贷款1万（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：1万
还款月数：5年
每月还款：185.52元
利息总额：1131.33元
本息合计：1.11万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 185.52 | 35.83 | 149.69 | 9850.31 |
| 2 | 2024-04 | 185.52 | 35.30 | 150.23 | 9700.09 |
| 3 | 2024-05 | 185.52 | 34.76 | 150.76 | 9549.32 |
| 4 | 2024-06 | 185.52 | 34.22 | 151.30 | 9398.02 |
| 5 | 2024-07 | 185.52 | 33.68 | 151.85 | 9246.17 |
| 6 | 2024-08 | 185.52 | 33.13 | 152.39 | 9093.78 |
| 7 | 2024-09 | 185.52 | 32.59 | 152.94 | 8940.85 |
| 8 | 2024-10 | 185.52 | 32.04 | 153.48 | 8787.36 |
| 9 | 2024-11 | 185.52 | 31.49 | 154.03 | 8633.33 |
| 10 | 2024-12 | 185.52 | 30.94 | 154.59 | 8478.74 |
| 11 | 2025-01 | 185.52 | 30.38 | 155.14 | 8323.60 |
| 12 | 2025-02 | 185.52 | 29.83 | 155.70 | 8167.91 |
| 13 | 2025-03 | 185.52 | 29.27 | 156.25 | 8011.65 |
| 14 | 2025-04 | 185.52 | 28.71 | 156.81 | 7854.84 |
| 15 | 2025-05 | 185.52 | 28.15 | 157.38 | 7697.46 |
| 16 | 2025-06 | 185.52 | 27.58 | 157.94 | 7539.52 |
| 17 | 2025-07 | 185.52 | 27.02 | 158.51 | 7381.02 |
| 18 | 2025-08 | 185.52 | 26.45 | 159.07 | 7221.94 |
| 19 | 2025-09 | 185.52 | 25.88 | 159.64 | 7062.30 |
| 20 | 2025-10 | 185.52 | 25.31 | 160.22 | 6902.09 |
| 21 | 2025-11 | 185.52 | 24.73 | 160.79 | 6741.30 |
| 22 | 2025-12 | 185.52 | 24.16 | 161.37 | 6579.93 |
| 23 | 2026-01 | 185.52 | 23.58 | 161.94 | 6417.99 |
| 24 | 2026-02 | 185.52 | 23.00 | 162.52 | 6255.46 |
| 25 | 2026-03 | 185.52 | 22.42 | 163.11 | 6092.36 |
| 26 | 2026-04 | 185.52 | 21.83 | 163.69 | 5928.66 |
| 27 | 2026-05 | 185.52 | 21.24 | 164.28 | 5764.39 |
| 28 | 2026-06 | 185.52 | 20.66 | 164.87 | 5599.52 |
| 29 | 2026-07 | 185.52 | 20.06 | 165.46 | 5434.06 |
| 30 | 2026-08 | 185.52 | 19.47 | 166.05 | 5268.01 |
| 31 | 2026-09 | 185.52 | 18.88 | 166.65 | 5101.37 |
| 32 | 2026-10 | 185.52 | 18.28 | 167.24 | 4934.13 |
| 33 | 2026-11 | 185.52 | 17.68 | 167.84 | 4766.28 |
| 34 | 2026-12 | 185.52 | 17.08 | 168.44 | 4597.84 |
| 35 | 2027-01 | 185.52 | 16.48 | 169.05 | 4428.79 |
| 36 | 2027-02 | 185.52 | 15.87 | 169.65 | 4259.14 |
| 37 | 2027-03 | 185.52 | 15.26 | 170.26 | 4088.88 |
| 38 | 2027-04 | 185.52 | 14.65 | 170.87 | 3918.01 |
| 39 | 2027-05 | 185.52 | 14.04 | 171.48 | 3746.53 |
