北京贷款30万（商业贷款）房贷，还款5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：30万
还款月数：5年
每月还款：6198.43元
利息总额：7.19万
本息合计：37.19万
| 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 | 6198.43 | 2200.00 | 3998.43 | 296001.57 |
| 2 | 2025-08 | 6198.43 | 2170.68 | 4027.75 | 291973.82 |
| 3 | 2025-09 | 6198.43 | 2141.14 | 4057.29 | 287916.54 |
| 4 | 2025-10 | 6198.43 | 2111.39 | 4087.04 | 283829.50 |
| 5 | 2025-11 | 6198.43 | 2081.42 | 4117.01 | 279712.49 |
| 6 | 2025-12 | 6198.43 | 2051.22 | 4147.20 | 275565.29 |
| 7 | 2026-01 | 6198.43 | 2020.81 | 4177.61 | 271387.67 |
| 8 | 2026-02 | 6198.43 | 1990.18 | 4208.25 | 267179.42 |
| 9 | 2026-03 | 6198.43 | 1959.32 | 4239.11 | 262940.31 |
| 10 | 2026-04 | 6198.43 | 1928.23 | 4270.20 | 258670.11 |
| 11 | 2026-05 | 6198.43 | 1896.91 | 4301.51 | 254368.60 |
| 12 | 2026-06 | 6198.43 | 1865.37 | 4333.06 | 250035.54 |
| 13 | 2026-07 | 6198.43 | 1833.59 | 4364.83 | 245670.71 |
| 14 | 2026-08 | 6198.43 | 1801.59 | 4396.84 | 241273.87 |
| 15 | 2026-09 | 6198.43 | 1769.34 | 4429.09 | 236844.78 |
| 16 | 2026-10 | 6198.43 | 1736.86 | 4461.57 | 232383.22 |
| 17 | 2026-11 | 6198.43 | 1704.14 | 4494.28 | 227888.93 |
| 18 | 2026-12 | 6198.43 | 1671.19 | 4527.24 | 223361.69 |
| 19 | 2027-01 | 6198.43 | 1637.99 | 4560.44 | 218801.25 |
| 20 | 2027-02 | 6198.43 | 1604.54 | 4593.88 | 214207.36 |
| 21 | 2027-03 | 6198.43 | 1570.85 | 4627.57 | 209579.79 |
| 22 | 2027-04 | 6198.43 | 1536.92 | 4661.51 | 204918.28 |
| 23 | 2027-05 | 6198.43 | 1502.73 | 4695.69 | 200222.59 |
| 24 | 2027-06 | 6198.43 | 1468.30 | 4730.13 | 195492.46 |
| 25 | 2027-07 | 6198.43 | 1433.61 | 4764.82 | 190727.65 |
| 26 | 2027-08 | 6198.43 | 1398.67 | 4799.76 | 185927.89 |
| 27 | 2027-09 | 6198.43 | 1363.47 | 4834.96 | 181092.93 |
| 28 | 2027-10 | 6198.43 | 1328.01 | 4870.41 | 176222.52 |
| 29 | 2027-11 | 6198.43 | 1292.30 | 4906.13 | 171316.39 |
| 30 | 2027-12 | 6198.43 | 1256.32 | 4942.11 | 166374.28 |
| 31 | 2028-01 | 6198.43 | 1220.08 | 4978.35 | 161395.94 |
| 32 | 2028-02 | 6198.43 | 1183.57 | 5014.86 | 156381.08 |
| 33 | 2028-03 | 6198.43 | 1146.79 | 5051.63 | 151329.45 |
| 34 | 2028-04 | 6198.43 | 1109.75 | 5088.68 | 146240.77 |
| 35 | 2028-05 | 6198.43 | 1072.43 | 5125.99 | 141114.77 |
| 36 | 2028-06 | 6198.43 | 1034.84 | 5163.59 | 135951.19 |
| 37 | 2028-07 | 6198.43 | 996.98 | 5201.45 | 130749.74 |
| 38 | 2028-08 | 6198.43 | 958.83 | 5239.60 | 125510.14 |
