贷款5万（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：5万
还款月数：4年
每月还款：1113.36元
利息总额：3441.2元
本息合计：5.34万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 1113.36 | 137.50 | 975.86 | 49024.14 |
| 2 | 2025-02 | 1113.36 | 134.82 | 978.54 | 48045.60 |
| 3 | 2025-03 | 1113.36 | 132.13 | 981.23 | 47064.37 |
| 4 | 2025-04 | 1113.36 | 129.43 | 983.93 | 46080.44 |
| 5 | 2025-05 | 1113.36 | 126.72 | 986.64 | 45093.80 |
| 6 | 2025-06 | 1113.36 | 124.01 | 989.35 | 44104.45 |
| 7 | 2025-07 | 1113.36 | 121.29 | 992.07 | 43112.38 |
| 8 | 2025-08 | 1113.36 | 118.56 | 994.80 | 42117.58 |
| 9 | 2025-09 | 1113.36 | 115.82 | 997.53 | 41120.04 |
| 10 | 2025-10 | 1113.36 | 113.08 | 1000.28 | 40119.76 |
| 11 | 2025-11 | 1113.36 | 110.33 | 1003.03 | 39116.74 |
| 12 | 2025-12 | 1113.36 | 107.57 | 1005.79 | 38110.95 |
| 13 | 2026-01 | 1113.36 | 104.81 | 1008.55 | 37102.40 |
| 14 | 2026-02 | 1113.36 | 102.03 | 1011.33 | 36091.07 |
| 15 | 2026-03 | 1113.36 | 99.25 | 1014.11 | 35076.96 |
| 16 | 2026-04 | 1113.36 | 96.46 | 1016.90 | 34060.06 |
| 17 | 2026-05 | 1113.36 | 93.67 | 1019.69 | 33040.37 |
| 18 | 2026-06 | 1113.36 | 90.86 | 1022.50 | 32017.87 |
| 19 | 2026-07 | 1113.36 | 88.05 | 1025.31 | 30992.56 |
| 20 | 2026-08 | 1113.36 | 85.23 | 1028.13 | 29964.44 |
| 21 | 2026-09 | 1113.36 | 82.40 | 1030.96 | 28933.48 |
| 22 | 2026-10 | 1113.36 | 79.57 | 1033.79 | 27899.69 |
| 23 | 2026-11 | 1113.36 | 76.72 | 1036.63 | 26863.05 |
| 24 | 2026-12 | 1113.36 | 73.87 | 1039.48 | 25823.57 |
| 25 | 2027-01 | 1113.36 | 71.01 | 1042.34 | 24781.23 |
| 26 | 2027-02 | 1113.36 | 68.15 | 1045.21 | 23736.02 |
| 27 | 2027-03 | 1113.36 | 65.27 | 1048.08 | 22687.93 |
| 28 | 2027-04 | 1113.36 | 62.39 | 1050.97 | 21636.97 |
| 29 | 2027-05 | 1113.36 | 59.50 | 1053.86 | 20583.11 |
| 30 | 2027-06 | 1113.36 | 56.60 | 1056.75 | 19526.35 |
| 31 | 2027-07 | 1113.36 | 53.70 | 1059.66 | 18466.69 |
| 32 | 2027-08 | 1113.36 | 50.78 | 1062.57 | 17404.12 |
| 33 | 2027-09 | 1113.36 | 47.86 | 1065.50 | 16338.62 |
| 34 | 2027-10 | 1113.36 | 44.93 | 1068.43 | 15270.19 |
| 35 | 2027-11 | 1113.36 | 41.99 | 1071.37 | 14198.83 |
| 36 | 2027-12 | 1113.36 | 39.05 | 1074.31 | 13124.52 |
| 37 | 2028-01 | 1113.36 | 36.09 | 1077.27 | 12047.25 |
| 38 | 2028-02 | 1113.36 | 33.13 | 1080.23 | 10967.02 |
| 39 | 2028-03 | 1113.36 | 30.16 | 1083.20 | 9883.82 |
| 40 | 2028-04 | 1113.36 | 27.18 | 1086.18 | 8797.65 |
| 41 | 2028-05 | 1113.36 | 24.19 | 1089.16 | 7708.48 |
| 42 | 2028-06 | 1113.36 | 21.20 | 1092.16 | 6616.32 |
| 43 | 2028-07 | 1113.36 | 18.19 | 1095.16 | 5521.16 |
| 44 | 2028-08 | 1113.36 | 15.18 | 1098.18 | 4422.98 |
| 45 | 2028-09 | 1113.36 | 12.16 | 1101.20 | 3321.79 |
| 46 | 2028-10 | 1113.36 | 9.13 | 1104.22 | 2217.56 |
| 47 | 2028-11 | 1113.36 | 6.10 | 1107.26 | 1110.30 |
| 48 | 2028-12 | 1113.36 | 3.05 | 1110.30 | 0.00 |
