贷款1.32万（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：1.32万
还款月数：5年
每月还款：234.43元
利息总额：889.29元
本息合计：1.41万
| 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 | 234.43 | 28.55 | 205.88 | 12970.81 |
| 2 | 2025-05 | 234.43 | 28.10 | 206.33 | 12764.48 |
| 3 | 2025-06 | 234.43 | 27.66 | 206.78 | 12557.70 |
| 4 | 2025-07 | 234.43 | 27.21 | 207.22 | 12350.48 |
| 5 | 2025-08 | 234.43 | 26.76 | 207.67 | 12142.80 |
| 6 | 2025-09 | 234.43 | 26.31 | 208.12 | 11934.68 |
| 7 | 2025-10 | 234.43 | 25.86 | 208.57 | 11726.10 |
| 8 | 2025-11 | 234.43 | 25.41 | 209.03 | 11517.08 |
| 9 | 2025-12 | 234.43 | 24.95 | 209.48 | 11307.60 |
| 10 | 2026-01 | 234.43 | 24.50 | 209.93 | 11097.67 |
| 11 | 2026-02 | 234.43 | 24.04 | 210.39 | 10887.28 |
| 12 | 2026-03 | 234.43 | 23.59 | 210.84 | 10676.43 |
| 13 | 2026-04 | 234.43 | 23.13 | 211.30 | 10465.13 |
| 14 | 2026-05 | 234.43 | 22.67 | 211.76 | 10253.37 |
| 15 | 2026-06 | 234.43 | 22.22 | 212.22 | 10041.16 |
| 16 | 2026-07 | 234.43 | 21.76 | 212.68 | 9828.48 |
| 17 | 2026-08 | 234.43 | 21.30 | 213.14 | 9615.34 |
| 18 | 2026-09 | 234.43 | 20.83 | 213.60 | 9401.74 |
| 19 | 2026-10 | 234.43 | 20.37 | 214.06 | 9187.68 |
| 20 | 2026-11 | 234.43 | 19.91 | 214.53 | 8973.15 |
| 21 | 2026-12 | 234.43 | 19.44 | 214.99 | 8758.16 |
| 22 | 2027-01 | 234.43 | 18.98 | 215.46 | 8542.71 |
| 23 | 2027-02 | 234.43 | 18.51 | 215.92 | 8326.78 |
| 24 | 2027-03 | 234.43 | 18.04 | 216.39 | 8110.39 |
| 25 | 2027-04 | 234.43 | 17.57 | 216.86 | 7893.53 |
| 26 | 2027-05 | 234.43 | 17.10 | 217.33 | 7676.20 |
| 27 | 2027-06 | 234.43 | 16.63 | 217.80 | 7458.40 |
| 28 | 2027-07 | 234.43 | 16.16 | 218.27 | 7240.13 |
| 29 | 2027-08 | 234.43 | 15.69 | 218.75 | 7021.38 |
| 30 | 2027-09 | 234.43 | 15.21 | 219.22 | 6802.16 |
| 31 | 2027-10 | 234.43 | 14.74 | 219.69 | 6582.46 |
| 32 | 2027-11 | 234.43 | 14.26 | 220.17 | 6362.29 |
| 33 | 2027-12 | 234.43 | 13.78 | 220.65 | 6141.65 |
| 34 | 2028-01 | 234.43 | 13.31 | 221.13 | 5920.52 |
| 35 | 2028-02 | 234.43 | 12.83 | 221.61 | 5698.91 |
| 36 | 2028-03 | 234.43 | 12.35 | 222.09 | 5476.83 |
| 37 | 2028-04 | 234.43 | 11.87 | 222.57 | 5254.26 |
| 38 | 2028-05 | 234.43 | 11.38 | 223.05 | 5031.21 |
