杭州贷款2万（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：2万
还款月数：4年
每月还款：445.34元
利息总额：1376.48元
本息合计：2.14万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 445.34 | 55.00 | 390.34 | 19609.66 |
| 2 | 2025-05 | 445.34 | 53.93 | 391.42 | 19218.24 |
| 3 | 2025-06 | 445.34 | 52.85 | 392.49 | 18825.75 |
| 4 | 2025-07 | 445.34 | 51.77 | 393.57 | 18432.17 |
| 5 | 2025-08 | 445.34 | 50.69 | 394.65 | 18037.52 |
| 6 | 2025-09 | 445.34 | 49.60 | 395.74 | 17641.78 |
| 7 | 2025-10 | 445.34 | 48.51 | 396.83 | 17244.95 |
| 8 | 2025-11 | 445.34 | 47.42 | 397.92 | 16847.03 |
| 9 | 2025-12 | 445.34 | 46.33 | 399.01 | 16448.02 |
| 10 | 2026-01 | 445.34 | 45.23 | 400.11 | 16047.91 |
| 11 | 2026-02 | 445.34 | 44.13 | 401.21 | 15646.69 |
| 12 | 2026-03 | 445.34 | 43.03 | 402.31 | 15244.38 |
| 13 | 2026-04 | 445.34 | 41.92 | 403.42 | 14840.96 |
| 14 | 2026-05 | 445.34 | 40.81 | 404.53 | 14436.43 |
| 15 | 2026-06 | 445.34 | 39.70 | 405.64 | 14030.78 |
| 16 | 2026-07 | 445.34 | 38.58 | 406.76 | 13624.03 |
| 17 | 2026-08 | 445.34 | 37.47 | 407.88 | 13216.15 |
| 18 | 2026-09 | 445.34 | 36.34 | 409.00 | 12807.15 |
| 19 | 2026-10 | 445.34 | 35.22 | 410.12 | 12397.03 |
| 20 | 2026-11 | 445.34 | 34.09 | 411.25 | 11985.77 |
| 21 | 2026-12 | 445.34 | 32.96 | 412.38 | 11573.39 |
| 22 | 2027-01 | 445.34 | 31.83 | 413.52 | 11159.88 |
| 23 | 2027-02 | 445.34 | 30.69 | 414.65 | 10745.22 |
| 24 | 2027-03 | 445.34 | 29.55 | 415.79 | 10329.43 |
| 25 | 2027-04 | 445.34 | 28.41 | 416.94 | 9912.49 |
| 26 | 2027-05 | 445.34 | 27.26 | 418.08 | 9494.41 |
| 27 | 2027-06 | 445.34 | 26.11 | 419.23 | 9075.17 |
| 28 | 2027-07 | 445.34 | 24.96 | 420.39 | 8654.79 |
| 29 | 2027-08 | 445.34 | 23.80 | 421.54 | 8233.24 |
| 30 | 2027-09 | 445.34 | 22.64 | 422.70 | 7810.54 |
| 31 | 2027-10 | 445.34 | 21.48 | 423.86 | 7386.68 |
| 32 | 2027-11 | 445.34 | 20.31 | 425.03 | 6961.65 |
| 33 | 2027-12 | 445.34 | 19.14 | 426.20 | 6535.45 |
| 34 | 2028-01 | 445.34 | 17.97 | 427.37 | 6108.08 |
| 35 | 2028-02 | 445.34 | 16.80 | 428.55 | 5679.53 |
| 36 | 2028-03 | 445.34 | 15.62 | 429.72 | 5249.81 |
| 37 | 2028-04 | 445.34 | 14.44 | 430.91 | 4818.90 |
| 38 | 2028-05 | 445.34 | 13.25 | 432.09 | 4386.81 |
| 39 | 2028-06 | 445.34 | 12.06 | 433.28 | 3953.53 |
| 40 | 2028-07 | 445.34 | 10.87 | 434.47 | 3519.06 |
| 41 | 2028-08 | 445.34 | 9.68 | 435.67 | 3083.39 |
| 42 | 2028-09 | 445.34 | 8.48 | 436.86 | 2646.53 |
| 43 | 2028-10 | 445.34 | 7.28 | 438.07 | 2208.46 |
| 44 | 2028-11 | 445.34 | 6.07 | 439.27 | 1769.19 |
| 45 | 2028-12 | 445.34 | 4.87 | 440.48 | 1328.72 |
| 46 | 2029-01 | 445.34 | 3.65 | 441.69 | 887.03 |
| 47 | 2029-02 | 445.34 | 2.44 | 442.90 | 444.12 |
| 48 | 2029-03 | 445.34 | 1.22 | 444.12 | 0.00 |
