北京贷款480元（商业贷款）房贷，还款10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：480元
还款月数：10年
每月还款：4.93元
利息总额：111.42元
本息合计：591.42元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 4.93 | 1.72 | 3.21 | 476.79 |
| 2 | 2025-03 | 4.93 | 1.71 | 3.22 | 473.57 |
| 3 | 2025-04 | 4.93 | 1.70 | 3.23 | 470.34 |
| 4 | 2025-05 | 4.93 | 1.69 | 3.24 | 467.10 |
| 5 | 2025-06 | 4.93 | 1.67 | 3.25 | 463.84 |
| 6 | 2025-07 | 4.93 | 1.66 | 3.27 | 460.58 |
| 7 | 2025-08 | 4.93 | 1.65 | 3.28 | 457.30 |
| 8 | 2025-09 | 4.93 | 1.64 | 3.29 | 454.01 |
| 9 | 2025-10 | 4.93 | 1.63 | 3.30 | 450.71 |
| 10 | 2025-11 | 4.93 | 1.62 | 3.31 | 447.39 |
| 11 | 2025-12 | 4.93 | 1.60 | 3.33 | 444.07 |
| 12 | 2026-01 | 4.93 | 1.59 | 3.34 | 440.73 |
| 13 | 2026-02 | 4.93 | 1.58 | 3.35 | 437.38 |
| 14 | 2026-03 | 4.93 | 1.57 | 3.36 | 434.02 |
| 15 | 2026-04 | 4.93 | 1.56 | 3.37 | 430.65 |
| 16 | 2026-05 | 4.93 | 1.54 | 3.39 | 427.26 |
| 17 | 2026-06 | 4.93 | 1.53 | 3.40 | 423.86 |
| 18 | 2026-07 | 4.93 | 1.52 | 3.41 | 420.45 |
| 19 | 2026-08 | 4.93 | 1.51 | 3.42 | 417.03 |
| 20 | 2026-09 | 4.93 | 1.49 | 3.43 | 413.60 |
| 21 | 2026-10 | 4.93 | 1.48 | 3.45 | 410.15 |
| 22 | 2026-11 | 4.93 | 1.47 | 3.46 | 406.69 |
| 23 | 2026-12 | 4.93 | 1.46 | 3.47 | 403.22 |
| 24 | 2027-01 | 4.93 | 1.44 | 3.48 | 399.74 |
| 25 | 2027-02 | 4.93 | 1.43 | 3.50 | 396.24 |
| 26 | 2027-03 | 4.93 | 1.42 | 3.51 | 392.73 |
| 27 | 2027-04 | 4.93 | 1.41 | 3.52 | 389.21 |
| 28 | 2027-05 | 4.93 | 1.39 | 3.53 | 385.68 |
| 29 | 2027-06 | 4.93 | 1.38 | 3.55 | 382.13 |
| 30 | 2027-07 | 4.93 | 1.37 | 3.56 | 378.57 |
| 31 | 2027-08 | 4.93 | 1.36 | 3.57 | 375.00 |
| 32 | 2027-09 | 4.93 | 1.34 | 3.58 | 371.42 |
| 33 | 2027-10 | 4.93 | 1.33 | 3.60 | 367.82 |
| 34 | 2027-11 | 4.93 | 1.32 | 3.61 | 364.21 |
| 35 | 2027-12 | 4.93 | 1.31 | 3.62 | 360.58 |
| 36 | 2028-01 | 4.93 | 1.29 | 3.64 | 356.95 |
| 37 | 2028-02 | 4.93 | 1.28 | 3.65 | 353.30 |
| 38 | 2028-03 | 4.93 | 1.27 | 3.66 | 349.64 |
| 39 | 2028-04 | 4.93 | 1.25 | 3.68 | 345.96 |
| 40 | 2028-05 | 4.93 | 1.24 | 3.69 | 342.27 |
| 41 | 2028-06 | 4.93 | 1.23 | 3.70 | 338.57 |
| 42 | 2028-07 | 4.93 | 1.21 | 3.72 | 334.85 |
| 43 | 2028-08 | 4.93 | 1.20 | 3.73 | 331.13 |
| 44 | 2028-09 | 4.93 | 1.19 | 3.74 | 327.38 |
| 45 | 2028-10 | 4.93 | 1.17 | 3.76 | 323.63 |
| 46 | 2028-11 | 4.93 | 1.16 | 3.77 | 319.86 |
