贷款21万（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：21万
还款月数：5年
每月还款：3801.49元
利息总额：1.81万
本息合计：22.81万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 3801.49 | 577.50 | 3223.99 | 206776.01 |
| 2 | 2025-03 | 3801.49 | 568.63 | 3232.85 | 203543.16 |
| 3 | 2025-04 | 3801.49 | 559.74 | 3241.74 | 200301.42 |
| 4 | 2025-05 | 3801.49 | 550.83 | 3250.66 | 197050.76 |
| 5 | 2025-06 | 3801.49 | 541.89 | 3259.60 | 193791.16 |
| 6 | 2025-07 | 3801.49 | 532.93 | 3268.56 | 190522.60 |
| 7 | 2025-08 | 3801.49 | 523.94 | 3277.55 | 187245.05 |
| 8 | 2025-09 | 3801.49 | 514.92 | 3286.56 | 183958.49 |
| 9 | 2025-10 | 3801.49 | 505.89 | 3295.60 | 180662.89 |
| 10 | 2025-11 | 3801.49 | 496.82 | 3304.66 | 177358.23 |
| 11 | 2025-12 | 3801.49 | 487.74 | 3313.75 | 174044.48 |
| 12 | 2026-01 | 3801.49 | 478.62 | 3322.86 | 170721.61 |
| 13 | 2026-02 | 3801.49 | 469.48 | 3332.00 | 167389.61 |
| 14 | 2026-03 | 3801.49 | 460.32 | 3341.17 | 164048.44 |
| 15 | 2026-04 | 3801.49 | 451.13 | 3350.35 | 160698.09 |
| 16 | 2026-05 | 3801.49 | 441.92 | 3359.57 | 157338.53 |
| 17 | 2026-06 | 3801.49 | 432.68 | 3368.81 | 153969.72 |
| 18 | 2026-07 | 3801.49 | 423.42 | 3378.07 | 150591.65 |
| 19 | 2026-08 | 3801.49 | 414.13 | 3387.36 | 147204.29 |
| 20 | 2026-09 | 3801.49 | 404.81 | 3396.67 | 143807.62 |
| 21 | 2026-10 | 3801.49 | 395.47 | 3406.02 | 140401.60 |
| 22 | 2026-11 | 3801.49 | 386.10 | 3415.38 | 136986.22 |
| 23 | 2026-12 | 3801.49 | 376.71 | 3424.77 | 133561.44 |
| 24 | 2027-01 | 3801.49 | 367.29 | 3434.19 | 130127.25 |
| 25 | 2027-02 | 3801.49 | 357.85 | 3443.64 | 126683.61 |
| 26 | 2027-03 | 3801.49 | 348.38 | 3453.11 | 123230.51 |
| 27 | 2027-04 | 3801.49 | 338.88 | 3462.60 | 119767.91 |
| 28 | 2027-05 | 3801.49 | 329.36 | 3472.12 | 116295.78 |
| 29 | 2027-06 | 3801.49 | 319.81 | 3481.67 | 112814.11 |
| 30 | 2027-07 | 3801.49 | 310.24 | 3491.25 | 109322.86 |
| 31 | 2027-08 | 3801.49 | 300.64 | 3500.85 | 105822.01 |
| 32 | 2027-09 | 3801.49 | 291.01 | 3510.48 | 102311.54 |
| 33 | 2027-10 | 3801.49 | 281.36 | 3520.13 | 98791.41 |
| 34 | 2027-11 | 3801.49 | 271.68 | 3529.81 | 95261.60 |
| 35 | 2027-12 | 3801.49 | 261.97 | 3539.52 | 91722.08 |
| 36 | 2028-01 | 3801.49 | 252.24 | 3549.25 | 88172.83 |
| 37 | 2028-02 | 3801.49 | 242.48 | 3559.01 | 84613.82 |
| 38 | 2028-03 | 3801.49 | 232.69 | 3568.80 | 81045.02 |
| 39 | 2028-04 | 3801.49 | 222.87 | 3578.61 | 77466.41 |
