贷款3万（商业贷款）房贷，还款8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：3万
还款月数：8年4个月
每月还款：342.17元
利息总额：4217.31元
本息合计：3.42万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 342.17 | 80.00 | 262.17 | 29737.83 |
| 2 | 2025-07 | 342.17 | 79.30 | 262.87 | 29474.95 |
| 3 | 2025-08 | 342.17 | 78.60 | 263.57 | 29211.38 |
| 4 | 2025-09 | 342.17 | 77.90 | 264.28 | 28947.11 |
| 5 | 2025-10 | 342.17 | 77.19 | 264.98 | 28682.12 |
| 6 | 2025-11 | 342.17 | 76.49 | 265.69 | 28416.44 |
| 7 | 2025-12 | 342.17 | 75.78 | 266.40 | 28150.04 |
| 8 | 2026-01 | 342.17 | 75.07 | 267.11 | 27882.93 |
| 9 | 2026-02 | 342.17 | 74.35 | 267.82 | 27615.12 |
| 10 | 2026-03 | 342.17 | 73.64 | 268.53 | 27346.58 |
| 11 | 2026-04 | 342.17 | 72.92 | 269.25 | 27077.33 |
| 12 | 2026-05 | 342.17 | 72.21 | 269.97 | 26807.37 |
| 13 | 2026-06 | 342.17 | 71.49 | 270.69 | 26536.68 |
| 14 | 2026-07 | 342.17 | 70.76 | 271.41 | 26265.27 |
| 15 | 2026-08 | 342.17 | 70.04 | 272.13 | 25993.14 |
| 16 | 2026-09 | 342.17 | 69.32 | 272.86 | 25720.28 |
| 17 | 2026-10 | 342.17 | 68.59 | 273.59 | 25446.70 |
| 18 | 2026-11 | 342.17 | 67.86 | 274.32 | 25172.38 |
| 19 | 2026-12 | 342.17 | 67.13 | 275.05 | 24897.33 |
| 20 | 2027-01 | 342.17 | 66.39 | 275.78 | 24621.55 |
| 21 | 2027-02 | 342.17 | 65.66 | 276.52 | 24345.04 |
| 22 | 2027-03 | 342.17 | 64.92 | 277.25 | 24067.78 |
| 23 | 2027-04 | 342.17 | 64.18 | 277.99 | 23789.79 |
| 24 | 2027-05 | 342.17 | 63.44 | 278.73 | 23511.06 |
| 25 | 2027-06 | 342.17 | 62.70 | 279.48 | 23231.58 |
| 26 | 2027-07 | 342.17 | 61.95 | 280.22 | 22951.36 |
| 27 | 2027-08 | 342.17 | 61.20 | 280.97 | 22670.39 |
| 28 | 2027-09 | 342.17 | 60.45 | 281.72 | 22388.67 |
| 29 | 2027-10 | 342.17 | 59.70 | 282.47 | 22106.20 |
| 30 | 2027-11 | 342.17 | 58.95 | 283.22 | 21822.98 |
| 31 | 2027-12 | 342.17 | 58.19 | 283.98 | 21539.00 |
| 32 | 2028-01 | 342.17 | 57.44 | 284.74 | 21254.26 |
| 33 | 2028-02 | 342.17 | 56.68 | 285.50 | 20968.77 |
| 34 | 2028-03 | 342.17 | 55.92 | 286.26 | 20682.51 |
| 35 | 2028-04 | 342.17 | 55.15 | 287.02 | 20395.49 |
| 36 | 2028-05 | 342.17 | 54.39 | 287.79 | 20107.71 |
| 37 | 2028-06 | 342.17 | 53.62 | 288.55 | 19819.15 |
| 38 | 2028-07 | 342.17 | 52.85 | 289.32 | 19529.83 |
