贷款18万（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：18万
还款月数：5年
每月还款：3290.66元
利息总额：1.74万
本息合计：19.74万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 3290.66 | 555.00 | 2735.66 | 177264.34 |
| 2 | 2024-10 | 3290.66 | 546.57 | 2744.10 | 174520.24 |
| 3 | 2024-11 | 3290.66 | 538.10 | 2752.56 | 171767.69 |
| 4 | 2024-12 | 3290.66 | 529.62 | 2761.04 | 169006.64 |
| 5 | 2025-01 | 3290.66 | 521.10 | 2769.56 | 166237.09 |
| 6 | 2025-02 | 3290.66 | 512.56 | 2778.10 | 163458.99 |
| 7 | 2025-03 | 3290.66 | 504.00 | 2786.66 | 160672.33 |
| 8 | 2025-04 | 3290.66 | 495.41 | 2795.25 | 157877.07 |
| 9 | 2025-05 | 3290.66 | 486.79 | 2803.87 | 155073.20 |
| 10 | 2025-06 | 3290.66 | 478.14 | 2812.52 | 152260.68 |
| 11 | 2025-07 | 3290.66 | 469.47 | 2821.19 | 149439.49 |
| 12 | 2025-08 | 3290.66 | 460.77 | 2829.89 | 146609.60 |
| 13 | 2025-09 | 3290.66 | 452.05 | 2838.61 | 143770.99 |
| 14 | 2025-10 | 3290.66 | 443.29 | 2847.37 | 140923.62 |
| 15 | 2025-11 | 3290.66 | 434.51 | 2856.15 | 138067.47 |
| 16 | 2025-12 | 3290.66 | 425.71 | 2864.95 | 135202.52 |
| 17 | 2026-01 | 3290.66 | 416.87 | 2873.79 | 132328.73 |
| 18 | 2026-02 | 3290.66 | 408.01 | 2882.65 | 129446.09 |
| 19 | 2026-03 | 3290.66 | 399.13 | 2891.54 | 126554.55 |
| 20 | 2026-04 | 3290.66 | 390.21 | 2900.45 | 123654.10 |
| 21 | 2026-05 | 3290.66 | 381.27 | 2909.39 | 120744.71 |
| 22 | 2026-06 | 3290.66 | 372.30 | 2918.36 | 117826.34 |
| 23 | 2026-07 | 3290.66 | 363.30 | 2927.36 | 114898.98 |
| 24 | 2026-08 | 3290.66 | 354.27 | 2936.39 | 111962.59 |
| 25 | 2026-09 | 3290.66 | 345.22 | 2945.44 | 109017.15 |
| 26 | 2026-10 | 3290.66 | 336.14 | 2954.52 | 106062.62 |
| 27 | 2026-11 | 3290.66 | 327.03 | 2963.63 | 103098.99 |
| 28 | 2026-12 | 3290.66 | 317.89 | 2972.77 | 100126.22 |
| 29 | 2027-01 | 3290.66 | 308.72 | 2981.94 | 97144.28 |
| 30 | 2027-02 | 3290.66 | 299.53 | 2991.13 | 94153.14 |
| 31 | 2027-03 | 3290.66 | 290.31 | 3000.36 | 91152.79 |
| 32 | 2027-04 | 3290.66 | 281.05 | 3009.61 | 88143.18 |
| 33 | 2027-05 | 3290.66 | 271.77 | 3018.89 | 85124.30 |
| 34 | 2027-06 | 3290.66 | 262.47 | 3028.19 | 82096.10 |
| 35 | 2027-07 | 3290.66 | 253.13 | 3037.53 | 79058.57 |
| 36 | 2027-08 | 3290.66 | 243.76 | 3046.90 | 76011.67 |
| 37 | 2027-09 | 3290.66 | 234.37 | 3056.29 | 72955.38 |
| 38 | 2027-10 | 3290.66 | 224.95 | 3065.72 | 69889.67 |
| 39 | 2027-11 | 3290.66 | 215.49 | 3075.17 | 66814.50 |
