贷款4万（商业贷款）房贷，还款2年1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1个月
每月还款：1662.26元
利息总额：1556.51元
本息合计：4.16万
| 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 | 1662.26 | 118.33 | 1543.93 | 38456.07 |
| 2 | 2025-09 | 1662.26 | 113.77 | 1548.49 | 36907.58 |
| 3 | 2025-10 | 1662.26 | 109.18 | 1553.08 | 35354.50 |
| 4 | 2025-11 | 1662.26 | 104.59 | 1557.67 | 33796.83 |
| 5 | 2025-12 | 1662.26 | 99.98 | 1562.28 | 32234.56 |
| 6 | 2026-01 | 1662.26 | 95.36 | 1566.90 | 30667.66 |
| 7 | 2026-02 | 1662.26 | 90.73 | 1571.54 | 29096.12 |
| 8 | 2026-03 | 1662.26 | 86.08 | 1576.18 | 27519.94 |
| 9 | 2026-04 | 1662.26 | 81.41 | 1580.85 | 25939.09 |
| 10 | 2026-05 | 1662.26 | 76.74 | 1585.52 | 24353.56 |
| 11 | 2026-06 | 1662.26 | 72.05 | 1590.21 | 22763.35 |
| 12 | 2026-07 | 1662.26 | 67.34 | 1594.92 | 21168.43 |
| 13 | 2026-08 | 1662.26 | 62.62 | 1599.64 | 19568.79 |
| 14 | 2026-09 | 1662.26 | 57.89 | 1604.37 | 17964.43 |
| 15 | 2026-10 | 1662.26 | 53.14 | 1609.12 | 16355.31 |
| 16 | 2026-11 | 1662.26 | 48.38 | 1613.88 | 14741.43 |
| 17 | 2026-12 | 1662.26 | 43.61 | 1618.65 | 13122.78 |
| 18 | 2027-01 | 1662.26 | 38.82 | 1623.44 | 11499.34 |
| 19 | 2027-02 | 1662.26 | 34.02 | 1628.24 | 9871.10 |
| 20 | 2027-03 | 1662.26 | 29.20 | 1633.06 | 8238.05 |
| 21 | 2027-04 | 1662.26 | 24.37 | 1637.89 | 6600.16 |
| 22 | 2027-05 | 1662.26 | 19.53 | 1642.73 | 4957.42 |
| 23 | 2027-06 | 1662.26 | 14.67 | 1647.59 | 3309.83 |
| 24 | 2027-07 | 1662.26 | 9.79 | 1652.47 | 1657.36 |
| 25 | 2027-08 | 1662.26 | 4.90 | 1657.36 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：2年1个月
首月还款：1718.33元
每月递减：4.73元
利息总额：1538.33元
本息合计：4.15万
节省利息：18.18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 | 1718.33 | 118.33 | 1600.00 | 38400.00 |
| 2 | 2025-09 | 1713.60 | 113.60 | 1600.00 | 36800.00 |
| 3 | 2025-10 | 1708.87 | 108.87 | 1600.00 | 35200.00 |
| 4 | 2025-11 | 1704.13 | 104.13 | 1600.00 | 33600.00 |
| 5 | 2025-12 | 1699.40 | 99.40 | 1600.00 | 32000.00 |
| 6 | 2026-01 | 1694.67 | 94.67 | 1600.00 | 30400.00 |
| 7 | 2026-02 | 1689.93 | 89.93 | 1600.00 | 28800.00 |
| 8 | 2026-03 | 1685.20 | 85.20 | 1600.00 | 27200.00 |
| 9 | 2026-04 | 1680.47 | 80.47 | 1600.00 | 25600.00 |
| 10 | 2026-05 | 1675.73 | 75.73 | 1600.00 | 24000.00 |
| 11 | 2026-06 | 1671.00 | 71.00 | 1600.00 | 22400.00 |
| 12 | 2026-07 | 1666.27 | 66.27 | 1600.00 | 20800.00 |
| 13 | 2026-08 | 1661.53 | 61.53 | 1600.00 | 19200.00 |
| 14 | 2026-09 | 1656.80 | 56.80 | 1600.00 | 17600.00 |
| 15 | 2026-10 | 1652.07 | 52.07 | 1600.00 | 16000.00 |
| 16 | 2026-11 | 1647.33 | 47.33 | 1600.00 | 14400.00 |
| 17 | 2026-12 | 1642.60 | 42.60 | 1600.00 | 12800.00 |
| 18 | 2027-01 | 1637.87 | 37.87 | 1600.00 | 11200.00 |
| 19 | 2027-02 | 1633.13 | 33.13 | 1600.00 | 9600.00 |
| 20 | 2027-03 | 1628.40 | 28.40 | 1600.00 | 8000.00 |
| 21 | 2027-04 | 1623.67 | 23.67 | 1600.00 | 6400.00 |
| 22 | 2027-05 | 1618.93 | 18.93 | 1600.00 | 4800.00 |
| 23 | 2027-06 | 1614.20 | 14.20 | 1600.00 | 3200.00 |
| 24 | 2027-07 | 1609.47 | 9.47 | 1600.00 | 1600.00 |
| 25 | 2027-08 | 1604.73 | 4.73 | 1600.00 | 0.00 |