贷款18万（商业贷款）房贷，还款3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：18万
还款月数：3年
每月还款：5270.39元
利息总额：9734.05元
本息合计：18.97万
| 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 | 5270.39 | 517.50 | 4752.89 | 175247.11 |
| 2 | 2024-05 | 5270.39 | 503.84 | 4766.55 | 170480.55 |
| 3 | 2024-06 | 5270.39 | 490.13 | 4780.26 | 165700.30 |
| 4 | 2024-07 | 5270.39 | 476.39 | 4794.00 | 160906.29 |
| 5 | 2024-08 | 5270.39 | 462.61 | 4807.78 | 156098.51 |
| 6 | 2024-09 | 5270.39 | 448.78 | 4821.61 | 151276.90 |
| 7 | 2024-10 | 5270.39 | 434.92 | 4835.47 | 146441.43 |
| 8 | 2024-11 | 5270.39 | 421.02 | 4849.37 | 141592.06 |
| 9 | 2024-12 | 5270.39 | 407.08 | 4863.31 | 136728.75 |
| 10 | 2025-01 | 5270.39 | 393.10 | 4877.30 | 131851.45 |
| 11 | 2025-02 | 5270.39 | 379.07 | 4891.32 | 126960.14 |
| 12 | 2025-03 | 5270.39 | 365.01 | 4905.38 | 122054.76 |
| 13 | 2025-04 | 5270.39 | 350.91 | 4919.48 | 117135.27 |
| 14 | 2025-05 | 5270.39 | 336.76 | 4933.63 | 112201.65 |
| 15 | 2025-06 | 5270.39 | 322.58 | 4947.81 | 107253.84 |
| 16 | 2025-07 | 5270.39 | 308.35 | 4962.04 | 102291.80 |
| 17 | 2025-08 | 5270.39 | 294.09 | 4976.30 | 97315.50 |
| 18 | 2025-09 | 5270.39 | 279.78 | 4990.61 | 92324.89 |
| 19 | 2025-10 | 5270.39 | 265.43 | 5004.96 | 87319.94 |
| 20 | 2025-11 | 5270.39 | 251.04 | 5019.35 | 82300.59 |
| 21 | 2025-12 | 5270.39 | 236.61 | 5033.78 | 77266.81 |
| 22 | 2026-01 | 5270.39 | 222.14 | 5048.25 | 72218.57 |
| 23 | 2026-02 | 5270.39 | 207.63 | 5062.76 | 67155.80 |
| 24 | 2026-03 | 5270.39 | 193.07 | 5077.32 | 62078.49 |
| 25 | 2026-04 | 5270.39 | 178.48 | 5091.91 | 56986.57 |
| 26 | 2026-05 | 5270.39 | 163.84 | 5106.55 | 51880.02 |
| 27 | 2026-06 | 5270.39 | 149.16 | 5121.24 | 46758.78 |
| 28 | 2026-07 | 5270.39 | 134.43 | 5135.96 | 41622.82 |
| 29 | 2026-08 | 5270.39 | 119.67 | 5150.72 | 36472.10 |
| 30 | 2026-09 | 5270.39 | 104.86 | 5165.53 | 31306.57 |
| 31 | 2026-10 | 5270.39 | 90.01 | 5180.38 | 26126.18 |
| 32 | 2026-11 | 5270.39 | 75.11 | 5195.28 | 20930.90 |
| 33 | 2026-12 | 5270.39 | 60.18 | 5210.21 | 15720.69 |
| 34 | 2027-01 | 5270.39 | 45.20 | 5225.19 | 10495.50 |
| 35 | 2027-02 | 5270.39 | 30.17 | 5240.22 | 5255.28 |
| 36 | 2027-03 | 5270.39 | 15.11 | 5255.28 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：3年
首月还款：5517.5元
每月递减：14.38元
利息总额：9573.75元
本息合计：18.96万
节省利息：160.3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 | 5517.50 | 517.50 | 5000.00 | 175000.00 |
| 2 | 2024-05 | 5503.13 | 503.13 | 5000.00 | 170000.00 |
| 3 | 2024-06 | 5488.75 | 488.75 | 5000.00 | 165000.00 |
| 4 | 2024-07 | 5474.38 | 474.38 | 5000.00 | 160000.00 |
| 5 | 2024-08 | 5460.00 | 460.00 | 5000.00 | 155000.00 |
| 6 | 2024-09 | 5445.63 | 445.63 | 5000.00 | 150000.00 |
| 7 | 2024-10 | 5431.25 | 431.25 | 5000.00 | 145000.00 |
| 8 | 2024-11 | 5416.88 | 416.88 | 5000.00 | 140000.00 |
| 9 | 2024-12 | 5402.50 | 402.50 | 5000.00 | 135000.00 |
| 10 | 2025-01 | 5388.13 | 388.13 | 5000.00 | 130000.00 |
| 11 | 2025-02 | 5373.75 | 373.75 | 5000.00 | 125000.00 |
| 12 | 2025-03 | 5359.38 | 359.38 | 5000.00 | 120000.00 |
| 13 | 2025-04 | 5345.00 | 345.00 | 5000.00 | 115000.00 |
| 14 | 2025-05 | 5330.63 | 330.63 | 5000.00 | 110000.00 |
| 15 | 2025-06 | 5316.25 | 316.25 | 5000.00 | 105000.00 |
| 16 | 2025-07 | 5301.88 | 301.88 | 5000.00 | 100000.00 |
| 17 | 2025-08 | 5287.50 | 287.50 | 5000.00 | 95000.00 |
| 18 | 2025-09 | 5273.13 | 273.13 | 5000.00 | 90000.00 |
| 19 | 2025-10 | 5258.75 | 258.75 | 5000.00 | 85000.00 |
| 20 | 2025-11 | 5244.38 | 244.38 | 5000.00 | 80000.00 |
| 21 | 2025-12 | 5230.00 | 230.00 | 5000.00 | 75000.00 |
| 22 | 2026-01 | 5215.63 | 215.63 | 5000.00 | 70000.00 |
| 23 | 2026-02 | 5201.25 | 201.25 | 5000.00 | 65000.00 |
| 24 | 2026-03 | 5186.88 | 186.88 | 5000.00 | 60000.00 |
| 25 | 2026-04 | 5172.50 | 172.50 | 5000.00 | 55000.00 |
| 26 | 2026-05 | 5158.13 | 158.13 | 5000.00 | 50000.00 |
| 27 | 2026-06 | 5143.75 | 143.75 | 5000.00 | 45000.00 |
| 28 | 2026-07 | 5129.38 | 129.38 | 5000.00 | 40000.00 |
| 29 | 2026-08 | 5115.00 | 115.00 | 5000.00 | 35000.00 |
| 30 | 2026-09 | 5100.63 | 100.63 | 5000.00 | 30000.00 |
| 31 | 2026-10 | 5086.25 | 86.25 | 5000.00 | 25000.00 |
| 32 | 2026-11 | 5071.88 | 71.88 | 5000.00 | 20000.00 |
| 33 | 2026-12 | 5057.50 | 57.50 | 5000.00 | 15000.00 |
| 34 | 2027-01 | 5043.13 | 43.13 | 5000.00 | 10000.00 |
| 35 | 2027-02 | 5028.75 | 28.75 | 5000.00 | 5000.00 |
| 36 | 2027-03 | 5014.38 | 14.38 | 5000.00 | 0.00 |