阳泉贷款30万（商业贷款）房贷，还款5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：30万
还款月数：5年
每月还款：5430.69元
利息总额：2.58万
本息合计：32.58万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 5430.69 | 825.00 | 4605.69 | 295394.31 |
| 2 | 2025-12 | 5430.69 | 812.33 | 4618.36 | 290775.94 |
| 3 | 2026-01 | 5430.69 | 799.63 | 4631.06 | 286144.88 |
| 4 | 2026-02 | 5430.69 | 786.90 | 4643.80 | 281501.09 |
| 5 | 2026-03 | 5430.69 | 774.13 | 4656.57 | 276844.52 |
| 6 | 2026-04 | 5430.69 | 761.32 | 4669.37 | 272175.15 |
| 7 | 2026-05 | 5430.69 | 748.48 | 4682.21 | 267492.93 |
| 8 | 2026-06 | 5430.69 | 735.61 | 4695.09 | 262797.84 |
| 9 | 2026-07 | 5430.69 | 722.69 | 4708.00 | 258089.84 |
| 10 | 2026-08 | 5430.69 | 709.75 | 4720.95 | 253368.90 |
| 11 | 2026-09 | 5430.69 | 696.76 | 4733.93 | 248634.97 |
| 12 | 2026-10 | 5430.69 | 683.75 | 4746.95 | 243888.02 |
| 13 | 2026-11 | 5430.69 | 670.69 | 4760.00 | 239128.01 |
| 14 | 2026-12 | 5430.69 | 657.60 | 4773.09 | 234354.92 |
| 15 | 2027-01 | 5430.69 | 644.48 | 4786.22 | 229568.70 |
| 16 | 2027-02 | 5430.69 | 631.31 | 4799.38 | 224769.32 |
| 17 | 2027-03 | 5430.69 | 618.12 | 4812.58 | 219956.74 |
| 18 | 2027-04 | 5430.69 | 604.88 | 4825.81 | 215130.93 |
| 19 | 2027-05 | 5430.69 | 591.61 | 4839.08 | 210291.84 |
| 20 | 2027-06 | 5430.69 | 578.30 | 4852.39 | 205439.45 |
| 21 | 2027-07 | 5430.69 | 564.96 | 4865.74 | 200573.71 |
| 22 | 2027-08 | 5430.69 | 551.58 | 4879.12 | 195694.60 |
| 23 | 2027-09 | 5430.69 | 538.16 | 4892.53 | 190802.06 |
| 24 | 2027-10 | 5430.69 | 524.71 | 4905.99 | 185896.07 |
| 25 | 2027-11 | 5430.69 | 511.21 | 4919.48 | 180976.59 |
| 26 | 2027-12 | 5430.69 | 497.69 | 4933.01 | 176043.58 |
| 27 | 2028-01 | 5430.69 | 484.12 | 4946.58 | 171097.01 |
| 28 | 2028-02 | 5430.69 | 470.52 | 4960.18 | 166136.83 |
| 29 | 2028-03 | 5430.69 | 456.88 | 4973.82 | 161163.01 |
| 30 | 2028-04 | 5430.69 | 443.20 | 4987.50 | 156175.52 |
| 31 | 2028-05 | 5430.69 | 429.48 | 5001.21 | 151174.30 |
| 32 | 2028-06 | 5430.69 | 415.73 | 5014.97 | 146159.34 |
| 33 | 2028-07 | 5430.69 | 401.94 | 5028.76 | 141130.58 |
| 34 | 2028-08 | 5430.69 | 388.11 | 5042.59 | 136087.99 |
| 35 | 2028-09 | 5430.69 | 374.24 | 5056.45 | 131031.54 |
| 36 | 2028-10 | 5430.69 | 360.34 | 5070.36 | 125961.18 |
| 37 | 2028-11 | 5430.69 | 346.39 | 5084.30 | 120876.88 |
| 38 | 2028-12 | 5430.69 | 332.41 | 5098.28 | 115778.60 |
| 39 | 2029-01 | 5430.69 | 318.39 | 5112.30 | 110666.29 |
