贷款26万（商业贷款）房贷，还款5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：26万
还款月数：5年
每月还款：4770.72元
利息总额：2.62万
本息合计：28.62万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 4770.72 | 834.17 | 3936.55 | 256063.45 |
| 2 | 2025-04 | 4770.72 | 821.54 | 3949.18 | 252114.27 |
| 3 | 2025-05 | 4770.72 | 808.87 | 3961.85 | 248152.42 |
| 4 | 2025-06 | 4770.72 | 796.16 | 3974.56 | 244177.86 |
| 5 | 2025-07 | 4770.72 | 783.40 | 3987.31 | 240190.55 |
| 6 | 2025-08 | 4770.72 | 770.61 | 4000.10 | 236190.44 |
| 7 | 2025-09 | 4770.72 | 757.78 | 4012.94 | 232177.51 |
| 8 | 2025-10 | 4770.72 | 744.90 | 4025.81 | 228151.69 |
| 9 | 2025-11 | 4770.72 | 731.99 | 4038.73 | 224112.96 |
| 10 | 2025-12 | 4770.72 | 719.03 | 4051.69 | 220061.28 |
| 11 | 2026-01 | 4770.72 | 706.03 | 4064.69 | 215996.59 |
| 12 | 2026-02 | 4770.72 | 692.99 | 4077.73 | 211918.86 |
| 13 | 2026-03 | 4770.72 | 679.91 | 4090.81 | 207828.05 |
| 14 | 2026-04 | 4770.72 | 666.78 | 4103.93 | 203724.12 |
| 15 | 2026-05 | 4770.72 | 653.61 | 4117.10 | 199607.02 |
| 16 | 2026-06 | 4770.72 | 640.41 | 4130.31 | 195476.71 |
| 17 | 2026-07 | 4770.72 | 627.15 | 4143.56 | 191333.15 |
| 18 | 2026-08 | 4770.72 | 613.86 | 4156.86 | 187176.29 |
| 19 | 2026-09 | 4770.72 | 600.52 | 4170.19 | 183006.10 |
| 20 | 2026-10 | 4770.72 | 587.14 | 4183.57 | 178822.53 |
| 21 | 2026-11 | 4770.72 | 573.72 | 4196.99 | 174625.53 |
| 22 | 2026-12 | 4770.72 | 560.26 | 4210.46 | 170415.07 |
| 23 | 2027-01 | 4770.72 | 546.75 | 4223.97 | 166191.11 |
| 24 | 2027-02 | 4770.72 | 533.20 | 4237.52 | 161953.59 |
| 25 | 2027-03 | 4770.72 | 519.60 | 4251.12 | 157702.47 |
| 26 | 2027-04 | 4770.72 | 505.96 | 4264.75 | 153437.72 |
| 27 | 2027-05 | 4770.72 | 492.28 | 4278.44 | 149159.28 |
| 28 | 2027-06 | 4770.72 | 478.55 | 4292.16 | 144867.12 |
| 29 | 2027-07 | 4770.72 | 464.78 | 4305.93 | 140561.18 |
| 30 | 2027-08 | 4770.72 | 450.97 | 4319.75 | 136241.43 |
| 31 | 2027-09 | 4770.72 | 437.11 | 4333.61 | 131907.82 |
| 32 | 2027-10 | 4770.72 | 423.20 | 4347.51 | 127560.31 |
| 33 | 2027-11 | 4770.72 | 409.26 | 4361.46 | 123198.85 |
| 34 | 2027-12 | 4770.72 | 395.26 | 4375.45 | 118823.40 |
| 35 | 2028-01 | 4770.72 | 381.23 | 4389.49 | 114433.91 |
| 36 | 2028-02 | 4770.72 | 367.14 | 4403.57 | 110030.33 |
| 37 | 2028-03 | 4770.72 | 353.01 | 4417.70 | 105612.63 |
| 38 | 2028-04 | 4770.72 | 338.84 | 4431.88 | 101180.76 |
| 39 | 2028-05 | 4770.72 | 324.62 | 4446.09 | 96734.66 |
