贷款36万（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：36万
还款月数：10年
每月还款：3696.37元
利息总额：8.36万
本息合计：44.36万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 3696.37 | 1290.00 | 2406.37 | 357593.63 |
| 2 | 2024-06 | 3696.37 | 1281.38 | 2415.00 | 355178.63 |
| 3 | 2024-07 | 3696.37 | 1272.72 | 2423.65 | 352754.98 |
| 4 | 2024-08 | 3696.37 | 1264.04 | 2432.33 | 350322.65 |
| 5 | 2024-09 | 3696.37 | 1255.32 | 2441.05 | 347881.60 |
| 6 | 2024-10 | 3696.37 | 1246.58 | 2449.80 | 345431.80 |
| 7 | 2024-11 | 3696.37 | 1237.80 | 2458.58 | 342973.22 |
| 8 | 2024-12 | 3696.37 | 1228.99 | 2467.39 | 340505.84 |
| 9 | 2025-01 | 3696.37 | 1220.15 | 2476.23 | 338029.61 |
| 10 | 2025-02 | 3696.37 | 1211.27 | 2485.10 | 335544.51 |
| 11 | 2025-03 | 3696.37 | 1202.37 | 2494.01 | 333050.50 |
| 12 | 2025-04 | 3696.37 | 1193.43 | 2502.94 | 330547.56 |
| 13 | 2025-05 | 3696.37 | 1184.46 | 2511.91 | 328035.65 |
| 14 | 2025-06 | 3696.37 | 1175.46 | 2520.91 | 325514.74 |
| 15 | 2025-07 | 3696.37 | 1166.43 | 2529.95 | 322984.79 |
| 16 | 2025-08 | 3696.37 | 1157.36 | 2539.01 | 320445.78 |
| 17 | 2025-09 | 3696.37 | 1148.26 | 2548.11 | 317897.67 |
| 18 | 2025-10 | 3696.37 | 1139.13 | 2557.24 | 315340.43 |
| 19 | 2025-11 | 3696.37 | 1129.97 | 2566.40 | 312774.03 |
| 20 | 2025-12 | 3696.37 | 1120.77 | 2575.60 | 310198.43 |
| 21 | 2026-01 | 3696.37 | 1111.54 | 2584.83 | 307613.60 |
| 22 | 2026-02 | 3696.37 | 1102.28 | 2594.09 | 305019.51 |
| 23 | 2026-03 | 3696.37 | 1092.99 | 2603.39 | 302416.13 |
| 24 | 2026-04 | 3696.37 | 1083.66 | 2612.72 | 299803.41 |
| 25 | 2026-05 | 3696.37 | 1074.30 | 2622.08 | 297181.33 |
| 26 | 2026-06 | 3696.37 | 1064.90 | 2631.47 | 294549.86 |
| 27 | 2026-07 | 3696.37 | 1055.47 | 2640.90 | 291908.96 |
| 28 | 2026-08 | 3696.37 | 1046.01 | 2650.37 | 289258.59 |
| 29 | 2026-09 | 3696.37 | 1036.51 | 2659.86 | 286598.73 |
| 30 | 2026-10 | 3696.37 | 1026.98 | 2669.39 | 283929.33 |
| 31 | 2026-11 | 3696.37 | 1017.41 | 2678.96 | 281250.37 |
| 32 | 2026-12 | 3696.37 | 1007.81 | 2688.56 | 278561.81 |
| 33 | 2027-01 | 3696.37 | 998.18 | 2698.19 | 275863.62 |
| 34 | 2027-02 | 3696.37 | 988.51 | 2707.86 | 273155.76 |
| 35 | 2027-03 | 3696.37 | 978.81 | 2717.56 | 270438.19 |
| 36 | 2027-04 | 3696.37 | 969.07 | 2727.30 | 267710.89 |
| 37 | 2027-05 | 3696.37 | 959.30 | 2737.08 | 264973.82 |
| 38 | 2027-06 | 3696.37 | 949.49 | 2746.88 | 262226.93 |
