贷款38万（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：38万
还款月数：5年
每月还款：6802.8元
利息总额：2.82万
本息合计：40.82万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 6802.80 | 902.50 | 5900.30 | 374099.70 |
| 2 | 2025-04 | 6802.80 | 888.49 | 5914.32 | 368185.38 |
| 3 | 2025-05 | 6802.80 | 874.44 | 5928.36 | 362257.02 |
| 4 | 2025-06 | 6802.80 | 860.36 | 5942.44 | 356314.58 |
| 5 | 2025-07 | 6802.80 | 846.25 | 5956.55 | 350358.02 |
| 6 | 2025-08 | 6802.80 | 832.10 | 5970.70 | 344387.32 |
| 7 | 2025-09 | 6802.80 | 817.92 | 5984.88 | 338402.44 |
| 8 | 2025-10 | 6802.80 | 803.71 | 5999.10 | 332403.34 |
| 9 | 2025-11 | 6802.80 | 789.46 | 6013.34 | 326390.00 |
| 10 | 2025-12 | 6802.80 | 775.18 | 6027.63 | 320362.37 |
| 11 | 2026-01 | 6802.80 | 760.86 | 6041.94 | 314320.43 |
| 12 | 2026-02 | 6802.80 | 746.51 | 6056.29 | 308264.14 |
| 13 | 2026-03 | 6802.80 | 732.13 | 6070.67 | 302193.47 |
| 14 | 2026-04 | 6802.80 | 717.71 | 6085.09 | 296108.37 |
| 15 | 2026-05 | 6802.80 | 703.26 | 6099.54 | 290008.83 |
| 16 | 2026-06 | 6802.80 | 688.77 | 6114.03 | 283894.80 |
| 17 | 2026-07 | 6802.80 | 674.25 | 6128.55 | 277766.25 |
| 18 | 2026-08 | 6802.80 | 659.69 | 6143.11 | 271623.14 |
| 19 | 2026-09 | 6802.80 | 645.10 | 6157.70 | 265465.44 |
| 20 | 2026-10 | 6802.80 | 630.48 | 6172.32 | 259293.12 |
| 21 | 2026-11 | 6802.80 | 615.82 | 6186.98 | 253106.14 |
| 22 | 2026-12 | 6802.80 | 601.13 | 6201.67 | 246904.46 |
| 23 | 2027-01 | 6802.80 | 586.40 | 6216.40 | 240688.06 |
| 24 | 2027-02 | 6802.80 | 571.63 | 6231.17 | 234456.89 |
| 25 | 2027-03 | 6802.80 | 556.84 | 6245.97 | 228210.93 |
| 26 | 2027-04 | 6802.80 | 542.00 | 6260.80 | 221950.12 |
| 27 | 2027-05 | 6802.80 | 527.13 | 6275.67 | 215674.45 |
| 28 | 2027-06 | 6802.80 | 512.23 | 6290.58 | 209383.88 |
| 29 | 2027-07 | 6802.80 | 497.29 | 6305.52 | 203078.36 |
| 30 | 2027-08 | 6802.80 | 482.31 | 6320.49 | 196757.87 |
| 31 | 2027-09 | 6802.80 | 467.30 | 6335.50 | 190422.37 |
| 32 | 2027-10 | 6802.80 | 452.25 | 6350.55 | 184071.82 |
| 33 | 2027-11 | 6802.80 | 437.17 | 6365.63 | 177706.19 |
| 34 | 2027-12 | 6802.80 | 422.05 | 6380.75 | 171325.44 |
| 35 | 2028-01 | 6802.80 | 406.90 | 6395.90 | 164929.54 |
| 36 | 2028-02 | 6802.80 | 391.71 | 6411.09 | 158518.44 |
| 37 | 2028-03 | 6802.80 | 376.48 | 6426.32 | 152092.12 |
| 38 | 2028-04 | 6802.80 | 361.22 | 6441.58 | 145650.54 |
| 39 | 2028-05 | 6802.80 | 345.92 | 6456.88 | 139193.66 |
