贷款3万（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：3万
还款月数：5年
每月还款：556.57元
利息总额：3393.99元
本息合计：3.34万
| 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 | 556.57 | 107.50 | 449.07 | 29550.93 |
| 2 | 2025-07 | 556.57 | 105.89 | 450.68 | 29100.26 |
| 3 | 2025-08 | 556.57 | 104.28 | 452.29 | 28647.97 |
| 4 | 2025-09 | 556.57 | 102.66 | 453.91 | 28194.06 |
| 5 | 2025-10 | 556.57 | 101.03 | 455.54 | 27738.52 |
| 6 | 2025-11 | 556.57 | 99.40 | 457.17 | 27281.35 |
| 7 | 2025-12 | 556.57 | 97.76 | 458.81 | 26822.54 |
| 8 | 2026-01 | 556.57 | 96.11 | 460.45 | 26362.09 |
| 9 | 2026-02 | 556.57 | 94.46 | 462.10 | 25899.99 |
| 10 | 2026-03 | 556.57 | 92.81 | 463.76 | 25436.23 |
| 11 | 2026-04 | 556.57 | 91.15 | 465.42 | 24970.81 |
| 12 | 2026-05 | 556.57 | 89.48 | 467.09 | 24503.72 |
| 13 | 2026-06 | 556.57 | 87.80 | 468.76 | 24034.96 |
| 14 | 2026-07 | 556.57 | 86.13 | 470.44 | 23564.52 |
| 15 | 2026-08 | 556.57 | 84.44 | 472.13 | 23092.39 |
| 16 | 2026-09 | 556.57 | 82.75 | 473.82 | 22618.57 |
| 17 | 2026-10 | 556.57 | 81.05 | 475.52 | 22143.06 |
| 18 | 2026-11 | 556.57 | 79.35 | 477.22 | 21665.83 |
| 19 | 2026-12 | 556.57 | 77.64 | 478.93 | 21186.90 |
| 20 | 2027-01 | 556.57 | 75.92 | 480.65 | 20706.26 |
| 21 | 2027-02 | 556.57 | 74.20 | 482.37 | 20223.89 |
| 22 | 2027-03 | 556.57 | 72.47 | 484.10 | 19739.79 |
| 23 | 2027-04 | 556.57 | 70.73 | 485.83 | 19253.96 |
| 24 | 2027-05 | 556.57 | 68.99 | 487.57 | 18766.39 |
| 25 | 2027-06 | 556.57 | 67.25 | 489.32 | 18277.07 |
| 26 | 2027-07 | 556.57 | 65.49 | 491.07 | 17785.99 |
| 27 | 2027-08 | 556.57 | 63.73 | 492.83 | 17293.16 |
| 28 | 2027-09 | 556.57 | 61.97 | 494.60 | 16798.56 |
| 29 | 2027-10 | 556.57 | 60.19 | 496.37 | 16302.19 |
| 30 | 2027-11 | 556.57 | 58.42 | 498.15 | 15804.04 |
| 31 | 2027-12 | 556.57 | 56.63 | 499.94 | 15304.10 |
| 32 | 2028-01 | 556.57 | 54.84 | 501.73 | 14802.38 |
| 33 | 2028-02 | 556.57 | 53.04 | 503.52 | 14298.85 |
| 34 | 2028-03 | 556.57 | 51.24 | 505.33 | 13793.52 |
| 35 | 2028-04 | 556.57 | 49.43 | 507.14 | 13286.38 |
| 36 | 2028-05 | 556.57 | 47.61 | 508.96 | 12777.43 |
| 37 | 2028-06 | 556.57 | 45.79 | 510.78 | 12266.64 |
| 38 | 2028-07 | 556.57 | 43.96 | 512.61 | 11754.03 |
| 39 | 2028-08 | 556.57 | 42.12 | 514.45 | 11239.59 |
