贷款360元（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：360元
还款月数：5年
每月还款：6.33元
利息总额：19.92元
本息合计：379.92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 | 6.33 | 0.64 | 5.69 | 354.31 |
| 2 | 2024-05 | 6.33 | 0.63 | 5.70 | 348.61 |
| 3 | 2024-06 | 6.33 | 0.62 | 5.71 | 342.90 |
| 4 | 2024-07 | 6.33 | 0.61 | 5.72 | 337.18 |
| 5 | 2024-08 | 6.33 | 0.60 | 5.73 | 331.45 |
| 6 | 2024-09 | 6.33 | 0.59 | 5.74 | 325.71 |
| 7 | 2024-10 | 6.33 | 0.58 | 5.75 | 319.96 |
| 8 | 2024-11 | 6.33 | 0.57 | 5.76 | 314.19 |
| 9 | 2024-12 | 6.33 | 0.56 | 5.77 | 308.42 |
| 10 | 2025-01 | 6.33 | 0.55 | 5.78 | 302.64 |
| 11 | 2025-02 | 6.33 | 0.54 | 5.79 | 296.85 |
| 12 | 2025-03 | 6.33 | 0.53 | 5.80 | 291.05 |
| 13 | 2025-04 | 6.33 | 0.52 | 5.81 | 285.23 |
| 14 | 2025-05 | 6.33 | 0.51 | 5.82 | 279.41 |
| 15 | 2025-06 | 6.33 | 0.50 | 5.83 | 273.58 |
| 16 | 2025-07 | 6.33 | 0.49 | 5.84 | 267.73 |
| 17 | 2025-08 | 6.33 | 0.48 | 5.85 | 261.88 |
| 18 | 2025-09 | 6.33 | 0.47 | 5.87 | 256.01 |
| 19 | 2025-10 | 6.33 | 0.46 | 5.88 | 250.14 |
| 20 | 2025-11 | 6.33 | 0.45 | 5.89 | 244.25 |
| 21 | 2025-12 | 6.33 | 0.44 | 5.90 | 238.35 |
| 22 | 2026-01 | 6.33 | 0.43 | 5.91 | 232.45 |
| 23 | 2026-02 | 6.33 | 0.41 | 5.92 | 226.53 |
| 24 | 2026-03 | 6.33 | 0.40 | 5.93 | 220.60 |
| 25 | 2026-04 | 6.33 | 0.39 | 5.94 | 214.66 |
| 26 | 2026-05 | 6.33 | 0.38 | 5.95 | 208.71 |
| 27 | 2026-06 | 6.33 | 0.37 | 5.96 | 202.75 |
| 28 | 2026-07 | 6.33 | 0.36 | 5.97 | 196.78 |
| 29 | 2026-08 | 6.33 | 0.35 | 5.98 | 190.80 |
| 30 | 2026-09 | 6.33 | 0.34 | 5.99 | 184.81 |
| 31 | 2026-10 | 6.33 | 0.33 | 6.00 | 178.81 |
| 32 | 2026-11 | 6.33 | 0.32 | 6.01 | 172.79 |
| 33 | 2026-12 | 6.33 | 0.31 | 6.02 | 166.77 |
| 34 | 2027-01 | 6.33 | 0.30 | 6.03 | 160.74 |
| 35 | 2027-02 | 6.33 | 0.29 | 6.05 | 154.69 |
| 36 | 2027-03 | 6.33 | 0.28 | 6.06 | 148.63 |
| 37 | 2027-04 | 6.33 | 0.27 | 6.07 | 142.57 |
| 38 | 2027-05 | 6.33 | 0.25 | 6.08 | 136.49 |
| 39 | 2027-06 | 6.33 | 0.24 | 6.09 | 130.40 |
| 40 | 2027-07 | 6.33 | 0.23 | 6.10 | 124.30 |
| 41 | 2027-08 | 6.33 | 0.22 | 6.11 | 118.19 |
| 42 | 2027-09 | 6.33 | 0.21 | 6.12 | 112.07 |
| 43 | 2027-10 | 6.33 | 0.20 | 6.13 | 105.94 |
| 44 | 2027-11 | 6.33 | 0.19 | 6.14 | 99.79 |
| 45 | 2027-12 | 6.33 | 0.18 | 6.15 | 93.64 |
| 46 | 2028-01 | 6.33 | 0.17 | 6.17 | 87.47 |
| 47 | 2028-02 | 6.33 | 0.16 | 6.18 | 81.30 |
| 48 | 2028-03 | 6.33 | 0.14 | 6.19 | 75.11 |
| 49 | 2028-04 | 6.33 | 0.13 | 6.20 | 68.91 |
| 50 | 2028-05 | 6.33 | 0.12 | 6.21 | 62.70 |
| 51 | 2028-06 | 6.33 | 0.11 | 6.22 | 56.48 |
| 52 | 2028-07 | 6.33 | 0.10 | 6.23 | 50.25 |
| 53 | 2028-08 | 6.33 | 0.09 | 6.24 | 44.01 |
| 54 | 2028-09 | 6.33 | 0.08 | 6.25 | 37.76 |
| 55 | 2028-10 | 6.33 | 0.07 | 6.26 | 31.49 |
| 56 | 2028-11 | 6.33 | 0.06 | 6.28 | 25.22 |
| 57 | 2028-12 | 6.33 | 0.04 | 6.29 | 18.93 |
| 58 | 2029-01 | 6.33 | 0.03 | 6.30 | 12.63 |
| 59 | 2029-02 | 6.33 | 0.02 | 6.31 | 6.32 |
| 60 | 2029-03 | 6.33 | 0.01 | 6.32 | 0.00 |
