贷款4.2万（商业贷款）房贷，还款3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：4.2万
还款月数：3年
每月还款：1328.76元
利息总额：5835.28元
本息合计：4.78万
| 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 | 1328.76 | 302.75 | 1026.01 | 40973.99 |
| 2 | 2025-08 | 1328.76 | 295.35 | 1033.40 | 39940.59 |
| 3 | 2025-09 | 1328.76 | 287.91 | 1040.85 | 38899.74 |
| 4 | 2025-10 | 1328.76 | 280.40 | 1048.36 | 37851.38 |
| 5 | 2025-11 | 1328.76 | 272.85 | 1055.91 | 36795.47 |
| 6 | 2025-12 | 1328.76 | 265.23 | 1063.52 | 35731.94 |
| 7 | 2026-01 | 1328.76 | 257.57 | 1071.19 | 34660.75 |
| 8 | 2026-02 | 1328.76 | 249.85 | 1078.91 | 33581.84 |
| 9 | 2026-03 | 1328.76 | 242.07 | 1086.69 | 32495.15 |
| 10 | 2026-04 | 1328.76 | 234.24 | 1094.52 | 31400.63 |
| 11 | 2026-05 | 1328.76 | 226.35 | 1102.41 | 30298.22 |
| 12 | 2026-06 | 1328.76 | 218.40 | 1110.36 | 29187.86 |
| 13 | 2026-07 | 1328.76 | 210.40 | 1118.36 | 28069.50 |
| 14 | 2026-08 | 1328.76 | 202.33 | 1126.42 | 26943.08 |
| 15 | 2026-09 | 1328.76 | 194.21 | 1134.54 | 25808.53 |
| 16 | 2026-10 | 1328.76 | 186.04 | 1142.72 | 24665.81 |
| 17 | 2026-11 | 1328.76 | 177.80 | 1150.96 | 23514.86 |
| 18 | 2026-12 | 1328.76 | 169.50 | 1159.25 | 22355.60 |
| 19 | 2027-01 | 1328.76 | 161.15 | 1167.61 | 21187.99 |
| 20 | 2027-02 | 1328.76 | 152.73 | 1176.03 | 20011.96 |
| 21 | 2027-03 | 1328.76 | 144.25 | 1184.50 | 18827.46 |
| 22 | 2027-04 | 1328.76 | 135.71 | 1193.04 | 17634.41 |
| 23 | 2027-05 | 1328.76 | 127.11 | 1201.64 | 16432.77 |
| 24 | 2027-06 | 1328.76 | 118.45 | 1210.30 | 15222.47 |
| 25 | 2027-07 | 1328.76 | 109.73 | 1219.03 | 14003.44 |
| 26 | 2027-08 | 1328.76 | 100.94 | 1227.82 | 12775.62 |
| 27 | 2027-09 | 1328.76 | 92.09 | 1236.67 | 11538.95 |
| 28 | 2027-10 | 1328.76 | 83.18 | 1245.58 | 10293.37 |
| 29 | 2027-11 | 1328.76 | 74.20 | 1254.56 | 9038.81 |
| 30 | 2027-12 | 1328.76 | 65.15 | 1263.60 | 7775.21 |
| 31 | 2028-01 | 1328.76 | 56.05 | 1272.71 | 6502.50 |
| 32 | 2028-02 | 1328.76 | 46.87 | 1281.89 | 5220.61 |
| 33 | 2028-03 | 1328.76 | 37.63 | 1291.13 | 3929.49 |
| 34 | 2028-04 | 1328.76 | 28.33 | 1300.43 | 2629.05 |
| 35 | 2028-05 | 1328.76 | 18.95 | 1309.81 | 1319.25 |
| 36 | 2028-06 | 1328.76 | 9.51 | 1319.25 | 0.00 |
等额本金还款方式：
贷款总额：4.2万
还款月数：3年
首月还款：1469.42元
每月递减：8.41元
利息总额：5600.88元
本息合计：4.76万
节省利息：234.4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 | 1469.42 | 302.75 | 1166.67 | 40833.33 |
| 2 | 2025-08 | 1461.01 | 294.34 | 1166.67 | 39666.67 |
| 3 | 2025-09 | 1452.60 | 285.93 | 1166.67 | 38500.00 |
| 4 | 2025-10 | 1444.19 | 277.52 | 1166.67 | 37333.33 |
| 5 | 2025-11 | 1435.78 | 269.11 | 1166.67 | 36166.67 |
| 6 | 2025-12 | 1427.37 | 260.70 | 1166.67 | 35000.00 |
| 7 | 2026-01 | 1418.96 | 252.29 | 1166.67 | 33833.33 |
| 8 | 2026-02 | 1410.55 | 243.88 | 1166.67 | 32666.67 |
| 9 | 2026-03 | 1402.14 | 235.47 | 1166.67 | 31500.00 |
| 10 | 2026-04 | 1393.73 | 227.06 | 1166.67 | 30333.33 |
| 11 | 2026-05 | 1385.32 | 218.65 | 1166.67 | 29166.67 |
| 12 | 2026-06 | 1376.91 | 210.24 | 1166.67 | 28000.00 |
| 13 | 2026-07 | 1368.50 | 201.83 | 1166.67 | 26833.33 |
| 14 | 2026-08 | 1360.09 | 193.42 | 1166.67 | 25666.67 |
| 15 | 2026-09 | 1351.68 | 185.01 | 1166.67 | 24500.00 |
| 16 | 2026-10 | 1343.27 | 176.60 | 1166.67 | 23333.33 |
| 17 | 2026-11 | 1334.86 | 168.19 | 1166.67 | 22166.67 |
| 18 | 2026-12 | 1326.45 | 159.78 | 1166.67 | 21000.00 |
| 19 | 2027-01 | 1318.04 | 151.38 | 1166.67 | 19833.33 |
| 20 | 2027-02 | 1309.63 | 142.97 | 1166.67 | 18666.67 |
| 21 | 2027-03 | 1301.22 | 134.56 | 1166.67 | 17500.00 |
| 22 | 2027-04 | 1292.81 | 126.15 | 1166.67 | 16333.33 |
| 23 | 2027-05 | 1284.40 | 117.74 | 1166.67 | 15166.67 |
| 24 | 2027-06 | 1275.99 | 109.33 | 1166.67 | 14000.00 |
| 25 | 2027-07 | 1267.58 | 100.92 | 1166.67 | 12833.33 |
| 26 | 2027-08 | 1259.17 | 92.51 | 1166.67 | 11666.67 |
| 27 | 2027-09 | 1250.76 | 84.10 | 1166.67 | 10500.00 |
| 28 | 2027-10 | 1242.35 | 75.69 | 1166.67 | 9333.33 |
| 29 | 2027-11 | 1233.94 | 67.28 | 1166.67 | 8166.67 |
| 30 | 2027-12 | 1225.53 | 58.87 | 1166.67 | 7000.00 |
| 31 | 2028-01 | 1217.13 | 50.46 | 1166.67 | 5833.33 |
| 32 | 2028-02 | 1208.72 | 42.05 | 1166.67 | 4666.67 |
| 33 | 2028-03 | 1200.31 | 33.64 | 1166.67 | 3500.00 |
| 34 | 2028-04 | 1191.90 | 25.23 | 1166.67 | 2333.33 |
| 35 | 2028-05 | 1183.49 | 16.82 | 1166.67 | 1166.67 |
| 36 | 2028-06 | 1175.08 | 8.41 | 1166.67 | 0.00 |