贷款12万（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：12万
还款月数：5年
每月还款：2134.98元
利息总额：8098.72元
本息合计：12.81万
| 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 | 2134.98 | 260.00 | 1874.98 | 118125.02 |
| 2 | 2024-05 | 2134.98 | 255.94 | 1879.04 | 116245.98 |
| 3 | 2024-06 | 2134.98 | 251.87 | 1883.11 | 114362.87 |
| 4 | 2024-07 | 2134.98 | 247.79 | 1887.19 | 112475.68 |
| 5 | 2024-08 | 2134.98 | 243.70 | 1891.28 | 110584.39 |
| 6 | 2024-09 | 2134.98 | 239.60 | 1895.38 | 108689.01 |
| 7 | 2024-10 | 2134.98 | 235.49 | 1899.49 | 106789.53 |
| 8 | 2024-11 | 2134.98 | 231.38 | 1903.60 | 104885.93 |
| 9 | 2024-12 | 2134.98 | 227.25 | 1907.73 | 102978.20 |
| 10 | 2025-01 | 2134.98 | 223.12 | 1911.86 | 101066.34 |
| 11 | 2025-02 | 2134.98 | 218.98 | 1916.00 | 99150.34 |
| 12 | 2025-03 | 2134.98 | 214.83 | 1920.15 | 97230.19 |
| 13 | 2025-04 | 2134.98 | 210.67 | 1924.31 | 95305.87 |
| 14 | 2025-05 | 2134.98 | 206.50 | 1928.48 | 93377.39 |
| 15 | 2025-06 | 2134.98 | 202.32 | 1932.66 | 91444.73 |
| 16 | 2025-07 | 2134.98 | 198.13 | 1936.85 | 89507.88 |
| 17 | 2025-08 | 2134.98 | 193.93 | 1941.04 | 87566.84 |
| 18 | 2025-09 | 2134.98 | 189.73 | 1945.25 | 85621.59 |
| 19 | 2025-10 | 2134.98 | 185.51 | 1949.47 | 83672.12 |
| 20 | 2025-11 | 2134.98 | 181.29 | 1953.69 | 81718.43 |
| 21 | 2025-12 | 2134.98 | 177.06 | 1957.92 | 79760.51 |
| 22 | 2026-01 | 2134.98 | 172.81 | 1962.16 | 77798.35 |
| 23 | 2026-02 | 2134.98 | 168.56 | 1966.42 | 75831.93 |
| 24 | 2026-03 | 2134.98 | 164.30 | 1970.68 | 73861.25 |
| 25 | 2026-04 | 2134.98 | 160.03 | 1974.95 | 71886.31 |
| 26 | 2026-05 | 2134.98 | 155.75 | 1979.23 | 69907.08 |
| 27 | 2026-06 | 2134.98 | 151.47 | 1983.51 | 67923.57 |
| 28 | 2026-07 | 2134.98 | 147.17 | 1987.81 | 65935.76 |
| 29 | 2026-08 | 2134.98 | 142.86 | 1992.12 | 63943.64 |
| 30 | 2026-09 | 2134.98 | 138.54 | 1996.43 | 61947.21 |
| 31 | 2026-10 | 2134.98 | 134.22 | 2000.76 | 59946.45 |
| 32 | 2026-11 | 2134.98 | 129.88 | 2005.09 | 57941.35 |
| 33 | 2026-12 | 2134.98 | 125.54 | 2009.44 | 55931.91 |
| 34 | 2027-01 | 2134.98 | 121.19 | 2013.79 | 53918.12 |
| 35 | 2027-02 | 2134.98 | 116.82 | 2018.16 | 51899.96 |
| 36 | 2027-03 | 2134.98 | 112.45 | 2022.53 | 49877.44 |
| 37 | 2027-04 | 2134.98 | 108.07 | 2026.91 | 47850.52 |
| 38 | 2027-05 | 2134.98 | 103.68 | 2031.30 | 45819.22 |
| 39 | 2027-06 | 2134.98 | 99.27 | 2035.70 | 43783.52 |
