贷款9万（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：9万
还款月数：3年
每月还款：2665.17元
利息总额：5946.24元
本息合计：9.59万
| 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 | 2665.17 | 315.00 | 2350.17 | 87649.83 |
| 2 | 2025-06 | 2665.17 | 306.77 | 2358.40 | 85291.43 |
| 3 | 2025-07 | 2665.17 | 298.52 | 2366.65 | 82924.77 |
| 4 | 2025-08 | 2665.17 | 290.24 | 2374.94 | 80549.84 |
| 5 | 2025-09 | 2665.17 | 281.92 | 2383.25 | 78166.59 |
| 6 | 2025-10 | 2665.17 | 273.58 | 2391.59 | 75775.00 |
| 7 | 2025-11 | 2665.17 | 265.21 | 2399.96 | 73375.04 |
| 8 | 2025-12 | 2665.17 | 256.81 | 2408.36 | 70966.68 |
| 9 | 2026-01 | 2665.17 | 248.38 | 2416.79 | 68549.89 |
| 10 | 2026-02 | 2665.17 | 239.92 | 2425.25 | 66124.64 |
| 11 | 2026-03 | 2665.17 | 231.44 | 2433.74 | 63690.90 |
| 12 | 2026-04 | 2665.17 | 222.92 | 2442.26 | 61248.65 |
| 13 | 2026-05 | 2665.17 | 214.37 | 2450.80 | 58797.84 |
| 14 | 2026-06 | 2665.17 | 205.79 | 2459.38 | 56338.46 |
| 15 | 2026-07 | 2665.17 | 197.18 | 2467.99 | 53870.47 |
| 16 | 2026-08 | 2665.17 | 188.55 | 2476.63 | 51393.85 |
| 17 | 2026-09 | 2665.17 | 179.88 | 2485.29 | 48908.55 |
| 18 | 2026-10 | 2665.17 | 171.18 | 2493.99 | 46414.56 |
| 19 | 2026-11 | 2665.17 | 162.45 | 2502.72 | 43911.84 |
| 20 | 2026-12 | 2665.17 | 153.69 | 2511.48 | 41400.35 |
| 21 | 2027-01 | 2665.17 | 144.90 | 2520.27 | 38880.08 |
| 22 | 2027-02 | 2665.17 | 136.08 | 2529.09 | 36350.99 |
| 23 | 2027-03 | 2665.17 | 127.23 | 2537.94 | 33813.04 |
| 24 | 2027-04 | 2665.17 | 118.35 | 2546.83 | 31266.22 |
| 25 | 2027-05 | 2665.17 | 109.43 | 2555.74 | 28710.48 |
| 26 | 2027-06 | 2665.17 | 100.49 | 2564.69 | 26145.79 |
| 27 | 2027-07 | 2665.17 | 91.51 | 2573.66 | 23572.13 |
| 28 | 2027-08 | 2665.17 | 82.50 | 2582.67 | 20989.46 |
| 29 | 2027-09 | 2665.17 | 73.46 | 2591.71 | 18397.74 |
| 30 | 2027-10 | 2665.17 | 64.39 | 2600.78 | 15796.96 |
| 31 | 2027-11 | 2665.17 | 55.29 | 2609.88 | 13187.08 |
| 32 | 2027-12 | 2665.17 | 46.15 | 2619.02 | 10568.06 |
| 33 | 2028-01 | 2665.17 | 36.99 | 2628.19 | 7939.88 |
| 34 | 2028-02 | 2665.17 | 27.79 | 2637.38 | 5302.49 |
| 35 | 2028-03 | 2665.17 | 18.56 | 2646.61 | 2655.88 |
| 36 | 2028-04 | 2665.17 | 9.30 | 2655.88 | 0.00 |
等额本金还款方式：
贷款总额：9万
还款月数：3年
首月还款：2815元
每月递减：8.75元
利息总额：5827.5元
本息合计：9.58万
节省利息：118.74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 | 2815.00 | 315.00 | 2500.00 | 87500.00 |
| 2 | 2025-06 | 2806.25 | 306.25 | 2500.00 | 85000.00 |
| 3 | 2025-07 | 2797.50 | 297.50 | 2500.00 | 82500.00 |
| 4 | 2025-08 | 2788.75 | 288.75 | 2500.00 | 80000.00 |
| 5 | 2025-09 | 2780.00 | 280.00 | 2500.00 | 77500.00 |
| 6 | 2025-10 | 2771.25 | 271.25 | 2500.00 | 75000.00 |
| 7 | 2025-11 | 2762.50 | 262.50 | 2500.00 | 72500.00 |
| 8 | 2025-12 | 2753.75 | 253.75 | 2500.00 | 70000.00 |
| 9 | 2026-01 | 2745.00 | 245.00 | 2500.00 | 67500.00 |
| 10 | 2026-02 | 2736.25 | 236.25 | 2500.00 | 65000.00 |
| 11 | 2026-03 | 2727.50 | 227.50 | 2500.00 | 62500.00 |
| 12 | 2026-04 | 2718.75 | 218.75 | 2500.00 | 60000.00 |
| 13 | 2026-05 | 2710.00 | 210.00 | 2500.00 | 57500.00 |
| 14 | 2026-06 | 2701.25 | 201.25 | 2500.00 | 55000.00 |
| 15 | 2026-07 | 2692.50 | 192.50 | 2500.00 | 52500.00 |
| 16 | 2026-08 | 2683.75 | 183.75 | 2500.00 | 50000.00 |
| 17 | 2026-09 | 2675.00 | 175.00 | 2500.00 | 47500.00 |
| 18 | 2026-10 | 2666.25 | 166.25 | 2500.00 | 45000.00 |
| 19 | 2026-11 | 2657.50 | 157.50 | 2500.00 | 42500.00 |
| 20 | 2026-12 | 2648.75 | 148.75 | 2500.00 | 40000.00 |
| 21 | 2027-01 | 2640.00 | 140.00 | 2500.00 | 37500.00 |
| 22 | 2027-02 | 2631.25 | 131.25 | 2500.00 | 35000.00 |
| 23 | 2027-03 | 2622.50 | 122.50 | 2500.00 | 32500.00 |
| 24 | 2027-04 | 2613.75 | 113.75 | 2500.00 | 30000.00 |
| 25 | 2027-05 | 2605.00 | 105.00 | 2500.00 | 27500.00 |
| 26 | 2027-06 | 2596.25 | 96.25 | 2500.00 | 25000.00 |
| 27 | 2027-07 | 2587.50 | 87.50 | 2500.00 | 22500.00 |
| 28 | 2027-08 | 2578.75 | 78.75 | 2500.00 | 20000.00 |
| 29 | 2027-09 | 2570.00 | 70.00 | 2500.00 | 17500.00 |
| 30 | 2027-10 | 2561.25 | 61.25 | 2500.00 | 15000.00 |
| 31 | 2027-11 | 2552.50 | 52.50 | 2500.00 | 12500.00 |
| 32 | 2027-12 | 2543.75 | 43.75 | 2500.00 | 10000.00 |
| 33 | 2028-01 | 2535.00 | 35.00 | 2500.00 | 7500.00 |
| 34 | 2028-02 | 2526.25 | 26.25 | 2500.00 | 5000.00 |
| 35 | 2028-03 | 2517.50 | 17.50 | 2500.00 | 2500.00 |
| 36 | 2028-04 | 2508.75 | 8.75 | 2500.00 | 0.00 |