贷款1万（商业贷款）房贷，还款4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：1万
还款月数：4年
每月还款：222.67元
利息总额：688.24元
本息合计：1.07万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 222.67 | 27.50 | 195.17 | 9804.83 |
| 2 | 2025-02 | 222.67 | 26.96 | 195.71 | 9609.12 |
| 3 | 2025-03 | 222.67 | 26.43 | 196.25 | 9412.87 |
| 4 | 2025-04 | 222.67 | 25.89 | 196.79 | 9216.09 |
| 5 | 2025-05 | 222.67 | 25.34 | 197.33 | 9018.76 |
| 6 | 2025-06 | 222.67 | 24.80 | 197.87 | 8820.89 |
| 7 | 2025-07 | 222.67 | 24.26 | 198.41 | 8622.48 |
| 8 | 2025-08 | 222.67 | 23.71 | 198.96 | 8423.52 |
| 9 | 2025-09 | 222.67 | 23.16 | 199.51 | 8224.01 |
| 10 | 2025-10 | 222.67 | 22.62 | 200.06 | 8023.95 |
| 11 | 2025-11 | 222.67 | 22.07 | 200.61 | 7823.35 |
| 12 | 2025-12 | 222.67 | 21.51 | 201.16 | 7622.19 |
| 13 | 2026-01 | 222.67 | 20.96 | 201.71 | 7420.48 |
| 14 | 2026-02 | 222.67 | 20.41 | 202.27 | 7218.21 |
| 15 | 2026-03 | 222.67 | 19.85 | 202.82 | 7015.39 |
| 16 | 2026-04 | 222.67 | 19.29 | 203.38 | 6812.01 |
| 17 | 2026-05 | 222.67 | 18.73 | 203.94 | 6608.07 |
| 18 | 2026-06 | 222.67 | 18.17 | 204.50 | 6403.57 |
| 19 | 2026-07 | 222.67 | 17.61 | 205.06 | 6198.51 |
| 20 | 2026-08 | 222.67 | 17.05 | 205.63 | 5992.89 |
| 21 | 2026-09 | 222.67 | 16.48 | 206.19 | 5786.70 |
| 22 | 2026-10 | 222.67 | 15.91 | 206.76 | 5579.94 |
| 23 | 2026-11 | 222.67 | 15.34 | 207.33 | 5372.61 |
| 24 | 2026-12 | 222.67 | 14.77 | 207.90 | 5164.71 |
| 25 | 2027-01 | 222.67 | 14.20 | 208.47 | 4956.25 |
| 26 | 2027-02 | 222.67 | 13.63 | 209.04 | 4747.20 |
| 27 | 2027-03 | 222.67 | 13.05 | 209.62 | 4537.59 |
| 28 | 2027-04 | 222.67 | 12.48 | 210.19 | 4327.39 |
| 29 | 2027-05 | 222.67 | 11.90 | 210.77 | 4116.62 |
| 30 | 2027-06 | 222.67 | 11.32 | 211.35 | 3905.27 |
| 31 | 2027-07 | 222.67 | 10.74 | 211.93 | 3693.34 |
| 32 | 2027-08 | 222.67 | 10.16 | 212.51 | 3480.82 |
| 33 | 2027-09 | 222.67 | 9.57 | 213.10 | 3267.72 |
| 34 | 2027-10 | 222.67 | 8.99 | 213.69 | 3054.04 |
| 35 | 2027-11 | 222.67 | 8.40 | 214.27 | 2839.77 |
| 36 | 2027-12 | 222.67 | 7.81 | 214.86 | 2624.90 |
| 37 | 2028-01 | 222.67 | 7.22 | 215.45 | 2409.45 |
| 38 | 2028-02 | 222.67 | 6.63 | 216.05 | 2193.40 |
| 39 | 2028-03 | 222.67 | 6.03 | 216.64 | 1976.76 |
| 40 | 2028-04 | 222.67 | 5.44 | 217.24 | 1759.53 |
| 41 | 2028-05 | 222.67 | 4.84 | 217.83 | 1541.70 |
| 42 | 2028-06 | 222.67 | 4.24 | 218.43 | 1323.26 |
| 43 | 2028-07 | 222.67 | 3.64 | 219.03 | 1104.23 |
| 44 | 2028-08 | 222.67 | 3.04 | 219.64 | 884.60 |
| 45 | 2028-09 | 222.67 | 2.43 | 220.24 | 664.36 |
| 46 | 2028-10 | 222.67 | 1.83 | 220.84 | 443.51 |
| 47 | 2028-11 | 222.67 | 1.22 | 221.45 | 222.06 |
| 48 | 2028-12 | 222.67 | 0.61 | 222.06 | 0.00 |
