贷款5万（商业贷款）房贷，还款3年4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：5万
还款月数：3年4个月
每月还款：1321.73元
利息总额：2869.06元
本息合计：5.29万
| 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 | 1321.73 | 137.50 | 1184.23 | 48815.77 |
| 2 | 2024-12 | 1321.73 | 134.24 | 1187.48 | 47628.29 |
| 3 | 2025-01 | 1321.73 | 130.98 | 1190.75 | 46437.54 |
| 4 | 2025-02 | 1321.73 | 127.70 | 1194.02 | 45243.52 |
| 5 | 2025-03 | 1321.73 | 124.42 | 1197.31 | 44046.21 |
| 6 | 2025-04 | 1321.73 | 121.13 | 1200.60 | 42845.61 |
| 7 | 2025-05 | 1321.73 | 117.83 | 1203.90 | 41641.71 |
| 8 | 2025-06 | 1321.73 | 114.51 | 1207.21 | 40434.50 |
| 9 | 2025-07 | 1321.73 | 111.19 | 1210.53 | 39223.97 |
| 10 | 2025-08 | 1321.73 | 107.87 | 1213.86 | 38010.11 |
| 11 | 2025-09 | 1321.73 | 104.53 | 1217.20 | 36792.91 |
| 12 | 2025-10 | 1321.73 | 101.18 | 1220.55 | 35572.36 |
| 13 | 2025-11 | 1321.73 | 97.82 | 1223.90 | 34348.46 |
| 14 | 2025-12 | 1321.73 | 94.46 | 1227.27 | 33121.19 |
| 15 | 2026-01 | 1321.73 | 91.08 | 1230.64 | 31890.55 |
| 16 | 2026-02 | 1321.73 | 87.70 | 1234.03 | 30656.52 |
| 17 | 2026-03 | 1321.73 | 84.31 | 1237.42 | 29419.10 |
| 18 | 2026-04 | 1321.73 | 80.90 | 1240.82 | 28178.28 |
| 19 | 2026-05 | 1321.73 | 77.49 | 1244.24 | 26934.04 |
| 20 | 2026-06 | 1321.73 | 74.07 | 1247.66 | 25686.38 |
| 21 | 2026-07 | 1321.73 | 70.64 | 1251.09 | 24435.30 |
| 22 | 2026-08 | 1321.73 | 67.20 | 1254.53 | 23180.77 |
| 23 | 2026-09 | 1321.73 | 63.75 | 1257.98 | 21922.79 |
| 24 | 2026-10 | 1321.73 | 60.29 | 1261.44 | 20661.35 |
| 25 | 2026-11 | 1321.73 | 56.82 | 1264.91 | 19396.44 |
| 26 | 2026-12 | 1321.73 | 53.34 | 1268.39 | 18128.05 |
| 27 | 2027-01 | 1321.73 | 49.85 | 1271.87 | 16856.18 |
| 28 | 2027-02 | 1321.73 | 46.35 | 1275.37 | 15580.81 |
| 29 | 2027-03 | 1321.73 | 42.85 | 1278.88 | 14301.93 |
| 30 | 2027-04 | 1321.73 | 39.33 | 1282.40 | 13019.53 |
| 31 | 2027-05 | 1321.73 | 35.80 | 1285.92 | 11733.61 |
| 32 | 2027-06 | 1321.73 | 32.27 | 1289.46 | 10444.15 |
| 33 | 2027-07 | 1321.73 | 28.72 | 1293.00 | 9151.15 |
| 34 | 2027-08 | 1321.73 | 25.17 | 1296.56 | 7854.58 |
| 35 | 2027-09 | 1321.73 | 21.60 | 1300.13 | 6554.46 |
| 36 | 2027-10 | 1321.73 | 18.02 | 1303.70 | 5250.76 |
| 37 | 2027-11 | 1321.73 | 14.44 | 1307.29 | 3943.47 |
| 38 | 2027-12 | 1321.73 | 10.84 | 1310.88 | 2632.59 |
| 39 | 2028-01 | 1321.73 | 7.24 | 1314.49 | 1318.10 |
| 40 | 2028-02 | 1321.73 | 3.62 | 1318.10 | 0.00 |
