贷款3.6万（商业贷款）房贷，还款2年10个月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：3.6万
还款月数：2年10个月
每月还款：1112.94元
利息总额：1839.84元
本息合计：3.78万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 1112.94 | 103.50 | 1009.44 | 34990.56 |
| 2 | 2025-04 | 1112.94 | 100.60 | 1012.34 | 33978.22 |
| 3 | 2025-05 | 1112.94 | 97.69 | 1015.25 | 32962.98 |
| 4 | 2025-06 | 1112.94 | 94.77 | 1018.17 | 31944.81 |
| 5 | 2025-07 | 1112.94 | 91.84 | 1021.10 | 30923.71 |
| 6 | 2025-08 | 1112.94 | 88.91 | 1024.03 | 29899.68 |
| 7 | 2025-09 | 1112.94 | 85.96 | 1026.98 | 28872.71 |
| 8 | 2025-10 | 1112.94 | 83.01 | 1029.93 | 27842.78 |
| 9 | 2025-11 | 1112.94 | 80.05 | 1032.89 | 26809.89 |
| 10 | 2025-12 | 1112.94 | 77.08 | 1035.86 | 25774.03 |
| 11 | 2026-01 | 1112.94 | 74.10 | 1038.84 | 24735.20 |
| 12 | 2026-02 | 1112.94 | 71.11 | 1041.82 | 23693.37 |
| 13 | 2026-03 | 1112.94 | 68.12 | 1044.82 | 22648.55 |
| 14 | 2026-04 | 1112.94 | 65.11 | 1047.82 | 21600.73 |
| 15 | 2026-05 | 1112.94 | 62.10 | 1050.83 | 20549.90 |
| 16 | 2026-06 | 1112.94 | 59.08 | 1053.86 | 19496.04 |
| 17 | 2026-07 | 1112.94 | 56.05 | 1056.89 | 18439.16 |
| 18 | 2026-08 | 1112.94 | 53.01 | 1059.92 | 17379.23 |
| 19 | 2026-09 | 1112.94 | 49.97 | 1062.97 | 16316.26 |
| 20 | 2026-10 | 1112.94 | 46.91 | 1066.03 | 15250.23 |
| 21 | 2026-11 | 1112.94 | 43.84 | 1069.09 | 14181.14 |
| 22 | 2026-12 | 1112.94 | 40.77 | 1072.17 | 13108.98 |
| 23 | 2027-01 | 1112.94 | 37.69 | 1075.25 | 12033.73 |
| 24 | 2027-02 | 1112.94 | 34.60 | 1078.34 | 10955.39 |
| 25 | 2027-03 | 1112.94 | 31.50 | 1081.44 | 9873.95 |
| 26 | 2027-04 | 1112.94 | 28.39 | 1084.55 | 8789.40 |
| 27 | 2027-05 | 1112.94 | 25.27 | 1087.67 | 7701.73 |
| 28 | 2027-06 | 1112.94 | 22.14 | 1090.79 | 6610.94 |
| 29 | 2027-07 | 1112.94 | 19.01 | 1093.93 | 5517.01 |
| 30 | 2027-08 | 1112.94 | 15.86 | 1097.08 | 4419.93 |
| 31 | 2027-09 | 1112.94 | 12.71 | 1100.23 | 3319.70 |
| 32 | 2027-10 | 1112.94 | 9.54 | 1103.39 | 2216.31 |
| 33 | 2027-11 | 1112.94 | 6.37 | 1106.56 | 1109.75 |
| 34 | 2027-12 | 1112.94 | 3.19 | 1109.75 | 0.00 |
等额本金还款方式：
贷款总额：3.6万
还款月数：2年10个月
首月还款：1162.32元
每月递减：3.04元
利息总额：1811.25元
本息合计：3.78万
节省利息：28.59元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 1162.32 | 103.50 | 1058.82 | 34941.18 |
| 2 | 2025-04 | 1159.28 | 100.46 | 1058.82 | 33882.35 |
| 3 | 2025-05 | 1156.24 | 97.41 | 1058.82 | 32823.53 |
| 4 | 2025-06 | 1153.19 | 94.37 | 1058.82 | 31764.71 |
| 5 | 2025-07 | 1150.15 | 91.32 | 1058.82 | 30705.88 |
| 6 | 2025-08 | 1147.10 | 88.28 | 1058.82 | 29647.06 |
| 7 | 2025-09 | 1144.06 | 85.24 | 1058.82 | 28588.24 |
| 8 | 2025-10 | 1141.01 | 82.19 | 1058.82 | 27529.41 |
| 9 | 2025-11 | 1137.97 | 79.15 | 1058.82 | 26470.59 |
| 10 | 2025-12 | 1134.93 | 76.10 | 1058.82 | 25411.76 |
| 11 | 2026-01 | 1131.88 | 73.06 | 1058.82 | 24352.94 |
| 12 | 2026-02 | 1128.84 | 70.01 | 1058.82 | 23294.12 |
| 13 | 2026-03 | 1125.79 | 66.97 | 1058.82 | 22235.29 |
| 14 | 2026-04 | 1122.75 | 63.93 | 1058.82 | 21176.47 |
| 15 | 2026-05 | 1119.71 | 60.88 | 1058.82 | 20117.65 |
| 16 | 2026-06 | 1116.66 | 57.84 | 1058.82 | 19058.82 |
| 17 | 2026-07 | 1113.62 | 54.79 | 1058.82 | 18000.00 |
| 18 | 2026-08 | 1110.57 | 51.75 | 1058.82 | 16941.18 |
| 19 | 2026-09 | 1107.53 | 48.71 | 1058.82 | 15882.35 |
| 20 | 2026-10 | 1104.49 | 45.66 | 1058.82 | 14823.53 |
| 21 | 2026-11 | 1101.44 | 42.62 | 1058.82 | 13764.71 |
| 22 | 2026-12 | 1098.40 | 39.57 | 1058.82 | 12705.88 |
| 23 | 2027-01 | 1095.35 | 36.53 | 1058.82 | 11647.06 |
| 24 | 2027-02 | 1092.31 | 33.49 | 1058.82 | 10588.24 |
| 25 | 2027-03 | 1089.26 | 30.44 | 1058.82 | 9529.41 |
| 26 | 2027-04 | 1086.22 | 27.40 | 1058.82 | 8470.59 |
| 27 | 2027-05 | 1083.18 | 24.35 | 1058.82 | 7411.76 |
| 28 | 2027-06 | 1080.13 | 21.31 | 1058.82 | 6352.94 |
| 29 | 2027-07 | 1077.09 | 18.26 | 1058.82 | 5294.12 |
| 30 | 2027-08 | 1074.04 | 15.22 | 1058.82 | 4235.29 |
| 31 | 2027-09 | 1071.00 | 12.18 | 1058.82 | 3176.47 |
| 32 | 2027-10 | 1067.96 | 9.13 | 1058.82 | 2117.65 |
| 33 | 2027-11 | 1064.91 | 6.09 | 1058.82 | 1058.82 |
| 34 | 2027-12 | 1061.87 | 3.04 | 1058.82 | 0.00 |