贷款10万（商业贷款）房贷，还款3年4个月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：10万
还款月数：3年4个月
每月还款：2672.3元
利息总额：6892.02元
本息合计：10.69万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 2672.30 | 329.17 | 2343.13 | 97656.87 |
| 2 | 2026-03 | 2672.30 | 321.45 | 2350.85 | 95306.02 |
| 3 | 2026-04 | 2672.30 | 313.72 | 2358.58 | 92947.44 |
| 4 | 2026-05 | 2672.30 | 305.95 | 2366.35 | 90581.09 |
| 5 | 2026-06 | 2672.30 | 298.16 | 2374.14 | 88206.95 |
| 6 | 2026-07 | 2672.30 | 290.35 | 2381.95 | 85825.00 |
| 7 | 2026-08 | 2672.30 | 282.51 | 2389.79 | 83435.20 |
| 8 | 2026-09 | 2672.30 | 274.64 | 2397.66 | 81037.54 |
| 9 | 2026-10 | 2672.30 | 266.75 | 2405.55 | 78631.99 |
| 10 | 2026-11 | 2672.30 | 258.83 | 2413.47 | 76218.52 |
| 11 | 2026-12 | 2672.30 | 250.89 | 2421.41 | 73797.11 |
| 12 | 2027-01 | 2672.30 | 242.92 | 2429.38 | 71367.72 |
| 13 | 2027-02 | 2672.30 | 234.92 | 2437.38 | 68930.34 |
| 14 | 2027-03 | 2672.30 | 226.90 | 2445.40 | 66484.94 |
| 15 | 2027-04 | 2672.30 | 218.85 | 2453.45 | 64031.48 |
| 16 | 2027-05 | 2672.30 | 210.77 | 2461.53 | 61569.95 |
| 17 | 2027-06 | 2672.30 | 202.67 | 2469.63 | 59100.32 |
| 18 | 2027-07 | 2672.30 | 194.54 | 2477.76 | 56622.56 |
| 19 | 2027-08 | 2672.30 | 186.38 | 2485.92 | 54136.64 |
| 20 | 2027-09 | 2672.30 | 178.20 | 2494.10 | 51642.54 |
| 21 | 2027-10 | 2672.30 | 169.99 | 2502.31 | 49140.23 |
| 22 | 2027-11 | 2672.30 | 161.75 | 2510.55 | 46629.68 |
| 23 | 2027-12 | 2672.30 | 153.49 | 2518.81 | 44110.87 |
| 24 | 2028-01 | 2672.30 | 145.20 | 2527.10 | 41583.77 |
| 25 | 2028-02 | 2672.30 | 136.88 | 2535.42 | 39048.35 |
| 26 | 2028-03 | 2672.30 | 128.53 | 2543.77 | 36504.58 |
| 27 | 2028-04 | 2672.30 | 120.16 | 2552.14 | 33952.44 |
| 28 | 2028-05 | 2672.30 | 111.76 | 2560.54 | 31391.90 |
| 29 | 2028-06 | 2672.30 | 103.33 | 2568.97 | 28822.93 |
| 30 | 2028-07 | 2672.30 | 94.88 | 2577.42 | 26245.51 |
| 31 | 2028-08 | 2672.30 | 86.39 | 2585.91 | 23659.60 |
| 32 | 2028-09 | 2672.30 | 77.88 | 2594.42 | 21065.18 |
| 33 | 2028-10 | 2672.30 | 69.34 | 2602.96 | 18462.22 |
| 34 | 2028-11 | 2672.30 | 60.77 | 2611.53 | 15850.69 |
| 35 | 2028-12 | 2672.30 | 52.18 | 2620.13 | 13230.56 |
| 36 | 2029-01 | 2672.30 | 43.55 | 2628.75 | 10601.81 |
| 37 | 2029-02 | 2672.30 | 34.90 | 2637.40 | 7964.41 |
| 38 | 2029-03 | 2672.30 | 26.22 | 2646.08 | 5318.33 |
| 39 | 2029-04 | 2672.30 | 17.51 | 2654.79 | 2663.53 |
| 40 | 2029-05 | 2672.30 | 8.77 | 2663.53 | 0.00 |
