贷款13.5万（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：13.5万
还款月数：3年4个月
每月还款：3607.61元
利息总额：9304.22元
本息合计：14.43万
| 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 | 3607.61 | 444.38 | 3163.23 | 131836.77 |
| 2 | 2025-12 | 3607.61 | 433.96 | 3173.64 | 128663.13 |
| 3 | 2026-01 | 3607.61 | 423.52 | 3184.09 | 125479.04 |
| 4 | 2026-02 | 3607.61 | 413.04 | 3194.57 | 122284.47 |
| 5 | 2026-03 | 3607.61 | 402.52 | 3205.09 | 119079.38 |
| 6 | 2026-04 | 3607.61 | 391.97 | 3215.64 | 115863.75 |
| 7 | 2026-05 | 3607.61 | 381.38 | 3226.22 | 112637.52 |
| 8 | 2026-06 | 3607.61 | 370.77 | 3236.84 | 109400.68 |
| 9 | 2026-07 | 3607.61 | 360.11 | 3247.49 | 106153.19 |
| 10 | 2026-08 | 3607.61 | 349.42 | 3258.18 | 102895.00 |
| 11 | 2026-09 | 3607.61 | 338.70 | 3268.91 | 99626.10 |
| 12 | 2026-10 | 3607.61 | 327.94 | 3279.67 | 96346.43 |
| 13 | 2026-11 | 3607.61 | 317.14 | 3290.47 | 93055.96 |
| 14 | 2026-12 | 3607.61 | 306.31 | 3301.30 | 89754.66 |
| 15 | 2027-01 | 3607.61 | 295.44 | 3312.16 | 86442.50 |
| 16 | 2027-02 | 3607.61 | 284.54 | 3323.07 | 83119.44 |
| 17 | 2027-03 | 3607.61 | 273.60 | 3334.00 | 79785.43 |
| 18 | 2027-04 | 3607.61 | 262.63 | 3344.98 | 76440.45 |
| 19 | 2027-05 | 3607.61 | 251.62 | 3355.99 | 73084.46 |
| 20 | 2027-06 | 3607.61 | 240.57 | 3367.04 | 69717.43 |
| 21 | 2027-07 | 3607.61 | 229.49 | 3378.12 | 66339.31 |
| 22 | 2027-08 | 3607.61 | 218.37 | 3389.24 | 62950.07 |
| 23 | 2027-09 | 3607.61 | 207.21 | 3400.39 | 59549.68 |
| 24 | 2027-10 | 3607.61 | 196.02 | 3411.59 | 56138.09 |
| 25 | 2027-11 | 3607.61 | 184.79 | 3422.82 | 52715.27 |
| 26 | 2027-12 | 3607.61 | 173.52 | 3434.08 | 49281.19 |
| 27 | 2028-01 | 3607.61 | 162.22 | 3445.39 | 45835.80 |
| 28 | 2028-02 | 3607.61 | 150.88 | 3456.73 | 42379.07 |
| 29 | 2028-03 | 3607.61 | 139.50 | 3468.11 | 38910.96 |
| 30 | 2028-04 | 3607.61 | 128.08 | 3479.52 | 35431.44 |
| 31 | 2028-05 | 3607.61 | 116.63 | 3490.98 | 31940.46 |
| 32 | 2028-06 | 3607.61 | 105.14 | 3502.47 | 28437.99 |
| 33 | 2028-07 | 3607.61 | 93.61 | 3514.00 | 24923.99 |
| 34 | 2028-08 | 3607.61 | 82.04 | 3525.56 | 21398.43 |
| 35 | 2028-09 | 3607.61 | 70.44 | 3537.17 | 17861.26 |
| 36 | 2028-10 | 3607.61 | 58.79 | 3548.81 | 14312.45 |
| 37 | 2028-11 | 3607.61 | 47.11 | 3560.49 | 10751.96 |
| 38 | 2028-12 | 3607.61 | 35.39 | 3572.21 | 7179.74 |
| 39 | 2029-01 | 3607.61 | 23.63 | 3583.97 | 3595.77 |
| 40 | 2029-02 | 3607.61 | 11.84 | 3595.77 | 0.00 |
