北京贷款90万（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：90万
还款月数：4年
每月还款：19663.39元
利息总额：4.38万
本息合计：94.38万
| 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 | 19663.39 | 1762.50 | 17900.89 | 882099.11 |
| 2 | 2025-12 | 19663.39 | 1727.44 | 17935.95 | 864163.16 |
| 3 | 2026-01 | 19663.39 | 1692.32 | 17971.07 | 846192.08 |
| 4 | 2026-02 | 19663.39 | 1657.13 | 18006.27 | 828185.81 |
| 5 | 2026-03 | 19663.39 | 1621.86 | 18041.53 | 810144.28 |
| 6 | 2026-04 | 19663.39 | 1586.53 | 18076.86 | 792067.42 |
| 7 | 2026-05 | 19663.39 | 1551.13 | 18112.26 | 773955.16 |
| 8 | 2026-06 | 19663.39 | 1515.66 | 18147.73 | 755807.43 |
| 9 | 2026-07 | 19663.39 | 1480.12 | 18183.27 | 737624.16 |
| 10 | 2026-08 | 19663.39 | 1444.51 | 18218.88 | 719405.28 |
| 11 | 2026-09 | 19663.39 | 1408.84 | 18254.56 | 701150.72 |
| 12 | 2026-10 | 19663.39 | 1373.09 | 18290.31 | 682860.41 |
| 13 | 2026-11 | 19663.39 | 1337.27 | 18326.13 | 664534.28 |
| 14 | 2026-12 | 19663.39 | 1301.38 | 18362.01 | 646172.27 |
| 15 | 2027-01 | 19663.39 | 1265.42 | 18397.97 | 627774.30 |
| 16 | 2027-02 | 19663.39 | 1229.39 | 18434.00 | 609340.29 |
| 17 | 2027-03 | 19663.39 | 1193.29 | 18470.10 | 590870.19 |
| 18 | 2027-04 | 19663.39 | 1157.12 | 18506.27 | 572363.92 |
| 19 | 2027-05 | 19663.39 | 1120.88 | 18542.51 | 553821.40 |
| 20 | 2027-06 | 19663.39 | 1084.57 | 18578.83 | 535242.58 |
| 21 | 2027-07 | 19663.39 | 1048.18 | 18615.21 | 516627.36 |
| 22 | 2027-08 | 19663.39 | 1011.73 | 18651.67 | 497975.70 |
| 23 | 2027-09 | 19663.39 | 975.20 | 18688.19 | 479287.51 |
| 24 | 2027-10 | 19663.39 | 938.60 | 18724.79 | 460562.72 |
| 25 | 2027-11 | 19663.39 | 901.94 | 18761.46 | 441801.26 |
| 26 | 2027-12 | 19663.39 | 865.19 | 18798.20 | 423003.06 |
| 27 | 2028-01 | 19663.39 | 828.38 | 18835.01 | 404168.05 |
| 28 | 2028-02 | 19663.39 | 791.50 | 18871.90 | 385296.15 |
| 29 | 2028-03 | 19663.39 | 754.54 | 18908.86 | 366387.29 |
| 30 | 2028-04 | 19663.39 | 717.51 | 18945.89 | 347441.41 |
| 31 | 2028-05 | 19663.39 | 680.41 | 18982.99 | 328458.42 |
| 32 | 2028-06 | 19663.39 | 643.23 | 19020.16 | 309438.26 |
| 33 | 2028-07 | 19663.39 | 605.98 | 19057.41 | 290380.84 |
| 34 | 2028-08 | 19663.39 | 568.66 | 19094.73 | 271286.11 |
| 35 | 2028-09 | 19663.39 | 531.27 | 19132.13 | 252153.99 |
| 36 | 2028-10 | 19663.39 | 493.80 | 19169.59 | 232984.39 |
| 37 | 2028-11 | 19663.39 | 456.26 | 19207.13 | 213777.26 |
| 38 | 2028-12 | 19663.39 | 418.65 | 19244.75 | 194532.51 |
| 39 | 2029-01 | 19663.39 | 380.96 | 19282.43 | 175250.08 |
| 40 | 2029-02 | 19663.39 | 343.20 | 19320.20 | 155929.88 |
| 41 | 2029-03 | 19663.39 | 305.36 | 19358.03 | 136571.85 |
| 42 | 2029-04 | 19663.39 | 267.45 | 19395.94 | 117175.91 |
| 43 | 2029-05 | 19663.39 | 229.47 | 19433.92 | 97741.99 |
| 44 | 2029-06 | 19663.39 | 191.41 | 19471.98 | 78270.00 |
| 45 | 2029-07 | 19663.39 | 153.28 | 19510.12 | 58759.89 |
| 46 | 2029-08 | 19663.39 | 115.07 | 19548.32 | 39211.57 |
| 47 | 2029-09 | 19663.39 | 76.79 | 19586.60 | 19624.96 |
| 48 | 2029-10 | 19663.39 | 38.43 | 19624.96 | 0.00 |
