贷款1000元（商业贷款）房贷，还款4年5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：1000元
还款月数：4年5个月
每月还款：20.35元
利息总额：78.38元
本息合计：1078.38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 | 20.35 | 2.83 | 17.51 | 982.49 |
| 2 | 2025-07 | 20.35 | 2.78 | 17.56 | 964.92 |
| 3 | 2025-08 | 20.35 | 2.73 | 17.61 | 947.31 |
| 4 | 2025-09 | 20.35 | 2.68 | 17.66 | 929.65 |
| 5 | 2025-10 | 20.35 | 2.63 | 17.71 | 911.94 |
| 6 | 2025-11 | 20.35 | 2.58 | 17.76 | 894.17 |
| 7 | 2025-12 | 20.35 | 2.53 | 17.81 | 876.36 |
| 8 | 2026-01 | 20.35 | 2.48 | 17.86 | 858.50 |
| 9 | 2026-02 | 20.35 | 2.43 | 17.91 | 840.58 |
| 10 | 2026-03 | 20.35 | 2.38 | 17.97 | 822.62 |
| 11 | 2026-04 | 20.35 | 2.33 | 18.02 | 804.60 |
| 12 | 2026-05 | 20.35 | 2.28 | 18.07 | 786.53 |
| 13 | 2026-06 | 20.35 | 2.23 | 18.12 | 768.42 |
| 14 | 2026-07 | 20.35 | 2.18 | 18.17 | 750.25 |
| 15 | 2026-08 | 20.35 | 2.13 | 18.22 | 732.02 |
| 16 | 2026-09 | 20.35 | 2.07 | 18.27 | 713.75 |
| 17 | 2026-10 | 20.35 | 2.02 | 18.32 | 695.43 |
| 18 | 2026-11 | 20.35 | 1.97 | 18.38 | 677.05 |
| 19 | 2026-12 | 20.35 | 1.92 | 18.43 | 658.62 |
| 20 | 2027-01 | 20.35 | 1.87 | 18.48 | 640.14 |
| 21 | 2027-02 | 20.35 | 1.81 | 18.53 | 621.61 |
| 22 | 2027-03 | 20.35 | 1.76 | 18.59 | 603.02 |
| 23 | 2027-04 | 20.35 | 1.71 | 18.64 | 584.39 |
| 24 | 2027-05 | 20.35 | 1.66 | 18.69 | 565.69 |
| 25 | 2027-06 | 20.35 | 1.60 | 18.74 | 546.95 |
| 26 | 2027-07 | 20.35 | 1.55 | 18.80 | 528.15 |
| 27 | 2027-08 | 20.35 | 1.50 | 18.85 | 509.30 |
| 28 | 2027-09 | 20.35 | 1.44 | 18.90 | 490.40 |
| 29 | 2027-10 | 20.35 | 1.39 | 18.96 | 471.44 |
| 30 | 2027-11 | 20.35 | 1.34 | 19.01 | 452.43 |
| 31 | 2027-12 | 20.35 | 1.28 | 19.06 | 433.37 |
| 32 | 2028-01 | 20.35 | 1.23 | 19.12 | 414.25 |
| 33 | 2028-02 | 20.35 | 1.17 | 19.17 | 395.08 |
| 34 | 2028-03 | 20.35 | 1.12 | 19.23 | 375.85 |
| 35 | 2028-04 | 20.35 | 1.06 | 19.28 | 356.57 |
| 36 | 2028-05 | 20.35 | 1.01 | 19.34 | 337.23 |
| 37 | 2028-06 | 20.35 | 0.96 | 19.39 | 317.84 |
| 38 | 2028-07 | 20.35 | 0.90 | 19.45 | 298.39 |
| 39 | 2028-08 | 20.35 | 0.85 | 19.50 | 278.89 |
| 40 | 2028-09 | 20.35 | 0.79 | 19.56 | 259.33 |
| 41 | 2028-10 | 20.35 | 0.73 | 19.61 | 239.72 |
| 42 | 2028-11 | 20.35 | 0.68 | 19.67 | 220.06 |
| 43 | 2028-12 | 20.35 | 0.62 | 19.72 | 200.33 |
| 44 | 2029-01 | 20.35 | 0.57 | 19.78 | 180.55 |
| 45 | 2029-02 | 20.35 | 0.51 | 19.84 | 160.72 |
| 46 | 2029-03 | 20.35 | 0.46 | 19.89 | 140.83 |
| 47 | 2029-04 | 20.35 | 0.40 | 19.95 | 120.88 |
| 48 | 2029-05 | 20.35 | 0.34 | 20.00 | 100.87 |
| 49 | 2029-06 | 20.35 | 0.29 | 20.06 | 80.81 |
| 50 | 2029-07 | 20.35 | 0.23 | 20.12 | 60.70 |
| 51 | 2029-08 | 20.35 | 0.17 | 20.17 | 40.52 |
| 52 | 2029-09 | 20.35 | 0.11 | 20.23 | 20.29 |
| 53 | 2029-10 | 20.35 | 0.06 | 20.29 | 0.00 |
