贷款26万（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：26万
还款月数：5年
每月还款：4706.6元
利息总额：2.24万
本息合计：28.24万
| 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 | 4706.60 | 715.00 | 3991.60 | 256008.40 |
| 2 | 2025-03 | 4706.60 | 704.02 | 4002.58 | 252005.82 |
| 3 | 2025-04 | 4706.60 | 693.02 | 4013.59 | 247992.23 |
| 4 | 2025-05 | 4706.60 | 681.98 | 4024.62 | 243967.61 |
| 5 | 2025-06 | 4706.60 | 670.91 | 4035.69 | 239931.92 |
| 6 | 2025-07 | 4706.60 | 659.81 | 4046.79 | 235885.13 |
| 7 | 2025-08 | 4706.60 | 648.68 | 4057.92 | 231827.21 |
| 8 | 2025-09 | 4706.60 | 637.52 | 4069.08 | 227758.13 |
| 9 | 2025-10 | 4706.60 | 626.33 | 4080.27 | 223677.86 |
| 10 | 2025-11 | 4706.60 | 615.11 | 4091.49 | 219586.38 |
| 11 | 2025-12 | 4706.60 | 603.86 | 4102.74 | 215483.64 |
| 12 | 2026-01 | 4706.60 | 592.58 | 4114.02 | 211369.61 |
| 13 | 2026-02 | 4706.60 | 581.27 | 4125.34 | 207244.28 |
| 14 | 2026-03 | 4706.60 | 569.92 | 4136.68 | 203107.60 |
| 15 | 2026-04 | 4706.60 | 558.55 | 4148.06 | 198959.54 |
| 16 | 2026-05 | 4706.60 | 547.14 | 4159.46 | 194800.08 |
| 17 | 2026-06 | 4706.60 | 535.70 | 4170.90 | 190629.18 |
| 18 | 2026-07 | 4706.60 | 524.23 | 4182.37 | 186446.80 |
| 19 | 2026-08 | 4706.60 | 512.73 | 4193.87 | 182252.93 |
| 20 | 2026-09 | 4706.60 | 501.20 | 4205.41 | 178047.52 |
| 21 | 2026-10 | 4706.60 | 489.63 | 4216.97 | 173830.55 |
| 22 | 2026-11 | 4706.60 | 478.03 | 4228.57 | 169601.98 |
| 23 | 2026-12 | 4706.60 | 466.41 | 4240.20 | 165361.79 |
| 24 | 2027-01 | 4706.60 | 454.74 | 4251.86 | 161109.93 |
| 25 | 2027-02 | 4706.60 | 443.05 | 4263.55 | 156846.38 |
| 26 | 2027-03 | 4706.60 | 431.33 | 4275.27 | 152571.11 |
| 27 | 2027-04 | 4706.60 | 419.57 | 4287.03 | 148284.07 |
| 28 | 2027-05 | 4706.60 | 407.78 | 4298.82 | 143985.25 |
| 29 | 2027-06 | 4706.60 | 395.96 | 4310.64 | 139674.61 |
| 30 | 2027-07 | 4706.60 | 384.11 | 4322.50 | 135352.11 |
| 31 | 2027-08 | 4706.60 | 372.22 | 4334.38 | 131017.73 |
| 32 | 2027-09 | 4706.60 | 360.30 | 4346.30 | 126671.43 |
| 33 | 2027-10 | 4706.60 | 348.35 | 4358.26 | 122313.17 |
| 34 | 2027-11 | 4706.60 | 336.36 | 4370.24 | 117942.93 |
| 35 | 2027-12 | 4706.60 | 324.34 | 4382.26 | 113560.67 |
| 36 | 2028-01 | 4706.60 | 312.29 | 4394.31 | 109166.36 |
| 37 | 2028-02 | 4706.60 | 300.21 | 4406.39 | 104759.96 |
| 38 | 2028-03 | 4706.60 | 288.09 | 4418.51 | 100341.45 |
| 39 | 2028-04 | 4706.60 | 275.94 | 4430.66 | 95910.79 |
