贷款18万（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：18万
还款月数：4年
每月还款：3992.14元
利息总额：1.16万
本息合计：19.16万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 3992.14 | 465.00 | 3527.14 | 176472.86 |
| 2 | 2025-11 | 3992.14 | 455.89 | 3536.25 | 172936.61 |
| 3 | 2025-12 | 3992.14 | 446.75 | 3545.39 | 169391.22 |
| 4 | 2026-01 | 3992.14 | 437.59 | 3554.55 | 165836.68 |
| 5 | 2026-02 | 3992.14 | 428.41 | 3563.73 | 162272.95 |
| 6 | 2026-03 | 3992.14 | 419.21 | 3572.93 | 158700.02 |
| 7 | 2026-04 | 3992.14 | 409.98 | 3582.16 | 155117.85 |
| 8 | 2026-05 | 3992.14 | 400.72 | 3591.42 | 151526.43 |
| 9 | 2026-06 | 3992.14 | 391.44 | 3600.70 | 147925.74 |
| 10 | 2026-07 | 3992.14 | 382.14 | 3610.00 | 144315.74 |
| 11 | 2026-08 | 3992.14 | 372.82 | 3619.32 | 140696.42 |
| 12 | 2026-09 | 3992.14 | 363.47 | 3628.67 | 137067.74 |
| 13 | 2026-10 | 3992.14 | 354.09 | 3638.05 | 133429.70 |
| 14 | 2026-11 | 3992.14 | 344.69 | 3647.45 | 129782.25 |
| 15 | 2026-12 | 3992.14 | 335.27 | 3656.87 | 126125.38 |
| 16 | 2027-01 | 3992.14 | 325.82 | 3666.32 | 122459.07 |
| 17 | 2027-02 | 3992.14 | 316.35 | 3675.79 | 118783.28 |
| 18 | 2027-03 | 3992.14 | 306.86 | 3685.28 | 115098.00 |
| 19 | 2027-04 | 3992.14 | 297.34 | 3694.80 | 111403.19 |
| 20 | 2027-05 | 3992.14 | 287.79 | 3704.35 | 107698.85 |
| 21 | 2027-06 | 3992.14 | 278.22 | 3713.92 | 103984.93 |
| 22 | 2027-07 | 3992.14 | 268.63 | 3723.51 | 100261.42 |
| 23 | 2027-08 | 3992.14 | 259.01 | 3733.13 | 96528.29 |
| 24 | 2027-09 | 3992.14 | 249.36 | 3742.77 | 92785.51 |
| 25 | 2027-10 | 3992.14 | 239.70 | 3752.44 | 89033.07 |
| 26 | 2027-11 | 3992.14 | 230.00 | 3762.14 | 85270.93 |
| 27 | 2027-12 | 3992.14 | 220.28 | 3771.86 | 81499.08 |
| 28 | 2028-01 | 3992.14 | 210.54 | 3781.60 | 77717.48 |
| 29 | 2028-02 | 3992.14 | 200.77 | 3791.37 | 73926.11 |
| 30 | 2028-03 | 3992.14 | 190.98 | 3801.16 | 70124.94 |
| 31 | 2028-04 | 3992.14 | 181.16 | 3810.98 | 66313.96 |
| 32 | 2028-05 | 3992.14 | 171.31 | 3820.83 | 62493.13 |
| 33 | 2028-06 | 3992.14 | 161.44 | 3830.70 | 58662.43 |
| 34 | 2028-07 | 3992.14 | 151.54 | 3840.59 | 54821.84 |
| 35 | 2028-08 | 3992.14 | 141.62 | 3850.52 | 50971.32 |
| 36 | 2028-09 | 3992.14 | 131.68 | 3860.46 | 47110.86 |
| 37 | 2028-10 | 3992.14 | 121.70 | 3870.44 | 43240.42 |
| 38 | 2028-11 | 3992.14 | 111.70 | 3880.43 | 39359.99 |
| 39 | 2028-12 | 3992.14 | 101.68 | 3890.46 | 35469.53 |
| 40 | 2029-01 | 3992.14 | 91.63 | 3900.51 | 31569.02 |
| 41 | 2029-02 | 3992.14 | 81.55 | 3910.59 | 27658.43 |
| 42 | 2029-03 | 3992.14 | 71.45 | 3920.69 | 23737.75 |
| 43 | 2029-04 | 3992.14 | 61.32 | 3930.82 | 19806.93 |
| 44 | 2029-05 | 3992.14 | 51.17 | 3940.97 | 15865.96 |
| 45 | 2029-06 | 3992.14 | 40.99 | 3951.15 | 11914.80 |
| 46 | 2029-07 | 3992.14 | 30.78 | 3961.36 | 7953.45 |
| 47 | 2029-08 | 3992.14 | 20.55 | 3971.59 | 3981.85 |
| 48 | 2029-09 | 3992.14 | 10.29 | 3981.85 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：4年
