佛山贷款134万（商业贷款）房贷，还款2年6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：134万
还款月数：2年6个月
每月还款：46447.93元
利息总额：5.34万
本息合计：139.34万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 46447.93 | 3405.83 | 43042.10 | 1296957.90 |
| 2 | 2025-04 | 46447.93 | 3296.43 | 43151.50 | 1253806.40 |
| 3 | 2025-05 | 46447.93 | 3186.76 | 43261.18 | 1210545.22 |
| 4 | 2025-06 | 46447.93 | 3076.80 | 43371.13 | 1167174.09 |
| 5 | 2025-07 | 46447.93 | 2966.57 | 43481.37 | 1123692.72 |
| 6 | 2025-08 | 46447.93 | 2856.05 | 43591.88 | 1080100.84 |
| 7 | 2025-09 | 46447.93 | 2745.26 | 43702.68 | 1036398.16 |
| 8 | 2025-10 | 46447.93 | 2634.18 | 43813.76 | 992584.40 |
| 9 | 2025-11 | 46447.93 | 2522.82 | 43925.12 | 948659.29 |
| 10 | 2025-12 | 46447.93 | 2411.18 | 44036.76 | 904622.53 |
| 11 | 2026-01 | 46447.93 | 2299.25 | 44148.69 | 860473.84 |
| 12 | 2026-02 | 46447.93 | 2187.04 | 44260.90 | 816212.95 |
| 13 | 2026-03 | 46447.93 | 2074.54 | 44373.39 | 771839.55 |
| 14 | 2026-04 | 46447.93 | 1961.76 | 44486.18 | 727353.38 |
| 15 | 2026-05 | 46447.93 | 1848.69 | 44599.25 | 682754.13 |
| 16 | 2026-06 | 46447.93 | 1735.33 | 44712.60 | 638041.53 |
| 17 | 2026-07 | 46447.93 | 1621.69 | 44826.25 | 593215.28 |
| 18 | 2026-08 | 46447.93 | 1507.76 | 44940.18 | 548275.10 |
| 19 | 2026-09 | 46447.93 | 1393.53 | 45054.40 | 503220.70 |
| 20 | 2026-10 | 46447.93 | 1279.02 | 45168.92 | 458051.79 |
| 21 | 2026-11 | 46447.93 | 1164.21 | 45283.72 | 412768.07 |
| 22 | 2026-12 | 46447.93 | 1049.12 | 45398.82 | 367369.25 |
| 23 | 2027-01 | 46447.93 | 933.73 | 45514.20 | 321855.05 |
| 24 | 2027-02 | 46447.93 | 818.05 | 45629.89 | 276225.16 |
| 25 | 2027-03 | 46447.93 | 702.07 | 45745.86 | 230479.30 |
| 26 | 2027-04 | 46447.93 | 585.80 | 45862.13 | 184617.16 |
| 27 | 2027-05 | 46447.93 | 469.24 | 45978.70 | 138638.46 |
| 28 | 2027-06 | 46447.93 | 352.37 | 46095.56 | 92542.90 |
| 29 | 2027-07 | 46447.93 | 235.21 | 46212.72 | 46330.18 |
| 30 | 2027-08 | 46447.93 | 117.76 | 46330.18 | 0.00 |
等额本金还款方式：
贷款总额：134万
还款月数：2年6个月
首月还款：48072.5元
每月递减：113.53元
利息总额：5.28万
本息合计：139.28万
节省利息：647.63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 | 48072.50 | 3405.83 | 44666.67 | 1295333.33 |
| 2 | 2025-04 | 47958.97 | 3292.31 | 44666.67 | 1250666.67 |
| 3 | 2025-05 | 47845.44 | 3178.78 | 44666.67 | 1206000.00 |
| 4 | 2025-06 | 47731.92 | 3065.25 | 44666.67 | 1161333.33 |
| 5 | 2025-07 | 47618.39 | 2951.72 | 44666.67 | 1116666.67 |
| 6 | 2025-08 | 47504.86 | 2838.19 | 44666.67 | 1072000.00 |
| 7 | 2025-09 | 47391.33 | 2724.67 | 44666.67 | 1027333.33 |
| 8 | 2025-10 | 47277.81 | 2611.14 | 44666.67 | 982666.67 |
| 9 | 2025-11 | 47164.28 | 2497.61 | 44666.67 | 938000.00 |
| 10 | 2025-12 | 47050.75 | 2384.08 | 44666.67 | 893333.33 |
| 11 | 2026-01 | 46937.22 | 2270.56 | 44666.67 | 848666.67 |
| 12 | 2026-02 | 46823.69 | 2157.03 | 44666.67 | 804000.00 |
| 13 | 2026-03 | 46710.17 | 2043.50 | 44666.67 | 759333.33 |
| 14 | 2026-04 | 46596.64 | 1929.97 | 44666.67 | 714666.67 |
| 15 | 2026-05 | 46483.11 | 1816.44 | 44666.67 | 670000.00 |
| 16 | 2026-06 | 46369.58 | 1702.92 | 44666.67 | 625333.33 |
| 17 | 2026-07 | 46256.06 | 1589.39 | 44666.67 | 580666.67 |
| 18 | 2026-08 | 46142.53 | 1475.86 | 44666.67 | 536000.00 |
| 19 | 2026-09 | 46029.00 | 1362.33 | 44666.67 | 491333.33 |
| 20 | 2026-10 | 45915.47 | 1248.81 | 44666.67 | 446666.67 |
| 21 | 2026-11 | 45801.94 | 1135.28 | 44666.67 | 402000.00 |
| 22 | 2026-12 | 45688.42 | 1021.75 | 44666.67 | 357333.33 |
| 23 | 2027-01 | 45574.89 | 908.22 | 44666.67 | 312666.67 |
| 24 | 2027-02 | 45461.36 | 794.69 | 44666.67 | 268000.00 |
| 25 | 2027-03 | 45347.83 | 681.17 | 44666.67 | 223333.33 |
| 26 | 2027-04 | 45234.31 | 567.64 | 44666.67 | 178666.67 |
| 27 | 2027-05 | 45120.78 | 454.11 | 44666.67 | 134000.00 |
| 28 | 2027-06 | 45007.25 | 340.58 | 44666.67 | 89333.33 |
| 29 | 2027-07 | 44893.72 | 227.06 | 44666.67 | 44666.67 |
| 30 | 2027-08 | 44780.19 | 113.53 | 44666.67 | 0.00 |