贷款5.25万（商业贷款）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：5.25万
还款月数：5年
每月还款：956.24元
利息总额：4874.56元
本息合计：5.74万
| 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 | 956.24 | 155.31 | 800.93 | 51699.07 |
| 2 | 2025-03 | 956.24 | 152.94 | 803.30 | 50895.77 |
| 3 | 2025-04 | 956.24 | 150.57 | 805.68 | 50090.09 |
| 4 | 2025-05 | 956.24 | 148.18 | 808.06 | 49282.03 |
| 5 | 2025-06 | 956.24 | 145.79 | 810.45 | 48471.59 |
| 6 | 2025-07 | 956.24 | 143.40 | 812.85 | 47658.74 |
| 7 | 2025-08 | 956.24 | 140.99 | 815.25 | 46843.49 |
| 8 | 2025-09 | 956.24 | 138.58 | 817.66 | 46025.82 |
| 9 | 2025-10 | 956.24 | 136.16 | 820.08 | 45205.74 |
| 10 | 2025-11 | 956.24 | 133.73 | 822.51 | 44383.23 |
| 11 | 2025-12 | 956.24 | 131.30 | 824.94 | 43558.29 |
| 12 | 2026-01 | 956.24 | 128.86 | 827.38 | 42730.90 |
| 13 | 2026-02 | 956.24 | 126.41 | 829.83 | 41901.07 |
| 14 | 2026-03 | 956.24 | 123.96 | 832.29 | 41068.79 |
| 15 | 2026-04 | 956.24 | 121.50 | 834.75 | 40234.04 |
| 16 | 2026-05 | 956.24 | 119.03 | 837.22 | 39396.82 |
| 17 | 2026-06 | 956.24 | 116.55 | 839.69 | 38557.13 |
| 18 | 2026-07 | 956.24 | 114.06 | 842.18 | 37714.95 |
| 19 | 2026-08 | 956.24 | 111.57 | 844.67 | 36870.28 |
| 20 | 2026-09 | 956.24 | 109.07 | 847.17 | 36023.12 |
| 21 | 2026-10 | 956.24 | 106.57 | 849.67 | 35173.44 |
| 22 | 2026-11 | 956.24 | 104.05 | 852.19 | 34321.25 |
| 23 | 2026-12 | 956.24 | 101.53 | 854.71 | 33466.54 |
| 24 | 2027-01 | 956.24 | 99.01 | 857.24 | 32609.31 |
| 25 | 2027-02 | 956.24 | 96.47 | 859.77 | 31749.53 |
| 26 | 2027-03 | 956.24 | 93.93 | 862.32 | 30887.22 |
| 27 | 2027-04 | 956.24 | 91.37 | 864.87 | 30022.35 |
| 28 | 2027-05 | 956.24 | 88.82 | 867.43 | 29154.92 |
| 29 | 2027-06 | 956.24 | 86.25 | 869.99 | 28284.93 |
| 30 | 2027-07 | 956.24 | 83.68 | 872.57 | 27412.36 |
| 31 | 2027-08 | 956.24 | 81.09 | 875.15 | 26537.22 |
| 32 | 2027-09 | 956.24 | 78.51 | 877.74 | 25659.48 |
| 33 | 2027-10 | 956.24 | 75.91 | 880.33 | 24779.15 |
| 34 | 2027-11 | 956.24 | 73.30 | 882.94 | 23896.21 |
| 35 | 2027-12 | 956.24 | 70.69 | 885.55 | 23010.66 |
| 36 | 2028-01 | 956.24 | 68.07 | 888.17 | 22122.49 |
| 37 | 2028-02 | 956.24 | 65.45 | 890.80 | 21231.69 |
| 38 | 2028-03 | 956.24 | 62.81 | 893.43 | 20338.26 |
| 39 | 2028-04 | 956.24 | 60.17 | 896.08 | 19442.18 |
