柳州贷款8.8万（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：8.8万
还款月数：5年
每月还款：1632.59元
利息总额：9955.69元
本息合计：9.8万
| 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 | 1632.59 | 315.33 | 1317.26 | 86682.74 |
| 2 | 2025-05 | 1632.59 | 310.61 | 1321.98 | 85360.76 |
| 3 | 2025-06 | 1632.59 | 305.88 | 1326.72 | 84034.04 |
| 4 | 2025-07 | 1632.59 | 301.12 | 1331.47 | 82702.57 |
| 5 | 2025-08 | 1632.59 | 296.35 | 1336.24 | 81366.32 |
| 6 | 2025-09 | 1632.59 | 291.56 | 1341.03 | 80025.29 |
| 7 | 2025-10 | 1632.59 | 286.76 | 1345.84 | 78679.45 |
| 8 | 2025-11 | 1632.59 | 281.93 | 1350.66 | 77328.79 |
| 9 | 2025-12 | 1632.59 | 277.09 | 1355.50 | 75973.29 |
| 10 | 2026-01 | 1632.59 | 272.24 | 1360.36 | 74612.93 |
| 11 | 2026-02 | 1632.59 | 267.36 | 1365.23 | 73247.70 |
| 12 | 2026-03 | 1632.59 | 262.47 | 1370.12 | 71877.58 |
| 13 | 2026-04 | 1632.59 | 257.56 | 1375.03 | 70502.54 |
| 14 | 2026-05 | 1632.59 | 252.63 | 1379.96 | 69122.58 |
| 15 | 2026-06 | 1632.59 | 247.69 | 1384.91 | 67737.68 |
| 16 | 2026-07 | 1632.59 | 242.73 | 1389.87 | 66347.81 |
| 17 | 2026-08 | 1632.59 | 237.75 | 1394.85 | 64952.96 |
| 18 | 2026-09 | 1632.59 | 232.75 | 1399.85 | 63553.12 |
| 19 | 2026-10 | 1632.59 | 227.73 | 1404.86 | 62148.25 |
| 20 | 2026-11 | 1632.59 | 222.70 | 1409.90 | 60738.36 |
| 21 | 2026-12 | 1632.59 | 217.65 | 1414.95 | 59323.41 |
| 22 | 2027-01 | 1632.59 | 212.58 | 1420.02 | 57903.39 |
| 23 | 2027-02 | 1632.59 | 207.49 | 1425.11 | 56478.28 |
| 24 | 2027-03 | 1632.59 | 202.38 | 1430.21 | 55048.06 |
| 25 | 2027-04 | 1632.59 | 197.26 | 1435.34 | 53612.73 |
| 26 | 2027-05 | 1632.59 | 192.11 | 1440.48 | 52172.24 |
| 27 | 2027-06 | 1632.59 | 186.95 | 1445.64 | 50726.60 |
| 28 | 2027-07 | 1632.59 | 181.77 | 1450.82 | 49275.77 |
| 29 | 2027-08 | 1632.59 | 176.57 | 1456.02 | 47819.75 |
| 30 | 2027-09 | 1632.59 | 171.35 | 1461.24 | 46358.51 |
| 31 | 2027-10 | 1632.59 | 166.12 | 1466.48 | 44892.03 |
| 32 | 2027-11 | 1632.59 | 160.86 | 1471.73 | 43420.30 |
| 33 | 2027-12 | 1632.59 | 155.59 | 1477.01 | 41943.30 |
| 34 | 2028-01 | 1632.59 | 150.30 | 1482.30 | 40461.00 |
| 35 | 2028-02 | 1632.59 | 144.99 | 1487.61 | 38973.39 |
| 36 | 2028-03 | 1632.59 | 139.65 | 1492.94 | 37480.45 |
| 37 | 2028-04 | 1632.59 | 134.30 | 1498.29 | 35982.16 |
| 38 | 2028-05 | 1632.59 | 128.94 | 1503.66 | 34478.50 |
| 39 | 2028-06 | 1632.59 | 123.55 | 1509.05 | 32969.45 |
