贷款18.8万（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：18.8万
还款月数：3年
每月还款：5676.83元
利息总额：1.64万
本息合计：20.44万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 5676.83 | 861.67 | 4815.16 | 183184.84 |
| 2 | 2024-05 | 5676.83 | 839.60 | 4837.23 | 178347.60 |
| 3 | 2024-06 | 5676.83 | 817.43 | 4859.40 | 173488.20 |
| 4 | 2024-07 | 5676.83 | 795.15 | 4881.68 | 168606.53 |
| 5 | 2024-08 | 5676.83 | 772.78 | 4904.05 | 163702.48 |
| 6 | 2024-09 | 5676.83 | 750.30 | 4926.53 | 158775.95 |
| 7 | 2024-10 | 5676.83 | 727.72 | 4949.11 | 153826.84 |
| 8 | 2024-11 | 5676.83 | 705.04 | 4971.79 | 148855.05 |
| 9 | 2024-12 | 5676.83 | 682.25 | 4994.58 | 143860.48 |
| 10 | 2025-01 | 5676.83 | 659.36 | 5017.47 | 138843.01 |
| 11 | 2025-02 | 5676.83 | 636.36 | 5040.47 | 133802.54 |
| 12 | 2025-03 | 5676.83 | 613.26 | 5063.57 | 128738.97 |
| 13 | 2025-04 | 5676.83 | 590.05 | 5086.78 | 123652.20 |
| 14 | 2025-05 | 5676.83 | 566.74 | 5110.09 | 118542.11 |
| 15 | 2025-06 | 5676.83 | 543.32 | 5133.51 | 113408.60 |
| 16 | 2025-07 | 5676.83 | 519.79 | 5157.04 | 108251.56 |
| 17 | 2025-08 | 5676.83 | 496.15 | 5180.68 | 103070.88 |
| 18 | 2025-09 | 5676.83 | 472.41 | 5204.42 | 97866.46 |
| 19 | 2025-10 | 5676.83 | 448.55 | 5228.27 | 92638.18 |
| 20 | 2025-11 | 5676.83 | 424.59 | 5252.24 | 87385.95 |
| 21 | 2025-12 | 5676.83 | 400.52 | 5276.31 | 82109.63 |
| 22 | 2026-01 | 5676.83 | 376.34 | 5300.49 | 76809.14 |
| 23 | 2026-02 | 5676.83 | 352.04 | 5324.79 | 71484.35 |
| 24 | 2026-03 | 5676.83 | 327.64 | 5349.19 | 66135.16 |
| 25 | 2026-04 | 5676.83 | 303.12 | 5373.71 | 60761.45 |
| 26 | 2026-05 | 5676.83 | 278.49 | 5398.34 | 55363.11 |
| 27 | 2026-06 | 5676.83 | 253.75 | 5423.08 | 49940.03 |
| 28 | 2026-07 | 5676.83 | 228.89 | 5447.94 | 44492.09 |
| 29 | 2026-08 | 5676.83 | 203.92 | 5472.91 | 39019.18 |
| 30 | 2026-09 | 5676.83 | 178.84 | 5497.99 | 33521.19 |
| 31 | 2026-10 | 5676.83 | 153.64 | 5523.19 | 27998.00 |
| 32 | 2026-11 | 5676.83 | 128.32 | 5548.51 | 22449.50 |
| 33 | 2026-12 | 5676.83 | 102.89 | 5573.94 | 16875.56 |
| 34 | 2027-01 | 5676.83 | 77.35 | 5599.48 | 11276.08 |
| 35 | 2027-02 | 5676.83 | 51.68 | 5625.15 | 5650.93 |
| 36 | 2027-03 | 5676.83 | 25.90 | 5650.93 | 0.00 |
等额本金还款方式：
贷款总额：18.8万
还款月数：3年
首月还款：6083.89元
每月递减：23.94元
利息总额：1.59万
本息合计：20.39万
节省利息：425.03元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 6083.89 | 861.67 | 5222.22 | 182777.78 |
| 2 | 2024-05 | 6059.95 | 837.73 | 5222.22 | 177555.56 |
| 3 | 2024-06 | 6036.02 | 813.80 | 5222.22 | 172333.33 |
| 4 | 2024-07 | 6012.08 | 789.86 | 5222.22 | 167111.11 |
| 5 | 2024-08 | 5988.15 | 765.93 | 5222.22 | 161888.89 |
| 6 | 2024-09 | 5964.21 | 741.99 | 5222.22 | 156666.67 |
| 7 | 2024-10 | 5940.28 | 718.06 | 5222.22 | 151444.44 |
| 8 | 2024-11 | 5916.34 | 694.12 | 5222.22 | 146222.22 |
| 9 | 2024-12 | 5892.41 | 670.19 | 5222.22 | 141000.00 |
| 10 | 2025-01 | 5868.47 | 646.25 | 5222.22 | 135777.78 |
| 11 | 2025-02 | 5844.54 | 622.31 | 5222.22 | 130555.56 |
| 12 | 2025-03 | 5820.60 | 598.38 | 5222.22 | 125333.33 |
| 13 | 2025-04 | 5796.67 | 574.44 | 5222.22 | 120111.11 |
| 14 | 2025-05 | 5772.73 | 550.51 | 5222.22 | 114888.89 |
| 15 | 2025-06 | 5748.80 | 526.57 | 5222.22 | 109666.67 |
| 16 | 2025-07 | 5724.86 | 502.64 | 5222.22 | 104444.44 |
| 17 | 2025-08 | 5700.93 | 478.70 | 5222.22 | 99222.22 |
| 18 | 2025-09 | 5676.99 | 454.77 | 5222.22 | 94000.00 |
| 19 | 2025-10 | 5653.06 | 430.83 | 5222.22 | 88777.78 |
| 20 | 2025-11 | 5629.12 | 406.90 | 5222.22 | 83555.56 |
| 21 | 2025-12 | 5605.19 | 382.96 | 5222.22 | 78333.33 |
| 22 | 2026-01 | 5581.25 | 359.03 | 5222.22 | 73111.11 |
| 23 | 2026-02 | 5557.31 | 335.09 | 5222.22 | 67888.89 |
| 24 | 2026-03 | 5533.38 | 311.16 | 5222.22 | 62666.67 |
| 25 | 2026-04 | 5509.44 | 287.22 | 5222.22 | 57444.44 |
| 26 | 2026-05 | 5485.51 | 263.29 | 5222.22 | 52222.22 |
| 27 | 2026-06 | 5461.57 | 239.35 | 5222.22 | 47000.00 |
| 28 | 2026-07 | 5437.64 | 215.42 | 5222.22 | 41777.78 |
| 29 | 2026-08 | 5413.70 | 191.48 | 5222.22 | 36555.56 |
| 30 | 2026-09 | 5389.77 | 167.55 | 5222.22 | 31333.33 |
| 31 | 2026-10 | 5365.83 | 143.61 | 5222.22 | 26111.11 |
| 32 | 2026-11 | 5341.90 | 119.68 | 5222.22 | 20888.89 |
| 33 | 2026-12 | 5317.96 | 95.74 | 5222.22 | 15666.67 |
| 34 | 2027-01 | 5294.03 | 71.81 | 5222.22 | 10444.44 |
| 35 | 2027-02 | 5270.09 | 47.87 | 5222.22 | 5222.22 |
| 36 | 2027-03 | 5246.16 | 23.94 | 5222.22 | 0.00 |