| 40 | 2027-07 | 2134.98 | 94.86 | 2040.11 | 41743.40 |
| 41 | 2027-08 | 2134.98 | 90.44 | 2044.53 | 39698.87 |
| 42 | 2027-09 | 2134.98 | 86.01 | 2048.96 | 37649.90 |
| 43 | 2027-10 | 2134.98 | 81.57 | 2053.40 | 35596.50 |
| 44 | 2027-11 | 2134.98 | 77.13 | 2057.85 | 33538.65 |
| 45 | 2027-12 | 2134.98 | 72.67 | 2062.31 | 31476.34 |
| 46 | 2028-01 | 2134.98 | 68.20 | 2066.78 | 29409.56 |
| 47 | 2028-02 | 2134.98 | 63.72 | 2071.26 | 27338.30 |
| 48 | 2028-03 | 2134.98 | 59.23 | 2075.75 | 25262.55 |
| 49 | 2028-04 | 2134.98 | 54.74 | 2080.24 | 23182.31 |
| 50 | 2028-05 | 2134.98 | 50.23 | 2084.75 | 21097.56 |
| 51 | 2028-06 | 2134.98 | 45.71 | 2089.27 | 19008.29 |
| 52 | 2028-07 | 2134.98 | 41.18 | 2093.79 | 16914.50 |
| 53 | 2028-08 | 2134.98 | 36.65 | 2098.33 | 14816.17 |
| 54 | 2028-09 | 2134.98 | 32.10 | 2102.88 | 12713.29 |
| 55 | 2028-10 | 2134.98 | 27.55 | 2107.43 | 10605.86 |
| 56 | 2028-11 | 2134.98 | 22.98 | 2112.00 | 8493.86 |
| 57 | 2028-12 | 2134.98 | 18.40 | 2116.58 | 6377.28 |
| 58 | 2029-01 | 2134.98 | 13.82 | 2121.16 | 4256.12 |
| 59 | 2029-02 | 2134.98 | 9.22 | 2125.76 | 2130.36 |
| 60 | 2029-03 | 2134.98 | 4.62 | 2130.36 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：5年
首月还款：2260元
每月递减：4.33元
利息总额：7930元
本息合计：12.79万
节省利息：168.72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 | 2260.00 | 260.00 | 2000.00 | 118000.00 |
| 2 | 2024-05 | 2255.67 | 255.67 | 2000.00 | 116000.00 |
| 3 | 2024-06 | 2251.33 | 251.33 | 2000.00 | 114000.00 |
| 4 | 2024-07 | 2247.00 | 247.00 | 2000.00 | 112000.00 |
| 5 | 2024-08 | 2242.67 | 242.67 | 2000.00 | 110000.00 |
| 6 | 2024-09 | 2238.33 | 238.33 | 2000.00 | 108000.00 |
| 7 | 2024-10 | 2234.00 | 234.00 | 2000.00 | 106000.00 |
| 8 | 2024-11 | 2229.67 | 229.67 | 2000.00 | 104000.00 |
| 9 | 2024-12 | 2225.33 | 225.33 | 2000.00 | 102000.00 |
| 10 | 2025-01 | 2221.00 | 221.00 | 2000.00 | 100000.00 |
| 11 | 2025-02 | 2216.67 | 216.67 | 2000.00 | 98000.00 |
| 12 | 2025-03 | 2212.33 | 212.33 | 2000.00 | 96000.00 |
| 13 | 2025-04 | 2208.00 | 208.00 | 2000.00 | 94000.00 |
| 14 | 2025-05 | 2203.67 | 203.67 | 2000.00 | 92000.00 |
| 15 | 2025-06 | 2199.33 | 199.33 | 2000.00 | 90000.00 |
| 16 | 2025-07 | 2195.00 | 195.00 | 2000.00 | 88000.00 |
| 17 | 2025-08 | 2190.67 | 190.67 | 2000.00 | 86000.00 |
| 18 | 2025-09 | 2186.33 | 186.33 | 2000.00 | 84000.00 |
