贷款2.05万（商业贷款）房贷，还款4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：2.05万
还款月数：4年
每月还款：474.88元
利息总额：2254.47元
本息合计：2.28万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 474.88 | 89.01 | 385.88 | 20154.12 |
| 2 | 2024-07 | 474.88 | 87.33 | 387.55 | 19766.57 |
| 3 | 2024-08 | 474.88 | 85.66 | 389.23 | 19377.34 |
| 4 | 2024-09 | 474.88 | 83.97 | 390.92 | 18986.43 |
| 5 | 2024-10 | 474.88 | 82.27 | 392.61 | 18593.82 |
| 6 | 2024-11 | 474.88 | 80.57 | 394.31 | 18199.50 |
| 7 | 2024-12 | 474.88 | 78.86 | 396.02 | 17803.48 |
| 8 | 2025-01 | 474.88 | 77.15 | 397.74 | 17405.75 |
| 9 | 2025-02 | 474.88 | 75.42 | 399.46 | 17006.29 |
| 10 | 2025-03 | 474.88 | 73.69 | 401.19 | 16605.10 |
| 11 | 2025-04 | 474.88 | 71.96 | 402.93 | 16202.17 |
| 12 | 2025-05 | 474.88 | 70.21 | 404.68 | 15797.49 |
| 13 | 2025-06 | 474.88 | 68.46 | 406.43 | 15391.06 |
| 14 | 2025-07 | 474.88 | 66.69 | 408.19 | 14982.87 |
| 15 | 2025-08 | 474.88 | 64.93 | 409.96 | 14572.91 |
| 16 | 2025-09 | 474.88 | 63.15 | 411.74 | 14161.18 |
| 17 | 2025-10 | 474.88 | 61.37 | 413.52 | 13747.66 |
| 18 | 2025-11 | 474.88 | 59.57 | 415.31 | 13332.35 |
| 19 | 2025-12 | 474.88 | 57.77 | 417.11 | 12915.23 |
| 20 | 2026-01 | 474.88 | 55.97 | 418.92 | 12496.32 |
| 21 | 2026-02 | 474.88 | 54.15 | 420.73 | 12075.58 |
| 22 | 2026-03 | 474.88 | 52.33 | 422.56 | 11653.02 |
| 23 | 2026-04 | 474.88 | 50.50 | 424.39 | 11228.64 |
| 24 | 2026-05 | 474.88 | 48.66 | 426.23 | 10802.41 |
| 25 | 2026-06 | 474.88 | 46.81 | 428.07 | 10374.33 |
| 26 | 2026-07 | 474.88 | 44.96 | 429.93 | 9944.40 |
| 27 | 2026-08 | 474.88 | 43.09 | 431.79 | 9512.61 |
| 28 | 2026-09 | 474.88 | 41.22 | 433.66 | 9078.95 |
| 29 | 2026-10 | 474.88 | 39.34 | 435.54 | 8643.41 |
| 30 | 2026-11 | 474.88 | 37.45 | 437.43 | 8205.98 |
| 31 | 2026-12 | 474.88 | 35.56 | 439.33 | 7766.65 |
| 32 | 2027-01 | 474.88 | 33.66 | 441.23 | 7325.42 |
| 33 | 2027-02 | 474.88 | 31.74 | 443.14 | 6882.28 |
| 34 | 2027-03 | 474.88 | 29.82 | 445.06 | 6437.22 |
| 35 | 2027-04 | 474.88 | 27.89 | 446.99 | 5990.23 |
| 36 | 2027-05 | 474.88 | 25.96 | 448.93 | 5541.30 |
| 37 | 2027-06 | 474.88 | 24.01 | 450.87 | 5090.43 |
| 38 | 2027-07 | 474.88 | 22.06 | 452.83 | 4637.60 |
| 39 | 2027-08 | 474.88 | 20.10 | 454.79 | 4182.81 |
| 40 | 2027-09 | 474.88 | 18.13 | 456.76 | 3726.05 |
| 41 | 2027-10 | 474.88 | 16.15 | 458.74 | 3267.32 |
| 42 | 2027-11 | 474.88 | 14.16 | 460.73 | 2806.59 |
| 43 | 2027-12 | 474.88 | 12.16 | 462.72 | 2343.87 |
| 44 | 2028-01 | 474.88 | 10.16 | 464.73 | 1879.14 |
| 45 | 2028-02 | 474.88 | 8.14 | 466.74 | 1412.40 |
| 46 | 2028-03 | 474.88 | 6.12 | 468.76 | 943.63 |
| 47 | 2028-04 | 474.88 | 4.09 | 470.80 | 472.84 |
| 48 | 2028-05 | 474.88 | 2.05 | 472.84 | 0.00 |
