贷款1.5万（商业贷款）房贷，还款10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：1.5万
还款月数：10年
每月还款：145.88元
利息总额：2505.84元
本息合计：1.75万
| 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 | 145.88 | 39.38 | 106.51 | 14893.49 |
| 2 | 2025-02 | 145.88 | 39.10 | 106.79 | 14786.71 |
| 3 | 2025-03 | 145.88 | 38.82 | 107.07 | 14679.64 |
| 4 | 2025-04 | 145.88 | 38.53 | 107.35 | 14572.29 |
| 5 | 2025-05 | 145.88 | 38.25 | 107.63 | 14464.66 |
| 6 | 2025-06 | 145.88 | 37.97 | 107.91 | 14356.75 |
| 7 | 2025-07 | 145.88 | 37.69 | 108.20 | 14248.55 |
| 8 | 2025-08 | 145.88 | 37.40 | 108.48 | 14140.07 |
| 9 | 2025-09 | 145.88 | 37.12 | 108.76 | 14031.31 |
| 10 | 2025-10 | 145.88 | 36.83 | 109.05 | 13922.26 |
| 11 | 2025-11 | 145.88 | 36.55 | 109.34 | 13812.92 |
| 12 | 2025-12 | 145.88 | 36.26 | 109.62 | 13703.30 |
| 13 | 2026-01 | 145.88 | 35.97 | 109.91 | 13593.39 |
| 14 | 2026-02 | 145.88 | 35.68 | 110.20 | 13483.19 |
| 15 | 2026-03 | 145.88 | 35.39 | 110.49 | 13372.70 |
| 16 | 2026-04 | 145.88 | 35.10 | 110.78 | 13261.92 |
| 17 | 2026-05 | 145.88 | 34.81 | 111.07 | 13150.85 |
| 18 | 2026-06 | 145.88 | 34.52 | 111.36 | 13039.49 |
| 19 | 2026-07 | 145.88 | 34.23 | 111.65 | 12927.84 |
| 20 | 2026-08 | 145.88 | 33.94 | 111.95 | 12815.89 |
| 21 | 2026-09 | 145.88 | 33.64 | 112.24 | 12703.65 |
| 22 | 2026-10 | 145.88 | 33.35 | 112.53 | 12591.12 |
| 23 | 2026-11 | 145.88 | 33.05 | 112.83 | 12478.29 |
| 24 | 2026-12 | 145.88 | 32.76 | 113.13 | 12365.16 |
| 25 | 2027-01 | 145.88 | 32.46 | 113.42 | 12251.74 |
| 26 | 2027-02 | 145.88 | 32.16 | 113.72 | 12138.02 |
| 27 | 2027-03 | 145.88 | 31.86 | 114.02 | 12024.00 |
| 28 | 2027-04 | 145.88 | 31.56 | 114.32 | 11909.68 |
| 29 | 2027-05 | 145.88 | 31.26 | 114.62 | 11795.06 |
| 30 | 2027-06 | 145.88 | 30.96 | 114.92 | 11680.14 |
| 31 | 2027-07 | 145.88 | 30.66 | 115.22 | 11564.92 |
| 32 | 2027-08 | 145.88 | 30.36 | 115.52 | 11449.39 |
| 33 | 2027-09 | 145.88 | 30.05 | 115.83 | 11333.57 |
| 34 | 2027-10 | 145.88 | 29.75 | 116.13 | 11217.43 |
| 35 | 2027-11 | 145.88 | 29.45 | 116.44 | 11101.00 |
| 36 | 2027-12 | 145.88 | 29.14 | 116.74 | 10984.26 |
| 37 | 2028-01 | 145.88 | 28.83 | 117.05 | 10867.21 |
