北京贷款45万（商业贷款）房贷，还款5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：45万
还款月数：5年
每月还款：8065.93元
利息总额：3.4万
本息合计：48.4万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 8065.93 | 1087.50 | 6978.43 | 443021.57 |
| 2 | 2025-08 | 8065.93 | 1070.64 | 6995.29 | 436026.28 |
| 3 | 2025-09 | 8065.93 | 1053.73 | 7012.20 | 429014.08 |
| 4 | 2025-10 | 8065.93 | 1036.78 | 7029.15 | 421984.93 |
| 5 | 2025-11 | 8065.93 | 1019.80 | 7046.13 | 414938.80 |
| 6 | 2025-12 | 8065.93 | 1002.77 | 7063.16 | 407875.64 |
| 7 | 2026-01 | 8065.93 | 985.70 | 7080.23 | 400795.41 |
| 8 | 2026-02 | 8065.93 | 968.59 | 7097.34 | 393698.07 |
| 9 | 2026-03 | 8065.93 | 951.44 | 7114.49 | 386583.58 |
| 10 | 2026-04 | 8065.93 | 934.24 | 7131.69 | 379451.89 |
| 11 | 2026-05 | 8065.93 | 917.01 | 7148.92 | 372302.97 |
| 12 | 2026-06 | 8065.93 | 899.73 | 7166.20 | 365136.78 |
| 13 | 2026-07 | 8065.93 | 882.41 | 7183.52 | 357953.26 |
| 14 | 2026-08 | 8065.93 | 865.05 | 7200.88 | 350752.39 |
| 15 | 2026-09 | 8065.93 | 847.65 | 7218.28 | 343534.11 |
| 16 | 2026-10 | 8065.93 | 830.21 | 7235.72 | 336298.39 |
| 17 | 2026-11 | 8065.93 | 812.72 | 7253.21 | 329045.18 |
| 18 | 2026-12 | 8065.93 | 795.19 | 7270.74 | 321774.44 |
| 19 | 2027-01 | 8065.93 | 777.62 | 7288.31 | 314486.14 |
| 20 | 2027-02 | 8065.93 | 760.01 | 7305.92 | 307180.21 |
| 21 | 2027-03 | 8065.93 | 742.35 | 7323.58 | 299856.64 |
| 22 | 2027-04 | 8065.93 | 724.65 | 7341.28 | 292515.36 |
| 23 | 2027-05 | 8065.93 | 706.91 | 7359.02 | 285156.35 |
| 24 | 2027-06 | 8065.93 | 689.13 | 7376.80 | 277779.54 |
| 25 | 2027-07 | 8065.93 | 671.30 | 7394.63 | 270384.92 |
| 26 | 2027-08 | 8065.93 | 653.43 | 7412.50 | 262972.42 |
| 27 | 2027-09 | 8065.93 | 635.52 | 7430.41 | 255542.00 |
| 28 | 2027-10 | 8065.93 | 617.56 | 7448.37 | 248093.64 |
| 29 | 2027-11 | 8065.93 | 599.56 | 7466.37 | 240627.27 |
| 30 | 2027-12 | 8065.93 | 581.52 | 7484.41 | 233142.85 |
| 31 | 2028-01 | 8065.93 | 563.43 | 7502.50 | 225640.35 |
| 32 | 2028-02 | 8065.93 | 545.30 | 7520.63 | 218119.72 |
| 33 | 2028-03 | 8065.93 | 527.12 | 7538.81 | 210580.91 |
| 34 | 2028-04 | 8065.93 | 508.90 | 7557.03 | 203023.89 |
| 35 | 2028-05 | 8065.93 | 490.64 | 7575.29 | 195448.60 |
| 36 | 2028-06 | 8065.93 | 472.33 | 7593.59 | 187855.01 |
| 37 | 2028-07 | 8065.93 | 453.98 | 7611.95 | 180243.06 |
| 38 | 2028-08 | 8065.93 | 435.59 | 7630.34 | 172612.72 |
| 39 | 2028-09 | 8065.93 | 417.15 | 7648.78 | 164963.94 |
