贷款13万（商业贷款）房贷，还款6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：13万
还款月数：6年
每月还款：1981元
利息总额：1.26万
本息合计：14.26万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 1981.00 | 335.83 | 1645.17 | 128354.83 |
| 2 | 2025-08 | 1981.00 | 331.58 | 1649.42 | 126705.42 |
| 3 | 2025-09 | 1981.00 | 327.32 | 1653.68 | 125051.74 |
| 4 | 2025-10 | 1981.00 | 323.05 | 1657.95 | 123393.79 |
| 5 | 2025-11 | 1981.00 | 318.77 | 1662.23 | 121731.56 |
| 6 | 2025-12 | 1981.00 | 314.47 | 1666.53 | 120065.04 |
| 7 | 2026-01 | 1981.00 | 310.17 | 1670.83 | 118394.20 |
| 8 | 2026-02 | 1981.00 | 305.85 | 1675.15 | 116719.06 |
| 9 | 2026-03 | 1981.00 | 301.52 | 1679.47 | 115039.58 |
| 10 | 2026-04 | 1981.00 | 297.19 | 1683.81 | 113355.77 |
| 11 | 2026-05 | 1981.00 | 292.84 | 1688.16 | 111667.60 |
| 12 | 2026-06 | 1981.00 | 288.47 | 1692.52 | 109975.08 |
| 13 | 2026-07 | 1981.00 | 284.10 | 1696.90 | 108278.18 |
| 14 | 2026-08 | 1981.00 | 279.72 | 1701.28 | 106576.90 |
| 15 | 2026-09 | 1981.00 | 275.32 | 1705.68 | 104871.23 |
| 16 | 2026-10 | 1981.00 | 270.92 | 1710.08 | 103161.15 |
| 17 | 2026-11 | 1981.00 | 266.50 | 1714.50 | 101446.65 |
| 18 | 2026-12 | 1981.00 | 262.07 | 1718.93 | 99727.72 |
| 19 | 2027-01 | 1981.00 | 257.63 | 1723.37 | 98004.35 |
| 20 | 2027-02 | 1981.00 | 253.18 | 1727.82 | 96276.53 |
| 21 | 2027-03 | 1981.00 | 248.71 | 1732.28 | 94544.24 |
| 22 | 2027-04 | 1981.00 | 244.24 | 1736.76 | 92807.48 |
| 23 | 2027-05 | 1981.00 | 239.75 | 1741.25 | 91066.24 |
| 24 | 2027-06 | 1981.00 | 235.25 | 1745.74 | 89320.49 |
| 25 | 2027-07 | 1981.00 | 230.74 | 1750.25 | 87570.24 |
| 26 | 2027-08 | 1981.00 | 226.22 | 1754.78 | 85815.46 |
| 27 | 2027-09 | 1981.00 | 221.69 | 1759.31 | 84056.15 |
| 28 | 2027-10 | 1981.00 | 217.15 | 1763.85 | 82292.30 |
| 29 | 2027-11 | 1981.00 | 212.59 | 1768.41 | 80523.89 |
| 30 | 2027-12 | 1981.00 | 208.02 | 1772.98 | 78750.91 |
| 31 | 2028-01 | 1981.00 | 203.44 | 1777.56 | 76973.35 |
| 32 | 2028-02 | 1981.00 | 198.85 | 1782.15 | 75191.20 |
| 33 | 2028-03 | 1981.00 | 194.24 | 1786.76 | 73404.44 |
| 34 | 2028-04 | 1981.00 | 189.63 | 1791.37 | 71613.07 |
| 35 | 2028-05 | 1981.00 | 185.00 | 1796.00 | 69817.07 |
| 36 | 2028-06 | 1981.00 | 180.36 | 1800.64 | 68016.43 |
| 37 | 2028-07 | 1981.00 | 175.71 | 1805.29 | 66211.14 |
| 38 | 2028-08 | 1981.00 | 171.05 | 1809.95 | 64401.19 |
| 39 | 2028-09 | 1981.00 | 166.37 | 1814.63 | 62586.56 |
| 40 | 2028-10 | 1981.00 | 161.68 | 1819.32 | 60767.24 |
| 41 | 2028-11 | 1981.00 | 156.98 | 1824.02 | 58943.23 |
| 42 | 2028-12 | 1981.00 | 152.27 | 1828.73 | 57114.50 |
| 43 | 2029-01 | 1981.00 | 147.55 | 1833.45 | 55281.04 |
| 44 | 2029-02 | 1981.00 | 142.81 | 1838.19 | 53442.86 |
| 45 | 2029-03 | 1981.00 | 138.06 | 1842.94 | 51599.92 |
| 46 | 2029-04 | 1981.00 | 133.30 | 1847.70 | 49752.22 |
| 47 | 2029-05 | 1981.00 | 128.53 | 1852.47 | 47899.74 |