| 38 | 2028-02 | 145.88 | 28.53 | 117.36 | 10749.85 |
| 39 | 2028-03 | 145.88 | 28.22 | 117.66 | 10632.19 |
| 40 | 2028-04 | 145.88 | 27.91 | 117.97 | 10514.22 |
| 41 | 2028-05 | 145.88 | 27.60 | 118.28 | 10395.93 |
| 42 | 2028-06 | 145.88 | 27.29 | 118.59 | 10277.34 |
| 43 | 2028-07 | 145.88 | 26.98 | 118.90 | 10158.44 |
| 44 | 2028-08 | 145.88 | 26.67 | 119.22 | 10039.22 |
| 45 | 2028-09 | 145.88 | 26.35 | 119.53 | 9919.69 |
| 46 | 2028-10 | 145.88 | 26.04 | 119.84 | 9799.85 |
| 47 | 2028-11 | 145.88 | 25.72 | 120.16 | 9679.69 |
| 48 | 2028-12 | 145.88 | 25.41 | 120.47 | 9559.22 |
| 49 | 2029-01 | 145.88 | 25.09 | 120.79 | 9438.43 |
| 50 | 2029-02 | 145.88 | 24.78 | 121.11 | 9317.32 |
| 51 | 2029-03 | 145.88 | 24.46 | 121.42 | 9195.90 |
| 52 | 2029-04 | 145.88 | 24.14 | 121.74 | 9074.16 |
| 53 | 2029-05 | 145.88 | 23.82 | 122.06 | 8952.09 |
| 54 | 2029-06 | 145.88 | 23.50 | 122.38 | 8829.71 |
| 55 | 2029-07 | 145.88 | 23.18 | 122.70 | 8707.01 |
| 56 | 2029-08 | 145.88 | 22.86 | 123.03 | 8583.98 |
| 57 | 2029-09 | 145.88 | 22.53 | 123.35 | 8460.63 |
| 58 | 2029-10 | 145.88 | 22.21 | 123.67 | 8336.96 |
| 59 | 2029-11 | 145.88 | 21.88 | 124.00 | 8212.96 |
| 60 | 2029-12 | 145.88 | 21.56 | 124.32 | 8088.64 |
| 61 | 2030-01 | 145.88 | 21.23 | 124.65 | 7963.99 |
| 62 | 2030-02 | 145.88 | 20.91 | 124.98 | 7839.01 |
| 63 | 2030-03 | 145.88 | 20.58 | 125.30 | 7713.71 |
| 64 | 2030-04 | 145.88 | 20.25 | 125.63 | 7588.07 |
| 65 | 2030-05 | 145.88 | 19.92 | 125.96 | 7462.11 |
| 66 | 2030-06 | 145.88 | 19.59 | 126.29 | 7335.82 |
| 67 | 2030-07 | 145.88 | 19.26 | 126.63 | 7209.19 |
| 68 | 2030-08 | 145.88 | 18.92 | 126.96 | 7082.23 |
| 69 | 2030-09 | 145.88 | 18.59 | 127.29 | 6954.94 |
| 70 | 2030-10 | 145.88 | 18.26 | 127.63 | 6827.32 |
| 71 | 2030-11 | 145.88 | 17.92 | 127.96 | 6699.36 |
| 72 | 2030-12 | 145.88 | 17.59 | 128.30 | 6571.06 |
| 73 | 2031-01 | 145.88 | 17.25 | 128.63 | 6442.43 |
| 74 | 2031-02 | 145.88 | 16.91 | 128.97 | 6313.46 |
| 75 | 2031-03 | 145.88 | 16.57 | 129.31 | 6184.15 |
| 76 | 2031-04 | 145.88 | 16.23 | 129.65 | 6054.50 |
| 77 | 2031-05 | 145.88 | 15.89 | 129.99 | 5924.51 |
| 78 | 2031-06 | 145.88 | 15.55 | 130.33 | 5794.18 |
