贷款36万（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：36万
还款月数：5年
每月还款：6678.8元
利息总额：4.07万
本息合计：40.07万
| 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 | 6678.80 | 1290.00 | 5388.80 | 354611.20 |
| 2 | 2025-02 | 6678.80 | 1270.69 | 5408.11 | 349203.10 |
| 3 | 2025-03 | 6678.80 | 1251.31 | 5427.49 | 343775.61 |
| 4 | 2025-04 | 6678.80 | 1231.86 | 5446.93 | 338328.68 |
| 5 | 2025-05 | 6678.80 | 1212.34 | 5466.45 | 332862.22 |
| 6 | 2025-06 | 6678.80 | 1192.76 | 5486.04 | 327376.18 |
| 7 | 2025-07 | 6678.80 | 1173.10 | 5505.70 | 321870.48 |
| 8 | 2025-08 | 6678.80 | 1153.37 | 5525.43 | 316345.06 |
| 9 | 2025-09 | 6678.80 | 1133.57 | 5545.23 | 310799.83 |
| 10 | 2025-10 | 6678.80 | 1113.70 | 5565.10 | 305234.73 |
| 11 | 2025-11 | 6678.80 | 1093.76 | 5585.04 | 299649.69 |
| 12 | 2025-12 | 6678.80 | 1073.74 | 5605.05 | 294044.64 |
| 13 | 2026-01 | 6678.80 | 1053.66 | 5625.14 | 288419.50 |
| 14 | 2026-02 | 6678.80 | 1033.50 | 5645.29 | 282774.21 |
| 15 | 2026-03 | 6678.80 | 1013.27 | 5665.52 | 277108.68 |
| 16 | 2026-04 | 6678.80 | 992.97 | 5685.82 | 271422.86 |
| 17 | 2026-05 | 6678.80 | 972.60 | 5706.20 | 265716.66 |
| 18 | 2026-06 | 6678.80 | 952.15 | 5726.65 | 259990.02 |
| 19 | 2026-07 | 6678.80 | 931.63 | 5747.17 | 254242.85 |
| 20 | 2026-08 | 6678.80 | 911.04 | 5767.76 | 248475.09 |
| 21 | 2026-09 | 6678.80 | 890.37 | 5788.43 | 242686.66 |
| 22 | 2026-10 | 6678.80 | 869.63 | 5809.17 | 236877.49 |
| 23 | 2026-11 | 6678.80 | 848.81 | 5829.99 | 231047.51 |
| 24 | 2026-12 | 6678.80 | 827.92 | 5850.88 | 225196.63 |
| 25 | 2027-01 | 6678.80 | 806.95 | 5871.84 | 219324.79 |
| 26 | 2027-02 | 6678.80 | 785.91 | 5892.88 | 213431.90 |
| 27 | 2027-03 | 6678.80 | 764.80 | 5914.00 | 207517.90 |
| 28 | 2027-04 | 6678.80 | 743.61 | 5935.19 | 201582.71 |
| 29 | 2027-05 | 6678.80 | 722.34 | 5956.46 | 195626.25 |
| 30 | 2027-06 | 6678.80 | 700.99 | 5977.80 | 189648.45 |
| 31 | 2027-07 | 6678.80 | 679.57 | 5999.22 | 183649.23 |
| 32 | 2027-08 | 6678.80 | 658.08 | 6020.72 | 177628.51 |
| 33 | 2027-09 | 6678.80 | 636.50 | 6042.29 | 171586.21 |
| 34 | 2027-10 | 6678.80 | 614.85 | 6063.95 | 165522.26 |
| 35 | 2027-11 | 6678.80 | 593.12 | 6085.68 | 159436.59 |
| 36 | 2027-12 | 6678.80 | 571.31 | 6107.48 | 153329.11 |
| 37 | 2028-01 | 6678.80 | 549.43 | 6129.37 | 147199.74 |
| 38 | 2028-02 | 6678.80 | 527.47 | 6151.33 | 141048.41 |
| 39 | 2028-03 | 6678.80 | 505.42 | 6173.37 | 134875.03 |