等额本金还款方式：
贷款总额：10万
还款月数：3年4个月
首月还款：2829.17元
每月递减：8.23元
利息总额：6747.92元
本息合计：10.67万
节省利息：144.1元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-02 | 2829.17 | 329.17 | 2500.00 | 97500.00 |
| 2 | 2026-03 | 2820.94 | 320.94 | 2500.00 | 95000.00 |
| 3 | 2026-04 | 2812.71 | 312.71 | 2500.00 | 92500.00 |
| 4 | 2026-05 | 2804.48 | 304.48 | 2500.00 | 90000.00 |
| 5 | 2026-06 | 2796.25 | 296.25 | 2500.00 | 87500.00 |
| 6 | 2026-07 | 2788.02 | 288.02 | 2500.00 | 85000.00 |
| 7 | 2026-08 | 2779.79 | 279.79 | 2500.00 | 82500.00 |
| 8 | 2026-09 | 2771.56 | 271.56 | 2500.00 | 80000.00 |
| 9 | 2026-10 | 2763.33 | 263.33 | 2500.00 | 77500.00 |
| 10 | 2026-11 | 2755.10 | 255.10 | 2500.00 | 75000.00 |
| 11 | 2026-12 | 2746.88 | 246.88 | 2500.00 | 72500.00 |
| 12 | 2027-01 | 2738.65 | 238.65 | 2500.00 | 70000.00 |
| 13 | 2027-02 | 2730.42 | 230.42 | 2500.00 | 67500.00 |
| 14 | 2027-03 | 2722.19 | 222.19 | 2500.00 | 65000.00 |
| 15 | 2027-04 | 2713.96 | 213.96 | 2500.00 | 62500.00 |
| 16 | 2027-05 | 2705.73 | 205.73 | 2500.00 | 60000.00 |
| 17 | 2027-06 | 2697.50 | 197.50 | 2500.00 | 57500.00 |
| 18 | 2027-07 | 2689.27 | 189.27 | 2500.00 | 55000.00 |
| 19 | 2027-08 | 2681.04 | 181.04 | 2500.00 | 52500.00 |
| 20 | 2027-09 | 2672.81 | 172.81 | 2500.00 | 50000.00 |
| 21 | 2027-10 | 2664.58 | 164.58 | 2500.00 | 47500.00 |
| 22 | 2027-11 | 2656.35 | 156.35 | 2500.00 | 45000.00 |
| 23 | 2027-12 | 2648.13 | 148.13 | 2500.00 | 42500.00 |
| 24 | 2028-01 | 2639.90 | 139.90 | 2500.00 | 40000.00 |
| 25 | 2028-02 | 2631.67 | 131.67 | 2500.00 | 37500.00 |
| 26 | 2028-03 | 2623.44 | 123.44 | 2500.00 | 35000.00 |
| 27 | 2028-04 | 2615.21 | 115.21 | 2500.00 | 32500.00 |
| 28 | 2028-05 | 2606.98 | 106.98 | 2500.00 | 30000.00 |
| 29 | 2028-06 | 2598.75 | 98.75 | 2500.00 | 27500.00 |
| 30 | 2028-07 | 2590.52 | 90.52 | 2500.00 | 25000.00 |
| 31 | 2028-08 | 2582.29 | 82.29 | 2500.00 | 22500.00 |
| 32 | 2028-09 | 2574.06 | 74.06 | 2500.00 | 20000.00 |
| 33 | 2028-10 | 2565.83 | 65.83 | 2500.00 | 17500.00 |
| 34 | 2028-11 | 2557.60 | 57.60 | 2500.00 | 15000.00 |
| 35 | 2028-12 | 2549.38 | 49.38 | 2500.00 | 12500.00 |
| 36 | 2029-01 | 2541.15 | 41.15 | 2500.00 | 10000.00 |
| 37 | 2029-02 | 2532.92 | 32.92 | 2500.00 | 7500.00 |
| 38 | 2029-03 | 2524.69 | 24.69 | 2500.00 | 5000.00 |
| 39 | 2029-04 | 2516.46 | 16.46 | 2500.00 | 2500.00 |
| 40 | 2029-05 | 2508.23 | 8.23 | 2500.00 | 0.00 |