| 79 | 2031-07 | 145.88 | 15.21 | 130.67 | 5663.51 |
| 80 | 2031-08 | 145.88 | 14.87 | 131.02 | 5532.49 |
| 81 | 2031-09 | 145.88 | 14.52 | 131.36 | 5401.13 |
| 82 | 2031-10 | 145.88 | 14.18 | 131.70 | 5269.43 |
| 83 | 2031-11 | 145.88 | 13.83 | 132.05 | 5137.38 |
| 84 | 2031-12 | 145.88 | 13.49 | 132.40 | 5004.98 |
| 85 | 2032-01 | 145.88 | 13.14 | 132.74 | 4872.24 |
| 86 | 2032-02 | 145.88 | 12.79 | 133.09 | 4739.15 |
| 87 | 2032-03 | 145.88 | 12.44 | 133.44 | 4605.70 |
| 88 | 2032-04 | 145.88 | 12.09 | 133.79 | 4471.91 |
| 89 | 2032-05 | 145.88 | 11.74 | 134.14 | 4337.77 |
| 90 | 2032-06 | 145.88 | 11.39 | 134.50 | 4203.27 |
| 91 | 2032-07 | 145.88 | 11.03 | 134.85 | 4068.43 |
| 92 | 2032-08 | 145.88 | 10.68 | 135.20 | 3933.22 |
| 93 | 2032-09 | 145.88 | 10.32 | 135.56 | 3797.67 |
| 94 | 2032-10 | 145.88 | 9.97 | 135.91 | 3661.75 |
| 95 | 2032-11 | 145.88 | 9.61 | 136.27 | 3525.48 |
| 96 | 2032-12 | 145.88 | 9.25 | 136.63 | 3388.85 |
| 97 | 2033-01 | 145.88 | 8.90 | 136.99 | 3251.87 |
| 98 | 2033-02 | 145.88 | 8.54 | 137.35 | 3114.52 |
| 99 | 2033-03 | 145.88 | 8.18 | 137.71 | 2976.82 |
| 100 | 2033-04 | 145.88 | 7.81 | 138.07 | 2838.75 |
| 101 | 2033-05 | 145.88 | 7.45 | 138.43 | 2700.32 |
| 102 | 2033-06 | 145.88 | 7.09 | 138.79 | 2561.52 |
| 103 | 2033-07 | 145.88 | 6.72 | 139.16 | 2422.37 |
| 104 | 2033-08 | 145.88 | 6.36 | 139.52 | 2282.84 |
| 105 | 2033-09 | 145.88 | 5.99 | 139.89 | 2142.95 |
| 106 | 2033-10 | 145.88 | 5.63 | 140.26 | 2002.70 |
| 107 | 2033-11 | 145.88 | 5.26 | 140.62 | 1862.07 |
| 108 | 2033-12 | 145.88 | 4.89 | 140.99 | 1721.08 |
| 109 | 2034-01 | 145.88 | 4.52 | 141.36 | 1579.71 |
| 110 | 2034-02 | 145.88 | 4.15 | 141.74 | 1437.98 |
| 111 | 2034-03 | 145.88 | 3.77 | 142.11 | 1295.87 |
| 112 | 2034-04 | 145.88 | 3.40 | 142.48 | 1153.39 |
| 113 | 2034-05 | 145.88 | 3.03 | 142.85 | 1010.54 |
| 114 | 2034-06 | 145.88 | 2.65 | 143.23 | 867.31 |
| 115 | 2034-07 | 145.88 | 2.28 | 143.61 | 723.70 |
| 116 | 2034-08 | 145.88 | 1.90 | 143.98 | 579.72 |
| 117 | 2034-09 | 145.88 | 1.52 | 144.36 | 435.36 |
| 118 | 2034-10 | 145.88 | 1.14 | 144.74 | 290.62 |
| 119 | 2034-11 | 145.88 | 0.76 | 145.12 | 145.50 |
| 120 | 2034-12 | 145.88 | 0.38 | 145.50 | 0.00 |