| 47 | 2028-12 | 4.93 | 1.15 | 3.78 | 316.08 |
| 48 | 2029-01 | 4.93 | 1.13 | 3.80 | 312.28 |
| 49 | 2029-02 | 4.93 | 1.12 | 3.81 | 308.47 |
| 50 | 2029-03 | 4.93 | 1.11 | 3.82 | 304.65 |
| 51 | 2029-04 | 4.93 | 1.09 | 3.84 | 300.81 |
| 52 | 2029-05 | 4.93 | 1.08 | 3.85 | 296.96 |
| 53 | 2029-06 | 4.93 | 1.06 | 3.86 | 293.10 |
| 54 | 2029-07 | 4.93 | 1.05 | 3.88 | 289.22 |
| 55 | 2029-08 | 4.93 | 1.04 | 3.89 | 285.33 |
| 56 | 2029-09 | 4.93 | 1.02 | 3.91 | 281.42 |
| 57 | 2029-10 | 4.93 | 1.01 | 3.92 | 277.50 |
| 58 | 2029-11 | 4.93 | 0.99 | 3.93 | 273.57 |
| 59 | 2029-12 | 4.93 | 0.98 | 3.95 | 269.62 |
| 60 | 2030-01 | 4.93 | 0.97 | 3.96 | 265.66 |
| 61 | 2030-02 | 4.93 | 0.95 | 3.98 | 261.68 |
| 62 | 2030-03 | 4.93 | 0.94 | 3.99 | 257.69 |
| 63 | 2030-04 | 4.93 | 0.92 | 4.01 | 253.68 |
| 64 | 2030-05 | 4.93 | 0.91 | 4.02 | 249.66 |
| 65 | 2030-06 | 4.93 | 0.89 | 4.03 | 245.63 |
| 66 | 2030-07 | 4.93 | 0.88 | 4.05 | 241.58 |
| 67 | 2030-08 | 4.93 | 0.87 | 4.06 | 237.52 |
| 68 | 2030-09 | 4.93 | 0.85 | 4.08 | 233.44 |
| 69 | 2030-10 | 4.93 | 0.84 | 4.09 | 229.35 |
| 70 | 2030-11 | 4.93 | 0.82 | 4.11 | 225.24 |
| 71 | 2030-12 | 4.93 | 0.81 | 4.12 | 221.12 |
| 72 | 2031-01 | 4.93 | 0.79 | 4.14 | 216.98 |
| 73 | 2031-02 | 4.93 | 0.78 | 4.15 | 212.83 |
| 74 | 2031-03 | 4.93 | 0.76 | 4.17 | 208.67 |
| 75 | 2031-04 | 4.93 | 0.75 | 4.18 | 204.49 |
| 76 | 2031-05 | 4.93 | 0.73 | 4.20 | 200.29 |
| 77 | 2031-06 | 4.93 | 0.72 | 4.21 | 196.08 |
| 78 | 2031-07 | 4.93 | 0.70 | 4.23 | 191.85 |
| 79 | 2031-08 | 4.93 | 0.69 | 4.24 | 187.61 |
| 80 | 2031-09 | 4.93 | 0.67 | 4.26 | 183.36 |
| 81 | 2031-10 | 4.93 | 0.66 | 4.27 | 179.09 |
| 82 | 2031-11 | 4.93 | 0.64 | 4.29 | 174.80 |
| 83 | 2031-12 | 4.93 | 0.63 | 4.30 | 170.50 |
| 84 | 2032-01 | 4.93 | 0.61 | 4.32 | 166.18 |
| 85 | 2032-02 | 4.93 | 0.60 | 4.33 | 161.85 |
| 86 | 2032-03 | 4.93 | 0.58 | 4.35 | 157.50 |
| 87 | 2032-04 | 4.93 | 0.56 | 4.36 | 153.13 |
| 88 | 2032-05 | 4.93 | 0.55 | 4.38 | 148.75 |
| 89 | 2032-06 | 4.93 | 0.53 | 4.40 | 144.36 |
| 90 | 2032-07 | 4.93 | 0.52 | 4.41 | 139.95 |
| 91 | 2032-08 | 4.93 | 0.50 | 4.43 | 135.52 |
| 92 | 2032-09 | 4.93 | 0.49 | 4.44 | 131.08 |
| 93 | 2032-10 | 4.93 | 0.47 | 4.46 | 126.62 |
| 94 | 2032-11 | 4.93 | 0.45 | 4.47 | 122.14 |
| 95 | 2032-12 | 4.93 | 0.44 | 4.49 | 117.65 |
