贷款9.36万（商业贷款）房贷，还款3年4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：9.36万
还款月数：3年4个月
每月还款：2475.2元
利息总额：5372.89元
本息合计：9.9万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2029-01 | 2475.20 | 257.50 | 2217.71 | 91417.52 |
| 2 | 2029-02 | 2475.20 | 251.40 | 2223.80 | 89193.72 |
| 3 | 2029-03 | 2475.20 | 245.28 | 2229.92 | 86963.80 |
| 4 | 2029-04 | 2475.20 | 239.15 | 2236.05 | 84727.75 |
| 5 | 2029-05 | 2475.20 | 233.00 | 2242.20 | 82485.54 |
| 6 | 2029-06 | 2475.20 | 226.84 | 2248.37 | 80237.18 |
| 7 | 2029-07 | 2475.20 | 220.65 | 2254.55 | 77982.63 |
| 8 | 2029-08 | 2475.20 | 214.45 | 2260.75 | 75721.87 |
| 9 | 2029-09 | 2475.20 | 208.24 | 2266.97 | 73454.91 |
| 10 | 2029-10 | 2475.20 | 202.00 | 2273.20 | 71181.70 |
| 11 | 2029-11 | 2475.20 | 195.75 | 2279.45 | 68902.25 |
| 12 | 2029-12 | 2475.20 | 189.48 | 2285.72 | 66616.53 |
| 13 | 2030-01 | 2475.20 | 183.20 | 2292.01 | 64324.52 |
| 14 | 2030-02 | 2475.20 | 176.89 | 2298.31 | 62026.21 |
| 15 | 2030-03 | 2475.20 | 170.57 | 2304.63 | 59721.58 |
| 16 | 2030-04 | 2475.20 | 164.23 | 2310.97 | 57410.61 |
| 17 | 2030-05 | 2475.20 | 157.88 | 2317.32 | 55093.29 |
| 18 | 2030-06 | 2475.20 | 151.51 | 2323.70 | 52769.59 |
| 19 | 2030-07 | 2475.20 | 145.12 | 2330.09 | 50439.50 |
| 20 | 2030-08 | 2475.20 | 138.71 | 2336.49 | 48103.01 |
| 21 | 2030-09 | 2475.20 | 132.28 | 2342.92 | 45760.09 |
| 22 | 2030-10 | 2475.20 | 125.84 | 2349.36 | 43410.73 |
| 23 | 2030-11 | 2475.20 | 119.38 | 2355.82 | 41054.90 |
| 24 | 2030-12 | 2475.20 | 112.90 | 2362.30 | 38692.60 |
| 25 | 2031-01 | 2475.20 | 106.40 | 2368.80 | 36323.80 |
| 26 | 2031-02 | 2475.20 | 99.89 | 2375.31 | 33948.49 |
| 27 | 2031-03 | 2475.20 | 93.36 | 2381.84 | 31566.64 |
| 28 | 2031-04 | 2475.20 | 86.81 | 2388.39 | 29178.25 |
| 29 | 2031-05 | 2475.20 | 80.24 | 2394.96 | 26783.29 |
| 30 | 2031-06 | 2475.20 | 73.65 | 2401.55 | 24381.74 |
| 31 | 2031-07 | 2475.20 | 67.05 | 2408.15 | 21973.58 |
| 32 | 2031-08 | 2475.20 | 60.43 | 2414.78 | 19558.81 |
| 33 | 2031-09 | 2475.20 | 53.79 | 2421.42 | 17137.39 |
| 34 | 2031-10 | 2475.20 | 47.13 | 2428.08 | 14709.32 |
| 35 | 2031-11 | 2475.20 | 40.45 | 2434.75 | 12274.56 |
| 36 | 2031-12 | 2475.20 | 33.76 | 2441.45 | 9833.12 |
| 37 | 2032-01 | 2475.20 | 27.04 | 2448.16 | 7384.95 |
| 38 | 2032-02 | 2475.20 | 20.31 | 2454.89 | 4930.06 |
| 39 | 2032-03 | 2475.20 | 13.56 | 2461.65 | 2468.41 |
| 40 | 2032-04 | 2475.20 | 6.79 | 2468.41 | 0.00 |