| 39 | 2027-07 | 3696.37 | 939.65 | 2756.73 | 259470.21 |
| 40 | 2027-08 | 3696.37 | 929.77 | 2766.60 | 256703.60 |
| 41 | 2027-09 | 3696.37 | 919.85 | 2776.52 | 253927.08 |
| 42 | 2027-10 | 3696.37 | 909.91 | 2786.47 | 251140.61 |
| 43 | 2027-11 | 3696.37 | 899.92 | 2796.45 | 248344.16 |
| 44 | 2027-12 | 3696.37 | 889.90 | 2806.47 | 245537.69 |
| 45 | 2028-01 | 3696.37 | 879.84 | 2816.53 | 242721.16 |
| 46 | 2028-02 | 3696.37 | 869.75 | 2826.62 | 239894.54 |
| 47 | 2028-03 | 3696.37 | 859.62 | 2836.75 | 237057.79 |
| 48 | 2028-04 | 3696.37 | 849.46 | 2846.92 | 234210.87 |
| 49 | 2028-05 | 3696.37 | 839.26 | 2857.12 | 231353.75 |
| 50 | 2028-06 | 3696.37 | 829.02 | 2867.36 | 228486.40 |
| 51 | 2028-07 | 3696.37 | 818.74 | 2877.63 | 225608.77 |
| 52 | 2028-08 | 3696.37 | 808.43 | 2887.94 | 222720.82 |
| 53 | 2028-09 | 3696.37 | 798.08 | 2898.29 | 219822.53 |
| 54 | 2028-10 | 3696.37 | 787.70 | 2908.68 | 216913.86 |
| 55 | 2028-11 | 3696.37 | 777.27 | 2919.10 | 213994.76 |
| 56 | 2028-12 | 3696.37 | 766.81 | 2929.56 | 211065.20 |
| 57 | 2029-01 | 3696.37 | 756.32 | 2940.06 | 208125.15 |
| 58 | 2029-02 | 3696.37 | 745.78 | 2950.59 | 205174.55 |
| 59 | 2029-03 | 3696.37 | 735.21 | 2961.16 | 202213.39 |
| 60 | 2029-04 | 3696.37 | 724.60 | 2971.78 | 199241.61 |
| 61 | 2029-05 | 3696.37 | 713.95 | 2982.42 | 196259.19 |
| 62 | 2029-06 | 3696.37 | 703.26 | 2993.11 | 193266.08 |
| 63 | 2029-07 | 3696.37 | 692.54 | 3003.84 | 190262.24 |
| 64 | 2029-08 | 3696.37 | 681.77 | 3014.60 | 187247.64 |
| 65 | 2029-09 | 3696.37 | 670.97 | 3025.40 | 184222.24 |
| 66 | 2029-10 | 3696.37 | 660.13 | 3036.24 | 181186.00 |
| 67 | 2029-11 | 3696.37 | 649.25 | 3047.12 | 178138.87 |
| 68 | 2029-12 | 3696.37 | 638.33 | 3058.04 | 175080.83 |
| 69 | 2030-01 | 3696.37 | 627.37 | 3069.00 | 172011.83 |
| 70 | 2030-02 | 3696.37 | 616.38 | 3080.00 | 168931.83 |
| 71 | 2030-03 | 3696.37 | 605.34 | 3091.03 | 165840.80 |
| 72 | 2030-04 | 3696.37 | 594.26 | 3102.11 | 162738.69 |
| 73 | 2030-05 | 3696.37 | 583.15 | 3113.23 | 159625.46 |
| 74 | 2030-06 | 3696.37 | 571.99 | 3124.38 | 156501.08 |
| 75 | 2030-07 | 3696.37 | 560.80 | 3135.58 | 153365.51 |
| 76 | 2030-08 | 3696.37 | 549.56 | 3146.81 | 150218.69 |
| 77 | 2030-09 | 3696.37 | 538.28 | 3158.09 | 147060.60 |
| 78 | 2030-10 | 3696.37 | 526.97 | 3169.41 | 143891.20 |
| 79 | 2030-11 | 3696.37 | 515.61 | 3180.76 | 140710.43 |
