贷款4.2万（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：4.2万
还款月数：5年
每月还款：779.19元
利息总额：4751.58元
本息合计：4.68万
| 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 | 779.19 | 150.50 | 628.69 | 41371.31 |
| 2 | 2025-03 | 779.19 | 148.25 | 630.95 | 40740.36 |
| 3 | 2025-04 | 779.19 | 145.99 | 633.21 | 40107.15 |
| 4 | 2025-05 | 779.19 | 143.72 | 635.48 | 39471.68 |
| 5 | 2025-06 | 779.19 | 141.44 | 637.75 | 38833.93 |
| 6 | 2025-07 | 779.19 | 139.15 | 640.04 | 38193.89 |
| 7 | 2025-08 | 779.19 | 136.86 | 642.33 | 37551.56 |
| 8 | 2025-09 | 779.19 | 134.56 | 644.63 | 36906.92 |
| 9 | 2025-10 | 779.19 | 132.25 | 646.94 | 36259.98 |
| 10 | 2025-11 | 779.19 | 129.93 | 649.26 | 35610.72 |
| 11 | 2025-12 | 779.19 | 127.61 | 651.59 | 34959.13 |
| 12 | 2026-01 | 779.19 | 125.27 | 653.92 | 34305.21 |
| 13 | 2026-02 | 779.19 | 122.93 | 656.27 | 33648.94 |
| 14 | 2026-03 | 779.19 | 120.58 | 658.62 | 32990.32 |
| 15 | 2026-04 | 779.19 | 118.22 | 660.98 | 32329.35 |
| 16 | 2026-05 | 779.19 | 115.85 | 663.35 | 31666.00 |
| 17 | 2026-06 | 779.19 | 113.47 | 665.72 | 31000.28 |
| 18 | 2026-07 | 779.19 | 111.08 | 668.11 | 30332.17 |
| 19 | 2026-08 | 779.19 | 108.69 | 670.50 | 29661.67 |
| 20 | 2026-09 | 779.19 | 106.29 | 672.91 | 28988.76 |
| 21 | 2026-10 | 779.19 | 103.88 | 675.32 | 28313.44 |
| 22 | 2026-11 | 779.19 | 101.46 | 677.74 | 27635.71 |
| 23 | 2026-12 | 779.19 | 99.03 | 680.17 | 26955.54 |
| 24 | 2027-01 | 779.19 | 96.59 | 682.60 | 26272.94 |
| 25 | 2027-02 | 779.19 | 94.14 | 685.05 | 25587.89 |
| 26 | 2027-03 | 779.19 | 91.69 | 687.50 | 24900.39 |
| 27 | 2027-04 | 779.19 | 89.23 | 689.97 | 24210.42 |
| 28 | 2027-05 | 779.19 | 86.75 | 692.44 | 23517.98 |
| 29 | 2027-06 | 779.19 | 84.27 | 694.92 | 22823.06 |
| 30 | 2027-07 | 779.19 | 81.78 | 697.41 | 22125.65 |
| 31 | 2027-08 | 779.19 | 79.28 | 699.91 | 21425.74 |
| 32 | 2027-09 | 779.19 | 76.78 | 702.42 | 20723.33 |
| 33 | 2027-10 | 779.19 | 74.26 | 704.93 | 20018.39 |
| 34 | 2027-11 | 779.19 | 71.73 | 707.46 | 19310.93 |
| 35 | 2027-12 | 779.19 | 69.20 | 710.00 | 18600.94 |
| 36 | 2028-01 | 779.19 | 66.65 | 712.54 | 17888.40 |
| 37 | 2028-02 | 779.19 | 64.10 | 715.09 | 17173.30 |
| 38 | 2028-03 | 779.19 | 61.54 | 717.66 | 16455.65 |
| 39 | 2028-04 | 779.19 | 58.97 | 720.23 | 15735.42 |
