贷款4万（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：4万
还款月数：4年
每月还款：885.37元
利息总额：2497.91元
本息合计：4.25万
| 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 | 885.37 | 100.00 | 785.37 | 39214.63 |
| 2 | 2025-06 | 885.37 | 98.04 | 787.34 | 38427.29 |
| 3 | 2025-07 | 885.37 | 96.07 | 789.30 | 37637.99 |
| 4 | 2025-08 | 885.37 | 94.09 | 791.28 | 36846.71 |
| 5 | 2025-09 | 885.37 | 92.12 | 793.26 | 36053.45 |
| 6 | 2025-10 | 885.37 | 90.13 | 795.24 | 35258.21 |
| 7 | 2025-11 | 885.37 | 88.15 | 797.23 | 34460.98 |
| 8 | 2025-12 | 885.37 | 86.15 | 799.22 | 33661.76 |
| 9 | 2026-01 | 885.37 | 84.15 | 801.22 | 32860.54 |
| 10 | 2026-02 | 885.37 | 82.15 | 803.22 | 32057.32 |
| 11 | 2026-03 | 885.37 | 80.14 | 805.23 | 31252.09 |
| 12 | 2026-04 | 885.37 | 78.13 | 807.24 | 30444.85 |
| 13 | 2026-05 | 885.37 | 76.11 | 809.26 | 29635.59 |
| 14 | 2026-06 | 885.37 | 74.09 | 811.28 | 28824.31 |
| 15 | 2026-07 | 885.37 | 72.06 | 813.31 | 28010.99 |
| 16 | 2026-08 | 885.37 | 70.03 | 815.35 | 27195.65 |
| 17 | 2026-09 | 885.37 | 67.99 | 817.38 | 26378.26 |
| 18 | 2026-10 | 885.37 | 65.95 | 819.43 | 25558.84 |
| 19 | 2026-11 | 885.37 | 63.90 | 821.48 | 24737.36 |
| 20 | 2026-12 | 885.37 | 61.84 | 823.53 | 23913.83 |
| 21 | 2027-01 | 885.37 | 59.78 | 825.59 | 23088.24 |
| 22 | 2027-02 | 885.37 | 57.72 | 827.65 | 22260.59 |
| 23 | 2027-03 | 885.37 | 55.65 | 829.72 | 21430.87 |
| 24 | 2027-04 | 885.37 | 53.58 | 831.80 | 20599.07 |
| 25 | 2027-05 | 885.37 | 51.50 | 833.88 | 19765.20 |
| 26 | 2027-06 | 885.37 | 49.41 | 835.96 | 18929.24 |
| 27 | 2027-07 | 885.37 | 47.32 | 838.05 | 18091.19 |
| 28 | 2027-08 | 885.37 | 45.23 | 840.15 | 17251.04 |
| 29 | 2027-09 | 885.37 | 43.13 | 842.25 | 16408.80 |
| 30 | 2027-10 | 885.37 | 41.02 | 844.35 | 15564.44 |
| 31 | 2027-11 | 885.37 | 38.91 | 846.46 | 14717.98 |
| 32 | 2027-12 | 885.37 | 36.79 | 848.58 | 13869.40 |
| 33 | 2028-01 | 885.37 | 34.67 | 850.70 | 13018.71 |
| 34 | 2028-02 | 885.37 | 32.55 | 852.83 | 12165.88 |
| 35 | 2028-03 | 885.37 | 30.41 | 854.96 | 11310.92 |
| 36 | 2028-04 | 885.37 | 28.28 | 857.10 | 10453.82 |
| 37 | 2028-05 | 885.37 | 26.13 | 859.24 | 9594.59 |
| 38 | 2028-06 | 885.37 | 23.99 | 861.39 | 8733.20 |
| 39 | 2028-07 | 885.37 | 21.83 | 863.54 | 7869.66 |
| 40 | 2028-08 | 885.37 | 19.67 | 865.70 | 7003.96 |
| 41 | 2028-09 | 885.37 | 17.51 | 867.86 | 6136.10 |
| 42 | 2028-10 | 885.37 | 15.34 | 870.03 | 5266.06 |
| 43 | 2028-11 | 885.37 | 13.17 | 872.21 | 4393.86 |
| 44 | 2028-12 | 885.37 | 10.98 | 874.39 | 3519.47 |
| 45 | 2029-01 | 885.37 | 8.80 | 876.57 | 2642.89 |
| 46 | 2029-02 | 885.37 | 6.61 | 878.77 | 1764.13 |
| 47 | 2029-03 | 885.37 | 4.41 | 880.96 | 883.17 |
