贷款6000元（商业贷款）房贷，还款3年5个月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：6000元
还款月数：3年5个月
每月还款：154.95元
利息总额：352.84元
本息合计：6352.84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 | 154.95 | 16.50 | 138.45 | 5861.55 |
| 2 | 2024-12 | 154.95 | 16.12 | 138.83 | 5722.72 |
| 3 | 2025-01 | 154.95 | 15.74 | 139.21 | 5583.51 |
| 4 | 2025-02 | 154.95 | 15.35 | 139.59 | 5443.92 |
| 5 | 2025-03 | 154.95 | 14.97 | 139.98 | 5303.95 |
| 6 | 2025-04 | 154.95 | 14.59 | 140.36 | 5163.58 |
| 7 | 2025-05 | 154.95 | 14.20 | 140.75 | 5022.84 |
| 8 | 2025-06 | 154.95 | 13.81 | 141.13 | 4881.70 |
| 9 | 2025-07 | 154.95 | 13.42 | 141.52 | 4740.18 |
| 10 | 2025-08 | 154.95 | 13.04 | 141.91 | 4598.27 |
| 11 | 2025-09 | 154.95 | 12.65 | 142.30 | 4455.96 |
| 12 | 2025-10 | 154.95 | 12.25 | 142.69 | 4313.27 |
| 13 | 2025-11 | 154.95 | 11.86 | 143.09 | 4170.19 |
| 14 | 2025-12 | 154.95 | 11.47 | 143.48 | 4026.71 |
| 15 | 2026-01 | 154.95 | 11.07 | 143.87 | 3882.83 |
| 16 | 2026-02 | 154.95 | 10.68 | 144.27 | 3738.56 |
| 17 | 2026-03 | 154.95 | 10.28 | 144.67 | 3593.90 |
| 18 | 2026-04 | 154.95 | 9.88 | 145.06 | 3448.83 |
| 19 | 2026-05 | 154.95 | 9.48 | 145.46 | 3303.37 |
| 20 | 2026-06 | 154.95 | 9.08 | 145.86 | 3157.51 |
| 21 | 2026-07 | 154.95 | 8.68 | 146.26 | 3011.24 |
| 22 | 2026-08 | 154.95 | 8.28 | 146.67 | 2864.58 |
| 23 | 2026-09 | 154.95 | 7.88 | 147.07 | 2717.51 |
| 24 | 2026-10 | 154.95 | 7.47 | 147.47 | 2570.03 |
| 25 | 2026-11 | 154.95 | 7.07 | 147.88 | 2422.15 |
| 26 | 2026-12 | 154.95 | 6.66 | 148.29 | 2273.87 |
| 27 | 2027-01 | 154.95 | 6.25 | 148.69 | 2125.17 |
| 28 | 2027-02 | 154.95 | 5.84 | 149.10 | 1976.07 |
| 29 | 2027-03 | 154.95 | 5.43 | 149.51 | 1826.55 |
| 30 | 2027-04 | 154.95 | 5.02 | 149.92 | 1676.63 |
| 31 | 2027-05 | 154.95 | 4.61 | 150.34 | 1526.29 |
| 32 | 2027-06 | 154.95 | 4.20 | 150.75 | 1375.54 |
| 33 | 2027-07 | 154.95 | 3.78 | 151.16 | 1224.38 |
| 34 | 2027-08 | 154.95 | 3.37 | 151.58 | 1072.80 |
| 35 | 2027-09 | 154.95 | 2.95 | 152.00 | 920.80 |
| 36 | 2027-10 | 154.95 | 2.53 | 152.42 | 768.39 |
| 37 | 2027-11 | 154.95 | 2.11 | 152.83 | 615.55 |
| 38 | 2027-12 | 154.95 | 1.69 | 153.25 | 462.30 |
| 39 | 2028-01 | 154.95 | 1.27 | 153.68 | 308.62 |
| 40 | 2028-02 | 154.95 | 0.85 | 154.10 | 154.52 |
| 41 | 2028-03 | 154.95 | 0.42 | 154.52 | 0.00 |
