.27 | 11281.47 |
| 24 | 2026-01 | 889.73 | 40.43 | 849.30 | 10432.17 |
| 25 | 2026-02 | 889.73 | 37.38 | 852.35 | 9579.82 |
| 26 | 2026-03 | 889.73 | 34.33 | 855.40 | 8724.42 |
| 27 | 2026-04 | 889.73 | 31.26 | 858.47 | 7865.95 |
| 28 | 2026-05 | 889.73 | 28.19 | 861.54 | 7004.41 |
| 29 | 2026-06 | 889.73 | 25.10 | 864.63 | 6139.78 |
| 30 | 2026-07 | 889.73 | 22.00 | 867.73 | 5272.05 |
| 31 | 2026-08 | 889.73 | 18.89 | 870.84 | 4401.22 |
| 32 | 2026-09 | 889.73 | 15.77 | 873.96 | 3527.26 |
| 33 | 2026-10 | 889.73 | 12.64 | 877.09 | 2650.17 |
| 34 | 2026-11 | 889.73 | 9.50 | 880.23 | 1769.94 |
| 35 | 2026-12 | 889.73 | 6.34 | 883.39 | 886.55 |
| 36 | 2027-01 | 889.73 | 3.18 | 886.55 | 0.00 |
等额本金还款方式：
贷款总额：3万
还款月数：3年
首月还款：940.83元
每月递减：2.99元
利息总额：1988.75元
本息合计：3.2万
节省利息：41.48元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-02 | 940.83 | 107.50 | 833.33 | 29166.67 |
| 2 | 2024-03 | 937.85 | 104.51 | 833.33 | 28333.33 |
| 3 | 2024-04 | 934.86 | 101.53 | 833.33 | 27500.00 |
| 4 | 2024-05 | 931.88 | 98.54 | 833.33 | 26666.67 |
| 5 | 2024-06 | 928.89 | 95.56 | 833.33 | 25833.33 |
| 6 | 2024-07 | 925.90 | 92.57 | 833.33 | 25000.00 |
| 7 | 2024-08 | 922.92 | 89.58 | 833.33 | 24166.67 |
| 8 | 2024-09 | 919.93 | 86.60 | 833.33 | 23333.33 |
| 9 | 2024-10 | 916.94 | 83.61 | 833.33 | 22500.00 |
| 10 | 2024-11 | 913.96 | 80.62 | 833.33 | 21666.67 |
| 11 | 2024-12 | 910.97 | 77.64 | 833.33 | 20833.33 |
| 12 | 2025-01 | 907.99 | 74.65 | 833.33 | 20000.00 |
| 13 | 2025-02 | 905.00 | 71.67 | 833.33 | 19166.67 |
| 14 | 2025-03 | 902.01 | 68.68 | 833.33 | 18333.33 |
| 15 | 2025-04 | 899.03 | 65.69 | 833.33 | 17500.00 |
| 16 | 2025-05 | 896.04 | 62.71 | 833.33 | 16666.67 |
| 17 | 2025-06 | 893.06 | 59.72 | 833.33 | 15833.33 |
| 18 | 2025-07 | 890.07 | 56.74 | 833.33 | 15000.00 |
| 19 | 2025-08 | 887.08 | 53.75 | 833.33 | 14166.67 |
| 20 | 2025-09 | 884.10 | 50.76 | 833.33 | 13333.33 |
| 21 | 2025-10 | 881.11 | 47.78 | 833.33 | 12500.00 |
| 22 | 2025-11 | 878.13 | 44.79 | 833.33 | 11666.67 |
| 23 | 2025-12 | 875.14 | 41.81 | 833.33 | 10833.33 |
| 24 | 2026-01 | 872.15 | 38.82 | 833.33 | 10000.00 |
| 25 | 2026-02 | 869.17 | 35.83 | 833.33 | 9166.67 |
| 26 | 2026-03 | 866.18 | 32.85 | 833.33 | 8333.33 |
| 27 | 2026-04 | 863.19 | 29.86 | 833.33 | 7500.00 |
| 28 | 2026-05 | 860.21 | 26.87 | 833.33 | 6666.67 |
| 29 | 2026-06 | 857.22 | 23.89 | 833.33 | 5833.33 |
| 30 | 2026-07 | 854.24 | 20.90 | 833.33 | 5000.00 |
| 31 | 2026-08 | 851.25 | 17.92 | 833.33 | 4166.67 |
| 32 | 2026-09 | 848.26 | 14.93 | 833.33 | 3333.33 |
| 33 | 2026-10 | 845.28 | 11.94 | 833.33 | 2500.00 |
| 34 | 2026-11 | 842.29 | 8.96 | 833.33 | 1666.67 |
| 35 | 2026-12 | 839.31 | 5.97 | 833.33 | 833.33 |
| 36 | 2027-01 | 836.32 | 2.99 | 833.33 | 0.00 |