贷款120元（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：120元
还款月数：5年
每月还款：2.16元
利息总额：9.53元
本息合计：129.53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 | 2.16 | 0.30 | 1.85 | 118.15 |
| 2 | 2025-07 | 2.16 | 0.30 | 1.86 | 116.29 |
| 3 | 2025-08 | 2.16 | 0.30 | 1.86 | 114.42 |
| 4 | 2025-09 | 2.16 | 0.29 | 1.87 | 112.56 |
| 5 | 2025-10 | 2.16 | 0.29 | 1.87 | 110.68 |
| 6 | 2025-11 | 2.16 | 0.28 | 1.88 | 108.81 |
| 7 | 2025-12 | 2.16 | 0.28 | 1.88 | 106.92 |
| 8 | 2026-01 | 2.16 | 0.27 | 1.89 | 105.04 |
| 9 | 2026-02 | 2.16 | 0.27 | 1.89 | 103.14 |
| 10 | 2026-03 | 2.16 | 0.26 | 1.90 | 101.25 |
| 11 | 2026-04 | 2.16 | 0.26 | 1.90 | 99.35 |
| 12 | 2026-05 | 2.16 | 0.25 | 1.91 | 97.44 |
| 13 | 2026-06 | 2.16 | 0.25 | 1.91 | 95.53 |
| 14 | 2026-07 | 2.16 | 0.24 | 1.92 | 93.61 |
| 15 | 2026-08 | 2.16 | 0.24 | 1.92 | 91.69 |
| 16 | 2026-09 | 2.16 | 0.23 | 1.93 | 89.77 |
| 17 | 2026-10 | 2.16 | 0.23 | 1.93 | 87.83 |
| 18 | 2026-11 | 2.16 | 0.22 | 1.94 | 85.90 |
| 19 | 2026-12 | 2.16 | 0.22 | 1.94 | 83.96 |
| 20 | 2027-01 | 2.16 | 0.21 | 1.95 | 82.01 |
| 21 | 2027-02 | 2.16 | 0.21 | 1.95 | 80.06 |
| 22 | 2027-03 | 2.16 | 0.20 | 1.96 | 78.11 |
| 23 | 2027-04 | 2.16 | 0.20 | 1.96 | 76.15 |
| 24 | 2027-05 | 2.16 | 0.19 | 1.97 | 74.18 |
| 25 | 2027-06 | 2.16 | 0.19 | 1.97 | 72.21 |
| 26 | 2027-07 | 2.16 | 0.18 | 1.98 | 70.24 |
| 27 | 2027-08 | 2.16 | 0.18 | 1.98 | 68.25 |
| 28 | 2027-09 | 2.16 | 0.17 | 1.99 | 66.27 |
| 29 | 2027-10 | 2.16 | 0.17 | 1.99 | 64.28 |
| 30 | 2027-11 | 2.16 | 0.16 | 2.00 | 62.28 |
| 31 | 2027-12 | 2.16 | 0.16 | 2.00 | 60.28 |
| 32 | 2028-01 | 2.16 | 0.15 | 2.01 | 58.28 |
| 33 | 2028-02 | 2.16 | 0.15 | 2.01 | 56.27 |
| 34 | 2028-03 | 2.16 | 0.14 | 2.02 | 54.25 |
| 35 | 2028-04 | 2.16 | 0.14 | 2.02 | 52.23 |
| 36 | 2028-05 | 2.16 | 0.13 | 2.03 | 50.20 |
| 37 | 2028-06 | 2.16 | 0.13 | 2.03 | 48.17 |
| 38 | 2028-07 | 2.16 | 0.12 | 2.04 | 46.14 |
| 39 | 2028-08 | 2.16 | 0.12 | 2.04 | 44.09 |
| 40 | 2028-09 | 2.16 | 0.11 | 2.05 | 42.05 |
| 41 | 2028-10 | 2.16 | 0.11 | 2.05 | 40.00 |
| 42 | 2028-11 | 2.16 | 0.10 | 2.06 | 37.94 |
| 43 | 2028-12 | 2.16 | 0.10 | 2.06 | 35.88 |
| 44 | 2029-01 | 2.16 | 0.09 | 2.07 | 33.81 |
| 45 | 2029-02 | 2.16 | 0.09 | 2.07 | 31.73 |
| 46 | 2029-03 | 2.16 | 0.08 | 2.08 | 29.66 |
| 47 | 2029-04 | 2.16 | 0.08 | 2.08 | 27.57 |
| 48 | 2029-05 | 2.16 | 0.07 | 2.09 | 25.48 |
| 49 | 2029-06 | 2.16 | 0.06 | 2.09 | 23.39 |
| 50 | 2029-07 | 2.16 | 0.06 | 2.10 | 21.29 |
| 51 | 2029-08 | 2.16 | 0.05 | 2.10 | 19.19 |
| 52 | 2029-09 | 2.16 | 0.05 | 2.11 | 17.08 |
| 53 | 2029-10 | 2.16 | 0.04 | 2.12 | 14.96 |
| 54 | 2029-11 | 2.16 | 0.04 | 2.12 | 12.84 |
| 55 | 2029-12 | 2.16 | 0.03 | 2.13 | 10.71 |
| 56 | 2030-01 | 2.16 | 0.03 | 2.13 | 8.58 |
| 57 | 2030-02 | 2.16 | 0.02 | 2.14 | 6.44 |
| 58 | 2030-03 | 2.16 | 0.02 | 2.14 | 4.30 |
| 59 | 2030-04 | 2.16 | 0.01 | 2.15 | 2.15 |
| 60 | 2030-05 | 2.16 | 0.01 | 2.15 | 0.00 |
