贷款15万（商业贷款）房贷，还款4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：15万
还款月数：4年
每月还款：3400.3元
利息总额：1.32万
本息合计：16.32万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 3400.30 | 525.00 | 2875.30 | 147124.70 |
| 2 | 2024-05 | 3400.30 | 514.94 | 2885.36 | 144239.34 |
| 3 | 2024-06 | 3400.30 | 504.84 | 2895.46 | 141343.88 |
| 4 | 2024-07 | 3400.30 | 494.70 | 2905.60 | 138438.28 |
| 5 | 2024-08 | 3400.30 | 484.53 | 2915.77 | 135522.52 |
| 6 | 2024-09 | 3400.30 | 474.33 | 2925.97 | 132596.54 |
| 7 | 2024-10 | 3400.30 | 464.09 | 2936.21 | 129660.33 |
| 8 | 2024-11 | 3400.30 | 453.81 | 2946.49 | 126713.85 |
| 9 | 2024-12 | 3400.30 | 443.50 | 2956.80 | 123757.04 |
| 10 | 2025-01 | 3400.30 | 433.15 | 2967.15 | 120789.89 |
| 11 | 2025-02 | 3400.30 | 422.76 | 2977.53 | 117812.36 |
| 12 | 2025-03 | 3400.30 | 412.34 | 2987.96 | 114824.40 |
| 13 | 2025-04 | 3400.30 | 401.89 | 2998.41 | 111825.99 |
| 14 | 2025-05 | 3400.30 | 391.39 | 3008.91 | 108817.08 |
| 15 | 2025-06 | 3400.30 | 380.86 | 3019.44 | 105797.64 |
| 16 | 2025-07 | 3400.30 | 370.29 | 3030.01 | 102767.63 |
| 17 | 2025-08 | 3400.30 | 359.69 | 3040.61 | 99727.02 |
| 18 | 2025-09 | 3400.30 | 349.04 | 3051.25 | 96675.77 |
| 19 | 2025-10 | 3400.30 | 338.37 | 3061.93 | 93613.83 |
| 20 | 2025-11 | 3400.30 | 327.65 | 3072.65 | 90541.18 |
| 21 | 2025-12 | 3400.30 | 316.89 | 3083.41 | 87457.78 |
| 22 | 2026-01 | 3400.30 | 306.10 | 3094.20 | 84363.58 |
| 23 | 2026-02 | 3400.30 | 295.27 | 3105.03 | 81258.55 |
| 24 | 2026-03 | 3400.30 | 284.40 | 3115.89 | 78142.66 |
| 25 | 2026-04 | 3400.30 | 273.50 | 3126.80 | 75015.86 |
| 26 | 2026-05 | 3400.30 | 262.56 | 3137.74 | 71878.12 |
| 27 | 2026-06 | 3400.30 | 251.57 | 3148.73 | 68729.39 |
| 28 | 2026-07 | 3400.30 | 240.55 | 3159.75 | 65569.64 |
| 29 | 2026-08 | 3400.30 | 229.49 | 3170.81 | 62398.84 |
| 30 | 2026-09 | 3400.30 | 218.40 | 3181.90 | 59216.93 |
| 31 | 2026-10 | 3400.30 | 207.26 | 3193.04 | 56023.89 |
| 32 | 2026-11 | 3400.30 | 196.08 | 3204.22 | 52819.68 |
| 33 | 2026-12 | 3400.30 | 184.87 | 3215.43 | 49604.25 |
| 34 | 2027-01 | 3400.30 | 173.61 | 3226.68 | 46377.56 |
| 35 | 2027-02 | 3400.30 | 162.32 | 3237.98 | 43139.59 |
| 36 | 2027-03 | 3400.30 | 150.99 | 3249.31 | 39890.27 |
| 37 | 2027-04 | 3400.30 | 139.62 | 3260.68 | 36629.59 |
| 38 | 2027-05 | 3400.30 | 128.20 | 3272.10 | 33357.50 |
| 39 | 2027-06 | 3400.30 | 116.75 | 3283.55 | 30073.95 |
| 40 | 2027-07 | 3400.30 | 105.26 | 3295.04 | 26778.91 |
| 41 | 2027-08 | 3400.30 | 93.73 | 3306.57 | 23472.33 |
| 42 | 2027-09 | 3400.30 | 82.15 | 3318.15 | 20154.19 |
| 43 | 2027-10 | 3400.30 | 70.54 | 3329.76 | 16824.43 |
| 44 | 2027-11 | 3400.30 | 58.89 | 3341.41 | 13483.01 |
| 45 | 2027-12 | 3400.30 | 47.19 | 3353.11 | 10129.91 |
| 46 | 2028-01 | 3400.30 | 35.45 | 3364.84 | 6765.06 |
| 47 | 2028-02 | 3400.30 | 23.68 | 3376.62 | 3388.44 |
| 48 | 2028-03 | 3400.30 | 11.86 | 3388.44 | 0.00 |