等额本金还款方式：
贷款总额：13.5万
还款月数：3年4个月
首月还款：3819.38元
每月递减：11.11元
利息总额：9109.69元
本息合计：14.41万
节省利息：194.53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 | 3819.38 | 444.38 | 3375.00 | 131625.00 |
| 2 | 2025-12 | 3808.27 | 433.27 | 3375.00 | 128250.00 |
| 3 | 2026-01 | 3797.16 | 422.16 | 3375.00 | 124875.00 |
| 4 | 2026-02 | 3786.05 | 411.05 | 3375.00 | 121500.00 |
| 5 | 2026-03 | 3774.94 | 399.94 | 3375.00 | 118125.00 |
| 6 | 2026-04 | 3763.83 | 388.83 | 3375.00 | 114750.00 |
| 7 | 2026-05 | 3752.72 | 377.72 | 3375.00 | 111375.00 |
| 8 | 2026-06 | 3741.61 | 366.61 | 3375.00 | 108000.00 |
| 9 | 2026-07 | 3730.50 | 355.50 | 3375.00 | 104625.00 |
| 10 | 2026-08 | 3719.39 | 344.39 | 3375.00 | 101250.00 |
| 11 | 2026-09 | 3708.28 | 333.28 | 3375.00 | 97875.00 |
| 12 | 2026-10 | 3697.17 | 322.17 | 3375.00 | 94500.00 |
| 13 | 2026-11 | 3686.06 | 311.06 | 3375.00 | 91125.00 |
| 14 | 2026-12 | 3674.95 | 299.95 | 3375.00 | 87750.00 |
| 15 | 2027-01 | 3663.84 | 288.84 | 3375.00 | 84375.00 |
| 16 | 2027-02 | 3652.73 | 277.73 | 3375.00 | 81000.00 |
| 17 | 2027-03 | 3641.63 | 266.63 | 3375.00 | 77625.00 |
| 18 | 2027-04 | 3630.52 | 255.52 | 3375.00 | 74250.00 |
| 19 | 2027-05 | 3619.41 | 244.41 | 3375.00 | 70875.00 |
| 20 | 2027-06 | 3608.30 | 233.30 | 3375.00 | 67500.00 |
| 21 | 2027-07 | 3597.19 | 222.19 | 3375.00 | 64125.00 |
| 22 | 2027-08 | 3586.08 | 211.08 | 3375.00 | 60750.00 |
| 23 | 2027-09 | 3574.97 | 199.97 | 3375.00 | 57375.00 |
| 24 | 2027-10 | 3563.86 | 188.86 | 3375.00 | 54000.00 |
| 25 | 2027-11 | 3552.75 | 177.75 | 3375.00 | 50625.00 |
| 26 | 2027-12 | 3541.64 | 166.64 | 3375.00 | 47250.00 |
| 27 | 2028-01 | 3530.53 | 155.53 | 3375.00 | 43875.00 |
| 28 | 2028-02 | 3519.42 | 144.42 | 3375.00 | 40500.00 |
| 29 | 2028-03 | 3508.31 | 133.31 | 3375.00 | 37125.00 |
| 30 | 2028-04 | 3497.20 | 122.20 | 3375.00 | 33750.00 |
| 31 | 2028-05 | 3486.09 | 111.09 | 3375.00 | 30375.00 |
| 32 | 2028-06 | 3474.98 | 99.98 | 3375.00 | 27000.00 |
| 33 | 2028-07 | 3463.88 | 88.88 | 3375.00 | 23625.00 |
| 34 | 2028-08 | 3452.77 | 77.77 | 3375.00 | 20250.00 |
| 35 | 2028-09 | 3441.66 | 66.66 | 3375.00 | 16875.00 |
| 36 | 2028-10 | 3430.55 | 55.55 | 3375.00 | 13500.00 |
| 37 | 2028-11 | 3419.44 | 44.44 | 3375.00 | 10125.00 |
| 38 | 2028-12 | 3408.33 | 33.33 | 3375.00 | 6750.00 |
| 39 | 2029-01 | 3397.22 | 22.22 | 3375.00 | 3375.00 |
| 40 | 2029-02 | 3386.11 | 11.11 | 3375.00 | 0.00 |