贷款18.8万（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：18.8万
还款月数：3年4个月
每月还款：4969.69元
利息总额：1.08万
本息合计：19.88万
| 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 | 4969.69 | 517.00 | 4452.69 | 183547.31 |
| 2 | 2025-07 | 4969.69 | 504.76 | 4464.94 | 179082.37 |
| 3 | 2025-08 | 4969.69 | 492.48 | 4477.21 | 174605.16 |
| 4 | 2025-09 | 4969.69 | 480.16 | 4489.53 | 170115.63 |
| 5 | 2025-10 | 4969.69 | 467.82 | 4501.87 | 165613.76 |
| 6 | 2025-11 | 4969.69 | 455.44 | 4514.25 | 161099.50 |
| 7 | 2025-12 | 4969.69 | 443.02 | 4526.67 | 156572.84 |
| 8 | 2026-01 | 4969.69 | 430.58 | 4539.12 | 152033.72 |
| 9 | 2026-02 | 4969.69 | 418.09 | 4551.60 | 147482.12 |
| 10 | 2026-03 | 4969.69 | 405.58 | 4564.12 | 142918.01 |
| 11 | 2026-04 | 4969.69 | 393.02 | 4576.67 | 138341.34 |
| 12 | 2026-05 | 4969.69 | 380.44 | 4589.25 | 133752.09 |
| 13 | 2026-06 | 4969.69 | 367.82 | 4601.87 | 129150.21 |
| 14 | 2026-07 | 4969.69 | 355.16 | 4614.53 | 124535.69 |
| 15 | 2026-08 | 4969.69 | 342.47 | 4627.22 | 119908.47 |
| 16 | 2026-09 | 4969.69 | 329.75 | 4639.94 | 115268.53 |
| 17 | 2026-10 | 4969.69 | 316.99 | 4652.70 | 110615.82 |
| 18 | 2026-11 | 4969.69 | 304.19 | 4665.50 | 105950.32 |
| 19 | 2026-12 | 4969.69 | 291.36 | 4678.33 | 101272.00 |
| 20 | 2027-01 | 4969.69 | 278.50 | 4691.19 | 96580.80 |
| 21 | 2027-02 | 4969.69 | 265.60 | 4704.09 | 91876.71 |
| 22 | 2027-03 | 4969.69 | 252.66 | 4717.03 | 87159.68 |
| 23 | 2027-04 | 4969.69 | 239.69 | 4730.00 | 82429.68 |
| 24 | 2027-05 | 4969.69 | 226.68 | 4743.01 | 77686.67 |
| 25 | 2027-06 | 4969.69 | 213.64 | 4756.05 | 72930.61 |
| 26 | 2027-07 | 4969.69 | 200.56 | 4769.13 | 68161.48 |
| 27 | 2027-08 | 4969.69 | 187.44 | 4782.25 | 63379.24 |
| 28 | 2027-09 | 4969.69 | 174.29 | 4795.40 | 58583.84 |
| 29 | 2027-10 | 4969.69 | 161.11 | 4808.59 | 53775.25 |
| 30 | 2027-11 | 4969.69 | 147.88 | 4821.81 | 48953.44 |
| 31 | 2027-12 | 4969.69 | 134.62 | 4835.07 | 44118.37 |
| 32 | 2028-01 | 4969.69 | 121.33 | 4848.37 | 39270.01 |
| 33 | 2028-02 | 4969.69 | 107.99 | 4861.70 | 34408.31 |
| 34 | 2028-03 | 4969.69 | 94.62 | 4875.07 | 29533.24 |
| 35 | 2028-04 | 4969.69 | 81.22 | 4888.47 | 24644.76 |
| 36 | 2028-05 | 4969.69 | 67.77 | 4901.92 | 19742.85 |
| 37 | 2028-06 | 4969.69 | 54.29 | 4915.40 | 14827.45 |
| 38 | 2028-07 | 4969.69 | 40.78 | 4928.92 | 9898.53 |
| 39 | 2028-08 | 4969.69 | 27.22 | 4942.47 | 4956.06 |
| 40 | 2028-09 | 4969.69 | 13.63 | 4956.06 | 0.00 |