等额本金还款方式：
贷款总额：1万
还款月数：4年
首月还款：235.83元
每月递减：0.57元
利息总额：673.75元
本息合计：1.07万
节省利息：14.49元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 235.83 | 27.50 | 208.33 | 9791.67 |
| 2 | 2025-02 | 235.26 | 26.93 | 208.33 | 9583.33 |
| 3 | 2025-03 | 234.69 | 26.35 | 208.33 | 9375.00 |
| 4 | 2025-04 | 234.11 | 25.78 | 208.33 | 9166.67 |
| 5 | 2025-05 | 233.54 | 25.21 | 208.33 | 8958.33 |
| 6 | 2025-06 | 232.97 | 24.64 | 208.33 | 8750.00 |
| 7 | 2025-07 | 232.40 | 24.06 | 208.33 | 8541.67 |
| 8 | 2025-08 | 231.82 | 23.49 | 208.33 | 8333.33 |
| 9 | 2025-09 | 231.25 | 22.92 | 208.33 | 8125.00 |
| 10 | 2025-10 | 230.68 | 22.34 | 208.33 | 7916.67 |
| 11 | 2025-11 | 230.10 | 21.77 | 208.33 | 7708.33 |
| 12 | 2025-12 | 229.53 | 21.20 | 208.33 | 7500.00 |
| 13 | 2026-01 | 228.96 | 20.63 | 208.33 | 7291.67 |
| 14 | 2026-02 | 228.39 | 20.05 | 208.33 | 7083.33 |
| 15 | 2026-03 | 227.81 | 19.48 | 208.33 | 6875.00 |
| 16 | 2026-04 | 227.24 | 18.91 | 208.33 | 6666.67 |
| 17 | 2026-05 | 226.67 | 18.33 | 208.33 | 6458.33 |
| 18 | 2026-06 | 226.09 | 17.76 | 208.33 | 6250.00 |
| 19 | 2026-07 | 225.52 | 17.19 | 208.33 | 6041.67 |
| 20 | 2026-08 | 224.95 | 16.61 | 208.33 | 5833.33 |
| 21 | 2026-09 | 224.38 | 16.04 | 208.33 | 5625.00 |
| 22 | 2026-10 | 223.80 | 15.47 | 208.33 | 5416.67 |
| 23 | 2026-11 | 223.23 | 14.90 | 208.33 | 5208.33 |
| 24 | 2026-12 | 222.66 | 14.32 | 208.33 | 5000.00 |
| 25 | 2027-01 | 222.08 | 13.75 | 208.33 | 4791.67 |
| 26 | 2027-02 | 221.51 | 13.18 | 208.33 | 4583.33 |
| 27 | 2027-03 | 220.94 | 12.60 | 208.33 | 4375.00 |
| 28 | 2027-04 | 220.36 | 12.03 | 208.33 | 4166.67 |
| 29 | 2027-05 | 219.79 | 11.46 | 208.33 | 3958.33 |
| 30 | 2027-06 | 219.22 | 10.89 | 208.33 | 3750.00 |
| 31 | 2027-07 | 218.65 | 10.31 | 208.33 | 3541.67 |
| 32 | 2027-08 | 218.07 | 9.74 | 208.33 | 3333.33 |
| 33 | 2027-09 | 217.50 | 9.17 | 208.33 | 3125.00 |
| 34 | 2027-10 | 216.93 | 8.59 | 208.33 | 2916.67 |
| 35 | 2027-11 | 216.35 | 8.02 | 208.33 | 2708.33 |
| 36 | 2027-12 | 215.78 | 7.45 | 208.33 | 2500.00 |
| 37 | 2028-01 | 215.21 | 6.88 | 208.33 | 2291.67 |
| 38 | 2028-02 | 214.64 | 6.30 | 208.33 | 2083.33 |
| 39 | 2028-03 | 214.06 | 5.73 | 208.33 | 1875.00 |
| 40 | 2028-04 | 213.49 | 5.16 | 208.33 | 1666.67 |
| 41 | 2028-05 | 212.92 | 4.58 | 208.33 | 1458.33 |
| 42 | 2028-06 | 212.34 | 4.01 | 208.33 | 1250.00 |
| 43 | 2028-07 | 211.77 | 3.44 | 208.33 | 1041.67 |
| 44 | 2028-08 | 211.20 | 2.86 | 208.33 | 833.33 |
| 45 | 2028-09 | 210.63 | 2.29 | 208.33 | 625.00 |
| 46 | 2028-10 | 210.05 | 1.72 | 208.33 | 416.67 |
| 47 | 2028-11 | 209.48 | 1.15 | 208.33 | 208.33 |
| 48 | 2028-12 | 208.91 | 0.57 | 208.33 | 0.00 |