上海贷款340元（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：340元
还款月数：5年
每月还款：6.06元
利息总额：23.4元
本息合计：363.4元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 6.06 | 0.75 | 5.31 | 334.69 |
| 2 | 2025-03 | 6.06 | 0.74 | 5.32 | 329.38 |
| 3 | 2025-04 | 6.06 | 0.73 | 5.33 | 324.05 |
| 4 | 2025-05 | 6.06 | 0.72 | 5.34 | 318.71 |
| 5 | 2025-06 | 6.06 | 0.70 | 5.35 | 313.35 |
| 6 | 2025-07 | 6.06 | 0.69 | 5.36 | 307.99 |
| 7 | 2025-08 | 6.06 | 0.68 | 5.38 | 302.61 |
| 8 | 2025-09 | 6.06 | 0.67 | 5.39 | 297.22 |
| 9 | 2025-10 | 6.06 | 0.66 | 5.40 | 291.82 |
| 10 | 2025-11 | 6.06 | 0.64 | 5.41 | 286.41 |
| 11 | 2025-12 | 6.06 | 0.63 | 5.42 | 280.99 |
| 12 | 2026-01 | 6.06 | 0.62 | 5.44 | 275.55 |
| 13 | 2026-02 | 6.06 | 0.61 | 5.45 | 270.10 |
| 14 | 2026-03 | 6.06 | 0.60 | 5.46 | 264.64 |
| 15 | 2026-04 | 6.06 | 0.58 | 5.47 | 259.17 |
| 16 | 2026-05 | 6.06 | 0.57 | 5.48 | 253.69 |
| 17 | 2026-06 | 6.06 | 0.56 | 5.50 | 248.19 |
| 18 | 2026-07 | 6.06 | 0.55 | 5.51 | 242.68 |
| 19 | 2026-08 | 6.06 | 0.54 | 5.52 | 237.16 |
| 20 | 2026-09 | 6.06 | 0.52 | 5.53 | 231.63 |
| 21 | 2026-10 | 6.06 | 0.51 | 5.55 | 226.08 |
| 22 | 2026-11 | 6.06 | 0.50 | 5.56 | 220.53 |
| 23 | 2026-12 | 6.06 | 0.49 | 5.57 | 214.96 |
| 24 | 2027-01 | 6.06 | 0.47 | 5.58 | 209.37 |
| 25 | 2027-02 | 6.06 | 0.46 | 5.59 | 203.78 |
| 26 | 2027-03 | 6.06 | 0.45 | 5.61 | 198.17 |
| 27 | 2027-04 | 6.06 | 0.44 | 5.62 | 192.55 |
| 28 | 2027-05 | 6.06 | 0.43 | 5.63 | 186.92 |
| 29 | 2027-06 | 6.06 | 0.41 | 5.64 | 181.28 |
| 30 | 2027-07 | 6.06 | 0.40 | 5.66 | 175.62 |
| 31 | 2027-08 | 6.06 | 0.39 | 5.67 | 169.95 |
| 32 | 2027-09 | 6.06 | 0.38 | 5.68 | 164.27 |
| 33 | 2027-10 | 6.06 | 0.36 | 5.69 | 158.58 |
| 34 | 2027-11 | 6.06 | 0.35 | 5.71 | 152.87 |
| 35 | 2027-12 | 6.06 | 0.34 | 5.72 | 147.15 |
| 36 | 2028-01 | 6.06 | 0.32 | 5.73 | 141.42 |
| 37 | 2028-02 | 6.06 | 0.31 | 5.74 | 135.68 |
| 38 | 2028-03 | 6.06 | 0.30 | 5.76 | 129.92 |
| 39 | 2028-04 | 6.06 | 0.29 | 5.77 | 124.15 |
| 40 | 2028-05 | 6.06 | 0.27 | 5.78 | 118.37 |
| 41 | 2028-06 | 6.06 | 0.26 | 5.80 | 112.57 |
| 42 | 2028-07 | 6.06 | 0.25 | 5.81 | 106.77 |
| 43 | 2028-08 | 6.06 | 0.24 | 5.82 | 100.94 |
| 44 | 2028-09 | 6.06 | 0.22 | 5.83 | 95.11 |
| 45 | 2028-10 | 6.06 | 0.21 | 5.85 | 89.26 |
| 46 | 2028-11 | 6.06 | 0.20 | 5.86 | 83.40 |
| 47 | 2028-12 | 6.06 | 0.18 | 5.87 | 77.53 |
| 48 | 2029-01 | 6.06 | 0.17 | 5.89 | 71.65 |
| 49 | 2029-02 | 6.06 | 0.16 | 5.90 | 65.75 |
| 50 | 2029-03 | 6.06 | 0.15 | 5.91 | 59.84 |
| 51 | 2029-04 | 6.06 | 0.13 | 5.92 | 53.91 |
| 52 | 2029-05 | 6.06 | 0.12 | 5.94 | 47.97 |
| 53 | 2029-06 | 6.06 | 0.11 | 5.95 | 42.02 |
| 54 | 2029-07 | 6.06 | 0.09 | 5.96 | 36.06 |
| 55 | 2029-08 | 6.06 | 0.08 | 5.98 | 30.08 |
| 56 | 2029-09 | 6.06 | 0.07 | 5.99 | 24.09 |
| 57 | 2029-10 | 6.06 | 0.05 | 6.00 | 18.09 |
| 58 | 2029-11 | 6.06 | 0.04 | 6.02 | 12.07 |
| 59 | 2029-12 | 6.06 | 0.03 | 6.03 | 6.04 |
| 60 | 2030-01 | 6.06 | 0.01 | 6.04 | 0.00 |
