贷款1元（商业贷款）房贷，还款10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元
还款月数：10年
每月还款：0.01元
利息总额：0.23元
本息合计：1.23元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 0.01 | 0.00 | 0.01 | 0.99 |
| 2 | 2024-10 | 0.01 | 0.00 | 0.01 | 0.99 |
| 3 | 2024-11 | 0.01 | 0.00 | 0.01 | 0.98 |
| 4 | 2024-12 | 0.01 | 0.00 | 0.01 | 0.97 |
| 5 | 2025-01 | 0.01 | 0.00 | 0.01 | 0.97 |
| 6 | 2025-02 | 0.01 | 0.00 | 0.01 | 0.96 |
| 7 | 2025-03 | 0.01 | 0.00 | 0.01 | 0.95 |
| 8 | 2025-04 | 0.01 | 0.00 | 0.01 | 0.95 |
| 9 | 2025-05 | 0.01 | 0.00 | 0.01 | 0.94 |
| 10 | 2025-06 | 0.01 | 0.00 | 0.01 | 0.93 |
| 11 | 2025-07 | 0.01 | 0.00 | 0.01 | 0.93 |
| 12 | 2025-08 | 0.01 | 0.00 | 0.01 | 0.92 |
| 13 | 2025-09 | 0.01 | 0.00 | 0.01 | 0.91 |
| 14 | 2025-10 | 0.01 | 0.00 | 0.01 | 0.90 |
| 15 | 2025-11 | 0.01 | 0.00 | 0.01 | 0.90 |
| 16 | 2025-12 | 0.01 | 0.00 | 0.01 | 0.89 |
| 17 | 2026-01 | 0.01 | 0.00 | 0.01 | 0.88 |
| 18 | 2026-02 | 0.01 | 0.00 | 0.01 | 0.88 |
| 19 | 2026-03 | 0.01 | 0.00 | 0.01 | 0.87 |
| 20 | 2026-04 | 0.01 | 0.00 | 0.01 | 0.86 |
| 21 | 2026-05 | 0.01 | 0.00 | 0.01 | 0.85 |
| 22 | 2026-06 | 0.01 | 0.00 | 0.01 | 0.85 |
| 23 | 2026-07 | 0.01 | 0.00 | 0.01 | 0.84 |
| 24 | 2026-08 | 0.01 | 0.00 | 0.01 | 0.83 |
| 25 | 2026-09 | 0.01 | 0.00 | 0.01 | 0.83 |
| 26 | 2026-10 | 0.01 | 0.00 | 0.01 | 0.82 |
| 27 | 2026-11 | 0.01 | 0.00 | 0.01 | 0.81 |
| 28 | 2026-12 | 0.01 | 0.00 | 0.01 | 0.80 |
| 29 | 2027-01 | 0.01 | 0.00 | 0.01 | 0.80 |
| 30 | 2027-02 | 0.01 | 0.00 | 0.01 | 0.79 |
| 31 | 2027-03 | 0.01 | 0.00 | 0.01 | 0.78 |
| 32 | 2027-04 | 0.01 | 0.00 | 0.01 | 0.77 |
| 33 | 2027-05 | 0.01 | 0.00 | 0.01 | 0.77 |
| 34 | 2027-06 | 0.01 | 0.00 | 0.01 | 0.76 |
| 35 | 2027-07 | 0.01 | 0.00 | 0.01 | 0.75 |
| 36 | 2027-08 | 0.01 | 0.00 | 0.01 | 0.74 |
| 37 | 2027-09 | 0.01 | 0.00 | 0.01 | 0.74 |
| 38 | 2027-10 | 0.01 | 0.00 | 0.01 | 0.73 |
| 39 | 2027-11 | 0.01 | 0.00 | 0.01 | 0.72 |
| 40 | 2027-12 | 0.01 | 0.00 | 0.01 | 0.71 |
| 41 | 2028-01 | 0.01 | 0.00 | 0.01 | 0.71 |
| 42 | 2028-02 | 0.01 | 0.00 | 0.01 | 0.70 |
| 43 | 2028-03 | 0.01 | 0.00 | 0.01 | 0.69 |
| 44 | 2028-04 | 0.01 | 0.00 | 0.01 | 0.68 |
| 45 | 2028-05 | 0.01 | 0.00 | 0.01 | 0.67 |
| 46 | 2028-06 | 0.01 | 0.00 | 0.01 | 0.67 |