| 40 | 2028-06 | 6802.80 | 330.58 | 6472.22 | 132721.44 |
| 41 | 2028-07 | 6802.80 | 315.21 | 6487.59 | 126233.85 |
| 42 | 2028-08 | 6802.80 | 299.81 | 6503.00 | 119730.85 |
| 43 | 2028-09 | 6802.80 | 284.36 | 6518.44 | 113212.41 |
| 44 | 2028-10 | 6802.80 | 268.88 | 6533.92 | 106678.49 |
| 45 | 2028-11 | 6802.80 | 253.36 | 6549.44 | 100129.05 |
| 46 | 2028-12 | 6802.80 | 237.81 | 6565.00 | 93564.05 |
| 47 | 2029-01 | 6802.80 | 222.21 | 6580.59 | 86983.47 |
| 48 | 2029-02 | 6802.80 | 206.59 | 6596.22 | 80387.25 |
| 49 | 2029-03 | 6802.80 | 190.92 | 6611.88 | 73775.37 |
| 50 | 2029-04 | 6802.80 | 175.22 | 6627.59 | 67147.78 |
| 51 | 2029-05 | 6802.80 | 159.48 | 6643.33 | 60504.46 |
| 52 | 2029-06 | 6802.80 | 143.70 | 6659.10 | 53845.35 |
| 53 | 2029-07 | 6802.80 | 127.88 | 6674.92 | 47170.43 |
| 54 | 2029-08 | 6802.80 | 112.03 | 6690.77 | 40479.66 |
| 55 | 2029-09 | 6802.80 | 96.14 | 6706.66 | 33773.00 |
| 56 | 2029-10 | 6802.80 | 80.21 | 6722.59 | 27050.41 |
| 57 | 2029-11 | 6802.80 | 64.24 | 6738.56 | 20311.85 |
| 58 | 2029-12 | 6802.80 | 48.24 | 6754.56 | 13557.29 |
| 59 | 2030-01 | 6802.80 | 32.20 | 6770.60 | 6786.68 |
| 60 | 2030-02 | 6802.80 | 16.12 | 6786.68 | 0.00 |
等额本金还款方式：
贷款总额：38万
还款月数：5年
首月还款：7235.83元
每月递减：15.04元
利息总额：2.75万
本息合计：40.75万
节省利息：641.87元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 7235.83 | 902.50 | 6333.33 | 373666.67 |
| 2 | 2025-04 | 7220.79 | 887.46 | 6333.33 | 367333.33 |
| 3 | 2025-05 | 7205.75 | 872.42 | 6333.33 | 361000.00 |
| 4 | 2025-06 | 7190.71 | 857.38 | 6333.33 | 354666.67 |
| 5 | 2025-07 | 7175.67 | 842.33 | 6333.33 | 348333.33 |
| 6 | 2025-08 | 7160.63 | 827.29 | 6333.33 | 342000.00 |
| 7 | 2025-09 | 7145.58 | 812.25 | 6333.33 | 335666.67 |
| 8 | 2025-10 | 7130.54 | 797.21 | 6333.33 | 329333.33 |
| 9 | 2025-11 | 7115.50 | 782.17 | 6333.33 | 323000.00 |
| 10 | 2025-12 | 7100.46 | 767.13 | 6333.33 | 316666.67 |
| 11 | 2026-01 | 7085.42 | 752.08 | 6333.33 | 310333.33 |
| 12 | 2026-02 | 7070.38 | 737.04 | 6333.33 | 304000.00 |
| 13 | 2026-03 | 7055.33 | 722.00 | 6333.33 | 297666.67 |
| 14 | 2026-04 | 7040.29 | 706.96 | 6333.33 | 291333.33 |
| 15 | 2026-05 | 7025.25 | 691.92 | 6333.33 | 285000.00 |
| 16 | 2026-06 | 7010.21 | 676.88 | 6333.33 | 278666.67 |
| 17 | 2026-07 | 6995.17 | 661.83 | 6333.33 | 272333.33 |
| 18 | 2026-08 | 6980.13 | 646.79 | 6333.33 | 266000.00 |