等额本金还款方式：
贷款总额：340元
还款月数：5年
首月还款：6.42元
每月递减：0.01元
利息总额：22.9元
本息合计：362.9元
节省利息：0.5元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 6.42 | 0.75 | 5.67 | 334.33 |
| 2 | 2025-03 | 6.40 | 0.74 | 5.67 | 328.67 |
| 3 | 2025-04 | 6.39 | 0.73 | 5.67 | 323.00 |
| 4 | 2025-05 | 6.38 | 0.71 | 5.67 | 317.33 |
| 5 | 2025-06 | 6.37 | 0.70 | 5.67 | 311.67 |
| 6 | 2025-07 | 6.35 | 0.69 | 5.67 | 306.00 |
| 7 | 2025-08 | 6.34 | 0.68 | 5.67 | 300.33 |
| 8 | 2025-09 | 6.33 | 0.66 | 5.67 | 294.67 |
| 9 | 2025-10 | 6.32 | 0.65 | 5.67 | 289.00 |
| 10 | 2025-11 | 6.30 | 0.64 | 5.67 | 283.33 |
| 11 | 2025-12 | 6.29 | 0.63 | 5.67 | 277.67 |
| 12 | 2026-01 | 6.28 | 0.61 | 5.67 | 272.00 |
| 13 | 2026-02 | 6.27 | 0.60 | 5.67 | 266.33 |
| 14 | 2026-03 | 6.25 | 0.59 | 5.67 | 260.67 |
| 15 | 2026-04 | 6.24 | 0.58 | 5.67 | 255.00 |
| 16 | 2026-05 | 6.23 | 0.56 | 5.67 | 249.33 |
| 17 | 2026-06 | 6.22 | 0.55 | 5.67 | 243.67 |
| 18 | 2026-07 | 6.20 | 0.54 | 5.67 | 238.00 |
| 19 | 2026-08 | 6.19 | 0.53 | 5.67 | 232.33 |
| 20 | 2026-09 | 6.18 | 0.51 | 5.67 | 226.67 |
| 21 | 2026-10 | 6.17 | 0.50 | 5.67 | 221.00 |
| 22 | 2026-11 | 6.15 | 0.49 | 5.67 | 215.33 |
| 23 | 2026-12 | 6.14 | 0.48 | 5.67 | 209.67 |
| 24 | 2027-01 | 6.13 | 0.46 | 5.67 | 204.00 |
| 25 | 2027-02 | 6.12 | 0.45 | 5.67 | 198.33 |
| 26 | 2027-03 | 6.10 | 0.44 | 5.67 | 192.67 |
| 27 | 2027-04 | 6.09 | 0.43 | 5.67 | 187.00 |
| 28 | 2027-05 | 6.08 | 0.41 | 5.67 | 181.33 |
| 29 | 2027-06 | 6.07 | 0.40 | 5.67 | 175.67 |
| 30 | 2027-07 | 6.05 | 0.39 | 5.67 | 170.00 |
| 31 | 2027-08 | 6.04 | 0.38 | 5.67 | 164.33 |
| 32 | 2027-09 | 6.03 | 0.36 | 5.67 | 158.67 |
| 33 | 2027-10 | 6.02 | 0.35 | 5.67 | 153.00 |
| 34 | 2027-11 | 6.00 | 0.34 | 5.67 | 147.33 |
| 35 | 2027-12 | 5.99 | 0.33 | 5.67 | 141.67 |
| 36 | 2028-01 | 5.98 | 0.31 | 5.67 | 136.00 |
| 37 | 2028-02 | 5.97 | 0.30 | 5.67 | 130.33 |
| 38 | 2028-03 | 5.95 | 0.29 | 5.67 | 124.67 |
| 39 | 2028-04 | 5.94 | 0.28 | 5.67 | 119.00 |
| 40 | 2028-05 | 5.93 | 0.26 | 5.67 | 113.33 |
| 41 | 2028-06 | 5.92 | 0.25 | 5.67 | 107.67 |
| 42 | 2028-07 | 5.90 | 0.24 | 5.67 | 102.00 |
| 43 | 2028-08 | 5.89 | 0.23 | 5.67 | 96.33 |
| 44 | 2028-09 | 5.88 | 0.21 | 5.67 | 90.67 |
| 45 | 2028-10 | 5.87 | 0.20 | 5.67 | 85.00 |
| 46 | 2028-11 | 5.85 | 0.19 | 5.67 | 79.33 |
| 47 | 2028-12 | 5.84 | 0.18 | 5.67 | 73.67 |
| 48 | 2029-01 | 5.83 | 0.16 | 5.67 | 68.00 |
| 49 | 2029-02 | 5.82 | 0.15 | 5.67 | 62.33 |
| 50 | 2029-03 | 5.80 | 0.14 | 5.67 | 56.67 |
| 51 | 2029-04 | 5.79 | 0.13 | 5.67 | 51.00 |
| 52 | 2029-05 | 5.78 | 0.11 | 5.67 | 45.33 |
| 53 | 2029-06 | 5.77 | 0.10 | 5.67 | 39.67 |
| 54 | 2029-07 | 5.75 | 0.09 | 5.67 | 34.00 |
| 55 | 2029-08 | 5.74 | 0.08 | 5.67 | 28.33 |
| 56 | 2029-09 | 5.73 | 0.06 | 5.67 | 22.67 |
| 57 | 2029-10 | 5.72 | 0.05 | 5.67 | 17.00 |
| 58 | 2029-11 | 5.70 | 0.04 | 5.67 | 11.33 |
| 59 | 2029-12 | 5.69 | 0.03 | 5.67 | 5.67 |
| 60 | 2030-01 | 5.68 | 0.01 | 5.67 | 0.00 |