贷款13万（商业贷款）房贷，还款4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：13万
还款月数：4年
每月还款：2877.46元
利息总额：8118.2元
本息合计：13.81万
| 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 | 2877.46 | 325.00 | 2552.46 | 127447.54 |
| 2 | 2025-09 | 2877.46 | 318.62 | 2558.84 | 124888.69 |
| 3 | 2025-10 | 2877.46 | 312.22 | 2565.24 | 122323.45 |
| 4 | 2025-11 | 2877.46 | 305.81 | 2571.65 | 119751.80 |
| 5 | 2025-12 | 2877.46 | 299.38 | 2578.08 | 117173.72 |
| 6 | 2026-01 | 2877.46 | 292.93 | 2584.53 | 114589.19 |
| 7 | 2026-02 | 2877.46 | 286.47 | 2590.99 | 111998.20 |
| 8 | 2026-03 | 2877.46 | 280.00 | 2597.47 | 109400.73 |
| 9 | 2026-04 | 2877.46 | 273.50 | 2603.96 | 106796.77 |
| 10 | 2026-05 | 2877.46 | 266.99 | 2610.47 | 104186.30 |
| 11 | 2026-06 | 2877.46 | 260.47 | 2617.00 | 101569.30 |
| 12 | 2026-07 | 2877.46 | 253.92 | 2623.54 | 98945.76 |
| 13 | 2026-08 | 2877.46 | 247.36 | 2630.10 | 96315.67 |
| 14 | 2026-09 | 2877.46 | 240.79 | 2636.67 | 93678.99 |
| 15 | 2026-10 | 2877.46 | 234.20 | 2643.27 | 91035.73 |
| 16 | 2026-11 | 2877.46 | 227.59 | 2649.87 | 88385.85 |
| 17 | 2026-12 | 2877.46 | 220.96 | 2656.50 | 85729.36 |
| 18 | 2027-01 | 2877.46 | 214.32 | 2663.14 | 83066.22 |
| 19 | 2027-02 | 2877.46 | 207.67 | 2669.80 | 80396.42 |
| 20 | 2027-03 | 2877.46 | 200.99 | 2676.47 | 77719.95 |
| 21 | 2027-04 | 2877.46 | 194.30 | 2683.16 | 75036.79 |
| 22 | 2027-05 | 2877.46 | 187.59 | 2689.87 | 72346.92 |
| 23 | 2027-06 | 2877.46 | 180.87 | 2696.60 | 69650.32 |
| 24 | 2027-07 | 2877.46 | 174.13 | 2703.34 | 66946.98 |
| 25 | 2027-08 | 2877.46 | 167.37 | 2710.10 | 64236.89 |
| 26 | 2027-09 | 2877.46 | 160.59 | 2716.87 | 61520.02 |
| 27 | 2027-10 | 2877.46 | 153.80 | 2723.66 | 58796.36 |
| 28 | 2027-11 | 2877.46 | 146.99 | 2730.47 | 56065.88 |
| 29 | 2027-12 | 2877.46 | 140.16 | 2737.30 | 53328.59 |
| 30 | 2028-01 | 2877.46 | 133.32 | 2744.14 | 50584.45 |
| 31 | 2028-02 | 2877.46 | 126.46 | 2751.00 | 47833.44 |
| 32 | 2028-03 | 2877.46 | 119.58 | 2757.88 | 45075.57 |
| 33 | 2028-04 | 2877.46 | 112.69 | 2764.77 | 42310.79 |
| 34 | 2028-05 | 2877.46 | 105.78 | 2771.69 | 39539.11 |
| 35 | 2028-06 | 2877.46 | 98.85 | 2778.61 | 36760.49 |
| 36 | 2028-07 | 2877.46 | 91.90 | 2785.56 | 33974.93 |
| 37 | 2028-08 | 2877.46 | 84.94 | 2792.53 | 31182.41 |
| 38 | 2028-09 | 2877.46 | 77.96 | 2799.51 | 28382.90 |
| 39 | 2028-10 | 2877.46 | 70.96 | 2806.51 | 25576.39 |
| 40 | 2028-11 | 2877.46 | 63.94 | 2813.52 | 22762.87 |
| 41 | 2028-12 | 2877.46 | 56.91 | 2820.56 | 19942.32 |
| 42 | 2029-01 | 2877.46 | 49.86 | 2827.61 | 17114.71 |
| 43 | 2029-02 | 2877.46 | 42.79 | 2834.68 | 14280.03 |
| 44 | 2029-03 | 2877.46 | 35.70 | 2841.76 | 11438.27 |
| 45 | 2029-04 | 2877.46 | 28.60 | 2848.87 | 8589.40 |
| 46 | 2029-05 | 2877.46 | 21.47 | 2855.99 | 5733.42 |
| 47 | 2029-06 | 2877.46 | 14.33 | 2863.13 | 2870.29 |
| 48 | 2029-07 | 2877.46 | 7.18 | 2870.29 | 0.00 |
