扬州贷款35万（商业贷款）房贷，还款5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：35万
还款月数：5年
每月还款：6265.74元
利息总额：2.59万
本息合计：37.59万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 6265.74 | 831.25 | 5434.49 | 344565.51 |
| 2 | 2025-06 | 6265.74 | 818.34 | 5447.40 | 339118.12 |
| 3 | 2025-07 | 6265.74 | 805.41 | 5460.33 | 333657.78 |
| 4 | 2025-08 | 6265.74 | 792.44 | 5473.30 | 328184.48 |
| 5 | 2025-09 | 6265.74 | 779.44 | 5486.30 | 322698.18 |
| 6 | 2025-10 | 6265.74 | 766.41 | 5499.33 | 317198.85 |
| 7 | 2025-11 | 6265.74 | 753.35 | 5512.39 | 311686.46 |
| 8 | 2025-12 | 6265.74 | 740.26 | 5525.48 | 306160.97 |
| 9 | 2026-01 | 6265.74 | 727.13 | 5538.61 | 300622.37 |
| 10 | 2026-02 | 6265.74 | 713.98 | 5551.76 | 295070.61 |
| 11 | 2026-03 | 6265.74 | 700.79 | 5564.95 | 289505.66 |
| 12 | 2026-04 | 6265.74 | 687.58 | 5578.16 | 283927.50 |
| 13 | 2026-05 | 6265.74 | 674.33 | 5591.41 | 278336.09 |
| 14 | 2026-06 | 6265.74 | 661.05 | 5604.69 | 272731.40 |
| 15 | 2026-07 | 6265.74 | 647.74 | 5618.00 | 267113.40 |
| 16 | 2026-08 | 6265.74 | 634.39 | 5631.34 | 261482.05 |
| 17 | 2026-09 | 6265.74 | 621.02 | 5644.72 | 255837.33 |
| 18 | 2026-10 | 6265.74 | 607.61 | 5658.13 | 250179.21 |
| 19 | 2026-11 | 6265.74 | 594.18 | 5671.56 | 244507.64 |
| 20 | 2026-12 | 6265.74 | 580.71 | 5685.03 | 238822.61 |
| 21 | 2027-01 | 6265.74 | 567.20 | 5698.54 | 233124.08 |
| 22 | 2027-02 | 6265.74 | 553.67 | 5712.07 | 227412.01 |
| 23 | 2027-03 | 6265.74 | 540.10 | 5725.64 | 221686.37 |
| 24 | 2027-04 | 6265.74 | 526.51 | 5739.23 | 215947.14 |
| 25 | 2027-05 | 6265.74 | 512.87 | 5752.86 | 210194.27 |
| 26 | 2027-06 | 6265.74 | 499.21 | 5766.53 | 204427.75 |
| 27 | 2027-07 | 6265.74 | 485.52 | 5780.22 | 198647.52 |
| 28 | 2027-08 | 6265.74 | 471.79 | 5793.95 | 192853.57 |
| 29 | 2027-09 | 6265.74 | 458.03 | 5807.71 | 187045.86 |
| 30 | 2027-10 | 6265.74 | 444.23 | 5821.50 | 181224.36 |
| 31 | 2027-11 | 6265.74 | 430.41 | 5835.33 | 175389.03 |
| 32 | 2027-12 | 6265.74 | 416.55 | 5849.19 | 169539.84 |
| 33 | 2028-01 | 6265.74 | 402.66 | 5863.08 | 163676.75 |
| 34 | 2028-02 | 6265.74 | 388.73 | 5877.01 | 157799.75 |
| 35 | 2028-03 | 6265.74 | 374.77 | 5890.96 | 151908.78 |
| 36 | 2028-04 | 6265.74 | 360.78 | 5904.96 | 146003.83 |
| 37 | 2028-05 | 6265.74 | 346.76 | 5918.98 | 140084.85 |
| 38 | 2028-06 | 6265.74 | 332.70 | 5933.04 | 134151.81 |
| 39 | 2028-07 | 6265.74 | 318.61 | 5947.13 | 128204.68 |