| 40 | 2028-05 | 779.19 | 56.39 | 722.81 | 15012.61 |
| 41 | 2028-06 | 779.19 | 53.80 | 725.40 | 14287.22 |
| 42 | 2028-07 | 779.19 | 51.20 | 728.00 | 13559.22 |
| 43 | 2028-08 | 779.19 | 48.59 | 730.61 | 12828.61 |
| 44 | 2028-09 | 779.19 | 45.97 | 733.22 | 12095.39 |
| 45 | 2028-10 | 779.19 | 43.34 | 735.85 | 11359.54 |
| 46 | 2028-11 | 779.19 | 40.71 | 738.49 | 10621.05 |
| 47 | 2028-12 | 779.19 | 38.06 | 741.13 | 9879.91 |
| 48 | 2029-01 | 779.19 | 35.40 | 743.79 | 9136.12 |
| 49 | 2029-02 | 779.19 | 32.74 | 746.46 | 8389.67 |
| 50 | 2029-03 | 779.19 | 30.06 | 749.13 | 7640.54 |
| 51 | 2029-04 | 779.19 | 27.38 | 751.81 | 6888.73 |
| 52 | 2029-05 | 779.19 | 24.68 | 754.51 | 6134.22 |
| 53 | 2029-06 | 779.19 | 21.98 | 757.21 | 5377.00 |
| 54 | 2029-07 | 779.19 | 19.27 | 759.93 | 4617.08 |
| 55 | 2029-08 | 779.19 | 16.54 | 762.65 | 3854.43 |
| 56 | 2029-09 | 779.19 | 13.81 | 765.38 | 3089.05 |
| 57 | 2029-10 | 779.19 | 11.07 | 768.12 | 2320.93 |
| 58 | 2029-11 | 779.19 | 8.32 | 770.88 | 1550.05 |
| 59 | 2029-12 | 779.19 | 5.55 | 773.64 | 776.41 |
| 60 | 2030-01 | 779.19 | 2.78 | 776.41 | 0.00 |
等额本金还款方式：
贷款总额：4.2万
还款月数：5年
首月还款：850.5元
每月递减：2.51元
利息总额：4590.25元
本息合计：4.66万
节省利息：161.33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 | 850.50 | 150.50 | 700.00 | 41300.00 |
| 2 | 2025-03 | 847.99 | 147.99 | 700.00 | 40600.00 |
| 3 | 2025-04 | 845.48 | 145.48 | 700.00 | 39900.00 |
| 4 | 2025-05 | 842.98 | 142.97 | 700.00 | 39200.00 |
| 5 | 2025-06 | 840.47 | 140.47 | 700.00 | 38500.00 |
| 6 | 2025-07 | 837.96 | 137.96 | 700.00 | 37800.00 |
| 7 | 2025-08 | 835.45 | 135.45 | 700.00 | 37100.00 |
| 8 | 2025-09 | 832.94 | 132.94 | 700.00 | 36400.00 |
| 9 | 2025-10 | 830.43 | 130.43 | 700.00 | 35700.00 |
| 10 | 2025-11 | 827.92 | 127.92 | 700.00 | 35000.00 |
| 11 | 2025-12 | 825.42 | 125.42 | 700.00 | 34300.00 |
| 12 | 2026-01 | 822.91 | 122.91 | 700.00 | 33600.00 |
| 13 | 2026-02 | 820.40 | 120.40 | 700.00 | 32900.00 |
| 14 | 2026-03 | 817.89 | 117.89 | 700.00 | 32200.00 |
| 15 | 2026-04 | 815.38 | 115.38 | 700.00 | 31500.00 |
| 16 | 2026-05 | 812.88 | 112.87 | 700.00 | 30800.00 |
| 17 | 2026-06 | 810.37 | 110.37 | 700.00 | 30100.00 |
| 18 | 2026-07 | 807.86 | 107.86 | 700.00 | 29400.00 |
