贷款9万（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：9万
还款月数：3年4个月
每月还款：2375.13元
利息总额：5005.15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 | 2375.13 | 240.00 | 2135.13 | 87864.87 |
| 2 | 2025-09 | 2375.13 | 234.31 | 2140.82 | 85724.05 |
| 3 | 2025-10 | 2375.13 | 228.60 | 2146.53 | 83577.52 |
| 4 | 2025-11 | 2375.13 | 222.87 | 2152.26 | 81425.26 |
| 5 | 2025-12 | 2375.13 | 217.13 | 2157.99 | 79267.27 |
| 6 | 2026-01 | 2375.13 | 211.38 | 2163.75 | 77103.52 |
| 7 | 2026-02 | 2375.13 | 205.61 | 2169.52 | 74934.00 |
| 8 | 2026-03 | 2375.13 | 199.82 | 2175.30 | 72758.69 |
| 9 | 2026-04 | 2375.13 | 194.02 | 2181.11 | 70577.59 |
| 10 | 2026-05 | 2375.13 | 188.21 | 2186.92 | 68390.67 |
| 11 | 2026-06 | 2375.13 | 182.38 | 2192.75 | 66197.91 |
| 12 | 2026-07 | 2375.13 | 176.53 | 2198.60 | 63999.31 |
| 13 | 2026-08 | 2375.13 | 170.66 | 2204.46 | 61794.85 |
| 14 | 2026-09 | 2375.13 | 164.79 | 2210.34 | 59584.51 |
| 15 | 2026-10 | 2375.13 | 158.89 | 2216.24 | 57368.27 |
| 16 | 2026-11 | 2375.13 | 152.98 | 2222.15 | 55146.12 |
| 17 | 2026-12 | 2375.13 | 147.06 | 2228.07 | 52918.05 |
| 18 | 2027-01 | 2375.13 | 141.11 | 2234.01 | 50684.04 |
| 19 | 2027-02 | 2375.13 | 135.16 | 2239.97 | 48444.06 |
| 20 | 2027-03 | 2375.13 | 129.18 | 2245.94 | 46198.12 |
| 21 | 2027-04 | 2375.13 | 123.19 | 2251.93 | 43946.19 |
| 22 | 2027-05 | 2375.13 | 117.19 | 2257.94 | 41688.25 |
| 23 | 2027-06 | 2375.13 | 111.17 | 2263.96 | 39424.29 |
| 24 | 2027-07 | 2375.13 | 105.13 | 2270.00 | 37154.29 |
| 25 | 2027-08 | 2375.13 | 99.08 | 2276.05 | 34878.24 |
| 26 | 2027-09 | 2375.13 | 93.01 | 2282.12 | 32596.12 |
| 27 | 2027-10 | 2375.13 | 86.92 | 2288.21 | 30307.91 |
| 28 | 2027-11 | 2375.13 | 80.82 | 2294.31 | 28013.61 |
| 29 | 2027-12 | 2375.13 | 74.70 | 2300.43 | 25713.18 |
| 30 | 2028-01 | 2375.13 | 68.57 | 2306.56 | 23406.62 |
| 31 | 2028-02 | 2375.13 | 62.42 | 2312.71 | 21093.91 |
| 32 | 2028-03 | 2375.13 | 56.25 | 2318.88 | 18775.03 |
| 33 | 2028-04 | 2375.13 | 50.07 | 2325.06 | 16449.97 |
| 34 | 2028-05 | 2375.13 | 43.87 | 2331.26 | 14118.71 |
| 35 | 2028-06 | 2375.13 | 37.65 | 2337.48 | 11781.23 |
| 36 | 2028-07 | 2375.13 | 31.42 | 2343.71 | 9437.51 |
| 37 | 2028-08 | 2375.13 | 25.17 | 2349.96 | 7087.55 |
| 38 | 2028-09 | 2375.13 | 18.90 | 2356.23 | 4731.32 |
| 39 | 2028-10 | 2375.13 | 12.62 | 2362.51 | 2368.81 |
| 40 | 2028-11 | 2375.13 | 6.32 | 2368.81 | 0.00 |
