贷款9万（商业贷款）房贷，还款5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：9万
还款月数：5年
每月还款：1657.49元
利息总额：9449.22元
本息合计：9.94万
| 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 | 1657.49 | 300.00 | 1357.49 | 88642.51 |
| 2 | 2025-02 | 1657.49 | 295.48 | 1362.01 | 87280.50 |
| 3 | 2025-03 | 1657.49 | 290.94 | 1366.55 | 85913.95 |
| 4 | 2025-04 | 1657.49 | 286.38 | 1371.11 | 84542.84 |
| 5 | 2025-05 | 1657.49 | 281.81 | 1375.68 | 83167.16 |
| 6 | 2025-06 | 1657.49 | 277.22 | 1380.26 | 81786.90 |
| 7 | 2025-07 | 1657.49 | 272.62 | 1384.86 | 80402.04 |
| 8 | 2025-08 | 1657.49 | 268.01 | 1389.48 | 79012.56 |
| 9 | 2025-09 | 1657.49 | 263.38 | 1394.11 | 77618.45 |
| 10 | 2025-10 | 1657.49 | 258.73 | 1398.76 | 76219.69 |
| 11 | 2025-11 | 1657.49 | 254.07 | 1403.42 | 74816.27 |
| 12 | 2025-12 | 1657.49 | 249.39 | 1408.10 | 73408.17 |
| 13 | 2026-01 | 1657.49 | 244.69 | 1412.79 | 71995.37 |
| 14 | 2026-02 | 1657.49 | 239.98 | 1417.50 | 70577.87 |
| 15 | 2026-03 | 1657.49 | 235.26 | 1422.23 | 69155.64 |
| 16 | 2026-04 | 1657.49 | 230.52 | 1426.97 | 67728.67 |
| 17 | 2026-05 | 1657.49 | 225.76 | 1431.72 | 66296.95 |
| 18 | 2026-06 | 1657.49 | 220.99 | 1436.50 | 64860.45 |
| 19 | 2026-07 | 1657.49 | 216.20 | 1441.29 | 63419.17 |
| 20 | 2026-08 | 1657.49 | 211.40 | 1446.09 | 61973.08 |
| 21 | 2026-09 | 1657.49 | 206.58 | 1450.91 | 60522.17 |
| 22 | 2026-10 | 1657.49 | 201.74 | 1455.75 | 59066.42 |
| 23 | 2026-11 | 1657.49 | 196.89 | 1460.60 | 57605.82 |
| 24 | 2026-12 | 1657.49 | 192.02 | 1465.47 | 56140.35 |
| 25 | 2027-01 | 1657.49 | 187.13 | 1470.35 | 54670.00 |
| 26 | 2027-02 | 1657.49 | 182.23 | 1475.25 | 53194.75 |
| 27 | 2027-03 | 1657.49 | 177.32 | 1480.17 | 51714.58 |
| 28 | 2027-04 | 1657.49 | 172.38 | 1485.11 | 50229.47 |
| 29 | 2027-05 | 1657.49 | 167.43 | 1490.06 | 48739.42 |
| 30 | 2027-06 | 1657.49 | 162.46 | 1495.02 | 47244.39 |
| 31 | 2027-07 | 1657.49 | 157.48 | 1500.01 | 45744.39 |
| 32 | 2027-08 | 1657.49 | 152.48 | 1505.01 | 44239.38 |
| 33 | 2027-09 | 1657.49 | 147.46 | 1510.02 | 42729.36 |
| 34 | 2027-10 | 1657.49 | 142.43 | 1515.06 | 41214.30 |
| 35 | 2027-11 | 1657.49 | 137.38 | 1520.11 | 39694.20 |
| 36 | 2027-12 | 1657.49 | 132.31 | 1525.17 | 38169.03 |
| 37 | 2028-01 | 1657.49 | 127.23 | 1530.26 | 36638.77 |
| 38 | 2028-02 | 1657.49 | 122.13 | 1535.36 | 35103.41 |
