贷款12.5万（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：12.5万
还款月数：4年
每月还款：2609.49元
利息总额：255.37元
本息合计：12.53万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 2609.49 | 10.42 | 2599.07 | 122400.93 |
| 2 | 2024-11 | 2609.49 | 10.20 | 2599.29 | 119801.64 |
| 3 | 2024-12 | 2609.49 | 9.98 | 2599.50 | 117202.14 |
| 4 | 2025-01 | 2609.49 | 9.77 | 2599.72 | 114602.42 |
| 5 | 2025-02 | 2609.49 | 9.55 | 2599.94 | 112002.48 |
| 6 | 2025-03 | 2609.49 | 9.33 | 2600.15 | 109402.33 |
| 7 | 2025-04 | 2609.49 | 9.12 | 2600.37 | 106801.96 |
| 8 | 2025-05 | 2609.49 | 8.90 | 2600.59 | 104201.37 |
| 9 | 2025-06 | 2609.49 | 8.68 | 2600.80 | 101600.57 |
| 10 | 2025-07 | 2609.49 | 8.47 | 2601.02 | 98999.55 |
| 11 | 2025-08 | 2609.49 | 8.25 | 2601.24 | 96398.31 |
| 12 | 2025-09 | 2609.49 | 8.03 | 2601.45 | 93796.86 |
| 13 | 2025-10 | 2609.49 | 7.82 | 2601.67 | 91195.19 |
| 14 | 2025-11 | 2609.49 | 7.60 | 2601.89 | 88593.30 |
| 15 | 2025-12 | 2609.49 | 7.38 | 2602.10 | 85991.20 |
| 16 | 2026-01 | 2609.49 | 7.17 | 2602.32 | 83388.87 |
| 17 | 2026-02 | 2609.49 | 6.95 | 2602.54 | 80786.34 |
| 18 | 2026-03 | 2609.49 | 6.73 | 2602.75 | 78183.58 |
| 19 | 2026-04 | 2609.49 | 6.52 | 2602.97 | 75580.61 |
| 20 | 2026-05 | 2609.49 | 6.30 | 2603.19 | 72977.42 |
| 21 | 2026-06 | 2609.49 | 6.08 | 2603.41 | 70374.02 |
| 22 | 2026-07 | 2609.49 | 5.86 | 2603.62 | 67770.39 |
| 23 | 2026-08 | 2609.49 | 5.65 | 2603.84 | 65166.55 |
| 24 | 2026-09 | 2609.49 | 5.43 | 2604.06 | 62562.50 |
| 25 | 2026-10 | 2609.49 | 5.21 | 2604.27 | 59958.22 |
| 26 | 2026-11 | 2609.49 | 5.00 | 2604.49 | 57353.73 |
| 27 | 2026-12 | 2609.49 | 4.78 | 2604.71 | 54749.03 |
| 28 | 2027-01 | 2609.49 | 4.56 | 2604.92 | 52144.10 |
| 29 | 2027-02 | 2609.49 | 4.35 | 2605.14 | 49538.96 |
| 30 | 2027-03 | 2609.49 | 4.13 | 2605.36 | 46933.60 |
| 31 | 2027-04 | 2609.49 | 3.91 | 2605.58 | 44328.03 |
| 32 | 2027-05 | 2609.49 | 3.69 | 2605.79 | 41722.23 |
| 33 | 2027-06 | 2609.49 | 3.48 | 2606.01 | 39116.22 |
| 34 | 2027-07 | 2609.49 | 3.26 | 2606.23 | 36509.99 |
| 35 | 2027-08 | 2609.49 | 3.04 | 2606.44 | 33903.55 |
| 36 | 2027-09 | 2609.49 | 2.83 | 2606.66 | 31296.89 |
| 37 | 2027-10 | 2609.49 | 2.61 | 2606.88 | 28690.01 |
| 38 | 2027-11 | 2609.49 | 2.39 | 2607.10 | 26082.91 |
| 39 | 2027-12 | 2609.49 | 2.17 | 2607.31 | 23475.60 |
| 40 | 2028-01 | 2609.49 | 1.96 | 2607.53 | 20868.07 |
| 41 | 2028-02 | 2609.49 | 1.74 | 2607.75 | 18260.32 |
| 42 | 2028-03 | 2609.49 | 1.52 | 2607.97 | 15652.36 |
| 43 | 2028-04 | 2609.49 | 1.30 | 2608.18 | 13044.17 |
| 44 | 2028-05 | 2609.49 | 1.09 | 2608.40 | 10435.77 |
| 45 | 2028-06 | 2609.49 | 0.87 | 2608.62 | 7827.16 |
| 46 | 2028-07 | 2609.49 | 0.65 | 2608.83 | 5218.32 |
| 47 | 2028-08 | 2609.49 | 0.43 | 2609.05 | 2609.27 |
| 48 | 2028-09 | 2609.49 | 0.22 | 2609.27 | 0.00 |
