贷款50万（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：50万
还款月数：4年
每月还款：11122.5元
利息总额：3.39万
本息合计：53.39万
| 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 | 11122.50 | 1354.17 | 9768.33 | 490231.67 |
| 2 | 2025-02 | 11122.50 | 1327.71 | 9794.78 | 480436.89 |
| 3 | 2025-03 | 11122.50 | 1301.18 | 9821.31 | 470615.57 |
| 4 | 2025-04 | 11122.50 | 1274.58 | 9847.91 | 460767.66 |
| 5 | 2025-05 | 11122.50 | 1247.91 | 9874.58 | 450893.08 |
| 6 | 2025-06 | 11122.50 | 1221.17 | 9901.33 | 440991.75 |
| 7 | 2025-07 | 11122.50 | 1194.35 | 9928.14 | 431063.61 |
| 8 | 2025-08 | 11122.50 | 1167.46 | 9955.03 | 421108.58 |
| 9 | 2025-09 | 11122.50 | 1140.50 | 9981.99 | 411126.58 |
| 10 | 2025-10 | 11122.50 | 1113.47 | 10009.03 | 401117.56 |
| 11 | 2025-11 | 11122.50 | 1086.36 | 10036.14 | 391081.42 |
| 12 | 2025-12 | 11122.50 | 1059.18 | 10063.32 | 381018.10 |
| 13 | 2026-01 | 11122.50 | 1031.92 | 10090.57 | 370927.53 |
| 14 | 2026-02 | 11122.50 | 1004.60 | 10117.90 | 360809.63 |
| 15 | 2026-03 | 11122.50 | 977.19 | 10145.30 | 350664.33 |
| 16 | 2026-04 | 11122.50 | 949.72 | 10172.78 | 340491.55 |
| 17 | 2026-05 | 11122.50 | 922.16 | 10200.33 | 330291.22 |
| 18 | 2026-06 | 11122.50 | 894.54 | 10227.96 | 320063.26 |
| 19 | 2026-07 | 11122.50 | 866.84 | 10255.66 | 309807.60 |
| 20 | 2026-08 | 11122.50 | 839.06 | 10283.43 | 299524.17 |
| 21 | 2026-09 | 11122.50 | 811.21 | 10311.28 | 289212.88 |
| 22 | 2026-10 | 11122.50 | 783.28 | 10339.21 | 278873.67 |
| 23 | 2026-11 | 11122.50 | 755.28 | 10367.21 | 268506.46 |
| 24 | 2026-12 | 11122.50 | 727.20 | 10395.29 | 258111.17 |
| 25 | 2027-01 | 11122.50 | 699.05 | 10423.44 | 247687.72 |
| 26 | 2027-02 | 11122.50 | 670.82 | 10451.67 | 237236.05 |
| 27 | 2027-03 | 11122.50 | 642.51 | 10479.98 | 226756.07 |
| 28 | 2027-04 | 11122.50 | 614.13 | 10508.36 | 216247.70 |
| 29 | 2027-05 | 11122.50 | 585.67 | 10536.82 | 205710.88 |
| 30 | 2027-06 | 11122.50 | 557.13 | 10565.36 | 195145.52 |
| 31 | 2027-07 | 11122.50 | 528.52 | 10593.98 | 184551.54 |
| 32 | 2027-08 | 11122.50 | 499.83 | 10622.67 | 173928.87 |
| 33 | 2027-09 | 11122.50 | 471.06 | 10651.44 | 163277.43 |
| 34 | 2027-10 | 11122.50 | 442.21 | 10680.29 | 152597.15 |
| 35 | 2027-11 | 11122.50 | 413.28 | 10709.21 | 141887.94 |
| 36 | 2027-12 | 11122.50 | 384.28 | 10738.22 | 131149.72 |
| 37 | 2028-01 | 11122.50 | 355.20 | 10767.30 | 120382.42 |
| 38 | 2028-02 | 11122.50 | 326.04 | 10796.46 | 109585.96 |
| 39 | 2028-03 | 11122.50 | 296.80 | 10825.70 | 98760.26 |
| 40 | 2028-04 | 11122.50 | 267.48 | 10855.02 | 87905.24 |
| 41 | 2028-05 | 11122.50 | 238.08 | 10884.42 | 77020.82 |
| 42 | 2028-06 | 11122.50 | 208.60 | 10913.90 | 66106.92 |
| 43 | 2028-07 | 11122.50 | 179.04 | 10943.46 | 55163.47 |
| 44 | 2028-08 | 11122.50 | 149.40 | 10973.09 | 44190.37 |
| 45 | 2028-09 | 11122.50 | 119.68 | 11002.81 | 33187.56 |
| 46 | 2028-10 | 11122.50 | 89.88 | 11032.61 | 22154.95 |
| 47 | 2028-11 | 11122.50 | 60.00 | 11062.49 | 11092.45 |
| 48 | 2028-12 | 11122.50 | 30.04 | 11092.45 | 0.00 |
