贷款4万（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：4万
还款月数：5年
每月还款：715.2元
利息总额：2911.88元
本息合计：4.29万
| 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 | 715.20 | 93.33 | 621.86 | 39378.14 |
| 2 | 2024-12 | 715.20 | 91.88 | 623.32 | 38754.82 |
| 3 | 2025-01 | 715.20 | 90.43 | 624.77 | 38130.05 |
| 4 | 2025-02 | 715.20 | 88.97 | 626.23 | 37503.82 |
| 5 | 2025-03 | 715.20 | 87.51 | 627.69 | 36876.13 |
| 6 | 2025-04 | 715.20 | 86.04 | 629.15 | 36246.98 |
| 7 | 2025-05 | 715.20 | 84.58 | 630.62 | 35616.36 |
| 8 | 2025-06 | 715.20 | 83.10 | 632.09 | 34984.26 |
| 9 | 2025-07 | 715.20 | 81.63 | 633.57 | 34350.70 |
| 10 | 2025-08 | 715.20 | 80.15 | 635.05 | 33715.65 |
| 11 | 2025-09 | 715.20 | 78.67 | 636.53 | 33079.12 |
| 12 | 2025-10 | 715.20 | 77.18 | 638.01 | 32441.11 |
| 13 | 2025-11 | 715.20 | 75.70 | 639.50 | 31801.60 |
| 14 | 2025-12 | 715.20 | 74.20 | 640.99 | 31160.61 |
| 15 | 2026-01 | 715.20 | 72.71 | 642.49 | 30518.12 |
| 16 | 2026-02 | 715.20 | 71.21 | 643.99 | 29874.13 |
| 17 | 2026-03 | 715.20 | 69.71 | 645.49 | 29228.64 |
| 18 | 2026-04 | 715.20 | 68.20 | 647.00 | 28581.64 |
| 19 | 2026-05 | 715.20 | 66.69 | 648.51 | 27933.13 |
| 20 | 2026-06 | 715.20 | 65.18 | 650.02 | 27283.11 |
| 21 | 2026-07 | 715.20 | 63.66 | 651.54 | 26631.58 |
| 22 | 2026-08 | 715.20 | 62.14 | 653.06 | 25978.52 |
| 23 | 2026-09 | 715.20 | 60.62 | 654.58 | 25323.94 |
| 24 | 2026-10 | 715.20 | 59.09 | 656.11 | 24667.83 |
| 25 | 2026-11 | 715.20 | 57.56 | 657.64 | 24010.19 |
| 26 | 2026-12 | 715.20 | 56.02 | 659.17 | 23351.01 |
| 27 | 2027-01 | 715.20 | 54.49 | 660.71 | 22690.30 |
| 28 | 2027-02 | 715.20 | 52.94 | 662.25 | 22028.05 |
| 29 | 2027-03 | 715.20 | 51.40 | 663.80 | 21364.25 |
| 30 | 2027-04 | 715.20 | 49.85 | 665.35 | 20698.90 |
| 31 | 2027-05 | 715.20 | 48.30 | 666.90 | 20032.00 |
| 32 | 2027-06 | 715.20 | 46.74 | 668.46 | 19363.54 |
| 33 | 2027-07 | 715.20 | 45.18 | 670.02 | 18693.53 |
| 34 | 2027-08 | 715.20 | 43.62 | 671.58 | 18021.95 |
| 35 | 2027-09 | 715.20 | 42.05 | 673.15 | 17348.80 |
| 36 | 2027-10 | 715.20 | 40.48 | 674.72 | 16674.08 |
| 37 | 2027-11 | 715.20 | 38.91 | 676.29 | 15997.79 |
| 38 | 2027-12 | 715.20 | 37.33 | 677.87 | 15319.92 |
| 39 | 2028-01 | 715.20 | 35.75 | 679.45 | 14640.47 |