等额本金还款方式：
贷款总额：1.5万
还款月数：10年
首月还款：164.38元
每月递减：0.33元
利息总额：2382.19元
本息合计：1.74万
节省利息：123.66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 | 164.38 | 39.38 | 125.00 | 14875.00 |
| 2 | 2025-02 | 164.05 | 39.05 | 125.00 | 14750.00 |
| 3 | 2025-03 | 163.72 | 38.72 | 125.00 | 14625.00 |
| 4 | 2025-04 | 163.39 | 38.39 | 125.00 | 14500.00 |
| 5 | 2025-05 | 163.06 | 38.06 | 125.00 | 14375.00 |
| 6 | 2025-06 | 162.73 | 37.73 | 125.00 | 14250.00 |
| 7 | 2025-07 | 162.41 | 37.41 | 125.00 | 14125.00 |
| 8 | 2025-08 | 162.08 | 37.08 | 125.00 | 14000.00 |
| 9 | 2025-09 | 161.75 | 36.75 | 125.00 | 13875.00 |
| 10 | 2025-10 | 161.42 | 36.42 | 125.00 | 13750.00 |
| 11 | 2025-11 | 161.09 | 36.09 | 125.00 | 13625.00 |
| 12 | 2025-12 | 160.77 | 35.77 | 125.00 | 13500.00 |
| 13 | 2026-01 | 160.44 | 35.44 | 125.00 | 13375.00 |
| 14 | 2026-02 | 160.11 | 35.11 | 125.00 | 13250.00 |
| 15 | 2026-03 | 159.78 | 34.78 | 125.00 | 13125.00 |
| 16 | 2026-04 | 159.45 | 34.45 | 125.00 | 13000.00 |
| 17 | 2026-05 | 159.13 | 34.13 | 125.00 | 12875.00 |
| 18 | 2026-06 | 158.80 | 33.80 | 125.00 | 12750.00 |
| 19 | 2026-07 | 158.47 | 33.47 | 125.00 | 12625.00 |
| 20 | 2026-08 | 158.14 | 33.14 | 125.00 | 12500.00 |
| 21 | 2026-09 | 157.81 | 32.81 | 125.00 | 12375.00 |
| 22 | 2026-10 | 157.48 | 32.48 | 125.00 | 12250.00 |
| 23 | 2026-11 | 157.16 | 32.16 | 125.00 | 12125.00 |
| 24 | 2026-12 | 156.83 | 31.83 | 125.00 | 12000.00 |
| 25 | 2027-01 | 156.50 | 31.50 | 125.00 | 11875.00 |
| 26 | 2027-02 | 156.17 | 31.17 | 125.00 | 11750.00 |
| 27 | 2027-03 | 155.84 | 30.84 | 125.00 | 11625.00 |
| 28 | 2027-04 | 155.52 | 30.52 | 125.00 | 11500.00 |
| 29 | 2027-05 | 155.19 | 30.19 | 125.00 | 11375.00 |
| 30 | 2027-06 | 154.86 | 29.86 | 125.00 | 11250.00 |
| 31 | 2027-07 | 154.53 | 29.53 | 125.00 | 11125.00 |
| 32 | 2027-08 | 154.20 | 29.20 | 125.00 | 11000.00 |
| 33 | 2027-09 | 153.88 | 28.88 | 125.00 | 10875.00 |
| 34 | 2027-10 | 153.55 | 28.55 | 125.00 | 10750.00 |
| 35 | 2027-11 | 153.22 | 28.22 | 125.00 | 10625.00 |
| 36 | 2027-12 | 152.89 | 27.89 | 125.00 | 10500.00 |
| 37 | 2028-01 | 152.56 | 27.56 | 125.00 | 10375.00 |
| 38 | 2028-02 | 152.23 | 27.23 | 125.00 | 10250.00 |