| 39 | 2028-08 | 342.17 | 52.08 | 290.09 | 19239.74 |
| 40 | 2028-09 | 342.17 | 51.31 | 290.87 | 18948.87 |
| 41 | 2028-10 | 342.17 | 50.53 | 291.64 | 18657.23 |
| 42 | 2028-11 | 342.17 | 49.75 | 292.42 | 18364.81 |
| 43 | 2028-12 | 342.17 | 48.97 | 293.20 | 18071.61 |
| 44 | 2029-01 | 342.17 | 48.19 | 293.98 | 17777.63 |
| 45 | 2029-02 | 342.17 | 47.41 | 294.77 | 17482.86 |
| 46 | 2029-03 | 342.17 | 46.62 | 295.55 | 17187.31 |
| 47 | 2029-04 | 342.17 | 45.83 | 296.34 | 16890.97 |
| 48 | 2029-05 | 342.17 | 45.04 | 297.13 | 16593.84 |
| 49 | 2029-06 | 342.17 | 44.25 | 297.92 | 16295.91 |
| 50 | 2029-07 | 342.17 | 43.46 | 298.72 | 15997.20 |
| 51 | 2029-08 | 342.17 | 42.66 | 299.51 | 15697.68 |
| 52 | 2029-09 | 342.17 | 41.86 | 300.31 | 15397.37 |
| 53 | 2029-10 | 342.17 | 41.06 | 301.11 | 15096.26 |
| 54 | 2029-11 | 342.17 | 40.26 | 301.92 | 14794.34 |
| 55 | 2029-12 | 342.17 | 39.45 | 302.72 | 14491.62 |
| 56 | 2030-01 | 342.17 | 38.64 | 303.53 | 14188.09 |
| 57 | 2030-02 | 342.17 | 37.83 | 304.34 | 13883.75 |
| 58 | 2030-03 | 342.17 | 37.02 | 305.15 | 13578.60 |
| 59 | 2030-04 | 342.17 | 36.21 | 305.96 | 13272.64 |
| 60 | 2030-05 | 342.17 | 35.39 | 306.78 | 12965.86 |
| 61 | 2030-06 | 342.17 | 34.58 | 307.60 | 12658.26 |
| 62 | 2030-07 | 342.17 | 33.76 | 308.42 | 12349.84 |
| 63 | 2030-08 | 342.17 | 32.93 | 309.24 | 12040.60 |
| 64 | 2030-09 | 342.17 | 32.11 | 310.06 | 11730.54 |
| 65 | 2030-10 | 342.17 | 31.28 | 310.89 | 11419.65 |
| 66 | 2030-11 | 342.17 | 30.45 | 311.72 | 11107.93 |
| 67 | 2030-12 | 342.17 | 29.62 | 312.55 | 10795.37 |
| 68 | 2031-01 | 342.17 | 28.79 | 313.39 | 10481.99 |
| 69 | 2031-02 | 342.17 | 27.95 | 314.22 | 10167.77 |
| 70 | 2031-03 | 342.17 | 27.11 | 315.06 | 9852.71 |
| 71 | 2031-04 | 342.17 | 26.27 | 315.90 | 9536.81 |
| 72 | 2031-05 | 342.17 | 25.43 | 316.74 | 9220.07 |
| 73 | 2031-06 | 342.17 | 24.59 | 317.59 | 8902.48 |
| 74 | 2031-07 | 342.17 | 23.74 | 318.43 | 8584.05 |
| 75 | 2031-08 | 342.17 | 22.89 | 319.28 | 8264.76 |
| 76 | 2031-09 | 342.17 | 22.04 | 320.13 | 7944.63 |
| 77 | 2031-10 | 342.17 | 21.19 | 320.99 | 7623.64 |
| 78 | 2031-11 | 342.17 | 20.33 | 321.84 | 7301.80 |
| 79 | 2031-12 | 342.17 | 19.47 | 322.70 | 6979.10 |
