贷款2万（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：2万
还款月数：3年
每月还款：578.11元
利息总额：811.79元
本息合计：2.08万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 578.11 | 43.33 | 534.77 | 19465.23 |
| 2 | 2025-06 | 578.11 | 42.17 | 535.93 | 18929.30 |
| 3 | 2025-07 | 578.11 | 41.01 | 537.09 | 18392.21 |
| 4 | 2025-08 | 578.11 | 39.85 | 538.26 | 17853.95 |
| 5 | 2025-09 | 578.11 | 38.68 | 539.42 | 17314.53 |
| 6 | 2025-10 | 578.11 | 37.51 | 540.59 | 16773.94 |
| 7 | 2025-11 | 578.11 | 36.34 | 541.76 | 16232.18 |
| 8 | 2025-12 | 578.11 | 35.17 | 542.94 | 15689.24 |
| 9 | 2026-01 | 578.11 | 33.99 | 544.11 | 15145.13 |
| 10 | 2026-02 | 578.11 | 32.81 | 545.29 | 14599.84 |
| 11 | 2026-03 | 578.11 | 31.63 | 546.47 | 14053.37 |
| 12 | 2026-04 | 578.11 | 30.45 | 547.66 | 13505.71 |
| 13 | 2026-05 | 578.11 | 29.26 | 548.84 | 12956.87 |
| 14 | 2026-06 | 578.11 | 28.07 | 550.03 | 12406.84 |
| 15 | 2026-07 | 578.11 | 26.88 | 551.22 | 11855.61 |
| 16 | 2026-08 | 578.11 | 25.69 | 552.42 | 11303.19 |
| 17 | 2026-09 | 578.11 | 24.49 | 553.61 | 10749.58 |
| 18 | 2026-10 | 578.11 | 23.29 | 554.81 | 10194.76 |
| 19 | 2026-11 | 578.11 | 22.09 | 556.02 | 9638.75 |
| 20 | 2026-12 | 578.11 | 20.88 | 557.22 | 9081.53 |
| 21 | 2027-01 | 578.11 | 19.68 | 558.43 | 8523.10 |
| 22 | 2027-02 | 578.11 | 18.47 | 559.64 | 7963.46 |
| 23 | 2027-03 | 578.11 | 17.25 | 560.85 | 7402.61 |
| 24 | 2027-04 | 578.11 | 16.04 | 562.07 | 6840.54 |
| 25 | 2027-05 | 578.11 | 14.82 | 563.28 | 6277.26 |
| 26 | 2027-06 | 578.11 | 13.60 | 564.50 | 5712.75 |
| 27 | 2027-07 | 578.11 | 12.38 | 565.73 | 5147.03 |
| 28 | 2027-08 | 578.11 | 11.15 | 566.95 | 4580.07 |
| 29 | 2027-09 | 578.11 | 9.92 | 568.18 | 4011.89 |
| 30 | 2027-10 | 578.11 | 8.69 | 569.41 | 3442.48 |
| 31 | 2027-11 | 578.11 | 7.46 | 570.65 | 2871.83 |
| 32 | 2027-12 | 578.11 | 6.22 | 571.88 | 2299.95 |
| 33 | 2028-01 | 578.11 | 4.98 | 573.12 | 1726.83 |
| 34 | 2028-02 | 578.11 | 3.74 | 574.36 | 1152.46 |
| 35 | 2028-03 | 578.11 | 2.50 | 575.61 | 576.86 |
| 36 | 2028-04 | 578.11 | 1.25 | 576.86 | 0.00 |
等额本金还款方式：
贷款总额：2万
还款月数：3年
首月还款：598.89元
每月递减：1.2元
利息总额：801.67元
本息合计：2.08万
节省利息：10.12元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 598.89 | 43.33 | 555.56 | 19444.44 |
| 2 | 2025-06 | 597.69 | 42.13 | 555.56 | 18888.89 |
| 3 | 2025-07 | 596.48 | 40.93 | 555.56 | 18333.33 |
| 4 | 2025-08 | 595.28 | 39.72 | 555.56 | 17777.78 |
| 5 | 2025-09 | 594.07 | 38.52 | 555.56 | 17222.22 |
| 6 | 2025-10 | 592.87 | 37.31 | 555.56 | 16666.67 |
| 7 | 2025-11 | 591.67 | 36.11 | 555.56 | 16111.11 |
| 8 | 2025-12 | 590.46 | 34.91 | 555.56 | 15555.56 |
| 9 | 2026-01 | 589.26 | 33.70 | 555.56 | 15000.00 |
| 10 | 2026-02 | 588.06 | 32.50 | 555.56 | 14444.44 |
| 11 | 2026-03 | 586.85 | 31.30 | 555.56 | 13888.89 |
| 12 | 2026-04 | 585.65 | 30.09 | 555.56 | 13333.33 |
| 13 | 2026-05 | 584.44 | 28.89 | 555.56 | 12777.78 |
| 14 | 2026-06 | 583.24 | 27.69 | 555.56 | 12222.22 |
| 15 | 2026-07 | 582.04 | 26.48 | 555.56 | 11666.67 |
| 16 | 2026-08 | 580.83 | 25.28 | 555.56 | 11111.11 |
| 17 | 2026-09 | 579.63 | 24.07 | 555.56 | 10555.56 |
| 18 | 2026-10 | 578.43 | 22.87 | 555.56 | 10000.00 |
| 19 | 2026-11 | 577.22 | 21.67 | 555.56 | 9444.44 |
| 20 | 2026-12 | 576.02 | 20.46 | 555.56 | 8888.89 |
| 21 | 2027-01 | 574.81 | 19.26 | 555.56 | 8333.33 |
| 22 | 2027-02 | 573.61 | 18.06 | 555.56 | 7777.78 |
| 23 | 2027-03 | 572.41 | 16.85 | 555.56 | 7222.22 |
| 24 | 2027-04 | 571.20 | 15.65 | 555.56 | 6666.67 |
| 25 | 2027-05 | 570.00 | 14.44 | 555.56 | 6111.11 |
| 26 | 2027-06 | 568.80 | 13.24 | 555.56 | 5555.56 |
| 27 | 2027-07 | 567.59 | 12.04 | 555.56 | 5000.00 |
| 28 | 2027-08 | 566.39 | 10.83 | 555.56 | 4444.44 |
| 29 | 2027-09 | 565.19 | 9.63 | 555.56 | 3888.89 |
| 30 | 2027-10 | 563.98 | 8.43 | 555.56 | 3333.33 |
| 31 | 2027-11 | 562.78 | 7.22 | 555.56 | 2777.78 |
| 32 | 2027-12 | 561.57 | 6.02 | 555.56 | 2222.22 |
| 33 | 2028-01 | 560.37 | 4.81 | 555.56 | 1666.67 |
| 34 | 2028-02 | 559.17 | 3.61 | 555.56 | 1111.11 |
| 35 | 2028-03 | 557.96 | 2.41 | 555.56 | 555.56 |
| 36 | 2028-04 | 556.76 | 1.20 | 555.56 | 0.00 |