| 39 | 2028-03 | 151.91 | 26.91 | 125.00 | 10125.00 |
| 40 | 2028-04 | 151.58 | 26.58 | 125.00 | 10000.00 |
| 41 | 2028-05 | 151.25 | 26.25 | 125.00 | 9875.00 |
| 42 | 2028-06 | 150.92 | 25.92 | 125.00 | 9750.00 |
| 43 | 2028-07 | 150.59 | 25.59 | 125.00 | 9625.00 |
| 44 | 2028-08 | 150.27 | 25.27 | 125.00 | 9500.00 |
| 45 | 2028-09 | 149.94 | 24.94 | 125.00 | 9375.00 |
| 46 | 2028-10 | 149.61 | 24.61 | 125.00 | 9250.00 |
| 47 | 2028-11 | 149.28 | 24.28 | 125.00 | 9125.00 |
| 48 | 2028-12 | 148.95 | 23.95 | 125.00 | 9000.00 |
| 49 | 2029-01 | 148.63 | 23.63 | 125.00 | 8875.00 |
| 50 | 2029-02 | 148.30 | 23.30 | 125.00 | 8750.00 |
| 51 | 2029-03 | 147.97 | 22.97 | 125.00 | 8625.00 |
| 52 | 2029-04 | 147.64 | 22.64 | 125.00 | 8500.00 |
| 53 | 2029-05 | 147.31 | 22.31 | 125.00 | 8375.00 |
| 54 | 2029-06 | 146.98 | 21.98 | 125.00 | 8250.00 |
| 55 | 2029-07 | 146.66 | 21.66 | 125.00 | 8125.00 |
| 56 | 2029-08 | 146.33 | 21.33 | 125.00 | 8000.00 |
| 57 | 2029-09 | 146.00 | 21.00 | 125.00 | 7875.00 |
| 58 | 2029-10 | 145.67 | 20.67 | 125.00 | 7750.00 |
| 59 | 2029-11 | 145.34 | 20.34 | 125.00 | 7625.00 |
| 60 | 2029-12 | 145.02 | 20.02 | 125.00 | 7500.00 |
| 61 | 2030-01 | 144.69 | 19.69 | 125.00 | 7375.00 |
| 62 | 2030-02 | 144.36 | 19.36 | 125.00 | 7250.00 |
| 63 | 2030-03 | 144.03 | 19.03 | 125.00 | 7125.00 |
| 64 | 2030-04 | 143.70 | 18.70 | 125.00 | 7000.00 |
| 65 | 2030-05 | 143.38 | 18.38 | 125.00 | 6875.00 |
| 66 | 2030-06 | 143.05 | 18.05 | 125.00 | 6750.00 |
| 67 | 2030-07 | 142.72 | 17.72 | 125.00 | 6625.00 |
| 68 | 2030-08 | 142.39 | 17.39 | 125.00 | 6500.00 |
| 69 | 2030-09 | 142.06 | 17.06 | 125.00 | 6375.00 |
| 70 | 2030-10 | 141.73 | 16.73 | 125.00 | 6250.00 |
| 71 | 2030-11 | 141.41 | 16.41 | 125.00 | 6125.00 |
| 72 | 2030-12 | 141.08 | 16.08 | 125.00 | 6000.00 |
| 73 | 2031-01 | 140.75 | 15.75 | 125.00 | 5875.00 |
| 74 | 2031-02 | 140.42 | 15.42 | 125.00 | 5750.00 |
| 75 | 2031-03 | 140.09 | 15.09 | 125.00 | 5625.00 |
| 76 | 2031-04 | 139.77 | 14.77 | 125.00 | 5500.00 |
| 77 | 2031-05 | 139.44 | 14.44 | 125.00 | 5375.00 |
| 78 | 2031-06 | 139.11 | 14.11 | 125.00 | 5250.00 |
| 79 | 2031-07 | 138.78 | 13.78 | 125.00 | 5125.00 |