| 48 | 2029-04 | 885.37 | 2.21 | 883.17 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：4年
首月还款：933.33元
每月递减：2.08元
利息总额：2450元
本息合计：4.25万
节省利息：47.91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 | 933.33 | 100.00 | 833.33 | 39166.67 |
| 2 | 2025-06 | 931.25 | 97.92 | 833.33 | 38333.33 |
| 3 | 2025-07 | 929.17 | 95.83 | 833.33 | 37500.00 |
| 4 | 2025-08 | 927.08 | 93.75 | 833.33 | 36666.67 |
| 5 | 2025-09 | 925.00 | 91.67 | 833.33 | 35833.33 |
| 6 | 2025-10 | 922.92 | 89.58 | 833.33 | 35000.00 |
| 7 | 2025-11 | 920.83 | 87.50 | 833.33 | 34166.67 |
| 8 | 2025-12 | 918.75 | 85.42 | 833.33 | 33333.33 |
| 9 | 2026-01 | 916.67 | 83.33 | 833.33 | 32500.00 |
| 10 | 2026-02 | 914.58 | 81.25 | 833.33 | 31666.67 |
| 11 | 2026-03 | 912.50 | 79.17 | 833.33 | 30833.33 |
| 12 | 2026-04 | 910.42 | 77.08 | 833.33 | 30000.00 |
| 13 | 2026-05 | 908.33 | 75.00 | 833.33 | 29166.67 |
| 14 | 2026-06 | 906.25 | 72.92 | 833.33 | 28333.33 |
| 15 | 2026-07 | 904.17 | 70.83 | 833.33 | 27500.00 |
| 16 | 2026-08 | 902.08 | 68.75 | 833.33 | 26666.67 |
| 17 | 2026-09 | 900.00 | 66.67 | 833.33 | 25833.33 |
| 18 | 2026-10 | 897.92 | 64.58 | 833.33 | 25000.00 |
| 19 | 2026-11 | 895.83 | 62.50 | 833.33 | 24166.67 |
| 20 | 2026-12 | 893.75 | 60.42 | 833.33 | 23333.33 |
| 21 | 2027-01 | 891.67 | 58.33 | 833.33 | 22500.00 |
| 22 | 2027-02 | 889.58 | 56.25 | 833.33 | 21666.67 |
| 23 | 2027-03 | 887.50 | 54.17 | 833.33 | 20833.33 |
| 24 | 2027-04 | 885.42 | 52.08 | 833.33 | 20000.00 |
| 25 | 2027-05 | 883.33 | 50.00 | 833.33 | 19166.67 |
| 26 | 2027-06 | 881.25 | 47.92 | 833.33 | 18333.33 |
| 27 | 2027-07 | 879.17 | 45.83 | 833.33 | 17500.00 |
| 28 | 2027-08 | 877.08 | 43.75 | 833.33 | 16666.67 |
| 29 | 2027-09 | 875.00 | 41.67 | 833.33 | 15833.33 |
| 30 | 2027-10 | 872.92 | 39.58 | 833.33 | 15000.00 |
| 31 | 2027-11 | 870.83 | 37.50 | 833.33 | 14166.67 |
| 32 | 2027-12 | 868.75 | 35.42 | 833.33 | 13333.33 |
| 33 | 2028-01 | 866.67 | 33.33 | 833.33 | 12500.00 |
| 34 | 2028-02 | 864.58 | 31.25 | 833.33 | 11666.67 |
| 35 | 2028-03 | 862.50 | 29.17 | 833.33 | 10833.33 |
| 36 | 2028-04 | 860.42 | 27.08 | 833.33 | 10000.00 |
| 37 | 2028-05 | 858.33 | 25.00 | 833.33 | 9166.67 |
| 38 | 2028-06 | 856.25 | 22.92 | 833.33 | 8333.33 |
| 39 | 2028-07 | 854.17 | 20.83 | 833.33 | 7500.00 |
| 40 | 2028-08 | 852.08 | 18.75 | 833.33 | 6666.67 |
| 41 | 2028-09 | 850.00 | 16.67 | 833.33 | 5833.33 |
| 42 | 2028-10 | 847.92 | 14.58 | 833.33 | 5000.00 |
| 43 | 2028-11 | 845.83 | 12.50 | 833.33 | 4166.67 |
| 44 | 2028-12 | 843.75 | 10.42 | 833.33 | 3333.33 |
| 45 | 2029-01 | 841.67 | 8.33 | 833.33 | 2500.00 |
| 46 | 2029-02 | 839.58 | 6.25 | 833.33 | 1666.67 |
| 47 | 2029-03 | 837.50 | 4.17 | 833.33 | 833.33 |
| 48 | 2029-04 | 835.42 | 2.08 | 833.33 | 0.00 |