| 40 | 2029-02 | 5430.69 | 304.33 | 5126.36 | 105539.93 |
| 41 | 2029-03 | 5430.69 | 290.23 | 5140.46 | 100399.47 |
| 42 | 2029-04 | 5430.69 | 276.10 | 5154.60 | 95244.88 |
| 43 | 2029-05 | 5430.69 | 261.92 | 5168.77 | 90076.10 |
| 44 | 2029-06 | 5430.69 | 247.71 | 5182.99 | 84893.12 |
| 45 | 2029-07 | 5430.69 | 233.46 | 5197.24 | 79695.88 |
| 46 | 2029-08 | 5430.69 | 219.16 | 5211.53 | 74484.35 |
| 47 | 2029-09 | 5430.69 | 204.83 | 5225.86 | 69258.49 |
| 48 | 2029-10 | 5430.69 | 190.46 | 5240.23 | 64018.25 |
| 49 | 2029-11 | 5430.69 | 176.05 | 5254.64 | 58763.61 |
| 50 | 2029-12 | 5430.69 | 161.60 | 5269.09 | 53494.51 |
| 51 | 2030-01 | 5430.69 | 147.11 | 5283.59 | 48210.93 |
| 52 | 2030-02 | 5430.69 | 132.58 | 5298.11 | 42912.81 |
| 53 | 2030-03 | 5430.69 | 118.01 | 5312.68 | 37600.13 |
| 54 | 2030-04 | 5430.69 | 103.40 | 5327.29 | 32272.83 |
| 55 | 2030-05 | 5430.69 | 88.75 | 5341.94 | 26930.89 |
| 56 | 2030-06 | 5430.69 | 74.06 | 5356.63 | 21574.25 |
| 57 | 2030-07 | 5430.69 | 59.33 | 5371.37 | 16202.89 |
| 58 | 2030-08 | 5430.69 | 44.56 | 5386.14 | 10816.75 |
| 59 | 2030-09 | 5430.69 | 29.75 | 5400.95 | 5415.80 |
| 60 | 2030-10 | 5430.69 | 14.89 | 5415.80 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：5年
首月还款：5825元
每月递减：13.75元
利息总额：2.52万
本息合计：32.52万
节省利息：679.19元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 5825.00 | 825.00 | 5000.00 | 295000.00 |
| 2 | 2025-12 | 5811.25 | 811.25 | 5000.00 | 290000.00 |
| 3 | 2026-01 | 5797.50 | 797.50 | 5000.00 | 285000.00 |
| 4 | 2026-02 | 5783.75 | 783.75 | 5000.00 | 280000.00 |
| 5 | 2026-03 | 5770.00 | 770.00 | 5000.00 | 275000.00 |
| 6 | 2026-04 | 5756.25 | 756.25 | 5000.00 | 270000.00 |
| 7 | 2026-05 | 5742.50 | 742.50 | 5000.00 | 265000.00 |
| 8 | 2026-06 | 5728.75 | 728.75 | 5000.00 | 260000.00 |
| 9 | 2026-07 | 5715.00 | 715.00 | 5000.00 | 255000.00 |
| 10 | 2026-08 | 5701.25 | 701.25 | 5000.00 | 250000.00 |
| 11 | 2026-09 | 5687.50 | 687.50 | 5000.00 | 245000.00 |
| 12 | 2026-10 | 5673.75 | 673.75 | 5000.00 | 240000.00 |
| 13 | 2026-11 | 5660.00 | 660.00 | 5000.00 | 235000.00 |
| 14 | 2026-12 | 5646.25 | 646.25 | 5000.00 | 230000.00 |
| 15 | 2027-01 | 5632.50 | 632.50 | 5000.00 | 225000.00 |
| 16 | 2027-02 | 5618.75 | 618.75 | 5000.00 | 220000.00 |
| 17 | 2027-03 | 5605.00 | 605.00 | 5000.00 | 215000.00 |
| 18 | 2027-04 | 5591.25 | 591.25 | 5000.00 | 210000.00 |
