贷款13万（商业贷款）房贷，还款4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：13万
还款月数：4年3个月
每月还款：2735.44元
利息总额：9507.65元
本息合计：13.95万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2735.44 | 357.50 | 2377.94 | 127622.06 |
| 2 | 2025-07 | 2735.44 | 350.96 | 2384.48 | 125237.57 |
| 3 | 2025-08 | 2735.44 | 344.40 | 2391.04 | 122846.53 |
| 4 | 2025-09 | 2735.44 | 337.83 | 2397.62 | 120448.92 |
| 5 | 2025-10 | 2735.44 | 331.23 | 2404.21 | 118044.71 |
| 6 | 2025-11 | 2735.44 | 324.62 | 2410.82 | 115633.88 |
| 7 | 2025-12 | 2735.44 | 317.99 | 2417.45 | 113216.43 |
| 8 | 2026-01 | 2735.44 | 311.35 | 2424.10 | 110792.34 |
| 9 | 2026-02 | 2735.44 | 304.68 | 2430.77 | 108361.57 |
| 10 | 2026-03 | 2735.44 | 297.99 | 2437.45 | 105924.12 |
| 11 | 2026-04 | 2735.44 | 291.29 | 2444.15 | 103479.97 |
| 12 | 2026-05 | 2735.44 | 284.57 | 2450.87 | 101029.09 |
| 13 | 2026-06 | 2735.44 | 277.83 | 2457.61 | 98571.48 |
| 14 | 2026-07 | 2735.44 | 271.07 | 2464.37 | 96107.11 |
| 15 | 2026-08 | 2735.44 | 264.29 | 2471.15 | 93635.96 |
| 16 | 2026-09 | 2735.44 | 257.50 | 2477.95 | 91158.01 |
| 17 | 2026-10 | 2735.44 | 250.68 | 2484.76 | 88673.25 |
| 18 | 2026-11 | 2735.44 | 243.85 | 2491.59 | 86181.66 |
| 19 | 2026-12 | 2735.44 | 237.00 | 2498.44 | 83683.22 |
| 20 | 2027-01 | 2735.44 | 230.13 | 2505.32 | 81177.90 |
| 21 | 2027-02 | 2735.44 | 223.24 | 2512.20 | 78665.69 |
| 22 | 2027-03 | 2735.44 | 216.33 | 2519.11 | 76146.58 |
| 23 | 2027-04 | 2735.44 | 209.40 | 2526.04 | 73620.54 |
| 24 | 2027-05 | 2735.44 | 202.46 | 2532.99 | 71087.55 |
| 25 | 2027-06 | 2735.44 | 195.49 | 2539.95 | 68547.60 |
| 26 | 2027-07 | 2735.44 | 188.51 | 2546.94 | 66000.66 |
| 27 | 2027-08 | 2735.44 | 181.50 | 2553.94 | 63446.72 |
| 28 | 2027-09 | 2735.44 | 174.48 | 2560.97 | 60885.75 |
| 29 | 2027-10 | 2735.44 | 167.44 | 2568.01 | 58317.75 |
| 30 | 2027-11 | 2735.44 | 160.37 | 2575.07 | 55742.68 |
| 31 | 2027-12 | 2735.44 | 153.29 | 2582.15 | 53160.52 |
| 32 | 2028-01 | 2735.44 | 146.19 | 2589.25 | 50571.27 |
| 33 | 2028-02 | 2735.44 | 139.07 | 2596.37 | 47974.90 |
| 34 | 2028-03 | 2735.44 | 131.93 | 2603.51 | 45371.38 |
| 35 | 2028-04 | 2735.44 | 124.77 | 2610.67 | 42760.71 |
| 36 | 2028-05 | 2735.44 | 117.59 | 2617.85 | 40142.86 |
| 37 | 2028-06 | 2735.44 | 110.39 | 2625.05 | 37517.81 |
| 38 | 2028-07 | 2735.44 | 103.17 | 2632.27 | 34885.54 |
| 39 | 2028-08 | 2735.44 | 95.94 | 2639.51 | 32246.03 |
| 40 | 2028-09 | 2735.44 | 88.68 | 2646.77 | 29599.26 |
| 41 | 2028-10 | 2735.44 | 81.40 | 2654.05 | 26945.22 |
| 42 | 2028-11 | 2735.44 | 74.10 | 2661.34 | 24283.87 |
| 43 | 2028-12 | 2735.44 | 66.78 | 2668.66 | 21615.21 |
| 44 | 2029-01 | 2735.44 | 59.44 | 2676.00 | 18939.21 |
| 45 | 2029-02 | 2735.44 | 52.08 | 2683.36 | 16255.84 |
| 46 | 2029-03 | 2735.44 | 44.70 | 2690.74 | 13565.10 |
| 47 | 2029-04 | 2735.44 | 37.30 | 2698.14 | 10866.96 |
| 48 | 2029-05 | 2735.44 | 29.88 | 2705.56 | 8161.40 |
| 49 | 2029-06 | 2735.44 | 22.44 | 2713.00 | 5448.40 |
| 50 | 2029-07 | 2735.44 | 14.98 | 2720.46 | 2727.94 |
| 51 | 2029-08 | 2735.44 | 7.50 | 2727.94 | 0.00 |