等额本金还款方式：
贷款总额：2万
还款月数：4年
首月还款：471.67元
每月递减：1.15元
利息总额：1347.5元
本息合计：2.13万
节省利息：28.98元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 471.67 | 55.00 | 416.67 | 19583.33 |
| 2 | 2025-05 | 470.52 | 53.85 | 416.67 | 19166.67 |
| 3 | 2025-06 | 469.38 | 52.71 | 416.67 | 18750.00 |
| 4 | 2025-07 | 468.23 | 51.56 | 416.67 | 18333.33 |
| 5 | 2025-08 | 467.08 | 50.42 | 416.67 | 17916.67 |
| 6 | 2025-09 | 465.94 | 49.27 | 416.67 | 17500.00 |
| 7 | 2025-10 | 464.79 | 48.13 | 416.67 | 17083.33 |
| 8 | 2025-11 | 463.65 | 46.98 | 416.67 | 16666.67 |
| 9 | 2025-12 | 462.50 | 45.83 | 416.67 | 16250.00 |
| 10 | 2026-01 | 461.35 | 44.69 | 416.67 | 15833.33 |
| 11 | 2026-02 | 460.21 | 43.54 | 416.67 | 15416.67 |
| 12 | 2026-03 | 459.06 | 42.40 | 416.67 | 15000.00 |
| 13 | 2026-04 | 457.92 | 41.25 | 416.67 | 14583.33 |
| 14 | 2026-05 | 456.77 | 40.10 | 416.67 | 14166.67 |
| 15 | 2026-06 | 455.63 | 38.96 | 416.67 | 13750.00 |
| 16 | 2026-07 | 454.48 | 37.81 | 416.67 | 13333.33 |
| 17 | 2026-08 | 453.33 | 36.67 | 416.67 | 12916.67 |
| 18 | 2026-09 | 452.19 | 35.52 | 416.67 | 12500.00 |
| 19 | 2026-10 | 451.04 | 34.38 | 416.67 | 12083.33 |
| 20 | 2026-11 | 449.90 | 33.23 | 416.67 | 11666.67 |
| 21 | 2026-12 | 448.75 | 32.08 | 416.67 | 11250.00 |
| 22 | 2027-01 | 447.60 | 30.94 | 416.67 | 10833.33 |
| 23 | 2027-02 | 446.46 | 29.79 | 416.67 | 10416.67 |
| 24 | 2027-03 | 445.31 | 28.65 | 416.67 | 10000.00 |
| 25 | 2027-04 | 444.17 | 27.50 | 416.67 | 9583.33 |
| 26 | 2027-05 | 443.02 | 26.35 | 416.67 | 9166.67 |
| 27 | 2027-06 | 441.88 | 25.21 | 416.67 | 8750.00 |
| 28 | 2027-07 | 440.73 | 24.06 | 416.67 | 8333.33 |
| 29 | 2027-08 | 439.58 | 22.92 | 416.67 | 7916.67 |
| 30 | 2027-09 | 438.44 | 21.77 | 416.67 | 7500.00 |
| 31 | 2027-10 | 437.29 | 20.63 | 416.67 | 7083.33 |
| 32 | 2027-11 | 436.15 | 19.48 | 416.67 | 6666.67 |
| 33 | 2027-12 | 435.00 | 18.33 | 416.67 | 6250.00 |
| 34 | 2028-01 | 433.85 | 17.19 | 416.67 | 5833.33 |
| 35 | 2028-02 | 432.71 | 16.04 | 416.67 | 5416.67 |
| 36 | 2028-03 | 431.56 | 14.90 | 416.67 | 5000.00 |
| 37 | 2028-04 | 430.42 | 13.75 | 416.67 | 4583.33 |
| 38 | 2028-05 | 429.27 | 12.60 | 416.67 | 4166.67 |
| 39 | 2028-06 | 428.13 | 11.46 | 416.67 | 3750.00 |
| 40 | 2028-07 | 426.98 | 10.31 | 416.67 | 3333.33 |
| 41 | 2028-08 | 425.83 | 9.17 | 416.67 | 2916.67 |
| 42 | 2028-09 | 424.69 | 8.02 | 416.67 | 2500.00 |
| 43 | 2028-10 | 423.54 | 6.88 | 416.67 | 2083.33 |
| 44 | 2028-11 | 422.40 | 5.73 | 416.67 | 1666.67 |
| 45 | 2028-12 | 421.25 | 4.58 | 416.67 | 1250.00 |
| 46 | 2029-01 | 420.10 | 3.44 | 416.67 | 833.33 |
| 47 | 2029-02 | 418.96 | 2.29 | 416.67 | 416.67 |
| 48 | 2029-03 | 417.81 | 1.15 | 416.67 | 0.00 |