等额本金还款方式：
贷款总额：18.8万
还款月数：3年4个月
首月还款：5217元
每月递减：12.92元
利息总额：1.06万
本息合计：19.86万
节省利息：189.15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 | 5217.00 | 517.00 | 4700.00 | 183300.00 |
| 2 | 2025-07 | 5204.07 | 504.08 | 4700.00 | 178600.00 |
| 3 | 2025-08 | 5191.15 | 491.15 | 4700.00 | 173900.00 |
| 4 | 2025-09 | 5178.23 | 478.23 | 4700.00 | 169200.00 |
| 5 | 2025-10 | 5165.30 | 465.30 | 4700.00 | 164500.00 |
| 6 | 2025-11 | 5152.38 | 452.38 | 4700.00 | 159800.00 |
| 7 | 2025-12 | 5139.45 | 439.45 | 4700.00 | 155100.00 |
| 8 | 2026-01 | 5126.52 | 426.53 | 4700.00 | 150400.00 |
| 9 | 2026-02 | 5113.60 | 413.60 | 4700.00 | 145700.00 |
| 10 | 2026-03 | 5100.68 | 400.68 | 4700.00 | 141000.00 |
| 11 | 2026-04 | 5087.75 | 387.75 | 4700.00 | 136300.00 |
| 12 | 2026-05 | 5074.82 | 374.83 | 4700.00 | 131600.00 |
| 13 | 2026-06 | 5061.90 | 361.90 | 4700.00 | 126900.00 |
| 14 | 2026-07 | 5048.98 | 348.98 | 4700.00 | 122200.00 |
| 15 | 2026-08 | 5036.05 | 336.05 | 4700.00 | 117500.00 |
| 16 | 2026-09 | 5023.13 | 323.13 | 4700.00 | 112800.00 |
| 17 | 2026-10 | 5010.20 | 310.20 | 4700.00 | 108100.00 |
| 18 | 2026-11 | 4997.27 | 297.28 | 4700.00 | 103400.00 |
| 19 | 2026-12 | 4984.35 | 284.35 | 4700.00 | 98700.00 |
| 20 | 2027-01 | 4971.43 | 271.43 | 4700.00 | 94000.00 |
| 21 | 2027-02 | 4958.50 | 258.50 | 4700.00 | 89300.00 |
| 22 | 2027-03 | 4945.57 | 245.58 | 4700.00 | 84600.00 |
| 23 | 2027-04 | 4932.65 | 232.65 | 4700.00 | 79900.00 |
| 24 | 2027-05 | 4919.73 | 219.73 | 4700.00 | 75200.00 |
| 25 | 2027-06 | 4906.80 | 206.80 | 4700.00 | 70500.00 |
| 26 | 2027-07 | 4893.88 | 193.88 | 4700.00 | 65800.00 |
| 27 | 2027-08 | 4880.95 | 180.95 | 4700.00 | 61100.00 |
| 28 | 2027-09 | 4868.02 | 168.03 | 4700.00 | 56400.00 |
| 29 | 2027-10 | 4855.10 | 155.10 | 4700.00 | 51700.00 |
| 30 | 2027-11 | 4842.18 | 142.18 | 4700.00 | 47000.00 |
| 31 | 2027-12 | 4829.25 | 129.25 | 4700.00 | 42300.00 |
| 32 | 2028-01 | 4816.32 | 116.33 | 4700.00 | 37600.00 |
| 33 | 2028-02 | 4803.40 | 103.40 | 4700.00 | 32900.00 |
| 34 | 2028-03 | 4790.48 | 90.48 | 4700.00 | 28200.00 |
| 35 | 2028-04 | 4777.55 | 77.55 | 4700.00 | 23500.00 |
| 36 | 2028-05 | 4764.63 | 64.63 | 4700.00 | 18800.00 |
| 37 | 2028-06 | 4751.70 | 51.70 | 4700.00 | 14100.00 |
| 38 | 2028-07 | 4738.77 | 38.78 | 4700.00 | 9400.00 |
| 39 | 2028-08 | 4725.85 | 25.85 | 4700.00 | 4700.00 |
| 40 | 2028-09 | 4712.93 | 12.93 | 4700.00 | 0.00 |