| 40 | 2028-10 | 8065.93 | 398.66 | 7667.27 | 157296.67 |
| 41 | 2028-11 | 8065.93 | 380.13 | 7685.80 | 149610.88 |
| 42 | 2028-12 | 8065.93 | 361.56 | 7704.37 | 141906.51 |
| 43 | 2029-01 | 8065.93 | 342.94 | 7722.99 | 134183.52 |
| 44 | 2029-02 | 8065.93 | 324.28 | 7741.65 | 126441.87 |
| 45 | 2029-03 | 8065.93 | 305.57 | 7760.36 | 118681.50 |
| 46 | 2029-04 | 8065.93 | 286.81 | 7779.12 | 110902.39 |
| 47 | 2029-05 | 8065.93 | 268.01 | 7797.91 | 103104.47 |
| 48 | 2029-06 | 8065.93 | 249.17 | 7816.76 | 95287.71 |
| 49 | 2029-07 | 8065.93 | 230.28 | 7835.65 | 87452.06 |
| 50 | 2029-08 | 8065.93 | 211.34 | 7854.59 | 79597.48 |
| 51 | 2029-09 | 8065.93 | 192.36 | 7873.57 | 71723.91 |
| 52 | 2029-10 | 8065.93 | 173.33 | 7892.60 | 63831.31 |
| 53 | 2029-11 | 8065.93 | 154.26 | 7911.67 | 55919.64 |
| 54 | 2029-12 | 8065.93 | 135.14 | 7930.79 | 47988.85 |
| 55 | 2030-01 | 8065.93 | 115.97 | 7949.96 | 40038.90 |
| 56 | 2030-02 | 8065.93 | 96.76 | 7969.17 | 32069.73 |
| 57 | 2030-03 | 8065.93 | 77.50 | 7988.43 | 24081.30 |
| 58 | 2030-04 | 8065.93 | 58.20 | 8007.73 | 16073.57 |
| 59 | 2030-05 | 8065.93 | 38.84 | 8027.08 | 8046.48 |
| 60 | 2030-06 | 8065.93 | 19.45 | 8046.48 | 0.00 |
等额本金还款方式：
贷款总额：45万
还款月数：5年
首月还款：8587.5元
每月递减：18.12元
利息总额：3.32万
本息合计：48.32万
节省利息：786.99元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 8587.50 | 1087.50 | 7500.00 | 442500.00 |
| 2 | 2025-08 | 8569.38 | 1069.37 | 7500.00 | 435000.00 |
| 3 | 2025-09 | 8551.25 | 1051.25 | 7500.00 | 427500.00 |
| 4 | 2025-10 | 8533.13 | 1033.12 | 7500.00 | 420000.00 |
| 5 | 2025-11 | 8515.00 | 1015.00 | 7500.00 | 412500.00 |
| 6 | 2025-12 | 8496.88 | 996.87 | 7500.00 | 405000.00 |
| 7 | 2026-01 | 8478.75 | 978.75 | 7500.00 | 397500.00 |
| 8 | 2026-02 | 8460.63 | 960.62 | 7500.00 | 390000.00 |
| 9 | 2026-03 | 8442.50 | 942.50 | 7500.00 | 382500.00 |
| 10 | 2026-04 | 8424.38 | 924.37 | 7500.00 | 375000.00 |
| 11 | 2026-05 | 8406.25 | 906.25 | 7500.00 | 367500.00 |
| 12 | 2026-06 | 8388.13 | 888.12 | 7500.00 | 360000.00 |
| 13 | 2026-07 | 8370.00 | 870.00 | 7500.00 | 352500.00 |
| 14 | 2026-08 | 8351.88 | 851.87 | 7500.00 | 345000.00 |
| 15 | 2026-09 | 8333.75 | 833.75 | 7500.00 | 337500.00 |
| 16 | 2026-10 | 8315.63 | 815.62 | 7500.00 | 330000.00 |
| 17 | 2026-11 | 8297.50 | 797.50 | 7500.00 | 322500.00 |
| 18 | 2026-12 | 8279.38 | 779.37 | 7500.00 | 315000.00 |
