北京贷款90万（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：90万
还款月数：5年
每月还款：16211.85元
利息总额：7.27万
本息合计：97.27万
| 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 | 16211.85 | 2325.00 | 13886.85 | 886113.15 |
| 2 | 2025-06 | 16211.85 | 2289.13 | 13922.72 | 872190.43 |
| 3 | 2025-07 | 16211.85 | 2253.16 | 13958.69 | 858231.74 |
| 4 | 2025-08 | 16211.85 | 2217.10 | 13994.75 | 844236.99 |
| 5 | 2025-09 | 16211.85 | 2180.95 | 14030.90 | 830206.09 |
| 6 | 2025-10 | 16211.85 | 2144.70 | 14067.15 | 816138.94 |
| 7 | 2025-11 | 16211.85 | 2108.36 | 14103.49 | 802035.46 |
| 8 | 2025-12 | 16211.85 | 2071.92 | 14139.92 | 787895.53 |
| 9 | 2026-01 | 16211.85 | 2035.40 | 14176.45 | 773719.08 |
| 10 | 2026-02 | 16211.85 | 1998.77 | 14213.07 | 759506.01 |
| 11 | 2026-03 | 16211.85 | 1962.06 | 14249.79 | 745256.22 |
| 12 | 2026-04 | 16211.85 | 1925.25 | 14286.60 | 730969.62 |
| 13 | 2026-05 | 16211.85 | 1888.34 | 14323.51 | 716646.11 |
| 14 | 2026-06 | 16211.85 | 1851.34 | 14360.51 | 702285.60 |
| 15 | 2026-07 | 16211.85 | 1814.24 | 14397.61 | 687887.99 |
| 16 | 2026-08 | 16211.85 | 1777.04 | 14434.80 | 673453.19 |
| 17 | 2026-09 | 16211.85 | 1739.75 | 14472.09 | 658981.09 |
| 18 | 2026-10 | 16211.85 | 1702.37 | 14509.48 | 644471.61 |
| 19 | 2026-11 | 16211.85 | 1664.88 | 14546.96 | 629924.65 |
| 20 | 2026-12 | 16211.85 | 1627.31 | 14584.54 | 615340.11 |
| 21 | 2027-01 | 16211.85 | 1589.63 | 14622.22 | 600717.89 |
| 22 | 2027-02 | 16211.85 | 1551.85 | 14659.99 | 586057.90 |
| 23 | 2027-03 | 16211.85 | 1513.98 | 14697.86 | 571360.03 |
| 24 | 2027-04 | 16211.85 | 1476.01 | 14735.83 | 556624.20 |
| 25 | 2027-05 | 16211.85 | 1437.95 | 14773.90 | 541850.30 |
| 26 | 2027-06 | 16211.85 | 1399.78 | 14812.07 | 527038.23 |
| 27 | 2027-07 | 16211.85 | 1361.52 | 14850.33 | 512187.90 |
| 28 | 2027-08 | 16211.85 | 1323.15 | 14888.70 | 497299.20 |
| 29 | 2027-09 | 16211.85 | 1284.69 | 14927.16 | 482372.05 |
| 30 | 2027-10 | 16211.85 | 1246.13 | 14965.72 | 467406.33 |
| 31 | 2027-11 | 16211.85 | 1207.47 | 15004.38 | 452401.95 |
| 32 | 2027-12 | 16211.85 | 1168.71 | 15043.14 | 437358.80 |
| 33 | 2028-01 | 16211.85 | 1129.84 | 15082.00 | 422276.80 |
| 34 | 2028-02 | 16211.85 | 1090.88 | 15120.97 | 407155.83 |
| 35 | 2028-03 | 16211.85 | 1051.82 | 15160.03 | 391995.81 |
| 36 | 2028-04 | 16211.85 | 1012.66 | 15199.19 | 376796.61 |
| 37 | 2028-05 | 16211.85 | 973.39 | 15238.46 | 361558.16 |
| 38 | 2028-06 | 16211.85 | 934.03 | 15277.82 | 346280.34 |
| 39 | 2028-07 | 16211.85 | 894.56 | 15317.29 | 330963.05 |