| 40 | 2027-12 | 3290.66 | 206.01 | 3084.65 | 63729.85 |
| 41 | 2028-01 | 3290.66 | 196.50 | 3094.16 | 60635.69 |
| 42 | 2028-02 | 3290.66 | 186.96 | 3103.70 | 57531.99 |
| 43 | 2028-03 | 3290.66 | 177.39 | 3113.27 | 54418.72 |
| 44 | 2028-04 | 3290.66 | 167.79 | 3122.87 | 51295.85 |
| 45 | 2028-05 | 3290.66 | 158.16 | 3132.50 | 48163.35 |
| 46 | 2028-06 | 3290.66 | 148.50 | 3142.16 | 45021.19 |
| 47 | 2028-07 | 3290.66 | 138.82 | 3151.85 | 41869.35 |
| 48 | 2028-08 | 3290.66 | 129.10 | 3161.56 | 38707.78 |
| 49 | 2028-09 | 3290.66 | 119.35 | 3171.31 | 35536.47 |
| 50 | 2028-10 | 3290.66 | 109.57 | 3181.09 | 32355.38 |
| 51 | 2028-11 | 3290.66 | 99.76 | 3190.90 | 29164.48 |
| 52 | 2028-12 | 3290.66 | 89.92 | 3200.74 | 25963.75 |
| 53 | 2029-01 | 3290.66 | 80.05 | 3210.61 | 22753.14 |
| 54 | 2029-02 | 3290.66 | 70.16 | 3220.51 | 19532.63 |
| 55 | 2029-03 | 3290.66 | 60.23 | 3230.44 | 16302.20 |
| 56 | 2029-04 | 3290.66 | 50.27 | 3240.40 | 13061.80 |
| 57 | 2029-05 | 3290.66 | 40.27 | 3250.39 | 9811.42 |
| 58 | 2029-06 | 3290.66 | 30.25 | 3260.41 | 6551.01 |
| 59 | 2029-07 | 3290.66 | 20.20 | 3270.46 | 3280.55 |
| 60 | 2029-08 | 3290.66 | 10.12 | 3280.55 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：5年
首月还款：3555元
每月递减：9.25元
利息总额：1.69万
本息合计：19.69万
节省利息：512.15元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 3555.00 | 555.00 | 3000.00 | 177000.00 |
| 2 | 2024-10 | 3545.75 | 545.75 | 3000.00 | 174000.00 |
| 3 | 2024-11 | 3536.50 | 536.50 | 3000.00 | 171000.00 |
| 4 | 2024-12 | 3527.25 | 527.25 | 3000.00 | 168000.00 |
| 5 | 2025-01 | 3518.00 | 518.00 | 3000.00 | 165000.00 |
| 6 | 2025-02 | 3508.75 | 508.75 | 3000.00 | 162000.00 |
| 7 | 2025-03 | 3499.50 | 499.50 | 3000.00 | 159000.00 |
| 8 | 2025-04 | 3490.25 | 490.25 | 3000.00 | 156000.00 |
| 9 | 2025-05 | 3481.00 | 481.00 | 3000.00 | 153000.00 |
| 10 | 2025-06 | 3471.75 | 471.75 | 3000.00 | 150000.00 |
| 11 | 2025-07 | 3462.50 | 462.50 | 3000.00 | 147000.00 |
| 12 | 2025-08 | 3453.25 | 453.25 | 3000.00 | 144000.00 |
| 13 | 2025-09 | 3444.00 | 444.00 | 3000.00 | 141000.00 |
| 14 | 2025-10 | 3434.75 | 434.75 | 3000.00 | 138000.00 |
| 15 | 2025-11 | 3425.50 | 425.50 | 3000.00 | 135000.00 |
| 16 | 2025-12 | 3416.25 | 416.25 | 3000.00 | 132000.00 |
| 17 | 2026-01 | 3407.00 | 407.00 | 3000.00 | 129000.00 |
| 18 | 2026-02 | 3397.75 | 397.75 | 3000.00 | 126000.00 |