| 40 | 2028-04 | 6678.80 | 483.30 | 6195.49 | 128679.54 |
| 41 | 2028-05 | 6678.80 | 461.10 | 6217.70 | 122461.84 |
| 42 | 2028-06 | 6678.80 | 438.82 | 6239.98 | 116221.87 |
| 43 | 2028-07 | 6678.80 | 416.46 | 6262.34 | 109959.53 |
| 44 | 2028-08 | 6678.80 | 394.02 | 6284.78 | 103674.76 |
| 45 | 2028-09 | 6678.80 | 371.50 | 6307.30 | 97367.46 |
| 46 | 2028-10 | 6678.80 | 348.90 | 6329.90 | 91037.56 |
| 47 | 2028-11 | 6678.80 | 326.22 | 6352.58 | 84684.98 |
| 48 | 2028-12 | 6678.80 | 303.45 | 6375.34 | 78309.64 |
| 49 | 2029-01 | 6678.80 | 280.61 | 6398.19 | 71911.45 |
| 50 | 2029-02 | 6678.80 | 257.68 | 6421.11 | 65490.34 |
| 51 | 2029-03 | 6678.80 | 234.67 | 6444.12 | 59046.22 |
| 52 | 2029-04 | 6678.80 | 211.58 | 6467.21 | 52579.00 |
| 53 | 2029-05 | 6678.80 | 188.41 | 6490.39 | 46088.61 |
| 54 | 2029-06 | 6678.80 | 165.15 | 6513.65 | 39574.97 |
| 55 | 2029-07 | 6678.80 | 141.81 | 6536.99 | 33037.98 |
| 56 | 2029-08 | 6678.80 | 118.39 | 6560.41 | 26477.57 |
| 57 | 2029-09 | 6678.80 | 94.88 | 6583.92 | 19893.65 |
| 58 | 2029-10 | 6678.80 | 71.29 | 6607.51 | 13286.14 |
| 59 | 2029-11 | 6678.80 | 47.61 | 6631.19 | 6654.95 |
| 60 | 2029-12 | 6678.80 | 23.85 | 6654.95 | 0.00 |
等额本金还款方式：
贷款总额：36万
还款月数：5年
首月还款：7290元
每月递减：21.5元
利息总额：3.93万
本息合计：39.93万
节省利息：1382.83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 | 7290.00 | 1290.00 | 6000.00 | 354000.00 |
| 2 | 2025-02 | 7268.50 | 1268.50 | 6000.00 | 348000.00 |
| 3 | 2025-03 | 7247.00 | 1247.00 | 6000.00 | 342000.00 |
| 4 | 2025-04 | 7225.50 | 1225.50 | 6000.00 | 336000.00 |
| 5 | 2025-05 | 7204.00 | 1204.00 | 6000.00 | 330000.00 |
| 6 | 2025-06 | 7182.50 | 1182.50 | 6000.00 | 324000.00 |
| 7 | 2025-07 | 7161.00 | 1161.00 | 6000.00 | 318000.00 |
| 8 | 2025-08 | 7139.50 | 1139.50 | 6000.00 | 312000.00 |
| 9 | 2025-09 | 7118.00 | 1118.00 | 6000.00 | 306000.00 |
| 10 | 2025-10 | 7096.50 | 1096.50 | 6000.00 | 300000.00 |
| 11 | 2025-11 | 7075.00 | 1075.00 | 6000.00 | 294000.00 |
| 12 | 2025-12 | 7053.50 | 1053.50 | 6000.00 | 288000.00 |
| 13 | 2026-01 | 7032.00 | 1032.00 | 6000.00 | 282000.00 |
| 14 | 2026-02 | 7010.50 | 1010.50 | 6000.00 | 276000.00 |
| 15 | 2026-03 | 6989.00 | 989.00 | 6000.00 | 270000.00 |
| 16 | 2026-04 | 6967.50 | 967.50 | 6000.00 | 264000.00 |
| 17 | 2026-05 | 6946.00 | 946.00 | 6000.00 | 258000.00 |
| 18 | 2026-06 | 6924.50 | 924.50 | 6000.00 | 252000.00 |