等额本金还款方式：
贷款总额：6000元
还款月数：3年5个月
首月还款：162.84元
每月递减：0.4元
利息总额：346.5元
本息合计：6346.5元
节省利息：6.34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 | 162.84 | 16.50 | 146.34 | 5853.66 |
| 2 | 2024-12 | 162.44 | 16.10 | 146.34 | 5707.32 |
| 3 | 2025-01 | 162.04 | 15.70 | 146.34 | 5560.98 |
| 4 | 2025-02 | 161.63 | 15.29 | 146.34 | 5414.63 |
| 5 | 2025-03 | 161.23 | 14.89 | 146.34 | 5268.29 |
| 6 | 2025-04 | 160.83 | 14.49 | 146.34 | 5121.95 |
| 7 | 2025-05 | 160.43 | 14.09 | 146.34 | 4975.61 |
| 8 | 2025-06 | 160.02 | 13.68 | 146.34 | 4829.27 |
| 9 | 2025-07 | 159.62 | 13.28 | 146.34 | 4682.93 |
| 10 | 2025-08 | 159.22 | 12.88 | 146.34 | 4536.59 |
| 11 | 2025-09 | 158.82 | 12.48 | 146.34 | 4390.24 |
| 12 | 2025-10 | 158.41 | 12.07 | 146.34 | 4243.90 |
| 13 | 2025-11 | 158.01 | 11.67 | 146.34 | 4097.56 |
| 14 | 2025-12 | 157.61 | 11.27 | 146.34 | 3951.22 |
| 15 | 2026-01 | 157.21 | 10.87 | 146.34 | 3804.88 |
| 16 | 2026-02 | 156.80 | 10.46 | 146.34 | 3658.54 |
| 17 | 2026-03 | 156.40 | 10.06 | 146.34 | 3512.20 |
| 18 | 2026-04 | 156.00 | 9.66 | 146.34 | 3365.85 |
| 19 | 2026-05 | 155.60 | 9.26 | 146.34 | 3219.51 |
| 20 | 2026-06 | 155.20 | 8.85 | 146.34 | 3073.17 |
| 21 | 2026-07 | 154.79 | 8.45 | 146.34 | 2926.83 |
| 22 | 2026-08 | 154.39 | 8.05 | 146.34 | 2780.49 |
| 23 | 2026-09 | 153.99 | 7.65 | 146.34 | 2634.15 |
| 24 | 2026-10 | 153.59 | 7.24 | 146.34 | 2487.80 |
| 25 | 2026-11 | 153.18 | 6.84 | 146.34 | 2341.46 |
| 26 | 2026-12 | 152.78 | 6.44 | 146.34 | 2195.12 |
| 27 | 2027-01 | 152.38 | 6.04 | 146.34 | 2048.78 |
| 28 | 2027-02 | 151.98 | 5.63 | 146.34 | 1902.44 |
| 29 | 2027-03 | 151.57 | 5.23 | 146.34 | 1756.10 |
| 30 | 2027-04 | 151.17 | 4.83 | 146.34 | 1609.76 |
| 31 | 2027-05 | 150.77 | 4.43 | 146.34 | 1463.41 |
| 32 | 2027-06 | 150.37 | 4.02 | 146.34 | 1317.07 |
| 33 | 2027-07 | 149.96 | 3.62 | 146.34 | 1170.73 |
| 34 | 2027-08 | 149.56 | 3.22 | 146.34 | 1024.39 |
| 35 | 2027-09 | 149.16 | 2.82 | 146.34 | 878.05 |
| 36 | 2027-10 | 148.76 | 2.41 | 146.34 | 731.71 |
| 37 | 2027-11 | 148.35 | 2.01 | 146.34 | 585.37 |
| 38 | 2027-12 | 147.95 | 1.61 | 146.34 | 439.02 |
| 39 | 2028-01 | 147.55 | 1.21 | 146.34 | 292.68 |
| 40 | 2028-02 | 147.15 | 0.80 | 146.34 | 146.34 |
| 41 | 2028-03 | 146.74 | 0.40 | 146.34 | 0.00 |