等额本金还款方式：
贷款总额：360元
还款月数：5年
首月还款：6.64元
每月递减：0.01元
利息总额：19.58元
本息合计：379.58元
节省利息：0.34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 | 6.64 | 0.64 | 6.00 | 354.00 |
| 2 | 2024-05 | 6.63 | 0.63 | 6.00 | 348.00 |
| 3 | 2024-06 | 6.62 | 0.62 | 6.00 | 342.00 |
| 4 | 2024-07 | 6.61 | 0.61 | 6.00 | 336.00 |
| 5 | 2024-08 | 6.60 | 0.60 | 6.00 | 330.00 |
| 6 | 2024-09 | 6.59 | 0.59 | 6.00 | 324.00 |
| 7 | 2024-10 | 6.58 | 0.58 | 6.00 | 318.00 |
| 8 | 2024-11 | 6.57 | 0.57 | 6.00 | 312.00 |
| 9 | 2024-12 | 6.56 | 0.56 | 6.00 | 306.00 |
| 10 | 2025-01 | 6.55 | 0.55 | 6.00 | 300.00 |
| 11 | 2025-02 | 6.54 | 0.54 | 6.00 | 294.00 |
| 12 | 2025-03 | 6.52 | 0.52 | 6.00 | 288.00 |
| 13 | 2025-04 | 6.51 | 0.51 | 6.00 | 282.00 |
| 14 | 2025-05 | 6.50 | 0.50 | 6.00 | 276.00 |
| 15 | 2025-06 | 6.49 | 0.49 | 6.00 | 270.00 |
| 16 | 2025-07 | 6.48 | 0.48 | 6.00 | 264.00 |
| 17 | 2025-08 | 6.47 | 0.47 | 6.00 | 258.00 |
| 18 | 2025-09 | 6.46 | 0.46 | 6.00 | 252.00 |
| 19 | 2025-10 | 6.45 | 0.45 | 6.00 | 246.00 |
| 20 | 2025-11 | 6.44 | 0.44 | 6.00 | 240.00 |
| 21 | 2025-12 | 6.43 | 0.43 | 6.00 | 234.00 |
| 22 | 2026-01 | 6.42 | 0.42 | 6.00 | 228.00 |
| 23 | 2026-02 | 6.41 | 0.41 | 6.00 | 222.00 |
| 24 | 2026-03 | 6.40 | 0.40 | 6.00 | 216.00 |
| 25 | 2026-04 | 6.39 | 0.39 | 6.00 | 210.00 |
| 26 | 2026-05 | 6.37 | 0.37 | 6.00 | 204.00 |
| 27 | 2026-06 | 6.36 | 0.36 | 6.00 | 198.00 |
| 28 | 2026-07 | 6.35 | 0.35 | 6.00 | 192.00 |
| 29 | 2026-08 | 6.34 | 0.34 | 6.00 | 186.00 |
| 30 | 2026-09 | 6.33 | 0.33 | 6.00 | 180.00 |
| 31 | 2026-10 | 6.32 | 0.32 | 6.00 | 174.00 |
| 32 | 2026-11 | 6.31 | 0.31 | 6.00 | 168.00 |
| 33 | 2026-12 | 6.30 | 0.30 | 6.00 | 162.00 |
| 34 | 2027-01 | 6.29 | 0.29 | 6.00 | 156.00 |
| 35 | 2027-02 | 6.28 | 0.28 | 6.00 | 150.00 |
| 36 | 2027-03 | 6.27 | 0.27 | 6.00 | 144.00 |
| 37 | 2027-04 | 6.26 | 0.26 | 6.00 | 138.00 |
| 38 | 2027-05 | 6.25 | 0.25 | 6.00 | 132.00 |
| 39 | 2027-06 | 6.24 | 0.24 | 6.00 | 126.00 |
| 40 | 2027-07 | 6.22 | 0.22 | 6.00 | 120.00 |
| 41 | 2027-08 | 6.21 | 0.21 | 6.00 | 114.00 |
| 42 | 2027-09 | 6.20 | 0.20 | 6.00 | 108.00 |
| 43 | 2027-10 | 6.19 | 0.19 | 6.00 | 102.00 |
| 44 | 2027-11 | 6.18 | 0.18 | 6.00 | 96.00 |
| 45 | 2027-12 | 6.17 | 0.17 | 6.00 | 90.00 |
| 46 | 2028-01 | 6.16 | 0.16 | 6.00 | 84.00 |
| 47 | 2028-02 | 6.15 | 0.15 | 6.00 | 78.00 |
| 48 | 2028-03 | 6.14 | 0.14 | 6.00 | 72.00 |
| 49 | 2028-04 | 6.13 | 0.13 | 6.00 | 66.00 |
| 50 | 2028-05 | 6.12 | 0.12 | 6.00 | 60.00 |
| 51 | 2028-06 | 6.11 | 0.11 | 6.00 | 54.00 |
| 52 | 2028-07 | 6.10 | 0.10 | 6.00 | 48.00 |
| 53 | 2028-08 | 6.09 | 0.09 | 6.00 | 42.00 |
| 54 | 2028-09 | 6.07 | 0.07 | 6.00 | 36.00 |
| 55 | 2028-10 | 6.06 | 0.06 | 6.00 | 30.00 |
| 56 | 2028-11 | 6.05 | 0.05 | 6.00 | 24.00 |
| 57 | 2028-12 | 6.04 | 0.04 | 6.00 | 18.00 |
| 58 | 2029-01 | 6.03 | 0.03 | 6.00 | 12.00 |
| 59 | 2029-02 | 6.02 | 0.02 | 6.00 | 6.00 |
| 60 | 2029-03 | 6.01 | 0.01 | 6.00 | 0.00 |