贷款13.36万（商业贷款）房贷，还款2年6个月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：13.36万
还款月数：2年6个月
每月还款：4660.03元
利息总额：6213.01元
本息合计：13.98万
| 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 | 4660.03 | 395.20 | 4264.84 | 129323.16 |
| 2 | 2025-02 | 4660.03 | 382.58 | 4277.45 | 125045.71 |
| 3 | 2025-03 | 4660.03 | 369.93 | 4290.11 | 120755.60 |
| 4 | 2025-04 | 4660.03 | 357.24 | 4302.80 | 116452.81 |
| 5 | 2025-05 | 4660.03 | 344.51 | 4315.53 | 112137.28 |
| 6 | 2025-06 | 4660.03 | 331.74 | 4328.29 | 107808.98 |
| 7 | 2025-07 | 4660.03 | 318.93 | 4341.10 | 103467.89 |
| 8 | 2025-08 | 4660.03 | 306.09 | 4353.94 | 99113.94 |
| 9 | 2025-09 | 4660.03 | 293.21 | 4366.82 | 94747.12 |
| 10 | 2025-10 | 4660.03 | 280.29 | 4379.74 | 90367.38 |
| 11 | 2025-11 | 4660.03 | 267.34 | 4392.70 | 85974.69 |
| 12 | 2025-12 | 4660.03 | 254.34 | 4405.69 | 81568.99 |
| 13 | 2026-01 | 4660.03 | 241.31 | 4418.73 | 77150.27 |
| 14 | 2026-02 | 4660.03 | 228.24 | 4431.80 | 72718.47 |
| 15 | 2026-03 | 4660.03 | 215.13 | 4444.91 | 68273.56 |
| 16 | 2026-04 | 4660.03 | 201.98 | 4458.06 | 63815.50 |
| 17 | 2026-05 | 4660.03 | 188.79 | 4471.25 | 59344.26 |
| 18 | 2026-06 | 4660.03 | 175.56 | 4484.47 | 54859.78 |
| 19 | 2026-07 | 4660.03 | 162.29 | 4497.74 | 50362.04 |
| 20 | 2026-08 | 4660.03 | 148.99 | 4511.05 | 45851.00 |
| 21 | 2026-09 | 4660.03 | 135.64 | 4524.39 | 41326.61 |
| 22 | 2026-10 | 4660.03 | 122.26 | 4537.78 | 36788.83 |
| 23 | 2026-11 | 4660.03 | 108.83 | 4551.20 | 32237.63 |
| 24 | 2026-12 | 4660.03 | 95.37 | 4564.66 | 27672.97 |
| 25 | 2027-01 | 4660.03 | 81.87 | 4578.17 | 23094.80 |
| 26 | 2027-02 | 4660.03 | 68.32 | 4591.71 | 18503.09 |
| 27 | 2027-03 | 4660.03 | 54.74 | 4605.30 | 13897.79 |
| 28 | 2027-04 | 4660.03 | 41.11 | 4618.92 | 9278.87 |
| 29 | 2027-05 | 4660.03 | 27.45 | 4632.58 | 4646.29 |
| 30 | 2027-06 | 4660.03 | 13.75 | 4646.29 | 0.00 |
等额本金还款方式：
贷款总额：13.36万
还款月数：2年6个月
首月还款：4848.13元
每月递减：13.17元
利息总额：6125.57元
本息合计：13.97万
节省利息：87.45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 | 4848.13 | 395.20 | 4452.93 | 129135.07 |
| 2 | 2025-02 | 4834.96 | 382.02 | 4452.93 | 124682.13 |
| 3 | 2025-03 | 4821.78 | 368.85 | 4452.93 | 120229.20 |
| 4 | 2025-04 | 4808.61 | 355.68 | 4452.93 | 115776.27 |
| 5 | 2025-05 | 4795.44 | 342.50 | 4452.93 | 111323.33 |
| 6 | 2025-06 | 4782.26 | 329.33 | 4452.93 | 106870.40 |
| 7 | 2025-07 | 4769.09 | 316.16 | 4452.93 | 102417.47 |
| 8 | 2025-08 | 4755.92 | 302.99 | 4452.93 | 97964.53 |
| 9 | 2025-09 | 4742.75 | 289.81 | 4452.93 | 93511.60 |
| 10 | 2025-10 | 4729.57 | 276.64 | 4452.93 | 89058.67 |
| 11 | 2025-11 | 4716.40 | 263.47 | 4452.93 | 84605.73 |
| 12 | 2025-12 | 4703.23 | 250.29 | 4452.93 | 80152.80 |
| 13 | 2026-01 | 4690.05 | 237.12 | 4452.93 | 75699.87 |
| 14 | 2026-02 | 4676.88 | 223.95 | 4452.93 | 71246.93 |
| 15 | 2026-03 | 4663.71 | 210.77 | 4452.93 | 66794.00 |
| 16 | 2026-04 | 4650.53 | 197.60 | 4452.93 | 62341.07 |
| 17 | 2026-05 | 4637.36 | 184.43 | 4452.93 | 57888.13 |
| 18 | 2026-06 | 4624.19 | 171.25 | 4452.93 | 53435.20 |
| 19 | 2026-07 | 4611.01 | 158.08 | 4452.93 | 48982.27 |
| 20 | 2026-08 | 4597.84 | 144.91 | 4452.93 | 44529.33 |
| 21 | 2026-09 | 4584.67 | 131.73 | 4452.93 | 40076.40 |
| 22 | 2026-10 | 4571.49 | 118.56 | 4452.93 | 35623.47 |
| 23 | 2026-11 | 4558.32 | 105.39 | 4452.93 | 31170.53 |
| 24 | 2026-12 | 4545.15 | 92.21 | 4452.93 | 26717.60 |
| 25 | 2027-01 | 4531.97 | 79.04 | 4452.93 | 22264.67 |
| 26 | 2027-02 | 4518.80 | 65.87 | 4452.93 | 17811.73 |
| 27 | 2027-03 | 4505.63 | 52.69 | 4452.93 | 13358.80 |
| 28 | 2027-04 | 4492.45 | 39.52 | 4452.93 | 8905.87 |
| 29 | 2027-05 | 4479.28 | 26.35 | 4452.93 | 4452.93 |
| 30 | 2027-06 | 4466.11 | 13.17 | 4452.93 | 0.00 |