| 40 | 2027-06 | 185.52 | 13.43 | 172.10 | 3574.43 |
| 41 | 2027-07 | 185.52 | 12.81 | 172.71 | 3401.72 |
| 42 | 2027-08 | 185.52 | 12.19 | 173.33 | 3228.39 |
| 43 | 2027-09 | 185.52 | 11.57 | 173.95 | 3054.43 |
| 44 | 2027-10 | 185.52 | 10.95 | 174.58 | 2879.85 |
| 45 | 2027-11 | 185.52 | 10.32 | 175.20 | 2704.65 |
| 46 | 2027-12 | 185.52 | 9.69 | 175.83 | 2528.82 |
| 47 | 2028-01 | 185.52 | 9.06 | 176.46 | 2352.36 |
| 48 | 2028-02 | 185.52 | 8.43 | 177.09 | 2175.27 |
| 49 | 2028-03 | 185.52 | 7.79 | 177.73 | 1997.54 |
| 50 | 2028-04 | 185.52 | 7.16 | 178.36 | 1819.18 |
| 51 | 2028-05 | 185.52 | 6.52 | 179.00 | 1640.17 |
| 52 | 2028-06 | 185.52 | 5.88 | 179.64 | 1460.53 |
| 53 | 2028-07 | 185.52 | 5.23 | 180.29 | 1280.24 |
| 54 | 2028-08 | 185.52 | 4.59 | 180.93 | 1099.30 |
| 55 | 2028-09 | 185.52 | 3.94 | 181.58 | 917.72 |
| 56 | 2028-10 | 185.52 | 3.29 | 182.23 | 735.49 |
| 57 | 2028-11 | 185.52 | 2.64 | 182.89 | 552.60 |
| 58 | 2028-12 | 185.52 | 1.98 | 183.54 | 369.06 |
| 59 | 2029-01 | 185.52 | 1.32 | 184.20 | 184.86 |
| 60 | 2029-02 | 185.52 | 0.66 | 184.86 | 0.00 |
等额本金还款方式：
贷款总额：1万
还款月数：5年
首月还款：202.5元
每月递减：0.6元
利息总额：1092.92元
本息合计：1.11万
节省利息：38.41元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 202.50 | 35.83 | 166.67 | 9833.33 |
| 2 | 2024-04 | 201.90 | 35.24 | 166.67 | 9666.67 |
| 3 | 2024-05 | 201.31 | 34.64 | 166.67 | 9500.00 |
| 4 | 2024-06 | 200.71 | 34.04 | 166.67 | 9333.33 |
| 5 | 2024-07 | 200.11 | 33.44 | 166.67 | 9166.67 |
| 6 | 2024-08 | 199.51 | 32.85 | 166.67 | 9000.00 |
| 7 | 2024-09 | 198.92 | 32.25 | 166.67 | 8833.33 |
| 8 | 2024-10 | 198.32 | 31.65 | 166.67 | 8666.67 |
| 9 | 2024-11 | 197.72 | 31.06 | 166.67 | 8500.00 |
| 10 | 2024-12 | 197.13 | 30.46 | 166.67 | 8333.33 |
| 11 | 2025-01 | 196.53 | 29.86 | 166.67 | 8166.67 |
| 12 | 2025-02 | 195.93 | 29.26 | 166.67 | 8000.00 |
| 13 | 2025-03 | 195.33 | 28.67 | 166.67 | 7833.33 |
| 14 | 2025-04 | 194.74 | 28.07 | 166.67 | 7666.67 |
| 15 | 2025-05 | 194.14 | 27.47 | 166.67 | 7500.00 |
| 16 | 2025-06 | 193.54 | 26.87 | 166.67 | 7333.33 |
| 17 | 2025-07 | 192.94 | 26.28 | 166.67 | 7166.67 |
| 18 | 2025-08 | 192.35 | 25.68 | 166.67 | 7000.00 |
