贷款27万（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：27万
还款月数：5年
每月还款：4972.46元
利息总额：2.83万
本息合计：29.83万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 4972.46 | 900.00 | 4072.46 | 265927.54 |
| 2 | 2024-05 | 4972.46 | 886.43 | 4086.04 | 261841.50 |
| 3 | 2024-06 | 4972.46 | 872.81 | 4099.66 | 257741.85 |
| 4 | 2024-07 | 4972.46 | 859.14 | 4113.32 | 253628.53 |
| 5 | 2024-08 | 4972.46 | 845.43 | 4127.03 | 249501.49 |
| 6 | 2024-09 | 4972.46 | 831.67 | 4140.79 | 245360.70 |
| 7 | 2024-10 | 4972.46 | 817.87 | 4154.59 | 241206.11 |
| 8 | 2024-11 | 4972.46 | 804.02 | 4168.44 | 237037.67 |
| 9 | 2024-12 | 4972.46 | 790.13 | 4182.34 | 232855.34 |
| 10 | 2025-01 | 4972.46 | 776.18 | 4196.28 | 228659.06 |
| 11 | 2025-02 | 4972.46 | 762.20 | 4210.26 | 224448.80 |
| 12 | 2025-03 | 4972.46 | 748.16 | 4224.30 | 220224.50 |
| 13 | 2025-04 | 4972.46 | 734.08 | 4238.38 | 215986.12 |
| 14 | 2025-05 | 4972.46 | 719.95 | 4252.51 | 211733.61 |
| 15 | 2025-06 | 4972.46 | 705.78 | 4266.68 | 207466.93 |
| 16 | 2025-07 | 4972.46 | 691.56 | 4280.90 | 203186.02 |
| 17 | 2025-08 | 4972.46 | 677.29 | 4295.17 | 198890.85 |
| 18 | 2025-09 | 4972.46 | 662.97 | 4309.49 | 194581.36 |
| 19 | 2025-10 | 4972.46 | 648.60 | 4323.86 | 190257.50 |
| 20 | 2025-11 | 4972.46 | 634.19 | 4338.27 | 185919.23 |
| 21 | 2025-12 | 4972.46 | 619.73 | 4352.73 | 181566.50 |
| 22 | 2026-01 | 4972.46 | 605.22 | 4367.24 | 177199.26 |
| 23 | 2026-02 | 4972.46 | 590.66 | 4381.80 | 172817.47 |
| 24 | 2026-03 | 4972.46 | 576.06 | 4396.40 | 168421.06 |
| 25 | 2026-04 | 4972.46 | 561.40 | 4411.06 | 164010.01 |
| 26 | 2026-05 | 4972.46 | 546.70 | 4425.76 | 159584.25 |
| 27 | 2026-06 | 4972.46 | 531.95 | 4440.51 | 155143.73 |
| 28 | 2026-07 | 4972.46 | 517.15 | 4455.32 | 150688.42 |
| 29 | 2026-08 | 4972.46 | 502.29 | 4470.17 | 146218.25 |
| 30 | 2026-09 | 4972.46 | 487.39 | 4485.07 | 141733.18 |
| 31 | 2026-10 | 4972.46 | 472.44 | 4500.02 | 137233.17 |
| 32 | 2026-11 | 4972.46 | 457.44 | 4515.02 | 132718.15 |
| 33 | 2026-12 | 4972.46 | 442.39 | 4530.07 | 128188.08 |
| 34 | 2027-01 | 4972.46 | 427.29 | 4545.17 | 123642.91 |
| 35 | 2027-02 | 4972.46 | 412.14 | 4560.32 | 119082.60 |
| 36 | 2027-03 | 4972.46 | 396.94 | 4575.52 | 114507.08 |
| 37 | 2027-04 | 4972.46 | 381.69 | 4590.77 | 109916.31 |
| 38 | 2027-05 | 4972.46 | 366.39 | 4606.07 | 105310.23 |
| 39 | 2027-06 | 4972.46 | 351.03 | 4621.43 | 100688.81 |
