贷款2.5万（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：2.5万
还款月数：5年
每月还款：463.81元
利息总额：2828.32元
本息合计：2.78万
| 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 | 463.81 | 89.58 | 374.22 | 24625.78 |
| 2 | 2025-07 | 463.81 | 88.24 | 375.56 | 24250.21 |
| 3 | 2025-08 | 463.81 | 86.90 | 376.91 | 23873.31 |
| 4 | 2025-09 | 463.81 | 85.55 | 378.26 | 23495.05 |
| 5 | 2025-10 | 463.81 | 84.19 | 379.61 | 23115.43 |
| 6 | 2025-11 | 463.81 | 82.83 | 380.98 | 22734.46 |
| 7 | 2025-12 | 463.81 | 81.47 | 382.34 | 22352.12 |
| 8 | 2026-01 | 463.81 | 80.10 | 383.71 | 21968.41 |
| 9 | 2026-02 | 463.81 | 78.72 | 385.09 | 21583.32 |
| 10 | 2026-03 | 463.81 | 77.34 | 386.47 | 21196.86 |
| 11 | 2026-04 | 463.81 | 75.96 | 387.85 | 20809.01 |
| 12 | 2026-05 | 463.81 | 74.57 | 389.24 | 20419.77 |
| 13 | 2026-06 | 463.81 | 73.17 | 390.63 | 20029.13 |
| 14 | 2026-07 | 463.81 | 71.77 | 392.03 | 19637.10 |
| 15 | 2026-08 | 463.81 | 70.37 | 393.44 | 19243.66 |
| 16 | 2026-09 | 463.81 | 68.96 | 394.85 | 18848.81 |
| 17 | 2026-10 | 463.81 | 67.54 | 396.26 | 18452.55 |
| 18 | 2026-11 | 463.81 | 66.12 | 397.68 | 18054.86 |
| 19 | 2026-12 | 463.81 | 64.70 | 399.11 | 17655.75 |
| 20 | 2027-01 | 463.81 | 63.27 | 400.54 | 17255.21 |
| 21 | 2027-02 | 463.81 | 61.83 | 401.97 | 16853.24 |
| 22 | 2027-03 | 463.81 | 60.39 | 403.41 | 16449.83 |
| 23 | 2027-04 | 463.81 | 58.95 | 404.86 | 16044.97 |
| 24 | 2027-05 | 463.81 | 57.49 | 406.31 | 15638.65 |
| 25 | 2027-06 | 463.81 | 56.04 | 407.77 | 15230.89 |
| 26 | 2027-07 | 463.81 | 54.58 | 409.23 | 14821.66 |
| 27 | 2027-08 | 463.81 | 53.11 | 410.69 | 14410.97 |
| 28 | 2027-09 | 463.81 | 51.64 | 412.17 | 13998.80 |
| 29 | 2027-10 | 463.81 | 50.16 | 413.64 | 13585.16 |
| 30 | 2027-11 | 463.81 | 48.68 | 415.13 | 13170.03 |
| 31 | 2027-12 | 463.81 | 47.19 | 416.61 | 12753.42 |
| 32 | 2028-01 | 463.81 | 45.70 | 418.11 | 12335.31 |
| 33 | 2028-02 | 463.81 | 44.20 | 419.60 | 11915.71 |
| 34 | 2028-03 | 463.81 | 42.70 | 421.11 | 11494.60 |
| 35 | 2028-04 | 463.81 | 41.19 | 422.62 | 11071.99 |
| 36 | 2028-05 | 463.81 | 39.67 | 424.13 | 10647.85 |
| 37 | 2028-06 | 463.81 | 38.15 | 425.65 | 10222.20 |
| 38 | 2028-07 | 463.81 | 36.63 | 427.18 | 9795.03 |
| 39 | 2028-08 | 463.81 | 35.10 | 428.71 | 9366.32 |