| 19 | 2027-01 | 8261.25 | 761.25 | 7500.00 | 307500.00 |
| 20 | 2027-02 | 8243.13 | 743.12 | 7500.00 | 300000.00 |
| 21 | 2027-03 | 8225.00 | 725.00 | 7500.00 | 292500.00 |
| 22 | 2027-04 | 8206.88 | 706.87 | 7500.00 | 285000.00 |
| 23 | 2027-05 | 8188.75 | 688.75 | 7500.00 | 277500.00 |
| 24 | 2027-06 | 8170.63 | 670.62 | 7500.00 | 270000.00 |
| 25 | 2027-07 | 8152.50 | 652.50 | 7500.00 | 262500.00 |
| 26 | 2027-08 | 8134.38 | 634.37 | 7500.00 | 255000.00 |
| 27 | 2027-09 | 8116.25 | 616.25 | 7500.00 | 247500.00 |
| 28 | 2027-10 | 8098.13 | 598.12 | 7500.00 | 240000.00 |
| 29 | 2027-11 | 8080.00 | 580.00 | 7500.00 | 232500.00 |
| 30 | 2027-12 | 8061.88 | 561.87 | 7500.00 | 225000.00 |
| 31 | 2028-01 | 8043.75 | 543.75 | 7500.00 | 217500.00 |
| 32 | 2028-02 | 8025.63 | 525.62 | 7500.00 | 210000.00 |
| 33 | 2028-03 | 8007.50 | 507.50 | 7500.00 | 202500.00 |
| 34 | 2028-04 | 7989.38 | 489.37 | 7500.00 | 195000.00 |
| 35 | 2028-05 | 7971.25 | 471.25 | 7500.00 | 187500.00 |
| 36 | 2028-06 | 7953.13 | 453.12 | 7500.00 | 180000.00 |
| 37 | 2028-07 | 7935.00 | 435.00 | 7500.00 | 172500.00 |
| 38 | 2028-08 | 7916.88 | 416.87 | 7500.00 | 165000.00 |
| 39 | 2028-09 | 7898.75 | 398.75 | 7500.00 | 157500.00 |
| 40 | 2028-10 | 7880.63 | 380.62 | 7500.00 | 150000.00 |
| 41 | 2028-11 | 7862.50 | 362.50 | 7500.00 | 142500.00 |
| 42 | 2028-12 | 7844.38 | 344.37 | 7500.00 | 135000.00 |
| 43 | 2029-01 | 7826.25 | 326.25 | 7500.00 | 127500.00 |
| 44 | 2029-02 | 7808.13 | 308.12 | 7500.00 | 120000.00 |
| 45 | 2029-03 | 7790.00 | 290.00 | 7500.00 | 112500.00 |
| 46 | 2029-04 | 7771.88 | 271.87 | 7500.00 | 105000.00 |
| 47 | 2029-05 | 7753.75 | 253.75 | 7500.00 | 97500.00 |
| 48 | 2029-06 | 7735.63 | 235.62 | 7500.00 | 90000.00 |
| 49 | 2029-07 | 7717.50 | 217.50 | 7500.00 | 82500.00 |
| 50 | 2029-08 | 7699.38 | 199.37 | 7500.00 | 75000.00 |
| 51 | 2029-09 | 7681.25 | 181.25 | 7500.00 | 67500.00 |
| 52 | 2029-10 | 7663.13 | 163.12 | 7500.00 | 60000.00 |
| 53 | 2029-11 | 7645.00 | 145.00 | 7500.00 | 52500.00 |
| 54 | 2029-12 | 7626.88 | 126.87 | 7500.00 | 45000.00 |
| 55 | 2030-01 | 7608.75 | 108.75 | 7500.00 | 37500.00 |
| 56 | 2030-02 | 7590.63 | 90.62 | 7500.00 | 30000.00 |
| 57 | 2030-03 | 7572.50 | 72.50 | 7500.00 | 22500.00 |
| 58 | 2030-04 | 7554.38 | 54.37 | 7500.00 | 15000.00 |
| 59 | 2030-05 | 7536.25 | 36.25 | 7500.00 | 7500.00 |
| 60 | 2030-06 | 7518.13 | 18.12 | 7500.00 | 0.00 |