贷款3万（商业贷款）房贷，还款3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：3万
还款月数：3年
每月还款：875.08元
利息总额：1502.99元
本息合计：3.15万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 875.08 | 80.00 | 795.08 | 29204.92 |
| 2 | 2026-02 | 875.08 | 77.88 | 797.20 | 28407.71 |
| 3 | 2026-03 | 875.08 | 75.75 | 799.33 | 27608.38 |
| 4 | 2026-04 | 875.08 | 73.62 | 801.46 | 26806.92 |
| 5 | 2026-05 | 875.08 | 71.49 | 803.60 | 26003.33 |
| 6 | 2026-06 | 875.08 | 69.34 | 805.74 | 25197.59 |
| 7 | 2026-07 | 875.08 | 67.19 | 807.89 | 24389.70 |
| 8 | 2026-08 | 875.08 | 65.04 | 810.04 | 23579.65 |
| 9 | 2026-09 | 875.08 | 62.88 | 812.20 | 22767.45 |
| 10 | 2026-10 | 875.08 | 60.71 | 814.37 | 21953.08 |
| 11 | 2026-11 | 875.08 | 58.54 | 816.54 | 21136.54 |
| 12 | 2026-12 | 875.08 | 56.36 | 818.72 | 20317.82 |
| 13 | 2027-01 | 875.08 | 54.18 | 820.90 | 19496.92 |
| 14 | 2027-02 | 875.08 | 51.99 | 823.09 | 18673.82 |
| 15 | 2027-03 | 875.08 | 49.80 | 825.29 | 17848.54 |
| 16 | 2027-04 | 875.08 | 47.60 | 827.49 | 17021.05 |
| 17 | 2027-05 | 875.08 | 45.39 | 829.69 | 16191.36 |
| 18 | 2027-06 | 875.08 | 43.18 | 831.91 | 15359.45 |
| 19 | 2027-07 | 875.08 | 40.96 | 834.12 | 14525.33 |
| 20 | 2027-08 | 875.08 | 38.73 | 836.35 | 13688.98 |
| 21 | 2027-09 | 875.08 | 36.50 | 838.58 | 12850.40 |
| 22 | 2027-10 | 875.08 | 34.27 | 840.82 | 12009.58 |
| 23 | 2027-11 | 875.08 | 32.03 | 843.06 | 11166.53 |
| 24 | 2027-12 | 875.08 | 29.78 | 845.31 | 10321.22 |
| 25 | 2028-01 | 875.08 | 27.52 | 847.56 | 9473.66 |
| 26 | 2028-02 | 875.08 | 25.26 | 849.82 | 8623.84 |
| 27 | 2028-03 | 875.08 | 23.00 | 852.09 | 7771.76 |
| 28 | 2028-04 | 875.08 | 20.72 | 854.36 | 6917.40 |
| 29 | 2028-05 | 875.08 | 18.45 | 856.64 | 6060.76 |
| 30 | 2028-06 | 875.08 | 16.16 | 858.92 | 5201.84 |
| 31 | 2028-07 | 875.08 | 13.87 | 861.21 | 4340.63 |
| 32 | 2028-08 | 875.08 | 11.58 | 863.51 | 3477.12 |
| 33 | 2028-09 | 875.08 | 9.27 | 865.81 | 2611.31 |
| 34 | 2028-10 | 875.08 | 6.96 | 868.12 | 1743.19 |
| 35 | 2028-11 | 875.08 | 4.65 | 870.43 | 872.76 |
| 36 | 2028-12 | 875.08 | 2.33 | 872.76 | 0.00 |
等额本金还款方式：
贷款总额：3万
还款月数：3年
首月还款：913.33元
每月递减：2.22元
利息总额：1480元
本息合计：3.15万
节省利息：22.99元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 913.33 | 80.00 | 833.33 | 29166.67 |
| 2 | 2026-02 | 911.11 | 77.78 | 833.33 | 28333.33 |
| 3 | 2026-03 | 908.89 | 75.56 | 833.33 | 27500.00 |
| 4 | 2026-04 | 906.67 | 73.33 | 833.33 | 26666.67 |
| 5 | 2026-05 | 904.44 | 71.11 | 833.33 | 25833.33 |
| 6 | 2026-06 | 902.22 | 68.89 | 833.33 | 25000.00 |
| 7 | 2026-07 | 900.00 | 66.67 | 833.33 | 24166.67 |
| 8 | 2026-08 | 897.78 | 64.44 | 833.33 | 23333.33 |
| 9 | 2026-09 | 895.56 | 62.22 | 833.33 | 22500.00 |
| 10 | 2026-10 | 893.33 | 60.00 | 833.33 | 21666.67 |
| 11 | 2026-11 | 891.11 | 57.78 | 833.33 | 20833.33 |
| 12 | 2026-12 | 888.89 | 55.56 | 833.33 | 20000.00 |
| 13 | 2027-01 | 886.67 | 53.33 | 833.33 | 19166.67 |
| 14 | 2027-02 | 884.44 | 51.11 | 833.33 | 18333.33 |
| 15 | 2027-03 | 882.22 | 48.89 | 833.33 | 17500.00 |
| 16 | 2027-04 | 880.00 | 46.67 | 833.33 | 16666.67 |
| 17 | 2027-05 | 877.78 | 44.44 | 833.33 | 15833.33 |
| 18 | 2027-06 | 875.56 | 42.22 | 833.33 | 15000.00 |
| 19 | 2027-07 | 873.33 | 40.00 | 833.33 | 14166.67 |
| 20 | 2027-08 | 871.11 | 37.78 | 833.33 | 13333.33 |
| 21 | 2027-09 | 868.89 | 35.56 | 833.33 | 12500.00 |
| 22 | 2027-10 | 866.67 | 33.33 | 833.33 | 11666.67 |
| 23 | 2027-11 | 864.44 | 31.11 | 833.33 | 10833.33 |
| 24 | 2027-12 | 862.22 | 28.89 | 833.33 | 10000.00 |
| 25 | 2028-01 | 860.00 | 26.67 | 833.33 | 9166.67 |
| 26 | 2028-02 | 857.78 | 24.44 | 833.33 | 8333.33 |
| 27 | 2028-03 | 855.56 | 22.22 | 833.33 | 7500.00 |
| 28 | 2028-04 | 853.33 | 20.00 | 833.33 | 6666.67 |
| 29 | 2028-05 | 851.11 | 17.78 | 833.33 | 5833.33 |
| 30 | 2028-06 | 848.89 | 15.56 | 833.33 | 5000.00 |
| 31 | 2028-07 | 846.67 | 13.33 | 833.33 | 4166.67 |
| 32 | 2028-08 | 844.44 | 11.11 | 833.33 | 3333.33 |
| 33 | 2028-09 | 842.22 | 8.89 | 833.33 | 2500.00 |
| 34 | 2028-10 | 840.00 | 6.67 | 833.33 | 1666.67 |
| 35 | 2028-11 | 837.78 | 4.44 | 833.33 | 833.33 |
| 36 | 2028-12 | 835.56 | 2.22 | 833.33 | 0.00 |