贷款13.4万（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：13.4万
还款月数：5年
每月还款：2420.44元
利息总额：1.12万
本息合计：14.52万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 2420.44 | 357.44 | 2063.00 | 131975.97 |
| 2 | 2026-03 | 2420.44 | 351.94 | 2068.50 | 129907.47 |
| 3 | 2026-04 | 2420.44 | 346.42 | 2074.02 | 127833.45 |
| 4 | 2026-05 | 2420.44 | 340.89 | 2079.55 | 125753.91 |
| 5 | 2026-06 | 2420.44 | 335.34 | 2085.09 | 123668.81 |
| 6 | 2026-07 | 2420.44 | 329.78 | 2090.65 | 121578.16 |
| 7 | 2026-08 | 2420.44 | 324.21 | 2096.23 | 119481.93 |
| 8 | 2026-09 | 2420.44 | 318.62 | 2101.82 | 117380.12 |
| 9 | 2026-10 | 2420.44 | 313.01 | 2107.42 | 115272.69 |
| 10 | 2026-11 | 2420.44 | 307.39 | 2113.04 | 113159.65 |
| 11 | 2026-12 | 2420.44 | 301.76 | 2118.68 | 111040.97 |
| 12 | 2027-01 | 2420.44 | 296.11 | 2124.33 | 108916.65 |
| 13 | 2027-02 | 2420.44 | 290.44 | 2129.99 | 106786.66 |
| 14 | 2027-03 | 2420.44 | 284.76 | 2135.67 | 104650.98 |
| 15 | 2027-04 | 2420.44 | 279.07 | 2141.37 | 102509.62 |
| 16 | 2027-05 | 2420.44 | 273.36 | 2147.08 | 100362.54 |
| 17 | 2027-06 | 2420.44 | 267.63 | 2152.80 | 98209.74 |
| 18 | 2027-07 | 2420.44 | 261.89 | 2158.54 | 96051.19 |
| 19 | 2027-08 | 2420.44 | 256.14 | 2164.30 | 93886.89 |
| 20 | 2027-09 | 2420.44 | 250.37 | 2170.07 | 91716.82 |
| 21 | 2027-10 | 2420.44 | 244.58 | 2175.86 | 89540.96 |
| 22 | 2027-11 | 2420.44 | 238.78 | 2181.66 | 87359.30 |
| 23 | 2027-12 | 2420.44 | 232.96 | 2187.48 | 85171.83 |
| 24 | 2028-01 | 2420.44 | 227.12 | 2193.31 | 82978.51 |
| 25 | 2028-02 | 2420.44 | 221.28 | 2199.16 | 80779.35 |
| 26 | 2028-03 | 2420.44 | 215.41 | 2205.02 | 78574.33 |
| 27 | 2028-04 | 2420.44 | 209.53 | 2210.90 | 76363.42 |
| 28 | 2028-05 | 2420.44 | 203.64 | 2216.80 | 74146.62 |
| 29 | 2028-06 | 2420.44 | 197.72 | 2222.71 | 71923.91 |
| 30 | 2028-07 | 2420.44 | 191.80 | 2228.64 | 69695.27 |
| 31 | 2028-08 | 2420.44 | 185.85 | 2234.58 | 67460.69 |
| 32 | 2028-09 | 2420.44 | 179.90 | 2240.54 | 65220.15 |
| 33 | 2028-10 | 2420.44 | 173.92 | 2246.52 | 62973.63 |
| 34 | 2028-11 | 2420.44 | 167.93 | 2252.51 | 60721.13 |
| 35 | 2028-12 | 2420.44 | 161.92 | 2258.51 | 58462.61 |
| 36 | 2029-01 | 2420.44 | 155.90 | 2264.54 | 56198.08 |
| 37 | 2029-02 | 2420.44 | 149.86 | 2270.57 | 53927.50 |
| 38 | 2029-03 | 2420.44 | 143.81 | 2276.63 | 51650.87 |
| 39 | 2029-04 | 2420.44 | 137.74 | 2282.70 | 49368.17 |
