贷款8.23万（商业贷款）房贷，还款4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：8.23万
还款月数：4年
每月还款：1868.25元
利息总额：7423.33元
本息合计：8.97万
| 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 | 1868.25 | 294.74 | 1573.51 | 80679.19 |
| 2 | 2025-05 | 1868.25 | 289.10 | 1579.15 | 79100.04 |
| 3 | 2025-06 | 1868.25 | 283.44 | 1584.81 | 77515.23 |
| 4 | 2025-07 | 1868.25 | 277.76 | 1590.49 | 75924.74 |
| 5 | 2025-08 | 1868.25 | 272.06 | 1596.19 | 74328.55 |
| 6 | 2025-09 | 1868.25 | 266.34 | 1601.91 | 72726.65 |
| 7 | 2025-10 | 1868.25 | 260.60 | 1607.65 | 71119.00 |
| 8 | 2025-11 | 1868.25 | 254.84 | 1613.41 | 69505.59 |
| 9 | 2025-12 | 1868.25 | 249.06 | 1619.19 | 67886.40 |
| 10 | 2026-01 | 1868.25 | 243.26 | 1624.99 | 66261.41 |
| 11 | 2026-02 | 1868.25 | 237.44 | 1630.81 | 64630.60 |
| 12 | 2026-03 | 1868.25 | 231.59 | 1636.66 | 62993.94 |
| 13 | 2026-04 | 1868.25 | 225.73 | 1642.52 | 61351.42 |
| 14 | 2026-05 | 1868.25 | 219.84 | 1648.41 | 59703.01 |
| 15 | 2026-06 | 1868.25 | 213.94 | 1654.31 | 58048.70 |
| 16 | 2026-07 | 1868.25 | 208.01 | 1660.24 | 56388.45 |
| 17 | 2026-08 | 1868.25 | 202.06 | 1666.19 | 54722.26 |
| 18 | 2026-09 | 1868.25 | 196.09 | 1672.16 | 53050.10 |
| 19 | 2026-10 | 1868.25 | 190.10 | 1678.15 | 51371.94 |
| 20 | 2026-11 | 1868.25 | 184.08 | 1684.17 | 49687.78 |
| 21 | 2026-12 | 1868.25 | 178.05 | 1690.20 | 47997.57 |
| 22 | 2027-01 | 1868.25 | 171.99 | 1696.26 | 46301.31 |
| 23 | 2027-02 | 1868.25 | 165.91 | 1702.34 | 44598.98 |
| 24 | 2027-03 | 1868.25 | 159.81 | 1708.44 | 42890.54 |
| 25 | 2027-04 | 1868.25 | 153.69 | 1714.56 | 41175.98 |
| 26 | 2027-05 | 1868.25 | 147.55 | 1720.70 | 39455.28 |
| 27 | 2027-06 | 1868.25 | 141.38 | 1726.87 | 37728.41 |
| 28 | 2027-07 | 1868.25 | 135.19 | 1733.06 | 35995.35 |
| 29 | 2027-08 | 1868.25 | 128.98 | 1739.27 | 34256.08 |
| 30 | 2027-09 | 1868.25 | 122.75 | 1745.50 | 32510.58 |
| 31 | 2027-10 | 1868.25 | 116.50 | 1751.75 | 30758.83 |
| 32 | 2027-11 | 1868.25 | 110.22 | 1758.03 | 29000.80 |
| 33 | 2027-12 | 1868.25 | 103.92 | 1764.33 | 27236.47 |
| 34 | 2028-01 | 1868.25 | 97.60 | 1770.65 | 25465.81 |
| 35 | 2028-02 | 1868.25 | 91.25 | 1777.00 | 23688.81 |
| 36 | 2028-03 | 1868.25 | 84.88 | 1783.37 | 21905.45 |
| 37 | 2028-04 | 1868.25 | 78.49 | 1789.76 | 20115.69 |
| 38 | 2028-05 | 1868.25 | 72.08 | 1796.17 | 18319.52 |
| 39 | 2028-06 | 1868.25 | 65.64 | 1802.61 | 16516.92 |
| 40 | 2028-07 | 1868.25 | 59.19 | 1809.07 | 14707.85 |
| 41 | 2028-08 | 1868.25 | 52.70 | 1815.55 | 12892.30 |
| 42 | 2028-09 | 1868.25 | 46.20 | 1822.05 | 11070.25 |
| 43 | 2028-10 | 1868.25 | 39.67 | 1828.58 | 9241.67 |
| 44 | 2028-11 | 1868.25 | 33.12 | 1835.13 | 7406.53 |
| 45 | 2028-12 | 1868.25 | 26.54 | 1841.71 | 5564.82 |
| 46 | 2029-01 | 1868.25 | 19.94 | 1848.31 | 3716.51 |
| 47 | 2029-02 | 1868.25 | 13.32 | 1854.93 | 1861.58 |
| 48 | 2029-03 | 1868.25 | 6.67 | 1861.58 | 0.00 |