等额本金还款方式：
贷款总额：13万
还款月数：4年3个月
首月还款：2906.52元
每月递减：7.01元
利息总额：9295元
本息合计：13.93万
节省利息：212.65元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2906.52 | 357.50 | 2549.02 | 127450.98 |
| 2 | 2025-07 | 2899.51 | 350.49 | 2549.02 | 124901.96 |
| 3 | 2025-08 | 2892.50 | 343.48 | 2549.02 | 122352.94 |
| 4 | 2025-09 | 2885.49 | 336.47 | 2549.02 | 119803.92 |
| 5 | 2025-10 | 2878.48 | 329.46 | 2549.02 | 117254.90 |
| 6 | 2025-11 | 2871.47 | 322.45 | 2549.02 | 114705.88 |
| 7 | 2025-12 | 2864.46 | 315.44 | 2549.02 | 112156.86 |
| 8 | 2026-01 | 2857.45 | 308.43 | 2549.02 | 109607.84 |
| 9 | 2026-02 | 2850.44 | 301.42 | 2549.02 | 107058.82 |
| 10 | 2026-03 | 2843.43 | 294.41 | 2549.02 | 104509.80 |
| 11 | 2026-04 | 2836.42 | 287.40 | 2549.02 | 101960.78 |
| 12 | 2026-05 | 2829.41 | 280.39 | 2549.02 | 99411.76 |
| 13 | 2026-06 | 2822.40 | 273.38 | 2549.02 | 96862.75 |
| 14 | 2026-07 | 2815.39 | 266.37 | 2549.02 | 94313.73 |
| 15 | 2026-08 | 2808.38 | 259.36 | 2549.02 | 91764.71 |
| 16 | 2026-09 | 2801.37 | 252.35 | 2549.02 | 89215.69 |
| 17 | 2026-10 | 2794.36 | 245.34 | 2549.02 | 86666.67 |
| 18 | 2026-11 | 2787.35 | 238.33 | 2549.02 | 84117.65 |
| 19 | 2026-12 | 2780.34 | 231.32 | 2549.02 | 81568.63 |
| 20 | 2027-01 | 2773.33 | 224.31 | 2549.02 | 79019.61 |
| 21 | 2027-02 | 2766.32 | 217.30 | 2549.02 | 76470.59 |
| 22 | 2027-03 | 2759.31 | 210.29 | 2549.02 | 73921.57 |
| 23 | 2027-04 | 2752.30 | 203.28 | 2549.02 | 71372.55 |
| 24 | 2027-05 | 2745.29 | 196.27 | 2549.02 | 68823.53 |
| 25 | 2027-06 | 2738.28 | 189.26 | 2549.02 | 66274.51 |
| 26 | 2027-07 | 2731.27 | 182.25 | 2549.02 | 63725.49 |
| 27 | 2027-08 | 2724.26 | 175.25 | 2549.02 | 61176.47 |
| 28 | 2027-09 | 2717.25 | 168.24 | 2549.02 | 58627.45 |
| 29 | 2027-10 | 2710.25 | 161.23 | 2549.02 | 56078.43 |
| 30 | 2027-11 | 2703.24 | 154.22 | 2549.02 | 53529.41 |
| 31 | 2027-12 | 2696.23 | 147.21 | 2549.02 | 50980.39 |
| 32 | 2028-01 | 2689.22 | 140.20 | 2549.02 | 48431.37 |
| 33 | 2028-02 | 2682.21 | 133.19 | 2549.02 | 45882.35 |
| 34 | 2028-03 | 2675.20 | 126.18 | 2549.02 | 43333.33 |
| 35 | 2028-04 | 2668.19 | 119.17 | 2549.02 | 40784.31 |
| 36 | 2028-05 | 2661.18 | 112.16 | 2549.02 | 38235.29 |
| 37 | 2028-06 | 2654.17 | 105.15 | 2549.02 | 35686.27 |
| 38 | 2028-07 | 2647.16 | 98.14 | 2549.02 | 33137.25 |
| 39 | 2028-08 | 2640.15 | 91.13 | 2549.02 | 30588.24 |
| 40 | 2028-09 | 2633.14 | 84.12 | 2549.02 | 28039.22 |
| 41 | 2028-10 | 2626.13 | 77.11 | 2549.02 | 25490.20 |
| 42 | 2028-11 | 2619.12 | 70.10 | 2549.02 | 22941.18 |
| 43 | 2028-12 | 2612.11 | 63.09 | 2549.02 | 20392.16 |
| 44 | 2029-01 | 2605.10 | 56.08 | 2549.02 | 17843.14 |
| 45 | 2029-02 | 2598.09 | 49.07 | 2549.02 | 15294.12 |
| 46 | 2029-03 | 2591.08 | 42.06 | 2549.02 | 12745.10 |
| 47 | 2029-04 | 2584.07 | 35.05 | 2549.02 | 10196.08 |
| 48 | 2029-05 | 2577.06 | 28.04 | 2549.02 | 7647.06 |
| 49 | 2029-06 | 2570.05 | 21.03 | 2549.02 | 5098.04 |
| 50 | 2029-07 | 2563.04 | 14.02 | 2549.02 | 2549.02 |
| 51 | 2029-08 | 2556.03 | 7.01 | 2549.02 | 0.00 |