贷款6万（商业贷款）房贷，还款3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：6万
还款月数：3年
每月还款：1880.18元
利息总额：7686.55元
本息合计：6.77万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 1880.18 | 400.00 | 1480.18 | 58519.82 |
| 2 | 2024-07 | 1880.18 | 390.13 | 1490.05 | 57029.77 |
| 3 | 2024-08 | 1880.18 | 380.20 | 1499.98 | 55529.78 |
| 4 | 2024-09 | 1880.18 | 370.20 | 1509.98 | 54019.80 |
| 5 | 2024-10 | 1880.18 | 360.13 | 1520.05 | 52499.75 |
| 6 | 2024-11 | 1880.18 | 350.00 | 1530.18 | 50969.57 |
| 7 | 2024-12 | 1880.18 | 339.80 | 1540.38 | 49429.18 |
| 8 | 2025-01 | 1880.18 | 329.53 | 1550.65 | 47878.53 |
| 9 | 2025-02 | 1880.18 | 319.19 | 1560.99 | 46317.54 |
| 10 | 2025-03 | 1880.18 | 308.78 | 1571.40 | 44746.14 |
| 11 | 2025-04 | 1880.18 | 298.31 | 1581.87 | 43164.26 |
| 12 | 2025-05 | 1880.18 | 287.76 | 1592.42 | 41571.84 |
| 13 | 2025-06 | 1880.18 | 277.15 | 1603.04 | 39968.81 |
| 14 | 2025-07 | 1880.18 | 266.46 | 1613.72 | 38355.08 |
| 15 | 2025-08 | 1880.18 | 255.70 | 1624.48 | 36730.60 |
| 16 | 2025-09 | 1880.18 | 244.87 | 1635.31 | 35095.29 |
| 17 | 2025-10 | 1880.18 | 233.97 | 1646.21 | 33449.08 |
| 18 | 2025-11 | 1880.18 | 222.99 | 1657.19 | 31791.89 |
| 19 | 2025-12 | 1880.18 | 211.95 | 1668.24 | 30123.66 |
| 20 | 2026-01 | 1880.18 | 200.82 | 1679.36 | 28444.30 |
| 21 | 2026-02 | 1880.18 | 189.63 | 1690.55 | 26753.74 |
| 22 | 2026-03 | 1880.18 | 178.36 | 1701.82 | 25051.92 |
| 23 | 2026-04 | 1880.18 | 167.01 | 1713.17 | 23338.75 |
| 24 | 2026-05 | 1880.18 | 155.59 | 1724.59 | 21614.16 |
| 25 | 2026-06 | 1880.18 | 144.09 | 1736.09 | 19878.07 |
| 26 | 2026-07 | 1880.18 | 132.52 | 1747.66 | 18130.41 |
| 27 | 2026-08 | 1880.18 | 120.87 | 1759.31 | 16371.10 |
| 28 | 2026-09 | 1880.18 | 109.14 | 1771.04 | 14600.06 |
| 29 | 2026-10 | 1880.18 | 97.33 | 1782.85 | 12817.21 |
| 30 | 2026-11 | 1880.18 | 85.45 | 1794.73 | 11022.48 |
| 31 | 2026-12 | 1880.18 | 73.48 | 1806.70 | 9215.78 |
| 32 | 2027-01 | 1880.18 | 61.44 | 1818.74 | 7397.03 |
| 33 | 2027-02 | 1880.18 | 49.31 | 1830.87 | 5566.17 |
| 34 | 2027-03 | 1880.18 | 37.11 | 1843.07 | 3723.09 |
| 35 | 2027-04 | 1880.18 | 24.82 | 1855.36 | 1867.73 |
| 36 | 2027-05 | 1880.18 | 12.45 | 1867.73 | 0.00 |
等额本金还款方式：
贷款总额：6万
还款月数：3年
首月还款：2066.67元
每月递减：11.11元
利息总额：7400元
本息合计：6.74万
节省利息：286.55元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 2066.67 | 400.00 | 1666.67 | 58333.33 |
| 2 | 2024-07 | 2055.56 | 388.89 | 1666.67 | 56666.67 |
| 3 | 2024-08 | 2044.44 | 377.78 | 1666.67 | 55000.00 |
| 4 | 2024-09 | 2033.33 | 366.67 | 1666.67 | 53333.33 |
| 5 | 2024-10 | 2022.22 | 355.56 | 1666.67 | 51666.67 |
| 6 | 2024-11 | 2011.11 | 344.44 | 1666.67 | 50000.00 |
| 7 | 2024-12 | 2000.00 | 333.33 | 1666.67 | 48333.33 |
| 8 | 2025-01 | 1988.89 | 322.22 | 1666.67 | 46666.67 |
| 9 | 2025-02 | 1977.78 | 311.11 | 1666.67 | 45000.00 |
| 10 | 2025-03 | 1966.67 | 300.00 | 1666.67 | 43333.33 |
| 11 | 2025-04 | 1955.56 | 288.89 | 1666.67 | 41666.67 |
| 12 | 2025-05 | 1944.44 | 277.78 | 1666.67 | 40000.00 |
| 13 | 2025-06 | 1933.33 | 266.67 | 1666.67 | 38333.33 |
| 14 | 2025-07 | 1922.22 | 255.56 | 1666.67 | 36666.67 |
| 15 | 2025-08 | 1911.11 | 244.44 | 1666.67 | 35000.00 |
| 16 | 2025-09 | 1900.00 | 233.33 | 1666.67 | 33333.33 |
| 17 | 2025-10 | 1888.89 | 222.22 | 1666.67 | 31666.67 |
| 18 | 2025-11 | 1877.78 | 211.11 | 1666.67 | 30000.00 |
| 19 | 2025-12 | 1866.67 | 200.00 | 1666.67 | 28333.33 |
| 20 | 2026-01 | 1855.56 | 188.89 | 1666.67 | 26666.67 |
| 21 | 2026-02 | 1844.44 | 177.78 | 1666.67 | 25000.00 |
| 22 | 2026-03 | 1833.33 | 166.67 | 1666.67 | 23333.33 |
| 23 | 2026-04 | 1822.22 | 155.56 | 1666.67 | 21666.67 |
| 24 | 2026-05 | 1811.11 | 144.44 | 1666.67 | 20000.00 |
| 25 | 2026-06 | 1800.00 | 133.33 | 1666.67 | 18333.33 |
| 26 | 2026-07 | 1788.89 | 122.22 | 1666.67 | 16666.67 |
| 27 | 2026-08 | 1777.78 | 111.11 | 1666.67 | 15000.00 |
| 28 | 2026-09 | 1766.67 | 100.00 | 1666.67 | 13333.33 |
| 29 | 2026-10 | 1755.56 | 88.89 | 1666.67 | 11666.67 |
| 30 | 2026-11 | 1744.44 | 77.78 | 1666.67 | 10000.00 |
| 31 | 2026-12 | 1733.33 | 66.67 | 1666.67 | 8333.33 |
| 32 | 2027-01 | 1722.22 | 55.56 | 1666.67 | 6666.67 |
| 33 | 2027-02 | 1711.11 | 44.44 | 1666.67 | 5000.00 |
| 34 | 2027-03 | 1700.00 | 33.33 | 1666.67 | 3333.33 |
| 35 | 2027-04 | 1688.89 | 22.22 | 1666.67 | 1666.67 |
| 36 | 2027-05 | 1677.78 | 11.11 | 1666.67 | 0.00 |