贷款6万（商业贷款）房贷，还款4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：6万
还款月数：4年
每月还款：1354.74元
利息总额：5027.68元
本息合计：6.5万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 1354.74 | 200.00 | 1154.74 | 58845.26 |
| 2 | 2025-08 | 1354.74 | 196.15 | 1158.59 | 57686.66 |
| 3 | 2025-09 | 1354.74 | 192.29 | 1162.45 | 56524.21 |
| 4 | 2025-10 | 1354.74 | 188.41 | 1166.33 | 55357.88 |
| 5 | 2025-11 | 1354.74 | 184.53 | 1170.22 | 54187.66 |
| 6 | 2025-12 | 1354.74 | 180.63 | 1174.12 | 53013.55 |
| 7 | 2026-01 | 1354.74 | 176.71 | 1178.03 | 51835.51 |
| 8 | 2026-02 | 1354.74 | 172.79 | 1181.96 | 50653.56 |
| 9 | 2026-03 | 1354.74 | 168.85 | 1185.90 | 49467.66 |
| 10 | 2026-04 | 1354.74 | 164.89 | 1189.85 | 48277.81 |
| 11 | 2026-05 | 1354.74 | 160.93 | 1193.82 | 47083.99 |
| 12 | 2026-06 | 1354.74 | 156.95 | 1197.80 | 45886.19 |
| 13 | 2026-07 | 1354.74 | 152.95 | 1201.79 | 44684.40 |
| 14 | 2026-08 | 1354.74 | 148.95 | 1205.80 | 43478.61 |
| 15 | 2026-09 | 1354.74 | 144.93 | 1209.81 | 42268.79 |
| 16 | 2026-10 | 1354.74 | 140.90 | 1213.85 | 41054.95 |
| 17 | 2026-11 | 1354.74 | 136.85 | 1217.89 | 39837.05 |
| 18 | 2026-12 | 1354.74 | 132.79 | 1221.95 | 38615.10 |
| 19 | 2027-01 | 1354.74 | 128.72 | 1226.03 | 37389.07 |
| 20 | 2027-02 | 1354.74 | 124.63 | 1230.11 | 36158.96 |
| 21 | 2027-03 | 1354.74 | 120.53 | 1234.21 | 34924.75 |
| 22 | 2027-04 | 1354.74 | 116.42 | 1238.33 | 33686.42 |
| 23 | 2027-05 | 1354.74 | 112.29 | 1242.46 | 32443.96 |
| 24 | 2027-06 | 1354.74 | 108.15 | 1246.60 | 31197.37 |
| 25 | 2027-07 | 1354.74 | 103.99 | 1250.75 | 29946.62 |
| 26 | 2027-08 | 1354.74 | 99.82 | 1254.92 | 28691.69 |
| 27 | 2027-09 | 1354.74 | 95.64 | 1259.10 | 27432.59 |
| 28 | 2027-10 | 1354.74 | 91.44 | 1263.30 | 26169.29 |
| 29 | 2027-11 | 1354.74 | 87.23 | 1267.51 | 24901.78 |
| 30 | 2027-12 | 1354.74 | 83.01 | 1271.74 | 23630.04 |
| 31 | 2028-01 | 1354.74 | 78.77 | 1275.98 | 22354.06 |
| 32 | 2028-02 | 1354.74 | 74.51 | 1280.23 | 21073.83 |
| 33 | 2028-03 | 1354.74 | 70.25 | 1284.50 | 19789.34 |
| 34 | 2028-04 | 1354.74 | 65.96 | 1288.78 | 18500.56 |
| 35 | 2028-05 | 1354.74 | 61.67 | 1293.07 | 17207.48 |
| 36 | 2028-06 | 1354.74 | 57.36 | 1297.39 | 15910.10 |
| 37 | 2028-07 | 1354.74 | 53.03 | 1301.71 | 14608.39 |
| 38 | 2028-08 | 1354.74 | 48.69 | 1306.05 | 13302.34 |
| 39 | 2028-09 | 1354.74 | 44.34 | 1310.40 | 11991.94 |
| 40 | 2028-10 | 1354.74 | 39.97 | 1314.77 | 10677.17 |
| 41 | 2028-11 | 1354.74 | 35.59 | 1319.15 | 9358.01 |
| 42 | 2028-12 | 1354.74 | 31.19 | 1323.55 | 8034.46 |
| 43 | 2029-01 | 1354.74 | 26.78 | 1327.96 | 6706.50 |
| 44 | 2029-02 | 1354.74 | 22.36 | 1332.39 | 5374.11 |
| 45 | 2029-03 | 1354.74 | 17.91 | 1336.83 | 4037.28 |
| 46 | 2029-04 | 1354.74 | 13.46 | 1341.29 | 2696.00 |
| 47 | 2029-05 | 1354.74 | 8.99 | 1345.76 | 1350.24 |
| 48 | 2029-06 | 1354.74 | 4.50 | 1350.24 | 0.00 |
