贷款9.01万（商业贷款）房贷，还款3年4个月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：9.01万
还款月数：3年4个月
每月还款：2373.79元
利息总额：4851.55元
本息合计：9.5万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 2373.79 | 232.76 | 2141.03 | 87958.97 |
| 2 | 2025-09 | 2373.79 | 227.23 | 2146.56 | 85812.41 |
| 3 | 2025-10 | 2373.79 | 221.68 | 2152.11 | 83660.30 |
| 4 | 2025-11 | 2373.79 | 216.12 | 2157.67 | 81502.64 |
| 5 | 2025-12 | 2373.79 | 210.55 | 2163.24 | 79339.39 |
| 6 | 2026-01 | 2373.79 | 204.96 | 2168.83 | 77170.57 |
| 7 | 2026-02 | 2373.79 | 199.36 | 2174.43 | 74996.13 |
| 8 | 2026-03 | 2373.79 | 193.74 | 2180.05 | 72816.09 |
| 9 | 2026-04 | 2373.79 | 188.11 | 2185.68 | 70630.41 |
| 10 | 2026-05 | 2373.79 | 182.46 | 2191.33 | 68439.08 |
| 11 | 2026-06 | 2373.79 | 176.80 | 2196.99 | 66242.09 |
| 12 | 2026-07 | 2373.79 | 171.13 | 2202.66 | 64039.43 |
| 13 | 2026-08 | 2373.79 | 165.44 | 2208.35 | 61831.07 |
| 14 | 2026-09 | 2373.79 | 159.73 | 2214.06 | 59617.02 |
| 15 | 2026-10 | 2373.79 | 154.01 | 2219.78 | 57397.24 |
| 16 | 2026-11 | 2373.79 | 148.28 | 2225.51 | 55171.72 |
| 17 | 2026-12 | 2373.79 | 142.53 | 2231.26 | 52940.46 |
| 18 | 2027-01 | 2373.79 | 136.76 | 2237.03 | 50703.44 |
| 19 | 2027-02 | 2373.79 | 130.98 | 2242.80 | 48460.63 |
| 20 | 2027-03 | 2373.79 | 125.19 | 2248.60 | 46212.03 |
| 21 | 2027-04 | 2373.79 | 119.38 | 2254.41 | 43957.63 |
| 22 | 2027-05 | 2373.79 | 113.56 | 2260.23 | 41697.39 |
| 23 | 2027-06 | 2373.79 | 107.72 | 2266.07 | 39431.32 |
| 24 | 2027-07 | 2373.79 | 101.86 | 2271.92 | 37159.40 |
| 25 | 2027-08 | 2373.79 | 96.00 | 2277.79 | 34881.61 |
| 26 | 2027-09 | 2373.79 | 90.11 | 2283.68 | 32597.93 |
| 27 | 2027-10 | 2373.79 | 84.21 | 2289.58 | 30308.35 |
| 28 | 2027-11 | 2373.79 | 78.30 | 2295.49 | 28012.86 |
| 29 | 2027-12 | 2373.79 | 72.37 | 2301.42 | 25711.44 |
| 30 | 2028-01 | 2373.79 | 66.42 | 2307.37 | 23404.07 |
| 31 | 2028-02 | 2373.79 | 60.46 | 2313.33 | 21090.74 |
| 32 | 2028-03 | 2373.79 | 54.48 | 2319.30 | 18771.44 |
| 33 | 2028-04 | 2373.79 | 48.49 | 2325.30 | 16446.14 |
| 34 | 2028-05 | 2373.79 | 42.49 | 2331.30 | 14114.84 |
| 35 | 2028-06 | 2373.79 | 36.46 | 2337.33 | 11777.51 |
| 36 | 2028-07 | 2373.79 | 30.43 | 2343.36 | 9434.15 |
| 37 | 2028-08 | 2373.79 | 24.37 | 2349.42 | 7084.73 |
| 38 | 2028-09 | 2373.79 | 18.30 | 2355.49 | 4729.24 |
| 39 | 2028-10 | 2373.79 | 12.22 | 2361.57 | 2367.67 |
| 40 | 2028-11 | 2373.79 | 6.12 | 2367.67 | 0.00 |