等额本金还款方式：
贷款总额：12.5万
还款月数：4年
首月还款：2614.58元
每月递减：0.22元
利息总额：255.21元
本息合计：12.53万
节省利息：0.17元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 2614.58 | 10.42 | 2604.17 | 122395.83 |
| 2 | 2024-11 | 2614.37 | 10.20 | 2604.17 | 119791.67 |
| 3 | 2024-12 | 2614.15 | 9.98 | 2604.17 | 117187.50 |
| 4 | 2025-01 | 2613.93 | 9.77 | 2604.17 | 114583.33 |
| 5 | 2025-02 | 2613.72 | 9.55 | 2604.17 | 111979.17 |
| 6 | 2025-03 | 2613.50 | 9.33 | 2604.17 | 109375.00 |
| 7 | 2025-04 | 2613.28 | 9.11 | 2604.17 | 106770.83 |
| 8 | 2025-05 | 2613.06 | 8.90 | 2604.17 | 104166.67 |
| 9 | 2025-06 | 2612.85 | 8.68 | 2604.17 | 101562.50 |
| 10 | 2025-07 | 2612.63 | 8.46 | 2604.17 | 98958.33 |
| 11 | 2025-08 | 2612.41 | 8.25 | 2604.17 | 96354.17 |
| 12 | 2025-09 | 2612.20 | 8.03 | 2604.17 | 93750.00 |
| 13 | 2025-10 | 2611.98 | 7.81 | 2604.17 | 91145.83 |
| 14 | 2025-11 | 2611.76 | 7.60 | 2604.17 | 88541.67 |
| 15 | 2025-12 | 2611.55 | 7.38 | 2604.17 | 85937.50 |
| 16 | 2026-01 | 2611.33 | 7.16 | 2604.17 | 83333.33 |
| 17 | 2026-02 | 2611.11 | 6.94 | 2604.17 | 80729.17 |
| 18 | 2026-03 | 2610.89 | 6.73 | 2604.17 | 78125.00 |
| 19 | 2026-04 | 2610.68 | 6.51 | 2604.17 | 75520.83 |
| 20 | 2026-05 | 2610.46 | 6.29 | 2604.17 | 72916.67 |
| 21 | 2026-06 | 2610.24 | 6.08 | 2604.17 | 70312.50 |
| 22 | 2026-07 | 2610.03 | 5.86 | 2604.17 | 67708.33 |
| 23 | 2026-08 | 2609.81 | 5.64 | 2604.17 | 65104.17 |
| 24 | 2026-09 | 2609.59 | 5.43 | 2604.17 | 62500.00 |
| 25 | 2026-10 | 2609.38 | 5.21 | 2604.17 | 59895.83 |
| 26 | 2026-11 | 2609.16 | 4.99 | 2604.17 | 57291.67 |
| 27 | 2026-12 | 2608.94 | 4.77 | 2604.17 | 54687.50 |
| 28 | 2027-01 | 2608.72 | 4.56 | 2604.17 | 52083.33 |
| 29 | 2027-02 | 2608.51 | 4.34 | 2604.17 | 49479.17 |
| 30 | 2027-03 | 2608.29 | 4.12 | 2604.17 | 46875.00 |
| 31 | 2027-04 | 2608.07 | 3.91 | 2604.17 | 44270.83 |
| 32 | 2027-05 | 2607.86 | 3.69 | 2604.17 | 41666.67 |
| 33 | 2027-06 | 2607.64 | 3.47 | 2604.17 | 39062.50 |
| 34 | 2027-07 | 2607.42 | 3.26 | 2604.17 | 36458.33 |
| 35 | 2027-08 | 2607.20 | 3.04 | 2604.17 | 33854.17 |
| 36 | 2027-09 | 2606.99 | 2.82 | 2604.17 | 31250.00 |
| 37 | 2027-10 | 2606.77 | 2.60 | 2604.17 | 28645.83 |
| 38 | 2027-11 | 2606.55 | 2.39 | 2604.17 | 26041.67 |
| 39 | 2027-12 | 2606.34 | 2.17 | 2604.17 | 23437.50 |
| 40 | 2028-01 | 2606.12 | 1.95 | 2604.17 | 20833.33 |
| 41 | 2028-02 | 2605.90 | 1.74 | 2604.17 | 18229.17 |
| 42 | 2028-03 | 2605.69 | 1.52 | 2604.17 | 15625.00 |
| 43 | 2028-04 | 2605.47 | 1.30 | 2604.17 | 13020.83 |
| 44 | 2028-05 | 2605.25 | 1.09 | 2604.17 | 10416.67 |
| 45 | 2028-06 | 2605.03 | 0.87 | 2604.17 | 7812.50 |
| 46 | 2028-07 | 2604.82 | 0.65 | 2604.17 | 5208.33 |
| 47 | 2028-08 | 2604.60 | 0.43 | 2604.17 | 2604.17 |
| 48 | 2028-09 | 2604.38 | 0.22 | 2604.17 | 0.00 |