等额本金还款方式：
贷款总额：9万
还款月数：3年4个月
首月还款：2490元
每月递减：6元
利息总额：4920元
本息合计：9.49万
节省利息：85.15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 | 2490.00 | 240.00 | 2250.00 | 87750.00 |
| 2 | 2025-09 | 2484.00 | 234.00 | 2250.00 | 85500.00 |
| 3 | 2025-10 | 2478.00 | 228.00 | 2250.00 | 83250.00 |
| 4 | 2025-11 | 2472.00 | 222.00 | 2250.00 | 81000.00 |
| 5 | 2025-12 | 2466.00 | 216.00 | 2250.00 | 78750.00 |
| 6 | 2026-01 | 2460.00 | 210.00 | 2250.00 | 76500.00 |
| 7 | 2026-02 | 2454.00 | 204.00 | 2250.00 | 74250.00 |
| 8 | 2026-03 | 2448.00 | 198.00 | 2250.00 | 72000.00 |
| 9 | 2026-04 | 2442.00 | 192.00 | 2250.00 | 69750.00 |
| 10 | 2026-05 | 2436.00 | 186.00 | 2250.00 | 67500.00 |
| 11 | 2026-06 | 2430.00 | 180.00 | 2250.00 | 65250.00 |
| 12 | 2026-07 | 2424.00 | 174.00 | 2250.00 | 63000.00 |
| 13 | 2026-08 | 2418.00 | 168.00 | 2250.00 | 60750.00 |
| 14 | 2026-09 | 2412.00 | 162.00 | 2250.00 | 58500.00 |
| 15 | 2026-10 | 2406.00 | 156.00 | 2250.00 | 56250.00 |
| 16 | 2026-11 | 2400.00 | 150.00 | 2250.00 | 54000.00 |
| 17 | 2026-12 | 2394.00 | 144.00 | 2250.00 | 51750.00 |
| 18 | 2027-01 | 2388.00 | 138.00 | 2250.00 | 49500.00 |
| 19 | 2027-02 | 2382.00 | 132.00 | 2250.00 | 47250.00 |
| 20 | 2027-03 | 2376.00 | 126.00 | 2250.00 | 45000.00 |
| 21 | 2027-04 | 2370.00 | 120.00 | 2250.00 | 42750.00 |
| 22 | 2027-05 | 2364.00 | 114.00 | 2250.00 | 40500.00 |
| 23 | 2027-06 | 2358.00 | 108.00 | 2250.00 | 38250.00 |
| 24 | 2027-07 | 2352.00 | 102.00 | 2250.00 | 36000.00 |
| 25 | 2027-08 | 2346.00 | 96.00 | 2250.00 | 33750.00 |
| 26 | 2027-09 | 2340.00 | 90.00 | 2250.00 | 31500.00 |
| 27 | 2027-10 | 2334.00 | 84.00 | 2250.00 | 29250.00 |
| 28 | 2027-11 | 2328.00 | 78.00 | 2250.00 | 27000.00 |
| 29 | 2027-12 | 2322.00 | 72.00 | 2250.00 | 24750.00 |
| 30 | 2028-01 | 2316.00 | 66.00 | 2250.00 | 22500.00 |
| 31 | 2028-02 | 2310.00 | 60.00 | 2250.00 | 20250.00 |
| 32 | 2028-03 | 2304.00 | 54.00 | 2250.00 | 18000.00 |
| 33 | 2028-04 | 2298.00 | 48.00 | 2250.00 | 15750.00 |
| 34 | 2028-05 | 2292.00 | 42.00 | 2250.00 | 13500.00 |
| 35 | 2028-06 | 2286.00 | 36.00 | 2250.00 | 11250.00 |
| 36 | 2028-07 | 2280.00 | 30.00 | 2250.00 | 9000.00 |
| 37 | 2028-08 | 2274.00 | 24.00 | 2250.00 | 6750.00 |
| 38 | 2028-09 | 2268.00 | 18.00 | 2250.00 | 4500.00 |
| 39 | 2028-10 | 2262.00 | 12.00 | 2250.00 | 2250.00 |
| 40 | 2028-11 | 2256.00 | 6.00 | 2250.00 | 0.00 |