| 96 | 2033-01 | 4.93 | 0.42 | 4.51 | 113.15 |
| 97 | 2033-02 | 4.93 | 0.41 | 4.52 | 108.62 |
| 98 | 2033-03 | 4.93 | 0.39 | 4.54 | 104.08 |
| 99 | 2033-04 | 4.93 | 0.37 | 4.56 | 99.53 |
| 100 | 2033-05 | 4.93 | 0.36 | 4.57 | 94.96 |
| 101 | 2033-06 | 4.93 | 0.34 | 4.59 | 90.37 |
| 102 | 2033-07 | 4.93 | 0.32 | 4.60 | 85.76 |
| 103 | 2033-08 | 4.93 | 0.31 | 4.62 | 81.14 |
| 104 | 2033-09 | 4.93 | 0.29 | 4.64 | 76.50 |
| 105 | 2033-10 | 4.93 | 0.27 | 4.65 | 71.85 |
| 106 | 2033-11 | 4.93 | 0.26 | 4.67 | 67.18 |
| 107 | 2033-12 | 4.93 | 0.24 | 4.69 | 62.49 |
| 108 | 2034-01 | 4.93 | 0.22 | 4.70 | 57.79 |
| 109 | 2034-02 | 4.93 | 0.21 | 4.72 | 53.07 |
| 110 | 2034-03 | 4.93 | 0.19 | 4.74 | 48.33 |
| 111 | 2034-04 | 4.93 | 0.17 | 4.76 | 43.57 |
| 112 | 2034-05 | 4.93 | 0.16 | 4.77 | 38.80 |
| 113 | 2034-06 | 4.93 | 0.14 | 4.79 | 34.01 |
| 114 | 2034-07 | 4.93 | 0.12 | 4.81 | 29.20 |
| 115 | 2034-08 | 4.93 | 0.10 | 4.82 | 24.38 |
| 116 | 2034-09 | 4.93 | 0.09 | 4.84 | 19.54 |
| 117 | 2034-10 | 4.93 | 0.07 | 4.86 | 14.68 |
| 118 | 2034-11 | 4.93 | 0.05 | 4.88 | 9.80 |
| 119 | 2034-12 | 4.93 | 0.04 | 4.89 | 4.91 |
| 120 | 2035-01 | 4.93 | 0.02 | 4.91 | 0.00 |
等额本金还款方式：
贷款总额：480元
还款月数：10年
首月还款：5.72元
每月递减：0.01元
利息总额：104.06元
本息合计：584.06元
节省利息：7.36元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 5.72 | 1.72 | 4.00 | 476.00 |
| 2 | 2025-03 | 5.71 | 1.71 | 4.00 | 472.00 |
| 3 | 2025-04 | 5.69 | 1.69 | 4.00 | 468.00 |
| 4 | 2025-05 | 5.68 | 1.68 | 4.00 | 464.00 |
| 5 | 2025-06 | 5.66 | 1.66 | 4.00 | 460.00 |
| 6 | 2025-07 | 5.65 | 1.65 | 4.00 | 456.00 |
| 7 | 2025-08 | 5.63 | 1.63 | 4.00 | 452.00 |
| 8 | 2025-09 | 5.62 | 1.62 | 4.00 | 448.00 |
| 9 | 2025-10 | 5.61 | 1.61 | 4.00 | 444.00 |
| 10 | 2025-11 | 5.59 | 1.59 | 4.00 | 440.00 |
| 11 | 2025-12 | 5.58 | 1.58 | 4.00 | 436.00 |
| 12 | 2026-01 | 5.56 | 1.56 | 4.00 | 432.00 |
| 13 | 2026-02 | 5.55 | 1.55 | 4.00 | 428.00 |
| 14 | 2026-03 | 5.53 | 1.53 | 4.00 | 424.00 |
| 15 | 2026-04 | 5.52 | 1.52 | 4.00 | 420.00 |
| 16 | 2026-05 | 5.50 | 1.50 | 4.00 | 416.00 |
| 17 | 2026-06 | 5.49 | 1.49 | 4.00 | 412.00 |
| 18 | 2026-07 | 5.48 | 1.48 | 4.00 | 408.00 |
| 19 | 2026-08 | 5.46 | 1.46 | 4.00 | 404.00 |
| 20 | 2026-09 | 5.45 | 1.45 | 4.00 | 400.00 |
| 21 | 2026-10 | 5.43 | 1.43 | 4.00 | 396.00 |
| 22 | 2026-11 | 5.42 | 1.42 | 4.00 | 392.00 |