| 47 | 2028-07 | 0.01 | 0.00 | 0.01 | 0.66 |
| 48 | 2028-08 | 0.01 | 0.00 | 0.01 | 0.65 |
| 49 | 2028-09 | 0.01 | 0.00 | 0.01 | 0.64 |
| 50 | 2028-10 | 0.01 | 0.00 | 0.01 | 0.63 |
| 51 | 2028-11 | 0.01 | 0.00 | 0.01 | 0.63 |
| 52 | 2028-12 | 0.01 | 0.00 | 0.01 | 0.62 |
| 53 | 2029-01 | 0.01 | 0.00 | 0.01 | 0.61 |
| 54 | 2029-02 | 0.01 | 0.00 | 0.01 | 0.60 |
| 55 | 2029-03 | 0.01 | 0.00 | 0.01 | 0.59 |
| 56 | 2029-04 | 0.01 | 0.00 | 0.01 | 0.59 |
| 57 | 2029-05 | 0.01 | 0.00 | 0.01 | 0.58 |
| 58 | 2029-06 | 0.01 | 0.00 | 0.01 | 0.57 |
| 59 | 2029-07 | 0.01 | 0.00 | 0.01 | 0.56 |
| 60 | 2029-08 | 0.01 | 0.00 | 0.01 | 0.55 |
| 61 | 2029-09 | 0.01 | 0.00 | 0.01 | 0.55 |
| 62 | 2029-10 | 0.01 | 0.00 | 0.01 | 0.54 |
| 63 | 2029-11 | 0.01 | 0.00 | 0.01 | 0.53 |
| 64 | 2029-12 | 0.01 | 0.00 | 0.01 | 0.52 |
| 65 | 2030-01 | 0.01 | 0.00 | 0.01 | 0.51 |
| 66 | 2030-02 | 0.01 | 0.00 | 0.01 | 0.50 |
| 67 | 2030-03 | 0.01 | 0.00 | 0.01 | 0.49 |
| 68 | 2030-04 | 0.01 | 0.00 | 0.01 | 0.49 |
| 69 | 2030-05 | 0.01 | 0.00 | 0.01 | 0.48 |
| 70 | 2030-06 | 0.01 | 0.00 | 0.01 | 0.47 |
| 71 | 2030-07 | 0.01 | 0.00 | 0.01 | 0.46 |
| 72 | 2030-08 | 0.01 | 0.00 | 0.01 | 0.45 |
| 73 | 2030-09 | 0.01 | 0.00 | 0.01 | 0.44 |
| 74 | 2030-10 | 0.01 | 0.00 | 0.01 | 0.43 |
| 75 | 2030-11 | 0.01 | 0.00 | 0.01 | 0.43 |
| 76 | 2030-12 | 0.01 | 0.00 | 0.01 | 0.42 |
| 77 | 2031-01 | 0.01 | 0.00 | 0.01 | 0.41 |
| 78 | 2031-02 | 0.01 | 0.00 | 0.01 | 0.40 |
| 79 | 2031-03 | 0.01 | 0.00 | 0.01 | 0.39 |
| 80 | 2031-04 | 0.01 | 0.00 | 0.01 | 0.38 |
| 81 | 2031-05 | 0.01 | 0.00 | 0.01 | 0.37 |
| 82 | 2031-06 | 0.01 | 0.00 | 0.01 | 0.36 |
| 83 | 2031-07 | 0.01 | 0.00 | 0.01 | 0.36 |
| 84 | 2031-08 | 0.01 | 0.00 | 0.01 | 0.35 |
| 85 | 2031-09 | 0.01 | 0.00 | 0.01 | 0.34 |
| 86 | 2031-10 | 0.01 | 0.00 | 0.01 | 0.33 |
| 87 | 2031-11 | 0.01 | 0.00 | 0.01 | 0.32 |
| 88 | 2031-12 | 0.01 | 0.00 | 0.01 | 0.31 |
| 89 | 2032-01 | 0.01 | 0.00 | 0.01 | 0.30 |
| 90 | 2032-02 | 0.01 | 0.00 | 0.01 | 0.29 |
| 91 | 2032-03 | 0.01 | 0.00 | 0.01 | 0.28 |
| 92 | 2032-04 | 0.01 | 0.00 | 0.01 | 0.27 |
| 93 | 2032-05 | 0.01 | 0.00 | 0.01 | 0.26 |
| 94 | 2032-06 | 0.01 | 0.00 | 0.01 | 0.25 |
| 95 | 2032-07 | 0.01 | 0.00 | 0.01 | 0.25 |