| 40 | 2028-05 | 956.24 | 57.52 | 898.73 | 18543.46 |
| 41 | 2028-06 | 956.24 | 54.86 | 901.38 | 17642.07 |
| 42 | 2028-07 | 956.24 | 52.19 | 904.05 | 16738.02 |
| 43 | 2028-08 | 956.24 | 49.52 | 906.73 | 15831.30 |
| 44 | 2028-09 | 956.24 | 46.83 | 909.41 | 14921.89 |
| 45 | 2028-10 | 956.24 | 44.14 | 912.10 | 14009.79 |
| 46 | 2028-11 | 956.24 | 41.45 | 914.80 | 13094.99 |
| 47 | 2028-12 | 956.24 | 38.74 | 917.50 | 12177.49 |
| 48 | 2029-01 | 956.24 | 36.03 | 920.22 | 11257.27 |
| 49 | 2029-02 | 956.24 | 33.30 | 922.94 | 10334.33 |
| 50 | 2029-03 | 956.24 | 30.57 | 925.67 | 9408.66 |
| 51 | 2029-04 | 956.24 | 27.83 | 928.41 | 8480.25 |
| 52 | 2029-05 | 956.24 | 25.09 | 931.16 | 7549.10 |
| 53 | 2029-06 | 956.24 | 22.33 | 933.91 | 6615.19 |
| 54 | 2029-07 | 956.24 | 19.57 | 936.67 | 5678.51 |
| 55 | 2029-08 | 956.24 | 16.80 | 939.44 | 4739.07 |
| 56 | 2029-09 | 956.24 | 14.02 | 942.22 | 3796.85 |
| 57 | 2029-10 | 956.24 | 11.23 | 945.01 | 2851.84 |
| 58 | 2029-11 | 956.24 | 8.44 | 947.81 | 1904.03 |
| 59 | 2029-12 | 956.24 | 5.63 | 950.61 | 953.42 |
| 60 | 2030-01 | 956.24 | 2.82 | 953.42 | 0.00 |
等额本金还款方式：
贷款总额：5.25万
还款月数：5年
首月还款：1030.31元
每月递减：2.59元
利息总额：4737.03元
本息合计：5.72万
节省利息：137.53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 | 1030.31 | 155.31 | 875.00 | 51625.00 |
| 2 | 2025-03 | 1027.72 | 152.72 | 875.00 | 50750.00 |
| 3 | 2025-04 | 1025.14 | 150.14 | 875.00 | 49875.00 |
| 4 | 2025-05 | 1022.55 | 147.55 | 875.00 | 49000.00 |
| 5 | 2025-06 | 1019.96 | 144.96 | 875.00 | 48125.00 |
| 6 | 2025-07 | 1017.37 | 142.37 | 875.00 | 47250.00 |
| 7 | 2025-08 | 1014.78 | 139.78 | 875.00 | 46375.00 |
| 8 | 2025-09 | 1012.19 | 137.19 | 875.00 | 45500.00 |
| 9 | 2025-10 | 1009.60 | 134.60 | 875.00 | 44625.00 |
| 10 | 2025-11 | 1007.02 | 132.02 | 875.00 | 43750.00 |
| 11 | 2025-12 | 1004.43 | 129.43 | 875.00 | 42875.00 |
| 12 | 2026-01 | 1001.84 | 126.84 | 875.00 | 42000.00 |
| 13 | 2026-02 | 999.25 | 124.25 | 875.00 | 41125.00 |
| 14 | 2026-03 | 996.66 | 121.66 | 875.00 | 40250.00 |
| 15 | 2026-04 | 994.07 | 119.07 | 875.00 | 39375.00 |
| 16 | 2026-05 | 991.48 | 116.48 | 875.00 | 38500.00 |
| 17 | 2026-06 | 988.90 | 113.90 | 875.00 | 37625.00 |
| 18 | 2026-07 | 986.31 | 111.31 | 875.00 | 36750.00 |