| 23 | 2026-12 | 5.40 | 1.40 | 4.00 | 388.00 |
| 24 | 2027-01 | 5.39 | 1.39 | 4.00 | 384.00 |
| 25 | 2027-02 | 5.38 | 1.38 | 4.00 | 380.00 |
| 26 | 2027-03 | 5.36 | 1.36 | 4.00 | 376.00 |
| 27 | 2027-04 | 5.35 | 1.35 | 4.00 | 372.00 |
| 28 | 2027-05 | 5.33 | 1.33 | 4.00 | 368.00 |
| 29 | 2027-06 | 5.32 | 1.32 | 4.00 | 364.00 |
| 30 | 2027-07 | 5.30 | 1.30 | 4.00 | 360.00 |
| 31 | 2027-08 | 5.29 | 1.29 | 4.00 | 356.00 |
| 32 | 2027-09 | 5.28 | 1.28 | 4.00 | 352.00 |
| 33 | 2027-10 | 5.26 | 1.26 | 4.00 | 348.00 |
| 34 | 2027-11 | 5.25 | 1.25 | 4.00 | 344.00 |
| 35 | 2027-12 | 5.23 | 1.23 | 4.00 | 340.00 |
| 36 | 2028-01 | 5.22 | 1.22 | 4.00 | 336.00 |
| 37 | 2028-02 | 5.20 | 1.20 | 4.00 | 332.00 |
| 38 | 2028-03 | 5.19 | 1.19 | 4.00 | 328.00 |
| 39 | 2028-04 | 5.18 | 1.18 | 4.00 | 324.00 |
| 40 | 2028-05 | 5.16 | 1.16 | 4.00 | 320.00 |
| 41 | 2028-06 | 5.15 | 1.15 | 4.00 | 316.00 |
| 42 | 2028-07 | 5.13 | 1.13 | 4.00 | 312.00 |
| 43 | 2028-08 | 5.12 | 1.12 | 4.00 | 308.00 |
| 44 | 2028-09 | 5.10 | 1.10 | 4.00 | 304.00 |
| 45 | 2028-10 | 5.09 | 1.09 | 4.00 | 300.00 |
| 46 | 2028-11 | 5.08 | 1.07 | 4.00 | 296.00 |
| 47 | 2028-12 | 5.06 | 1.06 | 4.00 | 292.00 |
| 48 | 2029-01 | 5.05 | 1.05 | 4.00 | 288.00 |
| 49 | 2029-02 | 5.03 | 1.03 | 4.00 | 284.00 |
| 50 | 2029-03 | 5.02 | 1.02 | 4.00 | 280.00 |
| 51 | 2029-04 | 5.00 | 1.00 | 4.00 | 276.00 |
| 52 | 2029-05 | 4.99 | 0.99 | 4.00 | 272.00 |
| 53 | 2029-06 | 4.97 | 0.97 | 4.00 | 268.00 |
| 54 | 2029-07 | 4.96 | 0.96 | 4.00 | 264.00 |
| 55 | 2029-08 | 4.95 | 0.95 | 4.00 | 260.00 |
| 56 | 2029-09 | 4.93 | 0.93 | 4.00 | 256.00 |
| 57 | 2029-10 | 4.92 | 0.92 | 4.00 | 252.00 |
| 58 | 2029-11 | 4.90 | 0.90 | 4.00 | 248.00 |
| 59 | 2029-12 | 4.89 | 0.89 | 4.00 | 244.00 |
| 60 | 2030-01 | 4.87 | 0.87 | 4.00 | 240.00 |
| 61 | 2030-02 | 4.86 | 0.86 | 4.00 | 236.00 |
| 62 | 2030-03 | 4.85 | 0.85 | 4.00 | 232.00 |
| 63 | 2030-04 | 4.83 | 0.83 | 4.00 | 228.00 |
| 64 | 2030-05 | 4.82 | 0.82 | 4.00 | 224.00 |
| 65 | 2030-06 | 4.80 | 0.80 | 4.00 | 220.00 |
| 66 | 2030-07 | 4.79 | 0.79 | 4.00 | 216.00 |
| 67 | 2030-08 | 4.77 | 0.77 | 4.00 | 212.00 |
| 68 | 2030-09 | 4.76 | 0.76 | 4.00 | 208.00 |
| 69 | 2030-10 | 4.75 | 0.75 | 4.00 | 204.00 |
| 70 | 2030-11 | 4.73 | 0.73 | 4.00 | 200.00 |
| 71 | 2030-12 | 4.72 | 0.72 | 4.00 | 196.00 |