| 39 | 2028-03 | 1657.49 | 117.01 | 1540.48 | 33562.94 |
| 40 | 2028-04 | 1657.49 | 111.88 | 1545.61 | 32017.33 |
| 41 | 2028-05 | 1657.49 | 106.72 | 1550.76 | 30466.56 |
| 42 | 2028-06 | 1657.49 | 101.56 | 1555.93 | 28910.63 |
| 43 | 2028-07 | 1657.49 | 96.37 | 1561.12 | 27349.51 |
| 44 | 2028-08 | 1657.49 | 91.17 | 1566.32 | 25783.19 |
| 45 | 2028-09 | 1657.49 | 85.94 | 1571.54 | 24211.65 |
| 46 | 2028-10 | 1657.49 | 80.71 | 1576.78 | 22634.87 |
| 47 | 2028-11 | 1657.49 | 75.45 | 1582.04 | 21052.83 |
| 48 | 2028-12 | 1657.49 | 70.18 | 1587.31 | 19465.52 |
| 49 | 2029-01 | 1657.49 | 64.89 | 1592.60 | 17872.92 |
| 50 | 2029-02 | 1657.49 | 59.58 | 1597.91 | 16275.01 |
| 51 | 2029-03 | 1657.49 | 54.25 | 1603.24 | 14671.77 |
| 52 | 2029-04 | 1657.49 | 48.91 | 1608.58 | 13063.19 |
| 53 | 2029-05 | 1657.49 | 43.54 | 1613.94 | 11449.24 |
| 54 | 2029-06 | 1657.49 | 38.16 | 1619.32 | 9829.92 |
| 55 | 2029-07 | 1657.49 | 32.77 | 1624.72 | 8205.20 |
| 56 | 2029-08 | 1657.49 | 27.35 | 1630.14 | 6575.06 |
| 57 | 2029-09 | 1657.49 | 21.92 | 1635.57 | 4939.49 |
| 58 | 2029-10 | 1657.49 | 16.46 | 1641.02 | 3298.47 |
| 59 | 2029-11 | 1657.49 | 10.99 | 1646.49 | 1651.98 |
| 60 | 2029-12 | 1657.49 | 5.51 | 1651.98 | 0.00 |
等额本金还款方式：
贷款总额：9万
还款月数：5年
首月还款：1800元
每月递减：5元
利息总额：9150元
本息合计：9.92万
节省利息：299.22元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 1800.00 | 300.00 | 1500.00 | 88500.00 |
| 2 | 2025-02 | 1795.00 | 295.00 | 1500.00 | 87000.00 |
| 3 | 2025-03 | 1790.00 | 290.00 | 1500.00 | 85500.00 |
| 4 | 2025-04 | 1785.00 | 285.00 | 1500.00 | 84000.00 |
| 5 | 2025-05 | 1780.00 | 280.00 | 1500.00 | 82500.00 |
| 6 | 2025-06 | 1775.00 | 275.00 | 1500.00 | 81000.00 |
| 7 | 2025-07 | 1770.00 | 270.00 | 1500.00 | 79500.00 |
| 8 | 2025-08 | 1765.00 | 265.00 | 1500.00 | 78000.00 |
| 9 | 2025-09 | 1760.00 | 260.00 | 1500.00 | 76500.00 |
| 10 | 2025-10 | 1755.00 | 255.00 | 1500.00 | 75000.00 |
| 11 | 2025-11 | 1750.00 | 250.00 | 1500.00 | 73500.00 |
| 12 | 2025-12 | 1745.00 | 245.00 | 1500.00 | 72000.00 |
| 13 | 2026-01 | 1740.00 | 240.00 | 1500.00 | 70500.00 |
| 14 | 2026-02 | 1735.00 | 235.00 | 1500.00 | 69000.00 |
| 15 | 2026-03 | 1730.00 | 230.00 | 1500.00 | 67500.00 |
| 16 | 2026-04 | 1725.00 | 225.00 | 1500.00 | 66000.00 |
| 17 | 2026-05 | 1720.00 | 220.00 | 1500.00 | 64500.00 |
| 18 | 2026-06 | 1715.00 | 215.00 | 1500.00 | 63000.00 |