| 40 | 2028-09 | 463.81 | 33.56 | 430.24 | 8936.08 |
| 41 | 2028-10 | 463.81 | 32.02 | 431.78 | 8504.29 |
| 42 | 2028-11 | 463.81 | 30.47 | 433.33 | 8070.96 |
| 43 | 2028-12 | 463.81 | 28.92 | 434.88 | 7636.08 |
| 44 | 2029-01 | 463.81 | 27.36 | 436.44 | 7199.64 |
| 45 | 2029-02 | 463.81 | 25.80 | 438.01 | 6761.63 |
| 46 | 2029-03 | 463.81 | 24.23 | 439.58 | 6322.05 |
| 47 | 2029-04 | 463.81 | 22.65 | 441.15 | 5880.90 |
| 48 | 2029-05 | 463.81 | 21.07 | 442.73 | 5438.17 |
| 49 | 2029-06 | 463.81 | 19.49 | 444.32 | 4993.85 |
| 50 | 2029-07 | 463.81 | 17.89 | 445.91 | 4547.94 |
| 51 | 2029-08 | 463.81 | 16.30 | 447.51 | 4100.43 |
| 52 | 2029-09 | 463.81 | 14.69 | 449.11 | 3651.32 |
| 53 | 2029-10 | 463.81 | 13.08 | 450.72 | 3200.60 |
| 54 | 2029-11 | 463.81 | 11.47 | 452.34 | 2748.26 |
| 55 | 2029-12 | 463.81 | 9.85 | 453.96 | 2294.30 |
| 56 | 2030-01 | 463.81 | 8.22 | 455.58 | 1838.72 |
| 57 | 2030-02 | 463.81 | 6.59 | 457.22 | 1381.50 |
| 58 | 2030-03 | 463.81 | 4.95 | 458.85 | 922.65 |
| 59 | 2030-04 | 463.81 | 3.31 | 460.50 | 462.15 |
| 60 | 2030-05 | 463.81 | 1.66 | 462.15 | 0.00 |
等额本金还款方式：
贷款总额：2.5万
还款月数：5年
首月还款：506.25元
每月递减：1.49元
利息总额：2732.29元
本息合计：2.77万
节省利息：96.03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 | 506.25 | 89.58 | 416.67 | 24583.33 |
| 2 | 2025-07 | 504.76 | 88.09 | 416.67 | 24166.67 |
| 3 | 2025-08 | 503.26 | 86.60 | 416.67 | 23750.00 |
| 4 | 2025-09 | 501.77 | 85.10 | 416.67 | 23333.33 |
| 5 | 2025-10 | 500.28 | 83.61 | 416.67 | 22916.67 |
| 6 | 2025-11 | 498.78 | 82.12 | 416.67 | 22500.00 |
| 7 | 2025-12 | 497.29 | 80.62 | 416.67 | 22083.33 |
| 8 | 2026-01 | 495.80 | 79.13 | 416.67 | 21666.67 |
| 9 | 2026-02 | 494.31 | 77.64 | 416.67 | 21250.00 |
| 10 | 2026-03 | 492.81 | 76.15 | 416.67 | 20833.33 |
| 11 | 2026-04 | 491.32 | 74.65 | 416.67 | 20416.67 |
| 12 | 2026-05 | 489.83 | 73.16 | 416.67 | 20000.00 |
| 13 | 2026-06 | 488.33 | 71.67 | 416.67 | 19583.33 |
| 14 | 2026-07 | 486.84 | 70.17 | 416.67 | 19166.67 |
| 15 | 2026-08 | 485.35 | 68.68 | 416.67 | 18750.00 |
| 16 | 2026-09 | 483.85 | 67.19 | 416.67 | 18333.33 |
| 17 | 2026-10 | 482.36 | 65.69 | 416.67 | 17916.67 |
| 18 | 2026-11 | 480.87 | 64.20 | 416.67 | 17500.00 |