| 40 | 2028-05 | 3801.49 | 213.03 | 3588.45 | 73877.95 |
| 41 | 2028-06 | 3801.49 | 203.16 | 3598.32 | 70279.63 |
| 42 | 2028-07 | 3801.49 | 193.27 | 3608.22 | 66671.41 |
| 43 | 2028-08 | 3801.49 | 183.35 | 3618.14 | 63053.27 |
| 44 | 2028-09 | 3801.49 | 173.40 | 3628.09 | 59425.18 |
| 45 | 2028-10 | 3801.49 | 163.42 | 3638.07 | 55787.12 |
| 46 | 2028-11 | 3801.49 | 153.41 | 3648.07 | 52139.04 |
| 47 | 2028-12 | 3801.49 | 143.38 | 3658.10 | 48480.94 |
| 48 | 2029-01 | 3801.49 | 133.32 | 3668.16 | 44812.78 |
| 49 | 2029-02 | 3801.49 | 123.24 | 3678.25 | 41134.52 |
| 50 | 2029-03 | 3801.49 | 113.12 | 3688.37 | 37446.16 |
| 51 | 2029-04 | 3801.49 | 102.98 | 3698.51 | 33747.65 |
| 52 | 2029-05 | 3801.49 | 92.81 | 3708.68 | 30038.97 |
| 53 | 2029-06 | 3801.49 | 82.61 | 3718.88 | 26320.09 |
| 54 | 2029-07 | 3801.49 | 72.38 | 3729.11 | 22590.98 |
| 55 | 2029-08 | 3801.49 | 62.13 | 3739.36 | 18851.62 |
| 56 | 2029-09 | 3801.49 | 51.84 | 3749.64 | 15101.98 |
| 57 | 2029-10 | 3801.49 | 41.53 | 3759.96 | 11342.02 |
| 58 | 2029-11 | 3801.49 | 31.19 | 3770.30 | 7571.73 |
| 59 | 2029-12 | 3801.49 | 20.82 | 3780.66 | 3791.06 |
| 60 | 2030-01 | 3801.49 | 10.43 | 3791.06 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：5年
首月还款：4077.5元
每月递减：9.63元
利息总额：1.76万
本息合计：22.76万
节省利息：475.44元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 4077.50 | 577.50 | 3500.00 | 206500.00 |
| 2 | 2025-03 | 4067.88 | 567.88 | 3500.00 | 203000.00 |
| 3 | 2025-04 | 4058.25 | 558.25 | 3500.00 | 199500.00 |
| 4 | 2025-05 | 4048.63 | 548.63 | 3500.00 | 196000.00 |
| 5 | 2025-06 | 4039.00 | 539.00 | 3500.00 | 192500.00 |
| 6 | 2025-07 | 4029.38 | 529.38 | 3500.00 | 189000.00 |
| 7 | 2025-08 | 4019.75 | 519.75 | 3500.00 | 185500.00 |
| 8 | 2025-09 | 4010.13 | 510.13 | 3500.00 | 182000.00 |
| 9 | 2025-10 | 4000.50 | 500.50 | 3500.00 | 178500.00 |
| 10 | 2025-11 | 3990.88 | 490.88 | 3500.00 | 175000.00 |
| 11 | 2025-12 | 3981.25 | 481.25 | 3500.00 | 171500.00 |
| 12 | 2026-01 | 3971.63 | 471.63 | 3500.00 | 168000.00 |
| 13 | 2026-02 | 3962.00 | 462.00 | 3500.00 | 164500.00 |
| 14 | 2026-03 | 3952.38 | 452.38 | 3500.00 | 161000.00 |
| 15 | 2026-04 | 3942.75 | 442.75 | 3500.00 | 157500.00 |
| 16 | 2026-05 | 3933.13 | 433.13 | 3500.00 | 154000.00 |
| 17 | 2026-06 | 3923.50 | 423.50 | 3500.00 | 150500.00 |
| 18 | 2026-07 | 3913.88 | 413.88 | 3500.00 | 147000.00 |
