贷款3.5万（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：3.5万
还款月数：4年
每月还款：761.45元
利息总额：1564.57元
本息合计：3.65万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 761.45 | 62.97 | 698.48 | 34286.52 |
| 2 | 2024-11 | 761.45 | 61.72 | 699.73 | 33586.79 |
| 3 | 2024-12 | 761.45 | 60.46 | 700.99 | 32885.80 |
| 4 | 2025-01 | 761.45 | 59.19 | 702.25 | 32183.54 |
| 5 | 2025-02 | 761.45 | 57.93 | 703.52 | 31480.02 |
| 6 | 2025-03 | 761.45 | 56.66 | 704.79 | 30775.24 |
| 7 | 2025-04 | 761.45 | 55.40 | 706.05 | 30069.18 |
| 8 | 2025-05 | 761.45 | 54.12 | 707.32 | 29361.86 |
| 9 | 2025-06 | 761.45 | 52.85 | 708.60 | 28653.26 |
| 10 | 2025-07 | 761.45 | 51.58 | 709.87 | 27943.39 |
| 11 | 2025-08 | 761.45 | 50.30 | 711.15 | 27232.24 |
| 12 | 2025-09 | 761.45 | 49.02 | 712.43 | 26519.80 |
| 13 | 2025-10 | 761.45 | 47.74 | 713.71 | 25806.09 |
| 14 | 2025-11 | 761.45 | 46.45 | 715.00 | 25091.09 |
| 15 | 2025-12 | 761.45 | 45.16 | 716.29 | 24374.81 |
| 16 | 2026-01 | 761.45 | 43.87 | 717.57 | 23657.23 |
| 17 | 2026-02 | 761.45 | 42.58 | 718.87 | 22938.37 |
| 18 | 2026-03 | 761.45 | 41.29 | 720.16 | 22218.21 |
| 19 | 2026-04 | 761.45 | 39.99 | 721.46 | 21496.75 |
| 20 | 2026-05 | 761.45 | 38.69 | 722.76 | 20773.99 |
| 21 | 2026-06 | 761.45 | 37.39 | 724.06 | 20049.94 |
| 22 | 2026-07 | 761.45 | 36.09 | 725.36 | 19324.58 |
| 23 | 2026-08 | 761.45 | 34.78 | 726.67 | 18597.91 |
| 24 | 2026-09 | 761.45 | 33.48 | 727.97 | 17869.94 |
| 25 | 2026-10 | 761.45 | 32.17 | 729.28 | 17140.66 |
| 26 | 2026-11 | 761.45 | 30.85 | 730.60 | 16410.06 |
| 27 | 2026-12 | 761.45 | 29.54 | 731.91 | 15678.15 |
| 28 | 2027-01 | 761.45 | 28.22 | 733.23 | 14944.92 |
| 29 | 2027-02 | 761.45 | 26.90 | 734.55 | 14210.37 |
| 30 | 2027-03 | 761.45 | 25.58 | 735.87 | 13474.50 |
| 31 | 2027-04 | 761.45 | 24.25 | 737.20 | 12737.31 |
| 32 | 2027-05 | 761.45 | 22.93 | 738.52 | 11998.78 |
| 33 | 2027-06 | 761.45 | 21.60 | 739.85 | 11258.93 |
| 34 | 2027-07 | 761.45 | 20.27 | 741.18 | 10517.75 |
| 35 | 2027-08 | 761.45 | 18.93 | 742.52 | 9775.23 |
| 36 | 2027-09 | 761.45 | 17.60 | 743.85 | 9031.38 |
| 37 | 2027-10 | 761.45 | 16.26 | 745.19 | 8286.18 |
| 38 | 2027-11 | 761.45 | 14.92 | 746.53 | 7539.65 |
| 39 | 2027-12 | 761.45 | 13.57 | 747.88 | 6791.77 |
| 40 | 2028-01 | 761.45 | 12.23 | 749.22 | 6042.55 |
| 41 | 2028-02 | 761.45 | 10.88 | 750.57 | 5291.97 |
| 42 | 2028-03 | 761.45 | 9.53 | 751.92 | 4540.05 |
| 43 | 2028-04 | 761.45 | 8.17 | 753.28 | 3786.77 |
| 44 | 2028-05 | 761.45 | 6.82 | 754.63 | 3032.14 |
| 45 | 2028-06 | 761.45 | 5.46 | 755.99 | 2276.15 |
| 46 | 2028-07 | 761.45 | 4.10 | 757.35 | 1518.80 |
| 47 | 2028-08 | 761.45 | 2.73 | 758.72 | 760.08 |
| 48 | 2028-09 | 761.45 | 1.37 | 760.08 | 0.00 |