等额本金还款方式：
贷款总额：15万
还款月数：4年
首月还款：3650元
每月递减：10.94元
利息总额：1.29万
本息合计：16.29万
节省利息：351.87元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 3650.00 | 525.00 | 3125.00 | 146875.00 |
| 2 | 2024-05 | 3639.06 | 514.06 | 3125.00 | 143750.00 |
| 3 | 2024-06 | 3628.13 | 503.13 | 3125.00 | 140625.00 |
| 4 | 2024-07 | 3617.19 | 492.19 | 3125.00 | 137500.00 |
| 5 | 2024-08 | 3606.25 | 481.25 | 3125.00 | 134375.00 |
| 6 | 2024-09 | 3595.31 | 470.31 | 3125.00 | 131250.00 |
| 7 | 2024-10 | 3584.38 | 459.38 | 3125.00 | 128125.00 |
| 8 | 2024-11 | 3573.44 | 448.44 | 3125.00 | 125000.00 |
| 9 | 2024-12 | 3562.50 | 437.50 | 3125.00 | 121875.00 |
| 10 | 2025-01 | 3551.56 | 426.56 | 3125.00 | 118750.00 |
| 11 | 2025-02 | 3540.63 | 415.63 | 3125.00 | 115625.00 |
| 12 | 2025-03 | 3529.69 | 404.69 | 3125.00 | 112500.00 |
| 13 | 2025-04 | 3518.75 | 393.75 | 3125.00 | 109375.00 |
| 14 | 2025-05 | 3507.81 | 382.81 | 3125.00 | 106250.00 |
| 15 | 2025-06 | 3496.88 | 371.88 | 3125.00 | 103125.00 |
| 16 | 2025-07 | 3485.94 | 360.94 | 3125.00 | 100000.00 |
| 17 | 2025-08 | 3475.00 | 350.00 | 3125.00 | 96875.00 |
| 18 | 2025-09 | 3464.06 | 339.06 | 3125.00 | 93750.00 |
| 19 | 2025-10 | 3453.13 | 328.13 | 3125.00 | 90625.00 |
| 20 | 2025-11 | 3442.19 | 317.19 | 3125.00 | 87500.00 |
| 21 | 2025-12 | 3431.25 | 306.25 | 3125.00 | 84375.00 |
| 22 | 2026-01 | 3420.31 | 295.31 | 3125.00 | 81250.00 |
| 23 | 2026-02 | 3409.38 | 284.38 | 3125.00 | 78125.00 |
| 24 | 2026-03 | 3398.44 | 273.44 | 3125.00 | 75000.00 |
| 25 | 2026-04 | 3387.50 | 262.50 | 3125.00 | 71875.00 |
| 26 | 2026-05 | 3376.56 | 251.56 | 3125.00 | 68750.00 |
| 27 | 2026-06 | 3365.63 | 240.63 | 3125.00 | 65625.00 |
| 28 | 2026-07 | 3354.69 | 229.69 | 3125.00 | 62500.00 |
| 29 | 2026-08 | 3343.75 | 218.75 | 3125.00 | 59375.00 |
| 30 | 2026-09 | 3332.81 | 207.81 | 3125.00 | 56250.00 |
| 31 | 2026-10 | 3321.88 | 196.88 | 3125.00 | 53125.00 |
| 32 | 2026-11 | 3310.94 | 185.94 | 3125.00 | 50000.00 |
| 33 | 2026-12 | 3300.00 | 175.00 | 3125.00 | 46875.00 |
| 34 | 2027-01 | 3289.06 | 164.06 | 3125.00 | 43750.00 |
| 35 | 2027-02 | 3278.13 | 153.13 | 3125.00 | 40625.00 |
| 36 | 2027-03 | 3267.19 | 142.19 | 3125.00 | 37500.00 |
| 37 | 2027-04 | 3256.25 | 131.25 | 3125.00 | 34375.00 |
| 38 | 2027-05 | 3245.31 | 120.31 | 3125.00 | 31250.00 |
| 39 | 2027-06 | 3234.38 | 109.38 | 3125.00 | 28125.00 |
| 40 | 2027-07 | 3223.44 | 98.44 | 3125.00 | 25000.00 |
| 41 | 2027-08 | 3212.50 | 87.50 | 3125.00 | 21875.00 |
| 42 | 2027-09 | 3201.56 | 76.56 | 3125.00 | 18750.00 |
| 43 | 2027-10 | 3190.63 | 65.63 | 3125.00 | 15625.00 |
| 44 | 2027-11 | 3179.69 | 54.69 | 3125.00 | 12500.00 |
| 45 | 2027-12 | 3168.75 | 43.75 | 3125.00 | 9375.00 |
| 46 | 2028-01 | 3157.81 | 32.81 | 3125.00 | 6250.00 |
| 47 | 2028-02 | 3146.88 | 21.88 | 3125.00 | 3125.00 |
| 48 | 2028-03 | 3135.94 | 10.94 | 3125.00 | 0.00 |