首月还款：4215元
每月递减：9.69元
利息总额：1.14万
本息合计：19.14万
节省利息：230.18元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-10 | 4215.00 | 465.00 | 3750.00 | 176250.00 |
| 2 | 2025-11 | 4205.31 | 455.31 | 3750.00 | 172500.00 |
| 3 | 2025-12 | 4195.63 | 445.63 | 3750.00 | 168750.00 |
| 4 | 2026-01 | 4185.94 | 435.94 | 3750.00 | 165000.00 |
| 5 | 2026-02 | 4176.25 | 426.25 | 3750.00 | 161250.00 |
| 6 | 2026-03 | 4166.56 | 416.56 | 3750.00 | 157500.00 |
| 7 | 2026-04 | 4156.88 | 406.88 | 3750.00 | 153750.00 |
| 8 | 2026-05 | 4147.19 | 397.19 | 3750.00 | 150000.00 |
| 9 | 2026-06 | 4137.50 | 387.50 | 3750.00 | 146250.00 |
| 10 | 2026-07 | 4127.81 | 377.81 | 3750.00 | 142500.00 |
| 11 | 2026-08 | 4118.13 | 368.13 | 3750.00 | 138750.00 |
| 12 | 2026-09 | 4108.44 | 358.44 | 3750.00 | 135000.00 |
| 13 | 2026-10 | 4098.75 | 348.75 | 3750.00 | 131250.00 |
| 14 | 2026-11 | 4089.06 | 339.06 | 3750.00 | 127500.00 |
| 15 | 2026-12 | 4079.38 | 329.38 | 3750.00 | 123750.00 |
| 16 | 2027-01 | 4069.69 | 319.69 | 3750.00 | 120000.00 |
| 17 | 2027-02 | 4060.00 | 310.00 | 3750.00 | 116250.00 |
| 18 | 2027-03 | 4050.31 | 300.31 | 3750.00 | 112500.00 |
| 19 | 2027-04 | 4040.63 | 290.63 | 3750.00 | 108750.00 |
| 20 | 2027-05 | 4030.94 | 280.94 | 3750.00 | 105000.00 |
| 21 | 2027-06 | 4021.25 | 271.25 | 3750.00 | 101250.00 |
| 22 | 2027-07 | 4011.56 | 261.56 | 3750.00 | 97500.00 |
| 23 | 2027-08 | 4001.88 | 251.88 | 3750.00 | 93750.00 |
| 24 | 2027-09 | 3992.19 | 242.19 | 3750.00 | 90000.00 |
| 25 | 2027-10 | 3982.50 | 232.50 | 3750.00 | 86250.00 |
| 26 | 2027-11 | 3972.81 | 222.81 | 3750.00 | 82500.00 |
| 27 | 2027-12 | 3963.13 | 213.13 | 3750.00 | 78750.00 |
| 28 | 2028-01 | 3953.44 | 203.44 | 3750.00 | 75000.00 |
| 29 | 2028-02 | 3943.75 | 193.75 | 3750.00 | 71250.00 |
| 30 | 2028-03 | 3934.06 | 184.06 | 3750.00 | 67500.00 |
| 31 | 2028-04 | 3924.38 | 174.38 | 3750.00 | 63750.00 |
| 32 | 2028-05 | 3914.69 | 164.69 | 3750.00 | 60000.00 |
| 33 | 2028-06 | 3905.00 | 155.00 | 3750.00 | 56250.00 |
| 34 | 2028-07 | 3895.31 | 145.31 | 3750.00 | 52500.00 |
| 35 | 2028-08 | 3885.63 | 135.63 | 3750.00 | 48750.00 |
| 36 | 2028-09 | 3875.94 | 125.94 | 3750.00 | 45000.00 |
| 37 | 2028-10 | 3866.25 | 116.25 | 3750.00 | 41250.00 |
| 38 | 2028-11 | 3856.56 | 106.56 | 3750.00 | 37500.00 |
| 39 | 2028-12 | 3846.88 | 96.88 | 3750.00 | 33750.00 |
| 40 | 2029-01 | 3837.19 | 87.19 | 3750.00 | 30000.00 |
| 41 | 2029-02 | 3827.50 | 77.50 | 3750.00 | 26250.00 |
| 42 | 2029-03 | 3817.81 | 67.81 | 3750.00 | 22500.00 |
| 43 | 2029-04 | 3808.13 | 58.13 | 3750.00 | 18750.00 |
| 44 | 2029-05 | 3798.44 | 48.44 | 3750.00 | 15000.00 |
| 45 | 2029-06 | 3788.75 | 38.75 | 3750.00 | 11250.00 |
| 46 | 2029-07 | 3779.06 | 29.06 | 3750.00 | 7500.00 |
| 47 | 2029-08 | 3769.38 | 19.38 | 3750.00 | 3750.00 |
| 48 | 2029-09 | 3759.69 | 9.69 | 3750.00 | 0.00 |