| 19 | 2025-10 | 2182.00 | 182.00 | 2000.00 | 82000.00 |
| 20 | 2025-11 | 2177.67 | 177.67 | 2000.00 | 80000.00 |
| 21 | 2025-12 | 2173.33 | 173.33 | 2000.00 | 78000.00 |
| 22 | 2026-01 | 2169.00 | 169.00 | 2000.00 | 76000.00 |
| 23 | 2026-02 | 2164.67 | 164.67 | 2000.00 | 74000.00 |
| 24 | 2026-03 | 2160.33 | 160.33 | 2000.00 | 72000.00 |
| 25 | 2026-04 | 2156.00 | 156.00 | 2000.00 | 70000.00 |
| 26 | 2026-05 | 2151.67 | 151.67 | 2000.00 | 68000.00 |
| 27 | 2026-06 | 2147.33 | 147.33 | 2000.00 | 66000.00 |
| 28 | 2026-07 | 2143.00 | 143.00 | 2000.00 | 64000.00 |
| 29 | 2026-08 | 2138.67 | 138.67 | 2000.00 | 62000.00 |
| 30 | 2026-09 | 2134.33 | 134.33 | 2000.00 | 60000.00 |
| 31 | 2026-10 | 2130.00 | 130.00 | 2000.00 | 58000.00 |
| 32 | 2026-11 | 2125.67 | 125.67 | 2000.00 | 56000.00 |
| 33 | 2026-12 | 2121.33 | 121.33 | 2000.00 | 54000.00 |
| 34 | 2027-01 | 2117.00 | 117.00 | 2000.00 | 52000.00 |
| 35 | 2027-02 | 2112.67 | 112.67 | 2000.00 | 50000.00 |
| 36 | 2027-03 | 2108.33 | 108.33 | 2000.00 | 48000.00 |
| 37 | 2027-04 | 2104.00 | 104.00 | 2000.00 | 46000.00 |
| 38 | 2027-05 | 2099.67 | 99.67 | 2000.00 | 44000.00 |
| 39 | 2027-06 | 2095.33 | 95.33 | 2000.00 | 42000.00 |
| 40 | 2027-07 | 2091.00 | 91.00 | 2000.00 | 40000.00 |
| 41 | 2027-08 | 2086.67 | 86.67 | 2000.00 | 38000.00 |
| 42 | 2027-09 | 2082.33 | 82.33 | 2000.00 | 36000.00 |
| 43 | 2027-10 | 2078.00 | 78.00 | 2000.00 | 34000.00 |
| 44 | 2027-11 | 2073.67 | 73.67 | 2000.00 | 32000.00 |
| 45 | 2027-12 | 2069.33 | 69.33 | 2000.00 | 30000.00 |
| 46 | 2028-01 | 2065.00 | 65.00 | 2000.00 | 28000.00 |
| 47 | 2028-02 | 2060.67 | 60.67 | 2000.00 | 26000.00 |
| 48 | 2028-03 | 2056.33 | 56.33 | 2000.00 | 24000.00 |
| 49 | 2028-04 | 2052.00 | 52.00 | 2000.00 | 22000.00 |
| 50 | 2028-05 | 2047.67 | 47.67 | 2000.00 | 20000.00 |
| 51 | 2028-06 | 2043.33 | 43.33 | 2000.00 | 18000.00 |
| 52 | 2028-07 | 2039.00 | 39.00 | 2000.00 | 16000.00 |
| 53 | 2028-08 | 2034.67 | 34.67 | 2000.00 | 14000.00 |
| 54 | 2028-09 | 2030.33 | 30.33 | 2000.00 | 12000.00 |
| 55 | 2028-10 | 2026.00 | 26.00 | 2000.00 | 10000.00 |
| 56 | 2028-11 | 2021.67 | 21.67 | 2000.00 | 8000.00 |
| 57 | 2028-12 | 2017.33 | 17.33 | 2000.00 | 6000.00 |
| 58 | 2029-01 | 2013.00 | 13.00 | 2000.00 | 4000.00 |
| 59 | 2029-02 | 2008.67 | 8.67 | 2000.00 | 2000.00 |
| 60 | 2029-03 | 2004.33 | 4.33 | 2000.00 | 0.00 |