贷款6000元（商业贷款）房贷，还款4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：6000元
还款月数：4年
每月还款：134.27元
利息总额：444.93元
本息合计：6444.93元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 134.27 | 17.75 | 116.52 | 5883.48 |
| 2 | 2026-04 | 134.27 | 17.41 | 116.86 | 5766.62 |
| 3 | 2026-05 | 134.27 | 17.06 | 117.21 | 5649.41 |
| 4 | 2026-06 | 134.27 | 16.71 | 117.56 | 5531.85 |
| 5 | 2026-07 | 134.27 | 16.37 | 117.90 | 5413.95 |
| 6 | 2026-08 | 134.27 | 16.02 | 118.25 | 5295.69 |
| 7 | 2026-09 | 134.27 | 15.67 | 118.60 | 5177.09 |
| 8 | 2026-10 | 134.27 | 15.32 | 118.95 | 5058.14 |
| 9 | 2026-11 | 134.27 | 14.96 | 119.31 | 4938.83 |
| 10 | 2026-12 | 134.27 | 14.61 | 119.66 | 4819.17 |
| 11 | 2027-01 | 134.27 | 14.26 | 120.01 | 4699.16 |
| 12 | 2027-02 | 134.27 | 13.90 | 120.37 | 4578.79 |
| 13 | 2027-03 | 134.27 | 13.55 | 120.72 | 4458.07 |
| 14 | 2027-04 | 134.27 | 13.19 | 121.08 | 4336.99 |
| 15 | 2027-05 | 134.27 | 12.83 | 121.44 | 4215.55 |
| 16 | 2027-06 | 134.27 | 12.47 | 121.80 | 4093.75 |
| 17 | 2027-07 | 134.27 | 12.11 | 122.16 | 3971.59 |
| 18 | 2027-08 | 134.27 | 11.75 | 122.52 | 3849.07 |
| 19 | 2027-09 | 134.27 | 11.39 | 122.88 | 3726.19 |
| 20 | 2027-10 | 134.27 | 11.02 | 123.25 | 3602.94 |
| 21 | 2027-11 | 134.27 | 10.66 | 123.61 | 3479.33 |
| 22 | 2027-12 | 134.27 | 10.29 | 123.98 | 3355.35 |
| 23 | 2028-01 | 134.27 | 9.93 | 124.34 | 3231.01 |
| 24 | 2028-02 | 134.27 | 9.56 | 124.71 | 3106.30 |
| 25 | 2028-03 | 134.27 | 9.19 | 125.08 | 2981.22 |
| 26 | 2028-04 | 134.27 | 8.82 | 125.45 | 2855.77 |
| 27 | 2028-05 | 134.27 | 8.45 | 125.82 | 2729.95 |
| 28 | 2028-06 | 134.27 | 8.08 | 126.19 | 2603.75 |
| 29 | 2028-07 | 134.27 | 7.70 | 126.57 | 2477.19 |
| 30 | 2028-08 | 134.27 | 7.33 | 126.94 | 2350.25 |
| 31 | 2028-09 | 134.27 | 6.95 | 127.32 | 2222.93 |
| 32 | 2028-10 | 134.27 | 6.58 | 127.69 | 2095.24 |
| 33 | 2028-11 | 134.27 | 6.20 | 128.07 | 1967.16 |
| 34 | 2028-12 | 134.27 | 5.82 | 128.45 | 1838.71 |
| 35 | 2029-01 | 134.27 | 5.44 | 128.83 | 1709.89 |
| 36 | 2029-02 | 134.27 | 5.06 | 129.21 | 1580.67 |
| 37 | 2029-03 | 134.27 | 4.68 | 129.59 | 1451.08 |
| 38 | 2029-04 | 134.27 | 4.29 | 129.98 | 1321.10 |
| 39 | 2029-05 | 134.27 | 3.91 | 130.36 | 1190.74 |
| 40 | 2029-06 | 134.27 | 3.52 | 130.75 | 1060.00 |
| 41 | 2029-07 | 134.27 | 3.14 | 131.13 | 928.86 |
| 42 | 2029-08 | 134.27 | 2.75 | 131.52 | 797.34 |
| 43 | 2029-09 | 134.27 | 2.36 | 131.91 | 665.43 |
| 44 | 2029-10 | 134.27 | 1.97 | 132.30 | 533.13 |
| 45 | 2029-11 | 134.27 | 1.58 | 132.69 | 400.44 |
| 46 | 2029-12 | 134.27 | 1.18 | 133.08 | 267.35 |
| 47 | 2030-01 | 134.27 | 0.79 | 133.48 | 133.87 |
| 48 | 2030-02 | 134.27 | 0.40 | 133.87 | 0.00 |
