贷款2.6万（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：2.6万
还款月数：3年5个月
每月还款：671.44元
利息总额：1528.98元
本息合计：2.75万
| 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 | 671.44 | 71.50 | 599.94 | 25400.06 |
| 2 | 2024-12 | 671.44 | 69.85 | 601.59 | 24798.47 |
| 3 | 2025-01 | 671.44 | 68.20 | 603.24 | 24195.23 |
| 4 | 2025-02 | 671.44 | 66.54 | 604.90 | 23590.33 |
| 5 | 2025-03 | 671.44 | 64.87 | 606.57 | 22983.76 |
| 6 | 2025-04 | 671.44 | 63.21 | 608.23 | 22375.53 |
| 7 | 2025-05 | 671.44 | 61.53 | 609.91 | 21765.62 |
| 8 | 2025-06 | 671.44 | 59.86 | 611.58 | 21154.04 |
| 9 | 2025-07 | 671.44 | 58.17 | 613.27 | 20540.78 |
| 10 | 2025-08 | 671.44 | 56.49 | 614.95 | 19925.82 |
| 11 | 2025-09 | 671.44 | 54.80 | 616.64 | 19309.18 |
| 12 | 2025-10 | 671.44 | 53.10 | 618.34 | 18690.84 |
| 13 | 2025-11 | 671.44 | 51.40 | 620.04 | 18070.80 |
| 14 | 2025-12 | 671.44 | 49.69 | 621.74 | 17449.06 |
| 15 | 2026-01 | 671.44 | 47.98 | 623.45 | 16825.61 |
| 16 | 2026-02 | 671.44 | 46.27 | 625.17 | 16200.44 |
| 17 | 2026-03 | 671.44 | 44.55 | 626.89 | 15573.55 |
| 18 | 2026-04 | 671.44 | 42.83 | 628.61 | 14944.94 |
| 19 | 2026-05 | 671.44 | 41.10 | 630.34 | 14314.60 |
| 20 | 2026-06 | 671.44 | 39.37 | 632.07 | 13682.53 |
| 21 | 2026-07 | 671.44 | 37.63 | 633.81 | 13048.71 |
| 22 | 2026-08 | 671.44 | 35.88 | 635.55 | 12413.16 |
| 23 | 2026-09 | 671.44 | 34.14 | 637.30 | 11775.86 |
| 24 | 2026-10 | 671.44 | 32.38 | 639.06 | 11136.80 |
| 25 | 2026-11 | 671.44 | 30.63 | 640.81 | 10495.99 |
| 26 | 2026-12 | 671.44 | 28.86 | 642.57 | 9853.42 |
| 27 | 2027-01 | 671.44 | 27.10 | 644.34 | 9209.07 |
| 28 | 2027-02 | 671.44 | 25.32 | 646.11 | 8562.96 |
| 29 | 2027-03 | 671.44 | 23.55 | 647.89 | 7915.07 |
| 30 | 2027-04 | 671.44 | 21.77 | 649.67 | 7265.40 |
| 31 | 2027-05 | 671.44 | 19.98 | 651.46 | 6613.94 |
| 32 | 2027-06 | 671.44 | 18.19 | 653.25 | 5960.69 |
| 33 | 2027-07 | 671.44 | 16.39 | 655.05 | 5305.64 |
| 34 | 2027-08 | 671.44 | 14.59 | 656.85 | 4648.79 |
| 35 | 2027-09 | 671.44 | 12.78 | 658.65 | 3990.14 |
| 36 | 2027-10 | 671.44 | 10.97 | 660.47 | 3329.67 |
| 37 | 2027-11 | 671.44 | 9.16 | 662.28 | 2667.39 |
| 38 | 2027-12 | 671.44 | 7.34 | 664.10 | 2003.29 |
| 39 | 2028-01 | 671.44 | 5.51 | 665.93 | 1337.36 |
| 40 | 2028-02 | 671.44 | 3.68 | 667.76 | 669.60 |
| 41 | 2028-03 | 671.44 | 1.84 | 669.60 | 0.00 |