| 80 | 2030-12 | 3696.37 | 504.21 | 3192.16 | 137518.27 |
| 81 | 2031-01 | 3696.37 | 492.77 | 3203.60 | 134314.67 |
| 82 | 2031-02 | 3696.37 | 481.29 | 3215.08 | 131099.59 |
| 83 | 2031-03 | 3696.37 | 469.77 | 3226.60 | 127872.99 |
| 84 | 2031-04 | 3696.37 | 458.21 | 3238.16 | 124634.83 |
| 85 | 2031-05 | 3696.37 | 446.61 | 3249.76 | 121385.07 |
| 86 | 2031-06 | 3696.37 | 434.96 | 3261.41 | 118123.66 |
| 87 | 2031-07 | 3696.37 | 423.28 | 3273.10 | 114850.56 |
| 88 | 2031-08 | 3696.37 | 411.55 | 3284.83 | 111565.74 |
| 89 | 2031-09 | 3696.37 | 399.78 | 3296.60 | 108269.14 |
| 90 | 2031-10 | 3696.37 | 387.96 | 3308.41 | 104960.73 |
| 91 | 2031-11 | 3696.37 | 376.11 | 3320.26 | 101640.47 |
| 92 | 2031-12 | 3696.37 | 364.21 | 3332.16 | 98308.31 |
| 93 | 2032-01 | 3696.37 | 352.27 | 3344.10 | 94964.20 |
| 94 | 2032-02 | 3696.37 | 340.29 | 3356.08 | 91608.12 |
| 95 | 2032-03 | 3696.37 | 328.26 | 3368.11 | 88240.01 |
| 96 | 2032-04 | 3696.37 | 316.19 | 3380.18 | 84859.83 |
| 97 | 2032-05 | 3696.37 | 304.08 | 3392.29 | 81467.54 |
| 98 | 2032-06 | 3696.37 | 291.93 | 3404.45 | 78063.09 |
| 99 | 2032-07 | 3696.37 | 279.73 | 3416.65 | 74646.44 |
| 100 | 2032-08 | 3696.37 | 267.48 | 3428.89 | 71217.55 |
| 101 | 2032-09 | 3696.37 | 255.20 | 3441.18 | 67776.38 |
| 102 | 2032-10 | 3696.37 | 242.87 | 3453.51 | 64322.87 |
| 103 | 2032-11 | 3696.37 | 230.49 | 3465.88 | 60856.99 |
| 104 | 2032-12 | 3696.37 | 218.07 | 3478.30 | 57378.68 |
| 105 | 2033-01 | 3696.37 | 205.61 | 3490.77 | 53887.92 |
| 106 | 2033-02 | 3696.37 | 193.10 | 3503.27 | 50384.64 |
| 107 | 2033-03 | 3696.37 | 180.54 | 3515.83 | 46868.81 |
| 108 | 2033-04 | 3696.37 | 167.95 | 3528.43 | 43340.39 |
| 109 | 2033-05 | 3696.37 | 155.30 | 3541.07 | 39799.32 |
| 110 | 2033-06 | 3696.37 | 142.61 | 3553.76 | 36245.56 |
| 111 | 2033-07 | 3696.37 | 129.88 | 3566.49 | 32679.07 |
| 112 | 2033-08 | 3696.37 | 117.10 | 3579.27 | 29099.79 |
| 113 | 2033-09 | 3696.37 | 104.27 | 3592.10 | 25507.69 |
| 114 | 2033-10 | 3696.37 | 91.40 | 3604.97 | 21902.72 |
| 115 | 2033-11 | 3696.37 | 78.48 | 3617.89 | 18284.83 |
| 116 | 2033-12 | 3696.37 | 65.52 | 3630.85 | 14653.98 |
| 117 | 2034-01 | 3696.37 | 52.51 | 3643.86 | 11010.12 |
| 118 | 2034-02 | 3696.37 | 39.45 | 3656.92 | 7353.20 |
| 119 | 2034-03 | 3696.37 | 26.35 | 3670.02 | 3683.18 |
| 120 | 2034-04 | 3696.37 | 13.20 | 3683.18 | 0.00 |
