贷款13.5万（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：13.5万
还款月数：5年
每月还款：2483.19元
利息总额：1.4万
本息合计：14.9万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 2483.19 | 444.38 | 2038.81 | 132961.19 |
| 2 | 2025-12 | 2483.19 | 437.66 | 2045.52 | 130915.67 |
| 3 | 2026-01 | 2483.19 | 430.93 | 2052.25 | 128863.41 |
| 4 | 2026-02 | 2483.19 | 424.18 | 2059.01 | 126804.40 |
| 5 | 2026-03 | 2483.19 | 417.40 | 2065.79 | 124738.62 |
| 6 | 2026-04 | 2483.19 | 410.60 | 2072.59 | 122666.03 |
| 7 | 2026-05 | 2483.19 | 403.78 | 2079.41 | 120586.62 |
| 8 | 2026-06 | 2483.19 | 396.93 | 2086.25 | 118500.36 |
| 9 | 2026-07 | 2483.19 | 390.06 | 2093.12 | 116407.24 |
| 10 | 2026-08 | 2483.19 | 383.17 | 2100.01 | 114307.23 |
| 11 | 2026-09 | 2483.19 | 376.26 | 2106.92 | 112200.31 |
| 12 | 2026-10 | 2483.19 | 369.33 | 2113.86 | 110086.45 |
| 13 | 2026-11 | 2483.19 | 362.37 | 2120.82 | 107965.63 |
| 14 | 2026-12 | 2483.19 | 355.39 | 2127.80 | 105837.83 |
| 15 | 2027-01 | 2483.19 | 348.38 | 2134.80 | 103703.03 |
| 16 | 2027-02 | 2483.19 | 341.36 | 2141.83 | 101561.20 |
| 17 | 2027-03 | 2483.19 | 334.31 | 2148.88 | 99412.32 |
| 18 | 2027-04 | 2483.19 | 327.23 | 2155.95 | 97256.36 |
| 19 | 2027-05 | 2483.19 | 320.14 | 2163.05 | 95093.31 |
| 20 | 2027-06 | 2483.19 | 313.02 | 2170.17 | 92923.14 |
| 21 | 2027-07 | 2483.19 | 305.87 | 2177.31 | 90745.83 |
| 22 | 2027-08 | 2483.19 | 298.71 | 2184.48 | 88561.35 |
| 23 | 2027-09 | 2483.19 | 291.51 | 2191.67 | 86369.68 |
| 24 | 2027-10 | 2483.19 | 284.30 | 2198.89 | 84170.79 |
| 25 | 2027-11 | 2483.19 | 277.06 | 2206.12 | 81964.67 |
| 26 | 2027-12 | 2483.19 | 269.80 | 2213.39 | 79751.28 |
| 27 | 2028-01 | 2483.19 | 262.51 | 2220.67 | 77530.61 |
| 28 | 2028-02 | 2483.19 | 255.20 | 2227.98 | 75302.63 |
| 29 | 2028-03 | 2483.19 | 247.87 | 2235.31 | 73067.32 |
| 30 | 2028-04 | 2483.19 | 240.51 | 2242.67 | 70824.65 |
| 31 | 2028-05 | 2483.19 | 233.13 | 2250.05 | 68574.59 |
| 32 | 2028-06 | 2483.19 | 225.72 | 2257.46 | 66317.13 |
| 33 | 2028-07 | 2483.19 | 218.29 | 2264.89 | 64052.24 |
| 34 | 2028-08 | 2483.19 | 210.84 | 2272.35 | 61779.89 |
| 35 | 2028-09 | 2483.19 | 203.36 | 2279.83 | 59500.07 |
| 36 | 2028-10 | 2483.19 | 195.85 | 2287.33 | 57212.74 |
| 37 | 2028-11 | 2483.19 | 188.33 | 2294.86 | 54917.87 |
| 38 | 2028-12 | 2483.19 | 180.77 | 2302.41 | 52615.46 |
| 39 | 2029-01 | 2483.19 | 173.19 | 2309.99 | 50305.47 |
