贷款36.43万（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：36.43万
还款月数：3年1个月
每月还款：10354.04元
利息总额：1.88万
本息合计：38.31万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 10354.04 | 971.59 | 9382.46 | 354962.05 |
| 2 | 2026-02 | 10354.04 | 946.57 | 9407.48 | 345554.58 |
| 3 | 2026-03 | 10354.04 | 921.48 | 9432.56 | 336122.01 |
| 4 | 2026-04 | 10354.04 | 896.33 | 9457.72 | 326664.30 |
| 5 | 2026-05 | 10354.04 | 871.10 | 9482.94 | 317181.36 |
| 6 | 2026-06 | 10354.04 | 845.82 | 9508.23 | 307673.14 |
| 7 | 2026-07 | 10354.04 | 820.46 | 9533.58 | 298139.55 |
| 8 | 2026-08 | 10354.04 | 795.04 | 9559.00 | 288580.55 |
| 9 | 2026-09 | 10354.04 | 769.55 | 9584.49 | 278996.06 |
| 10 | 2026-10 | 10354.04 | 743.99 | 9610.05 | 269386.01 |
| 11 | 2026-11 | 10354.04 | 718.36 | 9635.68 | 259750.33 |
| 12 | 2026-12 | 10354.04 | 692.67 | 9661.37 | 250088.95 |
| 13 | 2027-01 | 10354.04 | 666.90 | 9687.14 | 240401.81 |
| 14 | 2027-02 | 10354.04 | 641.07 | 9712.97 | 230688.84 |
| 15 | 2027-03 | 10354.04 | 615.17 | 9738.87 | 220949.97 |
| 16 | 2027-04 | 10354.04 | 589.20 | 9764.84 | 211185.13 |
| 17 | 2027-05 | 10354.04 | 563.16 | 9790.88 | 201394.25 |
| 18 | 2027-06 | 10354.04 | 537.05 | 9816.99 | 191577.26 |
| 19 | 2027-07 | 10354.04 | 510.87 | 9843.17 | 181734.09 |
| 20 | 2027-08 | 10354.04 | 484.62 | 9869.42 | 171864.67 |
| 21 | 2027-09 | 10354.04 | 458.31 | 9895.74 | 161968.93 |
| 22 | 2027-10 | 10354.04 | 431.92 | 9922.12 | 152046.81 |
| 23 | 2027-11 | 10354.04 | 405.46 | 9948.58 | 142098.23 |
| 24 | 2027-12 | 10354.04 | 378.93 | 9975.11 | 132123.11 |
| 25 | 2028-01 | 10354.04 | 352.33 | 10001.71 | 122121.40 |
| 26 | 2028-02 | 10354.04 | 325.66 | 10028.38 | 112093.01 |
| 27 | 2028-03 | 10354.04 | 298.91 | 10055.13 | 102037.89 |
| 28 | 2028-04 | 10354.04 | 272.10 | 10081.94 | 91955.94 |
| 29 | 2028-05 | 10354.04 | 245.22 | 10108.83 | 81847.12 |
| 30 | 2028-06 | 10354.04 | 218.26 | 10135.78 | 71711.34 |
| 31 | 2028-07 | 10354.04 | 191.23 | 10162.81 | 61548.52 |
| 32 | 2028-08 | 10354.04 | 164.13 | 10189.91 | 51358.61 |
| 33 | 2028-09 | 10354.04 | 136.96 | 10217.09 | 41141.53 |
| 34 | 2028-10 | 10354.04 | 109.71 | 10244.33 | 30897.19 |
| 35 | 2028-11 | 10354.04 | 82.39 | 10271.65 | 20625.55 |
| 36 | 2028-12 | 10354.04 | 55.00 | 10299.04 | 10326.50 |
| 37 | 2029-01 | 10354.04 | 27.54 | 10326.50 | 0.00 |