等额本金还款方式：
贷款总额：9.01万
还款月数：3年4个月
首月还款：2485.26元
每月递减：5.82元
利息总额：4771.55元
本息合计：9.49万
节省利息：80元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 2485.26 | 232.76 | 2252.50 | 87847.50 |
| 2 | 2025-09 | 2479.44 | 226.94 | 2252.50 | 85595.00 |
| 3 | 2025-10 | 2473.62 | 221.12 | 2252.50 | 83342.50 |
| 4 | 2025-11 | 2467.80 | 215.30 | 2252.50 | 81090.00 |
| 5 | 2025-12 | 2461.98 | 209.48 | 2252.50 | 78837.50 |
| 6 | 2026-01 | 2456.16 | 203.66 | 2252.50 | 76585.00 |
| 7 | 2026-02 | 2450.34 | 197.84 | 2252.50 | 74332.50 |
| 8 | 2026-03 | 2444.53 | 192.03 | 2252.50 | 72080.00 |
| 9 | 2026-04 | 2438.71 | 186.21 | 2252.50 | 69827.50 |
| 10 | 2026-05 | 2432.89 | 180.39 | 2252.50 | 67575.00 |
| 11 | 2026-06 | 2427.07 | 174.57 | 2252.50 | 65322.50 |
| 12 | 2026-07 | 2421.25 | 168.75 | 2252.50 | 63070.00 |
| 13 | 2026-08 | 2415.43 | 162.93 | 2252.50 | 60817.50 |
| 14 | 2026-09 | 2409.61 | 157.11 | 2252.50 | 58565.00 |
| 15 | 2026-10 | 2403.79 | 151.29 | 2252.50 | 56312.50 |
| 16 | 2026-11 | 2397.97 | 145.47 | 2252.50 | 54060.00 |
| 17 | 2026-12 | 2392.16 | 139.66 | 2252.50 | 51807.50 |
| 18 | 2027-01 | 2386.34 | 133.84 | 2252.50 | 49555.00 |
| 19 | 2027-02 | 2380.52 | 128.02 | 2252.50 | 47302.50 |
| 20 | 2027-03 | 2374.70 | 122.20 | 2252.50 | 45050.00 |
| 21 | 2027-04 | 2368.88 | 116.38 | 2252.50 | 42797.50 |
| 22 | 2027-05 | 2363.06 | 110.56 | 2252.50 | 40545.00 |
| 23 | 2027-06 | 2357.24 | 104.74 | 2252.50 | 38292.50 |
| 24 | 2027-07 | 2351.42 | 98.92 | 2252.50 | 36040.00 |
| 25 | 2027-08 | 2345.60 | 93.10 | 2252.50 | 33787.50 |
| 26 | 2027-09 | 2339.78 | 87.28 | 2252.50 | 31535.00 |
| 27 | 2027-10 | 2333.97 | 81.47 | 2252.50 | 29282.50 |
| 28 | 2027-11 | 2328.15 | 75.65 | 2252.50 | 27030.00 |
| 29 | 2027-12 | 2322.33 | 69.83 | 2252.50 | 24777.50 |
| 30 | 2028-01 | 2316.51 | 64.01 | 2252.50 | 22525.00 |
| 31 | 2028-02 | 2310.69 | 58.19 | 2252.50 | 20272.50 |
| 32 | 2028-03 | 2304.87 | 52.37 | 2252.50 | 18020.00 |
| 33 | 2028-04 | 2299.05 | 46.55 | 2252.50 | 15767.50 |
| 34 | 2028-05 | 2293.23 | 40.73 | 2252.50 | 13515.00 |
| 35 | 2028-06 | 2287.41 | 34.91 | 2252.50 | 11262.50 |
| 36 | 2028-07 | 2281.59 | 29.09 | 2252.50 | 9010.00 |
| 37 | 2028-08 | 2275.78 | 23.28 | 2252.50 | 6757.50 |
| 38 | 2028-09 | 2269.96 | 17.46 | 2252.50 | 4505.00 |
| 39 | 2028-10 | 2264.14 | 11.64 | 2252.50 | 2252.50 |
| 40 | 2028-11 | 2258.32 | 5.82 | 2252.50 | 0.00 |