贷款13.01万（商业贷款）房贷，还款4年5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：13.01万
还款月数：4年5个月
每月还款：2674.16元
利息总额：1.16万
本息合计：14.17万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 2674.16 | 417.54 | 2256.61 | 127887.11 |
| 2 | 2025-03 | 2674.16 | 410.30 | 2263.85 | 125623.26 |
| 3 | 2025-04 | 2674.16 | 403.04 | 2271.11 | 123352.14 |
| 4 | 2025-05 | 2674.16 | 395.75 | 2278.40 | 121073.74 |
| 5 | 2025-06 | 2674.16 | 388.44 | 2285.71 | 118788.03 |
| 6 | 2025-07 | 2674.16 | 381.11 | 2293.04 | 116494.99 |
| 7 | 2025-08 | 2674.16 | 373.75 | 2300.40 | 114194.59 |
| 8 | 2025-09 | 2674.16 | 366.37 | 2307.78 | 111886.81 |
| 9 | 2025-10 | 2674.16 | 358.97 | 2315.19 | 109571.62 |
| 10 | 2025-11 | 2674.16 | 351.54 | 2322.61 | 107249.01 |
| 11 | 2025-12 | 2674.16 | 344.09 | 2330.06 | 104918.94 |
| 12 | 2026-01 | 2674.16 | 336.61 | 2337.54 | 102581.40 |
| 13 | 2026-02 | 2674.16 | 329.12 | 2345.04 | 100236.36 |
| 14 | 2026-03 | 2674.16 | 321.59 | 2352.56 | 97883.80 |
| 15 | 2026-04 | 2674.16 | 314.04 | 2360.11 | 95523.69 |
| 16 | 2026-05 | 2674.16 | 306.47 | 2367.68 | 93156.00 |
| 17 | 2026-06 | 2674.16 | 298.88 | 2375.28 | 90780.72 |
| 18 | 2026-07 | 2674.16 | 291.25 | 2382.90 | 88397.82 |
| 19 | 2026-08 | 2674.16 | 283.61 | 2390.55 | 86007.28 |
| 20 | 2026-09 | 2674.16 | 275.94 | 2398.22 | 83609.06 |
| 21 | 2026-10 | 2674.16 | 268.25 | 2405.91 | 81203.15 |
| 22 | 2026-11 | 2674.16 | 260.53 | 2413.63 | 78789.52 |
| 23 | 2026-12 | 2674.16 | 252.78 | 2421.37 | 76368.15 |
| 24 | 2027-01 | 2674.16 | 245.01 | 2429.14 | 73939.01 |
| 25 | 2027-02 | 2674.16 | 237.22 | 2436.93 | 71502.08 |
| 26 | 2027-03 | 2674.16 | 229.40 | 2444.75 | 69057.32 |
| 27 | 2027-04 | 2674.16 | 221.56 | 2452.60 | 66604.73 |
| 28 | 2027-05 | 2674.16 | 213.69 | 2460.47 | 64144.26 |
| 29 | 2027-06 | 2674.16 | 205.80 | 2468.36 | 61675.90 |
| 30 | 2027-07 | 2674.16 | 197.88 | 2476.28 | 59199.62 |
| 31 | 2027-08 | 2674.16 | 189.93 | 2484.22 | 56715.40 |
| 32 | 2027-09 | 2674.16 | 181.96 | 2492.19 | 54223.21 |
| 33 | 2027-10 | 2674.16 | 173.97 | 2500.19 | 51723.02 |
| 34 | 2027-11 | 2674.16 | 165.94 | 2508.21 | 49214.81 |
| 35 | 2027-12 | 2674.16 | 157.90 | 2516.26 | 46698.55 |
| 36 | 2028-01 | 2674.16 | 149.82 | 2524.33 | 44174.22 |
| 37 | 2028-02 | 2674.16 | 141.73 | 2532.43 | 41641.79 |
| 38 | 2028-03 | 2674.16 | 133.60 | 2540.55 | 39101.23 |
| 39 | 2028-04 | 2674.16 | 125.45 | 2548.71 | 36552.53 |
| 40 | 2028-05 | 2674.16 | 117.27 | 2556.88 | 33995.64 |
| 41 | 2028-06 | 2674.16 | 109.07 | 2565.09 | 31430.56 |
| 42 | 2028-07 | 2674.16 | 100.84 | 2573.32 | 28857.24 |
| 43 | 2028-08 | 2674.16 | 92.58 | 2581.57 | 26275.67 |
| 44 | 2028-09 | 2674.16 | 84.30 | 2589.85 | 23685.82 |
| 45 | 2028-10 | 2674.16 | 75.99 | 2598.16 | 21087.65 |
| 46 | 2028-11 | 2674.16 | 67.66 | 2606.50 | 18481.15 |
| 47 | 2028-12 | 2674.16 | 59.29 | 2614.86 | 15866.29 |
| 48 | 2029-01 | 2674.16 | 50.90 | 2623.25 | 13243.04 |
| 49 | 2029-02 | 2674.16 | 42.49 | 2631.67 | 10611.37 |
| 50 | 2029-03 | 2674.16 | 34.04 | 2640.11 | 7971.26 |
| 51 | 2029-04 | 2674.16 | 25.57 | 2648.58 | 5322.68 |
| 52 | 2029-05 | 2674.16 | 17.08 | 2657.08 | 2665.60 |
| 53 | 2029-06 | 2674.16 | 8.55 | 2665.60 | 0.00 |