等额本金还款方式：
贷款总额：50万
还款月数：4年
首月还款：11770.83元
每月递减：28.21元
利息总额：3.32万
本息合计：53.32万
节省利息：702.71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 | 11770.83 | 1354.17 | 10416.67 | 489583.33 |
| 2 | 2025-02 | 11742.62 | 1325.95 | 10416.67 | 479166.67 |
| 3 | 2025-03 | 11714.41 | 1297.74 | 10416.67 | 468750.00 |
| 4 | 2025-04 | 11686.20 | 1269.53 | 10416.67 | 458333.33 |
| 5 | 2025-05 | 11657.99 | 1241.32 | 10416.67 | 447916.67 |
| 6 | 2025-06 | 11629.77 | 1213.11 | 10416.67 | 437500.00 |
| 7 | 2025-07 | 11601.56 | 1184.90 | 10416.67 | 427083.33 |
| 8 | 2025-08 | 11573.35 | 1156.68 | 10416.67 | 416666.67 |
| 9 | 2025-09 | 11545.14 | 1128.47 | 10416.67 | 406250.00 |
| 10 | 2025-10 | 11516.93 | 1100.26 | 10416.67 | 395833.33 |
| 11 | 2025-11 | 11488.72 | 1072.05 | 10416.67 | 385416.67 |
| 12 | 2025-12 | 11460.50 | 1043.84 | 10416.67 | 375000.00 |
| 13 | 2026-01 | 11432.29 | 1015.63 | 10416.67 | 364583.33 |
| 14 | 2026-02 | 11404.08 | 987.41 | 10416.67 | 354166.67 |
| 15 | 2026-03 | 11375.87 | 959.20 | 10416.67 | 343750.00 |
| 16 | 2026-04 | 11347.66 | 930.99 | 10416.67 | 333333.33 |
| 17 | 2026-05 | 11319.44 | 902.78 | 10416.67 | 322916.67 |
| 18 | 2026-06 | 11291.23 | 874.57 | 10416.67 | 312500.00 |
| 19 | 2026-07 | 11263.02 | 846.35 | 10416.67 | 302083.33 |
| 20 | 2026-08 | 11234.81 | 818.14 | 10416.67 | 291666.67 |
| 21 | 2026-09 | 11206.60 | 789.93 | 10416.67 | 281250.00 |
| 22 | 2026-10 | 11178.39 | 761.72 | 10416.67 | 270833.33 |
| 23 | 2026-11 | 11150.17 | 733.51 | 10416.67 | 260416.67 |
| 24 | 2026-12 | 11121.96 | 705.30 | 10416.67 | 250000.00 |
| 25 | 2027-01 | 11093.75 | 677.08 | 10416.67 | 239583.33 |
| 26 | 2027-02 | 11065.54 | 648.87 | 10416.67 | 229166.67 |
| 27 | 2027-03 | 11037.33 | 620.66 | 10416.67 | 218750.00 |
| 28 | 2027-04 | 11009.11 | 592.45 | 10416.67 | 208333.33 |
| 29 | 2027-05 | 10980.90 | 564.24 | 10416.67 | 197916.67 |
| 30 | 2027-06 | 10952.69 | 536.02 | 10416.67 | 187500.00 |
| 31 | 2027-07 | 10924.48 | 507.81 | 10416.67 | 177083.33 |
| 32 | 2027-08 | 10896.27 | 479.60 | 10416.67 | 166666.67 |
| 33 | 2027-09 | 10868.06 | 451.39 | 10416.67 | 156250.00 |
| 34 | 2027-10 | 10839.84 | 423.18 | 10416.67 | 145833.33 |
| 35 | 2027-11 | 10811.63 | 394.97 | 10416.67 | 135416.67 |
| 36 | 2027-12 | 10783.42 | 366.75 | 10416.67 | 125000.00 |
| 37 | 2028-01 | 10755.21 | 338.54 | 10416.67 | 114583.33 |
| 38 | 2028-02 | 10727.00 | 310.33 | 10416.67 | 104166.67 |
| 39 | 2028-03 | 10698.78 | 282.12 | 10416.67 | 93750.00 |
| 40 | 2028-04 | 10670.57 | 253.91 | 10416.67 | 83333.33 |
| 41 | 2028-05 | 10642.36 | 225.69 | 10416.67 | 72916.67 |
| 42 | 2028-06 | 10614.15 | 197.48 | 10416.67 | 62500.00 |
| 43 | 2028-07 | 10585.94 | 169.27 | 10416.67 | 52083.33 |
| 44 | 2028-08 | 10557.73 | 141.06 | 10416.67 | 41666.67 |
| 45 | 2028-09 | 10529.51 | 112.85 | 10416.67 | 31250.00 |
| 46 | 2028-10 | 10501.30 | 84.64 | 10416.67 | 20833.33 |
| 47 | 2028-11 | 10473.09 | 56.42 | 10416.67 | 10416.67 |
| 48 | 2028-12 | 10444.88 | 28.21 | 10416.67 | 0.00 |