| 39 | 2028-09 | 6198.43 | 920.41 | 5278.02 | 120232.12 |
| 40 | 2028-10 | 6198.43 | 881.70 | 5316.72 | 114915.40 |
| 41 | 2028-11 | 6198.43 | 842.71 | 5355.71 | 109559.68 |
| 42 | 2028-12 | 6198.43 | 803.44 | 5394.99 | 104164.69 |
| 43 | 2029-01 | 6198.43 | 763.87 | 5434.55 | 98730.14 |
| 44 | 2029-02 | 6198.43 | 724.02 | 5474.41 | 93255.73 |
| 45 | 2029-03 | 6198.43 | 683.88 | 5514.55 | 87741.18 |
| 46 | 2029-04 | 6198.43 | 643.44 | 5554.99 | 82186.19 |
| 47 | 2029-05 | 6198.43 | 602.70 | 5595.73 | 76590.46 |
| 48 | 2029-06 | 6198.43 | 561.66 | 5636.76 | 70953.70 |
| 49 | 2029-07 | 6198.43 | 520.33 | 5678.10 | 65275.60 |
| 50 | 2029-08 | 6198.43 | 478.69 | 5719.74 | 59555.86 |
| 51 | 2029-09 | 6198.43 | 436.74 | 5761.68 | 53794.18 |
| 52 | 2029-10 | 6198.43 | 394.49 | 5803.94 | 47990.24 |
| 53 | 2029-11 | 6198.43 | 351.93 | 5846.50 | 42143.74 |
| 54 | 2029-12 | 6198.43 | 309.05 | 5889.37 | 36254.37 |
| 55 | 2030-01 | 6198.43 | 265.87 | 5932.56 | 30321.81 |
| 56 | 2030-02 | 6198.43 | 222.36 | 5976.07 | 24345.74 |
| 57 | 2030-03 | 6198.43 | 178.54 | 6019.89 | 18325.85 |
| 58 | 2030-04 | 6198.43 | 134.39 | 6064.04 | 12261.81 |
| 59 | 2030-05 | 6198.43 | 89.92 | 6108.51 | 6153.30 |
| 60 | 2030-06 | 6198.43 | 45.12 | 6153.30 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：5年
首月还款：7200元
每月递减：36.67元
利息总额：6.71万
本息合计：36.71万
节省利息：4805.62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 | 7200.00 | 2200.00 | 5000.00 | 295000.00 |
| 2 | 2025-08 | 7163.33 | 2163.33 | 5000.00 | 290000.00 |
| 3 | 2025-09 | 7126.67 | 2126.67 | 5000.00 | 285000.00 |
| 4 | 2025-10 | 7090.00 | 2090.00 | 5000.00 | 280000.00 |
| 5 | 2025-11 | 7053.33 | 2053.33 | 5000.00 | 275000.00 |
| 6 | 2025-12 | 7016.67 | 2016.67 | 5000.00 | 270000.00 |
| 7 | 2026-01 | 6980.00 | 1980.00 | 5000.00 | 265000.00 |
| 8 | 2026-02 | 6943.33 | 1943.33 | 5000.00 | 260000.00 |
| 9 | 2026-03 | 6906.67 | 1906.67 | 5000.00 | 255000.00 |
| 10 | 2026-04 | 6870.00 | 1870.00 | 5000.00 | 250000.00 |
| 11 | 2026-05 | 6833.33 | 1833.33 | 5000.00 | 245000.00 |
| 12 | 2026-06 | 6796.67 | 1796.67 | 5000.00 | 240000.00 |
| 13 | 2026-07 | 6760.00 | 1760.00 | 5000.00 | 235000.00 |
| 14 | 2026-08 | 6723.33 | 1723.33 | 5000.00 | 230000.00 |
| 15 | 2026-09 | 6686.67 | 1686.67 | 5000.00 | 225000.00 |
| 16 | 2026-10 | 6650.00 | 1650.00 | 5000.00 | 220000.00 |
| 17 | 2026-11 | 6613.33 | 1613.33 | 5000.00 | 215000.00 |
| 18 | 2026-12 | 6576.67 | 1576.67 | 5000.00 | 210000.00 |