| 48 | 2029-06 | 1981.00 | 123.74 | 1857.26 | 46042.49 |
| 49 | 2029-07 | 1981.00 | 118.94 | 1862.06 | 44180.43 |
| 50 | 2029-08 | 1981.00 | 114.13 | 1866.87 | 42313.56 |
| 51 | 2029-09 | 1981.00 | 109.31 | 1871.69 | 40441.88 |
| 52 | 2029-10 | 1981.00 | 104.47 | 1876.52 | 38565.35 |
| 53 | 2029-11 | 1981.00 | 99.63 | 1881.37 | 36683.98 |
| 54 | 2029-12 | 1981.00 | 94.77 | 1886.23 | 34797.75 |
| 55 | 2030-01 | 1981.00 | 89.89 | 1891.10 | 32906.64 |
| 56 | 2030-02 | 1981.00 | 85.01 | 1895.99 | 31010.65 |
| 57 | 2030-03 | 1981.00 | 80.11 | 1900.89 | 29109.76 |
| 58 | 2030-04 | 1981.00 | 75.20 | 1905.80 | 27203.96 |
| 59 | 2030-05 | 1981.00 | 70.28 | 1910.72 | 25293.24 |
| 60 | 2030-06 | 1981.00 | 65.34 | 1915.66 | 23377.58 |
| 61 | 2030-07 | 1981.00 | 60.39 | 1920.61 | 21456.98 |
| 62 | 2030-08 | 1981.00 | 55.43 | 1925.57 | 19531.41 |
| 63 | 2030-09 | 1981.00 | 50.46 | 1930.54 | 17600.87 |
| 64 | 2030-10 | 1981.00 | 45.47 | 1935.53 | 15665.34 |
| 65 | 2030-11 | 1981.00 | 40.47 | 1940.53 | 13724.80 |
| 66 | 2030-12 | 1981.00 | 35.46 | 1945.54 | 11779.26 |
| 67 | 2031-01 | 1981.00 | 30.43 | 1950.57 | 9828.69 |
| 68 | 2031-02 | 1981.00 | 25.39 | 1955.61 | 7873.08 |
| 69 | 2031-03 | 1981.00 | 20.34 | 1960.66 | 5912.42 |
| 70 | 2031-04 | 1981.00 | 15.27 | 1965.73 | 3946.70 |
| 71 | 2031-05 | 1981.00 | 10.20 | 1970.80 | 1975.89 |
| 72 | 2031-06 | 1981.00 | 5.10 | 1975.89 | 0.00 |
等额本金还款方式：
贷款总额：13万
还款月数：6年
首月还款：2141.39元
每月递减：4.66元
利息总额：1.23万
本息合计：14.23万
节省利息：374.02元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 2141.39 | 335.83 | 1805.56 | 128194.44 |
| 2 | 2025-08 | 2136.72 | 331.17 | 1805.56 | 126388.89 |
| 3 | 2025-09 | 2132.06 | 326.50 | 1805.56 | 124583.33 |
| 4 | 2025-10 | 2127.40 | 321.84 | 1805.56 | 122777.78 |
| 5 | 2025-11 | 2122.73 | 317.18 | 1805.56 | 120972.22 |
| 6 | 2025-12 | 2118.07 | 312.51 | 1805.56 | 119166.67 |
| 7 | 2026-01 | 2113.40 | 307.85 | 1805.56 | 117361.11 |
| 8 | 2026-02 | 2108.74 | 303.18 | 1805.56 | 115555.56 |
| 9 | 2026-03 | 2104.07 | 298.52 | 1805.56 | 113750.00 |
| 10 | 2026-04 | 2099.41 | 293.85 | 1805.56 | 111944.44 |
| 11 | 2026-05 | 2094.75 | 289.19 | 1805.56 | 110138.89 |
| 12 | 2026-06 | 2090.08 | 284.53 | 1805.56 | 108333.33 |
| 13 | 2026-07 | 2085.42 | 279.86 | 1805.56 | 106527.78 |
| 14 | 2026-08 | 2080.75 | 275.20 | 1805.56 | 104722.22 |
| 15 | 2026-09 | 2076.09 | 270.53 | 1805.56 | 102916.67 |
| 16 | 2026-10 | 2071.42 | 265.87 | 1805.56 | 101111.11 |
| 17 | 2026-11 | 2066.76 | 261.20 | 1805.56 | 99305.56 |
| 18 | 2026-12 | 2062.09 | 256.54 | 1805.56 | 97500.00 |
| 19 | 2027-01 | 2057.43 | 251.88 | 1805.56 | 95694.44 |
| 20 | 2027-02 | 2052.77 | 247.21 | 1805.56 | 93888.89 |
| 21 | 2027-03 | 2048.10 | 242.55 | 1805.56 | 92083.33 |
| 22 | 2027-04 | 2043.44 | 237.88 | 1805.56 | 90277.78 |