| 40 | 2028-06 | 4770.72 | 310.36 | 4460.36 | 92274.30 |
| 41 | 2028-07 | 4770.72 | 296.05 | 4474.67 | 87799.63 |
| 42 | 2028-08 | 4770.72 | 281.69 | 4489.03 | 83310.61 |
| 43 | 2028-09 | 4770.72 | 267.29 | 4503.43 | 78807.18 |
| 44 | 2028-10 | 4770.72 | 252.84 | 4517.88 | 74289.30 |
| 45 | 2028-11 | 4770.72 | 238.34 | 4532.37 | 69756.93 |
| 46 | 2028-12 | 4770.72 | 223.80 | 4546.91 | 65210.02 |
| 47 | 2029-01 | 4770.72 | 209.22 | 4561.50 | 60648.52 |
| 48 | 2029-02 | 4770.72 | 194.58 | 4576.14 | 56072.38 |
| 49 | 2029-03 | 4770.72 | 179.90 | 4590.82 | 51481.57 |
| 50 | 2029-04 | 4770.72 | 165.17 | 4605.55 | 46876.02 |
| 51 | 2029-05 | 4770.72 | 150.39 | 4620.32 | 42255.70 |
| 52 | 2029-06 | 4770.72 | 135.57 | 4635.15 | 37620.55 |
| 53 | 2029-07 | 4770.72 | 120.70 | 4650.02 | 32970.54 |
| 54 | 2029-08 | 4770.72 | 105.78 | 4664.94 | 28305.60 |
| 55 | 2029-09 | 4770.72 | 90.81 | 4679.90 | 23625.70 |
| 56 | 2029-10 | 4770.72 | 75.80 | 4694.92 | 18930.78 |
| 57 | 2029-11 | 4770.72 | 60.74 | 4709.98 | 14220.80 |
| 58 | 2029-12 | 4770.72 | 45.63 | 4725.09 | 9495.71 |
| 59 | 2030-01 | 4770.72 | 30.47 | 4740.25 | 4755.46 |
| 60 | 2030-02 | 4770.72 | 15.26 | 4755.46 | 0.00 |
等额本金还款方式：
贷款总额：26万
还款月数：5年
首月还款：5167.5元
每月递减：13.9元
利息总额：2.54万
本息合计：28.54万
节省利息：800.88元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 5167.50 | 834.17 | 4333.33 | 255666.67 |
| 2 | 2025-04 | 5153.60 | 820.26 | 4333.33 | 251333.33 |
| 3 | 2025-05 | 5139.69 | 806.36 | 4333.33 | 247000.00 |
| 4 | 2025-06 | 5125.79 | 792.46 | 4333.33 | 242666.67 |
| 5 | 2025-07 | 5111.89 | 778.56 | 4333.33 | 238333.33 |
| 6 | 2025-08 | 5097.99 | 764.65 | 4333.33 | 234000.00 |
| 7 | 2025-09 | 5084.08 | 750.75 | 4333.33 | 229666.67 |
| 8 | 2025-10 | 5070.18 | 736.85 | 4333.33 | 225333.33 |
| 9 | 2025-11 | 5056.28 | 722.94 | 4333.33 | 221000.00 |
| 10 | 2025-12 | 5042.38 | 709.04 | 4333.33 | 216666.67 |
| 11 | 2026-01 | 5028.47 | 695.14 | 4333.33 | 212333.33 |
| 12 | 2026-02 | 5014.57 | 681.24 | 4333.33 | 208000.00 |
| 13 | 2026-03 | 5000.67 | 667.33 | 4333.33 | 203666.67 |
| 14 | 2026-04 | 4986.76 | 653.43 | 4333.33 | 199333.33 |
| 15 | 2026-05 | 4972.86 | 639.53 | 4333.33 | 195000.00 |
| 16 | 2026-06 | 4958.96 | 625.63 | 4333.33 | 190666.67 |
| 17 | 2026-07 | 4945.06 | 611.72 | 4333.33 | 186333.33 |
| 18 | 2026-08 | 4931.15 | 597.82 | 4333.33 | 182000.00 |