| 19 | 2027-01 | 6540.00 | 1540.00 | 5000.00 | 205000.00 |
| 20 | 2027-02 | 6503.33 | 1503.33 | 5000.00 | 200000.00 |
| 21 | 2027-03 | 6466.67 | 1466.67 | 5000.00 | 195000.00 |
| 22 | 2027-04 | 6430.00 | 1430.00 | 5000.00 | 190000.00 |
| 23 | 2027-05 | 6393.33 | 1393.33 | 5000.00 | 185000.00 |
| 24 | 2027-06 | 6356.67 | 1356.67 | 5000.00 | 180000.00 |
| 25 | 2027-07 | 6320.00 | 1320.00 | 5000.00 | 175000.00 |
| 26 | 2027-08 | 6283.33 | 1283.33 | 5000.00 | 170000.00 |
| 27 | 2027-09 | 6246.67 | 1246.67 | 5000.00 | 165000.00 |
| 28 | 2027-10 | 6210.00 | 1210.00 | 5000.00 | 160000.00 |
| 29 | 2027-11 | 6173.33 | 1173.33 | 5000.00 | 155000.00 |
| 30 | 2027-12 | 6136.67 | 1136.67 | 5000.00 | 150000.00 |
| 31 | 2028-01 | 6100.00 | 1100.00 | 5000.00 | 145000.00 |
| 32 | 2028-02 | 6063.33 | 1063.33 | 5000.00 | 140000.00 |
| 33 | 2028-03 | 6026.67 | 1026.67 | 5000.00 | 135000.00 |
| 34 | 2028-04 | 5990.00 | 990.00 | 5000.00 | 130000.00 |
| 35 | 2028-05 | 5953.33 | 953.33 | 5000.00 | 125000.00 |
| 36 | 2028-06 | 5916.67 | 916.67 | 5000.00 | 120000.00 |
| 37 | 2028-07 | 5880.00 | 880.00 | 5000.00 | 115000.00 |
| 38 | 2028-08 | 5843.33 | 843.33 | 5000.00 | 110000.00 |
| 39 | 2028-09 | 5806.67 | 806.67 | 5000.00 | 105000.00 |
| 40 | 2028-10 | 5770.00 | 770.00 | 5000.00 | 100000.00 |
| 41 | 2028-11 | 5733.33 | 733.33 | 5000.00 | 95000.00 |
| 42 | 2028-12 | 5696.67 | 696.67 | 5000.00 | 90000.00 |
| 43 | 2029-01 | 5660.00 | 660.00 | 5000.00 | 85000.00 |
| 44 | 2029-02 | 5623.33 | 623.33 | 5000.00 | 80000.00 |
| 45 | 2029-03 | 5586.67 | 586.67 | 5000.00 | 75000.00 |
| 46 | 2029-04 | 5550.00 | 550.00 | 5000.00 | 70000.00 |
| 47 | 2029-05 | 5513.33 | 513.33 | 5000.00 | 65000.00 |
| 48 | 2029-06 | 5476.67 | 476.67 | 5000.00 | 60000.00 |
| 49 | 2029-07 | 5440.00 | 440.00 | 5000.00 | 55000.00 |
| 50 | 2029-08 | 5403.33 | 403.33 | 5000.00 | 50000.00 |
| 51 | 2029-09 | 5366.67 | 366.67 | 5000.00 | 45000.00 |
| 52 | 2029-10 | 5330.00 | 330.00 | 5000.00 | 40000.00 |
| 53 | 2029-11 | 5293.33 | 293.33 | 5000.00 | 35000.00 |
| 54 | 2029-12 | 5256.67 | 256.67 | 5000.00 | 30000.00 |
| 55 | 2030-01 | 5220.00 | 220.00 | 5000.00 | 25000.00 |
| 56 | 2030-02 | 5183.33 | 183.33 | 5000.00 | 20000.00 |
| 57 | 2030-03 | 5146.67 | 146.67 | 5000.00 | 15000.00 |
| 58 | 2030-04 | 5110.00 | 110.00 | 5000.00 | 10000.00 |
| 59 | 2030-05 | 5073.33 | 73.33 | 5000.00 | 5000.00 |
| 60 | 2030-06 | 5036.67 | 36.67 | 5000.00 | 0.00 |