| 40 | 2028-02 | 715.20 | 34.16 | 681.04 | 13959.43 |
| 41 | 2028-03 | 715.20 | 32.57 | 682.63 | 13276.81 |
| 42 | 2028-04 | 715.20 | 30.98 | 684.22 | 12592.59 |
| 43 | 2028-05 | 715.20 | 29.38 | 685.82 | 11906.77 |
| 44 | 2028-06 | 715.20 | 27.78 | 687.42 | 11219.36 |
| 45 | 2028-07 | 715.20 | 26.18 | 689.02 | 10530.34 |
| 46 | 2028-08 | 715.20 | 24.57 | 690.63 | 9839.71 |
| 47 | 2028-09 | 715.20 | 22.96 | 692.24 | 9147.47 |
| 48 | 2028-10 | 715.20 | 21.34 | 693.85 | 8453.62 |
| 49 | 2028-11 | 715.20 | 19.73 | 695.47 | 7758.14 |
| 50 | 2028-12 | 715.20 | 18.10 | 697.10 | 7061.05 |
| 51 | 2029-01 | 715.20 | 16.48 | 698.72 | 6362.32 |
| 52 | 2029-02 | 715.20 | 14.85 | 700.35 | 5661.97 |
| 53 | 2029-03 | 715.20 | 13.21 | 701.99 | 4959.99 |
| 54 | 2029-04 | 715.20 | 11.57 | 703.62 | 4256.36 |
| 55 | 2029-05 | 715.20 | 9.93 | 705.27 | 3551.09 |
| 56 | 2029-06 | 715.20 | 8.29 | 706.91 | 2844.18 |
| 57 | 2029-07 | 715.20 | 6.64 | 708.56 | 2135.62 |
| 58 | 2029-08 | 715.20 | 4.98 | 710.21 | 1425.41 |
| 59 | 2029-09 | 715.20 | 3.33 | 711.87 | 713.53 |
| 60 | 2029-10 | 715.20 | 1.66 | 713.53 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：5年
首月还款：760元
每月递减：1.56元
利息总额：2846.67元
本息合计：4.28万
节省利息：65.22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 | 760.00 | 93.33 | 666.67 | 39333.33 |
| 2 | 2024-12 | 758.44 | 91.78 | 666.67 | 38666.67 |
| 3 | 2025-01 | 756.89 | 90.22 | 666.67 | 38000.00 |
| 4 | 2025-02 | 755.33 | 88.67 | 666.67 | 37333.33 |
| 5 | 2025-03 | 753.78 | 87.11 | 666.67 | 36666.67 |
| 6 | 2025-04 | 752.22 | 85.56 | 666.67 | 36000.00 |
| 7 | 2025-05 | 750.67 | 84.00 | 666.67 | 35333.33 |
| 8 | 2025-06 | 749.11 | 82.44 | 666.67 | 34666.67 |
| 9 | 2025-07 | 747.56 | 80.89 | 666.67 | 34000.00 |
| 10 | 2025-08 | 746.00 | 79.33 | 666.67 | 33333.33 |
| 11 | 2025-09 | 744.44 | 77.78 | 666.67 | 32666.67 |
| 12 | 2025-10 | 742.89 | 76.22 | 666.67 | 32000.00 |
| 13 | 2025-11 | 741.33 | 74.67 | 666.67 | 31333.33 |
| 14 | 2025-12 | 739.78 | 73.11 | 666.67 | 30666.67 |
| 15 | 2026-01 | 738.22 | 71.56 | 666.67 | 30000.00 |
| 16 | 2026-02 | 736.67 | 70.00 | 666.67 | 29333.33 |
| 17 | 2026-03 | 735.11 | 68.44 | 666.67 | 28666.67 |
| 18 | 2026-04 | 733.56 | 66.89 | 666.67 | 28000.00 |