等额本金还款方式：
贷款总额：2.6万
还款月数：3年5个月
首月还款：705.65元
每月递减：1.74元
利息总额：1501.5元
本息合计：2.75万
节省利息：27.48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 | 705.65 | 71.50 | 634.15 | 25365.85 |
| 2 | 2024-12 | 703.90 | 69.76 | 634.15 | 24731.71 |
| 3 | 2025-01 | 702.16 | 68.01 | 634.15 | 24097.56 |
| 4 | 2025-02 | 700.41 | 66.27 | 634.15 | 23463.41 |
| 5 | 2025-03 | 698.67 | 64.52 | 634.15 | 22829.27 |
| 6 | 2025-04 | 696.93 | 62.78 | 634.15 | 22195.12 |
| 7 | 2025-05 | 695.18 | 61.04 | 634.15 | 21560.98 |
| 8 | 2025-06 | 693.44 | 59.29 | 634.15 | 20926.83 |
| 9 | 2025-07 | 691.70 | 57.55 | 634.15 | 20292.68 |
| 10 | 2025-08 | 689.95 | 55.80 | 634.15 | 19658.54 |
| 11 | 2025-09 | 688.21 | 54.06 | 634.15 | 19024.39 |
| 12 | 2025-10 | 686.46 | 52.32 | 634.15 | 18390.24 |
| 13 | 2025-11 | 684.72 | 50.57 | 634.15 | 17756.10 |
| 14 | 2025-12 | 682.98 | 48.83 | 634.15 | 17121.95 |
| 15 | 2026-01 | 681.23 | 47.09 | 634.15 | 16487.80 |
| 16 | 2026-02 | 679.49 | 45.34 | 634.15 | 15853.66 |
| 17 | 2026-03 | 677.74 | 43.60 | 634.15 | 15219.51 |
| 18 | 2026-04 | 676.00 | 41.85 | 634.15 | 14585.37 |
| 19 | 2026-05 | 674.26 | 40.11 | 634.15 | 13951.22 |
| 20 | 2026-06 | 672.51 | 38.37 | 634.15 | 13317.07 |
| 21 | 2026-07 | 670.77 | 36.62 | 634.15 | 12682.93 |
| 22 | 2026-08 | 669.02 | 34.88 | 634.15 | 12048.78 |
| 23 | 2026-09 | 667.28 | 33.13 | 634.15 | 11414.63 |
| 24 | 2026-10 | 665.54 | 31.39 | 634.15 | 10780.49 |
| 25 | 2026-11 | 663.79 | 29.65 | 634.15 | 10146.34 |
| 26 | 2026-12 | 662.05 | 27.90 | 634.15 | 9512.20 |
| 27 | 2027-01 | 660.30 | 26.16 | 634.15 | 8878.05 |
| 28 | 2027-02 | 658.56 | 24.41 | 634.15 | 8243.90 |
| 29 | 2027-03 | 656.82 | 22.67 | 634.15 | 7609.76 |
| 30 | 2027-04 | 655.07 | 20.93 | 634.15 | 6975.61 |
| 31 | 2027-05 | 653.33 | 19.18 | 634.15 | 6341.46 |
| 32 | 2027-06 | 651.59 | 17.44 | 634.15 | 5707.32 |
| 33 | 2027-07 | 649.84 | 15.70 | 634.15 | 5073.17 |
| 34 | 2027-08 | 648.10 | 13.95 | 634.15 | 4439.02 |
| 35 | 2027-09 | 646.35 | 12.21 | 634.15 | 3804.88 |
| 36 | 2027-10 | 644.61 | 10.46 | 634.15 | 3170.73 |
| 37 | 2027-11 | 642.87 | 8.72 | 634.15 | 2536.59 |
| 38 | 2027-12 | 641.12 | 6.98 | 634.15 | 1902.44 |
| 39 | 2028-01 | 639.38 | 5.23 | 634.15 | 1268.29 |
| 40 | 2028-02 | 637.63 | 3.49 | 634.15 | 634.15 |
| 41 | 2028-03 | 635.89 | 1.74 | 634.15 | 0.00 |