贷款30万（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：30万
还款月数：4年
每月还款：6680.15元
利息总额：2.06万
本息合计：32.06万
| 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 | 6680.15 | 825.00 | 5855.15 | 294144.85 |
| 2 | 2025-03 | 6680.15 | 808.90 | 5871.25 | 288273.60 |
| 3 | 2025-04 | 6680.15 | 792.75 | 5887.40 | 282386.20 |
| 4 | 2025-05 | 6680.15 | 776.56 | 5903.59 | 276482.61 |
| 5 | 2025-06 | 6680.15 | 760.33 | 5919.82 | 270562.79 |
| 6 | 2025-07 | 6680.15 | 744.05 | 5936.10 | 264626.69 |
| 7 | 2025-08 | 6680.15 | 727.72 | 5952.43 | 258674.26 |
| 8 | 2025-09 | 6680.15 | 711.35 | 5968.80 | 252705.47 |
| 9 | 2025-10 | 6680.15 | 694.94 | 5985.21 | 246720.26 |
| 10 | 2025-11 | 6680.15 | 678.48 | 6001.67 | 240718.59 |
| 11 | 2025-12 | 6680.15 | 661.98 | 6018.17 | 234700.42 |
| 12 | 2026-01 | 6680.15 | 645.43 | 6034.72 | 228665.69 |
| 13 | 2026-02 | 6680.15 | 628.83 | 6051.32 | 222614.37 |
| 14 | 2026-03 | 6680.15 | 612.19 | 6067.96 | 216546.41 |
| 15 | 2026-04 | 6680.15 | 595.50 | 6084.65 | 210461.77 |
| 16 | 2026-05 | 6680.15 | 578.77 | 6101.38 | 204360.39 |
| 17 | 2026-06 | 6680.15 | 561.99 | 6118.16 | 198242.23 |
| 18 | 2026-07 | 6680.15 | 545.17 | 6134.98 | 192107.24 |
| 19 | 2026-08 | 6680.15 | 528.29 | 6151.85 | 185955.39 |
| 20 | 2026-09 | 6680.15 | 511.38 | 6168.77 | 179786.62 |
| 21 | 2026-10 | 6680.15 | 494.41 | 6185.74 | 173600.88 |
| 22 | 2026-11 | 6680.15 | 477.40 | 6202.75 | 167398.13 |
| 23 | 2026-12 | 6680.15 | 460.34 | 6219.80 | 161178.33 |
| 24 | 2027-01 | 6680.15 | 443.24 | 6236.91 | 154941.42 |
| 25 | 2027-02 | 6680.15 | 426.09 | 6254.06 | 148687.36 |
| 26 | 2027-03 | 6680.15 | 408.89 | 6271.26 | 142416.10 |
| 27 | 2027-04 | 6680.15 | 391.64 | 6288.51 | 136127.59 |
| 28 | 2027-05 | 6680.15 | 374.35 | 6305.80 | 129821.79 |
| 29 | 2027-06 | 6680.15 | 357.01 | 6323.14 | 123498.65 |
| 30 | 2027-07 | 6680.15 | 339.62 | 6340.53 | 117158.12 |
| 31 | 2027-08 | 6680.15 | 322.18 | 6357.96 | 110800.16 |
| 32 | 2027-09 | 6680.15 | 304.70 | 6375.45 | 104424.71 |
| 33 | 2027-10 | 6680.15 | 287.17 | 6392.98 | 98031.73 |
| 34 | 2027-11 | 6680.15 | 269.59 | 6410.56 | 91621.17 |
| 35 | 2027-12 | 6680.15 | 251.96 | 6428.19 | 85192.97 |
| 36 | 2028-01 | 6680.15 | 234.28 | 6445.87 | 78747.11 |
| 37 | 2028-02 | 6680.15 | 216.55 | 6463.60 | 72283.51 |
| 38 | 2028-03 | 6680.15 | 198.78 | 6481.37 | 65802.14 |
| 39 | 2028-04 | 6680.15 | 180.96 | 6499.19 | 59302.95 |
| 40 | 2028-05 | 6680.15 | 163.08 | 6517.07 | 52785.88 |
| 41 | 2028-06 | 6680.15 | 145.16 | 6534.99 | 46250.89 |
| 42 | 2028-07 | 6680.15 | 127.19 | 6552.96 | 39697.93 |
| 43 | 2028-08 | 6680.15 | 109.17 | 6570.98 | 33126.95 |
| 44 | 2028-09 | 6680.15 | 91.10 | 6589.05 | 26537.90 |
| 45 | 2028-10 | 6680.15 | 72.98 | 6607.17 | 19930.73 |
| 46 | 2028-11 | 6680.15 | 54.81 | 6625.34 | 13305.39 |
| 47 | 2028-12 | 6680.15 | 36.59 | 6643.56 | 6661.83 |
| 48 | 2029-01 | 6680.15 | 18.32 | 6661.83 | 0.00 |