等额本金还款方式：
贷款总额：6万
还款月数：4年
首月还款：1450元
每月递减：4.17元
利息总额：4900元
本息合计：6.49万
节省利息：127.68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 | 1450.00 | 200.00 | 1250.00 | 58750.00 |
| 2 | 2025-08 | 1445.83 | 195.83 | 1250.00 | 57500.00 |
| 3 | 2025-09 | 1441.67 | 191.67 | 1250.00 | 56250.00 |
| 4 | 2025-10 | 1437.50 | 187.50 | 1250.00 | 55000.00 |
| 5 | 2025-11 | 1433.33 | 183.33 | 1250.00 | 53750.00 |
| 6 | 2025-12 | 1429.17 | 179.17 | 1250.00 | 52500.00 |
| 7 | 2026-01 | 1425.00 | 175.00 | 1250.00 | 51250.00 |
| 8 | 2026-02 | 1420.83 | 170.83 | 1250.00 | 50000.00 |
| 9 | 2026-03 | 1416.67 | 166.67 | 1250.00 | 48750.00 |
| 10 | 2026-04 | 1412.50 | 162.50 | 1250.00 | 47500.00 |
| 11 | 2026-05 | 1408.33 | 158.33 | 1250.00 | 46250.00 |
| 12 | 2026-06 | 1404.17 | 154.17 | 1250.00 | 45000.00 |
| 13 | 2026-07 | 1400.00 | 150.00 | 1250.00 | 43750.00 |
| 14 | 2026-08 | 1395.83 | 145.83 | 1250.00 | 42500.00 |
| 15 | 2026-09 | 1391.67 | 141.67 | 1250.00 | 41250.00 |
| 16 | 2026-10 | 1387.50 | 137.50 | 1250.00 | 40000.00 |
| 17 | 2026-11 | 1383.33 | 133.33 | 1250.00 | 38750.00 |
| 18 | 2026-12 | 1379.17 | 129.17 | 1250.00 | 37500.00 |
| 19 | 2027-01 | 1375.00 | 125.00 | 1250.00 | 36250.00 |
| 20 | 2027-02 | 1370.83 | 120.83 | 1250.00 | 35000.00 |
| 21 | 2027-03 | 1366.67 | 116.67 | 1250.00 | 33750.00 |
| 22 | 2027-04 | 1362.50 | 112.50 | 1250.00 | 32500.00 |
| 23 | 2027-05 | 1358.33 | 108.33 | 1250.00 | 31250.00 |
| 24 | 2027-06 | 1354.17 | 104.17 | 1250.00 | 30000.00 |
| 25 | 2027-07 | 1350.00 | 100.00 | 1250.00 | 28750.00 |
| 26 | 2027-08 | 1345.83 | 95.83 | 1250.00 | 27500.00 |
| 27 | 2027-09 | 1341.67 | 91.67 | 1250.00 | 26250.00 |
| 28 | 2027-10 | 1337.50 | 87.50 | 1250.00 | 25000.00 |
| 29 | 2027-11 | 1333.33 | 83.33 | 1250.00 | 23750.00 |
| 30 | 2027-12 | 1329.17 | 79.17 | 1250.00 | 22500.00 |
| 31 | 2028-01 | 1325.00 | 75.00 | 1250.00 | 21250.00 |
| 32 | 2028-02 | 1320.83 | 70.83 | 1250.00 | 20000.00 |
| 33 | 2028-03 | 1316.67 | 66.67 | 1250.00 | 18750.00 |
| 34 | 2028-04 | 1312.50 | 62.50 | 1250.00 | 17500.00 |
| 35 | 2028-05 | 1308.33 | 58.33 | 1250.00 | 16250.00 |
| 36 | 2028-06 | 1304.17 | 54.17 | 1250.00 | 15000.00 |
| 37 | 2028-07 | 1300.00 | 50.00 | 1250.00 | 13750.00 |
| 38 | 2028-08 | 1295.83 | 45.83 | 1250.00 | 12500.00 |
| 39 | 2028-09 | 1291.67 | 41.67 | 1250.00 | 11250.00 |
| 40 | 2028-10 | 1287.50 | 37.50 | 1250.00 | 10000.00 |
| 41 | 2028-11 | 1283.33 | 33.33 | 1250.00 | 8750.00 |
| 42 | 2028-12 | 1279.17 | 29.17 | 1250.00 | 7500.00 |
| 43 | 2029-01 | 1275.00 | 25.00 | 1250.00 | 6250.00 |
| 44 | 2029-02 | 1270.83 | 20.83 | 1250.00 | 5000.00 |
| 45 | 2029-03 | 1266.67 | 16.67 | 1250.00 | 3750.00 |
| 46 | 2029-04 | 1262.50 | 12.50 | 1250.00 | 2500.00 |
| 47 | 2029-05 | 1258.33 | 8.33 | 1250.00 | 1250.00 |
| 48 | 2029-06 | 1254.17 | 4.17 | 1250.00 | 0.00 |