等额本金还款方式：
贷款总额：13.01万
还款月数：4年5个月
首月还款：2873.09元
每月递减：7.88元
利息总额：1.13万
本息合计：14.14万
节省利息：312.82元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 2873.09 | 417.54 | 2455.54 | 127688.18 |
| 2 | 2025-03 | 2865.21 | 409.67 | 2455.54 | 125232.64 |
| 3 | 2025-04 | 2857.33 | 401.79 | 2455.54 | 122777.09 |
| 4 | 2025-05 | 2849.45 | 393.91 | 2455.54 | 120321.55 |
| 5 | 2025-06 | 2841.57 | 386.03 | 2455.54 | 117866.01 |
| 6 | 2025-07 | 2833.70 | 378.15 | 2455.54 | 115410.47 |
| 7 | 2025-08 | 2825.82 | 370.28 | 2455.54 | 112954.93 |
| 8 | 2025-09 | 2817.94 | 362.40 | 2455.54 | 110499.38 |
| 9 | 2025-10 | 2810.06 | 354.52 | 2455.54 | 108043.84 |
| 10 | 2025-11 | 2802.18 | 346.64 | 2455.54 | 105588.30 |
| 11 | 2025-12 | 2794.30 | 338.76 | 2455.54 | 103132.76 |
| 12 | 2026-01 | 2786.43 | 330.88 | 2455.54 | 100677.22 |
| 13 | 2026-02 | 2778.55 | 323.01 | 2455.54 | 98221.68 |
| 14 | 2026-03 | 2770.67 | 315.13 | 2455.54 | 95766.13 |
| 15 | 2026-04 | 2762.79 | 307.25 | 2455.54 | 93310.59 |
| 16 | 2026-05 | 2754.91 | 299.37 | 2455.54 | 90855.05 |
| 17 | 2026-06 | 2747.04 | 291.49 | 2455.54 | 88399.51 |
| 18 | 2026-07 | 2739.16 | 283.62 | 2455.54 | 85943.97 |
| 19 | 2026-08 | 2731.28 | 275.74 | 2455.54 | 83488.42 |
| 20 | 2026-09 | 2723.40 | 267.86 | 2455.54 | 81032.88 |
| 21 | 2026-10 | 2715.52 | 259.98 | 2455.54 | 78577.34 |
| 22 | 2026-11 | 2707.64 | 252.10 | 2455.54 | 76121.80 |
| 23 | 2026-12 | 2699.77 | 244.22 | 2455.54 | 73666.26 |
| 24 | 2027-01 | 2691.89 | 236.35 | 2455.54 | 71210.71 |
| 25 | 2027-02 | 2684.01 | 228.47 | 2455.54 | 68755.17 |
| 26 | 2027-03 | 2676.13 | 220.59 | 2455.54 | 66299.63 |
| 27 | 2027-04 | 2668.25 | 212.71 | 2455.54 | 63844.09 |
| 28 | 2027-05 | 2660.38 | 204.83 | 2455.54 | 61388.55 |
| 29 | 2027-06 | 2652.50 | 196.95 | 2455.54 | 58933.01 |
| 30 | 2027-07 | 2644.62 | 189.08 | 2455.54 | 56477.46 |
| 31 | 2027-08 | 2636.74 | 181.20 | 2455.54 | 54021.92 |
| 32 | 2027-09 | 2628.86 | 173.32 | 2455.54 | 51566.38 |
| 33 | 2027-10 | 2620.98 | 165.44 | 2455.54 | 49110.84 |
| 34 | 2027-11 | 2613.11 | 157.56 | 2455.54 | 46655.30 |
| 35 | 2027-12 | 2605.23 | 149.69 | 2455.54 | 44199.75 |
| 36 | 2028-01 | 2597.35 | 141.81 | 2455.54 | 41744.21 |
| 37 | 2028-02 | 2589.47 | 133.93 | 2455.54 | 39288.67 |
| 38 | 2028-03 | 2581.59 | 126.05 | 2455.54 | 36833.13 |
| 39 | 2028-04 | 2573.71 | 118.17 | 2455.54 | 34377.59 |
| 40 | 2028-05 | 2565.84 | 110.29 | 2455.54 | 31922.04 |
| 41 | 2028-06 | 2557.96 | 102.42 | 2455.54 | 29466.50 |
| 42 | 2028-07 | 2550.08 | 94.54 | 2455.54 | 27010.96 |
| 43 | 2028-08 | 2542.20 | 86.66 | 2455.54 | 24555.42 |
| 44 | 2028-09 | 2534.32 | 78.78 | 2455.54 | 22099.88 |
| 45 | 2028-10 | 2526.45 | 70.90 | 2455.54 | 19644.34 |
| 46 | 2028-11 | 2518.57 | 63.03 | 2455.54 | 17188.79 |
| 47 | 2028-12 | 2510.69 | 55.15 | 2455.54 | 14733.25 |
| 48 | 2029-01 | 2502.81 | 47.27 | 2455.54 | 12277.71 |
| 49 | 2029-02 | 2494.93 | 39.39 | 2455.54 | 9822.17 |
| 50 | 2029-03 | 2487.05 | 31.51 | 2455.54 | 7366.63 |
| 51 | 2029-04 | 2479.18 | 23.63 | 2455.54 | 4911.08 |
| 52 | 2029-05 | 2471.30 | 15.76 | 2455.54 | 2455.54 |
| 53 | 2029-06 | 2463.42 | 7.88 | 2455.54 | 0.00 |