等额本金还款方式：
贷款总额：30万
还款月数：4年
首月还款：7075元
每月递减：17.19元
利息总额：2.02万
本息合计：32.02万
节省利息：434.69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 | 7075.00 | 825.00 | 6250.00 | 293750.00 |
| 2 | 2025-03 | 7057.81 | 807.81 | 6250.00 | 287500.00 |
| 3 | 2025-04 | 7040.63 | 790.63 | 6250.00 | 281250.00 |
| 4 | 2025-05 | 7023.44 | 773.44 | 6250.00 | 275000.00 |
| 5 | 2025-06 | 7006.25 | 756.25 | 6250.00 | 268750.00 |
| 6 | 2025-07 | 6989.06 | 739.06 | 6250.00 | 262500.00 |
| 7 | 2025-08 | 6971.88 | 721.88 | 6250.00 | 256250.00 |
| 8 | 2025-09 | 6954.69 | 704.69 | 6250.00 | 250000.00 |
| 9 | 2025-10 | 6937.50 | 687.50 | 6250.00 | 243750.00 |
| 10 | 2025-11 | 6920.31 | 670.31 | 6250.00 | 237500.00 |
| 11 | 2025-12 | 6903.13 | 653.13 | 6250.00 | 231250.00 |
| 12 | 2026-01 | 6885.94 | 635.94 | 6250.00 | 225000.00 |
| 13 | 2026-02 | 6868.75 | 618.75 | 6250.00 | 218750.00 |
| 14 | 2026-03 | 6851.56 | 601.56 | 6250.00 | 212500.00 |
| 15 | 2026-04 | 6834.38 | 584.38 | 6250.00 | 206250.00 |
| 16 | 2026-05 | 6817.19 | 567.19 | 6250.00 | 200000.00 |
| 17 | 2026-06 | 6800.00 | 550.00 | 6250.00 | 193750.00 |
| 18 | 2026-07 | 6782.81 | 532.81 | 6250.00 | 187500.00 |
| 19 | 2026-08 | 6765.63 | 515.63 | 6250.00 | 181250.00 |
| 20 | 2026-09 | 6748.44 | 498.44 | 6250.00 | 175000.00 |
| 21 | 2026-10 | 6731.25 | 481.25 | 6250.00 | 168750.00 |
| 22 | 2026-11 | 6714.06 | 464.06 | 6250.00 | 162500.00 |
| 23 | 2026-12 | 6696.88 | 446.88 | 6250.00 | 156250.00 |
| 24 | 2027-01 | 6679.69 | 429.69 | 6250.00 | 150000.00 |
| 25 | 2027-02 | 6662.50 | 412.50 | 6250.00 | 143750.00 |
| 26 | 2027-03 | 6645.31 | 395.31 | 6250.00 | 137500.00 |
| 27 | 2027-04 | 6628.13 | 378.13 | 6250.00 | 131250.00 |
| 28 | 2027-05 | 6610.94 | 360.94 | 6250.00 | 125000.00 |
| 29 | 2027-06 | 6593.75 | 343.75 | 6250.00 | 118750.00 |
| 30 | 2027-07 | 6576.56 | 326.56 | 6250.00 | 112500.00 |
| 31 | 2027-08 | 6559.38 | 309.38 | 6250.00 | 106250.00 |
| 32 | 2027-09 | 6542.19 | 292.19 | 6250.00 | 100000.00 |
| 33 | 2027-10 | 6525.00 | 275.00 | 6250.00 | 93750.00 |
| 34 | 2027-11 | 6507.81 | 257.81 | 6250.00 | 87500.00 |
| 35 | 2027-12 | 6490.63 | 240.63 | 6250.00 | 81250.00 |
| 36 | 2028-01 | 6473.44 | 223.44 | 6250.00 | 75000.00 |
| 37 | 2028-02 | 6456.25 | 206.25 | 6250.00 | 68750.00 |
| 38 | 2028-03 | 6439.06 | 189.06 | 6250.00 | 62500.00 |
| 39 | 2028-04 | 6421.88 | 171.88 | 6250.00 | 56250.00 |
| 40 | 2028-05 | 6404.69 | 154.69 | 6250.00 | 50000.00 |
| 41 | 2028-06 | 6387.50 | 137.50 | 6250.00 | 43750.00 |
| 42 | 2028-07 | 6370.31 | 120.31 | 6250.00 | 37500.00 |
| 43 | 2028-08 | 6353.13 | 103.13 | 6250.00 | 31250.00 |
| 44 | 2028-09 | 6335.94 | 85.94 | 6250.00 | 25000.00 |
| 45 | 2028-10 | 6318.75 | 68.75 | 6250.00 | 18750.00 |
| 46 | 2028-11 | 6301.56 | 51.56 | 6250.00 | 12500.00 |
| 47 | 2028-12 | 6284.38 | 34.38 | 6250.00 | 6250.00 |
| 48 | 2029-01 | 6267.19 | 17.19 | 6250.00 | 0.00 |