| 40 | 2028-08 | 6265.74 | 304.49 | 5961.25 | 122243.43 |
| 41 | 2028-09 | 6265.74 | 290.33 | 5975.41 | 116268.02 |
| 42 | 2028-10 | 6265.74 | 276.14 | 5989.60 | 110278.42 |
| 43 | 2028-11 | 6265.74 | 261.91 | 6003.83 | 104274.59 |
| 44 | 2028-12 | 6265.74 | 247.65 | 6018.09 | 98256.50 |
| 45 | 2029-01 | 6265.74 | 233.36 | 6032.38 | 92224.12 |
| 46 | 2029-02 | 6265.74 | 219.03 | 6046.71 | 86177.42 |
| 47 | 2029-03 | 6265.74 | 204.67 | 6061.07 | 80116.35 |
| 48 | 2029-04 | 6265.74 | 190.28 | 6075.46 | 74040.89 |
| 49 | 2029-05 | 6265.74 | 175.85 | 6089.89 | 67951.00 |
| 50 | 2029-06 | 6265.74 | 161.38 | 6104.36 | 61846.64 |
| 51 | 2029-07 | 6265.74 | 146.89 | 6118.85 | 55727.79 |
| 52 | 2029-08 | 6265.74 | 132.35 | 6133.39 | 49594.40 |
| 53 | 2029-09 | 6265.74 | 117.79 | 6147.95 | 43446.45 |
| 54 | 2029-10 | 6265.74 | 103.19 | 6162.55 | 37283.90 |
| 55 | 2029-11 | 6265.74 | 88.55 | 6177.19 | 31106.71 |
| 56 | 2029-12 | 6265.74 | 73.88 | 6191.86 | 24914.85 |
| 57 | 2030-01 | 6265.74 | 59.17 | 6206.57 | 18708.28 |
| 58 | 2030-02 | 6265.74 | 44.43 | 6221.31 | 12486.98 |
| 59 | 2030-03 | 6265.74 | 29.66 | 6236.08 | 6250.89 |
| 60 | 2030-04 | 6265.74 | 14.85 | 6250.89 | 0.00 |
等额本金还款方式：
贷款总额：35万
还款月数：5年
首月还款：6664.58元
每月递减：13.85元
利息总额：2.54万
本息合计：37.54万
节省利息：591.2元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 6664.58 | 831.25 | 5833.33 | 344166.67 |
| 2 | 2025-06 | 6650.73 | 817.40 | 5833.33 | 338333.33 |
| 3 | 2025-07 | 6636.88 | 803.54 | 5833.33 | 332500.00 |
| 4 | 2025-08 | 6623.02 | 789.69 | 5833.33 | 326666.67 |
| 5 | 2025-09 | 6609.17 | 775.83 | 5833.33 | 320833.33 |
| 6 | 2025-10 | 6595.31 | 761.98 | 5833.33 | 315000.00 |
| 7 | 2025-11 | 6581.46 | 748.13 | 5833.33 | 309166.67 |
| 8 | 2025-12 | 6567.60 | 734.27 | 5833.33 | 303333.33 |
| 9 | 2026-01 | 6553.75 | 720.42 | 5833.33 | 297500.00 |
| 10 | 2026-02 | 6539.90 | 706.56 | 5833.33 | 291666.67 |
| 11 | 2026-03 | 6526.04 | 692.71 | 5833.33 | 285833.33 |
| 12 | 2026-04 | 6512.19 | 678.85 | 5833.33 | 280000.00 |
| 13 | 2026-05 | 6498.33 | 665.00 | 5833.33 | 274166.67 |
| 14 | 2026-06 | 6484.48 | 651.15 | 5833.33 | 268333.33 |
| 15 | 2026-07 | 6470.63 | 637.29 | 5833.33 | 262500.00 |
| 16 | 2026-08 | 6456.77 | 623.44 | 5833.33 | 256666.67 |
| 17 | 2026-09 | 6442.92 | 609.58 | 5833.33 | 250833.33 |
| 18 | 2026-10 | 6429.06 | 595.73 | 5833.33 | 245000.00 |