等额本金还款方式：
贷款总额：90万
还款月数：4年
首月还款：20512.5元
每月递减：36.72元
利息总额：4.32万
本息合计：94.32万
节省利息：661.67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 | 20512.50 | 1762.50 | 18750.00 | 881250.00 |
| 2 | 2025-12 | 20475.78 | 1725.78 | 18750.00 | 862500.00 |
| 3 | 2026-01 | 20439.06 | 1689.06 | 18750.00 | 843750.00 |
| 4 | 2026-02 | 20402.34 | 1652.34 | 18750.00 | 825000.00 |
| 5 | 2026-03 | 20365.63 | 1615.62 | 18750.00 | 806250.00 |
| 6 | 2026-04 | 20328.91 | 1578.91 | 18750.00 | 787500.00 |
| 7 | 2026-05 | 20292.19 | 1542.19 | 18750.00 | 768750.00 |
| 8 | 2026-06 | 20255.47 | 1505.47 | 18750.00 | 750000.00 |
| 9 | 2026-07 | 20218.75 | 1468.75 | 18750.00 | 731250.00 |
| 10 | 2026-08 | 20182.03 | 1432.03 | 18750.00 | 712500.00 |
| 11 | 2026-09 | 20145.31 | 1395.31 | 18750.00 | 693750.00 |
| 12 | 2026-10 | 20108.59 | 1358.59 | 18750.00 | 675000.00 |
| 13 | 2026-11 | 20071.88 | 1321.88 | 18750.00 | 656250.00 |
| 14 | 2026-12 | 20035.16 | 1285.16 | 18750.00 | 637500.00 |
| 15 | 2027-01 | 19998.44 | 1248.44 | 18750.00 | 618750.00 |
| 16 | 2027-02 | 19961.72 | 1211.72 | 18750.00 | 600000.00 |
| 17 | 2027-03 | 19925.00 | 1175.00 | 18750.00 | 581250.00 |
| 18 | 2027-04 | 19888.28 | 1138.28 | 18750.00 | 562500.00 |
| 19 | 2027-05 | 19851.56 | 1101.56 | 18750.00 | 543750.00 |
| 20 | 2027-06 | 19814.84 | 1064.84 | 18750.00 | 525000.00 |
| 21 | 2027-07 | 19778.13 | 1028.13 | 18750.00 | 506250.00 |
| 22 | 2027-08 | 19741.41 | 991.41 | 18750.00 | 487500.00 |
| 23 | 2027-09 | 19704.69 | 954.69 | 18750.00 | 468750.00 |
| 24 | 2027-10 | 19667.97 | 917.97 | 18750.00 | 450000.00 |
| 25 | 2027-11 | 19631.25 | 881.25 | 18750.00 | 431250.00 |
| 26 | 2027-12 | 19594.53 | 844.53 | 18750.00 | 412500.00 |
| 27 | 2028-01 | 19557.81 | 807.81 | 18750.00 | 393750.00 |
| 28 | 2028-02 | 19521.09 | 771.09 | 18750.00 | 375000.00 |
| 29 | 2028-03 | 19484.38 | 734.38 | 18750.00 | 356250.00 |
| 30 | 2028-04 | 19447.66 | 697.66 | 18750.00 | 337500.00 |
| 31 | 2028-05 | 19410.94 | 660.94 | 18750.00 | 318750.00 |
| 32 | 2028-06 | 19374.22 | 624.22 | 18750.00 | 300000.00 |
| 33 | 2028-07 | 19337.50 | 587.50 | 18750.00 | 281250.00 |
| 34 | 2028-08 | 19300.78 | 550.78 | 18750.00 | 262500.00 |
| 35 | 2028-09 | 19264.06 | 514.06 | 18750.00 | 243750.00 |
| 36 | 2028-10 | 19227.34 | 477.34 | 18750.00 | 225000.00 |
| 37 | 2028-11 | 19190.63 | 440.62 | 18750.00 | 206250.00 |
| 38 | 2028-12 | 19153.91 | 403.91 | 18750.00 | 187500.00 |
| 39 | 2029-01 | 19117.19 | 367.19 | 18750.00 | 168750.00 |
| 40 | 2029-02 | 19080.47 | 330.47 | 18750.00 | 150000.00 |
| 41 | 2029-03 | 19043.75 | 293.75 | 18750.00 | 131250.00 |
| 42 | 2029-04 | 19007.03 | 257.03 | 18750.00 | 112500.00 |
| 43 | 2029-05 | 18970.31 | 220.31 | 18750.00 | 93750.00 |
| 44 | 2029-06 | 18933.59 | 183.59 | 18750.00 | 75000.00 |
| 45 | 2029-07 | 18896.88 | 146.88 | 18750.00 | 56250.00 |
| 46 | 2029-08 | 18860.16 | 110.16 | 18750.00 | 37500.00 |
| 47 | 2029-09 | 18823.44 | 73.44 | 18750.00 | 18750.00 |
| 48 | 2029-10 | 18786.72 | 36.72 | 18750.00 | 0.00 |