| 40 | 2028-09 | 556.57 | 40.28 | 516.29 | 10723.29 |
| 41 | 2028-10 | 556.57 | 38.43 | 518.14 | 10205.15 |
| 42 | 2028-11 | 556.57 | 36.57 | 520.00 | 9685.16 |
| 43 | 2028-12 | 556.57 | 34.71 | 521.86 | 9163.29 |
| 44 | 2029-01 | 556.57 | 32.84 | 523.73 | 8639.56 |
| 45 | 2029-02 | 556.57 | 30.96 | 525.61 | 8113.96 |
| 46 | 2029-03 | 556.57 | 29.08 | 527.49 | 7586.46 |
| 47 | 2029-04 | 556.57 | 27.18 | 529.38 | 7057.08 |
| 48 | 2029-05 | 556.57 | 25.29 | 531.28 | 6525.80 |
| 49 | 2029-06 | 556.57 | 23.38 | 533.18 | 5992.62 |
| 50 | 2029-07 | 556.57 | 21.47 | 535.09 | 5457.53 |
| 51 | 2029-08 | 556.57 | 19.56 | 537.01 | 4920.52 |
| 52 | 2029-09 | 556.57 | 17.63 | 538.93 | 4381.58 |
| 53 | 2029-10 | 556.57 | 15.70 | 540.87 | 3840.72 |
| 54 | 2029-11 | 556.57 | 13.76 | 542.80 | 3297.91 |
| 55 | 2029-12 | 556.57 | 11.82 | 544.75 | 2753.17 |
| 56 | 2030-01 | 556.57 | 9.87 | 546.70 | 2206.46 |
| 57 | 2030-02 | 556.57 | 7.91 | 548.66 | 1657.80 |
| 58 | 2030-03 | 556.57 | 5.94 | 550.63 | 1107.18 |
| 59 | 2030-04 | 556.57 | 3.97 | 552.60 | 554.58 |
| 60 | 2030-05 | 556.57 | 1.99 | 554.58 | 0.00 |
等额本金还款方式：
贷款总额：3万
还款月数：5年
首月还款：607.5元
每月递减：1.79元
利息总额：3278.75元
本息合计：3.33万
节省利息：115.24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 | 607.50 | 107.50 | 500.00 | 29500.00 |
| 2 | 2025-07 | 605.71 | 105.71 | 500.00 | 29000.00 |
| 3 | 2025-08 | 603.92 | 103.92 | 500.00 | 28500.00 |
| 4 | 2025-09 | 602.13 | 102.12 | 500.00 | 28000.00 |
| 5 | 2025-10 | 600.33 | 100.33 | 500.00 | 27500.00 |
| 6 | 2025-11 | 598.54 | 98.54 | 500.00 | 27000.00 |
| 7 | 2025-12 | 596.75 | 96.75 | 500.00 | 26500.00 |
| 8 | 2026-01 | 594.96 | 94.96 | 500.00 | 26000.00 |
| 9 | 2026-02 | 593.17 | 93.17 | 500.00 | 25500.00 |
| 10 | 2026-03 | 591.38 | 91.37 | 500.00 | 25000.00 |
| 11 | 2026-04 | 589.58 | 89.58 | 500.00 | 24500.00 |
| 12 | 2026-05 | 587.79 | 87.79 | 500.00 | 24000.00 |
| 13 | 2026-06 | 586.00 | 86.00 | 500.00 | 23500.00 |
| 14 | 2026-07 | 584.21 | 84.21 | 500.00 | 23000.00 |
| 15 | 2026-08 | 582.42 | 82.42 | 500.00 | 22500.00 |
| 16 | 2026-09 | 580.63 | 80.62 | 500.00 | 22000.00 |
| 17 | 2026-10 | 578.83 | 78.83 | 500.00 | 21500.00 |
| 18 | 2026-11 | 577.04 | 77.04 | 500.00 | 21000.00 |