| 40 | 2029-02 | 2483.19 | 165.59 | 2317.60 | 47987.87 |
| 41 | 2029-03 | 2483.19 | 157.96 | 2325.23 | 45662.65 |
| 42 | 2029-04 | 2483.19 | 150.31 | 2332.88 | 43329.77 |
| 43 | 2029-05 | 2483.19 | 142.63 | 2340.56 | 40989.21 |
| 44 | 2029-06 | 2483.19 | 134.92 | 2348.26 | 38640.95 |
| 45 | 2029-07 | 2483.19 | 127.19 | 2355.99 | 36284.95 |
| 46 | 2029-08 | 2483.19 | 119.44 | 2363.75 | 33921.21 |
| 47 | 2029-09 | 2483.19 | 111.66 | 2371.53 | 31549.68 |
| 48 | 2029-10 | 2483.19 | 103.85 | 2379.33 | 29170.34 |
| 49 | 2029-11 | 2483.19 | 96.02 | 2387.17 | 26783.18 |
| 50 | 2029-12 | 2483.19 | 88.16 | 2395.02 | 24388.15 |
| 51 | 2030-01 | 2483.19 | 80.28 | 2402.91 | 21985.24 |
| 52 | 2030-02 | 2483.19 | 72.37 | 2410.82 | 19574.43 |
| 53 | 2030-03 | 2483.19 | 64.43 | 2418.75 | 17155.67 |
| 54 | 2030-04 | 2483.19 | 56.47 | 2426.71 | 14728.96 |
| 55 | 2030-05 | 2483.19 | 48.48 | 2434.70 | 12294.26 |
| 56 | 2030-06 | 2483.19 | 40.47 | 2442.72 | 9851.54 |
| 57 | 2030-07 | 2483.19 | 32.43 | 2450.76 | 7400.78 |
| 58 | 2030-08 | 2483.19 | 24.36 | 2458.82 | 4941.96 |
| 59 | 2030-09 | 2483.19 | 16.27 | 2466.92 | 2475.04 |
| 60 | 2030-10 | 2483.19 | 8.15 | 2475.04 | 0.00 |
等额本金还款方式：
贷款总额：13.5万
还款月数：5年
首月还款：2694.38元
每月递减：7.41元
利息总额：1.36万
本息合计：14.86万
节省利息：437.69元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 2694.38 | 444.38 | 2250.00 | 132750.00 |
| 2 | 2025-12 | 2686.97 | 436.97 | 2250.00 | 130500.00 |
| 3 | 2026-01 | 2679.56 | 429.56 | 2250.00 | 128250.00 |
| 4 | 2026-02 | 2672.16 | 422.16 | 2250.00 | 126000.00 |
| 5 | 2026-03 | 2664.75 | 414.75 | 2250.00 | 123750.00 |
| 6 | 2026-04 | 2657.34 | 407.34 | 2250.00 | 121500.00 |
| 7 | 2026-05 | 2649.94 | 399.94 | 2250.00 | 119250.00 |
| 8 | 2026-06 | 2642.53 | 392.53 | 2250.00 | 117000.00 |
| 9 | 2026-07 | 2635.13 | 385.13 | 2250.00 | 114750.00 |
| 10 | 2026-08 | 2627.72 | 377.72 | 2250.00 | 112500.00 |
| 11 | 2026-09 | 2620.31 | 370.31 | 2250.00 | 110250.00 |
| 12 | 2026-10 | 2612.91 | 362.91 | 2250.00 | 108000.00 |
| 13 | 2026-11 | 2605.50 | 355.50 | 2250.00 | 105750.00 |
| 14 | 2026-12 | 2598.09 | 348.09 | 2250.00 | 103500.00 |
| 15 | 2027-01 | 2590.69 | 340.69 | 2250.00 | 101250.00 |
| 16 | 2027-02 | 2583.28 | 333.28 | 2250.00 | 99000.00 |
| 17 | 2027-03 | 2575.88 | 325.88 | 2250.00 | 96750.00 |
| 18 | 2027-04 | 2568.47 | 318.47 | 2250.00 | 94500.00 |