| 40 | 2028-08 | 16211.85 | 854.99 | 15356.86 | 315606.19 |
| 41 | 2028-09 | 16211.85 | 815.32 | 15396.53 | 300209.66 |
| 42 | 2028-10 | 16211.85 | 775.54 | 15436.31 | 284773.35 |
| 43 | 2028-11 | 16211.85 | 735.66 | 15476.18 | 269297.17 |
| 44 | 2028-12 | 16211.85 | 695.68 | 15516.16 | 253781.01 |
| 45 | 2029-01 | 16211.85 | 655.60 | 15556.25 | 238224.76 |
| 46 | 2029-02 | 16211.85 | 615.41 | 15596.43 | 222628.33 |
| 47 | 2029-03 | 16211.85 | 575.12 | 15636.72 | 206991.60 |
| 48 | 2029-04 | 16211.85 | 534.73 | 15677.12 | 191314.48 |
| 49 | 2029-05 | 16211.85 | 494.23 | 15717.62 | 175596.86 |
| 50 | 2029-06 | 16211.85 | 453.63 | 15758.22 | 159838.64 |
| 51 | 2029-07 | 16211.85 | 412.92 | 15798.93 | 144039.71 |
| 52 | 2029-08 | 16211.85 | 372.10 | 15839.74 | 128199.97 |
| 53 | 2029-09 | 16211.85 | 331.18 | 15880.66 | 112319.30 |
| 54 | 2029-10 | 16211.85 | 290.16 | 15921.69 | 96397.61 |
| 55 | 2029-11 | 16211.85 | 249.03 | 15962.82 | 80434.79 |
| 56 | 2029-12 | 16211.85 | 207.79 | 16004.06 | 64430.74 |
| 57 | 2030-01 | 16211.85 | 166.45 | 16045.40 | 48385.34 |
| 58 | 2030-02 | 16211.85 | 125.00 | 16086.85 | 32298.48 |
| 59 | 2030-03 | 16211.85 | 83.44 | 16128.41 | 16170.07 |
| 60 | 2030-04 | 16211.85 | 41.77 | 16170.07 | 0.00 |
等额本金还款方式：
贷款总额：90万
还款月数：5年
首月还款：17325元
每月递减：38.75元
利息总额：7.09万
本息合计：97.09万
节省利息：1798.33元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 17325.00 | 2325.00 | 15000.00 | 885000.00 |
| 2 | 2025-06 | 17286.25 | 2286.25 | 15000.00 | 870000.00 |
| 3 | 2025-07 | 17247.50 | 2247.50 | 15000.00 | 855000.00 |
| 4 | 2025-08 | 17208.75 | 2208.75 | 15000.00 | 840000.00 |
| 5 | 2025-09 | 17170.00 | 2170.00 | 15000.00 | 825000.00 |
| 6 | 2025-10 | 17131.25 | 2131.25 | 15000.00 | 810000.00 |
| 7 | 2025-11 | 17092.50 | 2092.50 | 15000.00 | 795000.00 |
| 8 | 2025-12 | 17053.75 | 2053.75 | 15000.00 | 780000.00 |
| 9 | 2026-01 | 17015.00 | 2015.00 | 15000.00 | 765000.00 |
| 10 | 2026-02 | 16976.25 | 1976.25 | 15000.00 | 750000.00 |
| 11 | 2026-03 | 16937.50 | 1937.50 | 15000.00 | 735000.00 |
| 12 | 2026-04 | 16898.75 | 1898.75 | 15000.00 | 720000.00 |
| 13 | 2026-05 | 16860.00 | 1860.00 | 15000.00 | 705000.00 |
| 14 | 2026-06 | 16821.25 | 1821.25 | 15000.00 | 690000.00 |
| 15 | 2026-07 | 16782.50 | 1782.50 | 15000.00 | 675000.00 |
| 16 | 2026-08 | 16743.75 | 1743.75 | 15000.00 | 660000.00 |
| 17 | 2026-09 | 16705.00 | 1705.00 | 15000.00 | 645000.00 |
| 18 | 2026-10 | 16666.25 | 1666.25 | 15000.00 | 630000.00 |