| 40 | 2027-07 | 4972.46 | 335.63 | 4636.83 | 96051.98 |
| 41 | 2027-08 | 4972.46 | 320.17 | 4652.29 | 91399.69 |
| 42 | 2027-09 | 4972.46 | 304.67 | 4667.80 | 86731.89 |
| 43 | 2027-10 | 4972.46 | 289.11 | 4683.35 | 82048.54 |
| 44 | 2027-11 | 4972.46 | 273.50 | 4698.97 | 77349.57 |
| 45 | 2027-12 | 4972.46 | 257.83 | 4714.63 | 72634.94 |
| 46 | 2028-01 | 4972.46 | 242.12 | 4730.34 | 67904.60 |
| 47 | 2028-02 | 4972.46 | 226.35 | 4746.11 | 63158.49 |
| 48 | 2028-03 | 4972.46 | 210.53 | 4761.93 | 58396.55 |
| 49 | 2028-04 | 4972.46 | 194.66 | 4777.81 | 53618.75 |
| 50 | 2028-05 | 4972.46 | 178.73 | 4793.73 | 48825.02 |
| 51 | 2028-06 | 4972.46 | 162.75 | 4809.71 | 44015.31 |
| 52 | 2028-07 | 4972.46 | 146.72 | 4825.74 | 39189.56 |
| 53 | 2028-08 | 4972.46 | 130.63 | 4841.83 | 34347.73 |
| 54 | 2028-09 | 4972.46 | 114.49 | 4857.97 | 29489.76 |
| 55 | 2028-10 | 4972.46 | 98.30 | 4874.16 | 24615.60 |
| 56 | 2028-11 | 4972.46 | 82.05 | 4890.41 | 19725.19 |
| 57 | 2028-12 | 4972.46 | 65.75 | 4906.71 | 14818.48 |
| 58 | 2029-01 | 4972.46 | 49.39 | 4923.07 | 9895.42 |
| 59 | 2029-02 | 4972.46 | 32.98 | 4939.48 | 4955.94 |
| 60 | 2029-03 | 4972.46 | 16.52 | 4955.94 | 0.00 |
等额本金还款方式：
贷款总额：27万
还款月数：5年
首月还款：5400元
每月递减：15元
利息总额：2.75万
本息合计：29.75万
节省利息：897.66元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 5400.00 | 900.00 | 4500.00 | 265500.00 |
| 2 | 2024-05 | 5385.00 | 885.00 | 4500.00 | 261000.00 |
| 3 | 2024-06 | 5370.00 | 870.00 | 4500.00 | 256500.00 |
| 4 | 2024-07 | 5355.00 | 855.00 | 4500.00 | 252000.00 |
| 5 | 2024-08 | 5340.00 | 840.00 | 4500.00 | 247500.00 |
| 6 | 2024-09 | 5325.00 | 825.00 | 4500.00 | 243000.00 |
| 7 | 2024-10 | 5310.00 | 810.00 | 4500.00 | 238500.00 |
| 8 | 2024-11 | 5295.00 | 795.00 | 4500.00 | 234000.00 |
| 9 | 2024-12 | 5280.00 | 780.00 | 4500.00 | 229500.00 |
| 10 | 2025-01 | 5265.00 | 765.00 | 4500.00 | 225000.00 |
| 11 | 2025-02 | 5250.00 | 750.00 | 4500.00 | 220500.00 |
| 12 | 2025-03 | 5235.00 | 735.00 | 4500.00 | 216000.00 |
| 13 | 2025-04 | 5220.00 | 720.00 | 4500.00 | 211500.00 |
| 14 | 2025-05 | 5205.00 | 705.00 | 4500.00 | 207000.00 |
| 15 | 2025-06 | 5190.00 | 690.00 | 4500.00 | 202500.00 |
| 16 | 2025-07 | 5175.00 | 675.00 | 4500.00 | 198000.00 |
| 17 | 2025-08 | 5160.00 | 660.00 | 4500.00 | 193500.00 |
| 18 | 2025-09 | 5145.00 | 645.00 | 4500.00 | 189000.00 |
