贷款125万（商业贷款）房贷，还款2年6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：125万
还款月数：2年6个月
每月还款：43355.87元
利息总额：5.07万
本息合计：130.07万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 43355.87 | 3229.17 | 40126.71 | 1209873.29 |
| 2 | 2024-12 | 43355.87 | 3125.51 | 40230.37 | 1169642.93 |
| 3 | 2025-01 | 43355.87 | 3021.58 | 40334.29 | 1129308.63 |
| 4 | 2025-02 | 43355.87 | 2917.38 | 40438.49 | 1088870.14 |
| 5 | 2025-03 | 43355.87 | 2812.91 | 40542.96 | 1048327.18 |
| 6 | 2025-04 | 43355.87 | 2708.18 | 40647.69 | 1007679.49 |
| 7 | 2025-05 | 43355.87 | 2603.17 | 40752.70 | 966926.79 |
| 8 | 2025-06 | 43355.87 | 2497.89 | 40857.98 | 926068.81 |
| 9 | 2025-07 | 43355.87 | 2392.34 | 40963.53 | 885105.28 |
| 10 | 2025-08 | 43355.87 | 2286.52 | 41069.35 | 844035.93 |
| 11 | 2025-09 | 43355.87 | 2180.43 | 41175.45 | 802860.49 |
| 12 | 2025-10 | 43355.87 | 2074.06 | 41281.82 | 761578.67 |
| 13 | 2025-11 | 43355.87 | 1967.41 | 41388.46 | 720190.21 |
| 14 | 2025-12 | 43355.87 | 1860.49 | 41495.38 | 678694.83 |
| 15 | 2026-01 | 43355.87 | 1753.29 | 41602.58 | 637092.25 |
| 16 | 2026-02 | 43355.87 | 1645.82 | 41710.05 | 595382.20 |
| 17 | 2026-03 | 43355.87 | 1538.07 | 41817.80 | 553564.40 |
| 18 | 2026-04 | 43355.87 | 1430.04 | 41925.83 | 511638.57 |
| 19 | 2026-05 | 43355.87 | 1321.73 | 42034.14 | 469604.43 |
| 20 | 2026-06 | 43355.87 | 1213.14 | 42142.73 | 427461.70 |
| 21 | 2026-07 | 43355.87 | 1104.28 | 42251.60 | 385210.10 |
| 22 | 2026-08 | 43355.87 | 995.13 | 42360.75 | 342849.36 |
| 23 | 2026-09 | 43355.87 | 885.69 | 42470.18 | 300379.18 |
| 24 | 2026-10 | 43355.87 | 775.98 | 42579.89 | 257799.29 |
| 25 | 2026-11 | 43355.87 | 665.98 | 42689.89 | 215109.40 |
| 26 | 2026-12 | 43355.87 | 555.70 | 42800.17 | 172309.22 |
| 27 | 2027-01 | 43355.87 | 445.13 | 42910.74 | 129398.48 |
| 28 | 2027-02 | 43355.87 | 334.28 | 43021.59 | 86376.89 |
| 29 | 2027-03 | 43355.87 | 223.14 | 43132.73 | 43244.16 |
| 30 | 2027-04 | 43355.87 | 111.71 | 43244.16 | 0.00 |
等额本金还款方式：
贷款总额：125万
还款月数：2年6个月
首月还款：44895.83元
每月递减：107.64元
利息总额：5.01万
本息合计：130.01万
节省利息：624.09元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 44895.83 | 3229.17 | 41666.67 | 1208333.33 |
| 2 | 2024-12 | 44788.19 | 3121.53 | 41666.67 | 1166666.67 |
| 3 | 2025-01 | 44680.56 | 3013.89 | 41666.67 | 1125000.00 |
| 4 | 2025-02 | 44572.92 | 2906.25 | 41666.67 | 1083333.33 |
| 5 | 2025-03 | 44465.28 | 2798.61 | 41666.67 | 1041666.67 |
| 6 | 2025-04 | 44357.64 | 2690.97 | 41666.67 | 1000000.00 |
| 7 | 2025-05 | 44250.00 | 2583.33 | 41666.67 | 958333.33 |
| 8 | 2025-06 | 44142.36 | 2475.69 | 41666.67 | 916666.67 |
| 9 | 2025-07 | 44034.72 | 2368.06 | 41666.67 | 875000.00 |
| 10 | 2025-08 | 43927.08 | 2260.42 | 41666.67 | 833333.33 |
| 11 | 2025-09 | 43819.44 | 2152.78 | 41666.67 | 791666.67 |
| 12 | 2025-10 | 43711.81 | 2045.14 | 41666.67 | 750000.00 |
| 13 | 2025-11 | 43604.17 | 1937.50 | 41666.67 | 708333.33 |
| 14 | 2025-12 | 43496.53 | 1829.86 | 41666.67 | 666666.67 |
| 15 | 2026-01 | 43388.89 | 1722.22 | 41666.67 | 625000.00 |
| 16 | 2026-02 | 43281.25 | 1614.58 | 41666.67 | 583333.33 |
| 17 | 2026-03 | 43173.61 | 1506.94 | 41666.67 | 541666.67 |
| 18 | 2026-04 | 43065.97 | 1399.31 | 41666.67 | 500000.00 |
| 19 | 2026-05 | 42958.33 | 1291.67 | 41666.67 | 458333.33 |
| 20 | 2026-06 | 42850.69 | 1184.03 | 41666.67 | 416666.67 |
| 21 | 2026-07 | 42743.06 | 1076.39 | 41666.67 | 375000.00 |
| 22 | 2026-08 | 42635.42 | 968.75 | 41666.67 | 333333.33 |
| 23 | 2026-09 | 42527.78 | 861.11 | 41666.67 | 291666.67 |
| 24 | 2026-10 | 42420.14 | 753.47 | 41666.67 | 250000.00 |
| 25 | 2026-11 | 42312.50 | 645.83 | 41666.67 | 208333.33 |
| 26 | 2026-12 | 42204.86 | 538.19 | 41666.67 | 166666.67 |
| 27 | 2027-01 | 42097.22 | 430.56 | 41666.67 | 125000.00 |
| 28 | 2027-02 | 41989.58 | 322.92 | 41666.67 | 83333.33 |
| 29 | 2027-03 | 41881.94 | 215.28 | 41666.67 | 41666.67 |
| 30 | 2027-04 | 41774.31 | 107.64 | 41666.67 | 0.00 |