| 19 | 2026-03 | 3388.50 | 388.50 | 3000.00 | 123000.00 |
| 20 | 2026-04 | 3379.25 | 379.25 | 3000.00 | 120000.00 |
| 21 | 2026-05 | 3370.00 | 370.00 | 3000.00 | 117000.00 |
| 22 | 2026-06 | 3360.75 | 360.75 | 3000.00 | 114000.00 |
| 23 | 2026-07 | 3351.50 | 351.50 | 3000.00 | 111000.00 |
| 24 | 2026-08 | 3342.25 | 342.25 | 3000.00 | 108000.00 |
| 25 | 2026-09 | 3333.00 | 333.00 | 3000.00 | 105000.00 |
| 26 | 2026-10 | 3323.75 | 323.75 | 3000.00 | 102000.00 |
| 27 | 2026-11 | 3314.50 | 314.50 | 3000.00 | 99000.00 |
| 28 | 2026-12 | 3305.25 | 305.25 | 3000.00 | 96000.00 |
| 29 | 2027-01 | 3296.00 | 296.00 | 3000.00 | 93000.00 |
| 30 | 2027-02 | 3286.75 | 286.75 | 3000.00 | 90000.00 |
| 31 | 2027-03 | 3277.50 | 277.50 | 3000.00 | 87000.00 |
| 32 | 2027-04 | 3268.25 | 268.25 | 3000.00 | 84000.00 |
| 33 | 2027-05 | 3259.00 | 259.00 | 3000.00 | 81000.00 |
| 34 | 2027-06 | 3249.75 | 249.75 | 3000.00 | 78000.00 |
| 35 | 2027-07 | 3240.50 | 240.50 | 3000.00 | 75000.00 |
| 36 | 2027-08 | 3231.25 | 231.25 | 3000.00 | 72000.00 |
| 37 | 2027-09 | 3222.00 | 222.00 | 3000.00 | 69000.00 |
| 38 | 2027-10 | 3212.75 | 212.75 | 3000.00 | 66000.00 |
| 39 | 2027-11 | 3203.50 | 203.50 | 3000.00 | 63000.00 |
| 40 | 2027-12 | 3194.25 | 194.25 | 3000.00 | 60000.00 |
| 41 | 2028-01 | 3185.00 | 185.00 | 3000.00 | 57000.00 |
| 42 | 2028-02 | 3175.75 | 175.75 | 3000.00 | 54000.00 |
| 43 | 2028-03 | 3166.50 | 166.50 | 3000.00 | 51000.00 |
| 44 | 2028-04 | 3157.25 | 157.25 | 3000.00 | 48000.00 |
| 45 | 2028-05 | 3148.00 | 148.00 | 3000.00 | 45000.00 |
| 46 | 2028-06 | 3138.75 | 138.75 | 3000.00 | 42000.00 |
| 47 | 2028-07 | 3129.50 | 129.50 | 3000.00 | 39000.00 |
| 48 | 2028-08 | 3120.25 | 120.25 | 3000.00 | 36000.00 |
| 49 | 2028-09 | 3111.00 | 111.00 | 3000.00 | 33000.00 |
| 50 | 2028-10 | 3101.75 | 101.75 | 3000.00 | 30000.00 |
| 51 | 2028-11 | 3092.50 | 92.50 | 3000.00 | 27000.00 |
| 52 | 2028-12 | 3083.25 | 83.25 | 3000.00 | 24000.00 |
| 53 | 2029-01 | 3074.00 | 74.00 | 3000.00 | 21000.00 |
| 54 | 2029-02 | 3064.75 | 64.75 | 3000.00 | 18000.00 |
| 55 | 2029-03 | 3055.50 | 55.50 | 3000.00 | 15000.00 |
| 56 | 2029-04 | 3046.25 | 46.25 | 3000.00 | 12000.00 |
| 57 | 2029-05 | 3037.00 | 37.00 | 3000.00 | 9000.00 |
| 58 | 2029-06 | 3027.75 | 27.75 | 3000.00 | 6000.00 |
| 59 | 2029-07 | 3018.50 | 18.50 | 3000.00 | 3000.00 |
| 60 | 2029-08 | 3009.25 | 9.25 | 3000.00 | 0.00 |