| 40 | 2029-05 | 2420.44 | 131.65 | 2288.79 | 47079.39 |
| 41 | 2029-06 | 2420.44 | 125.55 | 2294.89 | 44784.49 |
| 42 | 2029-07 | 2420.44 | 119.43 | 2301.01 | 42483.48 |
| 43 | 2029-08 | 2420.44 | 113.29 | 2307.15 | 40176.34 |
| 44 | 2029-09 | 2420.44 | 107.14 | 2313.30 | 37863.04 |
| 45 | 2029-10 | 2420.44 | 100.97 | 2319.47 | 35543.57 |
| 46 | 2029-11 | 2420.44 | 94.78 | 2325.65 | 33217.92 |
| 47 | 2029-12 | 2420.44 | 88.58 | 2331.86 | 30886.06 |
| 48 | 2030-01 | 2420.44 | 82.36 | 2338.07 | 28547.99 |
| 49 | 2030-02 | 2420.44 | 76.13 | 2344.31 | 26203.68 |
| 50 | 2030-03 | 2420.44 | 69.88 | 2350.56 | 23853.12 |
| 51 | 2030-04 | 2420.44 | 63.61 | 2356.83 | 21496.29 |
| 52 | 2030-05 | 2420.44 | 57.32 | 2363.11 | 19133.18 |
| 53 | 2030-06 | 2420.44 | 51.02 | 2369.41 | 16763.76 |
| 54 | 2030-07 | 2420.44 | 44.70 | 2375.73 | 14388.03 |
| 55 | 2030-08 | 2420.44 | 38.37 | 2382.07 | 12005.96 |
| 56 | 2030-09 | 2420.44 | 32.02 | 2388.42 | 9617.54 |
| 57 | 2030-10 | 2420.44 | 25.65 | 2394.79 | 7222.75 |
| 58 | 2030-11 | 2420.44 | 19.26 | 2401.18 | 4821.58 |
| 59 | 2030-12 | 2420.44 | 12.86 | 2407.58 | 2414.00 |
| 60 | 2031-01 | 2420.44 | 6.44 | 2414.00 | 0.00 |
等额本金还款方式：
贷款总额：13.4万
还款月数：5年
首月还款：2591.42元
每月递减：5.96元
利息总额：1.09万
本息合计：14.49万
节省利息：285.37元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 2591.42 | 357.44 | 2233.98 | 131804.99 |
| 2 | 2026-03 | 2585.46 | 351.48 | 2233.98 | 129571.00 |
| 3 | 2026-04 | 2579.51 | 345.52 | 2233.98 | 127337.02 |
| 4 | 2026-05 | 2573.55 | 339.57 | 2233.98 | 125103.04 |
| 5 | 2026-06 | 2567.59 | 333.61 | 2233.98 | 122869.06 |
| 6 | 2026-07 | 2561.63 | 327.65 | 2233.98 | 120635.07 |
| 7 | 2026-08 | 2555.68 | 321.69 | 2233.98 | 118401.09 |
| 8 | 2026-09 | 2549.72 | 315.74 | 2233.98 | 116167.11 |
| 9 | 2026-10 | 2543.76 | 309.78 | 2233.98 | 113933.12 |
| 10 | 2026-11 | 2537.80 | 303.82 | 2233.98 | 111699.14 |
| 11 | 2026-12 | 2531.85 | 297.86 | 2233.98 | 109465.16 |
| 12 | 2027-01 | 2525.89 | 291.91 | 2233.98 | 107231.18 |
| 13 | 2027-02 | 2519.93 | 285.95 | 2233.98 | 104997.19 |
| 14 | 2027-03 | 2513.98 | 279.99 | 2233.98 | 102763.21 |
| 15 | 2027-04 | 2508.02 | 274.04 | 2233.98 | 100529.23 |
| 16 | 2027-05 | 2502.06 | 268.08 | 2233.98 | 98295.24 |
| 17 | 2027-06 | 2496.10 | 262.12 | 2233.98 | 96061.26 |
| 18 | 2027-07 | 2490.15 | 256.16 | 2233.98 | 93827.28 |
