四川贷款35万（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：35万
还款月数：3年
每月还款：10201.58元
利息总额：1.73万
本息合计：36.73万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-08 | 10201.58 | 918.75 | 9282.83 | 340717.17 |
| 2 | 2026-09 | 10201.58 | 894.38 | 9307.19 | 331409.98 |
| 3 | 2026-10 | 10201.58 | 869.95 | 9331.63 | 322078.35 |
| 4 | 2026-11 | 10201.58 | 845.46 | 9356.12 | 312722.23 |
| 5 | 2026-12 | 10201.58 | 820.90 | 9380.68 | 303341.55 |
| 6 | 2027-01 | 10201.58 | 796.27 | 9405.31 | 293936.25 |
| 7 | 2027-02 | 10201.58 | 771.58 | 9429.99 | 284506.25 |
| 8 | 2027-03 | 10201.58 | 746.83 | 9454.75 | 275051.51 |
| 9 | 2027-04 | 10201.58 | 722.01 | 9479.57 | 265571.94 |
| 10 | 2027-05 | 10201.58 | 697.13 | 9504.45 | 256067.49 |
| 11 | 2027-06 | 10201.58 | 672.18 | 9529.40 | 246538.09 |
| 12 | 2027-07 | 10201.58 | 647.16 | 9554.41 | 236983.67 |
| 13 | 2027-08 | 10201.58 | 622.08 | 9579.49 | 227404.18 |
| 14 | 2027-09 | 10201.58 | 596.94 | 9604.64 | 217799.54 |
| 15 | 2027-10 | 10201.58 | 571.72 | 9629.85 | 208169.69 |
| 16 | 2027-11 | 10201.58 | 546.45 | 9655.13 | 198514.56 |
| 17 | 2027-12 | 10201.58 | 521.10 | 9680.48 | 188834.08 |
| 18 | 2028-01 | 10201.58 | 495.69 | 9705.89 | 179128.19 |
| 19 | 2028-02 | 10201.58 | 470.21 | 9731.37 | 169396.83 |
| 20 | 2028-03 | 10201.58 | 444.67 | 9756.91 | 159639.92 |
| 21 | 2028-04 | 10201.58 | 419.05 | 9782.52 | 149857.40 |
| 22 | 2028-05 | 10201.58 | 393.38 | 9808.20 | 140049.19 |
| 23 | 2028-06 | 10201.58 | 367.63 | 9833.95 | 130215.25 |
| 24 | 2028-07 | 10201.58 | 341.82 | 9859.76 | 120355.48 |
| 25 | 2028-08 | 10201.58 | 315.93 | 9885.64 | 110469.84 |
| 26 | 2028-09 | 10201.58 | 289.98 | 9911.59 | 100558.25 |
| 27 | 2028-10 | 10201.58 | 263.97 | 9937.61 | 90620.64 |
| 28 | 2028-11 | 10201.58 | 237.88 | 9963.70 | 80656.94 |
| 29 | 2028-12 | 10201.58 | 211.72 | 9989.85 | 70667.09 |
| 30 | 2029-01 | 10201.58 | 185.50 | 10016.08 | 60651.01 |
| 31 | 2029-02 | 10201.58 | 159.21 | 10042.37 | 50608.64 |
| 32 | 2029-03 | 10201.58 | 132.85 | 10068.73 | 40539.91 |
| 33 | 2029-04 | 10201.58 | 106.42 | 10095.16 | 30444.76 |
| 34 | 2029-05 | 10201.58 | 79.92 | 10121.66 | 20323.10 |
| 35 | 2029-06 | 10201.58 | 53.35 | 10148.23 | 10174.87 |
| 36 | 2029-07 | 10201.58 | 26.71 | 10174.87 | 0.00 |
等额本金还款方式：
贷款总额：35万
还款月数：3年
首月还款：10640.97元
每月递减：25.52元
利息总额：1.7万
本息合计：36.7万
节省利息：259.89元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-08 | 10640.97 | 918.75 | 9722.22 | 340277.78 |
| 2 | 2026-09 | 10615.45 | 893.23 | 9722.22 | 330555.56 |
| 3 | 2026-10 | 10589.93 | 867.71 | 9722.22 | 320833.33 |
| 4 | 2026-11 | 10564.41 | 842.19 | 9722.22 | 311111.11 |
| 5 | 2026-12 | 10538.89 | 816.67 | 9722.22 | 301388.89 |
| 6 | 2027-01 | 10513.37 | 791.15 | 9722.22 | 291666.67 |
| 7 | 2027-02 | 10487.85 | 765.63 | 9722.22 | 281944.44 |
| 8 | 2027-03 | 10462.33 | 740.10 | 9722.22 | 272222.22 |
| 9 | 2027-04 | 10436.81 | 714.58 | 9722.22 | 262500.00 |
| 10 | 2027-05 | 10411.28 | 689.06 | 9722.22 | 252777.78 |
| 11 | 2027-06 | 10385.76 | 663.54 | 9722.22 | 243055.56 |
| 12 | 2027-07 | 10360.24 | 638.02 | 9722.22 | 233333.33 |
| 13 | 2027-08 | 10334.72 | 612.50 | 9722.22 | 223611.11 |
| 14 | 2027-09 | 10309.20 | 586.98 | 9722.22 | 213888.89 |
| 15 | 2027-10 | 10283.68 | 561.46 | 9722.22 | 204166.67 |
| 16 | 2027-11 | 10258.16 | 535.94 | 9722.22 | 194444.44 |
| 17 | 2027-12 | 10232.64 | 510.42 | 9722.22 | 184722.22 |
| 18 | 2028-01 | 10207.12 | 484.90 | 9722.22 | 175000.00 |
| 19 | 2028-02 | 10181.60 | 459.38 | 9722.22 | 165277.78 |
| 20 | 2028-03 | 10156.08 | 433.85 | 9722.22 | 155555.56 |
| 21 | 2028-04 | 10130.56 | 408.33 | 9722.22 | 145833.33 |
| 22 | 2028-05 | 10105.03 | 382.81 | 9722.22 | 136111.11 |
| 23 | 2028-06 | 10079.51 | 357.29 | 9722.22 | 126388.89 |
| 24 | 2028-07 | 10053.99 | 331.77 | 9722.22 | 116666.67 |
| 25 | 2028-08 | 10028.47 | 306.25 | 9722.22 | 106944.44 |
| 26 | 2028-09 | 10002.95 | 280.73 | 9722.22 | 97222.22 |
| 27 | 2028-10 | 9977.43 | 255.21 | 9722.22 | 87500.00 |
| 28 | 2028-11 | 9951.91 | 229.69 | 9722.22 | 77777.78 |
| 29 | 2028-12 | 9926.39 | 204.17 | 9722.22 | 68055.56 |
| 30 | 2029-01 | 9900.87 | 178.65 | 9722.22 | 58333.33 |
| 31 | 2029-02 | 9875.35 | 153.12 | 9722.22 | 48611.11 |
| 32 | 2029-03 | 9849.83 | 127.60 | 9722.22 | 38888.89 |
| 33 | 2029-04 | 9824.31 | 102.08 | 9722.22 | 29166.67 |
| 34 | 2029-05 | 9798.78 | 76.56 | 9722.22 | 19444.44 |
| 35 | 2029-06 | 9773.26 | 51.04 | 9722.22 | 9722.22 |
| 36 | 2029-07 | 9747.74 | 25.52 | 9722.22 | 0.00 |