等额本金还款方式：
贷款总额：5万
还款月数：3年4个月
首月还款：1387.5元
每月递减：3.44元
利息总额：2818.75元
本息合计：5.28万
节省利息：50.31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 | 1387.50 | 137.50 | 1250.00 | 48750.00 |
| 2 | 2024-12 | 1384.06 | 134.06 | 1250.00 | 47500.00 |
| 3 | 2025-01 | 1380.63 | 130.63 | 1250.00 | 46250.00 |
| 4 | 2025-02 | 1377.19 | 127.19 | 1250.00 | 45000.00 |
| 5 | 2025-03 | 1373.75 | 123.75 | 1250.00 | 43750.00 |
| 6 | 2025-04 | 1370.31 | 120.31 | 1250.00 | 42500.00 |
| 7 | 2025-05 | 1366.88 | 116.88 | 1250.00 | 41250.00 |
| 8 | 2025-06 | 1363.44 | 113.44 | 1250.00 | 40000.00 |
| 9 | 2025-07 | 1360.00 | 110.00 | 1250.00 | 38750.00 |
| 10 | 2025-08 | 1356.56 | 106.56 | 1250.00 | 37500.00 |
| 11 | 2025-09 | 1353.13 | 103.13 | 1250.00 | 36250.00 |
| 12 | 2025-10 | 1349.69 | 99.69 | 1250.00 | 35000.00 |
| 13 | 2025-11 | 1346.25 | 96.25 | 1250.00 | 33750.00 |
| 14 | 2025-12 | 1342.81 | 92.81 | 1250.00 | 32500.00 |
| 15 | 2026-01 | 1339.38 | 89.38 | 1250.00 | 31250.00 |
| 16 | 2026-02 | 1335.94 | 85.94 | 1250.00 | 30000.00 |
| 17 | 2026-03 | 1332.50 | 82.50 | 1250.00 | 28750.00 |
| 18 | 2026-04 | 1329.06 | 79.06 | 1250.00 | 27500.00 |
| 19 | 2026-05 | 1325.63 | 75.63 | 1250.00 | 26250.00 |
| 20 | 2026-06 | 1322.19 | 72.19 | 1250.00 | 25000.00 |
| 21 | 2026-07 | 1318.75 | 68.75 | 1250.00 | 23750.00 |
| 22 | 2026-08 | 1315.31 | 65.31 | 1250.00 | 22500.00 |
| 23 | 2026-09 | 1311.88 | 61.88 | 1250.00 | 21250.00 |
| 24 | 2026-10 | 1308.44 | 58.44 | 1250.00 | 20000.00 |
| 25 | 2026-11 | 1305.00 | 55.00 | 1250.00 | 18750.00 |
| 26 | 2026-12 | 1301.56 | 51.56 | 1250.00 | 17500.00 |
| 27 | 2027-01 | 1298.13 | 48.13 | 1250.00 | 16250.00 |
| 28 | 2027-02 | 1294.69 | 44.69 | 1250.00 | 15000.00 |
| 29 | 2027-03 | 1291.25 | 41.25 | 1250.00 | 13750.00 |
| 30 | 2027-04 | 1287.81 | 37.81 | 1250.00 | 12500.00 |
| 31 | 2027-05 | 1284.38 | 34.38 | 1250.00 | 11250.00 |
| 32 | 2027-06 | 1280.94 | 30.94 | 1250.00 | 10000.00 |
| 33 | 2027-07 | 1277.50 | 27.50 | 1250.00 | 8750.00 |
| 34 | 2027-08 | 1274.06 | 24.06 | 1250.00 | 7500.00 |
| 35 | 2027-09 | 1270.63 | 20.63 | 1250.00 | 6250.00 |
| 36 | 2027-10 | 1267.19 | 17.19 | 1250.00 | 5000.00 |
| 37 | 2027-11 | 1263.75 | 13.75 | 1250.00 | 3750.00 |
| 38 | 2027-12 | 1260.31 | 10.31 | 1250.00 | 2500.00 |
| 39 | 2028-01 | 1256.88 | 6.88 | 1250.00 | 1250.00 |
| 40 | 2028-02 | 1253.44 | 3.44 | 1250.00 | 0.00 |