解析：
贷款52万（商业贷款）的房贷，还款4年的等额本息和等额本金，两种还款方式明细说明。
方式一：等额本息还款方式：
贷款总额：52万
还款月数：4年
每月还款：12939.9元
利息总额：10.11万
本息合计：62.11万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 12939.90 | 3899.90 | 9040.00 | 510947.00 |
| 2 | 2024-12 | 12939.90 | 3832.10 | 9107.80 | 501839.21 |
| 3 | 2025-01 | 12939.90 | 3763.79 | 9176.10 | 492663.10 |
| 4 | 2025-02 | 12939.90 | 3694.97 | 9244.93 | 483418.18 |
| 5 | 2025-03 | 12939.90 | 3625.64 | 9314.26 | 474103.92 |
| 6 | 2025-04 | 12939.90 | 3555.78 | 9384.12 | 464719.80 |
| 7 | 2025-05 | 12939.90 | 3485.40 | 9454.50 | 455265.30 |
| 8 | 2025-06 | 12939.90 | 3414.49 | 9525.41 | 445739.89 |
| 9 | 2025-07 | 12939.90 | 3343.05 | 9596.85 | 436143.04 |
| 10 | 2025-08 | 12939.90 | 3271.07 | 9668.83 | 426474.21 |
| 11 | 2025-09 | 12939.90 | 3198.56 | 9741.34 | 416732.87 |
| 12 | 2025-10 | 12939.90 | 3125.50 | 9814.40 | 406918.47 |
| 13 | 2025-11 | 12939.90 | 3051.89 | 9888.01 | 397030.46 |
| 14 | 2025-12 | 12939.90 | 2977.73 | 9962.17 | 387068.29 |
| 15 | 2026-01 | 12939.90 | 2903.01 | 10036.89 | 377031.40 |
| 16 | 2026-02 | 12939.90 | 2827.74 | 10112.16 | 366919.24 |
| 17 | 2026-03 | 12939.90 | 2751.89 | 10188.00 | 356731.24 |
| 18 | 2026-04 | 12939.90 | 2675.48 | 10264.41 | 346466.82 |
| 19 | 2026-05 | 12939.90 | 2598.50 | 10341.40 | 336125.42 |
| 20 | 2026-06 | 12939.90 | 2520.94 | 10418.96 | 325706.47 |
| 21 | 2026-07 | 12939.90 | 2442.80 | 10497.10 | 315209.37 |
| 22 | 2026-08 | 12939.90 | 2364.07 | 10575.83 | 304633.54 |
| 23 | 2026-09 | 12939.90 | 2284.75 | 10655.15 | 293978.39 |
| 24 | 2026-10 | 12939.90 | 2204.84 | 10735.06 | 283243.33 |
| 25 | 2026-11 | 12939.90 | 2124.32 | 10815.57 | 272427.76 |
| 26 | 2026-12 | 12939.90 | 2043.21 | 10896.69 | 261531.07 |
| 27 | 2027-01 | 12939.90 | 1961.48 | 10978.42 | 250552.65 |
| 28 | 2027-02 | 12939.90 | 1879.14 | 11060.75 | 239491.90 |
| 29 | 2027-03 | 12939.90 | 1796.19 | 11143.71 | 228348.19 |
| 30 | 2027-04 | 12939.90 | 1712.61 | 11227.29 | 217120.90 |
| 31 | 2027-05 | 12939.90 | 1628.41 | 11311.49 | 205809.41 |
| 32 | 2027-06 | 12939.90 | 1543.57 | 11396.33 | 194413.08 |
| 33 | 2027-07 | 12939.90 | 1458.10 | 11481.80 | 182931.28 |
| 34 | 2027-08 | 12939.90 | 1371.98 | 11567.91 | 171363.37 |
| 35 | 2027-09 | 12939.90 | 1285.23 | 11654.67 | 159708.69 |
| 36 | 2027-10 | 12939.90 | 1197.82 | 11742.08 | 147966.61 |
| 37 | 2027-11 | 12939.90 | 1109.75 | 11830.15 | 136136.46 |
| 38 | 2027-12 | 12939.90 | 1021.02 | 11918.88 | 124217.59 |
| 39 | 2028-01 | 12939.90 | 931.63 | 12008.27 | 112209.32 |
| 40 | 2028-02 | 12939.90 | 841.57 | 12098.33 | 100110.99 |
| 41 | 2028-03 | 12939.90 | 750.83 | 12189.07 | 87921.92 |
| 42 | 2028-04 | 12939.90 | 659.41 | 12280.48 | 75641.44 |
| 43 | 2028-05 | 12939.90 | 567.31 | 12372.59 | 63268.85 |
| 44 | 2028-06 | 12939.90 | 474.52 | 12465.38 | 50803.47 |
| 45 | 2028-07 | 12939.90 | 381.03 | 12558.87 | 38244.60 |
| 46 | 2028-08 | 12939.90 | 286.83 | 12653.06 | 25591.53 |
| 47 | 2028-09 | 12939.90 | 191.94 | 12747.96 | 12843.57 |
| 48 | 2028-10 | 12939.90 | 96.33 | 12843.57 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：52万