| 80 | 2031-08 | 138.45 | 13.45 | 125.00 | 5000.00 |
| 81 | 2031-09 | 138.13 | 13.13 | 125.00 | 4875.00 |
| 82 | 2031-10 | 137.80 | 12.80 | 125.00 | 4750.00 |
| 83 | 2031-11 | 137.47 | 12.47 | 125.00 | 4625.00 |
| 84 | 2031-12 | 137.14 | 12.14 | 125.00 | 4500.00 |
| 85 | 2032-01 | 136.81 | 11.81 | 125.00 | 4375.00 |
| 86 | 2032-02 | 136.48 | 11.48 | 125.00 | 4250.00 |
| 87 | 2032-03 | 136.16 | 11.16 | 125.00 | 4125.00 |
| 88 | 2032-04 | 135.83 | 10.83 | 125.00 | 4000.00 |
| 89 | 2032-05 | 135.50 | 10.50 | 125.00 | 3875.00 |
| 90 | 2032-06 | 135.17 | 10.17 | 125.00 | 3750.00 |
| 91 | 2032-07 | 134.84 | 9.84 | 125.00 | 3625.00 |
| 92 | 2032-08 | 134.52 | 9.52 | 125.00 | 3500.00 |
| 93 | 2032-09 | 134.19 | 9.19 | 125.00 | 3375.00 |
| 94 | 2032-10 | 133.86 | 8.86 | 125.00 | 3250.00 |
| 95 | 2032-11 | 133.53 | 8.53 | 125.00 | 3125.00 |
| 96 | 2032-12 | 133.20 | 8.20 | 125.00 | 3000.00 |
| 97 | 2033-01 | 132.88 | 7.88 | 125.00 | 2875.00 |
| 98 | 2033-02 | 132.55 | 7.55 | 125.00 | 2750.00 |
| 99 | 2033-03 | 132.22 | 7.22 | 125.00 | 2625.00 |
| 100 | 2033-04 | 131.89 | 6.89 | 125.00 | 2500.00 |
| 101 | 2033-05 | 131.56 | 6.56 | 125.00 | 2375.00 |
| 102 | 2033-06 | 131.23 | 6.23 | 125.00 | 2250.00 |
| 103 | 2033-07 | 130.91 | 5.91 | 125.00 | 2125.00 |
| 104 | 2033-08 | 130.58 | 5.58 | 125.00 | 2000.00 |
| 105 | 2033-09 | 130.25 | 5.25 | 125.00 | 1875.00 |
| 106 | 2033-10 | 129.92 | 4.92 | 125.00 | 1750.00 |
| 107 | 2033-11 | 129.59 | 4.59 | 125.00 | 1625.00 |
| 108 | 2033-12 | 129.27 | 4.27 | 125.00 | 1500.00 |
| 109 | 2034-01 | 128.94 | 3.94 | 125.00 | 1375.00 |
| 110 | 2034-02 | 128.61 | 3.61 | 125.00 | 1250.00 |
| 111 | 2034-03 | 128.28 | 3.28 | 125.00 | 1125.00 |
| 112 | 2034-04 | 127.95 | 2.95 | 125.00 | 1000.00 |
| 113 | 2034-05 | 127.63 | 2.63 | 125.00 | 875.00 |
| 114 | 2034-06 | 127.30 | 2.30 | 125.00 | 750.00 |
| 115 | 2034-07 | 126.97 | 1.97 | 125.00 | 625.00 |
| 116 | 2034-08 | 126.64 | 1.64 | 125.00 | 500.00 |
| 117 | 2034-09 | 126.31 | 1.31 | 125.00 | 375.00 |
| 118 | 2034-10 | 125.98 | 0.98 | 125.00 | 250.00 |
| 119 | 2034-11 | 125.66 | 0.66 | 125.00 | 125.00 |
| 120 | 2034-12 | 125.33 | 0.33 | 125.00 | 0.00 |