| 19 | 2026-09 | 4917.25 | 583.92 | 4333.33 | 177666.67 |
| 20 | 2026-10 | 4903.35 | 570.01 | 4333.33 | 173333.33 |
| 21 | 2026-11 | 4889.44 | 556.11 | 4333.33 | 169000.00 |
| 22 | 2026-12 | 4875.54 | 542.21 | 4333.33 | 164666.67 |
| 23 | 2027-01 | 4861.64 | 528.31 | 4333.33 | 160333.33 |
| 24 | 2027-02 | 4847.74 | 514.40 | 4333.33 | 156000.00 |
| 25 | 2027-03 | 4833.83 | 500.50 | 4333.33 | 151666.67 |
| 26 | 2027-04 | 4819.93 | 486.60 | 4333.33 | 147333.33 |
| 27 | 2027-05 | 4806.03 | 472.69 | 4333.33 | 143000.00 |
| 28 | 2027-06 | 4792.13 | 458.79 | 4333.33 | 138666.67 |
| 29 | 2027-07 | 4778.22 | 444.89 | 4333.33 | 134333.33 |
| 30 | 2027-08 | 4764.32 | 430.99 | 4333.33 | 130000.00 |
| 31 | 2027-09 | 4750.42 | 417.08 | 4333.33 | 125666.67 |
| 32 | 2027-10 | 4736.51 | 403.18 | 4333.33 | 121333.33 |
| 33 | 2027-11 | 4722.61 | 389.28 | 4333.33 | 117000.00 |
| 34 | 2027-12 | 4708.71 | 375.38 | 4333.33 | 112666.67 |
| 35 | 2028-01 | 4694.81 | 361.47 | 4333.33 | 108333.33 |
| 36 | 2028-02 | 4680.90 | 347.57 | 4333.33 | 104000.00 |
| 37 | 2028-03 | 4667.00 | 333.67 | 4333.33 | 99666.67 |
| 38 | 2028-04 | 4653.10 | 319.76 | 4333.33 | 95333.33 |
| 39 | 2028-05 | 4639.19 | 305.86 | 4333.33 | 91000.00 |
| 40 | 2028-06 | 4625.29 | 291.96 | 4333.33 | 86666.67 |
| 41 | 2028-07 | 4611.39 | 278.06 | 4333.33 | 82333.33 |
| 42 | 2028-08 | 4597.49 | 264.15 | 4333.33 | 78000.00 |
| 43 | 2028-09 | 4583.58 | 250.25 | 4333.33 | 73666.67 |
| 44 | 2028-10 | 4569.68 | 236.35 | 4333.33 | 69333.33 |
| 45 | 2028-11 | 4555.78 | 222.44 | 4333.33 | 65000.00 |
| 46 | 2028-12 | 4541.88 | 208.54 | 4333.33 | 60666.67 |
| 47 | 2029-01 | 4527.97 | 194.64 | 4333.33 | 56333.33 |
| 48 | 2029-02 | 4514.07 | 180.74 | 4333.33 | 52000.00 |
| 49 | 2029-03 | 4500.17 | 166.83 | 4333.33 | 47666.67 |
| 50 | 2029-04 | 4486.26 | 152.93 | 4333.33 | 43333.33 |
| 51 | 2029-05 | 4472.36 | 139.03 | 4333.33 | 39000.00 |
| 52 | 2029-06 | 4458.46 | 125.13 | 4333.33 | 34666.67 |
| 53 | 2029-07 | 4444.56 | 111.22 | 4333.33 | 30333.33 |
| 54 | 2029-08 | 4430.65 | 97.32 | 4333.33 | 26000.00 |
| 55 | 2029-09 | 4416.75 | 83.42 | 4333.33 | 21666.67 |
| 56 | 2029-10 | 4402.85 | 69.51 | 4333.33 | 17333.33 |
| 57 | 2029-11 | 4388.94 | 55.61 | 4333.33 | 13000.00 |
| 58 | 2029-12 | 4375.04 | 41.71 | 4333.33 | 8666.67 |
| 59 | 2030-01 | 4361.14 | 27.81 | 4333.33 | 4333.33 |
| 60 | 2030-02 | 4347.24 | 13.90 | 4333.33 | 0.00 |