| 96 | 2032-08 | 0.01 | 0.00 | 0.01 | 0.24 |
| 97 | 2032-09 | 0.01 | 0.00 | 0.01 | 0.23 |
| 98 | 2032-10 | 0.01 | 0.00 | 0.01 | 0.22 |
| 99 | 2032-11 | 0.01 | 0.00 | 0.01 | 0.21 |
| 100 | 2032-12 | 0.01 | 0.00 | 0.01 | 0.20 |
| 101 | 2033-01 | 0.01 | 0.00 | 0.01 | 0.19 |
| 102 | 2033-02 | 0.01 | 0.00 | 0.01 | 0.18 |
| 103 | 2033-03 | 0.01 | 0.00 | 0.01 | 0.17 |
| 104 | 2033-04 | 0.01 | 0.00 | 0.01 | 0.16 |
| 105 | 2033-05 | 0.01 | 0.00 | 0.01 | 0.15 |
| 106 | 2033-06 | 0.01 | 0.00 | 0.01 | 0.14 |
| 107 | 2033-07 | 0.01 | 0.00 | 0.01 | 0.13 |
| 108 | 2033-08 | 0.01 | 0.00 | 0.01 | 0.12 |
| 109 | 2033-09 | 0.01 | 0.00 | 0.01 | 0.11 |
| 110 | 2033-10 | 0.01 | 0.00 | 0.01 | 0.10 |
| 111 | 2033-11 | 0.01 | 0.00 | 0.01 | 0.09 |
| 112 | 2033-12 | 0.01 | 0.00 | 0.01 | 0.08 |
| 113 | 2034-01 | 0.01 | 0.00 | 0.01 | 0.07 |
| 114 | 2034-02 | 0.01 | 0.00 | 0.01 | 0.06 |
| 115 | 2034-03 | 0.01 | 0.00 | 0.01 | 0.05 |
| 116 | 2034-04 | 0.01 | 0.00 | 0.01 | 0.04 |
| 117 | 2034-05 | 0.01 | 0.00 | 0.01 | 0.03 |
| 118 | 2034-06 | 0.01 | 0.00 | 0.01 | 0.02 |
| 119 | 2034-07 | 0.01 | 0.00 | 0.01 | 0.01 |
| 120 | 2034-08 | 0.01 | 0.00 | 0.01 | 0.00 |
等额本金还款方式：
贷款总额：1元
还款月数：10年
首月还款：0.01元
每月递减：0元
利息总额：0.22元
本息合计：1.22元
节省利息：0.02元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 0.01 | 0.00 | 0.01 | 0.99 |
| 2 | 2024-10 | 0.01 | 0.00 | 0.01 | 0.98 |
| 3 | 2024-11 | 0.01 | 0.00 | 0.01 | 0.97 |
| 4 | 2024-12 | 0.01 | 0.00 | 0.01 | 0.97 |
| 5 | 2025-01 | 0.01 | 0.00 | 0.01 | 0.96 |
| 6 | 2025-02 | 0.01 | 0.00 | 0.01 | 0.95 |
| 7 | 2025-03 | 0.01 | 0.00 | 0.01 | 0.94 |
| 8 | 2025-04 | 0.01 | 0.00 | 0.01 | 0.93 |
| 9 | 2025-05 | 0.01 | 0.00 | 0.01 | 0.93 |
| 10 | 2025-06 | 0.01 | 0.00 | 0.01 | 0.92 |
| 11 | 2025-07 | 0.01 | 0.00 | 0.01 | 0.91 |
| 12 | 2025-08 | 0.01 | 0.00 | 0.01 | 0.90 |
| 13 | 2025-09 | 0.01 | 0.00 | 0.01 | 0.89 |
| 14 | 2025-10 | 0.01 | 0.00 | 0.01 | 0.88 |
| 15 | 2025-11 | 0.01 | 0.00 | 0.01 | 0.88 |
| 16 | 2025-12 | 0.01 | 0.00 | 0.01 | 0.87 |
| 17 | 2026-01 | 0.01 | 0.00 | 0.01 | 0.86 |
| 18 | 2026-02 | 0.01 | 0.00 | 0.01 | 0.85 |
| 19 | 2026-03 | 0.01 | 0.00 | 0.01 | 0.84 |
| 20 | 2026-04 | 0.01 | 0.00 | 0.01 | 0.83 |
| 21 | 2026-05 | 0.01 | 0.00 | 0.01 | 0.82 |
| 22 | 2026-06 | 0.01 | 0.00 | 0.01 | 0.82 |