等额本金还款方式：
贷款总额：36万
还款月数：10年
首月还款：4290元
每月递减：10.75元
利息总额：7.8万
本息合计：43.8万
节省利息：5519.77元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 4290.00 | 1290.00 | 3000.00 | 357000.00 |
| 2 | 2024-06 | 4279.25 | 1279.25 | 3000.00 | 354000.00 |
| 3 | 2024-07 | 4268.50 | 1268.50 | 3000.00 | 351000.00 |
| 4 | 2024-08 | 4257.75 | 1257.75 | 3000.00 | 348000.00 |
| 5 | 2024-09 | 4247.00 | 1247.00 | 3000.00 | 345000.00 |
| 6 | 2024-10 | 4236.25 | 1236.25 | 3000.00 | 342000.00 |
| 7 | 2024-11 | 4225.50 | 1225.50 | 3000.00 | 339000.00 |
| 8 | 2024-12 | 4214.75 | 1214.75 | 3000.00 | 336000.00 |
| 9 | 2025-01 | 4204.00 | 1204.00 | 3000.00 | 333000.00 |
| 10 | 2025-02 | 4193.25 | 1193.25 | 3000.00 | 330000.00 |
| 11 | 2025-03 | 4182.50 | 1182.50 | 3000.00 | 327000.00 |
| 12 | 2025-04 | 4171.75 | 1171.75 | 3000.00 | 324000.00 |
| 13 | 2025-05 | 4161.00 | 1161.00 | 3000.00 | 321000.00 |
| 14 | 2025-06 | 4150.25 | 1150.25 | 3000.00 | 318000.00 |
| 15 | 2025-07 | 4139.50 | 1139.50 | 3000.00 | 315000.00 |
| 16 | 2025-08 | 4128.75 | 1128.75 | 3000.00 | 312000.00 |
| 17 | 2025-09 | 4118.00 | 1118.00 | 3000.00 | 309000.00 |
| 18 | 2025-10 | 4107.25 | 1107.25 | 3000.00 | 306000.00 |
| 19 | 2025-11 | 4096.50 | 1096.50 | 3000.00 | 303000.00 |
| 20 | 2025-12 | 4085.75 | 1085.75 | 3000.00 | 300000.00 |
| 21 | 2026-01 | 4075.00 | 1075.00 | 3000.00 | 297000.00 |
| 22 | 2026-02 | 4064.25 | 1064.25 | 3000.00 | 294000.00 |
| 23 | 2026-03 | 4053.50 | 1053.50 | 3000.00 | 291000.00 |
| 24 | 2026-04 | 4042.75 | 1042.75 | 3000.00 | 288000.00 |
| 25 | 2026-05 | 4032.00 | 1032.00 | 3000.00 | 285000.00 |
| 26 | 2026-06 | 4021.25 | 1021.25 | 3000.00 | 282000.00 |
| 27 | 2026-07 | 4010.50 | 1010.50 | 3000.00 | 279000.00 |
| 28 | 2026-08 | 3999.75 | 999.75 | 3000.00 | 276000.00 |
| 29 | 2026-09 | 3989.00 | 989.00 | 3000.00 | 273000.00 |
| 30 | 2026-10 | 3978.25 | 978.25 | 3000.00 | 270000.00 |
| 31 | 2026-11 | 3967.50 | 967.50 | 3000.00 | 267000.00 |
| 32 | 2026-12 | 3956.75 | 956.75 | 3000.00 | 264000.00 |
| 33 | 2027-01 | 3946.00 | 946.00 | 3000.00 | 261000.00 |
| 34 | 2027-02 | 3935.25 | 935.25 | 3000.00 | 258000.00 |
| 35 | 2027-03 | 3924.50 | 924.50 | 3000.00 | 255000.00 |
| 36 | 2027-04 | 3913.75 | 913.75 | 3000.00 | 252000.00 |
| 37 | 2027-05 | 3903.00 | 903.00 | 3000.00 | 249000.00 |
| 38 | 2027-06 | 3892.25 | 892.25 | 3000.00 | 246000.00 |