| 19 | 2026-08 | 3904.25 | 404.25 | 3500.00 | 143500.00 |
| 20 | 2026-09 | 3894.63 | 394.63 | 3500.00 | 140000.00 |
| 21 | 2026-10 | 3885.00 | 385.00 | 3500.00 | 136500.00 |
| 22 | 2026-11 | 3875.38 | 375.38 | 3500.00 | 133000.00 |
| 23 | 2026-12 | 3865.75 | 365.75 | 3500.00 | 129500.00 |
| 24 | 2027-01 | 3856.13 | 356.13 | 3500.00 | 126000.00 |
| 25 | 2027-02 | 3846.50 | 346.50 | 3500.00 | 122500.00 |
| 26 | 2027-03 | 3836.88 | 336.88 | 3500.00 | 119000.00 |
| 27 | 2027-04 | 3827.25 | 327.25 | 3500.00 | 115500.00 |
| 28 | 2027-05 | 3817.63 | 317.63 | 3500.00 | 112000.00 |
| 29 | 2027-06 | 3808.00 | 308.00 | 3500.00 | 108500.00 |
| 30 | 2027-07 | 3798.38 | 298.38 | 3500.00 | 105000.00 |
| 31 | 2027-08 | 3788.75 | 288.75 | 3500.00 | 101500.00 |
| 32 | 2027-09 | 3779.13 | 279.13 | 3500.00 | 98000.00 |
| 33 | 2027-10 | 3769.50 | 269.50 | 3500.00 | 94500.00 |
| 34 | 2027-11 | 3759.88 | 259.88 | 3500.00 | 91000.00 |
| 35 | 2027-12 | 3750.25 | 250.25 | 3500.00 | 87500.00 |
| 36 | 2028-01 | 3740.63 | 240.63 | 3500.00 | 84000.00 |
| 37 | 2028-02 | 3731.00 | 231.00 | 3500.00 | 80500.00 |
| 38 | 2028-03 | 3721.38 | 221.38 | 3500.00 | 77000.00 |
| 39 | 2028-04 | 3711.75 | 211.75 | 3500.00 | 73500.00 |
| 40 | 2028-05 | 3702.13 | 202.13 | 3500.00 | 70000.00 |
| 41 | 2028-06 | 3692.50 | 192.50 | 3500.00 | 66500.00 |
| 42 | 2028-07 | 3682.88 | 182.88 | 3500.00 | 63000.00 |
| 43 | 2028-08 | 3673.25 | 173.25 | 3500.00 | 59500.00 |
| 44 | 2028-09 | 3663.63 | 163.63 | 3500.00 | 56000.00 |
| 45 | 2028-10 | 3654.00 | 154.00 | 3500.00 | 52500.00 |
| 46 | 2028-11 | 3644.38 | 144.38 | 3500.00 | 49000.00 |
| 47 | 2028-12 | 3634.75 | 134.75 | 3500.00 | 45500.00 |
| 48 | 2029-01 | 3625.13 | 125.13 | 3500.00 | 42000.00 |
| 49 | 2029-02 | 3615.50 | 115.50 | 3500.00 | 38500.00 |
| 50 | 2029-03 | 3605.88 | 105.88 | 3500.00 | 35000.00 |
| 51 | 2029-04 | 3596.25 | 96.25 | 3500.00 | 31500.00 |
| 52 | 2029-05 | 3586.63 | 86.63 | 3500.00 | 28000.00 |
| 53 | 2029-06 | 3577.00 | 77.00 | 3500.00 | 24500.00 |
| 54 | 2029-07 | 3567.38 | 67.38 | 3500.00 | 21000.00 |
| 55 | 2029-08 | 3557.75 | 57.75 | 3500.00 | 17500.00 |
| 56 | 2029-09 | 3548.13 | 48.13 | 3500.00 | 14000.00 |
| 57 | 2029-10 | 3538.50 | 38.50 | 3500.00 | 10500.00 |
| 58 | 2029-11 | 3528.88 | 28.88 | 3500.00 | 7000.00 |
| 59 | 2029-12 | 3519.25 | 19.25 | 3500.00 | 3500.00 |
| 60 | 2030-01 | 3509.63 | 9.63 | 3500.00 | 0.00 |