贷款5000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：5000元
还款月数：4年5个月
每月还款：101.73元
利息总额：391.88元
本息合计：5391.88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 | 101.73 | 14.17 | 87.57 | 4912.43 |
| 2 | 2025-07 | 101.73 | 13.92 | 87.81 | 4824.62 |
| 3 | 2025-08 | 101.73 | 13.67 | 88.06 | 4736.55 |
| 4 | 2025-09 | 101.73 | 13.42 | 88.31 | 4648.24 |
| 5 | 2025-10 | 101.73 | 13.17 | 88.56 | 4559.68 |
| 6 | 2025-11 | 101.73 | 12.92 | 88.81 | 4470.86 |
| 7 | 2025-12 | 101.73 | 12.67 | 89.07 | 4381.80 |
| 8 | 2026-01 | 101.73 | 12.42 | 89.32 | 4292.48 |
| 9 | 2026-02 | 101.73 | 12.16 | 89.57 | 4202.91 |
| 10 | 2026-03 | 101.73 | 11.91 | 89.83 | 4113.08 |
| 11 | 2026-04 | 101.73 | 11.65 | 90.08 | 4023.00 |
| 12 | 2026-05 | 101.73 | 11.40 | 90.33 | 3932.67 |
| 13 | 2026-06 | 101.73 | 11.14 | 90.59 | 3842.08 |
| 14 | 2026-07 | 101.73 | 10.89 | 90.85 | 3751.23 |
| 15 | 2026-08 | 101.73 | 10.63 | 91.11 | 3660.12 |
| 16 | 2026-09 | 101.73 | 10.37 | 91.36 | 3568.76 |
| 17 | 2026-10 | 101.73 | 10.11 | 91.62 | 3477.14 |
| 18 | 2026-11 | 101.73 | 9.85 | 91.88 | 3385.26 |
| 19 | 2026-12 | 101.73 | 9.59 | 92.14 | 3293.11 |
| 20 | 2027-01 | 101.73 | 9.33 | 92.40 | 3200.71 |
| 21 | 2027-02 | 101.73 | 9.07 | 92.66 | 3108.05 |
| 22 | 2027-03 | 101.73 | 8.81 | 92.93 | 3015.12 |
| 23 | 2027-04 | 101.73 | 8.54 | 93.19 | 2921.93 |
| 24 | 2027-05 | 101.73 | 8.28 | 93.45 | 2828.47 |
| 25 | 2027-06 | 101.73 | 8.01 | 93.72 | 2734.75 |
| 26 | 2027-07 | 101.73 | 7.75 | 93.99 | 2640.77 |
| 27 | 2027-08 | 101.73 | 7.48 | 94.25 | 2546.52 |
| 28 | 2027-09 | 101.73 | 7.22 | 94.52 | 2452.00 |
| 29 | 2027-10 | 101.73 | 6.95 | 94.79 | 2357.21 |
| 30 | 2027-11 | 101.73 | 6.68 | 95.05 | 2262.16 |
| 31 | 2027-12 | 101.73 | 6.41 | 95.32 | 2166.84 |
| 32 | 2028-01 | 101.73 | 6.14 | 95.59 | 2071.24 |
| 33 | 2028-02 | 101.73 | 5.87 | 95.86 | 1975.38 |
| 34 | 2028-03 | 101.73 | 5.60 | 96.14 | 1879.24 |
| 35 | 2028-04 | 101.73 | 5.32 | 96.41 | 1782.83 |
| 36 | 2028-05 | 101.73 | 5.05 | 96.68 | 1686.15 |
| 37 | 2028-06 | 101.73 | 4.78 | 96.96 | 1589.19 |
| 38 | 2028-07 | 101.73 | 4.50 | 97.23 | 1491.96 |
| 39 | 2028-08 | 101.73 | 4.23 | 97.51 | 1394.46 |
| 40 | 2028-09 | 101.73 | 3.95 | 97.78 | 1296.67 |
| 41 | 2028-10 | 101.73 | 3.67 | 98.06 | 1198.61 |
| 42 | 2028-11 | 101.73 | 3.40 | 98.34 | 1100.28 |
| 43 | 2028-12 | 101.73 | 3.12 | 98.62 | 1001.66 |
| 44 | 2029-01 | 101.73 | 2.84 | 98.90 | 902.76 |
| 45 | 2029-02 | 101.73 | 2.56 | 99.18 | 803.59 |
| 46 | 2029-03 | 101.73 | 2.28 | 99.46 | 704.13 |
| 47 | 2029-04 | 101.73 | 2.00 | 99.74 | 604.39 |
| 48 | 2029-05 | 101.73 | 1.71 | 100.02 | 504.37 |
| 49 | 2029-06 | 101.73 | 1.43 | 100.30 | 404.07 |
| 50 | 2029-07 | 101.73 | 1.14 | 100.59 | 303.48 |
| 51 | 2029-08 | 101.73 | 0.86 | 100.87 | 202.61 |
| 52 | 2029-09 | 101.73 | 0.57 | 101.16 | 101.45 |