| 39 | 2028-06 | 234.43 | 10.90 | 223.53 | 4807.68 |
| 40 | 2028-07 | 234.43 | 10.42 | 224.02 | 4583.67 |
| 41 | 2028-08 | 234.43 | 9.93 | 224.50 | 4359.16 |
| 42 | 2028-09 | 234.43 | 9.44 | 224.99 | 4134.18 |
| 43 | 2028-10 | 234.43 | 8.96 | 225.48 | 3908.70 |
| 44 | 2028-11 | 234.43 | 8.47 | 225.96 | 3682.74 |
| 45 | 2028-12 | 234.43 | 7.98 | 226.45 | 3456.28 |
| 46 | 2029-01 | 234.43 | 7.49 | 226.94 | 3229.34 |
| 47 | 2029-02 | 234.43 | 7.00 | 227.44 | 3001.90 |
| 48 | 2029-03 | 234.43 | 6.50 | 227.93 | 2773.97 |
| 49 | 2029-04 | 234.43 | 6.01 | 228.42 | 2545.55 |
| 50 | 2029-05 | 234.43 | 5.52 | 228.92 | 2316.63 |
| 51 | 2029-06 | 234.43 | 5.02 | 229.41 | 2087.22 |
| 52 | 2029-07 | 234.43 | 4.52 | 229.91 | 1857.31 |
| 53 | 2029-08 | 234.43 | 4.02 | 230.41 | 1626.90 |
| 54 | 2029-09 | 234.43 | 3.52 | 230.91 | 1395.99 |
| 55 | 2029-10 | 234.43 | 3.02 | 231.41 | 1164.58 |
| 56 | 2029-11 | 234.43 | 2.52 | 231.91 | 932.67 |
| 57 | 2029-12 | 234.43 | 2.02 | 232.41 | 700.26 |
| 58 | 2030-01 | 234.43 | 1.52 | 232.92 | 467.35 |
| 59 | 2030-02 | 234.43 | 1.01 | 233.42 | 233.93 |
| 60 | 2030-03 | 234.43 | 0.51 | 233.93 | 0.00 |
等额本金还款方式：
贷款总额：1.32万
还款月数：5年
首月还款：248.16元
每月递减：0.48元
利息总额：870.76元
本息合计：1.4万
节省利息：18.53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 | 248.16 | 28.55 | 219.61 | 12957.08 |
| 2 | 2025-05 | 247.69 | 28.07 | 219.61 | 12737.47 |
| 3 | 2025-06 | 247.21 | 27.60 | 219.61 | 12517.86 |
| 4 | 2025-07 | 246.73 | 27.12 | 219.61 | 12298.24 |
| 5 | 2025-08 | 246.26 | 26.65 | 219.61 | 12078.63 |
| 6 | 2025-09 | 245.78 | 26.17 | 219.61 | 11859.02 |
| 7 | 2025-10 | 245.31 | 25.69 | 219.61 | 11639.41 |
| 8 | 2025-11 | 244.83 | 25.22 | 219.61 | 11419.80 |
| 9 | 2025-12 | 244.35 | 24.74 | 219.61 | 11200.19 |
| 10 | 2026-01 | 243.88 | 24.27 | 219.61 | 10980.58 |
| 11 | 2026-02 | 243.40 | 23.79 | 219.61 | 10760.96 |
| 12 | 2026-03 | 242.93 | 23.32 | 219.61 | 10541.35 |
| 13 | 2026-04 | 242.45 | 22.84 | 219.61 | 10321.74 |
| 14 | 2026-05 | 241.98 | 22.36 | 219.61 | 10102.13 |
| 15 | 2026-06 | 241.50 | 21.89 | 219.61 | 9882.52 |
| 16 | 2026-07 | 241.02 | 21.41 | 219.61 | 9662.91 |
| 17 | 2026-08 | 240.55 | 20.94 | 219.61 | 9443.29 |
| 18 | 2026-09 | 240.07 | 20.46 | 219.61 | 9223.68 |