等额本金还款方式：
贷款总额：36.43万
还款月数：3年1个月
首月还款：10818.73元
每月递减：26.26元
利息总额：1.85万
本息合计：38.28万
节省利息：294.92元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 10818.73 | 971.59 | 9847.15 | 354497.36 |
| 2 | 2026-02 | 10792.48 | 945.33 | 9847.15 | 344650.21 |
| 3 | 2026-03 | 10766.22 | 919.07 | 9847.15 | 334803.06 |
| 4 | 2026-04 | 10739.96 | 892.81 | 9847.15 | 324955.91 |
| 5 | 2026-05 | 10713.70 | 866.55 | 9847.15 | 315108.77 |
| 6 | 2026-06 | 10687.44 | 840.29 | 9847.15 | 305261.62 |
| 7 | 2026-07 | 10661.18 | 814.03 | 9847.15 | 295414.47 |
| 8 | 2026-08 | 10634.92 | 787.77 | 9847.15 | 285567.32 |
| 9 | 2026-09 | 10608.66 | 761.51 | 9847.15 | 275720.17 |
| 10 | 2026-10 | 10582.40 | 735.25 | 9847.15 | 265873.02 |
| 11 | 2026-11 | 10556.14 | 708.99 | 9847.15 | 256025.87 |
| 12 | 2026-12 | 10529.88 | 682.74 | 9847.15 | 246178.72 |
| 13 | 2027-01 | 10503.63 | 656.48 | 9847.15 | 236331.57 |
| 14 | 2027-02 | 10477.37 | 630.22 | 9847.15 | 226484.43 |
| 15 | 2027-03 | 10451.11 | 603.96 | 9847.15 | 216637.28 |
| 16 | 2027-04 | 10424.85 | 577.70 | 9847.15 | 206790.13 |
| 17 | 2027-05 | 10398.59 | 551.44 | 9847.15 | 196942.98 |
| 18 | 2027-06 | 10372.33 | 525.18 | 9847.15 | 187095.83 |
| 19 | 2027-07 | 10346.07 | 498.92 | 9847.15 | 177248.68 |
| 20 | 2027-08 | 10319.81 | 472.66 | 9847.15 | 167401.53 |
| 21 | 2027-09 | 10293.55 | 446.40 | 9847.15 | 157554.38 |
| 22 | 2027-10 | 10267.29 | 420.15 | 9847.15 | 147707.23 |
| 23 | 2027-11 | 10241.03 | 393.89 | 9847.15 | 137860.08 |
| 24 | 2027-12 | 10214.78 | 367.63 | 9847.15 | 128012.94 |
| 25 | 2028-01 | 10188.52 | 341.37 | 9847.15 | 118165.79 |
| 26 | 2028-02 | 10162.26 | 315.11 | 9847.15 | 108318.64 |
| 27 | 2028-03 | 10136.00 | 288.85 | 9847.15 | 98471.49 |
| 28 | 2028-04 | 10109.74 | 262.59 | 9847.15 | 88624.34 |
| 29 | 2028-05 | 10083.48 | 236.33 | 9847.15 | 78777.19 |
| 30 | 2028-06 | 10057.22 | 210.07 | 9847.15 | 68930.04 |
| 31 | 2028-07 | 10030.96 | 183.81 | 9847.15 | 59082.89 |
| 32 | 2028-08 | 10004.70 | 157.55 | 9847.15 | 49235.74 |
| 33 | 2028-09 | 9978.44 | 131.30 | 9847.15 | 39388.60 |
| 34 | 2028-10 | 9952.19 | 105.04 | 9847.15 | 29541.45 |
| 35 | 2028-11 | 9925.93 | 78.78 | 9847.15 | 19694.30 |
| 36 | 2028-12 | 9899.67 | 52.52 | 9847.15 | 9847.15 |
| 37 | 2029-01 | 9873.41 | 26.26 | 9847.15 | 0.00 |