| 19 | 2026-12 | 479.38 | 62.71 | 416.67 | 17083.33 |
| 20 | 2027-01 | 477.88 | 61.22 | 416.67 | 16666.67 |
| 21 | 2027-02 | 476.39 | 59.72 | 416.67 | 16250.00 |
| 22 | 2027-03 | 474.90 | 58.23 | 416.67 | 15833.33 |
| 23 | 2027-04 | 473.40 | 56.74 | 416.67 | 15416.67 |
| 24 | 2027-05 | 471.91 | 55.24 | 416.67 | 15000.00 |
| 25 | 2027-06 | 470.42 | 53.75 | 416.67 | 14583.33 |
| 26 | 2027-07 | 468.92 | 52.26 | 416.67 | 14166.67 |
| 27 | 2027-08 | 467.43 | 50.76 | 416.67 | 13750.00 |
| 28 | 2027-09 | 465.94 | 49.27 | 416.67 | 13333.33 |
| 29 | 2027-10 | 464.44 | 47.78 | 416.67 | 12916.67 |
| 30 | 2027-11 | 462.95 | 46.28 | 416.67 | 12500.00 |
| 31 | 2027-12 | 461.46 | 44.79 | 416.67 | 12083.33 |
| 32 | 2028-01 | 459.97 | 43.30 | 416.67 | 11666.67 |
| 33 | 2028-02 | 458.47 | 41.81 | 416.67 | 11250.00 |
| 34 | 2028-03 | 456.98 | 40.31 | 416.67 | 10833.33 |
| 35 | 2028-04 | 455.49 | 38.82 | 416.67 | 10416.67 |
| 36 | 2028-05 | 453.99 | 37.33 | 416.67 | 10000.00 |
| 37 | 2028-06 | 452.50 | 35.83 | 416.67 | 9583.33 |
| 38 | 2028-07 | 451.01 | 34.34 | 416.67 | 9166.67 |
| 39 | 2028-08 | 449.51 | 32.85 | 416.67 | 8750.00 |
| 40 | 2028-09 | 448.02 | 31.35 | 416.67 | 8333.33 |
| 41 | 2028-10 | 446.53 | 29.86 | 416.67 | 7916.67 |
| 42 | 2028-11 | 445.03 | 28.37 | 416.67 | 7500.00 |
| 43 | 2028-12 | 443.54 | 26.87 | 416.67 | 7083.33 |
| 44 | 2029-01 | 442.05 | 25.38 | 416.67 | 6666.67 |
| 45 | 2029-02 | 440.56 | 23.89 | 416.67 | 6250.00 |
| 46 | 2029-03 | 439.06 | 22.40 | 416.67 | 5833.33 |
| 47 | 2029-04 | 437.57 | 20.90 | 416.67 | 5416.67 |
| 48 | 2029-05 | 436.08 | 19.41 | 416.67 | 5000.00 |
| 49 | 2029-06 | 434.58 | 17.92 | 416.67 | 4583.33 |
| 50 | 2029-07 | 433.09 | 16.42 | 416.67 | 4166.67 |
| 51 | 2029-08 | 431.60 | 14.93 | 416.67 | 3750.00 |
| 52 | 2029-09 | 430.10 | 13.44 | 416.67 | 3333.33 |
| 53 | 2029-10 | 428.61 | 11.94 | 416.67 | 2916.67 |
| 54 | 2029-11 | 427.12 | 10.45 | 416.67 | 2500.00 |
| 55 | 2029-12 | 425.63 | 8.96 | 416.67 | 2083.33 |
| 56 | 2030-01 | 424.13 | 7.47 | 416.67 | 1666.67 |
| 57 | 2030-02 | 422.64 | 5.97 | 416.67 | 1250.00 |
| 58 | 2030-03 | 421.15 | 4.48 | 416.67 | 833.33 |
| 59 | 2030-04 | 419.65 | 2.99 | 416.67 | 416.67 |
| 60 | 2030-05 | 418.16 | 1.49 | 416.67 | 0.00 |