| 23 | 2027-05 | 2038.77 | 233.22 | 1805.56 | 88472.22 |
| 24 | 2027-06 | 2034.11 | 228.55 | 1805.56 | 86666.67 |
| 25 | 2027-07 | 2029.44 | 223.89 | 1805.56 | 84861.11 |
| 26 | 2027-08 | 2024.78 | 219.22 | 1805.56 | 83055.56 |
| 27 | 2027-09 | 2020.12 | 214.56 | 1805.56 | 81250.00 |
| 28 | 2027-10 | 2015.45 | 209.90 | 1805.56 | 79444.44 |
| 29 | 2027-11 | 2010.79 | 205.23 | 1805.56 | 77638.89 |
| 30 | 2027-12 | 2006.12 | 200.57 | 1805.56 | 75833.33 |
| 31 | 2028-01 | 2001.46 | 195.90 | 1805.56 | 74027.78 |
| 32 | 2028-02 | 1996.79 | 191.24 | 1805.56 | 72222.22 |
| 33 | 2028-03 | 1992.13 | 186.57 | 1805.56 | 70416.67 |
| 34 | 2028-04 | 1987.47 | 181.91 | 1805.56 | 68611.11 |
| 35 | 2028-05 | 1982.80 | 177.25 | 1805.56 | 66805.56 |
| 36 | 2028-06 | 1978.14 | 172.58 | 1805.56 | 65000.00 |
| 37 | 2028-07 | 1973.47 | 167.92 | 1805.56 | 63194.44 |
| 38 | 2028-08 | 1968.81 | 163.25 | 1805.56 | 61388.89 |
| 39 | 2028-09 | 1964.14 | 158.59 | 1805.56 | 59583.33 |
| 40 | 2028-10 | 1959.48 | 153.92 | 1805.56 | 57777.78 |
| 41 | 2028-11 | 1954.81 | 149.26 | 1805.56 | 55972.22 |
| 42 | 2028-12 | 1950.15 | 144.59 | 1805.56 | 54166.67 |
| 43 | 2029-01 | 1945.49 | 139.93 | 1805.56 | 52361.11 |
| 44 | 2029-02 | 1940.82 | 135.27 | 1805.56 | 50555.56 |
| 45 | 2029-03 | 1936.16 | 130.60 | 1805.56 | 48750.00 |
| 46 | 2029-04 | 1931.49 | 125.94 | 1805.56 | 46944.44 |
| 47 | 2029-05 | 1926.83 | 121.27 | 1805.56 | 45138.89 |
| 48 | 2029-06 | 1922.16 | 116.61 | 1805.56 | 43333.33 |
| 49 | 2029-07 | 1917.50 | 111.94 | 1805.56 | 41527.78 |
| 50 | 2029-08 | 1912.84 | 107.28 | 1805.56 | 39722.22 |
| 51 | 2029-09 | 1908.17 | 102.62 | 1805.56 | 37916.67 |
| 52 | 2029-10 | 1903.51 | 97.95 | 1805.56 | 36111.11 |
| 53 | 2029-11 | 1898.84 | 93.29 | 1805.56 | 34305.56 |
| 54 | 2029-12 | 1894.18 | 88.62 | 1805.56 | 32500.00 |
| 55 | 2030-01 | 1889.51 | 83.96 | 1805.56 | 30694.44 |
| 56 | 2030-02 | 1884.85 | 79.29 | 1805.56 | 28888.89 |
| 57 | 2030-03 | 1880.19 | 74.63 | 1805.56 | 27083.33 |
| 58 | 2030-04 | 1875.52 | 69.97 | 1805.56 | 25277.78 |
| 59 | 2030-05 | 1870.86 | 65.30 | 1805.56 | 23472.22 |
| 60 | 2030-06 | 1866.19 | 60.64 | 1805.56 | 21666.67 |
| 61 | 2030-07 | 1861.53 | 55.97 | 1805.56 | 19861.11 |
| 62 | 2030-08 | 1856.86 | 51.31 | 1805.56 | 18055.56 |
| 63 | 2030-09 | 1852.20 | 46.64 | 1805.56 | 16250.00 |
| 64 | 2030-10 | 1847.53 | 41.98 | 1805.56 | 14444.44 |
| 65 | 2030-11 | 1842.87 | 37.31 | 1805.56 | 12638.89 |
| 66 | 2030-12 | 1838.21 | 32.65 | 1805.56 | 10833.33 |
| 67 | 2031-01 | 1833.54 | 27.99 | 1805.56 | 9027.78 |
| 68 | 2031-02 | 1828.88 | 23.32 | 1805.56 | 7222.22 |
| 69 | 2031-03 | 1824.21 | 18.66 | 1805.56 | 5416.67 |
| 70 | 2031-04 | 1819.55 | 13.99 | 1805.56 | 3611.11 |
| 71 | 2031-05 | 1814.88 | 9.33 | 1805.56 | 1805.56 |
| 72 | 2031-06 | 1810.22 | 4.66 | 1805.56 | 0.00 |