| 19 | 2027-08 | 2484.19 | 250.21 | 2233.98 | 91593.30 |
| 20 | 2027-09 | 2478.23 | 244.25 | 2233.98 | 89359.31 |
| 21 | 2027-10 | 2472.27 | 238.29 | 2233.98 | 87125.33 |
| 22 | 2027-11 | 2466.32 | 232.33 | 2233.98 | 84891.35 |
| 23 | 2027-12 | 2460.36 | 226.38 | 2233.98 | 82657.36 |
| 24 | 2028-01 | 2454.40 | 220.42 | 2233.98 | 80423.38 |
| 25 | 2028-02 | 2448.45 | 214.46 | 2233.98 | 78189.40 |
| 26 | 2028-03 | 2442.49 | 208.51 | 2233.98 | 75955.42 |
| 27 | 2028-04 | 2436.53 | 202.55 | 2233.98 | 73721.43 |
| 28 | 2028-05 | 2430.57 | 196.59 | 2233.98 | 71487.45 |
| 29 | 2028-06 | 2424.62 | 190.63 | 2233.98 | 69253.47 |
| 30 | 2028-07 | 2418.66 | 184.68 | 2233.98 | 67019.49 |
| 31 | 2028-08 | 2412.70 | 178.72 | 2233.98 | 64785.50 |
| 32 | 2028-09 | 2406.74 | 172.76 | 2233.98 | 62551.52 |
| 33 | 2028-10 | 2400.79 | 166.80 | 2233.98 | 60317.54 |
| 34 | 2028-11 | 2394.83 | 160.85 | 2233.98 | 58083.55 |
| 35 | 2028-12 | 2388.87 | 154.89 | 2233.98 | 55849.57 |
| 36 | 2029-01 | 2382.92 | 148.93 | 2233.98 | 53615.59 |
| 37 | 2029-02 | 2376.96 | 142.97 | 2233.98 | 51381.61 |
| 38 | 2029-03 | 2371.00 | 137.02 | 2233.98 | 49147.62 |
| 39 | 2029-04 | 2365.04 | 131.06 | 2233.98 | 46913.64 |
| 40 | 2029-05 | 2359.09 | 125.10 | 2233.98 | 44679.66 |
| 41 | 2029-06 | 2353.13 | 119.15 | 2233.98 | 42445.67 |
| 42 | 2029-07 | 2347.17 | 113.19 | 2233.98 | 40211.69 |
| 43 | 2029-08 | 2341.21 | 107.23 | 2233.98 | 37977.71 |
| 44 | 2029-09 | 2335.26 | 101.27 | 2233.98 | 35743.73 |
| 45 | 2029-10 | 2329.30 | 95.32 | 2233.98 | 33509.74 |
| 46 | 2029-11 | 2323.34 | 89.36 | 2233.98 | 31275.76 |
| 47 | 2029-12 | 2317.38 | 83.40 | 2233.98 | 29041.78 |
| 48 | 2030-01 | 2311.43 | 77.44 | 2233.98 | 26807.79 |
| 49 | 2030-02 | 2305.47 | 71.49 | 2233.98 | 24573.81 |
| 50 | 2030-03 | 2299.51 | 65.53 | 2233.98 | 22339.83 |
| 51 | 2030-04 | 2293.56 | 59.57 | 2233.98 | 20105.85 |
| 52 | 2030-05 | 2287.60 | 53.62 | 2233.98 | 17871.86 |
| 53 | 2030-06 | 2281.64 | 47.66 | 2233.98 | 15637.88 |
| 54 | 2030-07 | 2275.68 | 41.70 | 2233.98 | 13403.90 |
| 55 | 2030-08 | 2269.73 | 35.74 | 2233.98 | 11169.91 |
| 56 | 2030-09 | 2263.77 | 29.79 | 2233.98 | 8935.93 |
| 57 | 2030-10 | 2257.81 | 23.83 | 2233.98 | 6701.95 |
| 58 | 2030-11 | 2251.85 | 17.87 | 2233.98 | 4467.97 |
| 59 | 2030-12 | 2245.90 | 11.91 | 2233.98 | 2233.98 |
| 60 | 2031-01 | 2239.94 | 5.96 | 2233.98 | 0.00 |