| 23 | 2026-07 | 0.01 | 0.00 | 0.01 | 0.81 |
| 24 | 2026-08 | 0.01 | 0.00 | 0.01 | 0.80 |
| 25 | 2026-09 | 0.01 | 0.00 | 0.01 | 0.79 |
| 26 | 2026-10 | 0.01 | 0.00 | 0.01 | 0.78 |
| 27 | 2026-11 | 0.01 | 0.00 | 0.01 | 0.78 |
| 28 | 2026-12 | 0.01 | 0.00 | 0.01 | 0.77 |
| 29 | 2027-01 | 0.01 | 0.00 | 0.01 | 0.76 |
| 30 | 2027-02 | 0.01 | 0.00 | 0.01 | 0.75 |
| 31 | 2027-03 | 0.01 | 0.00 | 0.01 | 0.74 |
| 32 | 2027-04 | 0.01 | 0.00 | 0.01 | 0.73 |
| 33 | 2027-05 | 0.01 | 0.00 | 0.01 | 0.72 |
| 34 | 2027-06 | 0.01 | 0.00 | 0.01 | 0.72 |
| 35 | 2027-07 | 0.01 | 0.00 | 0.01 | 0.71 |
| 36 | 2027-08 | 0.01 | 0.00 | 0.01 | 0.70 |
| 37 | 2027-09 | 0.01 | 0.00 | 0.01 | 0.69 |
| 38 | 2027-10 | 0.01 | 0.00 | 0.01 | 0.68 |
| 39 | 2027-11 | 0.01 | 0.00 | 0.01 | 0.68 |
| 40 | 2027-12 | 0.01 | 0.00 | 0.01 | 0.67 |
| 41 | 2028-01 | 0.01 | 0.00 | 0.01 | 0.66 |
| 42 | 2028-02 | 0.01 | 0.00 | 0.01 | 0.65 |
| 43 | 2028-03 | 0.01 | 0.00 | 0.01 | 0.64 |
| 44 | 2028-04 | 0.01 | 0.00 | 0.01 | 0.63 |
| 45 | 2028-05 | 0.01 | 0.00 | 0.01 | 0.63 |
| 46 | 2028-06 | 0.01 | 0.00 | 0.01 | 0.62 |
| 47 | 2028-07 | 0.01 | 0.00 | 0.01 | 0.61 |
| 48 | 2028-08 | 0.01 | 0.00 | 0.01 | 0.60 |
| 49 | 2028-09 | 0.01 | 0.00 | 0.01 | 0.59 |
| 50 | 2028-10 | 0.01 | 0.00 | 0.01 | 0.58 |
| 51 | 2028-11 | 0.01 | 0.00 | 0.01 | 0.57 |
| 52 | 2028-12 | 0.01 | 0.00 | 0.01 | 0.57 |
| 53 | 2029-01 | 0.01 | 0.00 | 0.01 | 0.56 |
| 54 | 2029-02 | 0.01 | 0.00 | 0.01 | 0.55 |
| 55 | 2029-03 | 0.01 | 0.00 | 0.01 | 0.54 |
| 56 | 2029-04 | 0.01 | 0.00 | 0.01 | 0.53 |
| 57 | 2029-05 | 0.01 | 0.00 | 0.01 | 0.53 |
| 58 | 2029-06 | 0.01 | 0.00 | 0.01 | 0.52 |
| 59 | 2029-07 | 0.01 | 0.00 | 0.01 | 0.51 |
| 60 | 2029-08 | 0.01 | 0.00 | 0.01 | 0.50 |
| 61 | 2029-09 | 0.01 | 0.00 | 0.01 | 0.49 |
| 62 | 2029-10 | 0.01 | 0.00 | 0.01 | 0.48 |
| 63 | 2029-11 | 0.01 | 0.00 | 0.01 | 0.47 |
| 64 | 2029-12 | 0.01 | 0.00 | 0.01 | 0.47 |
| 65 | 2030-01 | 0.01 | 0.00 | 0.01 | 0.46 |
| 66 | 2030-02 | 0.01 | 0.00 | 0.01 | 0.45 |
| 67 | 2030-03 | 0.01 | 0.00 | 0.01 | 0.44 |
| 68 | 2030-04 | 0.01 | 0.00 | 0.01 | 0.43 |
| 69 | 2030-05 | 0.01 | 0.00 | 0.01 | 0.43 |
| 70 | 2030-06 | 0.01 | 0.00 | 0.01 | 0.42 |
| 71 | 2030-07 | 0.01 | 0.00 | 0.01 | 0.41 |