| 19 | 2027-05 | 5577.50 | 577.50 | 5000.00 | 205000.00 |
| 20 | 2027-06 | 5563.75 | 563.75 | 5000.00 | 200000.00 |
| 21 | 2027-07 | 5550.00 | 550.00 | 5000.00 | 195000.00 |
| 22 | 2027-08 | 5536.25 | 536.25 | 5000.00 | 190000.00 |
| 23 | 2027-09 | 5522.50 | 522.50 | 5000.00 | 185000.00 |
| 24 | 2027-10 | 5508.75 | 508.75 | 5000.00 | 180000.00 |
| 25 | 2027-11 | 5495.00 | 495.00 | 5000.00 | 175000.00 |
| 26 | 2027-12 | 5481.25 | 481.25 | 5000.00 | 170000.00 |
| 27 | 2028-01 | 5467.50 | 467.50 | 5000.00 | 165000.00 |
| 28 | 2028-02 | 5453.75 | 453.75 | 5000.00 | 160000.00 |
| 29 | 2028-03 | 5440.00 | 440.00 | 5000.00 | 155000.00 |
| 30 | 2028-04 | 5426.25 | 426.25 | 5000.00 | 150000.00 |
| 31 | 2028-05 | 5412.50 | 412.50 | 5000.00 | 145000.00 |
| 32 | 2028-06 | 5398.75 | 398.75 | 5000.00 | 140000.00 |
| 33 | 2028-07 | 5385.00 | 385.00 | 5000.00 | 135000.00 |
| 34 | 2028-08 | 5371.25 | 371.25 | 5000.00 | 130000.00 |
| 35 | 2028-09 | 5357.50 | 357.50 | 5000.00 | 125000.00 |
| 36 | 2028-10 | 5343.75 | 343.75 | 5000.00 | 120000.00 |
| 37 | 2028-11 | 5330.00 | 330.00 | 5000.00 | 115000.00 |
| 38 | 2028-12 | 5316.25 | 316.25 | 5000.00 | 110000.00 |
| 39 | 2029-01 | 5302.50 | 302.50 | 5000.00 | 105000.00 |
| 40 | 2029-02 | 5288.75 | 288.75 | 5000.00 | 100000.00 |
| 41 | 2029-03 | 5275.00 | 275.00 | 5000.00 | 95000.00 |
| 42 | 2029-04 | 5261.25 | 261.25 | 5000.00 | 90000.00 |
| 43 | 2029-05 | 5247.50 | 247.50 | 5000.00 | 85000.00 |
| 44 | 2029-06 | 5233.75 | 233.75 | 5000.00 | 80000.00 |
| 45 | 2029-07 | 5220.00 | 220.00 | 5000.00 | 75000.00 |
| 46 | 2029-08 | 5206.25 | 206.25 | 5000.00 | 70000.00 |
| 47 | 2029-09 | 5192.50 | 192.50 | 5000.00 | 65000.00 |
| 48 | 2029-10 | 5178.75 | 178.75 | 5000.00 | 60000.00 |
| 49 | 2029-11 | 5165.00 | 165.00 | 5000.00 | 55000.00 |
| 50 | 2029-12 | 5151.25 | 151.25 | 5000.00 | 50000.00 |
| 51 | 2030-01 | 5137.50 | 137.50 | 5000.00 | 45000.00 |
| 52 | 2030-02 | 5123.75 | 123.75 | 5000.00 | 40000.00 |
| 53 | 2030-03 | 5110.00 | 110.00 | 5000.00 | 35000.00 |
| 54 | 2030-04 | 5096.25 | 96.25 | 5000.00 | 30000.00 |
| 55 | 2030-05 | 5082.50 | 82.50 | 5000.00 | 25000.00 |
| 56 | 2030-06 | 5068.75 | 68.75 | 5000.00 | 20000.00 |
| 57 | 2030-07 | 5055.00 | 55.00 | 5000.00 | 15000.00 |
| 58 | 2030-08 | 5041.25 | 41.25 | 5000.00 | 10000.00 |
| 59 | 2030-09 | 5027.50 | 27.50 | 5000.00 | 5000.00 |
| 60 | 2030-10 | 5013.75 | 13.75 | 5000.00 | 0.00 |