贷款3.5万（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：3.5万
还款月数：3年
每月还款：1022.48元
利息总额：1809.15元
本息合计：3.68万
| 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 | 1022.48 | 96.25 | 926.23 | 34073.77 |
| 2 | 2025-06 | 1022.48 | 93.70 | 928.77 | 33145.00 |
| 3 | 2025-07 | 1022.48 | 91.15 | 931.33 | 32213.67 |
| 4 | 2025-08 | 1022.48 | 88.59 | 933.89 | 31279.78 |
| 5 | 2025-09 | 1022.48 | 86.02 | 936.46 | 30343.33 |
| 6 | 2025-10 | 1022.48 | 83.44 | 939.03 | 29404.30 |
| 7 | 2025-11 | 1022.48 | 80.86 | 941.61 | 28462.68 |
| 8 | 2025-12 | 1022.48 | 78.27 | 944.20 | 27518.48 |
| 9 | 2026-01 | 1022.48 | 75.68 | 946.80 | 26571.68 |
| 10 | 2026-02 | 1022.48 | 73.07 | 949.40 | 25622.27 |
| 11 | 2026-03 | 1022.48 | 70.46 | 952.02 | 24670.26 |
| 12 | 2026-04 | 1022.48 | 67.84 | 954.63 | 23715.62 |
| 13 | 2026-05 | 1022.48 | 65.22 | 957.26 | 22758.37 |
| 14 | 2026-06 | 1022.48 | 62.59 | 959.89 | 21798.48 |
| 15 | 2026-07 | 1022.48 | 59.95 | 962.53 | 20835.94 |
| 16 | 2026-08 | 1022.48 | 57.30 | 965.18 | 19870.77 |
| 17 | 2026-09 | 1022.48 | 54.64 | 967.83 | 18902.94 |
| 18 | 2026-10 | 1022.48 | 51.98 | 970.49 | 17932.44 |
| 19 | 2026-11 | 1022.48 | 49.31 | 973.16 | 16959.28 |
| 20 | 2026-12 | 1022.48 | 46.64 | 975.84 | 15983.44 |
| 21 | 2027-01 | 1022.48 | 43.95 | 978.52 | 15004.92 |
| 22 | 2027-02 | 1022.48 | 41.26 | 981.21 | 14023.71 |
| 23 | 2027-03 | 1022.48 | 38.57 | 983.91 | 13039.80 |
| 24 | 2027-04 | 1022.48 | 35.86 | 986.62 | 12053.18 |
| 25 | 2027-05 | 1022.48 | 33.15 | 989.33 | 11063.85 |
| 26 | 2027-06 | 1022.48 | 30.43 | 992.05 | 10071.80 |
| 27 | 2027-07 | 1022.48 | 27.70 | 994.78 | 9077.02 |
| 28 | 2027-08 | 1022.48 | 24.96 | 997.51 | 8079.51 |
| 29 | 2027-09 | 1022.48 | 22.22 | 1000.26 | 7079.25 |
| 30 | 2027-10 | 1022.48 | 19.47 | 1003.01 | 6076.24 |
| 31 | 2027-11 | 1022.48 | 16.71 | 1005.77 | 5070.47 |
| 32 | 2027-12 | 1022.48 | 13.94 | 1008.53 | 4061.94 |
| 33 | 2028-01 | 1022.48 | 11.17 | 1011.31 | 3050.63 |
| 34 | 2028-02 | 1022.48 | 8.39 | 1014.09 | 2036.55 |
| 35 | 2028-03 | 1022.48 | 5.60 | 1016.88 | 1019.67 |
| 36 | 2028-04 | 1022.48 | 2.80 | 1019.67 | 0.00 |
等额本金还款方式：
贷款总额：3.5万
还款月数：3年
首月还款：1068.47元
每月递减：2.67元
利息总额：1780.63元
本息合计：3.68万
节省利息：28.52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 | 1068.47 | 96.25 | 972.22 | 34027.78 |
| 2 | 2025-06 | 1065.80 | 93.58 | 972.22 | 33055.56 |
| 3 | 2025-07 | 1063.13 | 90.90 | 972.22 | 32083.33 |
| 4 | 2025-08 | 1060.45 | 88.23 | 972.22 | 31111.11 |
| 5 | 2025-09 | 1057.78 | 85.56 | 972.22 | 30138.89 |
| 6 | 2025-10 | 1055.10 | 82.88 | 972.22 | 29166.67 |
| 7 | 2025-11 | 1052.43 | 80.21 | 972.22 | 28194.44 |
| 8 | 2025-12 | 1049.76 | 77.53 | 972.22 | 27222.22 |
| 9 | 2026-01 | 1047.08 | 74.86 | 972.22 | 26250.00 |
| 10 | 2026-02 | 1044.41 | 72.19 | 972.22 | 25277.78 |
| 11 | 2026-03 | 1041.74 | 69.51 | 972.22 | 24305.56 |
| 12 | 2026-04 | 1039.06 | 66.84 | 972.22 | 23333.33 |
| 13 | 2026-05 | 1036.39 | 64.17 | 972.22 | 22361.11 |
| 14 | 2026-06 | 1033.72 | 61.49 | 972.22 | 21388.89 |
| 15 | 2026-07 | 1031.04 | 58.82 | 972.22 | 20416.67 |
| 16 | 2026-08 | 1028.37 | 56.15 | 972.22 | 19444.44 |
| 17 | 2026-09 | 1025.69 | 53.47 | 972.22 | 18472.22 |
| 18 | 2026-10 | 1023.02 | 50.80 | 972.22 | 17500.00 |
| 19 | 2026-11 | 1020.35 | 48.13 | 972.22 | 16527.78 |
| 20 | 2026-12 | 1017.67 | 45.45 | 972.22 | 15555.56 |
| 21 | 2027-01 | 1015.00 | 42.78 | 972.22 | 14583.33 |
| 22 | 2027-02 | 1012.33 | 40.10 | 972.22 | 13611.11 |
| 23 | 2027-03 | 1009.65 | 37.43 | 972.22 | 12638.89 |
| 24 | 2027-04 | 1006.98 | 34.76 | 972.22 | 11666.67 |
| 25 | 2027-05 | 1004.31 | 32.08 | 972.22 | 10694.44 |
| 26 | 2027-06 | 1001.63 | 29.41 | 972.22 | 9722.22 |
| 27 | 2027-07 | 998.96 | 26.74 | 972.22 | 8750.00 |
| 28 | 2027-08 | 996.28 | 24.06 | 972.22 | 7777.78 |
| 29 | 2027-09 | 993.61 | 21.39 | 972.22 | 6805.56 |
| 30 | 2027-10 | 990.94 | 18.72 | 972.22 | 5833.33 |
| 31 | 2027-11 | 988.26 | 16.04 | 972.22 | 4861.11 |
| 32 | 2027-12 | 985.59 | 13.37 | 972.22 | 3888.89 |
| 33 | 2028-01 | 982.92 | 10.69 | 972.22 | 2916.67 |
| 34 | 2028-02 | 980.24 | 8.02 | 972.22 | 1944.44 |
| 35 | 2028-03 | 977.57 | 5.35 | 972.22 | 972.22 |
| 36 | 2028-04 | 974.90 | 2.67 | 972.22 | 0.00 |