等额本金还款方式：
贷款总额：1000元
还款月数：4年5个月
首月还款：21.7元
每月递减：0.05元
利息总额：76.5元
本息合计：1076.5元
节省利息：1.88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 | 21.70 | 2.83 | 18.87 | 981.13 |
| 2 | 2025-07 | 21.65 | 2.78 | 18.87 | 962.26 |
| 3 | 2025-08 | 21.59 | 2.73 | 18.87 | 943.40 |
| 4 | 2025-09 | 21.54 | 2.67 | 18.87 | 924.53 |
| 5 | 2025-10 | 21.49 | 2.62 | 18.87 | 905.66 |
| 6 | 2025-11 | 21.43 | 2.57 | 18.87 | 886.79 |
| 7 | 2025-12 | 21.38 | 2.51 | 18.87 | 867.92 |
| 8 | 2026-01 | 21.33 | 2.46 | 18.87 | 849.06 |
| 9 | 2026-02 | 21.27 | 2.41 | 18.87 | 830.19 |
| 10 | 2026-03 | 21.22 | 2.35 | 18.87 | 811.32 |
| 11 | 2026-04 | 21.17 | 2.30 | 18.87 | 792.45 |
| 12 | 2026-05 | 21.11 | 2.25 | 18.87 | 773.58 |
| 13 | 2026-06 | 21.06 | 2.19 | 18.87 | 754.72 |
| 14 | 2026-07 | 21.01 | 2.14 | 18.87 | 735.85 |
| 15 | 2026-08 | 20.95 | 2.08 | 18.87 | 716.98 |
| 16 | 2026-09 | 20.90 | 2.03 | 18.87 | 698.11 |
| 17 | 2026-10 | 20.85 | 1.98 | 18.87 | 679.25 |
| 18 | 2026-11 | 20.79 | 1.92 | 18.87 | 660.38 |
| 19 | 2026-12 | 20.74 | 1.87 | 18.87 | 641.51 |
| 20 | 2027-01 | 20.69 | 1.82 | 18.87 | 622.64 |
| 21 | 2027-02 | 20.63 | 1.76 | 18.87 | 603.77 |
| 22 | 2027-03 | 20.58 | 1.71 | 18.87 | 584.91 |
| 23 | 2027-04 | 20.53 | 1.66 | 18.87 | 566.04 |
| 24 | 2027-05 | 20.47 | 1.60 | 18.87 | 547.17 |
| 25 | 2027-06 | 20.42 | 1.55 | 18.87 | 528.30 |
| 26 | 2027-07 | 20.36 | 1.50 | 18.87 | 509.43 |
| 27 | 2027-08 | 20.31 | 1.44 | 18.87 | 490.57 |
| 28 | 2027-09 | 20.26 | 1.39 | 18.87 | 471.70 |
| 29 | 2027-10 | 20.20 | 1.34 | 18.87 | 452.83 |
| 30 | 2027-11 | 20.15 | 1.28 | 18.87 | 433.96 |
| 31 | 2027-12 | 20.10 | 1.23 | 18.87 | 415.09 |
| 32 | 2028-01 | 20.04 | 1.18 | 18.87 | 396.23 |
| 33 | 2028-02 | 19.99 | 1.12 | 18.87 | 377.36 |
| 34 | 2028-03 | 19.94 | 1.07 | 18.87 | 358.49 |
| 35 | 2028-04 | 19.88 | 1.02 | 18.87 | 339.62 |
| 36 | 2028-05 | 19.83 | 0.96 | 18.87 | 320.75 |
| 37 | 2028-06 | 19.78 | 0.91 | 18.87 | 301.89 |
| 38 | 2028-07 | 19.72 | 0.86 | 18.87 | 283.02 |
| 39 | 2028-08 | 19.67 | 0.80 | 18.87 | 264.15 |
| 40 | 2028-09 | 19.62 | 0.75 | 18.87 | 245.28 |
| 41 | 2028-10 | 19.56 | 0.69 | 18.87 | 226.42 |
| 42 | 2028-11 | 19.51 | 0.64 | 18.87 | 207.55 |
| 43 | 2028-12 | 19.46 | 0.59 | 18.87 | 188.68 |
| 44 | 2029-01 | 19.40 | 0.53 | 18.87 | 169.81 |
| 45 | 2029-02 | 19.35 | 0.48 | 18.87 | 150.94 |
| 46 | 2029-03 | 19.30 | 0.43 | 18.87 | 132.08 |
| 47 | 2029-04 | 19.24 | 0.37 | 18.87 | 113.21 |
| 48 | 2029-05 | 19.19 | 0.32 | 18.87 | 94.34 |
| 49 | 2029-06 | 19.14 | 0.27 | 18.87 | 75.47 |
| 50 | 2029-07 | 19.08 | 0.21 | 18.87 | 56.60 |
| 51 | 2029-08 | 19.03 | 0.16 | 18.87 | 37.74 |
| 52 | 2029-09 | 18.97 | 0.11 | 18.87 | 18.87 |
| 53 | 2029-10 | 18.92 | 0.05 | 18.87 | 0.00 |