| 80 | 2032-01 | 342.17 | 18.61 | 323.56 | 6655.54 |
| 81 | 2032-02 | 342.17 | 17.75 | 324.43 | 6331.11 |
| 82 | 2032-03 | 342.17 | 16.88 | 325.29 | 6005.82 |
| 83 | 2032-04 | 342.17 | 16.02 | 326.16 | 5679.66 |
| 84 | 2032-05 | 342.17 | 15.15 | 327.03 | 5352.64 |
| 85 | 2032-06 | 342.17 | 14.27 | 327.90 | 5024.74 |
| 86 | 2032-07 | 342.17 | 13.40 | 328.77 | 4695.96 |
| 87 | 2032-08 | 342.17 | 12.52 | 329.65 | 4366.31 |
| 88 | 2032-09 | 342.17 | 11.64 | 330.53 | 4035.78 |
| 89 | 2032-10 | 342.17 | 10.76 | 331.41 | 3704.37 |
| 90 | 2032-11 | 342.17 | 9.88 | 332.29 | 3372.08 |
| 91 | 2032-12 | 342.17 | 8.99 | 333.18 | 3038.90 |
| 92 | 2033-01 | 342.17 | 8.10 | 334.07 | 2704.83 |
| 93 | 2033-02 | 342.17 | 7.21 | 334.96 | 2369.87 |
| 94 | 2033-03 | 342.17 | 6.32 | 335.85 | 2034.01 |
| 95 | 2033-04 | 342.17 | 5.42 | 336.75 | 1697.26 |
| 96 | 2033-05 | 342.17 | 4.53 | 337.65 | 1359.62 |
| 97 | 2033-06 | 342.17 | 3.63 | 338.55 | 1021.07 |
| 98 | 2033-07 | 342.17 | 2.72 | 339.45 | 681.62 |
| 99 | 2033-08 | 342.17 | 1.82 | 340.36 | 341.26 |
| 100 | 2033-09 | 342.17 | 0.91 | 341.26 | 0.00 |
等额本金还款方式：
贷款总额：3万
还款月数：8年4个月
首月还款：380元
每月递减：0.8元
利息总额：4040元
本息合计：3.4万
节省利息：177.31元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 380.00 | 80.00 | 300.00 | 29700.00 |
| 2 | 2025-07 | 379.20 | 79.20 | 300.00 | 29400.00 |
| 3 | 2025-08 | 378.40 | 78.40 | 300.00 | 29100.00 |
| 4 | 2025-09 | 377.60 | 77.60 | 300.00 | 28800.00 |
| 5 | 2025-10 | 376.80 | 76.80 | 300.00 | 28500.00 |
| 6 | 2025-11 | 376.00 | 76.00 | 300.00 | 28200.00 |
| 7 | 2025-12 | 375.20 | 75.20 | 300.00 | 27900.00 |
| 8 | 2026-01 | 374.40 | 74.40 | 300.00 | 27600.00 |
| 9 | 2026-02 | 373.60 | 73.60 | 300.00 | 27300.00 |
| 10 | 2026-03 | 372.80 | 72.80 | 300.00 | 27000.00 |
| 11 | 2026-04 | 372.00 | 72.00 | 300.00 | 26700.00 |
| 12 | 2026-05 | 371.20 | 71.20 | 300.00 | 26400.00 |
| 13 | 2026-06 | 370.40 | 70.40 | 300.00 | 26100.00 |
| 14 | 2026-07 | 369.60 | 69.60 | 300.00 | 25800.00 |
| 15 | 2026-08 | 368.80 | 68.80 | 300.00 | 25500.00 |
| 16 | 2026-09 | 368.00 | 68.00 | 300.00 | 25200.00 |
| 17 | 2026-10 | 367.20 | 67.20 | 300.00 | 24900.00 |
| 18 | 2026-11 | 366.40 | 66.40 | 300.00 | 24600.00 |
