贷款3万（商业贷款）房贷，还款3年11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：3年11个月
每月还款：679.98元
利息总额：1959.19元
本息合计：3.2万
| 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 | 679.98 | 80.00 | 599.98 | 29400.02 |
| 2 | 2025-07 | 679.98 | 78.40 | 601.58 | 28798.43 |
| 3 | 2025-08 | 679.98 | 76.80 | 603.19 | 28195.25 |
| 4 | 2025-09 | 679.98 | 75.19 | 604.80 | 27590.45 |
| 5 | 2025-10 | 679.98 | 73.57 | 606.41 | 26984.04 |
| 6 | 2025-11 | 679.98 | 71.96 | 608.03 | 26376.02 |
| 7 | 2025-12 | 679.98 | 70.34 | 609.65 | 25766.37 |
| 8 | 2026-01 | 679.98 | 68.71 | 611.27 | 25155.10 |
| 9 | 2026-02 | 679.98 | 67.08 | 612.90 | 24542.20 |
| 10 | 2026-03 | 679.98 | 65.45 | 614.54 | 23927.66 |
| 11 | 2026-04 | 679.98 | 63.81 | 616.18 | 23311.48 |
| 12 | 2026-05 | 679.98 | 62.16 | 617.82 | 22693.67 |
| 13 | 2026-06 | 679.98 | 60.52 | 619.47 | 22074.20 |
| 14 | 2026-07 | 679.98 | 58.86 | 621.12 | 21453.08 |
| 15 | 2026-08 | 679.98 | 57.21 | 622.77 | 20830.31 |
| 16 | 2026-09 | 679.98 | 55.55 | 624.44 | 20205.87 |
| 17 | 2026-10 | 679.98 | 53.88 | 626.10 | 19579.77 |
| 18 | 2026-11 | 679.98 | 52.21 | 627.77 | 18952.00 |
| 19 | 2026-12 | 679.98 | 50.54 | 629.44 | 18322.56 |
| 20 | 2027-01 | 679.98 | 48.86 | 631.12 | 17691.43 |
| 21 | 2027-02 | 679.98 | 47.18 | 632.81 | 17058.63 |
| 22 | 2027-03 | 679.98 | 45.49 | 634.49 | 16424.13 |
| 23 | 2027-04 | 679.98 | 43.80 | 636.19 | 15787.95 |
| 24 | 2027-05 | 679.98 | 42.10 | 637.88 | 15150.07 |
| 25 | 2027-06 | 679.98 | 40.40 | 639.58 | 14510.49 |
| 26 | 2027-07 | 679.98 | 38.69 | 641.29 | 13869.20 |
| 27 | 2027-08 | 679.98 | 36.98 | 643.00 | 13226.20 |
| 28 | 2027-09 | 679.98 | 35.27 | 644.71 | 12581.49 |
| 29 | 2027-10 | 679.98 | 33.55 | 646.43 | 11935.05 |
| 30 | 2027-11 | 679.98 | 31.83 | 648.16 | 11286.90 |
| 31 | 2027-12 | 679.98 | 30.10 | 649.88 | 10637.01 |
| 32 | 2028-01 | 679.98 | 28.37 | 651.62 | 9985.40 |
| 33 | 2028-02 | 679.98 | 26.63 | 653.36 | 9332.04 |
| 34 | 2028-03 | 679.98 | 24.89 | 655.10 | 8676.94 |
| 35 | 2028-04 | 679.98 | 23.14 | 656.84 | 8020.10 |
| 36 | 2028-05 | 679.98 | 21.39 | 658.60 | 7361.50 |
| 37 | 2028-06 | 679.98 | 19.63 | 660.35 | 6701.15 |
| 38 | 2028-07 | 679.98 | 17.87 | 662.11 | 6039.04 |
| 39 | 2028-08 | 679.98 | 16.10 | 663.88 | 5375.16 |
| 40 | 2028-09 | 679.98 | 14.33 | 665.65 | 4709.51 |
| 41 | 2028-10 | 679.98 | 12.56 | 667.42 | 4042.09 |
| 42 | 2028-11 | 679.98 | 10.78 | 669.20 | 3372.88 |
| 43 | 2028-12 | 679.98 | 8.99 | 670.99 | 2701.89 |
| 44 | 2029-01 | 679.98 | 7.21 | 672.78 | 2029.12 |
| 45 | 2029-02 | 679.98 | 5.41 | 674.57 | 1354.54 |
| 46 | 2029-03 | 679.98 | 3.61 | 676.37 | 678.17 |
| 47 | 2029-04 | 679.98 | 1.81 | 678.17 | 0.00 |
