贷款26万（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：26万
还款月数：3年
每月还款：7595.54元
利息总额：1.34万
本息合计：27.34万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 7595.54 | 715.00 | 6880.54 | 253119.46 |
| 2 | 2025-03 | 7595.54 | 696.08 | 6899.46 | 246220.00 |
| 3 | 2025-04 | 7595.54 | 677.11 | 6918.43 | 239301.57 |
| 4 | 2025-05 | 7595.54 | 658.08 | 6937.46 | 232364.11 |
| 5 | 2025-06 | 7595.54 | 639.00 | 6956.54 | 225407.57 |
| 6 | 2025-07 | 7595.54 | 619.87 | 6975.67 | 218431.91 |
| 7 | 2025-08 | 7595.54 | 600.69 | 6994.85 | 211437.06 |
| 8 | 2025-09 | 7595.54 | 581.45 | 7014.09 | 204422.97 |
| 9 | 2025-10 | 7595.54 | 562.16 | 7033.37 | 197389.60 |
| 10 | 2025-11 | 7595.54 | 542.82 | 7052.72 | 190336.88 |
| 11 | 2025-12 | 7595.54 | 523.43 | 7072.11 | 183264.77 |
| 12 | 2026-01 | 7595.54 | 503.98 | 7091.56 | 176173.21 |
| 13 | 2026-02 | 7595.54 | 484.48 | 7111.06 | 169062.15 |
| 14 | 2026-03 | 7595.54 | 464.92 | 7130.62 | 161931.53 |
| 15 | 2026-04 | 7595.54 | 445.31 | 7150.23 | 154781.30 |
| 16 | 2026-05 | 7595.54 | 425.65 | 7169.89 | 147611.41 |
| 17 | 2026-06 | 7595.54 | 405.93 | 7189.61 | 140421.81 |
| 18 | 2026-07 | 7595.54 | 386.16 | 7209.38 | 133212.43 |
| 19 | 2026-08 | 7595.54 | 366.33 | 7229.20 | 125983.23 |
| 20 | 2026-09 | 7595.54 | 346.45 | 7249.08 | 118734.14 |
| 21 | 2026-10 | 7595.54 | 326.52 | 7269.02 | 111465.12 |
| 22 | 2026-11 | 7595.54 | 306.53 | 7289.01 | 104176.11 |
| 23 | 2026-12 | 7595.54 | 286.48 | 7309.05 | 96867.06 |
| 24 | 2027-01 | 7595.54 | 266.38 | 7329.15 | 89537.91 |
| 25 | 2027-02 | 7595.54 | 246.23 | 7349.31 | 82188.60 |
| 26 | 2027-03 | 7595.54 | 226.02 | 7369.52 | 74819.08 |
| 27 | 2027-04 | 7595.54 | 205.75 | 7389.79 | 67429.29 |
| 28 | 2027-05 | 7595.54 | 185.43 | 7410.11 | 60019.19 |
| 29 | 2027-06 | 7595.54 | 165.05 | 7430.49 | 52588.70 |
| 30 | 2027-07 | 7595.54 | 144.62 | 7450.92 | 45137.78 |
| 31 | 2027-08 | 7595.54 | 124.13 | 7471.41 | 37666.37 |
| 32 | 2027-09 | 7595.54 | 103.58 | 7491.96 | 30174.42 |
| 33 | 2027-10 | 7595.54 | 82.98 | 7512.56 | 22661.86 |
| 34 | 2027-11 | 7595.54 | 62.32 | 7533.22 | 15128.64 |
| 35 | 2027-12 | 7595.54 | 41.60 | 7553.93 | 7574.71 |
| 36 | 2028-01 | 7595.54 | 20.83 | 7574.71 | 0.00 |
等额本金还款方式：
贷款总额：26万
还款月数：3年
首月还款：7937.22元
每月递减：19.86元
利息总额：1.32万
本息合计：27.32万
节省利息：211.87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 | 7937.22 | 715.00 | 7222.22 | 252777.78 |
| 2 | 2025-03 | 7917.36 | 695.14 | 7222.22 | 245555.56 |
| 3 | 2025-04 | 7897.50 | 675.28 | 7222.22 | 238333.33 |
| 4 | 2025-05 | 7877.64 | 655.42 | 7222.22 | 231111.11 |
| 5 | 2025-06 | 7857.78 | 635.56 | 7222.22 | 223888.89 |
| 6 | 2025-07 | 7837.92 | 615.69 | 7222.22 | 216666.67 |
| 7 | 2025-08 | 7818.06 | 595.83 | 7222.22 | 209444.44 |
| 8 | 2025-09 | 7798.19 | 575.97 | 7222.22 | 202222.22 |
| 9 | 2025-10 | 7778.33 | 556.11 | 7222.22 | 195000.00 |
| 10 | 2025-11 | 7758.47 | 536.25 | 7222.22 | 187777.78 |
| 11 | 2025-12 | 7738.61 | 516.39 | 7222.22 | 180555.56 |
| 12 | 2026-01 | 7718.75 | 496.53 | 7222.22 | 173333.33 |
| 13 | 2026-02 | 7698.89 | 476.67 | 7222.22 | 166111.11 |
| 14 | 2026-03 | 7679.03 | 456.81 | 7222.22 | 158888.89 |
| 15 | 2026-04 | 7659.17 | 436.94 | 7222.22 | 151666.67 |
| 16 | 2026-05 | 7639.31 | 417.08 | 7222.22 | 144444.44 |
| 17 | 2026-06 | 7619.44 | 397.22 | 7222.22 | 137222.22 |
| 18 | 2026-07 | 7599.58 | 377.36 | 7222.22 | 130000.00 |
| 19 | 2026-08 | 7579.72 | 357.50 | 7222.22 | 122777.78 |
| 20 | 2026-09 | 7559.86 | 337.64 | 7222.22 | 115555.56 |
| 21 | 2026-10 | 7540.00 | 317.78 | 7222.22 | 108333.33 |
| 22 | 2026-11 | 7520.14 | 297.92 | 7222.22 | 101111.11 |
| 23 | 2026-12 | 7500.28 | 278.06 | 7222.22 | 93888.89 |
| 24 | 2027-01 | 7480.42 | 258.19 | 7222.22 | 86666.67 |
| 25 | 2027-02 | 7460.56 | 238.33 | 7222.22 | 79444.44 |
| 26 | 2027-03 | 7440.69 | 218.47 | 7222.22 | 72222.22 |
| 27 | 2027-04 | 7420.83 | 198.61 | 7222.22 | 65000.00 |
| 28 | 2027-05 | 7400.97 | 178.75 | 7222.22 | 57777.78 |
| 29 | 2027-06 | 7381.11 | 158.89 | 7222.22 | 50555.56 |
| 30 | 2027-07 | 7361.25 | 139.03 | 7222.22 | 43333.33 |
| 31 | 2027-08 | 7341.39 | 119.17 | 7222.22 | 36111.11 |
| 32 | 2027-09 | 7321.53 | 99.31 | 7222.22 | 28888.89 |
| 33 | 2027-10 | 7301.67 | 79.44 | 7222.22 | 21666.67 |
| 34 | 2027-11 | 7281.81 | 59.58 | 7222.22 | 14444.44 |
| 35 | 2027-12 | 7261.94 | 39.72 | 7222.22 | 7222.22 |
| 36 | 2028-01 | 7242.08 | 19.86 | 7222.22 | 0.00 |