| 19 | 2025-10 | 5130.00 | 630.00 | 4500.00 | 184500.00 |
| 20 | 2025-11 | 5115.00 | 615.00 | 4500.00 | 180000.00 |
| 21 | 2025-12 | 5100.00 | 600.00 | 4500.00 | 175500.00 |
| 22 | 2026-01 | 5085.00 | 585.00 | 4500.00 | 171000.00 |
| 23 | 2026-02 | 5070.00 | 570.00 | 4500.00 | 166500.00 |
| 24 | 2026-03 | 5055.00 | 555.00 | 4500.00 | 162000.00 |
| 25 | 2026-04 | 5040.00 | 540.00 | 4500.00 | 157500.00 |
| 26 | 2026-05 | 5025.00 | 525.00 | 4500.00 | 153000.00 |
| 27 | 2026-06 | 5010.00 | 510.00 | 4500.00 | 148500.00 |
| 28 | 2026-07 | 4995.00 | 495.00 | 4500.00 | 144000.00 |
| 29 | 2026-08 | 4980.00 | 480.00 | 4500.00 | 139500.00 |
| 30 | 2026-09 | 4965.00 | 465.00 | 4500.00 | 135000.00 |
| 31 | 2026-10 | 4950.00 | 450.00 | 4500.00 | 130500.00 |
| 32 | 2026-11 | 4935.00 | 435.00 | 4500.00 | 126000.00 |
| 33 | 2026-12 | 4920.00 | 420.00 | 4500.00 | 121500.00 |
| 34 | 2027-01 | 4905.00 | 405.00 | 4500.00 | 117000.00 |
| 35 | 2027-02 | 4890.00 | 390.00 | 4500.00 | 112500.00 |
| 36 | 2027-03 | 4875.00 | 375.00 | 4500.00 | 108000.00 |
| 37 | 2027-04 | 4860.00 | 360.00 | 4500.00 | 103500.00 |
| 38 | 2027-05 | 4845.00 | 345.00 | 4500.00 | 99000.00 |
| 39 | 2027-06 | 4830.00 | 330.00 | 4500.00 | 94500.00 |
| 40 | 2027-07 | 4815.00 | 315.00 | 4500.00 | 90000.00 |
| 41 | 2027-08 | 4800.00 | 300.00 | 4500.00 | 85500.00 |
| 42 | 2027-09 | 4785.00 | 285.00 | 4500.00 | 81000.00 |
| 43 | 2027-10 | 4770.00 | 270.00 | 4500.00 | 76500.00 |
| 44 | 2027-11 | 4755.00 | 255.00 | 4500.00 | 72000.00 |
| 45 | 2027-12 | 4740.00 | 240.00 | 4500.00 | 67500.00 |
| 46 | 2028-01 | 4725.00 | 225.00 | 4500.00 | 63000.00 |
| 47 | 2028-02 | 4710.00 | 210.00 | 4500.00 | 58500.00 |
| 48 | 2028-03 | 4695.00 | 195.00 | 4500.00 | 54000.00 |
| 49 | 2028-04 | 4680.00 | 180.00 | 4500.00 | 49500.00 |
| 50 | 2028-05 | 4665.00 | 165.00 | 4500.00 | 45000.00 |
| 51 | 2028-06 | 4650.00 | 150.00 | 4500.00 | 40500.00 |
| 52 | 2028-07 | 4635.00 | 135.00 | 4500.00 | 36000.00 |
| 53 | 2028-08 | 4620.00 | 120.00 | 4500.00 | 31500.00 |
| 54 | 2028-09 | 4605.00 | 105.00 | 4500.00 | 27000.00 |
| 55 | 2028-10 | 4590.00 | 90.00 | 4500.00 | 22500.00 |
| 56 | 2028-11 | 4575.00 | 75.00 | 4500.00 | 18000.00 |
| 57 | 2028-12 | 4560.00 | 60.00 | 4500.00 | 13500.00 |
| 58 | 2029-01 | 4545.00 | 45.00 | 4500.00 | 9000.00 |
| 59 | 2029-02 | 4530.00 | 30.00 | 4500.00 | 4500.00 |
| 60 | 2029-03 | 4515.00 | 15.00 | 4500.00 | 0.00 |