| 19 | 2027-05 | 2561.06 | 311.06 | 2250.00 | 92250.00 |
| 20 | 2027-06 | 2553.66 | 303.66 | 2250.00 | 90000.00 |
| 21 | 2027-07 | 2546.25 | 296.25 | 2250.00 | 87750.00 |
| 22 | 2027-08 | 2538.84 | 288.84 | 2250.00 | 85500.00 |
| 23 | 2027-09 | 2531.44 | 281.44 | 2250.00 | 83250.00 |
| 24 | 2027-10 | 2524.03 | 274.03 | 2250.00 | 81000.00 |
| 25 | 2027-11 | 2516.63 | 266.63 | 2250.00 | 78750.00 |
| 26 | 2027-12 | 2509.22 | 259.22 | 2250.00 | 76500.00 |
| 27 | 2028-01 | 2501.81 | 251.81 | 2250.00 | 74250.00 |
| 28 | 2028-02 | 2494.41 | 244.41 | 2250.00 | 72000.00 |
| 29 | 2028-03 | 2487.00 | 237.00 | 2250.00 | 69750.00 |
| 30 | 2028-04 | 2479.59 | 229.59 | 2250.00 | 67500.00 |
| 31 | 2028-05 | 2472.19 | 222.19 | 2250.00 | 65250.00 |
| 32 | 2028-06 | 2464.78 | 214.78 | 2250.00 | 63000.00 |
| 33 | 2028-07 | 2457.38 | 207.38 | 2250.00 | 60750.00 |
| 34 | 2028-08 | 2449.97 | 199.97 | 2250.00 | 58500.00 |
| 35 | 2028-09 | 2442.56 | 192.56 | 2250.00 | 56250.00 |
| 36 | 2028-10 | 2435.16 | 185.16 | 2250.00 | 54000.00 |
| 37 | 2028-11 | 2427.75 | 177.75 | 2250.00 | 51750.00 |
| 38 | 2028-12 | 2420.34 | 170.34 | 2250.00 | 49500.00 |
| 39 | 2029-01 | 2412.94 | 162.94 | 2250.00 | 47250.00 |
| 40 | 2029-02 | 2405.53 | 155.53 | 2250.00 | 45000.00 |
| 41 | 2029-03 | 2398.13 | 148.13 | 2250.00 | 42750.00 |
| 42 | 2029-04 | 2390.72 | 140.72 | 2250.00 | 40500.00 |
| 43 | 2029-05 | 2383.31 | 133.31 | 2250.00 | 38250.00 |
| 44 | 2029-06 | 2375.91 | 125.91 | 2250.00 | 36000.00 |
| 45 | 2029-07 | 2368.50 | 118.50 | 2250.00 | 33750.00 |
| 46 | 2029-08 | 2361.09 | 111.09 | 2250.00 | 31500.00 |
| 47 | 2029-09 | 2353.69 | 103.69 | 2250.00 | 29250.00 |
| 48 | 2029-10 | 2346.28 | 96.28 | 2250.00 | 27000.00 |
| 49 | 2029-11 | 2338.88 | 88.88 | 2250.00 | 24750.00 |
| 50 | 2029-12 | 2331.47 | 81.47 | 2250.00 | 22500.00 |
| 51 | 2030-01 | 2324.06 | 74.06 | 2250.00 | 20250.00 |
| 52 | 2030-02 | 2316.66 | 66.66 | 2250.00 | 18000.00 |
| 53 | 2030-03 | 2309.25 | 59.25 | 2250.00 | 15750.00 |
| 54 | 2030-04 | 2301.84 | 51.84 | 2250.00 | 13500.00 |
| 55 | 2030-05 | 2294.44 | 44.44 | 2250.00 | 11250.00 |
| 56 | 2030-06 | 2287.03 | 37.03 | 2250.00 | 9000.00 |
| 57 | 2030-07 | 2279.63 | 29.63 | 2250.00 | 6750.00 |
| 58 | 2030-08 | 2272.22 | 22.22 | 2250.00 | 4500.00 |
| 59 | 2030-09 | 2264.81 | 14.81 | 2250.00 | 2250.00 |
| 60 | 2030-10 | 2257.41 | 7.41 | 2250.00 | 0.00 |