等额本金还款方式：
贷款总额：5万
还款月数：4年
首月还款：1179.17元
每月递减：2.86元
利息总额：3368.75元
本息合计：5.34万
节省利息：72.45元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 1179.17 | 137.50 | 1041.67 | 48958.33 |
| 2 | 2025-02 | 1176.30 | 134.64 | 1041.67 | 47916.67 |
| 3 | 2025-03 | 1173.44 | 131.77 | 1041.67 | 46875.00 |
| 4 | 2025-04 | 1170.57 | 128.91 | 1041.67 | 45833.33 |
| 5 | 2025-05 | 1167.71 | 126.04 | 1041.67 | 44791.67 |
| 6 | 2025-06 | 1164.84 | 123.18 | 1041.67 | 43750.00 |
| 7 | 2025-07 | 1161.98 | 120.31 | 1041.67 | 42708.33 |
| 8 | 2025-08 | 1159.11 | 117.45 | 1041.67 | 41666.67 |
| 9 | 2025-09 | 1156.25 | 114.58 | 1041.67 | 40625.00 |
| 10 | 2025-10 | 1153.39 | 111.72 | 1041.67 | 39583.33 |
| 11 | 2025-11 | 1150.52 | 108.85 | 1041.67 | 38541.67 |
| 12 | 2025-12 | 1147.66 | 105.99 | 1041.67 | 37500.00 |
| 13 | 2026-01 | 1144.79 | 103.13 | 1041.67 | 36458.33 |
| 14 | 2026-02 | 1141.93 | 100.26 | 1041.67 | 35416.67 |
| 15 | 2026-03 | 1139.06 | 97.40 | 1041.67 | 34375.00 |
| 16 | 2026-04 | 1136.20 | 94.53 | 1041.67 | 33333.33 |
| 17 | 2026-05 | 1133.33 | 91.67 | 1041.67 | 32291.67 |
| 18 | 2026-06 | 1130.47 | 88.80 | 1041.67 | 31250.00 |
| 19 | 2026-07 | 1127.60 | 85.94 | 1041.67 | 30208.33 |
| 20 | 2026-08 | 1124.74 | 83.07 | 1041.67 | 29166.67 |
| 21 | 2026-09 | 1121.88 | 80.21 | 1041.67 | 28125.00 |
| 22 | 2026-10 | 1119.01 | 77.34 | 1041.67 | 27083.33 |
| 23 | 2026-11 | 1116.15 | 74.48 | 1041.67 | 26041.67 |
| 24 | 2026-12 | 1113.28 | 71.61 | 1041.67 | 25000.00 |
| 25 | 2027-01 | 1110.42 | 68.75 | 1041.67 | 23958.33 |
| 26 | 2027-02 | 1107.55 | 65.89 | 1041.67 | 22916.67 |
| 27 | 2027-03 | 1104.69 | 63.02 | 1041.67 | 21875.00 |
| 28 | 2027-04 | 1101.82 | 60.16 | 1041.67 | 20833.33 |
| 29 | 2027-05 | 1098.96 | 57.29 | 1041.67 | 19791.67 |
| 30 | 2027-06 | 1096.09 | 54.43 | 1041.67 | 18750.00 |
| 31 | 2027-07 | 1093.23 | 51.56 | 1041.67 | 17708.33 |
| 32 | 2027-08 | 1090.36 | 48.70 | 1041.67 | 16666.67 |
| 33 | 2027-09 | 1087.50 | 45.83 | 1041.67 | 15625.00 |
| 34 | 2027-10 | 1084.64 | 42.97 | 1041.67 | 14583.33 |
| 35 | 2027-11 | 1081.77 | 40.10 | 1041.67 | 13541.67 |
| 36 | 2027-12 | 1078.91 | 37.24 | 1041.67 | 12500.00 |
| 37 | 2028-01 | 1076.04 | 34.38 | 1041.67 | 11458.33 |
| 38 | 2028-02 | 1073.18 | 31.51 | 1041.67 | 10416.67 |
| 39 | 2028-03 | 1070.31 | 28.65 | 1041.67 | 9375.00 |
| 40 | 2028-04 | 1067.45 | 25.78 | 1041.67 | 8333.33 |
| 41 | 2028-05 | 1064.58 | 22.92 | 1041.67 | 7291.67 |
| 42 | 2028-06 | 1061.72 | 20.05 | 1041.67 | 6250.00 |
| 43 | 2028-07 | 1058.85 | 17.19 | 1041.67 | 5208.33 |
| 44 | 2028-08 | 1055.99 | 14.32 | 1041.67 | 4166.67 |
| 45 | 2028-09 | 1053.13 | 11.46 | 1041.67 | 3125.00 |
| 46 | 2028-10 | 1050.26 | 8.59 | 1041.67 | 2083.33 |
| 47 | 2028-11 | 1047.40 | 5.73 | 1041.67 | 1041.67 |
| 48 | 2028-12 | 1044.53 | 2.86 | 1041.67 | 0.00 |