| 19 | 2026-11 | 16627.50 | 1627.50 | 15000.00 | 615000.00 |
| 20 | 2026-12 | 16588.75 | 1588.75 | 15000.00 | 600000.00 |
| 21 | 2027-01 | 16550.00 | 1550.00 | 15000.00 | 585000.00 |
| 22 | 2027-02 | 16511.25 | 1511.25 | 15000.00 | 570000.00 |
| 23 | 2027-03 | 16472.50 | 1472.50 | 15000.00 | 555000.00 |
| 24 | 2027-04 | 16433.75 | 1433.75 | 15000.00 | 540000.00 |
| 25 | 2027-05 | 16395.00 | 1395.00 | 15000.00 | 525000.00 |
| 26 | 2027-06 | 16356.25 | 1356.25 | 15000.00 | 510000.00 |
| 27 | 2027-07 | 16317.50 | 1317.50 | 15000.00 | 495000.00 |
| 28 | 2027-08 | 16278.75 | 1278.75 | 15000.00 | 480000.00 |
| 29 | 2027-09 | 16240.00 | 1240.00 | 15000.00 | 465000.00 |
| 30 | 2027-10 | 16201.25 | 1201.25 | 15000.00 | 450000.00 |
| 31 | 2027-11 | 16162.50 | 1162.50 | 15000.00 | 435000.00 |
| 32 | 2027-12 | 16123.75 | 1123.75 | 15000.00 | 420000.00 |
| 33 | 2028-01 | 16085.00 | 1085.00 | 15000.00 | 405000.00 |
| 34 | 2028-02 | 16046.25 | 1046.25 | 15000.00 | 390000.00 |
| 35 | 2028-03 | 16007.50 | 1007.50 | 15000.00 | 375000.00 |
| 36 | 2028-04 | 15968.75 | 968.75 | 15000.00 | 360000.00 |
| 37 | 2028-05 | 15930.00 | 930.00 | 15000.00 | 345000.00 |
| 38 | 2028-06 | 15891.25 | 891.25 | 15000.00 | 330000.00 |
| 39 | 2028-07 | 15852.50 | 852.50 | 15000.00 | 315000.00 |
| 40 | 2028-08 | 15813.75 | 813.75 | 15000.00 | 300000.00 |
| 41 | 2028-09 | 15775.00 | 775.00 | 15000.00 | 285000.00 |
| 42 | 2028-10 | 15736.25 | 736.25 | 15000.00 | 270000.00 |
| 43 | 2028-11 | 15697.50 | 697.50 | 15000.00 | 255000.00 |
| 44 | 2028-12 | 15658.75 | 658.75 | 15000.00 | 240000.00 |
| 45 | 2029-01 | 15620.00 | 620.00 | 15000.00 | 225000.00 |
| 46 | 2029-02 | 15581.25 | 581.25 | 15000.00 | 210000.00 |
| 47 | 2029-03 | 15542.50 | 542.50 | 15000.00 | 195000.00 |
| 48 | 2029-04 | 15503.75 | 503.75 | 15000.00 | 180000.00 |
| 49 | 2029-05 | 15465.00 | 465.00 | 15000.00 | 165000.00 |
| 50 | 2029-06 | 15426.25 | 426.25 | 15000.00 | 150000.00 |
| 51 | 2029-07 | 15387.50 | 387.50 | 15000.00 | 135000.00 |
| 52 | 2029-08 | 15348.75 | 348.75 | 15000.00 | 120000.00 |
| 53 | 2029-09 | 15310.00 | 310.00 | 15000.00 | 105000.00 |
| 54 | 2029-10 | 15271.25 | 271.25 | 15000.00 | 90000.00 |
| 55 | 2029-11 | 15232.50 | 232.50 | 15000.00 | 75000.00 |
| 56 | 2029-12 | 15193.75 | 193.75 | 15000.00 | 60000.00 |
| 57 | 2030-01 | 15155.00 | 155.00 | 15000.00 | 45000.00 |
| 58 | 2030-02 | 15116.25 | 116.25 | 15000.00 | 30000.00 |
| 59 | 2030-03 | 15077.50 | 77.50 | 15000.00 | 15000.00 |
| 60 | 2030-04 | 15038.75 | 38.75 | 15000.00 | 0.00 |