| 40 | 2028-07 | 1632.59 | 118.14 | 1514.45 | 31455.00 |
| 41 | 2028-08 | 1632.59 | 112.71 | 1519.88 | 29935.12 |
| 42 | 2028-09 | 1632.59 | 107.27 | 1525.33 | 28409.79 |
| 43 | 2028-10 | 1632.59 | 101.80 | 1530.79 | 26879.00 |
| 44 | 2028-11 | 1632.59 | 96.32 | 1536.28 | 25342.72 |
| 45 | 2028-12 | 1632.59 | 90.81 | 1541.78 | 23800.93 |
| 46 | 2029-01 | 1632.59 | 85.29 | 1547.31 | 22253.63 |
| 47 | 2029-02 | 1632.59 | 79.74 | 1552.85 | 20700.77 |
| 48 | 2029-03 | 1632.59 | 74.18 | 1558.42 | 19142.36 |
| 49 | 2029-04 | 1632.59 | 68.59 | 1564.00 | 17578.36 |
| 50 | 2029-05 | 1632.59 | 62.99 | 1569.61 | 16008.75 |
| 51 | 2029-06 | 1632.59 | 57.36 | 1575.23 | 14433.52 |
| 52 | 2029-07 | 1632.59 | 51.72 | 1580.87 | 12852.64 |
| 53 | 2029-08 | 1632.59 | 46.06 | 1586.54 | 11266.11 |
| 54 | 2029-09 | 1632.59 | 40.37 | 1592.22 | 9673.88 |
| 55 | 2029-10 | 1632.59 | 34.66 | 1597.93 | 8075.95 |
| 56 | 2029-11 | 1632.59 | 28.94 | 1603.66 | 6472.29 |
| 57 | 2029-12 | 1632.59 | 23.19 | 1609.40 | 4862.89 |
| 58 | 2030-01 | 1632.59 | 17.43 | 1615.17 | 3247.72 |
| 59 | 2030-02 | 1632.59 | 11.64 | 1620.96 | 1626.77 |
| 60 | 2030-03 | 1632.59 | 5.83 | 1626.77 | 0.00 |
等额本金还款方式：
贷款总额：8.8万
还款月数：5年
首月还款：1782元
每月递减：5.26元
利息总额：9617.67元
本息合计：9.76万
节省利息：338.02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 | 1782.00 | 315.33 | 1466.67 | 86533.33 |
| 2 | 2025-05 | 1776.74 | 310.08 | 1466.67 | 85066.67 |
| 3 | 2025-06 | 1771.49 | 304.82 | 1466.67 | 83600.00 |
| 4 | 2025-07 | 1766.23 | 299.57 | 1466.67 | 82133.33 |
| 5 | 2025-08 | 1760.98 | 294.31 | 1466.67 | 80666.67 |
| 6 | 2025-09 | 1755.72 | 289.06 | 1466.67 | 79200.00 |
| 7 | 2025-10 | 1750.47 | 283.80 | 1466.67 | 77733.33 |
| 8 | 2025-11 | 1745.21 | 278.54 | 1466.67 | 76266.67 |
| 9 | 2025-12 | 1739.96 | 273.29 | 1466.67 | 74800.00 |
| 10 | 2026-01 | 1734.70 | 268.03 | 1466.67 | 73333.33 |
| 11 | 2026-02 | 1729.44 | 262.78 | 1466.67 | 71866.67 |
| 12 | 2026-03 | 1724.19 | 257.52 | 1466.67 | 70400.00 |
| 13 | 2026-04 | 1718.93 | 252.27 | 1466.67 | 68933.33 |
| 14 | 2026-05 | 1713.68 | 247.01 | 1466.67 | 67466.67 |
| 15 | 2026-06 | 1708.42 | 241.76 | 1466.67 | 66000.00 |
| 16 | 2026-07 | 1703.17 | 236.50 | 1466.67 | 64533.33 |
| 17 | 2026-08 | 1697.91 | 231.24 | 1466.67 | 63066.67 |
| 18 | 2026-09 | 1692.66 | 225.99 | 1466.67 | 61600.00 |
