贷款4万（商业贷款）房贷，还款3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：4万
还款月数：3年
每月还款：1159.73元
利息总额：1750.14元
本息合计：4.18万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 1159.73 | 93.33 | 1066.39 | 38933.61 |
| 2 | 2024-12 | 1159.73 | 90.85 | 1068.88 | 37864.73 |
| 3 | 2025-01 | 1159.73 | 88.35 | 1071.38 | 36793.35 |
| 4 | 2025-02 | 1159.73 | 85.85 | 1073.87 | 35719.48 |
| 5 | 2025-03 | 1159.73 | 83.35 | 1076.38 | 34643.10 |
| 6 | 2025-04 | 1159.73 | 80.83 | 1078.89 | 33564.20 |
| 7 | 2025-05 | 1159.73 | 78.32 | 1081.41 | 32482.79 |
| 8 | 2025-06 | 1159.73 | 75.79 | 1083.93 | 31398.86 |
| 9 | 2025-07 | 1159.73 | 73.26 | 1086.46 | 30312.40 |
| 10 | 2025-08 | 1159.73 | 70.73 | 1089.00 | 29223.40 |
| 11 | 2025-09 | 1159.73 | 68.19 | 1091.54 | 28131.86 |
| 12 | 2025-10 | 1159.73 | 65.64 | 1094.09 | 27037.78 |
| 13 | 2025-11 | 1159.73 | 63.09 | 1096.64 | 25941.14 |
| 14 | 2025-12 | 1159.73 | 60.53 | 1099.20 | 24841.94 |
| 15 | 2026-01 | 1159.73 | 57.96 | 1101.76 | 23740.18 |
| 16 | 2026-02 | 1159.73 | 55.39 | 1104.33 | 22635.85 |
| 17 | 2026-03 | 1159.73 | 52.82 | 1106.91 | 21528.94 |
| 18 | 2026-04 | 1159.73 | 50.23 | 1109.49 | 20419.45 |
| 19 | 2026-05 | 1159.73 | 47.65 | 1112.08 | 19307.37 |
| 20 | 2026-06 | 1159.73 | 45.05 | 1114.68 | 18192.69 |
| 21 | 2026-07 | 1159.73 | 42.45 | 1117.28 | 17075.42 |
| 22 | 2026-08 | 1159.73 | 39.84 | 1119.88 | 15955.53 |
| 23 | 2026-09 | 1159.73 | 37.23 | 1122.50 | 14833.04 |
| 24 | 2026-10 | 1159.73 | 34.61 | 1125.12 | 13707.92 |
| 25 | 2026-11 | 1159.73 | 31.99 | 1127.74 | 12580.18 |
| 26 | 2026-12 | 1159.73 | 29.35 | 1130.37 | 11449.81 |
| 27 | 2027-01 | 1159.73 | 26.72 | 1133.01 | 10316.80 |
| 28 | 2027-02 | 1159.73 | 24.07 | 1135.65 | 9181.14 |
| 29 | 2027-03 | 1159.73 | 21.42 | 1138.30 | 8042.84 |
| 30 | 2027-04 | 1159.73 | 18.77 | 1140.96 | 6901.88 |
| 31 | 2027-05 | 1159.73 | 16.10 | 1143.62 | 5758.26 |
| 32 | 2027-06 | 1159.73 | 13.44 | 1146.29 | 4611.97 |
| 33 | 2027-07 | 1159.73 | 10.76 | 1148.96 | 3463.00 |
| 34 | 2027-08 | 1159.73 | 8.08 | 1151.65 | 2311.36 |
| 35 | 2027-09 | 1159.73 | 5.39 | 1154.33 | 1157.03 |
| 36 | 2027-10 | 1159.73 | 2.70 | 1157.03 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：3年
首月还款：1204.44元
每月递减：2.59元
利息总额：1726.67元
本息合计：4.17万
节省利息：23.47元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 1204.44 | 93.33 | 1111.11 | 38888.89 |
| 2 | 2024-12 | 1201.85 | 90.74 | 1111.11 | 37777.78 |
| 3 | 2025-01 | 1199.26 | 88.15 | 1111.11 | 36666.67 |
| 4 | 2025-02 | 1196.67 | 85.56 | 1111.11 | 35555.56 |
| 5 | 2025-03 | 1194.07 | 82.96 | 1111.11 | 34444.44 |
| 6 | 2025-04 | 1191.48 | 80.37 | 1111.11 | 33333.33 |
| 7 | 2025-05 | 1188.89 | 77.78 | 1111.11 | 32222.22 |
| 8 | 2025-06 | 1186.30 | 75.19 | 1111.11 | 31111.11 |
| 9 | 2025-07 | 1183.70 | 72.59 | 1111.11 | 30000.00 |
| 10 | 2025-08 | 1181.11 | 70.00 | 1111.11 | 28888.89 |
| 11 | 2025-09 | 1178.52 | 67.41 | 1111.11 | 27777.78 |
| 12 | 2025-10 | 1175.93 | 64.81 | 1111.11 | 26666.67 |
| 13 | 2025-11 | 1173.33 | 62.22 | 1111.11 | 25555.56 |
| 14 | 2025-12 | 1170.74 | 59.63 | 1111.11 | 24444.44 |
| 15 | 2026-01 | 1168.15 | 57.04 | 1111.11 | 23333.33 |
| 16 | 2026-02 | 1165.56 | 54.44 | 1111.11 | 22222.22 |
| 17 | 2026-03 | 1162.96 | 51.85 | 1111.11 | 21111.11 |
| 18 | 2026-04 | 1160.37 | 49.26 | 1111.11 | 20000.00 |
| 19 | 2026-05 | 1157.78 | 46.67 | 1111.11 | 18888.89 |
| 20 | 2026-06 | 1155.19 | 44.07 | 1111.11 | 17777.78 |
| 21 | 2026-07 | 1152.59 | 41.48 | 1111.11 | 16666.67 |
| 22 | 2026-08 | 1150.00 | 38.89 | 1111.11 | 15555.56 |
| 23 | 2026-09 | 1147.41 | 36.30 | 1111.11 | 14444.44 |
| 24 | 2026-10 | 1144.81 | 33.70 | 1111.11 | 13333.33 |
| 25 | 2026-11 | 1142.22 | 31.11 | 1111.11 | 12222.22 |
| 26 | 2026-12 | 1139.63 | 28.52 | 1111.11 | 11111.11 |
| 27 | 2027-01 | 1137.04 | 25.93 | 1111.11 | 10000.00 |
| 28 | 2027-02 | 1134.44 | 23.33 | 1111.11 | 8888.89 |
| 29 | 2027-03 | 1131.85 | 20.74 | 1111.11 | 7777.78 |
| 30 | 2027-04 | 1129.26 | 18.15 | 1111.11 | 6666.67 |
| 31 | 2027-05 | 1126.67 | 15.56 | 1111.11 | 5555.56 |
| 32 | 2027-06 | 1124.07 | 12.96 | 1111.11 | 4444.44 |
| 33 | 2027-07 | 1121.48 | 10.37 | 1111.11 | 3333.33 |
| 34 | 2027-08 | 1118.89 | 7.78 | 1111.11 | 2222.22 |
| 35 | 2027-09 | 1116.30 | 5.19 | 1111.11 | 1111.11 |
| 36 | 2027-10 | 1113.70 | 2.59 | 1111.11 | 0.00 |