还款月数：4年
首月还款：14732.97元
每月递减：81.25元
利息总额：9.55万
本息合计：61.55万
节省利息：5580.52元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 14732.97 | 3899.90 | 10833.06 | 509153.94 |
| 2 | 2024-12 | 14651.72 | 3818.65 | 10833.06 | 498320.88 |
| 3 | 2025-01 | 14570.47 | 3737.41 | 10833.06 | 487487.81 |
| 4 | 2025-02 | 14489.22 | 3656.16 | 10833.06 | 476654.75 |
| 5 | 2025-03 | 14407.97 | 3574.91 | 10833.06 | 465821.69 |
| 6 | 2025-04 | 14326.73 | 3493.66 | 10833.06 | 454988.63 |
| 7 | 2025-05 | 14245.48 | 3412.41 | 10833.06 | 444155.56 |
| 8 | 2025-06 | 14164.23 | 3331.17 | 10833.06 | 433322.50 |
| 9 | 2025-07 | 14082.98 | 3249.92 | 10833.06 | 422489.44 |
| 10 | 2025-08 | 14001.73 | 3168.67 | 10833.06 | 411656.38 |
| 11 | 2025-09 | 13920.49 | 3087.42 | 10833.06 | 400823.31 |
| 12 | 2025-10 | 13839.24 | 3006.17 | 10833.06 | 389990.25 |
| 13 | 2025-11 | 13757.99 | 2924.93 | 10833.06 | 379157.19 |
| 14 | 2025-12 | 13676.74 | 2843.68 | 10833.06 | 368324.13 |
| 15 | 2026-01 | 13595.49 | 2762.43 | 10833.06 | 357491.06 |
| 16 | 2026-02 | 13514.25 | 2681.18 | 10833.06 | 346658.00 |
| 17 | 2026-03 | 13433.00 | 2599.93 | 10833.06 | 335824.94 |
| 18 | 2026-04 | 13351.75 | 2518.69 | 10833.06 | 324991.88 |
| 19 | 2026-05 | 13270.50 | 2437.44 | 10833.06 | 314158.81 |
| 20 | 2026-06 | 13189.25 | 2356.19 | 10833.06 | 303325.75 |
| 21 | 2026-07 | 13108.01 | 2274.94 | 10833.06 | 292492.69 |
| 22 | 2026-08 | 13026.76 | 2193.70 | 10833.06 | 281659.63 |
| 23 | 2026-09 | 12945.51 | 2112.45 | 10833.06 | 270826.56 |
| 24 | 2026-10 | 12864.26 | 2031.20 | 10833.06 | 259993.50 |
| 25 | 2026-11 | 12783.01 | 1949.95 | 10833.06 | 249160.44 |
| 26 | 2026-12 | 12701.77 | 1868.70 | 10833.06 | 238327.38 |
| 27 | 2027-01 | 12620.52 | 1787.46 | 10833.06 | 227494.31 |
| 28 | 2027-02 | 12539.27 | 1706.21 | 10833.06 | 216661.25 |
| 29 | 2027-03 | 12458.02 | 1624.96 | 10833.06 | 205828.19 |
| 30 | 2027-04 | 12376.77 | 1543.71 | 10833.06 | 194995.13 |
| 31 | 2027-05 | 12295.53 | 1462.46 | 10833.06 | 184162.06 |
| 32 | 2027-06 | 12214.28 | 1381.22 | 10833.06 | 173329.00 |
| 33 | 2027-07 | 12133.03 | 1299.97 | 10833.06 | 162495.94 |
| 34 | 2027-08 | 12051.78 | 1218.72 | 10833.06 | 151662.88 |
| 35 | 2027-09 | 11970.53 | 1137.47 | 10833.06 | 140829.81 |
| 36 | 2027-10 | 11889.29 | 1056.22 | 10833.06 | 129996.75 |
| 37 | 2027-11 | 11808.04 | 974.98 | 10833.06 | 119163.69 |
| 38 | 2027-12 | 11726.79 | 893.73 | 10833.06 | 108330.63 |
| 39 | 2028-01 | 11645.54 | 812.48 | 10833.06 | 97497.56 |
| 40 | 2028-02 | 11564.29 | 731.23 | 10833.06 | 86664.50 |
| 41 | 2028-03 | 11483.05 | 649.98 | 10833.06 | 75831.44 |
| 42 | 2028-04 | 11401.80 | 568.74 | 10833.06 | 64998.38 |
| 43 | 2028-05 | 11320.55 | 487.49 | 10833.06 | 54165.31 |
| 44 | 2028-06 | 11239.30 | 406.24 | 10833.06 | 43332.25 |
| 45 | 2028-07 | 11158.05 | 324.99 | 10833.06 | 32499.19 |
| 46 | 2028-08 | 11076.81 | 243.74 | 10833.06 | 21666.13 |
| 47 | 2028-09 | 10995.56 | 162.50 | 10833.06 | 10833.06 |
| 48 | 2028-10 | 10914.31 | 81.25 | 10833.06 | 0.00 |
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