| 19 | 2026-05 | 732.00 | 65.33 | 666.67 | 27333.33 |
| 20 | 2026-06 | 730.44 | 63.78 | 666.67 | 26666.67 |
| 21 | 2026-07 | 728.89 | 62.22 | 666.67 | 26000.00 |
| 22 | 2026-08 | 727.33 | 60.67 | 666.67 | 25333.33 |
| 23 | 2026-09 | 725.78 | 59.11 | 666.67 | 24666.67 |
| 24 | 2026-10 | 724.22 | 57.56 | 666.67 | 24000.00 |
| 25 | 2026-11 | 722.67 | 56.00 | 666.67 | 23333.33 |
| 26 | 2026-12 | 721.11 | 54.44 | 666.67 | 22666.67 |
| 27 | 2027-01 | 719.56 | 52.89 | 666.67 | 22000.00 |
| 28 | 2027-02 | 718.00 | 51.33 | 666.67 | 21333.33 |
| 29 | 2027-03 | 716.44 | 49.78 | 666.67 | 20666.67 |
| 30 | 2027-04 | 714.89 | 48.22 | 666.67 | 20000.00 |
| 31 | 2027-05 | 713.33 | 46.67 | 666.67 | 19333.33 |
| 32 | 2027-06 | 711.78 | 45.11 | 666.67 | 18666.67 |
| 33 | 2027-07 | 710.22 | 43.56 | 666.67 | 18000.00 |
| 34 | 2027-08 | 708.67 | 42.00 | 666.67 | 17333.33 |
| 35 | 2027-09 | 707.11 | 40.44 | 666.67 | 16666.67 |
| 36 | 2027-10 | 705.56 | 38.89 | 666.67 | 16000.00 |
| 37 | 2027-11 | 704.00 | 37.33 | 666.67 | 15333.33 |
| 38 | 2027-12 | 702.44 | 35.78 | 666.67 | 14666.67 |
| 39 | 2028-01 | 700.89 | 34.22 | 666.67 | 14000.00 |
| 40 | 2028-02 | 699.33 | 32.67 | 666.67 | 13333.33 |
| 41 | 2028-03 | 697.78 | 31.11 | 666.67 | 12666.67 |
| 42 | 2028-04 | 696.22 | 29.56 | 666.67 | 12000.00 |
| 43 | 2028-05 | 694.67 | 28.00 | 666.67 | 11333.33 |
| 44 | 2028-06 | 693.11 | 26.44 | 666.67 | 10666.67 |
| 45 | 2028-07 | 691.56 | 24.89 | 666.67 | 10000.00 |
| 46 | 2028-08 | 690.00 | 23.33 | 666.67 | 9333.33 |
| 47 | 2028-09 | 688.44 | 21.78 | 666.67 | 8666.67 |
| 48 | 2028-10 | 686.89 | 20.22 | 666.67 | 8000.00 |
| 49 | 2028-11 | 685.33 | 18.67 | 666.67 | 7333.33 |
| 50 | 2028-12 | 683.78 | 17.11 | 666.67 | 6666.67 |
| 51 | 2029-01 | 682.22 | 15.56 | 666.67 | 6000.00 |
| 52 | 2029-02 | 680.67 | 14.00 | 666.67 | 5333.33 |
| 53 | 2029-03 | 679.11 | 12.44 | 666.67 | 4666.67 |
| 54 | 2029-04 | 677.56 | 10.89 | 666.67 | 4000.00 |
| 55 | 2029-05 | 676.00 | 9.33 | 666.67 | 3333.33 |
| 56 | 2029-06 | 674.44 | 7.78 | 666.67 | 2666.67 |
| 57 | 2029-07 | 672.89 | 6.22 | 666.67 | 2000.00 |
| 58 | 2029-08 | 671.33 | 4.67 | 666.67 | 1333.33 |
| 59 | 2029-09 | 669.78 | 3.11 | 666.67 | 666.67 |
| 60 | 2029-10 | 668.22 | 1.56 | 666.67 | 0.00 |