| 19 | 2026-11 | 6415.21 | 581.88 | 5833.33 | 239166.67 |
| 20 | 2026-12 | 6401.35 | 568.02 | 5833.33 | 233333.33 |
| 21 | 2027-01 | 6387.50 | 554.17 | 5833.33 | 227500.00 |
| 22 | 2027-02 | 6373.65 | 540.31 | 5833.33 | 221666.67 |
| 23 | 2027-03 | 6359.79 | 526.46 | 5833.33 | 215833.33 |
| 24 | 2027-04 | 6345.94 | 512.60 | 5833.33 | 210000.00 |
| 25 | 2027-05 | 6332.08 | 498.75 | 5833.33 | 204166.67 |
| 26 | 2027-06 | 6318.23 | 484.90 | 5833.33 | 198333.33 |
| 27 | 2027-07 | 6304.38 | 471.04 | 5833.33 | 192500.00 |
| 28 | 2027-08 | 6290.52 | 457.19 | 5833.33 | 186666.67 |
| 29 | 2027-09 | 6276.67 | 443.33 | 5833.33 | 180833.33 |
| 30 | 2027-10 | 6262.81 | 429.48 | 5833.33 | 175000.00 |
| 31 | 2027-11 | 6248.96 | 415.63 | 5833.33 | 169166.67 |
| 32 | 2027-12 | 6235.10 | 401.77 | 5833.33 | 163333.33 |
| 33 | 2028-01 | 6221.25 | 387.92 | 5833.33 | 157500.00 |
| 34 | 2028-02 | 6207.40 | 374.06 | 5833.33 | 151666.67 |
| 35 | 2028-03 | 6193.54 | 360.21 | 5833.33 | 145833.33 |
| 36 | 2028-04 | 6179.69 | 346.35 | 5833.33 | 140000.00 |
| 37 | 2028-05 | 6165.83 | 332.50 | 5833.33 | 134166.67 |
| 38 | 2028-06 | 6151.98 | 318.65 | 5833.33 | 128333.33 |
| 39 | 2028-07 | 6138.13 | 304.79 | 5833.33 | 122500.00 |
| 40 | 2028-08 | 6124.27 | 290.94 | 5833.33 | 116666.67 |
| 41 | 2028-09 | 6110.42 | 277.08 | 5833.33 | 110833.33 |
| 42 | 2028-10 | 6096.56 | 263.23 | 5833.33 | 105000.00 |
| 43 | 2028-11 | 6082.71 | 249.38 | 5833.33 | 99166.67 |
| 44 | 2028-12 | 6068.85 | 235.52 | 5833.33 | 93333.33 |
| 45 | 2029-01 | 6055.00 | 221.67 | 5833.33 | 87500.00 |
| 46 | 2029-02 | 6041.15 | 207.81 | 5833.33 | 81666.67 |
| 47 | 2029-03 | 6027.29 | 193.96 | 5833.33 | 75833.33 |
| 48 | 2029-04 | 6013.44 | 180.10 | 5833.33 | 70000.00 |
| 49 | 2029-05 | 5999.58 | 166.25 | 5833.33 | 64166.67 |
| 50 | 2029-06 | 5985.73 | 152.40 | 5833.33 | 58333.33 |
| 51 | 2029-07 | 5971.88 | 138.54 | 5833.33 | 52500.00 |
| 52 | 2029-08 | 5958.02 | 124.69 | 5833.33 | 46666.67 |
| 53 | 2029-09 | 5944.17 | 110.83 | 5833.33 | 40833.33 |
| 54 | 2029-10 | 5930.31 | 96.98 | 5833.33 | 35000.00 |
| 55 | 2029-11 | 5916.46 | 83.13 | 5833.33 | 29166.67 |
| 56 | 2029-12 | 5902.60 | 69.27 | 5833.33 | 23333.33 |
| 57 | 2030-01 | 5888.75 | 55.42 | 5833.33 | 17500.00 |
| 58 | 2030-02 | 5874.90 | 41.56 | 5833.33 | 11666.67 |
| 59 | 2030-03 | 5861.04 | 27.71 | 5833.33 | 5833.33 |
| 60 | 2030-04 | 5847.19 | 13.85 | 5833.33 | 0.00 |