等额本金还款方式：
贷款总额：6000元
还款月数：4年
首月还款：142.75元
每月递减：0.37元
利息总额：434.88元
本息合计：6434.88元
节省利息：10.06元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 142.75 | 17.75 | 125.00 | 5875.00 |
| 2 | 2026-04 | 142.38 | 17.38 | 125.00 | 5750.00 |
| 3 | 2026-05 | 142.01 | 17.01 | 125.00 | 5625.00 |
| 4 | 2026-06 | 141.64 | 16.64 | 125.00 | 5500.00 |
| 5 | 2026-07 | 141.27 | 16.27 | 125.00 | 5375.00 |
| 6 | 2026-08 | 140.90 | 15.90 | 125.00 | 5250.00 |
| 7 | 2026-09 | 140.53 | 15.53 | 125.00 | 5125.00 |
| 8 | 2026-10 | 140.16 | 15.16 | 125.00 | 5000.00 |
| 9 | 2026-11 | 139.79 | 14.79 | 125.00 | 4875.00 |
| 10 | 2026-12 | 139.42 | 14.42 | 125.00 | 4750.00 |
| 11 | 2027-01 | 139.05 | 14.05 | 125.00 | 4625.00 |
| 12 | 2027-02 | 138.68 | 13.68 | 125.00 | 4500.00 |
| 13 | 2027-03 | 138.31 | 13.31 | 125.00 | 4375.00 |
| 14 | 2027-04 | 137.94 | 12.94 | 125.00 | 4250.00 |
| 15 | 2027-05 | 137.57 | 12.57 | 125.00 | 4125.00 |
| 16 | 2027-06 | 137.20 | 12.20 | 125.00 | 4000.00 |
| 17 | 2027-07 | 136.83 | 11.83 | 125.00 | 3875.00 |
| 18 | 2027-08 | 136.46 | 11.46 | 125.00 | 3750.00 |
| 19 | 2027-09 | 136.09 | 11.09 | 125.00 | 3625.00 |
| 20 | 2027-10 | 135.72 | 10.72 | 125.00 | 3500.00 |
| 21 | 2027-11 | 135.35 | 10.35 | 125.00 | 3375.00 |
| 22 | 2027-12 | 134.98 | 9.98 | 125.00 | 3250.00 |
| 23 | 2028-01 | 134.61 | 9.61 | 125.00 | 3125.00 |
| 24 | 2028-02 | 134.24 | 9.24 | 125.00 | 3000.00 |
| 25 | 2028-03 | 133.88 | 8.88 | 125.00 | 2875.00 |
| 26 | 2028-04 | 133.51 | 8.51 | 125.00 | 2750.00 |
| 27 | 2028-05 | 133.14 | 8.14 | 125.00 | 2625.00 |
| 28 | 2028-06 | 132.77 | 7.77 | 125.00 | 2500.00 |
| 29 | 2028-07 | 132.40 | 7.40 | 125.00 | 2375.00 |
| 30 | 2028-08 | 132.03 | 7.03 | 125.00 | 2250.00 |
| 31 | 2028-09 | 131.66 | 6.66 | 125.00 | 2125.00 |
| 32 | 2028-10 | 131.29 | 6.29 | 125.00 | 2000.00 |
| 33 | 2028-11 | 130.92 | 5.92 | 125.00 | 1875.00 |
| 34 | 2028-12 | 130.55 | 5.55 | 125.00 | 1750.00 |
| 35 | 2029-01 | 130.18 | 5.18 | 125.00 | 1625.00 |
| 36 | 2029-02 | 129.81 | 4.81 | 125.00 | 1500.00 |
| 37 | 2029-03 | 129.44 | 4.44 | 125.00 | 1375.00 |
| 38 | 2029-04 | 129.07 | 4.07 | 125.00 | 1250.00 |
| 39 | 2029-05 | 128.70 | 3.70 | 125.00 | 1125.00 |
| 40 | 2029-06 | 128.33 | 3.33 | 125.00 | 1000.00 |
| 41 | 2029-07 | 127.96 | 2.96 | 125.00 | 875.00 |
| 42 | 2029-08 | 127.59 | 2.59 | 125.00 | 750.00 |
| 43 | 2029-09 | 127.22 | 2.22 | 125.00 | 625.00 |
| 44 | 2029-10 | 126.85 | 1.85 | 125.00 | 500.00 |
| 45 | 2029-11 | 126.48 | 1.48 | 125.00 | 375.00 |
| 46 | 2029-12 | 126.11 | 1.11 | 125.00 | 250.00 |
| 47 | 2030-01 | 125.74 | 0.74 | 125.00 | 125.00 |
| 48 | 2030-02 | 125.37 | 0.37 | 125.00 | 0.00 |