贷款10万（商业贷款）房贷，还款3年3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3个月
每月还款：2736.42元
利息总额：6720.31元
本息合计：10.67万
| 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 | 2736.42 | 329.17 | 2407.25 | 97592.75 |
| 2 | 2026-03 | 2736.42 | 321.24 | 2415.18 | 95177.57 |
| 3 | 2026-04 | 2736.42 | 313.29 | 2423.13 | 92754.45 |
| 4 | 2026-05 | 2736.42 | 305.32 | 2431.10 | 90323.35 |
| 5 | 2026-06 | 2736.42 | 297.31 | 2439.10 | 87884.24 |
| 6 | 2026-07 | 2736.42 | 289.29 | 2447.13 | 85437.11 |
| 7 | 2026-08 | 2736.42 | 281.23 | 2455.19 | 82981.92 |
| 8 | 2026-09 | 2736.42 | 273.15 | 2463.27 | 80518.65 |
| 9 | 2026-10 | 2736.42 | 265.04 | 2471.38 | 78047.27 |
| 10 | 2026-11 | 2736.42 | 256.91 | 2479.51 | 75567.76 |
| 11 | 2026-12 | 2736.42 | 248.74 | 2487.67 | 73080.09 |
| 12 | 2027-01 | 2736.42 | 240.56 | 2495.86 | 70584.22 |
| 13 | 2027-02 | 2736.42 | 232.34 | 2504.08 | 68080.15 |
| 14 | 2027-03 | 2736.42 | 224.10 | 2512.32 | 65567.82 |
| 15 | 2027-04 | 2736.42 | 215.83 | 2520.59 | 63047.23 |
| 16 | 2027-05 | 2736.42 | 207.53 | 2528.89 | 60518.35 |
| 17 | 2027-06 | 2736.42 | 199.21 | 2537.21 | 57981.13 |
| 18 | 2027-07 | 2736.42 | 190.85 | 2545.56 | 55435.57 |
| 19 | 2027-08 | 2736.42 | 182.48 | 2553.94 | 52881.63 |
| 20 | 2027-09 | 2736.42 | 174.07 | 2562.35 | 50319.28 |
| 21 | 2027-10 | 2736.42 | 165.63 | 2570.78 | 47748.49 |
| 22 | 2027-11 | 2736.42 | 157.17 | 2579.25 | 45169.25 |
| 23 | 2027-12 | 2736.42 | 148.68 | 2587.74 | 42581.51 |
| 24 | 2028-01 | 2736.42 | 140.16 | 2596.25 | 39985.26 |
| 25 | 2028-02 | 2736.42 | 131.62 | 2604.80 | 37380.46 |
| 26 | 2028-03 | 2736.42 | 123.04 | 2613.37 | 34767.08 |
| 27 | 2028-04 | 2736.42 | 114.44 | 2621.98 | 32145.10 |
| 28 | 2028-05 | 2736.42 | 105.81 | 2630.61 | 29514.50 |
| 29 | 2028-06 | 2736.42 | 97.15 | 2639.27 | 26875.23 |
| 30 | 2028-07 | 2736.42 | 88.46 | 2647.95 | 24227.28 |
| 31 | 2028-08 | 2736.42 | 79.75 | 2656.67 | 21570.61 |
| 32 | 2028-09 | 2736.42 | 71.00 | 2665.42 | 18905.19 |
| 33 | 2028-10 | 2736.42 | 62.23 | 2674.19 | 16231.00 |
| 34 | 2028-11 | 2736.42 | 53.43 | 2682.99 | 13548.01 |
| 35 | 2028-12 | 2736.42 | 44.60 | 2691.82 | 10856.19 |
| 36 | 2029-01 | 2736.42 | 35.73 | 2700.68 | 8155.51 |
| 37 | 2029-02 | 2736.42 | 26.85 | 2709.57 | 5445.93 |
| 38 | 2029-03 | 2736.42 | 17.93 | 2718.49 | 2727.44 |
| 39 | 2029-04 | 2736.42 | 8.98 | 2727.44 | 0.00 |