| 19 | 2026-08 | 805.35 | 105.35 | 700.00 | 28700.00 |
| 20 | 2026-09 | 802.84 | 102.84 | 700.00 | 28000.00 |
| 21 | 2026-10 | 800.33 | 100.33 | 700.00 | 27300.00 |
| 22 | 2026-11 | 797.83 | 97.82 | 700.00 | 26600.00 |
| 23 | 2026-12 | 795.32 | 95.32 | 700.00 | 25900.00 |
| 24 | 2027-01 | 792.81 | 92.81 | 700.00 | 25200.00 |
| 25 | 2027-02 | 790.30 | 90.30 | 700.00 | 24500.00 |
| 26 | 2027-03 | 787.79 | 87.79 | 700.00 | 23800.00 |
| 27 | 2027-04 | 785.28 | 85.28 | 700.00 | 23100.00 |
| 28 | 2027-05 | 782.77 | 82.77 | 700.00 | 22400.00 |
| 29 | 2027-06 | 780.27 | 80.27 | 700.00 | 21700.00 |
| 30 | 2027-07 | 777.76 | 77.76 | 700.00 | 21000.00 |
| 31 | 2027-08 | 775.25 | 75.25 | 700.00 | 20300.00 |
| 32 | 2027-09 | 772.74 | 72.74 | 700.00 | 19600.00 |
| 33 | 2027-10 | 770.23 | 70.23 | 700.00 | 18900.00 |
| 34 | 2027-11 | 767.73 | 67.72 | 700.00 | 18200.00 |
| 35 | 2027-12 | 765.22 | 65.22 | 700.00 | 17500.00 |
| 36 | 2028-01 | 762.71 | 62.71 | 700.00 | 16800.00 |
| 37 | 2028-02 | 760.20 | 60.20 | 700.00 | 16100.00 |
| 38 | 2028-03 | 757.69 | 57.69 | 700.00 | 15400.00 |
| 39 | 2028-04 | 755.18 | 55.18 | 700.00 | 14700.00 |
| 40 | 2028-05 | 752.67 | 52.67 | 700.00 | 14000.00 |
| 41 | 2028-06 | 750.17 | 50.17 | 700.00 | 13300.00 |
| 42 | 2028-07 | 747.66 | 47.66 | 700.00 | 12600.00 |
| 43 | 2028-08 | 745.15 | 45.15 | 700.00 | 11900.00 |
| 44 | 2028-09 | 742.64 | 42.64 | 700.00 | 11200.00 |
| 45 | 2028-10 | 740.13 | 40.13 | 700.00 | 10500.00 |
| 46 | 2028-11 | 737.63 | 37.62 | 700.00 | 9800.00 |
| 47 | 2028-12 | 735.12 | 35.12 | 700.00 | 9100.00 |
| 48 | 2029-01 | 732.61 | 32.61 | 700.00 | 8400.00 |
| 49 | 2029-02 | 730.10 | 30.10 | 700.00 | 7700.00 |
| 50 | 2029-03 | 727.59 | 27.59 | 700.00 | 7000.00 |
| 51 | 2029-04 | 725.08 | 25.08 | 700.00 | 6300.00 |
| 52 | 2029-05 | 722.58 | 22.57 | 700.00 | 5600.00 |
| 53 | 2029-06 | 720.07 | 20.07 | 700.00 | 4900.00 |
| 54 | 2029-07 | 717.56 | 17.56 | 700.00 | 4200.00 |
| 55 | 2029-08 | 715.05 | 15.05 | 700.00 | 3500.00 |
| 56 | 2029-09 | 712.54 | 12.54 | 700.00 | 2800.00 |
| 57 | 2029-10 | 710.03 | 10.03 | 700.00 | 2100.00 |
| 58 | 2029-11 | 707.52 | 7.52 | 700.00 | 1400.00 |
| 59 | 2029-12 | 705.02 | 5.02 | 700.00 | 700.00 |
| 60 | 2030-01 | 702.51 | 2.51 | 700.00 | 0.00 |