| 72 | 2030-08 | 0.01 | 0.00 | 0.01 | 0.40 |
| 73 | 2030-09 | 0.01 | 0.00 | 0.01 | 0.39 |
| 74 | 2030-10 | 0.01 | 0.00 | 0.01 | 0.38 |
| 75 | 2030-11 | 0.01 | 0.00 | 0.01 | 0.38 |
| 76 | 2030-12 | 0.01 | 0.00 | 0.01 | 0.37 |
| 77 | 2031-01 | 0.01 | 0.00 | 0.01 | 0.36 |
| 78 | 2031-02 | 0.01 | 0.00 | 0.01 | 0.35 |
| 79 | 2031-03 | 0.01 | 0.00 | 0.01 | 0.34 |
| 80 | 2031-04 | 0.01 | 0.00 | 0.01 | 0.33 |
| 81 | 2031-05 | 0.01 | 0.00 | 0.01 | 0.32 |
| 82 | 2031-06 | 0.01 | 0.00 | 0.01 | 0.32 |
| 83 | 2031-07 | 0.01 | 0.00 | 0.01 | 0.31 |
| 84 | 2031-08 | 0.01 | 0.00 | 0.01 | 0.30 |
| 85 | 2031-09 | 0.01 | 0.00 | 0.01 | 0.29 |
| 86 | 2031-10 | 0.01 | 0.00 | 0.01 | 0.28 |
| 87 | 2031-11 | 0.01 | 0.00 | 0.01 | 0.28 |
| 88 | 2031-12 | 0.01 | 0.00 | 0.01 | 0.27 |
| 89 | 2032-01 | 0.01 | 0.00 | 0.01 | 0.26 |
| 90 | 2032-02 | 0.01 | 0.00 | 0.01 | 0.25 |
| 91 | 2032-03 | 0.01 | 0.00 | 0.01 | 0.24 |
| 92 | 2032-04 | 0.01 | 0.00 | 0.01 | 0.23 |
| 93 | 2032-05 | 0.01 | 0.00 | 0.01 | 0.22 |
| 94 | 2032-06 | 0.01 | 0.00 | 0.01 | 0.22 |
| 95 | 2032-07 | 0.01 | 0.00 | 0.01 | 0.21 |
| 96 | 2032-08 | 0.01 | 0.00 | 0.01 | 0.20 |
| 97 | 2032-09 | 0.01 | 0.00 | 0.01 | 0.19 |
| 98 | 2032-10 | 0.01 | 0.00 | 0.01 | 0.18 |
| 99 | 2032-11 | 0.01 | 0.00 | 0.01 | 0.18 |
| 100 | 2032-12 | 0.01 | 0.00 | 0.01 | 0.17 |
| 101 | 2033-01 | 0.01 | 0.00 | 0.01 | 0.16 |
| 102 | 2033-02 | 0.01 | 0.00 | 0.01 | 0.15 |
| 103 | 2033-03 | 0.01 | 0.00 | 0.01 | 0.14 |
| 104 | 2033-04 | 0.01 | 0.00 | 0.01 | 0.13 |
| 105 | 2033-05 | 0.01 | 0.00 | 0.01 | 0.13 |
| 106 | 2033-06 | 0.01 | 0.00 | 0.01 | 0.12 |
| 107 | 2033-07 | 0.01 | 0.00 | 0.01 | 0.11 |
| 108 | 2033-08 | 0.01 | 0.00 | 0.01 | 0.10 |
| 109 | 2033-09 | 0.01 | 0.00 | 0.01 | 0.09 |
| 110 | 2033-10 | 0.01 | 0.00 | 0.01 | 0.08 |
| 111 | 2033-11 | 0.01 | 0.00 | 0.01 | 0.08 |
| 112 | 2033-12 | 0.01 | 0.00 | 0.01 | 0.07 |
| 113 | 2034-01 | 0.01 | 0.00 | 0.01 | 0.06 |
| 114 | 2034-02 | 0.01 | 0.00 | 0.01 | 0.05 |
| 115 | 2034-03 | 0.01 | 0.00 | 0.01 | 0.04 |
| 116 | 2034-04 | 0.01 | 0.00 | 0.01 | 0.03 |
| 117 | 2034-05 | 0.01 | 0.00 | 0.01 | 0.03 |
| 118 | 2034-06 | 0.01 | 0.00 | 0.01 | 0.02 |
| 119 | 2034-07 | 0.01 | 0.00 | 0.01 | 0.01 |
| 120 | 2034-08 | 0.01 | 0.00 | 0.01 | 0.00 |