等额本金还款方式：
贷款总额：10万
还款月数：3年3个月
首月还款：2893.27元
每月递减：8.44元
利息总额：6583.33元
本息合计：10.66万
节省利息：136.98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 | 2893.27 | 329.17 | 2564.10 | 97435.90 |
| 2 | 2026-03 | 2884.83 | 320.73 | 2564.10 | 94871.79 |
| 3 | 2026-04 | 2876.39 | 312.29 | 2564.10 | 92307.69 |
| 4 | 2026-05 | 2867.95 | 303.85 | 2564.10 | 89743.59 |
| 5 | 2026-06 | 2859.51 | 295.41 | 2564.10 | 87179.49 |
| 6 | 2026-07 | 2851.07 | 286.97 | 2564.10 | 84615.38 |
| 7 | 2026-08 | 2842.63 | 278.53 | 2564.10 | 82051.28 |
| 8 | 2026-09 | 2834.19 | 270.09 | 2564.10 | 79487.18 |
| 9 | 2026-10 | 2825.75 | 261.65 | 2564.10 | 76923.08 |
| 10 | 2026-11 | 2817.31 | 253.21 | 2564.10 | 74358.97 |
| 11 | 2026-12 | 2808.87 | 244.76 | 2564.10 | 71794.87 |
| 12 | 2027-01 | 2800.43 | 236.32 | 2564.10 | 69230.77 |
| 13 | 2027-02 | 2791.99 | 227.88 | 2564.10 | 66666.67 |
| 14 | 2027-03 | 2783.55 | 219.44 | 2564.10 | 64102.56 |
| 15 | 2027-04 | 2775.11 | 211.00 | 2564.10 | 61538.46 |
| 16 | 2027-05 | 2766.67 | 202.56 | 2564.10 | 58974.36 |
| 17 | 2027-06 | 2758.23 | 194.12 | 2564.10 | 56410.26 |
| 18 | 2027-07 | 2749.79 | 185.68 | 2564.10 | 53846.15 |
| 19 | 2027-08 | 2741.35 | 177.24 | 2564.10 | 51282.05 |
| 20 | 2027-09 | 2732.91 | 168.80 | 2564.10 | 48717.95 |
| 21 | 2027-10 | 2724.47 | 160.36 | 2564.10 | 46153.85 |
| 22 | 2027-11 | 2716.03 | 151.92 | 2564.10 | 43589.74 |
| 23 | 2027-12 | 2707.59 | 143.48 | 2564.10 | 41025.64 |
| 24 | 2028-01 | 2699.15 | 135.04 | 2564.10 | 38461.54 |
| 25 | 2028-02 | 2690.71 | 126.60 | 2564.10 | 35897.44 |
| 26 | 2028-03 | 2682.26 | 118.16 | 2564.10 | 33333.33 |
| 27 | 2028-04 | 2673.82 | 109.72 | 2564.10 | 30769.23 |
| 28 | 2028-05 | 2665.38 | 101.28 | 2564.10 | 28205.13 |
| 29 | 2028-06 | 2656.94 | 92.84 | 2564.10 | 25641.03 |
| 30 | 2028-07 | 2648.50 | 84.40 | 2564.10 | 23076.92 |
| 31 | 2028-08 | 2640.06 | 75.96 | 2564.10 | 20512.82 |
| 32 | 2028-09 | 2631.62 | 67.52 | 2564.10 | 17948.72 |
| 33 | 2028-10 | 2623.18 | 59.08 | 2564.10 | 15384.62 |
| 34 | 2028-11 | 2614.74 | 50.64 | 2564.10 | 12820.51 |
| 35 | 2028-12 | 2606.30 | 42.20 | 2564.10 | 10256.41 |
| 36 | 2029-01 | 2597.86 | 33.76 | 2564.10 | 7692.31 |
| 37 | 2029-02 | 2589.42 | 25.32 | 2564.10 | 5128.21 |
| 38 | 2029-03 | 2580.98 | 16.88 | 2564.10 | 2564.10 |
| 39 | 2029-04 | 2572.54 | 8.44 | 2564.10 | 0.00 |