贷款3.34万（商业贷款）房贷，还款3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：3.34万
还款月数：3年1个月
每月还款：963.73元
利息总额：2267.04元
本息合计：3.57万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 963.73 | 116.87 | 846.86 | 32544.16 |
| 2 | 2024-09 | 963.73 | 113.90 | 849.83 | 31694.33 |
| 3 | 2024-10 | 963.73 | 110.93 | 852.80 | 30841.53 |
| 4 | 2024-11 | 963.73 | 107.95 | 855.79 | 29985.74 |
| 5 | 2024-12 | 963.73 | 104.95 | 858.78 | 29126.96 |
| 6 | 2025-01 | 963.73 | 101.94 | 861.79 | 28265.18 |
| 7 | 2025-02 | 963.73 | 98.93 | 864.80 | 27400.37 |
| 8 | 2025-03 | 963.73 | 95.90 | 867.83 | 26532.54 |
| 9 | 2025-04 | 963.73 | 92.86 | 870.87 | 25661.67 |
| 10 | 2025-05 | 963.73 | 89.82 | 873.92 | 24787.76 |
| 11 | 2025-06 | 963.73 | 86.76 | 876.97 | 23910.78 |
| 12 | 2025-07 | 963.73 | 83.69 | 880.04 | 23030.74 |
| 13 | 2025-08 | 963.73 | 80.61 | 883.12 | 22147.62 |
| 14 | 2025-09 | 963.73 | 77.52 | 886.21 | 21261.40 |
| 15 | 2025-10 | 963.73 | 74.41 | 889.32 | 20372.09 |
| 16 | 2025-11 | 963.73 | 71.30 | 892.43 | 19479.66 |
| 17 | 2025-12 | 963.73 | 68.18 | 895.55 | 18584.10 |
| 18 | 2026-01 | 963.73 | 65.04 | 898.69 | 17685.42 |
| 19 | 2026-02 | 963.73 | 61.90 | 901.83 | 16783.59 |
| 20 | 2026-03 | 963.73 | 58.74 | 904.99 | 15878.60 |
| 21 | 2026-04 | 963.73 | 55.58 | 908.16 | 14970.44 |
| 22 | 2026-05 | 963.73 | 52.40 | 911.33 | 14059.11 |
| 23 | 2026-06 | 963.73 | 49.21 | 914.52 | 13144.58 |
| 24 | 2026-07 | 963.73 | 46.01 | 917.73 | 12226.86 |
| 25 | 2026-08 | 963.73 | 42.79 | 920.94 | 11305.92 |
| 26 | 2026-09 | 963.73 | 39.57 | 924.16 | 10381.76 |
| 27 | 2026-10 | 963.73 | 36.34 | 927.40 | 9454.36 |
| 28 | 2026-11 | 963.73 | 33.09 | 930.64 | 8523.72 |
| 29 | 2026-12 | 963.73 | 29.83 | 933.90 | 7589.82 |
| 30 | 2027-01 | 963.73 | 26.56 | 937.17 | 6652.66 |
| 31 | 2027-02 | 963.73 | 23.28 | 940.45 | 5712.21 |
| 32 | 2027-03 | 963.73 | 19.99 | 943.74 | 4768.47 |
| 33 | 2027-04 | 963.73 | 16.69 | 947.04 | 3821.43 |
| 34 | 2027-05 | 963.73 | 13.38 | 950.36 | 2871.07 |
| 35 | 2027-06 | 963.73 | 10.05 | 953.68 | 1917.39 |
| 36 | 2027-07 | 963.73 | 6.71 | 957.02 | 960.37 |
| 37 | 2027-08 | 963.73 | 3.36 | 960.37 | 0.00 |
等额本金还款方式：
贷款总额：3.34万
还款月数：3年1个月
首月还款：1019.33元
每月递减：3.16元
利息总额：2220.5元
本息合计：3.56万
节省利息：46.54元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 1019.33 | 116.87 | 902.46 | 32488.56 |
| 2 | 2024-09 | 1016.17 | 113.71 | 902.46 | 31586.10 |
| 3 | 2024-10 | 1013.01 | 110.55 | 902.46 | 30683.64 |
| 4 | 2024-11 | 1009.85 | 107.39 | 902.46 | 29781.18 |
| 5 | 2024-12 | 1006.69 | 104.23 | 902.46 | 28878.72 |
| 6 | 2025-01 | 1003.54 | 101.08 | 902.46 | 27976.26 |
| 7 | 2025-02 | 1000.38 | 97.92 | 902.46 | 27073.80 |
| 8 | 2025-03 | 997.22 | 94.76 | 902.46 | 26171.34 |
| 9 | 2025-04 | 994.06 | 91.60 | 902.46 | 25268.88 |
| 10 | 2025-05 | 990.90 | 88.44 | 902.46 | 24366.42 |
| 11 | 2025-06 | 987.74 | 85.28 | 902.46 | 23463.96 |
| 12 | 2025-07 | 984.58 | 82.12 | 902.46 | 22561.50 |
| 13 | 2025-08 | 981.43 | 78.97 | 902.46 | 21659.04 |
| 14 | 2025-09 | 978.27 | 75.81 | 902.46 | 20756.58 |
| 15 | 2025-10 | 975.11 | 72.65 | 902.46 | 19854.12 |
| 16 | 2025-11 | 971.95 | 69.49 | 902.46 | 18951.66 |
| 17 | 2025-12 | 968.79 | 66.33 | 902.46 | 18049.20 |
| 18 | 2026-01 | 965.63 | 63.17 | 902.46 | 17146.74 |
| 19 | 2026-02 | 962.47 | 60.01 | 902.46 | 16244.28 |
| 20 | 2026-03 | 959.31 | 56.85 | 902.46 | 15341.82 |
| 21 | 2026-04 | 956.16 | 53.70 | 902.46 | 14439.36 |
| 22 | 2026-05 | 953.00 | 50.54 | 902.46 | 13536.90 |
| 23 | 2026-06 | 949.84 | 47.38 | 902.46 | 12634.44 |
| 24 | 2026-07 | 946.68 | 44.22 | 902.46 | 11731.98 |
| 25 | 2026-08 | 943.52 | 41.06 | 902.46 | 10829.52 |
| 26 | 2026-09 | 940.36 | 37.90 | 902.46 | 9927.06 |
| 27 | 2026-10 | 937.20 | 34.74 | 902.46 | 9024.60 |
| 28 | 2026-11 | 934.05 | 31.59 | 902.46 | 8122.14 |
| 29 | 2026-12 | 930.89 | 28.43 | 902.46 | 7219.68 |
| 30 | 2027-01 | 927.73 | 25.27 | 902.46 | 6317.22 |
| 31 | 2027-02 | 924.57 | 22.11 | 902.46 | 5414.76 |
| 32 | 2027-03 | 921.41 | 18.95 | 902.46 | 4512.30 |
| 33 | 2027-04 | 918.25 | 15.79 | 902.46 | 3609.84 |
| 34 | 2027-05 | 915.09 | 12.63 | 902.46 | 2707.38 |
| 35 | 2027-06 | 911.94 | 9.48 | 902.46 | 1804.92 |
| 36 | 2027-07 | 908.78 | 6.32 | 902.46 | 902.46 |
| 37 | 2027-08 | 905.62 | 3.16 | 902.46 | 0.00 |