| 19 | 2026-12 | 575.25 | 75.25 | 500.00 | 20500.00 |
| 20 | 2027-01 | 573.46 | 73.46 | 500.00 | 20000.00 |
| 21 | 2027-02 | 571.67 | 71.67 | 500.00 | 19500.00 |
| 22 | 2027-03 | 569.88 | 69.87 | 500.00 | 19000.00 |
| 23 | 2027-04 | 568.08 | 68.08 | 500.00 | 18500.00 |
| 24 | 2027-05 | 566.29 | 66.29 | 500.00 | 18000.00 |
| 25 | 2027-06 | 564.50 | 64.50 | 500.00 | 17500.00 |
| 26 | 2027-07 | 562.71 | 62.71 | 500.00 | 17000.00 |
| 27 | 2027-08 | 560.92 | 60.92 | 500.00 | 16500.00 |
| 28 | 2027-09 | 559.13 | 59.12 | 500.00 | 16000.00 |
| 29 | 2027-10 | 557.33 | 57.33 | 500.00 | 15500.00 |
| 30 | 2027-11 | 555.54 | 55.54 | 500.00 | 15000.00 |
| 31 | 2027-12 | 553.75 | 53.75 | 500.00 | 14500.00 |
| 32 | 2028-01 | 551.96 | 51.96 | 500.00 | 14000.00 |
| 33 | 2028-02 | 550.17 | 50.17 | 500.00 | 13500.00 |
| 34 | 2028-03 | 548.38 | 48.37 | 500.00 | 13000.00 |
| 35 | 2028-04 | 546.58 | 46.58 | 500.00 | 12500.00 |
| 36 | 2028-05 | 544.79 | 44.79 | 500.00 | 12000.00 |
| 37 | 2028-06 | 543.00 | 43.00 | 500.00 | 11500.00 |
| 38 | 2028-07 | 541.21 | 41.21 | 500.00 | 11000.00 |
| 39 | 2028-08 | 539.42 | 39.42 | 500.00 | 10500.00 |
| 40 | 2028-09 | 537.63 | 37.62 | 500.00 | 10000.00 |
| 41 | 2028-10 | 535.83 | 35.83 | 500.00 | 9500.00 |
| 42 | 2028-11 | 534.04 | 34.04 | 500.00 | 9000.00 |
| 43 | 2028-12 | 532.25 | 32.25 | 500.00 | 8500.00 |
| 44 | 2029-01 | 530.46 | 30.46 | 500.00 | 8000.00 |
| 45 | 2029-02 | 528.67 | 28.67 | 500.00 | 7500.00 |
| 46 | 2029-03 | 526.88 | 26.87 | 500.00 | 7000.00 |
| 47 | 2029-04 | 525.08 | 25.08 | 500.00 | 6500.00 |
| 48 | 2029-05 | 523.29 | 23.29 | 500.00 | 6000.00 |
| 49 | 2029-06 | 521.50 | 21.50 | 500.00 | 5500.00 |
| 50 | 2029-07 | 519.71 | 19.71 | 500.00 | 5000.00 |
| 51 | 2029-08 | 517.92 | 17.92 | 500.00 | 4500.00 |
| 52 | 2029-09 | 516.13 | 16.12 | 500.00 | 4000.00 |
| 53 | 2029-10 | 514.33 | 14.33 | 500.00 | 3500.00 |
| 54 | 2029-11 | 512.54 | 12.54 | 500.00 | 3000.00 |
| 55 | 2029-12 | 510.75 | 10.75 | 500.00 | 2500.00 |
| 56 | 2030-01 | 508.96 | 8.96 | 500.00 | 2000.00 |
| 57 | 2030-02 | 507.17 | 7.17 | 500.00 | 1500.00 |
| 58 | 2030-03 | 505.38 | 5.37 | 500.00 | 1000.00 |
| 59 | 2030-04 | 503.58 | 3.58 | 500.00 | 500.00 |
| 60 | 2030-05 | 501.79 | 1.79 | 500.00 | 0.00 |