| 19 | 2026-08 | 983.72 | 108.72 | 875.00 | 35875.00 |
| 20 | 2026-09 | 981.13 | 106.13 | 875.00 | 35000.00 |
| 21 | 2026-10 | 978.54 | 103.54 | 875.00 | 34125.00 |
| 22 | 2026-11 | 975.95 | 100.95 | 875.00 | 33250.00 |
| 23 | 2026-12 | 973.36 | 98.36 | 875.00 | 32375.00 |
| 24 | 2027-01 | 970.78 | 95.78 | 875.00 | 31500.00 |
| 25 | 2027-02 | 968.19 | 93.19 | 875.00 | 30625.00 |
| 26 | 2027-03 | 965.60 | 90.60 | 875.00 | 29750.00 |
| 27 | 2027-04 | 963.01 | 88.01 | 875.00 | 28875.00 |
| 28 | 2027-05 | 960.42 | 85.42 | 875.00 | 28000.00 |
| 29 | 2027-06 | 957.83 | 82.83 | 875.00 | 27125.00 |
| 30 | 2027-07 | 955.24 | 80.24 | 875.00 | 26250.00 |
| 31 | 2027-08 | 952.66 | 77.66 | 875.00 | 25375.00 |
| 32 | 2027-09 | 950.07 | 75.07 | 875.00 | 24500.00 |
| 33 | 2027-10 | 947.48 | 72.48 | 875.00 | 23625.00 |
| 34 | 2027-11 | 944.89 | 69.89 | 875.00 | 22750.00 |
| 35 | 2027-12 | 942.30 | 67.30 | 875.00 | 21875.00 |
| 36 | 2028-01 | 939.71 | 64.71 | 875.00 | 21000.00 |
| 37 | 2028-02 | 937.13 | 62.13 | 875.00 | 20125.00 |
| 38 | 2028-03 | 934.54 | 59.54 | 875.00 | 19250.00 |
| 39 | 2028-04 | 931.95 | 56.95 | 875.00 | 18375.00 |
| 40 | 2028-05 | 929.36 | 54.36 | 875.00 | 17500.00 |
| 41 | 2028-06 | 926.77 | 51.77 | 875.00 | 16625.00 |
| 42 | 2028-07 | 924.18 | 49.18 | 875.00 | 15750.00 |
| 43 | 2028-08 | 921.59 | 46.59 | 875.00 | 14875.00 |
| 44 | 2028-09 | 919.01 | 44.01 | 875.00 | 14000.00 |
| 45 | 2028-10 | 916.42 | 41.42 | 875.00 | 13125.00 |
| 46 | 2028-11 | 913.83 | 38.83 | 875.00 | 12250.00 |
| 47 | 2028-12 | 911.24 | 36.24 | 875.00 | 11375.00 |
| 48 | 2029-01 | 908.65 | 33.65 | 875.00 | 10500.00 |
| 49 | 2029-02 | 906.06 | 31.06 | 875.00 | 9625.00 |
| 50 | 2029-03 | 903.47 | 28.47 | 875.00 | 8750.00 |
| 51 | 2029-04 | 900.89 | 25.89 | 875.00 | 7875.00 |
| 52 | 2029-05 | 898.30 | 23.30 | 875.00 | 7000.00 |
| 53 | 2029-06 | 895.71 | 20.71 | 875.00 | 6125.00 |
| 54 | 2029-07 | 893.12 | 18.12 | 875.00 | 5250.00 |
| 55 | 2029-08 | 890.53 | 15.53 | 875.00 | 4375.00 |
| 56 | 2029-09 | 887.94 | 12.94 | 875.00 | 3500.00 |
| 57 | 2029-10 | 885.35 | 10.35 | 875.00 | 2625.00 |
| 58 | 2029-11 | 882.77 | 7.77 | 875.00 | 1750.00 |
| 59 | 2029-12 | 880.18 | 5.18 | 875.00 | 875.00 |
| 60 | 2030-01 | 877.59 | 2.59 | 875.00 | 0.00 |