| 19 | 2026-07 | 1710.00 | 210.00 | 1500.00 | 61500.00 |
| 20 | 2026-08 | 1705.00 | 205.00 | 1500.00 | 60000.00 |
| 21 | 2026-09 | 1700.00 | 200.00 | 1500.00 | 58500.00 |
| 22 | 2026-10 | 1695.00 | 195.00 | 1500.00 | 57000.00 |
| 23 | 2026-11 | 1690.00 | 190.00 | 1500.00 | 55500.00 |
| 24 | 2026-12 | 1685.00 | 185.00 | 1500.00 | 54000.00 |
| 25 | 2027-01 | 1680.00 | 180.00 | 1500.00 | 52500.00 |
| 26 | 2027-02 | 1675.00 | 175.00 | 1500.00 | 51000.00 |
| 27 | 2027-03 | 1670.00 | 170.00 | 1500.00 | 49500.00 |
| 28 | 2027-04 | 1665.00 | 165.00 | 1500.00 | 48000.00 |
| 29 | 2027-05 | 1660.00 | 160.00 | 1500.00 | 46500.00 |
| 30 | 2027-06 | 1655.00 | 155.00 | 1500.00 | 45000.00 |
| 31 | 2027-07 | 1650.00 | 150.00 | 1500.00 | 43500.00 |
| 32 | 2027-08 | 1645.00 | 145.00 | 1500.00 | 42000.00 |
| 33 | 2027-09 | 1640.00 | 140.00 | 1500.00 | 40500.00 |
| 34 | 2027-10 | 1635.00 | 135.00 | 1500.00 | 39000.00 |
| 35 | 2027-11 | 1630.00 | 130.00 | 1500.00 | 37500.00 |
| 36 | 2027-12 | 1625.00 | 125.00 | 1500.00 | 36000.00 |
| 37 | 2028-01 | 1620.00 | 120.00 | 1500.00 | 34500.00 |
| 38 | 2028-02 | 1615.00 | 115.00 | 1500.00 | 33000.00 |
| 39 | 2028-03 | 1610.00 | 110.00 | 1500.00 | 31500.00 |
| 40 | 2028-04 | 1605.00 | 105.00 | 1500.00 | 30000.00 |
| 41 | 2028-05 | 1600.00 | 100.00 | 1500.00 | 28500.00 |
| 42 | 2028-06 | 1595.00 | 95.00 | 1500.00 | 27000.00 |
| 43 | 2028-07 | 1590.00 | 90.00 | 1500.00 | 25500.00 |
| 44 | 2028-08 | 1585.00 | 85.00 | 1500.00 | 24000.00 |
| 45 | 2028-09 | 1580.00 | 80.00 | 1500.00 | 22500.00 |
| 46 | 2028-10 | 1575.00 | 75.00 | 1500.00 | 21000.00 |
| 47 | 2028-11 | 1570.00 | 70.00 | 1500.00 | 19500.00 |
| 48 | 2028-12 | 1565.00 | 65.00 | 1500.00 | 18000.00 |
| 49 | 2029-01 | 1560.00 | 60.00 | 1500.00 | 16500.00 |
| 50 | 2029-02 | 1555.00 | 55.00 | 1500.00 | 15000.00 |
| 51 | 2029-03 | 1550.00 | 50.00 | 1500.00 | 13500.00 |
| 52 | 2029-04 | 1545.00 | 45.00 | 1500.00 | 12000.00 |
| 53 | 2029-05 | 1540.00 | 40.00 | 1500.00 | 10500.00 |
| 54 | 2029-06 | 1535.00 | 35.00 | 1500.00 | 9000.00 |
| 55 | 2029-07 | 1530.00 | 30.00 | 1500.00 | 7500.00 |
| 56 | 2029-08 | 1525.00 | 25.00 | 1500.00 | 6000.00 |
| 57 | 2029-09 | 1520.00 | 20.00 | 1500.00 | 4500.00 |
| 58 | 2029-10 | 1515.00 | 15.00 | 1500.00 | 3000.00 |
| 59 | 2029-11 | 1510.00 | 10.00 | 1500.00 | 1500.00 |
| 60 | 2029-12 | 1505.00 | 5.00 | 1500.00 | 0.00 |