等额本金还款方式：
贷款总额：8.23万
还款月数：4年
首月还款：2008.34元
每月递减：6.14元
利息总额：7221.1元
本息合计：8.95万
节省利息：202.23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 | 2008.34 | 294.74 | 1713.60 | 80539.10 |
| 2 | 2025-05 | 2002.20 | 288.60 | 1713.60 | 78825.50 |
| 3 | 2025-06 | 1996.06 | 282.46 | 1713.60 | 77111.91 |
| 4 | 2025-07 | 1989.92 | 276.32 | 1713.60 | 75398.31 |
| 5 | 2025-08 | 1983.78 | 270.18 | 1713.60 | 73684.71 |
| 6 | 2025-09 | 1977.63 | 264.04 | 1713.60 | 71971.11 |
| 7 | 2025-10 | 1971.49 | 257.90 | 1713.60 | 70257.51 |
| 8 | 2025-11 | 1965.35 | 251.76 | 1713.60 | 68543.92 |
| 9 | 2025-12 | 1959.21 | 245.62 | 1713.60 | 66830.32 |
| 10 | 2026-01 | 1953.07 | 239.48 | 1713.60 | 65116.72 |
| 11 | 2026-02 | 1946.93 | 233.33 | 1713.60 | 63403.12 |
| 12 | 2026-03 | 1940.79 | 227.19 | 1713.60 | 61689.52 |
| 13 | 2026-04 | 1934.65 | 221.05 | 1713.60 | 59975.93 |
| 14 | 2026-05 | 1928.51 | 214.91 | 1713.60 | 58262.33 |
| 15 | 2026-06 | 1922.37 | 208.77 | 1713.60 | 56548.73 |
| 16 | 2026-07 | 1916.23 | 202.63 | 1713.60 | 54835.13 |
| 17 | 2026-08 | 1910.09 | 196.49 | 1713.60 | 53121.54 |
| 18 | 2026-09 | 1903.95 | 190.35 | 1713.60 | 51407.94 |
| 19 | 2026-10 | 1897.81 | 184.21 | 1713.60 | 49694.34 |
| 20 | 2026-11 | 1891.67 | 178.07 | 1713.60 | 47980.74 |
| 21 | 2026-12 | 1885.53 | 171.93 | 1713.60 | 46267.14 |
| 22 | 2027-01 | 1879.39 | 165.79 | 1713.60 | 44553.55 |
| 23 | 2027-02 | 1873.25 | 159.65 | 1713.60 | 42839.95 |
| 24 | 2027-03 | 1867.11 | 153.51 | 1713.60 | 41126.35 |
| 25 | 2027-04 | 1860.97 | 147.37 | 1713.60 | 39412.75 |
| 26 | 2027-05 | 1854.83 | 141.23 | 1713.60 | 37699.15 |
| 27 | 2027-06 | 1848.69 | 135.09 | 1713.60 | 35985.56 |
| 28 | 2027-07 | 1842.55 | 128.95 | 1713.60 | 34271.96 |
| 29 | 2027-08 | 1836.41 | 122.81 | 1713.60 | 32558.36 |
| 30 | 2027-09 | 1830.27 | 116.67 | 1713.60 | 30844.76 |
| 31 | 2027-10 | 1824.12 | 110.53 | 1713.60 | 29131.16 |
| 32 | 2027-11 | 1817.98 | 104.39 | 1713.60 | 27417.57 |
| 33 | 2027-12 | 1811.84 | 98.25 | 1713.60 | 25703.97 |
| 34 | 2028-01 | 1805.70 | 92.11 | 1713.60 | 23990.37 |
| 35 | 2028-02 | 1799.56 | 85.97 | 1713.60 | 22276.77 |
| 36 | 2028-03 | 1793.42 | 79.83 | 1713.60 | 20563.18 |
| 37 | 2028-04 | 1787.28 | 73.68 | 1713.60 | 18849.58 |
| 38 | 2028-05 | 1781.14 | 67.54 | 1713.60 | 17135.98 |
| 39 | 2028-06 | 1775.00 | 61.40 | 1713.60 | 15422.38 |
| 40 | 2028-07 | 1768.86 | 55.26 | 1713.60 | 13708.78 |
| 41 | 2028-08 | 1762.72 | 49.12 | 1713.60 | 11995.19 |
| 42 | 2028-09 | 1756.58 | 42.98 | 1713.60 | 10281.59 |
| 43 | 2028-10 | 1750.44 | 36.84 | 1713.60 | 8567.99 |
| 44 | 2028-11 | 1744.30 | 30.70 | 1713.60 | 6854.39 |
| 45 | 2028-12 | 1738.16 | 24.56 | 1713.60 | 5140.79 |
| 46 | 2029-01 | 1732.02 | 18.42 | 1713.60 | 3427.20 |
| 47 | 2029-02 | 1725.88 | 12.28 | 1713.60 | 1713.60 |
| 48 | 2029-03 | 1719.74 | 6.14 | 1713.60 | 0.00 |