等额本金还款方式：
贷款总额：2.05万
还款月数：4年
首月还款：516.92元
每月递减：1.85元
利息总额：2180.66元
本息合计：2.27万
节省利息：73.81元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 516.92 | 89.01 | 427.92 | 20112.08 |
| 2 | 2024-07 | 515.07 | 87.15 | 427.92 | 19684.17 |
| 3 | 2024-08 | 513.21 | 85.30 | 427.92 | 19256.25 |
| 4 | 2024-09 | 511.36 | 83.44 | 427.92 | 18828.33 |
| 5 | 2024-10 | 509.51 | 81.59 | 427.92 | 18400.42 |
| 6 | 2024-11 | 507.65 | 79.74 | 427.92 | 17972.50 |
| 7 | 2024-12 | 505.80 | 77.88 | 427.92 | 17544.58 |
| 8 | 2025-01 | 503.94 | 76.03 | 427.92 | 17116.67 |
| 9 | 2025-02 | 502.09 | 74.17 | 427.92 | 16688.75 |
| 10 | 2025-03 | 500.23 | 72.32 | 427.92 | 16260.83 |
| 11 | 2025-04 | 498.38 | 70.46 | 427.92 | 15832.92 |
| 12 | 2025-05 | 496.53 | 68.61 | 427.92 | 15405.00 |
| 13 | 2025-06 | 494.67 | 66.76 | 427.92 | 14977.08 |
| 14 | 2025-07 | 492.82 | 64.90 | 427.92 | 14549.17 |
| 15 | 2025-08 | 490.96 | 63.05 | 427.92 | 14121.25 |
| 16 | 2025-09 | 489.11 | 61.19 | 427.92 | 13693.33 |
| 17 | 2025-10 | 487.25 | 59.34 | 427.92 | 13265.42 |
| 18 | 2025-11 | 485.40 | 57.48 | 427.92 | 12837.50 |
| 19 | 2025-12 | 483.55 | 55.63 | 427.92 | 12409.58 |
| 20 | 2026-01 | 481.69 | 53.77 | 427.92 | 11981.67 |
| 21 | 2026-02 | 479.84 | 51.92 | 427.92 | 11553.75 |
| 22 | 2026-03 | 477.98 | 50.07 | 427.92 | 11125.83 |
| 23 | 2026-04 | 476.13 | 48.21 | 427.92 | 10697.92 |
| 24 | 2026-05 | 474.27 | 46.36 | 427.92 | 10270.00 |
| 25 | 2026-06 | 472.42 | 44.50 | 427.92 | 9842.08 |
| 26 | 2026-07 | 470.57 | 42.65 | 427.92 | 9414.17 |
| 27 | 2026-08 | 468.71 | 40.79 | 427.92 | 8986.25 |
| 28 | 2026-09 | 466.86 | 38.94 | 427.92 | 8558.33 |
| 29 | 2026-10 | 465.00 | 37.09 | 427.92 | 8130.42 |
| 30 | 2026-11 | 463.15 | 35.23 | 427.92 | 7702.50 |
| 31 | 2026-12 | 461.29 | 33.38 | 427.92 | 7274.58 |
| 32 | 2027-01 | 459.44 | 31.52 | 427.92 | 6846.67 |
| 33 | 2027-02 | 457.59 | 29.67 | 427.92 | 6418.75 |
| 34 | 2027-03 | 455.73 | 27.81 | 427.92 | 5990.83 |
| 35 | 2027-04 | 453.88 | 25.96 | 427.92 | 5562.92 |
| 36 | 2027-05 | 452.02 | 24.11 | 427.92 | 5135.00 |
| 37 | 2027-06 | 450.17 | 22.25 | 427.92 | 4707.08 |
| 38 | 2027-07 | 448.31 | 20.40 | 427.92 | 4279.17 |
| 39 | 2027-08 | 446.46 | 18.54 | 427.92 | 3851.25 |
| 40 | 2027-09 | 444.61 | 16.69 | 427.92 | 3423.33 |
| 41 | 2027-10 | 442.75 | 14.83 | 427.92 | 2995.42 |
| 42 | 2027-11 | 440.90 | 12.98 | 427.92 | 2567.50 |
| 43 | 2027-12 | 439.04 | 11.13 | 427.92 | 2139.58 |
| 44 | 2028-01 | 437.19 | 9.27 | 427.92 | 1711.67 |
| 45 | 2028-02 | 435.33 | 7.42 | 427.92 | 1283.75 |
| 46 | 2028-03 | 433.48 | 5.56 | 427.92 | 855.83 |
| 47 | 2028-04 | 431.63 | 3.71 | 427.92 | 427.92 |
| 48 | 2028-05 | 429.77 | 1.85 | 427.92 | 0.00 |