等额本金还款方式：
贷款总额：9.36万
还款月数：3年4个月
首月还款：2598.38元
每月递减：6.44元
利息总额：5278.69元
本息合计：9.89万
节省利息：94.21元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2029-01 | 2598.38 | 257.50 | 2340.88 | 91294.35 |
| 2 | 2029-02 | 2591.94 | 251.06 | 2340.88 | 88953.47 |
| 3 | 2029-03 | 2585.50 | 244.62 | 2340.88 | 86612.59 |
| 4 | 2029-04 | 2579.07 | 238.18 | 2340.88 | 84271.71 |
| 5 | 2029-05 | 2572.63 | 231.75 | 2340.88 | 81930.83 |
| 6 | 2029-06 | 2566.19 | 225.31 | 2340.88 | 79589.95 |
| 7 | 2029-07 | 2559.75 | 218.87 | 2340.88 | 77249.06 |
| 8 | 2029-08 | 2553.32 | 212.43 | 2340.88 | 74908.18 |
| 9 | 2029-09 | 2546.88 | 206.00 | 2340.88 | 72567.30 |
| 10 | 2029-10 | 2540.44 | 199.56 | 2340.88 | 70226.42 |
| 11 | 2029-11 | 2534.00 | 193.12 | 2340.88 | 67885.54 |
| 12 | 2029-12 | 2527.57 | 186.69 | 2340.88 | 65544.66 |
| 13 | 2030-01 | 2521.13 | 180.25 | 2340.88 | 63203.78 |
| 14 | 2030-02 | 2514.69 | 173.81 | 2340.88 | 60862.90 |
| 15 | 2030-03 | 2508.25 | 167.37 | 2340.88 | 58522.02 |
| 16 | 2030-04 | 2501.82 | 160.94 | 2340.88 | 56181.14 |
| 17 | 2030-05 | 2495.38 | 154.50 | 2340.88 | 53840.26 |
| 18 | 2030-06 | 2488.94 | 148.06 | 2340.88 | 51499.38 |
| 19 | 2030-07 | 2482.50 | 141.62 | 2340.88 | 49158.50 |
| 20 | 2030-08 | 2476.07 | 135.19 | 2340.88 | 46817.61 |
| 21 | 2030-09 | 2469.63 | 128.75 | 2340.88 | 44476.73 |
| 22 | 2030-10 | 2463.19 | 122.31 | 2340.88 | 42135.85 |
| 23 | 2030-11 | 2456.75 | 115.87 | 2340.88 | 39794.97 |
| 24 | 2030-12 | 2450.32 | 109.44 | 2340.88 | 37454.09 |
| 25 | 2031-01 | 2443.88 | 103.00 | 2340.88 | 35113.21 |
| 26 | 2031-02 | 2437.44 | 96.56 | 2340.88 | 32772.33 |
| 27 | 2031-03 | 2431.00 | 90.12 | 2340.88 | 30431.45 |
| 28 | 2031-04 | 2424.57 | 83.69 | 2340.88 | 28090.57 |
| 29 | 2031-05 | 2418.13 | 77.25 | 2340.88 | 25749.69 |
| 30 | 2031-06 | 2411.69 | 70.81 | 2340.88 | 23408.81 |
| 31 | 2031-07 | 2405.25 | 64.37 | 2340.88 | 21067.93 |
| 32 | 2031-08 | 2398.82 | 57.94 | 2340.88 | 18727.05 |
| 33 | 2031-09 | 2392.38 | 51.50 | 2340.88 | 16386.17 |
| 34 | 2031-10 | 2385.94 | 45.06 | 2340.88 | 14045.28 |
| 35 | 2031-11 | 2379.51 | 38.62 | 2340.88 | 11704.40 |
| 36 | 2031-12 | 2373.07 | 32.19 | 2340.88 | 9363.52 |
| 37 | 2032-01 | 2366.63 | 25.75 | 2340.88 | 7022.64 |
| 38 | 2032-02 | 2360.19 | 19.31 | 2340.88 | 4681.76 |
| 39 | 2032-03 | 2353.76 | 12.87 | 2340.88 | 2340.88 |
| 40 | 2032-04 | 2347.32 | 6.44 | 2340.88 | 0.00 |