| 40 | 2028-05 | 4706.60 | 263.75 | 4442.85 | 91467.94 |
| 41 | 2028-06 | 4706.60 | 251.54 | 4455.07 | 87012.88 |
| 42 | 2028-07 | 4706.60 | 239.29 | 4467.32 | 82545.56 |
| 43 | 2028-08 | 4706.60 | 227.00 | 4479.60 | 78065.96 |
| 44 | 2028-09 | 4706.60 | 214.68 | 4491.92 | 73574.04 |
| 45 | 2028-10 | 4706.60 | 202.33 | 4504.27 | 69069.76 |
| 46 | 2028-11 | 4706.60 | 189.94 | 4516.66 | 64553.10 |
| 47 | 2028-12 | 4706.60 | 177.52 | 4529.08 | 60024.02 |
| 48 | 2029-01 | 4706.60 | 165.07 | 4541.54 | 55482.48 |
| 49 | 2029-02 | 4706.60 | 152.58 | 4554.03 | 50928.46 |
| 50 | 2029-03 | 4706.60 | 140.05 | 4566.55 | 46361.91 |
| 51 | 2029-04 | 4706.60 | 127.50 | 4579.11 | 41782.80 |
| 52 | 2029-05 | 4706.60 | 114.90 | 4591.70 | 37191.10 |
| 53 | 2029-06 | 4706.60 | 102.28 | 4604.33 | 32586.78 |
| 54 | 2029-07 | 4706.60 | 89.61 | 4616.99 | 27969.79 |
| 55 | 2029-08 | 4706.60 | 76.92 | 4629.69 | 23340.10 |
| 56 | 2029-09 | 4706.60 | 64.19 | 4642.42 | 18697.69 |
| 57 | 2029-10 | 4706.60 | 51.42 | 4655.18 | 14042.50 |
| 58 | 2029-11 | 4706.60 | 38.62 | 4667.99 | 9374.52 |
| 59 | 2029-12 | 4706.60 | 25.78 | 4680.82 | 4693.69 |
| 60 | 2030-01 | 4706.60 | 12.91 | 4693.69 | 0.00 |
等额本金还款方式：
贷款总额：26万
还款月数：5年
首月还款：5048.33元
每月递减：11.92元
利息总额：2.18万
本息合计：28.18万
节省利息：588.64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 | 5048.33 | 715.00 | 4333.33 | 255666.67 |
| 2 | 2025-03 | 5036.42 | 703.08 | 4333.33 | 251333.33 |
| 3 | 2025-04 | 5024.50 | 691.17 | 4333.33 | 247000.00 |
| 4 | 2025-05 | 5012.58 | 679.25 | 4333.33 | 242666.67 |
| 5 | 2025-06 | 5000.67 | 667.33 | 4333.33 | 238333.33 |
| 6 | 2025-07 | 4988.75 | 655.42 | 4333.33 | 234000.00 |
| 7 | 2025-08 | 4976.83 | 643.50 | 4333.33 | 229666.67 |
| 8 | 2025-09 | 4964.92 | 631.58 | 4333.33 | 225333.33 |
| 9 | 2025-10 | 4953.00 | 619.67 | 4333.33 | 221000.00 |
| 10 | 2025-11 | 4941.08 | 607.75 | 4333.33 | 216666.67 |
| 11 | 2025-12 | 4929.17 | 595.83 | 4333.33 | 212333.33 |
| 12 | 2026-01 | 4917.25 | 583.92 | 4333.33 | 208000.00 |
| 13 | 2026-02 | 4905.33 | 572.00 | 4333.33 | 203666.67 |
| 14 | 2026-03 | 4893.42 | 560.08 | 4333.33 | 199333.33 |
| 15 | 2026-04 | 4881.50 | 548.17 | 4333.33 | 195000.00 |
| 16 | 2026-05 | 4869.58 | 536.25 | 4333.33 | 190666.67 |
| 17 | 2026-06 | 4857.67 | 524.33 | 4333.33 | 186333.33 |
| 18 | 2026-07 | 4845.75 | 512.42 | 4333.33 | 182000.00 |
