贷款4万（商业贷款）房贷，还款2年9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：4万
还款月数：2年9个月
每月还款：1274.04元
利息总额：2043.35元
本息合计：4.2万
| 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 | 1274.04 | 118.33 | 1155.71 | 38844.29 |
| 2 | 2025-09 | 1274.04 | 114.91 | 1159.13 | 37685.17 |
| 3 | 2025-10 | 1274.04 | 111.49 | 1162.56 | 36522.61 |
| 4 | 2025-11 | 1274.04 | 108.05 | 1165.99 | 35356.61 |
| 5 | 2025-12 | 1274.04 | 104.60 | 1169.44 | 34187.17 |
| 6 | 2026-01 | 1274.04 | 101.14 | 1172.90 | 33014.27 |
| 7 | 2026-02 | 1274.04 | 97.67 | 1176.37 | 31837.89 |
| 8 | 2026-03 | 1274.04 | 94.19 | 1179.85 | 30658.04 |
| 9 | 2026-04 | 1274.04 | 90.70 | 1183.34 | 29474.69 |
| 10 | 2026-05 | 1274.04 | 87.20 | 1186.85 | 28287.85 |
| 11 | 2026-06 | 1274.04 | 83.68 | 1190.36 | 27097.49 |
| 12 | 2026-07 | 1274.04 | 80.16 | 1193.88 | 25903.62 |
| 13 | 2026-08 | 1274.04 | 76.63 | 1197.41 | 24706.21 |
| 14 | 2026-09 | 1274.04 | 73.09 | 1200.95 | 23505.25 |
| 15 | 2026-10 | 1274.04 | 69.54 | 1204.50 | 22300.75 |
| 16 | 2026-11 | 1274.04 | 65.97 | 1208.07 | 21092.68 |
| 17 | 2026-12 | 1274.04 | 62.40 | 1211.64 | 19881.04 |
| 18 | 2027-01 | 1274.04 | 58.81 | 1215.23 | 18665.81 |
| 19 | 2027-02 | 1274.04 | 55.22 | 1218.82 | 17446.99 |
| 20 | 2027-03 | 1274.04 | 51.61 | 1222.43 | 16224.56 |
| 21 | 2027-04 | 1274.04 | 48.00 | 1226.04 | 14998.52 |
| 22 | 2027-05 | 1274.04 | 44.37 | 1229.67 | 13768.85 |
| 23 | 2027-06 | 1274.04 | 40.73 | 1233.31 | 12535.54 |
| 24 | 2027-07 | 1274.04 | 37.08 | 1236.96 | 11298.59 |
| 25 | 2027-08 | 1274.04 | 33.42 | 1240.62 | 10057.97 |
| 26 | 2027-09 | 1274.04 | 29.75 | 1244.29 | 8813.68 |
| 27 | 2027-10 | 1274.04 | 26.07 | 1247.97 | 7565.72 |
| 28 | 2027-11 | 1274.04 | 22.38 | 1251.66 | 6314.06 |
| 29 | 2027-12 | 1274.04 | 18.68 | 1255.36 | 5058.70 |
| 30 | 2028-01 | 1274.04 | 14.97 | 1259.08 | 3799.62 |
| 31 | 2028-02 | 1274.04 | 11.24 | 1262.80 | 2536.82 |
| 32 | 2028-03 | 1274.04 | 7.50 | 1266.54 | 1270.28 |
| 33 | 2028-04 | 1274.04 | 3.76 | 1270.28 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：2年9个月
首月还款：1330.45元
每月递减：3.59元
利息总额：2011.67元
本息合计：4.2万
节省利息：31.69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 | 1330.45 | 118.33 | 1212.12 | 38787.88 |
| 2 | 2025-09 | 1326.87 | 114.75 | 1212.12 | 37575.76 |
| 3 | 2025-10 | 1323.28 | 111.16 | 1212.12 | 36363.64 |
| 4 | 2025-11 | 1319.70 | 107.58 | 1212.12 | 35151.52 |
| 5 | 2025-12 | 1316.11 | 103.99 | 1212.12 | 33939.39 |
| 6 | 2026-01 | 1312.53 | 100.40 | 1212.12 | 32727.27 |
| 7 | 2026-02 | 1308.94 | 96.82 | 1212.12 | 31515.15 |
| 8 | 2026-03 | 1305.35 | 93.23 | 1212.12 | 30303.03 |
| 9 | 2026-04 | 1301.77 | 89.65 | 1212.12 | 29090.91 |
| 10 | 2026-05 | 1298.18 | 86.06 | 1212.12 | 27878.79 |
| 11 | 2026-06 | 1294.60 | 82.47 | 1212.12 | 26666.67 |
| 12 | 2026-07 | 1291.01 | 78.89 | 1212.12 | 25454.55 |
| 13 | 2026-08 | 1287.42 | 75.30 | 1212.12 | 24242.42 |
| 14 | 2026-09 | 1283.84 | 71.72 | 1212.12 | 23030.30 |
| 15 | 2026-10 | 1280.25 | 68.13 | 1212.12 | 21818.18 |
| 16 | 2026-11 | 1276.67 | 64.55 | 1212.12 | 20606.06 |
| 17 | 2026-12 | 1273.08 | 60.96 | 1212.12 | 19393.94 |
| 18 | 2027-01 | 1269.49 | 57.37 | 1212.12 | 18181.82 |
| 19 | 2027-02 | 1265.91 | 53.79 | 1212.12 | 16969.70 |
| 20 | 2027-03 | 1262.32 | 50.20 | 1212.12 | 15757.58 |
| 21 | 2027-04 | 1258.74 | 46.62 | 1212.12 | 14545.45 |
| 22 | 2027-05 | 1255.15 | 43.03 | 1212.12 | 13333.33 |
| 23 | 2027-06 | 1251.57 | 39.44 | 1212.12 | 12121.21 |
| 24 | 2027-07 | 1247.98 | 35.86 | 1212.12 | 10909.09 |
| 25 | 2027-08 | 1244.39 | 32.27 | 1212.12 | 9696.97 |
| 26 | 2027-09 | 1240.81 | 28.69 | 1212.12 | 8484.85 |
| 27 | 2027-10 | 1237.22 | 25.10 | 1212.12 | 7272.73 |
| 28 | 2027-11 | 1233.64 | 21.52 | 1212.12 | 6060.61 |
| 29 | 2027-12 | 1230.05 | 17.93 | 1212.12 | 4848.48 |
| 30 | 2028-01 | 1226.46 | 14.34 | 1212.12 | 3636.36 |
| 31 | 2028-02 | 1222.88 | 10.76 | 1212.12 | 2424.24 |
| 32 | 2028-03 | 1219.29 | 7.17 | 1212.12 | 1212.12 |
| 33 | 2028-04 | 1215.71 | 3.59 | 1212.12 | 0.00 |