等额本金还款方式：
贷款总额：13万
还款月数：4年
首月还款：3033.33元
每月递减：6.77元
利息总额：7962.5元
本息合计：13.8万
节省利息：155.7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 | 3033.33 | 325.00 | 2708.33 | 127291.67 |
| 2 | 2025-09 | 3026.56 | 318.23 | 2708.33 | 124583.33 |
| 3 | 2025-10 | 3019.79 | 311.46 | 2708.33 | 121875.00 |
| 4 | 2025-11 | 3013.02 | 304.69 | 2708.33 | 119166.67 |
| 5 | 2025-12 | 3006.25 | 297.92 | 2708.33 | 116458.33 |
| 6 | 2026-01 | 2999.48 | 291.15 | 2708.33 | 113750.00 |
| 7 | 2026-02 | 2992.71 | 284.38 | 2708.33 | 111041.67 |
| 8 | 2026-03 | 2985.94 | 277.60 | 2708.33 | 108333.33 |
| 9 | 2026-04 | 2979.17 | 270.83 | 2708.33 | 105625.00 |
| 10 | 2026-05 | 2972.40 | 264.06 | 2708.33 | 102916.67 |
| 11 | 2026-06 | 2965.63 | 257.29 | 2708.33 | 100208.33 |
| 12 | 2026-07 | 2958.85 | 250.52 | 2708.33 | 97500.00 |
| 13 | 2026-08 | 2952.08 | 243.75 | 2708.33 | 94791.67 |
| 14 | 2026-09 | 2945.31 | 236.98 | 2708.33 | 92083.33 |
| 15 | 2026-10 | 2938.54 | 230.21 | 2708.33 | 89375.00 |
| 16 | 2026-11 | 2931.77 | 223.44 | 2708.33 | 86666.67 |
| 17 | 2026-12 | 2925.00 | 216.67 | 2708.33 | 83958.33 |
| 18 | 2027-01 | 2918.23 | 209.90 | 2708.33 | 81250.00 |
| 19 | 2027-02 | 2911.46 | 203.13 | 2708.33 | 78541.67 |
| 20 | 2027-03 | 2904.69 | 196.35 | 2708.33 | 75833.33 |
| 21 | 2027-04 | 2897.92 | 189.58 | 2708.33 | 73125.00 |
| 22 | 2027-05 | 2891.15 | 182.81 | 2708.33 | 70416.67 |
| 23 | 2027-06 | 2884.38 | 176.04 | 2708.33 | 67708.33 |
| 24 | 2027-07 | 2877.60 | 169.27 | 2708.33 | 65000.00 |
| 25 | 2027-08 | 2870.83 | 162.50 | 2708.33 | 62291.67 |
| 26 | 2027-09 | 2864.06 | 155.73 | 2708.33 | 59583.33 |
| 27 | 2027-10 | 2857.29 | 148.96 | 2708.33 | 56875.00 |
| 28 | 2027-11 | 2850.52 | 142.19 | 2708.33 | 54166.67 |
| 29 | 2027-12 | 2843.75 | 135.42 | 2708.33 | 51458.33 |
| 30 | 2028-01 | 2836.98 | 128.65 | 2708.33 | 48750.00 |
| 31 | 2028-02 | 2830.21 | 121.88 | 2708.33 | 46041.67 |
| 32 | 2028-03 | 2823.44 | 115.10 | 2708.33 | 43333.33 |
| 33 | 2028-04 | 2816.67 | 108.33 | 2708.33 | 40625.00 |
| 34 | 2028-05 | 2809.90 | 101.56 | 2708.33 | 37916.67 |
| 35 | 2028-06 | 2803.13 | 94.79 | 2708.33 | 35208.33 |
| 36 | 2028-07 | 2796.35 | 88.02 | 2708.33 | 32500.00 |
| 37 | 2028-08 | 2789.58 | 81.25 | 2708.33 | 29791.67 |
| 38 | 2028-09 | 2782.81 | 74.48 | 2708.33 | 27083.33 |
| 39 | 2028-10 | 2776.04 | 67.71 | 2708.33 | 24375.00 |
| 40 | 2028-11 | 2769.27 | 60.94 | 2708.33 | 21666.67 |
| 41 | 2028-12 | 2762.50 | 54.17 | 2708.33 | 18958.33 |
| 42 | 2029-01 | 2755.73 | 47.40 | 2708.33 | 16250.00 |
| 43 | 2029-02 | 2748.96 | 40.63 | 2708.33 | 13541.67 |
| 44 | 2029-03 | 2742.19 | 33.85 | 2708.33 | 10833.33 |
| 45 | 2029-04 | 2735.42 | 27.08 | 2708.33 | 8125.00 |
| 46 | 2029-05 | 2728.65 | 20.31 | 2708.33 | 5416.67 |
| 47 | 2029-06 | 2721.88 | 13.54 | 2708.33 | 2708.33 |
| 48 | 2029-07 | 2715.10 | 6.77 | 2708.33 | 0.00 |