| 72 | 2031-01 | 4.70 | 0.70 | 4.00 | 192.00 |
| 73 | 2031-02 | 4.69 | 0.69 | 4.00 | 188.00 |
| 74 | 2031-03 | 4.67 | 0.67 | 4.00 | 184.00 |
| 75 | 2031-04 | 4.66 | 0.66 | 4.00 | 180.00 |
| 76 | 2031-05 | 4.64 | 0.64 | 4.00 | 176.00 |
| 77 | 2031-06 | 4.63 | 0.63 | 4.00 | 172.00 |
| 78 | 2031-07 | 4.62 | 0.62 | 4.00 | 168.00 |
| 79 | 2031-08 | 4.60 | 0.60 | 4.00 | 164.00 |
| 80 | 2031-09 | 4.59 | 0.59 | 4.00 | 160.00 |
| 81 | 2031-10 | 4.57 | 0.57 | 4.00 | 156.00 |
| 82 | 2031-11 | 4.56 | 0.56 | 4.00 | 152.00 |
| 83 | 2031-12 | 4.54 | 0.54 | 4.00 | 148.00 |
| 84 | 2032-01 | 4.53 | 0.53 | 4.00 | 144.00 |
| 85 | 2032-02 | 4.52 | 0.52 | 4.00 | 140.00 |
| 86 | 2032-03 | 4.50 | 0.50 | 4.00 | 136.00 |
| 87 | 2032-04 | 4.49 | 0.49 | 4.00 | 132.00 |
| 88 | 2032-05 | 4.47 | 0.47 | 4.00 | 128.00 |
| 89 | 2032-06 | 4.46 | 0.46 | 4.00 | 124.00 |
| 90 | 2032-07 | 4.44 | 0.44 | 4.00 | 120.00 |
| 91 | 2032-08 | 4.43 | 0.43 | 4.00 | 116.00 |
| 92 | 2032-09 | 4.42 | 0.42 | 4.00 | 112.00 |
| 93 | 2032-10 | 4.40 | 0.40 | 4.00 | 108.00 |
| 94 | 2032-11 | 4.39 | 0.39 | 4.00 | 104.00 |
| 95 | 2032-12 | 4.37 | 0.37 | 4.00 | 100.00 |
| 96 | 2033-01 | 4.36 | 0.36 | 4.00 | 96.00 |
| 97 | 2033-02 | 4.34 | 0.34 | 4.00 | 92.00 |
| 98 | 2033-03 | 4.33 | 0.33 | 4.00 | 88.00 |
| 99 | 2033-04 | 4.32 | 0.32 | 4.00 | 84.00 |
| 100 | 2033-05 | 4.30 | 0.30 | 4.00 | 80.00 |
| 101 | 2033-06 | 4.29 | 0.29 | 4.00 | 76.00 |
| 102 | 2033-07 | 4.27 | 0.27 | 4.00 | 72.00 |
| 103 | 2033-08 | 4.26 | 0.26 | 4.00 | 68.00 |
| 104 | 2033-09 | 4.24 | 0.24 | 4.00 | 64.00 |
| 105 | 2033-10 | 4.23 | 0.23 | 4.00 | 60.00 |
| 106 | 2033-11 | 4.21 | 0.21 | 4.00 | 56.00 |
| 107 | 2033-12 | 4.20 | 0.20 | 4.00 | 52.00 |
| 108 | 2034-01 | 4.19 | 0.19 | 4.00 | 48.00 |
| 109 | 2034-02 | 4.17 | 0.17 | 4.00 | 44.00 |
| 110 | 2034-03 | 4.16 | 0.16 | 4.00 | 40.00 |
| 111 | 2034-04 | 4.14 | 0.14 | 4.00 | 36.00 |
| 112 | 2034-05 | 4.13 | 0.13 | 4.00 | 32.00 |
| 113 | 2034-06 | 4.11 | 0.11 | 4.00 | 28.00 |
| 114 | 2034-07 | 4.10 | 0.10 | 4.00 | 24.00 |
| 115 | 2034-08 | 4.09 | 0.09 | 4.00 | 20.00 |
| 116 | 2034-09 | 4.07 | 0.07 | 4.00 | 16.00 |
| 117 | 2034-10 | 4.06 | 0.06 | 4.00 | 12.00 |
| 118 | 2034-11 | 4.04 | 0.04 | 4.00 | 8.00 |
| 119 | 2034-12 | 4.03 | 0.03 | 4.00 | 4.00 |
| 120 | 2035-01 | 4.01 | 0.01 | 4.00 | 0.00 |