| 19 | 2026-09 | 6965.08 | 631.75 | 6333.33 | 259666.67 |
| 20 | 2026-10 | 6950.04 | 616.71 | 6333.33 | 253333.33 |
| 21 | 2026-11 | 6935.00 | 601.67 | 6333.33 | 247000.00 |
| 22 | 2026-12 | 6919.96 | 586.63 | 6333.33 | 240666.67 |
| 23 | 2027-01 | 6904.92 | 571.58 | 6333.33 | 234333.33 |
| 24 | 2027-02 | 6889.88 | 556.54 | 6333.33 | 228000.00 |
| 25 | 2027-03 | 6874.83 | 541.50 | 6333.33 | 221666.67 |
| 26 | 2027-04 | 6859.79 | 526.46 | 6333.33 | 215333.33 |
| 27 | 2027-05 | 6844.75 | 511.42 | 6333.33 | 209000.00 |
| 28 | 2027-06 | 6829.71 | 496.38 | 6333.33 | 202666.67 |
| 29 | 2027-07 | 6814.67 | 481.33 | 6333.33 | 196333.33 |
| 30 | 2027-08 | 6799.63 | 466.29 | 6333.33 | 190000.00 |
| 31 | 2027-09 | 6784.58 | 451.25 | 6333.33 | 183666.67 |
| 32 | 2027-10 | 6769.54 | 436.21 | 6333.33 | 177333.33 |
| 33 | 2027-11 | 6754.50 | 421.17 | 6333.33 | 171000.00 |
| 34 | 2027-12 | 6739.46 | 406.13 | 6333.33 | 164666.67 |
| 35 | 2028-01 | 6724.42 | 391.08 | 6333.33 | 158333.33 |
| 36 | 2028-02 | 6709.38 | 376.04 | 6333.33 | 152000.00 |
| 37 | 2028-03 | 6694.33 | 361.00 | 6333.33 | 145666.67 |
| 38 | 2028-04 | 6679.29 | 345.96 | 6333.33 | 139333.33 |
| 39 | 2028-05 | 6664.25 | 330.92 | 6333.33 | 133000.00 |
| 40 | 2028-06 | 6649.21 | 315.88 | 6333.33 | 126666.67 |
| 41 | 2028-07 | 6634.17 | 300.83 | 6333.33 | 120333.33 |
| 42 | 2028-08 | 6619.13 | 285.79 | 6333.33 | 114000.00 |
| 43 | 2028-09 | 6604.08 | 270.75 | 6333.33 | 107666.67 |
| 44 | 2028-10 | 6589.04 | 255.71 | 6333.33 | 101333.33 |
| 45 | 2028-11 | 6574.00 | 240.67 | 6333.33 | 95000.00 |
| 46 | 2028-12 | 6558.96 | 225.63 | 6333.33 | 88666.67 |
| 47 | 2029-01 | 6543.92 | 210.58 | 6333.33 | 82333.33 |
| 48 | 2029-02 | 6528.88 | 195.54 | 6333.33 | 76000.00 |
| 49 | 2029-03 | 6513.83 | 180.50 | 6333.33 | 69666.67 |
| 50 | 2029-04 | 6498.79 | 165.46 | 6333.33 | 63333.33 |
| 51 | 2029-05 | 6483.75 | 150.42 | 6333.33 | 57000.00 |
| 52 | 2029-06 | 6468.71 | 135.38 | 6333.33 | 50666.67 |
| 53 | 2029-07 | 6453.67 | 120.33 | 6333.33 | 44333.33 |
| 54 | 2029-08 | 6438.63 | 105.29 | 6333.33 | 38000.00 |
| 55 | 2029-09 | 6423.58 | 90.25 | 6333.33 | 31666.67 |
| 56 | 2029-10 | 6408.54 | 75.21 | 6333.33 | 25333.33 |
| 57 | 2029-11 | 6393.50 | 60.17 | 6333.33 | 19000.00 |
| 58 | 2029-12 | 6378.46 | 45.13 | 6333.33 | 12666.67 |
| 59 | 2030-01 | 6363.42 | 30.08 | 6333.33 | 6333.33 |
| 60 | 2030-02 | 6348.38 | 15.04 | 6333.33 | 0.00 |