贷款400元（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：400元
还款月数：3年
每月还款：11.86元
利息总额：27.07元
本息合计：427.07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 | 11.86 | 1.43 | 10.43 | 389.57 |
| 2 | 2025-09 | 11.86 | 1.40 | 10.47 | 379.10 |
| 3 | 2025-10 | 11.86 | 1.36 | 10.50 | 368.60 |
| 4 | 2025-11 | 11.86 | 1.32 | 10.54 | 358.06 |
| 5 | 2025-12 | 11.86 | 1.28 | 10.58 | 347.48 |
| 6 | 2026-01 | 11.86 | 1.25 | 10.62 | 336.86 |
| 7 | 2026-02 | 11.86 | 1.21 | 10.66 | 326.20 |
| 8 | 2026-03 | 11.86 | 1.17 | 10.69 | 315.51 |
| 9 | 2026-04 | 11.86 | 1.13 | 10.73 | 304.78 |
| 10 | 2026-05 | 11.86 | 1.09 | 10.77 | 294.00 |
| 11 | 2026-06 | 11.86 | 1.05 | 10.81 | 283.20 |
| 12 | 2026-07 | 11.86 | 1.01 | 10.85 | 272.35 |
| 13 | 2026-08 | 11.86 | 0.98 | 10.89 | 261.46 |
| 14 | 2026-09 | 11.86 | 0.94 | 10.93 | 250.53 |
| 15 | 2026-10 | 11.86 | 0.90 | 10.97 | 239.57 |
| 16 | 2026-11 | 11.86 | 0.86 | 11.00 | 228.56 |
| 17 | 2026-12 | 11.86 | 0.82 | 11.04 | 217.52 |
| 18 | 2027-01 | 11.86 | 0.78 | 11.08 | 206.44 |
| 19 | 2027-02 | 11.86 | 0.74 | 11.12 | 195.31 |
| 20 | 2027-03 | 11.86 | 0.70 | 11.16 | 184.15 |
| 21 | 2027-04 | 11.86 | 0.66 | 11.20 | 172.95 |
| 22 | 2027-05 | 11.86 | 0.62 | 11.24 | 161.70 |
| 23 | 2027-06 | 11.86 | 0.58 | 11.28 | 150.42 |
| 24 | 2027-07 | 11.86 | 0.54 | 11.32 | 139.10 |
| 25 | 2027-08 | 11.86 | 0.50 | 11.36 | 127.73 |
| 26 | 2027-09 | 11.86 | 0.46 | 11.41 | 116.33 |
| 27 | 2027-10 | 11.86 | 0.42 | 11.45 | 104.88 |
| 28 | 2027-11 | 11.86 | 0.38 | 11.49 | 93.39 |
| 29 | 2027-12 | 11.86 | 0.33 | 11.53 | 81.86 |
| 30 | 2028-01 | 11.86 | 0.29 | 11.57 | 70.29 |
| 31 | 2028-02 | 11.86 | 0.25 | 11.61 | 58.68 |
| 32 | 2028-03 | 11.86 | 0.21 | 11.65 | 47.03 |
| 33 | 2028-04 | 11.86 | 0.17 | 11.69 | 35.34 |
| 34 | 2028-05 | 11.86 | 0.13 | 11.74 | 23.60 |
| 35 | 2028-06 | 11.86 | 0.08 | 11.78 | 11.82 |
| 36 | 2028-07 | 11.86 | 0.04 | 11.82 | 0.00 |
等额本金还款方式：
贷款总额：400元
还款月数：3年
首月还款：12.54元
每月递减：0.04元
利息总额：26.52元
本息合计：426.52元
节省利息：0.55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 | 12.54 | 1.43 | 11.11 | 388.89 |
| 2 | 2025-09 | 12.50 | 1.39 | 11.11 | 377.78 |
| 3 | 2025-10 | 12.46 | 1.35 | 11.11 | 366.67 |
| 4 | 2025-11 | 12.42 | 1.31 | 11.11 | 355.56 |
| 5 | 2025-12 | 12.39 | 1.27 | 11.11 | 344.44 |
| 6 | 2026-01 | 12.35 | 1.23 | 11.11 | 333.33 |
| 7 | 2026-02 | 12.31 | 1.19 | 11.11 | 322.22 |
| 8 | 2026-03 | 12.27 | 1.15 | 11.11 | 311.11 |
| 9 | 2026-04 | 12.23 | 1.11 | 11.11 | 300.00 |
| 10 | 2026-05 | 12.19 | 1.07 | 11.11 | 288.89 |
| 11 | 2026-06 | 12.15 | 1.04 | 11.11 | 277.78 |
| 12 | 2026-07 | 12.11 | 1.00 | 11.11 | 266.67 |
| 13 | 2026-08 | 12.07 | 0.96 | 11.11 | 255.56 |
| 14 | 2026-09 | 12.03 | 0.92 | 11.11 | 244.44 |
| 15 | 2026-10 | 11.99 | 0.88 | 11.11 | 233.33 |
| 16 | 2026-11 | 11.95 | 0.84 | 11.11 | 222.22 |
| 17 | 2026-12 | 11.91 | 0.80 | 11.11 | 211.11 |
| 18 | 2027-01 | 11.87 | 0.76 | 11.11 | 200.00 |
| 19 | 2027-02 | 11.83 | 0.72 | 11.11 | 188.89 |
| 20 | 2027-03 | 11.79 | 0.68 | 11.11 | 177.78 |
| 21 | 2027-04 | 11.75 | 0.64 | 11.11 | 166.67 |
| 22 | 2027-05 | 11.71 | 0.60 | 11.11 | 155.56 |
| 23 | 2027-06 | 11.67 | 0.56 | 11.11 | 144.44 |
| 24 | 2027-07 | 11.63 | 0.52 | 11.11 | 133.33 |
| 25 | 2027-08 | 11.59 | 0.48 | 11.11 | 122.22 |
| 26 | 2027-09 | 11.55 | 0.44 | 11.11 | 111.11 |
| 27 | 2027-10 | 11.51 | 0.40 | 11.11 | 100.00 |
| 28 | 2027-11 | 11.47 | 0.36 | 11.11 | 88.89 |
| 29 | 2027-12 | 11.43 | 0.32 | 11.11 | 77.78 |
| 30 | 2028-01 | 11.39 | 0.28 | 11.11 | 66.67 |
| 31 | 2028-02 | 11.35 | 0.24 | 11.11 | 55.56 |
| 32 | 2028-03 | 11.31 | 0.20 | 11.11 | 44.44 |
| 33 | 2028-04 | 11.27 | 0.16 | 11.11 | 33.33 |
| 34 | 2028-05 | 11.23 | 0.12 | 11.11 | 22.22 |
| 35 | 2028-06 | 11.19 | 0.08 | 11.11 | 11.11 |
| 36 | 2028-07 | 11.15 | 0.04 | 11.11 | 0.00 |