| 19 | 2026-07 | 6903.00 | 903.00 | 6000.00 | 246000.00 |
| 20 | 2026-08 | 6881.50 | 881.50 | 6000.00 | 240000.00 |
| 21 | 2026-09 | 6860.00 | 860.00 | 6000.00 | 234000.00 |
| 22 | 2026-10 | 6838.50 | 838.50 | 6000.00 | 228000.00 |
| 23 | 2026-11 | 6817.00 | 817.00 | 6000.00 | 222000.00 |
| 24 | 2026-12 | 6795.50 | 795.50 | 6000.00 | 216000.00 |
| 25 | 2027-01 | 6774.00 | 774.00 | 6000.00 | 210000.00 |
| 26 | 2027-02 | 6752.50 | 752.50 | 6000.00 | 204000.00 |
| 27 | 2027-03 | 6731.00 | 731.00 | 6000.00 | 198000.00 |
| 28 | 2027-04 | 6709.50 | 709.50 | 6000.00 | 192000.00 |
| 29 | 2027-05 | 6688.00 | 688.00 | 6000.00 | 186000.00 |
| 30 | 2027-06 | 6666.50 | 666.50 | 6000.00 | 180000.00 |
| 31 | 2027-07 | 6645.00 | 645.00 | 6000.00 | 174000.00 |
| 32 | 2027-08 | 6623.50 | 623.50 | 6000.00 | 168000.00 |
| 33 | 2027-09 | 6602.00 | 602.00 | 6000.00 | 162000.00 |
| 34 | 2027-10 | 6580.50 | 580.50 | 6000.00 | 156000.00 |
| 35 | 2027-11 | 6559.00 | 559.00 | 6000.00 | 150000.00 |
| 36 | 2027-12 | 6537.50 | 537.50 | 6000.00 | 144000.00 |
| 37 | 2028-01 | 6516.00 | 516.00 | 6000.00 | 138000.00 |
| 38 | 2028-02 | 6494.50 | 494.50 | 6000.00 | 132000.00 |
| 39 | 2028-03 | 6473.00 | 473.00 | 6000.00 | 126000.00 |
| 40 | 2028-04 | 6451.50 | 451.50 | 6000.00 | 120000.00 |
| 41 | 2028-05 | 6430.00 | 430.00 | 6000.00 | 114000.00 |
| 42 | 2028-06 | 6408.50 | 408.50 | 6000.00 | 108000.00 |
| 43 | 2028-07 | 6387.00 | 387.00 | 6000.00 | 102000.00 |
| 44 | 2028-08 | 6365.50 | 365.50 | 6000.00 | 96000.00 |
| 45 | 2028-09 | 6344.00 | 344.00 | 6000.00 | 90000.00 |
| 46 | 2028-10 | 6322.50 | 322.50 | 6000.00 | 84000.00 |
| 47 | 2028-11 | 6301.00 | 301.00 | 6000.00 | 78000.00 |
| 48 | 2028-12 | 6279.50 | 279.50 | 6000.00 | 72000.00 |
| 49 | 2029-01 | 6258.00 | 258.00 | 6000.00 | 66000.00 |
| 50 | 2029-02 | 6236.50 | 236.50 | 6000.00 | 60000.00 |
| 51 | 2029-03 | 6215.00 | 215.00 | 6000.00 | 54000.00 |
| 52 | 2029-04 | 6193.50 | 193.50 | 6000.00 | 48000.00 |
| 53 | 2029-05 | 6172.00 | 172.00 | 6000.00 | 42000.00 |
| 54 | 2029-06 | 6150.50 | 150.50 | 6000.00 | 36000.00 |
| 55 | 2029-07 | 6129.00 | 129.00 | 6000.00 | 30000.00 |
| 56 | 2029-08 | 6107.50 | 107.50 | 6000.00 | 24000.00 |
| 57 | 2029-09 | 6086.00 | 86.00 | 6000.00 | 18000.00 |
| 58 | 2029-10 | 6064.50 | 64.50 | 6000.00 | 12000.00 |
| 59 | 2029-11 | 6043.00 | 43.00 | 6000.00 | 6000.00 |
| 60 | 2029-12 | 6021.50 | 21.50 | 6000.00 | 0.00 |