贷款3.6万（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：3.6万
还款月数：3年4个月
每月还款：951.64元
利息总额：2065.72元
本息合计：3.81万
| 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 | 951.64 | 99.00 | 852.64 | 35147.36 |
| 2 | 2024-12 | 951.64 | 96.66 | 854.99 | 34292.37 |
| 3 | 2025-01 | 951.64 | 94.30 | 857.34 | 33435.03 |
| 4 | 2025-02 | 951.64 | 91.95 | 859.70 | 32575.33 |
| 5 | 2025-03 | 951.64 | 89.58 | 862.06 | 31713.27 |
| 6 | 2025-04 | 951.64 | 87.21 | 864.43 | 30848.84 |
| 7 | 2025-05 | 951.64 | 84.83 | 866.81 | 29982.03 |
| 8 | 2025-06 | 951.64 | 82.45 | 869.19 | 29112.84 |
| 9 | 2025-07 | 951.64 | 80.06 | 871.58 | 28241.26 |
| 10 | 2025-08 | 951.64 | 77.66 | 873.98 | 27367.28 |
| 11 | 2025-09 | 951.64 | 75.26 | 876.38 | 26490.89 |
| 12 | 2025-10 | 951.64 | 72.85 | 878.79 | 25612.10 |
| 13 | 2025-11 | 951.64 | 70.43 | 881.21 | 24730.89 |
| 14 | 2025-12 | 951.64 | 68.01 | 883.63 | 23847.26 |
| 15 | 2026-01 | 951.64 | 65.58 | 886.06 | 22961.20 |
| 16 | 2026-02 | 951.64 | 63.14 | 888.50 | 22072.70 |
| 17 | 2026-03 | 951.64 | 60.70 | 890.94 | 21181.75 |
| 18 | 2026-04 | 951.64 | 58.25 | 893.39 | 20288.36 |
| 19 | 2026-05 | 951.64 | 55.79 | 895.85 | 19392.51 |
| 20 | 2026-06 | 951.64 | 53.33 | 898.31 | 18494.20 |
| 21 | 2026-07 | 951.64 | 50.86 | 900.78 | 17593.41 |
| 22 | 2026-08 | 951.64 | 48.38 | 903.26 | 16690.15 |
| 23 | 2026-09 | 951.64 | 45.90 | 905.75 | 15784.41 |
| 24 | 2026-10 | 951.64 | 43.41 | 908.24 | 14876.17 |
| 25 | 2026-11 | 951.64 | 40.91 | 910.73 | 13965.44 |
| 26 | 2026-12 | 951.64 | 38.40 | 913.24 | 13052.20 |
| 27 | 2027-01 | 951.64 | 35.89 | 915.75 | 12136.45 |
| 28 | 2027-02 | 951.64 | 33.38 | 918.27 | 11218.18 |
| 29 | 2027-03 | 951.64 | 30.85 | 920.79 | 10297.39 |
| 30 | 2027-04 | 951.64 | 28.32 | 923.33 | 9374.06 |
| 31 | 2027-05 | 951.64 | 25.78 | 925.86 | 8448.20 |
| 32 | 2027-06 | 951.64 | 23.23 | 928.41 | 7519.79 |
| 33 | 2027-07 | 951.64 | 20.68 | 930.96 | 6588.82 |
| 34 | 2027-08 | 951.64 | 18.12 | 933.52 | 5655.30 |
| 35 | 2027-09 | 951.64 | 15.55 | 936.09 | 4719.21 |
| 36 | 2027-10 | 951.64 | 12.98 | 938.67 | 3780.55 |
| 37 | 2027-11 | 951.64 | 10.40 | 941.25 | 2839.30 |
| 38 | 2027-12 | 951.64 | 7.81 | 943.83 | 1895.46 |
| 39 | 2028-01 | 951.64 | 5.21 | 946.43 | 949.03 |
| 40 | 2028-02 | 951.64 | 2.61 | 949.03 | 0.00 |