| 39 | 2027-07 | 3881.50 | 881.50 | 3000.00 | 243000.00 |
| 40 | 2027-08 | 3870.75 | 870.75 | 3000.00 | 240000.00 |
| 41 | 2027-09 | 3860.00 | 860.00 | 3000.00 | 237000.00 |
| 42 | 2027-10 | 3849.25 | 849.25 | 3000.00 | 234000.00 |
| 43 | 2027-11 | 3838.50 | 838.50 | 3000.00 | 231000.00 |
| 44 | 2027-12 | 3827.75 | 827.75 | 3000.00 | 228000.00 |
| 45 | 2028-01 | 3817.00 | 817.00 | 3000.00 | 225000.00 |
| 46 | 2028-02 | 3806.25 | 806.25 | 3000.00 | 222000.00 |
| 47 | 2028-03 | 3795.50 | 795.50 | 3000.00 | 219000.00 |
| 48 | 2028-04 | 3784.75 | 784.75 | 3000.00 | 216000.00 |
| 49 | 2028-05 | 3774.00 | 774.00 | 3000.00 | 213000.00 |
| 50 | 2028-06 | 3763.25 | 763.25 | 3000.00 | 210000.00 |
| 51 | 2028-07 | 3752.50 | 752.50 | 3000.00 | 207000.00 |
| 52 | 2028-08 | 3741.75 | 741.75 | 3000.00 | 204000.00 |
| 53 | 2028-09 | 3731.00 | 731.00 | 3000.00 | 201000.00 |
| 54 | 2028-10 | 3720.25 | 720.25 | 3000.00 | 198000.00 |
| 55 | 2028-11 | 3709.50 | 709.50 | 3000.00 | 195000.00 |
| 56 | 2028-12 | 3698.75 | 698.75 | 3000.00 | 192000.00 |
| 57 | 2029-01 | 3688.00 | 688.00 | 3000.00 | 189000.00 |
| 58 | 2029-02 | 3677.25 | 677.25 | 3000.00 | 186000.00 |
| 59 | 2029-03 | 3666.50 | 666.50 | 3000.00 | 183000.00 |
| 60 | 2029-04 | 3655.75 | 655.75 | 3000.00 | 180000.00 |
| 61 | 2029-05 | 3645.00 | 645.00 | 3000.00 | 177000.00 |
| 62 | 2029-06 | 3634.25 | 634.25 | 3000.00 | 174000.00 |
| 63 | 2029-07 | 3623.50 | 623.50 | 3000.00 | 171000.00 |
| 64 | 2029-08 | 3612.75 | 612.75 | 3000.00 | 168000.00 |
| 65 | 2029-09 | 3602.00 | 602.00 | 3000.00 | 165000.00 |
| 66 | 2029-10 | 3591.25 | 591.25 | 3000.00 | 162000.00 |
| 67 | 2029-11 | 3580.50 | 580.50 | 3000.00 | 159000.00 |
| 68 | 2029-12 | 3569.75 | 569.75 | 3000.00 | 156000.00 |
| 69 | 2030-01 | 3559.00 | 559.00 | 3000.00 | 153000.00 |
| 70 | 2030-02 | 3548.25 | 548.25 | 3000.00 | 150000.00 |
| 71 | 2030-03 | 3537.50 | 537.50 | 3000.00 | 147000.00 |
| 72 | 2030-04 | 3526.75 | 526.75 | 3000.00 | 144000.00 |
| 73 | 2030-05 | 3516.00 | 516.00 | 3000.00 | 141000.00 |
| 74 | 2030-06 | 3505.25 | 505.25 | 3000.00 | 138000.00 |
| 75 | 2030-07 | 3494.50 | 494.50 | 3000.00 | 135000.00 |
| 76 | 2030-08 | 3483.75 | 483.75 | 3000.00 | 132000.00 |
| 77 | 2030-09 | 3473.00 | 473.00 | 3000.00 | 129000.00 |
| 78 | 2030-10 | 3462.25 | 462.25 | 3000.00 | 126000.00 |
| 79 | 2030-11 | 3451.50 | 451.50 | 3000.00 | 123000.00 |
