深圳贷款350元（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：350元
还款月数：3年
每月还款：10.2元
利息总额：17.26元
本息合计：367.26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 | 10.20 | 0.92 | 9.28 | 340.72 |
| 2 | 2025-04 | 10.20 | 0.89 | 9.31 | 331.41 |
| 3 | 2025-05 | 10.20 | 0.87 | 9.33 | 322.08 |
| 4 | 2025-06 | 10.20 | 0.85 | 9.36 | 312.72 |
| 5 | 2025-07 | 10.20 | 0.82 | 9.38 | 303.34 |
| 6 | 2025-08 | 10.20 | 0.80 | 9.41 | 293.94 |
| 7 | 2025-09 | 10.20 | 0.77 | 9.43 | 284.51 |
| 8 | 2025-10 | 10.20 | 0.75 | 9.45 | 275.05 |
| 9 | 2025-11 | 10.20 | 0.72 | 9.48 | 265.57 |
| 10 | 2025-12 | 10.20 | 0.70 | 9.50 | 256.07 |
| 11 | 2026-01 | 10.20 | 0.67 | 9.53 | 246.54 |
| 12 | 2026-02 | 10.20 | 0.65 | 9.55 | 236.98 |
| 13 | 2026-03 | 10.20 | 0.62 | 9.58 | 227.40 |
| 14 | 2026-04 | 10.20 | 0.60 | 9.60 | 217.80 |
| 15 | 2026-05 | 10.20 | 0.57 | 9.63 | 208.17 |
| 16 | 2026-06 | 10.20 | 0.55 | 9.66 | 198.51 |
| 17 | 2026-07 | 10.20 | 0.52 | 9.68 | 188.83 |
| 18 | 2026-08 | 10.20 | 0.50 | 9.71 | 179.13 |
| 19 | 2026-09 | 10.20 | 0.47 | 9.73 | 169.40 |
| 20 | 2026-10 | 10.20 | 0.44 | 9.76 | 159.64 |
| 21 | 2026-11 | 10.20 | 0.42 | 9.78 | 149.86 |
| 22 | 2026-12 | 10.20 | 0.39 | 9.81 | 140.05 |
| 23 | 2027-01 | 10.20 | 0.37 | 9.83 | 130.22 |
| 24 | 2027-02 | 10.20 | 0.34 | 9.86 | 120.36 |
| 25 | 2027-03 | 10.20 | 0.32 | 9.89 | 110.47 |
| 26 | 2027-04 | 10.20 | 0.29 | 9.91 | 100.56 |
| 27 | 2027-05 | 10.20 | 0.26 | 9.94 | 90.62 |
| 28 | 2027-06 | 10.20 | 0.24 | 9.96 | 80.66 |
| 29 | 2027-07 | 10.20 | 0.21 | 9.99 | 70.67 |
| 30 | 2027-08 | 10.20 | 0.19 | 10.02 | 60.65 |
| 31 | 2027-09 | 10.20 | 0.16 | 10.04 | 50.61 |
| 32 | 2027-10 | 10.20 | 0.13 | 10.07 | 40.54 |
| 33 | 2027-11 | 10.20 | 0.11 | 10.10 | 30.44 |
| 34 | 2027-12 | 10.20 | 0.08 | 10.12 | 20.32 |
| 35 | 2028-01 | 10.20 | 0.05 | 10.15 | 10.17 |
| 36 | 2028-02 | 10.20 | 0.03 | 10.17 | 0.00 |
等额本金还款方式：
贷款总额：350元
还款月数：3年
首月还款：10.64元
每月递减：0.03元
利息总额：17元
本息合计：367元
节省利息：0.26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 | 10.64 | 0.92 | 9.72 | 340.28 |
| 2 | 2025-04 | 10.62 | 0.89 | 9.72 | 330.56 |
| 3 | 2025-05 | 10.59 | 0.87 | 9.72 | 320.83 |
| 4 | 2025-06 | 10.56 | 0.84 | 9.72 | 311.11 |
| 5 | 2025-07 | 10.54 | 0.82 | 9.72 | 301.39 |
| 6 | 2025-08 | 10.51 | 0.79 | 9.72 | 291.67 |
| 7 | 2025-09 | 10.49 | 0.77 | 9.72 | 281.94 |
| 8 | 2025-10 | 10.46 | 0.74 | 9.72 | 272.22 |
| 9 | 2025-11 | 10.44 | 0.71 | 9.72 | 262.50 |
| 10 | 2025-12 | 10.41 | 0.69 | 9.72 | 252.78 |
| 11 | 2026-01 | 10.39 | 0.66 | 9.72 | 243.06 |
| 12 | 2026-02 | 10.36 | 0.64 | 9.72 | 233.33 |
| 13 | 2026-03 | 10.33 | 0.61 | 9.72 | 223.61 |
| 14 | 2026-04 | 10.31 | 0.59 | 9.72 | 213.89 |
| 15 | 2026-05 | 10.28 | 0.56 | 9.72 | 204.17 |
| 16 | 2026-06 | 10.26 | 0.54 | 9.72 | 194.44 |
| 17 | 2026-07 | 10.23 | 0.51 | 9.72 | 184.72 |
| 18 | 2026-08 | 10.21 | 0.48 | 9.72 | 175.00 |
| 19 | 2026-09 | 10.18 | 0.46 | 9.72 | 165.28 |
| 20 | 2026-10 | 10.16 | 0.43 | 9.72 | 155.56 |
| 21 | 2026-11 | 10.13 | 0.41 | 9.72 | 145.83 |
| 22 | 2026-12 | 10.11 | 0.38 | 9.72 | 136.11 |
| 23 | 2027-01 | 10.08 | 0.36 | 9.72 | 126.39 |
| 24 | 2027-02 | 10.05 | 0.33 | 9.72 | 116.67 |
| 25 | 2027-03 | 10.03 | 0.31 | 9.72 | 106.94 |
| 26 | 2027-04 | 10.00 | 0.28 | 9.72 | 97.22 |
| 27 | 2027-05 | 9.98 | 0.26 | 9.72 | 87.50 |
| 28 | 2027-06 | 9.95 | 0.23 | 9.72 | 77.78 |
| 29 | 2027-07 | 9.93 | 0.20 | 9.72 | 68.06 |
| 30 | 2027-08 | 9.90 | 0.18 | 9.72 | 58.33 |
| 31 | 2027-09 | 9.88 | 0.15 | 9.72 | 48.61 |
| 32 | 2027-10 | 9.85 | 0.13 | 9.72 | 38.89 |
| 33 | 2027-11 | 9.82 | 0.10 | 9.72 | 29.17 |
| 34 | 2027-12 | 9.80 | 0.08 | 9.72 | 19.44 |
| 35 | 2028-01 | 9.77 | 0.05 | 9.72 | 9.72 |
| 36 | 2028-02 | 9.75 | 0.03 | 9.72 | 0.00 |