等额本金还款方式：
贷款总额：3.6万
还款月数：3年4个月
首月还款：999元
每月递减：2.48元
利息总额：2029.5元
本息合计：3.8万
节省利息：36.22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 | 999.00 | 99.00 | 900.00 | 35100.00 |
| 2 | 2024-12 | 996.52 | 96.53 | 900.00 | 34200.00 |
| 3 | 2025-01 | 994.05 | 94.05 | 900.00 | 33300.00 |
| 4 | 2025-02 | 991.58 | 91.58 | 900.00 | 32400.00 |
| 5 | 2025-03 | 989.10 | 89.10 | 900.00 | 31500.00 |
| 6 | 2025-04 | 986.63 | 86.63 | 900.00 | 30600.00 |
| 7 | 2025-05 | 984.15 | 84.15 | 900.00 | 29700.00 |
| 8 | 2025-06 | 981.67 | 81.68 | 900.00 | 28800.00 |
| 9 | 2025-07 | 979.20 | 79.20 | 900.00 | 27900.00 |
| 10 | 2025-08 | 976.73 | 76.73 | 900.00 | 27000.00 |
| 11 | 2025-09 | 974.25 | 74.25 | 900.00 | 26100.00 |
| 12 | 2025-10 | 971.77 | 71.78 | 900.00 | 25200.00 |
| 13 | 2025-11 | 969.30 | 69.30 | 900.00 | 24300.00 |
| 14 | 2025-12 | 966.83 | 66.83 | 900.00 | 23400.00 |
| 15 | 2026-01 | 964.35 | 64.35 | 900.00 | 22500.00 |
| 16 | 2026-02 | 961.88 | 61.88 | 900.00 | 21600.00 |
| 17 | 2026-03 | 959.40 | 59.40 | 900.00 | 20700.00 |
| 18 | 2026-04 | 956.92 | 56.93 | 900.00 | 19800.00 |
| 19 | 2026-05 | 954.45 | 54.45 | 900.00 | 18900.00 |
| 20 | 2026-06 | 951.98 | 51.98 | 900.00 | 18000.00 |
| 21 | 2026-07 | 949.50 | 49.50 | 900.00 | 17100.00 |
| 22 | 2026-08 | 947.02 | 47.03 | 900.00 | 16200.00 |
| 23 | 2026-09 | 944.55 | 44.55 | 900.00 | 15300.00 |
| 24 | 2026-10 | 942.08 | 42.08 | 900.00 | 14400.00 |
| 25 | 2026-11 | 939.60 | 39.60 | 900.00 | 13500.00 |
| 26 | 2026-12 | 937.13 | 37.13 | 900.00 | 12600.00 |
| 27 | 2027-01 | 934.65 | 34.65 | 900.00 | 11700.00 |
| 28 | 2027-02 | 932.17 | 32.18 | 900.00 | 10800.00 |
| 29 | 2027-03 | 929.70 | 29.70 | 900.00 | 9900.00 |
| 30 | 2027-04 | 927.23 | 27.23 | 900.00 | 9000.00 |
| 31 | 2027-05 | 924.75 | 24.75 | 900.00 | 8100.00 |
| 32 | 2027-06 | 922.27 | 22.28 | 900.00 | 7200.00 |
| 33 | 2027-07 | 919.80 | 19.80 | 900.00 | 6300.00 |
| 34 | 2027-08 | 917.33 | 17.33 | 900.00 | 5400.00 |
| 35 | 2027-09 | 914.85 | 14.85 | 900.00 | 4500.00 |
| 36 | 2027-10 | 912.38 | 12.38 | 900.00 | 3600.00 |
| 37 | 2027-11 | 909.90 | 9.90 | 900.00 | 2700.00 |
| 38 | 2027-12 | 907.42 | 7.43 | 900.00 | 1800.00 |
| 39 | 2028-01 | 904.95 | 4.95 | 900.00 | 900.00 |
| 40 | 2028-02 | 902.48 | 2.48 | 900.00 | 0.00 |