等额本金还款方式：
贷款总额：120元
还款月数：5年
首月还款：2.31元
每月递减：0.01元
利息总额：9.3元
本息合计：129.3元
节省利息：0.23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 | 2.31 | 0.30 | 2.00 | 118.00 |
| 2 | 2025-07 | 2.30 | 0.30 | 2.00 | 116.00 |
| 3 | 2025-08 | 2.29 | 0.29 | 2.00 | 114.00 |
| 4 | 2025-09 | 2.29 | 0.29 | 2.00 | 112.00 |
| 5 | 2025-10 | 2.28 | 0.28 | 2.00 | 110.00 |
| 6 | 2025-11 | 2.28 | 0.28 | 2.00 | 108.00 |
| 7 | 2025-12 | 2.27 | 0.27 | 2.00 | 106.00 |
| 8 | 2026-01 | 2.27 | 0.27 | 2.00 | 104.00 |
| 9 | 2026-02 | 2.26 | 0.26 | 2.00 | 102.00 |
| 10 | 2026-03 | 2.26 | 0.26 | 2.00 | 100.00 |
| 11 | 2026-04 | 2.25 | 0.25 | 2.00 | 98.00 |
| 12 | 2026-05 | 2.25 | 0.25 | 2.00 | 96.00 |
| 13 | 2026-06 | 2.24 | 0.24 | 2.00 | 94.00 |
| 14 | 2026-07 | 2.24 | 0.24 | 2.00 | 92.00 |
| 15 | 2026-08 | 2.23 | 0.23 | 2.00 | 90.00 |
| 16 | 2026-09 | 2.23 | 0.23 | 2.00 | 88.00 |
| 17 | 2026-10 | 2.22 | 0.22 | 2.00 | 86.00 |
| 18 | 2026-11 | 2.22 | 0.22 | 2.00 | 84.00 |
| 19 | 2026-12 | 2.21 | 0.21 | 2.00 | 82.00 |
| 20 | 2027-01 | 2.21 | 0.21 | 2.00 | 80.00 |
| 21 | 2027-02 | 2.20 | 0.20 | 2.00 | 78.00 |
| 22 | 2027-03 | 2.20 | 0.20 | 2.00 | 76.00 |
| 23 | 2027-04 | 2.19 | 0.19 | 2.00 | 74.00 |
| 24 | 2027-05 | 2.19 | 0.19 | 2.00 | 72.00 |
| 25 | 2027-06 | 2.18 | 0.18 | 2.00 | 70.00 |
| 26 | 2027-07 | 2.18 | 0.18 | 2.00 | 68.00 |
| 27 | 2027-08 | 2.17 | 0.17 | 2.00 | 66.00 |
| 28 | 2027-09 | 2.17 | 0.17 | 2.00 | 64.00 |
| 29 | 2027-10 | 2.16 | 0.16 | 2.00 | 62.00 |
| 30 | 2027-11 | 2.16 | 0.16 | 2.00 | 60.00 |
| 31 | 2027-12 | 2.15 | 0.15 | 2.00 | 58.00 |
| 32 | 2028-01 | 2.15 | 0.15 | 2.00 | 56.00 |
| 33 | 2028-02 | 2.14 | 0.14 | 2.00 | 54.00 |
| 34 | 2028-03 | 2.14 | 0.14 | 2.00 | 52.00 |
| 35 | 2028-04 | 2.13 | 0.13 | 2.00 | 50.00 |
| 36 | 2028-05 | 2.13 | 0.13 | 2.00 | 48.00 |
| 37 | 2028-06 | 2.12 | 0.12 | 2.00 | 46.00 |
| 38 | 2028-07 | 2.12 | 0.12 | 2.00 | 44.00 |
| 39 | 2028-08 | 2.11 | 0.11 | 2.00 | 42.00 |
| 40 | 2028-09 | 2.11 | 0.11 | 2.00 | 40.00 |
| 41 | 2028-10 | 2.10 | 0.10 | 2.00 | 38.00 |
| 42 | 2028-11 | 2.10 | 0.10 | 2.00 | 36.00 |
| 43 | 2028-12 | 2.09 | 0.09 | 2.00 | 34.00 |
| 44 | 2029-01 | 2.09 | 0.09 | 2.00 | 32.00 |
| 45 | 2029-02 | 2.08 | 0.08 | 2.00 | 30.00 |
| 46 | 2029-03 | 2.08 | 0.08 | 2.00 | 28.00 |
| 47 | 2029-04 | 2.07 | 0.07 | 2.00 | 26.00 |
| 48 | 2029-05 | 2.07 | 0.07 | 2.00 | 24.00 |
| 49 | 2029-06 | 2.06 | 0.06 | 2.00 | 22.00 |
| 50 | 2029-07 | 2.06 | 0.06 | 2.00 | 20.00 |
| 51 | 2029-08 | 2.05 | 0.05 | 2.00 | 18.00 |
| 52 | 2029-09 | 2.05 | 0.05 | 2.00 | 16.00 |
| 53 | 2029-10 | 2.04 | 0.04 | 2.00 | 14.00 |
| 54 | 2029-11 | 2.04 | 0.04 | 2.00 | 12.00 |
| 55 | 2029-12 | 2.03 | 0.03 | 2.00 | 10.00 |
| 56 | 2030-01 | 2.03 | 0.03 | 2.00 | 8.00 |
| 57 | 2030-02 | 2.02 | 0.02 | 2.00 | 6.00 |
| 58 | 2030-03 | 2.02 | 0.02 | 2.00 | 4.00 |
| 59 | 2030-04 | 2.01 | 0.01 | 2.00 | 2.00 |
| 60 | 2030-05 | 2.01 | 0.01 | 2.00 | 0.00 |