| 19 | 2026-10 | 1687.40 | 220.73 | 1466.67 | 60133.33 |
| 20 | 2026-11 | 1682.14 | 215.48 | 1466.67 | 58666.67 |
| 21 | 2026-12 | 1676.89 | 210.22 | 1466.67 | 57200.00 |
| 22 | 2027-01 | 1671.63 | 204.97 | 1466.67 | 55733.33 |
| 23 | 2027-02 | 1666.38 | 199.71 | 1466.67 | 54266.67 |
| 24 | 2027-03 | 1661.12 | 194.46 | 1466.67 | 52800.00 |
| 25 | 2027-04 | 1655.87 | 189.20 | 1466.67 | 51333.33 |
| 26 | 2027-05 | 1650.61 | 183.94 | 1466.67 | 49866.67 |
| 27 | 2027-06 | 1645.36 | 178.69 | 1466.67 | 48400.00 |
| 28 | 2027-07 | 1640.10 | 173.43 | 1466.67 | 46933.33 |
| 29 | 2027-08 | 1634.84 | 168.18 | 1466.67 | 45466.67 |
| 30 | 2027-09 | 1629.59 | 162.92 | 1466.67 | 44000.00 |
| 31 | 2027-10 | 1624.33 | 157.67 | 1466.67 | 42533.33 |
| 32 | 2027-11 | 1619.08 | 152.41 | 1466.67 | 41066.67 |
| 33 | 2027-12 | 1613.82 | 147.16 | 1466.67 | 39600.00 |
| 34 | 2028-01 | 1608.57 | 141.90 | 1466.67 | 38133.33 |
| 35 | 2028-02 | 1603.31 | 136.64 | 1466.67 | 36666.67 |
| 36 | 2028-03 | 1598.06 | 131.39 | 1466.67 | 35200.00 |
| 37 | 2028-04 | 1592.80 | 126.13 | 1466.67 | 33733.33 |
| 38 | 2028-05 | 1587.54 | 120.88 | 1466.67 | 32266.67 |
| 39 | 2028-06 | 1582.29 | 115.62 | 1466.67 | 30800.00 |
| 40 | 2028-07 | 1577.03 | 110.37 | 1466.67 | 29333.33 |
| 41 | 2028-08 | 1571.78 | 105.11 | 1466.67 | 27866.67 |
| 42 | 2028-09 | 1566.52 | 99.86 | 1466.67 | 26400.00 |
| 43 | 2028-10 | 1561.27 | 94.60 | 1466.67 | 24933.33 |
| 44 | 2028-11 | 1556.01 | 89.34 | 1466.67 | 23466.67 |
| 45 | 2028-12 | 1550.76 | 84.09 | 1466.67 | 22000.00 |
| 46 | 2029-01 | 1545.50 | 78.83 | 1466.67 | 20533.33 |
| 47 | 2029-02 | 1540.24 | 73.58 | 1466.67 | 19066.67 |
| 48 | 2029-03 | 1534.99 | 68.32 | 1466.67 | 17600.00 |
| 49 | 2029-04 | 1529.73 | 63.07 | 1466.67 | 16133.33 |
| 50 | 2029-05 | 1524.48 | 57.81 | 1466.67 | 14666.67 |
| 51 | 2029-06 | 1519.22 | 52.56 | 1466.67 | 13200.00 |
| 52 | 2029-07 | 1513.97 | 47.30 | 1466.67 | 11733.33 |
| 53 | 2029-08 | 1508.71 | 42.04 | 1466.67 | 10266.67 |
| 54 | 2029-09 | 1503.46 | 36.79 | 1466.67 | 8800.00 |
| 55 | 2029-10 | 1498.20 | 31.53 | 1466.67 | 7333.33 |
| 56 | 2029-11 | 1492.94 | 26.28 | 1466.67 | 5866.67 |
| 57 | 2029-12 | 1487.69 | 21.02 | 1466.67 | 4400.00 |
| 58 | 2030-01 | 1482.43 | 15.77 | 1466.67 | 2933.33 |
| 59 | 2030-02 | 1477.18 | 10.51 | 1466.67 | 1466.67 |
| 60 | 2030-03 | 1471.92 | 5.26 | 1466.67 | 0.00 |