等额本金还款方式：
贷款总额：3万
还款月数：3年11个月
首月还款：718.3元
每月递减：1.7元
利息总额：1920元
本息合计：3.19万
节省利息：39.19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 | 718.30 | 80.00 | 638.30 | 29361.70 |
| 2 | 2025-07 | 716.60 | 78.30 | 638.30 | 28723.40 |
| 3 | 2025-08 | 714.89 | 76.60 | 638.30 | 28085.11 |
| 4 | 2025-09 | 713.19 | 74.89 | 638.30 | 27446.81 |
| 5 | 2025-10 | 711.49 | 73.19 | 638.30 | 26808.51 |
| 6 | 2025-11 | 709.79 | 71.49 | 638.30 | 26170.21 |
| 7 | 2025-12 | 708.09 | 69.79 | 638.30 | 25531.91 |
| 8 | 2026-01 | 706.38 | 68.09 | 638.30 | 24893.62 |
| 9 | 2026-02 | 704.68 | 66.38 | 638.30 | 24255.32 |
| 10 | 2026-03 | 702.98 | 64.68 | 638.30 | 23617.02 |
| 11 | 2026-04 | 701.28 | 62.98 | 638.30 | 22978.72 |
| 12 | 2026-05 | 699.57 | 61.28 | 638.30 | 22340.43 |
| 13 | 2026-06 | 697.87 | 59.57 | 638.30 | 21702.13 |
| 14 | 2026-07 | 696.17 | 57.87 | 638.30 | 21063.83 |
| 15 | 2026-08 | 694.47 | 56.17 | 638.30 | 20425.53 |
| 16 | 2026-09 | 692.77 | 54.47 | 638.30 | 19787.23 |
| 17 | 2026-10 | 691.06 | 52.77 | 638.30 | 19148.94 |
| 18 | 2026-11 | 689.36 | 51.06 | 638.30 | 18510.64 |
| 19 | 2026-12 | 687.66 | 49.36 | 638.30 | 17872.34 |
| 20 | 2027-01 | 685.96 | 47.66 | 638.30 | 17234.04 |
| 21 | 2027-02 | 684.26 | 45.96 | 638.30 | 16595.74 |
| 22 | 2027-03 | 682.55 | 44.26 | 638.30 | 15957.45 |
| 23 | 2027-04 | 680.85 | 42.55 | 638.30 | 15319.15 |
| 24 | 2027-05 | 679.15 | 40.85 | 638.30 | 14680.85 |
| 25 | 2027-06 | 677.45 | 39.15 | 638.30 | 14042.55 |
| 26 | 2027-07 | 675.74 | 37.45 | 638.30 | 13404.26 |
| 27 | 2027-08 | 674.04 | 35.74 | 638.30 | 12765.96 |
| 28 | 2027-09 | 672.34 | 34.04 | 638.30 | 12127.66 |
| 29 | 2027-10 | 670.64 | 32.34 | 638.30 | 11489.36 |
| 30 | 2027-11 | 668.94 | 30.64 | 638.30 | 10851.06 |
| 31 | 2027-12 | 667.23 | 28.94 | 638.30 | 10212.77 |
| 32 | 2028-01 | 665.53 | 27.23 | 638.30 | 9574.47 |
| 33 | 2028-02 | 663.83 | 25.53 | 638.30 | 8936.17 |
| 34 | 2028-03 | 662.13 | 23.83 | 638.30 | 8297.87 |
| 35 | 2028-04 | 660.43 | 22.13 | 638.30 | 7659.57 |
| 36 | 2028-05 | 658.72 | 20.43 | 638.30 | 7021.28 |
| 37 | 2028-06 | 657.02 | 18.72 | 638.30 | 6382.98 |
| 38 | 2028-07 | 655.32 | 17.02 | 638.30 | 5744.68 |
| 39 | 2028-08 | 653.62 | 15.32 | 638.30 | 5106.38 |
| 40 | 2028-09 | 651.91 | 13.62 | 638.30 | 4468.09 |
| 41 | 2028-10 | 650.21 | 11.91 | 638.30 | 3829.79 |
| 42 | 2028-11 | 648.51 | 10.21 | 638.30 | 3191.49 |
| 43 | 2028-12 | 646.81 | 8.51 | 638.30 | 2553.19 |
| 44 | 2029-01 | 645.11 | 6.81 | 638.30 | 1914.89 |
| 45 | 2029-02 | 643.40 | 5.11 | 638.30 | 1276.60 |
| 46 | 2029-03 | 641.70 | 3.40 | 638.30 | 638.30 |
| 47 | 2029-04 | 640.00 | 1.70 | 638.30 | 0.00 |