| 19 | 2026-12 | 365.60 | 65.60 | 300.00 | 24300.00 |
| 20 | 2027-01 | 364.80 | 64.80 | 300.00 | 24000.00 |
| 21 | 2027-02 | 364.00 | 64.00 | 300.00 | 23700.00 |
| 22 | 2027-03 | 363.20 | 63.20 | 300.00 | 23400.00 |
| 23 | 2027-04 | 362.40 | 62.40 | 300.00 | 23100.00 |
| 24 | 2027-05 | 361.60 | 61.60 | 300.00 | 22800.00 |
| 25 | 2027-06 | 360.80 | 60.80 | 300.00 | 22500.00 |
| 26 | 2027-07 | 360.00 | 60.00 | 300.00 | 22200.00 |
| 27 | 2027-08 | 359.20 | 59.20 | 300.00 | 21900.00 |
| 28 | 2027-09 | 358.40 | 58.40 | 300.00 | 21600.00 |
| 29 | 2027-10 | 357.60 | 57.60 | 300.00 | 21300.00 |
| 30 | 2027-11 | 356.80 | 56.80 | 300.00 | 21000.00 |
| 31 | 2027-12 | 356.00 | 56.00 | 300.00 | 20700.00 |
| 32 | 2028-01 | 355.20 | 55.20 | 300.00 | 20400.00 |
| 33 | 2028-02 | 354.40 | 54.40 | 300.00 | 20100.00 |
| 34 | 2028-03 | 353.60 | 53.60 | 300.00 | 19800.00 |
| 35 | 2028-04 | 352.80 | 52.80 | 300.00 | 19500.00 |
| 36 | 2028-05 | 352.00 | 52.00 | 300.00 | 19200.00 |
| 37 | 2028-06 | 351.20 | 51.20 | 300.00 | 18900.00 |
| 38 | 2028-07 | 350.40 | 50.40 | 300.00 | 18600.00 |
| 39 | 2028-08 | 349.60 | 49.60 | 300.00 | 18300.00 |
| 40 | 2028-09 | 348.80 | 48.80 | 300.00 | 18000.00 |
| 41 | 2028-10 | 348.00 | 48.00 | 300.00 | 17700.00 |
| 42 | 2028-11 | 347.20 | 47.20 | 300.00 | 17400.00 |
| 43 | 2028-12 | 346.40 | 46.40 | 300.00 | 17100.00 |
| 44 | 2029-01 | 345.60 | 45.60 | 300.00 | 16800.00 |
| 45 | 2029-02 | 344.80 | 44.80 | 300.00 | 16500.00 |
| 46 | 2029-03 | 344.00 | 44.00 | 300.00 | 16200.00 |
| 47 | 2029-04 | 343.20 | 43.20 | 300.00 | 15900.00 |
| 48 | 2029-05 | 342.40 | 42.40 | 300.00 | 15600.00 |
| 49 | 2029-06 | 341.60 | 41.60 | 300.00 | 15300.00 |
| 50 | 2029-07 | 340.80 | 40.80 | 300.00 | 15000.00 |
| 51 | 2029-08 | 340.00 | 40.00 | 300.00 | 14700.00 |
| 52 | 2029-09 | 339.20 | 39.20 | 300.00 | 14400.00 |
| 53 | 2029-10 | 338.40 | 38.40 | 300.00 | 14100.00 |
| 54 | 2029-11 | 337.60 | 37.60 | 300.00 | 13800.00 |
| 55 | 2029-12 | 336.80 | 36.80 | 300.00 | 13500.00 |
| 56 | 2030-01 | 336.00 | 36.00 | 300.00 | 13200.00 |
| 57 | 2030-02 | 335.20 | 35.20 | 300.00 | 12900.00 |
| 58 | 2030-03 | 334.40 | 34.40 | 300.00 | 12600.00 |