| 53 | 2029-10 | 101.73 | 0.29 | 101.45 | 0.00 |
等额本金还款方式：
贷款总额：5000元
还款月数：4年5个月
首月还款：108.51元
每月递减：0.27元
利息总额：382.5元
本息合计：5382.5元
节省利息：9.38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 | 108.51 | 14.17 | 94.34 | 4905.66 |
| 2 | 2025-07 | 108.24 | 13.90 | 94.34 | 4811.32 |
| 3 | 2025-08 | 107.97 | 13.63 | 94.34 | 4716.98 |
| 4 | 2025-09 | 107.70 | 13.36 | 94.34 | 4622.64 |
| 5 | 2025-10 | 107.44 | 13.10 | 94.34 | 4528.30 |
| 6 | 2025-11 | 107.17 | 12.83 | 94.34 | 4433.96 |
| 7 | 2025-12 | 106.90 | 12.56 | 94.34 | 4339.62 |
| 8 | 2026-01 | 106.64 | 12.30 | 94.34 | 4245.28 |
| 9 | 2026-02 | 106.37 | 12.03 | 94.34 | 4150.94 |
| 10 | 2026-03 | 106.10 | 11.76 | 94.34 | 4056.60 |
| 11 | 2026-04 | 105.83 | 11.49 | 94.34 | 3962.26 |
| 12 | 2026-05 | 105.57 | 11.23 | 94.34 | 3867.92 |
| 13 | 2026-06 | 105.30 | 10.96 | 94.34 | 3773.58 |
| 14 | 2026-07 | 105.03 | 10.69 | 94.34 | 3679.25 |
| 15 | 2026-08 | 104.76 | 10.42 | 94.34 | 3584.91 |
| 16 | 2026-09 | 104.50 | 10.16 | 94.34 | 3490.57 |
| 17 | 2026-10 | 104.23 | 9.89 | 94.34 | 3396.23 |
| 18 | 2026-11 | 103.96 | 9.62 | 94.34 | 3301.89 |
| 19 | 2026-12 | 103.69 | 9.36 | 94.34 | 3207.55 |
| 20 | 2027-01 | 103.43 | 9.09 | 94.34 | 3113.21 |
| 21 | 2027-02 | 103.16 | 8.82 | 94.34 | 3018.87 |
| 22 | 2027-03 | 102.89 | 8.55 | 94.34 | 2924.53 |
| 23 | 2027-04 | 102.63 | 8.29 | 94.34 | 2830.19 |
| 24 | 2027-05 | 102.36 | 8.02 | 94.34 | 2735.85 |
| 25 | 2027-06 | 102.09 | 7.75 | 94.34 | 2641.51 |
| 26 | 2027-07 | 101.82 | 7.48 | 94.34 | 2547.17 |
| 27 | 2027-08 | 101.56 | 7.22 | 94.34 | 2452.83 |
| 28 | 2027-09 | 101.29 | 6.95 | 94.34 | 2358.49 |
| 29 | 2027-10 | 101.02 | 6.68 | 94.34 | 2264.15 |
| 30 | 2027-11 | 100.75 | 6.42 | 94.34 | 2169.81 |
| 31 | 2027-12 | 100.49 | 6.15 | 94.34 | 2075.47 |
| 32 | 2028-01 | 100.22 | 5.88 | 94.34 | 1981.13 |
| 33 | 2028-02 | 99.95 | 5.61 | 94.34 | 1886.79 |
| 34 | 2028-03 | 99.69 | 5.35 | 94.34 | 1792.45 |
| 35 | 2028-04 | 99.42 | 5.08 | 94.34 | 1698.11 |
| 36 | 2028-05 | 99.15 | 4.81 | 94.34 | 1603.77 |
| 37 | 2028-06 | 98.88 | 4.54 | 94.34 | 1509.43 |
| 38 | 2028-07 | 98.62 | 4.28 | 94.34 | 1415.09 |
| 39 | 2028-08 | 98.35 | 4.01 | 94.34 | 1320.75 |
| 40 | 2028-09 | 98.08 | 3.74 | 94.34 | 1226.42 |
| 41 | 2028-10 | 97.81 | 3.47 | 94.34 | 1132.08 |
| 42 | 2028-11 | 97.55 | 3.21 | 94.34 | 1037.74 |
| 43 | 2028-12 | 97.28 | 2.94 | 94.34 | 943.40 |
| 44 | 2029-01 | 97.01 | 2.67 | 94.34 | 849.06 |
| 45 | 2029-02 | 96.75 | 2.41 | 94.34 | 754.72 |
| 46 | 2029-03 | 96.48 | 2.14 | 94.34 | 660.38 |
| 47 | 2029-04 | 96.21 | 1.87 | 94.34 | 566.04 |
| 48 | 2029-05 | 95.94 | 1.60 | 94.34 | 471.70 |
| 49 | 2029-06 | 95.68 | 1.34 | 94.34 | 377.36 |
| 50 | 2029-07 | 95.41 | 1.07 | 94.34 | 283.02 |
| 51 | 2029-08 | 95.14 | 0.80 | 94.34 | 188.68 |
| 52 | 2029-09 | 94.87 | 0.53 | 94.34 | 94.34 |
| 53 | 2029-10 | 94.61 | 0.27 | 94.34 | 0.00 |