| 19 | 2026-10 | 239.60 | 19.98 | 219.61 | 9004.07 |
| 20 | 2026-11 | 239.12 | 19.51 | 219.61 | 8784.46 |
| 21 | 2026-12 | 238.64 | 19.03 | 219.61 | 8564.85 |
| 22 | 2027-01 | 238.17 | 18.56 | 219.61 | 8345.24 |
| 23 | 2027-02 | 237.69 | 18.08 | 219.61 | 8125.63 |
| 24 | 2027-03 | 237.22 | 17.61 | 219.61 | 7906.01 |
| 25 | 2027-04 | 236.74 | 17.13 | 219.61 | 7686.40 |
| 26 | 2027-05 | 236.27 | 16.65 | 219.61 | 7466.79 |
| 27 | 2027-06 | 235.79 | 16.18 | 219.61 | 7247.18 |
| 28 | 2027-07 | 235.31 | 15.70 | 219.61 | 7027.57 |
| 29 | 2027-08 | 234.84 | 15.23 | 219.61 | 6807.96 |
| 30 | 2027-09 | 234.36 | 14.75 | 219.61 | 6588.35 |
| 31 | 2027-10 | 233.89 | 14.27 | 219.61 | 6368.73 |
| 32 | 2027-11 | 233.41 | 13.80 | 219.61 | 6149.12 |
| 33 | 2027-12 | 232.93 | 13.32 | 219.61 | 5929.51 |
| 34 | 2028-01 | 232.46 | 12.85 | 219.61 | 5709.90 |
| 35 | 2028-02 | 231.98 | 12.37 | 219.61 | 5490.29 |
| 36 | 2028-03 | 231.51 | 11.90 | 219.61 | 5270.68 |
| 37 | 2028-04 | 231.03 | 11.42 | 219.61 | 5051.06 |
| 38 | 2028-05 | 230.56 | 10.94 | 219.61 | 4831.45 |
| 39 | 2028-06 | 230.08 | 10.47 | 219.61 | 4611.84 |
| 40 | 2028-07 | 229.60 | 9.99 | 219.61 | 4392.23 |
| 41 | 2028-08 | 229.13 | 9.52 | 219.61 | 4172.62 |
| 42 | 2028-09 | 228.65 | 9.04 | 219.61 | 3953.01 |
| 43 | 2028-10 | 228.18 | 8.56 | 219.61 | 3733.40 |
| 44 | 2028-11 | 227.70 | 8.09 | 219.61 | 3513.78 |
| 45 | 2028-12 | 227.22 | 7.61 | 219.61 | 3294.17 |
| 46 | 2029-01 | 226.75 | 7.14 | 219.61 | 3074.56 |
| 47 | 2029-02 | 226.27 | 6.66 | 219.61 | 2854.95 |
| 48 | 2029-03 | 225.80 | 6.19 | 219.61 | 2635.34 |
| 49 | 2029-04 | 225.32 | 5.71 | 219.61 | 2415.73 |
| 50 | 2029-05 | 224.85 | 5.23 | 219.61 | 2196.11 |
| 51 | 2029-06 | 224.37 | 4.76 | 219.61 | 1976.50 |
| 52 | 2029-07 | 223.89 | 4.28 | 219.61 | 1756.89 |
| 53 | 2029-08 | 223.42 | 3.81 | 219.61 | 1537.28 |
| 54 | 2029-09 | 222.94 | 3.33 | 219.61 | 1317.67 |
| 55 | 2029-10 | 222.47 | 2.85 | 219.61 | 1098.06 |
| 56 | 2029-11 | 221.99 | 2.38 | 219.61 | 878.45 |
| 57 | 2029-12 | 221.51 | 1.90 | 219.61 | 658.83 |
| 58 | 2030-01 | 221.04 | 1.43 | 219.61 | 439.22 |
| 59 | 2030-02 | 220.56 | 0.95 | 219.61 | 219.61 |
| 60 | 2030-03 | 220.09 | 0.48 | 219.61 | 0.00 |