等额本金还款方式：
贷款总额：3.5万
还款月数：4年
首月还款：791.83元
每月递减：1.31元
利息总额：1542.84元
本息合计：3.65万
节省利息：21.73元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 791.83 | 62.97 | 728.85 | 34256.15 |
| 2 | 2024-11 | 790.52 | 61.66 | 728.85 | 33527.29 |
| 3 | 2024-12 | 789.20 | 60.35 | 728.85 | 32798.44 |
| 4 | 2025-01 | 787.89 | 59.04 | 728.85 | 32069.58 |
| 5 | 2025-02 | 786.58 | 57.73 | 728.85 | 31340.73 |
| 6 | 2025-03 | 785.27 | 56.41 | 728.85 | 30611.88 |
| 7 | 2025-04 | 783.96 | 55.10 | 728.85 | 29883.02 |
| 8 | 2025-05 | 782.64 | 53.79 | 728.85 | 29154.17 |
| 9 | 2025-06 | 781.33 | 52.48 | 728.85 | 28425.31 |
| 10 | 2025-07 | 780.02 | 51.17 | 728.85 | 27696.46 |
| 11 | 2025-08 | 778.71 | 49.85 | 728.85 | 26967.60 |
| 12 | 2025-09 | 777.40 | 48.54 | 728.85 | 26238.75 |
| 13 | 2025-10 | 776.08 | 47.23 | 728.85 | 25509.90 |
| 14 | 2025-11 | 774.77 | 45.92 | 728.85 | 24781.04 |
| 15 | 2025-12 | 773.46 | 44.61 | 728.85 | 24052.19 |
| 16 | 2026-01 | 772.15 | 43.29 | 728.85 | 23323.33 |
| 17 | 2026-02 | 770.84 | 41.98 | 728.85 | 22594.48 |
| 18 | 2026-03 | 769.52 | 40.67 | 728.85 | 21865.63 |
| 19 | 2026-04 | 768.21 | 39.36 | 728.85 | 21136.77 |
| 20 | 2026-05 | 766.90 | 38.05 | 728.85 | 20407.92 |
| 21 | 2026-06 | 765.59 | 36.73 | 728.85 | 19679.06 |
| 22 | 2026-07 | 764.28 | 35.42 | 728.85 | 18950.21 |
| 23 | 2026-08 | 762.96 | 34.11 | 728.85 | 18221.35 |
| 24 | 2026-09 | 761.65 | 32.80 | 728.85 | 17492.50 |
| 25 | 2026-10 | 760.34 | 31.49 | 728.85 | 16763.65 |
| 26 | 2026-11 | 759.03 | 30.17 | 728.85 | 16034.79 |
| 27 | 2026-12 | 757.72 | 28.86 | 728.85 | 15305.94 |
| 28 | 2027-01 | 756.40 | 27.55 | 728.85 | 14577.08 |
| 29 | 2027-02 | 755.09 | 26.24 | 728.85 | 13848.23 |
| 30 | 2027-03 | 753.78 | 24.93 | 728.85 | 13119.38 |
| 31 | 2027-04 | 752.47 | 23.61 | 728.85 | 12390.52 |
| 32 | 2027-05 | 751.16 | 22.30 | 728.85 | 11661.67 |
| 33 | 2027-06 | 749.85 | 20.99 | 728.85 | 10932.81 |
| 34 | 2027-07 | 748.53 | 19.68 | 728.85 | 10203.96 |
| 35 | 2027-08 | 747.22 | 18.37 | 728.85 | 9475.10 |
| 36 | 2027-09 | 745.91 | 17.06 | 728.85 | 8746.25 |
| 37 | 2027-10 | 744.60 | 15.74 | 728.85 | 8017.40 |
| 38 | 2027-11 | 743.29 | 14.43 | 728.85 | 7288.54 |
| 39 | 2027-12 | 741.97 | 13.12 | 728.85 | 6559.69 |
| 40 | 2028-01 | 740.66 | 11.81 | 728.85 | 5830.83 |
| 41 | 2028-02 | 739.35 | 10.50 | 728.85 | 5101.98 |
| 42 | 2028-03 | 738.04 | 9.18 | 728.85 | 4373.13 |
| 43 | 2028-04 | 736.73 | 7.87 | 728.85 | 3644.27 |
| 44 | 2028-05 | 735.41 | 6.56 | 728.85 | 2915.42 |
| 45 | 2028-06 | 734.10 | 5.25 | 728.85 | 2186.56 |
| 46 | 2028-07 | 732.79 | 3.94 | 728.85 | 1457.71 |
| 47 | 2028-08 | 731.48 | 2.62 | 728.85 | 728.85 |
| 48 | 2028-09 | 730.17 | 1.31 | 728.85 | 0.00 |