| 59 | 2030-04 | 333.60 | 33.60 | 300.00 | 12300.00 |
| 60 | 2030-05 | 332.80 | 32.80 | 300.00 | 12000.00 |
| 61 | 2030-06 | 332.00 | 32.00 | 300.00 | 11700.00 |
| 62 | 2030-07 | 331.20 | 31.20 | 300.00 | 11400.00 |
| 63 | 2030-08 | 330.40 | 30.40 | 300.00 | 11100.00 |
| 64 | 2030-09 | 329.60 | 29.60 | 300.00 | 10800.00 |
| 65 | 2030-10 | 328.80 | 28.80 | 300.00 | 10500.00 |
| 66 | 2030-11 | 328.00 | 28.00 | 300.00 | 10200.00 |
| 67 | 2030-12 | 327.20 | 27.20 | 300.00 | 9900.00 |
| 68 | 2031-01 | 326.40 | 26.40 | 300.00 | 9600.00 |
| 69 | 2031-02 | 325.60 | 25.60 | 300.00 | 9300.00 |
| 70 | 2031-03 | 324.80 | 24.80 | 300.00 | 9000.00 |
| 71 | 2031-04 | 324.00 | 24.00 | 300.00 | 8700.00 |
| 72 | 2031-05 | 323.20 | 23.20 | 300.00 | 8400.00 |
| 73 | 2031-06 | 322.40 | 22.40 | 300.00 | 8100.00 |
| 74 | 2031-07 | 321.60 | 21.60 | 300.00 | 7800.00 |
| 75 | 2031-08 | 320.80 | 20.80 | 300.00 | 7500.00 |
| 76 | 2031-09 | 320.00 | 20.00 | 300.00 | 7200.00 |
| 77 | 2031-10 | 319.20 | 19.20 | 300.00 | 6900.00 |
| 78 | 2031-11 | 318.40 | 18.40 | 300.00 | 6600.00 |
| 79 | 2031-12 | 317.60 | 17.60 | 300.00 | 6300.00 |
| 80 | 2032-01 | 316.80 | 16.80 | 300.00 | 6000.00 |
| 81 | 2032-02 | 316.00 | 16.00 | 300.00 | 5700.00 |
| 82 | 2032-03 | 315.20 | 15.20 | 300.00 | 5400.00 |
| 83 | 2032-04 | 314.40 | 14.40 | 300.00 | 5100.00 |
| 84 | 2032-05 | 313.60 | 13.60 | 300.00 | 4800.00 |
| 85 | 2032-06 | 312.80 | 12.80 | 300.00 | 4500.00 |
| 86 | 2032-07 | 312.00 | 12.00 | 300.00 | 4200.00 |
| 87 | 2032-08 | 311.20 | 11.20 | 300.00 | 3900.00 |
| 88 | 2032-09 | 310.40 | 10.40 | 300.00 | 3600.00 |
| 89 | 2032-10 | 309.60 | 9.60 | 300.00 | 3300.00 |
| 90 | 2032-11 | 308.80 | 8.80 | 300.00 | 3000.00 |
| 91 | 2032-12 | 308.00 | 8.00 | 300.00 | 2700.00 |
| 92 | 2033-01 | 307.20 | 7.20 | 300.00 | 2400.00 |
| 93 | 2033-02 | 306.40 | 6.40 | 300.00 | 2100.00 |
| 94 | 2033-03 | 305.60 | 5.60 | 300.00 | 1800.00 |
| 95 | 2033-04 | 304.80 | 4.80 | 300.00 | 1500.00 |
| 96 | 2033-05 | 304.00 | 4.00 | 300.00 | 1200.00 |
| 97 | 2033-06 | 303.20 | 3.20 | 300.00 | 900.00 |
| 98 | 2033-07 | 302.40 | 2.40 | 300.00 | 600.00 |
| 99 | 2033-08 | 301.60 | 1.60 | 300.00 | 300.00 |
| 100 | 2033-09 | 300.80 | 0.80 | 300.00 | 0.00 |