| 19 | 2025-09 | 191.75 | 25.08 | 166.67 | 6833.33 |
| 20 | 2025-10 | 191.15 | 24.49 | 166.67 | 6666.67 |
| 21 | 2025-11 | 190.56 | 23.89 | 166.67 | 6500.00 |
| 22 | 2025-12 | 189.96 | 23.29 | 166.67 | 6333.33 |
| 23 | 2026-01 | 189.36 | 22.69 | 166.67 | 6166.67 |
| 24 | 2026-02 | 188.76 | 22.10 | 166.67 | 6000.00 |
| 25 | 2026-03 | 188.17 | 21.50 | 166.67 | 5833.33 |
| 26 | 2026-04 | 187.57 | 20.90 | 166.67 | 5666.67 |
| 27 | 2026-05 | 186.97 | 20.31 | 166.67 | 5500.00 |
| 28 | 2026-06 | 186.38 | 19.71 | 166.67 | 5333.33 |
| 29 | 2026-07 | 185.78 | 19.11 | 166.67 | 5166.67 |
| 30 | 2026-08 | 185.18 | 18.51 | 166.67 | 5000.00 |
| 31 | 2026-09 | 184.58 | 17.92 | 166.67 | 4833.33 |
| 32 | 2026-10 | 183.99 | 17.32 | 166.67 | 4666.67 |
| 33 | 2026-11 | 183.39 | 16.72 | 166.67 | 4500.00 |
| 34 | 2026-12 | 182.79 | 16.12 | 166.67 | 4333.33 |
| 35 | 2027-01 | 182.19 | 15.53 | 166.67 | 4166.67 |
| 36 | 2027-02 | 181.60 | 14.93 | 166.67 | 4000.00 |
| 37 | 2027-03 | 181.00 | 14.33 | 166.67 | 3833.33 |
| 38 | 2027-04 | 180.40 | 13.74 | 166.67 | 3666.67 |
| 39 | 2027-05 | 179.81 | 13.14 | 166.67 | 3500.00 |
| 40 | 2027-06 | 179.21 | 12.54 | 166.67 | 3333.33 |
| 41 | 2027-07 | 178.61 | 11.94 | 166.67 | 3166.67 |
| 42 | 2027-08 | 178.01 | 11.35 | 166.67 | 3000.00 |
| 43 | 2027-09 | 177.42 | 10.75 | 166.67 | 2833.33 |
| 44 | 2027-10 | 176.82 | 10.15 | 166.67 | 2666.67 |
| 45 | 2027-11 | 176.22 | 9.56 | 166.67 | 2500.00 |
| 46 | 2027-12 | 175.63 | 8.96 | 166.67 | 2333.33 |
| 47 | 2028-01 | 175.03 | 8.36 | 166.67 | 2166.67 |
| 48 | 2028-02 | 174.43 | 7.76 | 166.67 | 2000.00 |
| 49 | 2028-03 | 173.83 | 7.17 | 166.67 | 1833.33 |
| 50 | 2028-04 | 173.24 | 6.57 | 166.67 | 1666.67 |
| 51 | 2028-05 | 172.64 | 5.97 | 166.67 | 1500.00 |
| 52 | 2028-06 | 172.04 | 5.37 | 166.67 | 1333.33 |
| 53 | 2028-07 | 171.44 | 4.78 | 166.67 | 1166.67 |
| 54 | 2028-08 | 170.85 | 4.18 | 166.67 | 1000.00 |
| 55 | 2028-09 | 170.25 | 3.58 | 166.67 | 833.33 |
| 56 | 2028-10 | 169.65 | 2.99 | 166.67 | 666.67 |
| 57 | 2028-11 | 169.06 | 2.39 | 166.67 | 500.00 |
| 58 | 2028-12 | 168.46 | 1.79 | 166.67 | 333.33 |
| 59 | 2029-01 | 167.86 | 1.19 | 166.67 | 166.67 |
| 60 | 2029-02 | 167.26 | 0.60 | 166.67 | 0.00 |