贷款380万（商业贷款）房贷，还款2年6个月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：380万
还款月数：2年6个月
每月还款：133823.55元
利息总额：21.47万
本息合计：401.47万
| 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 | 133823.55 | 13616.67 | 120206.88 | 3679793.12 |
| 2 | 2025-06 | 133823.55 | 13185.93 | 120637.63 | 3559155.49 |
| 3 | 2025-07 | 133823.55 | 12753.64 | 121069.91 | 3438085.58 |
| 4 | 2025-08 | 133823.55 | 12319.81 | 121503.74 | 3316581.84 |
| 5 | 2025-09 | 133823.55 | 11884.42 | 121939.13 | 3194642.71 |
| 6 | 2025-10 | 133823.55 | 11447.47 | 122376.08 | 3072266.62 |
| 7 | 2025-11 | 133823.55 | 11008.96 | 122814.59 | 2949452.03 |
| 8 | 2025-12 | 133823.55 | 10568.87 | 123254.68 | 2826197.35 |
| 9 | 2026-01 | 133823.55 | 10127.21 | 123696.34 | 2702501.01 |
| 10 | 2026-02 | 133823.55 | 9683.96 | 124139.59 | 2578361.42 |
| 11 | 2026-03 | 133823.55 | 9239.13 | 124584.42 | 2453777.00 |
| 12 | 2026-04 | 133823.55 | 8792.70 | 125030.85 | 2328746.15 |
| 13 | 2026-05 | 133823.55 | 8344.67 | 125478.88 | 2203267.27 |
| 14 | 2026-06 | 133823.55 | 7895.04 | 125928.51 | 2077338.76 |
| 15 | 2026-07 | 133823.55 | 7443.80 | 126379.75 | 1950959.01 |
| 16 | 2026-08 | 133823.55 | 6990.94 | 126832.61 | 1824126.39 |
| 17 | 2026-09 | 133823.55 | 6536.45 | 127287.10 | 1696839.30 |
| 18 | 2026-10 | 133823.55 | 6080.34 | 127743.21 | 1569096.09 |
| 19 | 2026-11 | 133823.55 | 5622.59 | 128200.96 | 1440895.13 |
| 20 | 2026-12 | 133823.55 | 5163.21 | 128660.34 | 1312234.79 |
| 21 | 2027-01 | 133823.55 | 4702.17 | 129121.38 | 1183113.41 |
| 22 | 2027-02 | 133823.55 | 4239.49 | 129584.06 | 1053529.35 |
| 23 | 2027-03 | 133823.55 | 3775.15 | 130048.40 | 923480.95 |
| 24 | 2027-04 | 133823.55 | 3309.14 | 130514.41 | 792966.54 |
| 25 | 2027-05 | 133823.55 | 2841.46 | 130982.09 | 661984.45 |
| 26 | 2027-06 | 133823.55 | 2372.11 | 131451.44 | 530533.01 |
| 27 | 2027-07 | 133823.55 | 1901.08 | 131922.47 | 398610.54 |
| 28 | 2027-08 | 133823.55 | 1428.35 | 132395.20 | 266215.34 |
| 29 | 2027-09 | 133823.55 | 953.94 | 132869.61 | 133345.73 |
| 30 | 2027-10 | 133823.55 | 477.82 | 133345.73 | 0.00 |
等额本金还款方式：
贷款总额：380万
还款月数：2年6个月
首月还款：140283.33元
每月递减：453.89元
利息总额：21.11万
本息合计：401.11万
节省利息：3648.18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 | 140283.33 | 13616.67 | 126666.67 | 3673333.33 |
| 2 | 2025-06 | 139829.44 | 13162.78 | 126666.67 | 3546666.67 |
| 3 | 2025-07 | 139375.56 | 12708.89 | 126666.67 | 3420000.00 |
| 4 | 2025-08 | 138921.67 | 12255.00 | 126666.67 | 3293333.33 |
| 5 | 2025-09 | 138467.78 | 11801.11 | 126666.67 | 3166666.67 |
| 6 | 2025-10 | 138013.89 | 11347.22 | 126666.67 | 3040000.00 |
| 7 | 2025-11 | 137560.00 | 10893.33 | 126666.67 | 2913333.33 |
| 8 | 2025-12 | 137106.11 | 10439.44 | 126666.67 | 2786666.67 |
| 9 | 2026-01 | 136652.22 | 9985.56 | 126666.67 | 2660000.00 |
| 10 | 2026-02 | 136198.33 | 9531.67 | 126666.67 | 2533333.33 |
| 11 | 2026-03 | 135744.44 | 9077.78 | 126666.67 | 2406666.67 |
| 12 | 2026-04 | 135290.56 | 8623.89 | 126666.67 | 2280000.00 |
| 13 | 2026-05 | 134836.67 | 8170.00 | 126666.67 | 2153333.33 |
| 14 | 2026-06 | 134382.78 | 7716.11 | 126666.67 | 2026666.67 |
| 15 | 2026-07 | 133928.89 | 7262.22 | 126666.67 | 1900000.00 |
| 16 | 2026-08 | 133475.00 | 6808.33 | 126666.67 | 1773333.33 |
| 17 | 2026-09 | 133021.11 | 6354.44 | 126666.67 | 1646666.67 |
| 18 | 2026-10 | 132567.22 | 5900.56 | 126666.67 | 1520000.00 |
| 19 | 2026-11 | 132113.33 | 5446.67 | 126666.67 | 1393333.33 |
| 20 | 2026-12 | 131659.44 | 4992.78 | 126666.67 | 1266666.67 |
| 21 | 2027-01 | 131205.56 | 4538.89 | 126666.67 | 1140000.00 |
| 22 | 2027-02 | 130751.67 | 4085.00 | 126666.67 | 1013333.33 |
| 23 | 2027-03 | 130297.78 | 3631.11 | 126666.67 | 886666.67 |
| 24 | 2027-04 | 129843.89 | 3177.22 | 126666.67 | 760000.00 |
| 25 | 2027-05 | 129390.00 | 2723.33 | 126666.67 | 633333.33 |
| 26 | 2027-06 | 128936.11 | 2269.44 | 126666.67 | 506666.67 |
| 27 | 2027-07 | 128482.22 | 1815.56 | 126666.67 | 380000.00 |
| 28 | 2027-08 | 128028.33 | 1361.67 | 126666.67 | 253333.33 |
| 29 | 2027-09 | 127574.44 | 907.78 | 126666.67 | 126666.67 |
| 30 | 2027-10 | 127120.56 | 453.89 | 126666.67 | 0.00 |