| 80 | 2030-12 | 3440.75 | 440.75 | 3000.00 | 120000.00 |
| 81 | 2031-01 | 3430.00 | 430.00 | 3000.00 | 117000.00 |
| 82 | 2031-02 | 3419.25 | 419.25 | 3000.00 | 114000.00 |
| 83 | 2031-03 | 3408.50 | 408.50 | 3000.00 | 111000.00 |
| 84 | 2031-04 | 3397.75 | 397.75 | 3000.00 | 108000.00 |
| 85 | 2031-05 | 3387.00 | 387.00 | 3000.00 | 105000.00 |
| 86 | 2031-06 | 3376.25 | 376.25 | 3000.00 | 102000.00 |
| 87 | 2031-07 | 3365.50 | 365.50 | 3000.00 | 99000.00 |
| 88 | 2031-08 | 3354.75 | 354.75 | 3000.00 | 96000.00 |
| 89 | 2031-09 | 3344.00 | 344.00 | 3000.00 | 93000.00 |
| 90 | 2031-10 | 3333.25 | 333.25 | 3000.00 | 90000.00 |
| 91 | 2031-11 | 3322.50 | 322.50 | 3000.00 | 87000.00 |
| 92 | 2031-12 | 3311.75 | 311.75 | 3000.00 | 84000.00 |
| 93 | 2032-01 | 3301.00 | 301.00 | 3000.00 | 81000.00 |
| 94 | 2032-02 | 3290.25 | 290.25 | 3000.00 | 78000.00 |
| 95 | 2032-03 | 3279.50 | 279.50 | 3000.00 | 75000.00 |
| 96 | 2032-04 | 3268.75 | 268.75 | 3000.00 | 72000.00 |
| 97 | 2032-05 | 3258.00 | 258.00 | 3000.00 | 69000.00 |
| 98 | 2032-06 | 3247.25 | 247.25 | 3000.00 | 66000.00 |
| 99 | 2032-07 | 3236.50 | 236.50 | 3000.00 | 63000.00 |
| 100 | 2032-08 | 3225.75 | 225.75 | 3000.00 | 60000.00 |
| 101 | 2032-09 | 3215.00 | 215.00 | 3000.00 | 57000.00 |
| 102 | 2032-10 | 3204.25 | 204.25 | 3000.00 | 54000.00 |
| 103 | 2032-11 | 3193.50 | 193.50 | 3000.00 | 51000.00 |
| 104 | 2032-12 | 3182.75 | 182.75 | 3000.00 | 48000.00 |
| 105 | 2033-01 | 3172.00 | 172.00 | 3000.00 | 45000.00 |
| 106 | 2033-02 | 3161.25 | 161.25 | 3000.00 | 42000.00 |
| 107 | 2033-03 | 3150.50 | 150.50 | 3000.00 | 39000.00 |
| 108 | 2033-04 | 3139.75 | 139.75 | 3000.00 | 36000.00 |
| 109 | 2033-05 | 3129.00 | 129.00 | 3000.00 | 33000.00 |
| 110 | 2033-06 | 3118.25 | 118.25 | 3000.00 | 30000.00 |
| 111 | 2033-07 | 3107.50 | 107.50 | 3000.00 | 27000.00 |
| 112 | 2033-08 | 3096.75 | 96.75 | 3000.00 | 24000.00 |
| 113 | 2033-09 | 3086.00 | 86.00 | 3000.00 | 21000.00 |
| 114 | 2033-10 | 3075.25 | 75.25 | 3000.00 | 18000.00 |
| 115 | 2033-11 | 3064.50 | 64.50 | 3000.00 | 15000.00 |
| 116 | 2033-12 | 3053.75 | 53.75 | 3000.00 | 12000.00 |
| 117 | 2034-01 | 3043.00 | 43.00 | 3000.00 | 9000.00 |
| 118 | 2034-02 | 3032.25 | 32.25 | 3000.00 | 6000.00 |
| 119 | 2034-03 | 3021.50 | 21.50 | 3000.00 | 3000.00 |
| 120 | 2034-04 | 3010.75 | 10.75 | 3000.00 | 0.00 |