贷款1.5万（商业贷款）房贷，还款3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：1.5万
还款月数：3年
每月还款：482.6元
利息总额：2373.62元
本息合计：1.74万
| 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 | 482.60 | 122.50 | 360.10 | 14639.90 |
| 2 | 2025-02 | 482.60 | 119.56 | 363.04 | 14276.86 |
| 3 | 2025-03 | 482.60 | 116.59 | 366.01 | 13910.85 |
| 4 | 2025-04 | 482.60 | 113.61 | 369.00 | 13541.86 |
| 5 | 2025-05 | 482.60 | 110.59 | 372.01 | 13169.85 |
| 6 | 2025-06 | 482.60 | 107.55 | 375.05 | 12794.80 |
| 7 | 2025-07 | 482.60 | 104.49 | 378.11 | 12416.69 |
| 8 | 2025-08 | 482.60 | 101.40 | 381.20 | 12035.49 |
| 9 | 2025-09 | 482.60 | 98.29 | 384.31 | 11651.18 |
| 10 | 2025-10 | 482.60 | 95.15 | 387.45 | 11263.73 |
| 11 | 2025-11 | 482.60 | 91.99 | 390.61 | 10873.12 |
| 12 | 2025-12 | 482.60 | 88.80 | 393.80 | 10479.32 |
| 13 | 2026-01 | 482.60 | 85.58 | 397.02 | 10082.30 |
| 14 | 2026-02 | 482.60 | 82.34 | 400.26 | 9682.04 |
| 15 | 2026-03 | 482.60 | 79.07 | 403.53 | 9278.51 |
| 16 | 2026-04 | 482.60 | 75.77 | 406.83 | 8871.68 |
| 17 | 2026-05 | 482.60 | 72.45 | 410.15 | 8461.53 |
| 18 | 2026-06 | 482.60 | 69.10 | 413.50 | 8048.03 |
| 19 | 2026-07 | 482.60 | 65.73 | 416.87 | 7631.16 |
| 20 | 2026-08 | 482.60 | 62.32 | 420.28 | 7210.88 |
| 21 | 2026-09 | 482.60 | 58.89 | 423.71 | 6787.17 |
| 22 | 2026-10 | 482.60 | 55.43 | 427.17 | 6359.99 |
| 23 | 2026-11 | 482.60 | 51.94 | 430.66 | 5929.33 |
| 24 | 2026-12 | 482.60 | 48.42 | 434.18 | 5495.16 |
| 25 | 2027-01 | 482.60 | 44.88 | 437.72 | 5057.43 |
| 26 | 2027-02 | 482.60 | 41.30 | 441.30 | 4616.13 |
| 27 | 2027-03 | 482.60 | 37.70 | 444.90 | 4171.23 |
| 28 | 2027-04 | 482.60 | 34.07 | 448.54 | 3722.70 |
| 29 | 2027-05 | 482.60 | 30.40 | 452.20 | 3270.50 |
| 30 | 2027-06 | 482.60 | 26.71 | 455.89 | 2814.61 |
| 31 | 2027-07 | 482.60 | 22.99 | 459.61 | 2354.99 |
| 32 | 2027-08 | 482.60 | 19.23 | 463.37 | 1891.62 |
| 33 | 2027-09 | 482.60 | 15.45 | 467.15 | 1424.47 |
| 34 | 2027-10 | 482.60 | 11.63 | 470.97 | 953.50 |
| 35 | 2027-11 | 482.60 | 7.79 | 474.81 | 478.69 |
| 36 | 2027-12 | 482.60 | 3.91 | 478.69 | 0.00 |
等额本金还款方式：
贷款总额：1.5万
还款月数：3年
首月还款：539.17元
每月递减：3.4元
利息总额：2266.25元
本息合计：1.73万
节省利息：107.37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 | 539.17 | 122.50 | 416.67 | 14583.33 |
| 2 | 2025-02 | 535.76 | 119.10 | 416.67 | 14166.67 |
| 3 | 2025-03 | 532.36 | 115.69 | 416.67 | 13750.00 |
| 4 | 2025-04 | 528.96 | 112.29 | 416.67 | 13333.33 |
| 5 | 2025-05 | 525.56 | 108.89 | 416.67 | 12916.67 |
| 6 | 2025-06 | 522.15 | 105.49 | 416.67 | 12500.00 |
| 7 | 2025-07 | 518.75 | 102.08 | 416.67 | 12083.33 |
| 8 | 2025-08 | 515.35 | 98.68 | 416.67 | 11666.67 |
| 9 | 2025-09 | 511.94 | 95.28 | 416.67 | 11250.00 |
| 10 | 2025-10 | 508.54 | 91.88 | 416.67 | 10833.33 |
| 11 | 2025-11 | 505.14 | 88.47 | 416.67 | 10416.67 |
| 12 | 2025-12 | 501.74 | 85.07 | 416.67 | 10000.00 |
| 13 | 2026-01 | 498.33 | 81.67 | 416.67 | 9583.33 |
| 14 | 2026-02 | 494.93 | 78.26 | 416.67 | 9166.67 |
| 15 | 2026-03 | 491.53 | 74.86 | 416.67 | 8750.00 |
| 16 | 2026-04 | 488.13 | 71.46 | 416.67 | 8333.33 |
| 17 | 2026-05 | 484.72 | 68.06 | 416.67 | 7916.67 |
| 18 | 2026-06 | 481.32 | 64.65 | 416.67 | 7500.00 |
| 19 | 2026-07 | 477.92 | 61.25 | 416.67 | 7083.33 |
| 20 | 2026-08 | 474.51 | 57.85 | 416.67 | 6666.67 |
| 21 | 2026-09 | 471.11 | 54.44 | 416.67 | 6250.00 |
| 22 | 2026-10 | 467.71 | 51.04 | 416.67 | 5833.33 |
| 23 | 2026-11 | 464.31 | 47.64 | 416.67 | 5416.67 |
| 24 | 2026-12 | 460.90 | 44.24 | 416.67 | 5000.00 |
| 25 | 2027-01 | 457.50 | 40.83 | 416.67 | 4583.33 |
| 26 | 2027-02 | 454.10 | 37.43 | 416.67 | 4166.67 |
| 27 | 2027-03 | 450.69 | 34.03 | 416.67 | 3750.00 |
| 28 | 2027-04 | 447.29 | 30.63 | 416.67 | 3333.33 |
| 29 | 2027-05 | 443.89 | 27.22 | 416.67 | 2916.67 |
| 30 | 2027-06 | 440.49 | 23.82 | 416.67 | 2500.00 |
| 31 | 2027-07 | 437.08 | 20.42 | 416.67 | 2083.33 |
| 32 | 2027-08 | 433.68 | 17.01 | 416.67 | 1666.67 |
| 33 | 2027-09 | 430.28 | 13.61 | 416.67 | 1250.00 |
| 34 | 2027-10 | 426.88 | 10.21 | 416.67 | 833.33 |
| 35 | 2027-11 | 423.47 | 6.81 | 416.67 | 416.67 |
| 36 | 2027-12 | 420.07 | 3.40 | 416.67 | 0.00 |