| 19 | 2026-08 | 4833.83 | 500.50 | 4333.33 | 177666.67 |
| 20 | 2026-09 | 4821.92 | 488.58 | 4333.33 | 173333.33 |
| 21 | 2026-10 | 4810.00 | 476.67 | 4333.33 | 169000.00 |
| 22 | 2026-11 | 4798.08 | 464.75 | 4333.33 | 164666.67 |
| 23 | 2026-12 | 4786.17 | 452.83 | 4333.33 | 160333.33 |
| 24 | 2027-01 | 4774.25 | 440.92 | 4333.33 | 156000.00 |
| 25 | 2027-02 | 4762.33 | 429.00 | 4333.33 | 151666.67 |
| 26 | 2027-03 | 4750.42 | 417.08 | 4333.33 | 147333.33 |
| 27 | 2027-04 | 4738.50 | 405.17 | 4333.33 | 143000.00 |
| 28 | 2027-05 | 4726.58 | 393.25 | 4333.33 | 138666.67 |
| 29 | 2027-06 | 4714.67 | 381.33 | 4333.33 | 134333.33 |
| 30 | 2027-07 | 4702.75 | 369.42 | 4333.33 | 130000.00 |
| 31 | 2027-08 | 4690.83 | 357.50 | 4333.33 | 125666.67 |
| 32 | 2027-09 | 4678.92 | 345.58 | 4333.33 | 121333.33 |
| 33 | 2027-10 | 4667.00 | 333.67 | 4333.33 | 117000.00 |
| 34 | 2027-11 | 4655.08 | 321.75 | 4333.33 | 112666.67 |
| 35 | 2027-12 | 4643.17 | 309.83 | 4333.33 | 108333.33 |
| 36 | 2028-01 | 4631.25 | 297.92 | 4333.33 | 104000.00 |
| 37 | 2028-02 | 4619.33 | 286.00 | 4333.33 | 99666.67 |
| 38 | 2028-03 | 4607.42 | 274.08 | 4333.33 | 95333.33 |
| 39 | 2028-04 | 4595.50 | 262.17 | 4333.33 | 91000.00 |
| 40 | 2028-05 | 4583.58 | 250.25 | 4333.33 | 86666.67 |
| 41 | 2028-06 | 4571.67 | 238.33 | 4333.33 | 82333.33 |
| 42 | 2028-07 | 4559.75 | 226.42 | 4333.33 | 78000.00 |
| 43 | 2028-08 | 4547.83 | 214.50 | 4333.33 | 73666.67 |
| 44 | 2028-09 | 4535.92 | 202.58 | 4333.33 | 69333.33 |
| 45 | 2028-10 | 4524.00 | 190.67 | 4333.33 | 65000.00 |
| 46 | 2028-11 | 4512.08 | 178.75 | 4333.33 | 60666.67 |
| 47 | 2028-12 | 4500.17 | 166.83 | 4333.33 | 56333.33 |
| 48 | 2029-01 | 4488.25 | 154.92 | 4333.33 | 52000.00 |
| 49 | 2029-02 | 4476.33 | 143.00 | 4333.33 | 47666.67 |
| 50 | 2029-03 | 4464.42 | 131.08 | 4333.33 | 43333.33 |
| 51 | 2029-04 | 4452.50 | 119.17 | 4333.33 | 39000.00 |
| 52 | 2029-05 | 4440.58 | 107.25 | 4333.33 | 34666.67 |
| 53 | 2029-06 | 4428.67 | 95.33 | 4333.33 | 30333.33 |
| 54 | 2029-07 | 4416.75 | 83.42 | 4333.33 | 26000.00 |
| 55 | 2029-08 | 4404.83 | 71.50 | 4333.33 | 21666.67 |
| 56 | 2029-09 | 4392.92 | 59.58 | 4333.33 | 17333.33 |
| 57 | 2029-10 | 4381.00 | 47.67 | 4333.33 | 13000.00 |
| 58 | 2029-11 | 4369.08 | 35.75 | 4333.33 | 8666.67 |
| 59 | 2029-12 | 4357.17 | 23.83 | 4333.33 | 4333.33 |
| 60 | 2030-01 | 4345.25 | 11.92 | 4333.33 | 0.00 |