贷款236元（商业贷款）房贷，还款3年1个月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：236元
还款月数：3年1个月
每月还款：6.82元
利息总额：16.41元
本息合计：252.41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 | 6.82 | 0.85 | 5.98 | 230.02 |
| 2 | 2025-04 | 6.82 | 0.82 | 6.00 | 224.03 |
| 3 | 2025-05 | 6.82 | 0.80 | 6.02 | 218.01 |
| 4 | 2025-06 | 6.82 | 0.78 | 6.04 | 211.97 |
| 5 | 2025-07 | 6.82 | 0.76 | 6.06 | 205.90 |
| 6 | 2025-08 | 6.82 | 0.74 | 6.08 | 199.82 |
| 7 | 2025-09 | 6.82 | 0.72 | 6.11 | 193.71 |
| 8 | 2025-10 | 6.82 | 0.69 | 6.13 | 187.59 |
| 9 | 2025-11 | 6.82 | 0.67 | 6.15 | 181.44 |
| 10 | 2025-12 | 6.82 | 0.65 | 6.17 | 175.26 |
| 11 | 2026-01 | 6.82 | 0.63 | 6.19 | 169.07 |
| 12 | 2026-02 | 6.82 | 0.61 | 6.22 | 162.85 |
| 13 | 2026-03 | 6.82 | 0.58 | 6.24 | 156.62 |
| 14 | 2026-04 | 6.82 | 0.56 | 6.26 | 150.35 |
| 15 | 2026-05 | 6.82 | 0.54 | 6.28 | 144.07 |
| 16 | 2026-06 | 6.82 | 0.52 | 6.31 | 137.77 |
| 17 | 2026-07 | 6.82 | 0.49 | 6.33 | 131.44 |
| 18 | 2026-08 | 6.82 | 0.47 | 6.35 | 125.09 |
| 19 | 2026-09 | 6.82 | 0.45 | 6.37 | 118.71 |
| 20 | 2026-10 | 6.82 | 0.43 | 6.40 | 112.32 |
| 21 | 2026-11 | 6.82 | 0.40 | 6.42 | 105.90 |
| 22 | 2026-12 | 6.82 | 0.38 | 6.44 | 99.45 |
| 23 | 2027-01 | 6.82 | 0.36 | 6.47 | 92.99 |
| 24 | 2027-02 | 6.82 | 0.33 | 6.49 | 86.50 |
| 25 | 2027-03 | 6.82 | 0.31 | 6.51 | 79.99 |
| 26 | 2027-04 | 6.82 | 0.29 | 6.54 | 73.45 |
| 27 | 2027-05 | 6.82 | 0.26 | 6.56 | 66.89 |
| 28 | 2027-06 | 6.82 | 0.24 | 6.58 | 60.31 |
| 29 | 2027-07 | 6.82 | 0.22 | 6.61 | 53.71 |
| 30 | 2027-08 | 6.82 | 0.19 | 6.63 | 47.08 |
| 31 | 2027-09 | 6.82 | 0.17 | 6.65 | 40.42 |
| 32 | 2027-10 | 6.82 | 0.14 | 6.68 | 33.75 |
| 33 | 2027-11 | 6.82 | 0.12 | 6.70 | 27.05 |
| 34 | 2027-12 | 6.82 | 0.10 | 6.73 | 20.32 |
| 35 | 2028-01 | 6.82 | 0.07 | 6.75 | 13.57 |
| 36 | 2028-02 | 6.82 | 0.05 | 6.77 | 6.80 |
| 37 | 2028-03 | 6.82 | 0.02 | 6.80 | 0.00 |
等额本金还款方式：
贷款总额：236元
还款月数：3年1个月
首月还款：7.22元
每月递减：0.02元
利息总额：16.07元
本息合计：252.07元
节省利息：0.34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 | 7.22 | 0.85 | 6.38 | 229.62 |
| 2 | 2025-04 | 7.20 | 0.82 | 6.38 | 223.24 |
| 3 | 2025-05 | 7.18 | 0.80 | 6.38 | 216.86 |
| 4 | 2025-06 | 7.16 | 0.78 | 6.38 | 210.49 |
| 5 | 2025-07 | 7.13 | 0.75 | 6.38 | 204.11 |
| 6 | 2025-08 | 7.11 | 0.73 | 6.38 | 197.73 |
| 7 | 2025-09 | 7.09 | 0.71 | 6.38 | 191.35 |
| 8 | 2025-10 | 7.06 | 0.69 | 6.38 | 184.97 |
| 9 | 2025-11 | 7.04 | 0.66 | 6.38 | 178.59 |
| 10 | 2025-12 | 7.02 | 0.64 | 6.38 | 172.22 |
| 11 | 2026-01 | 7.00 | 0.62 | 6.38 | 165.84 |
| 12 | 2026-02 | 6.97 | 0.59 | 6.38 | 159.46 |
| 13 | 2026-03 | 6.95 | 0.57 | 6.38 | 153.08 |
| 14 | 2026-04 | 6.93 | 0.55 | 6.38 | 146.70 |
| 15 | 2026-05 | 6.90 | 0.53 | 6.38 | 140.32 |
| 16 | 2026-06 | 6.88 | 0.50 | 6.38 | 133.95 |
| 17 | 2026-07 | 6.86 | 0.48 | 6.38 | 127.57 |
| 18 | 2026-08 | 6.84 | 0.46 | 6.38 | 121.19 |
| 19 | 2026-09 | 6.81 | 0.43 | 6.38 | 114.81 |
| 20 | 2026-10 | 6.79 | 0.41 | 6.38 | 108.43 |
| 21 | 2026-11 | 6.77 | 0.39 | 6.38 | 102.05 |
| 22 | 2026-12 | 6.74 | 0.37 | 6.38 | 95.68 |
| 23 | 2027-01 | 6.72 | 0.34 | 6.38 | 89.30 |
| 24 | 2027-02 | 6.70 | 0.32 | 6.38 | 82.92 |
| 25 | 2027-03 | 6.68 | 0.30 | 6.38 | 76.54 |
| 26 | 2027-04 | 6.65 | 0.27 | 6.38 | 70.16 |
| 27 | 2027-05 | 6.63 | 0.25 | 6.38 | 63.78 |
| 28 | 2027-06 | 6.61 | 0.23 | 6.38 | 57.41 |
| 29 | 2027-07 | 6.58 | 0.21 | 6.38 | 51.03 |
| 30 | 2027-08 | 6.56 | 0.18 | 6.38 | 44.65 |
| 31 | 2027-09 | 6.54 | 0.16 | 6.38 | 38.27 |
| 32 | 2027-10 | 6.52 | 0.14 | 6.38 | 31.89 |
| 33 | 2027-11 | 6.49 | 0.11 | 6.38 | 25.51 |
| 34 | 2027-12 | 6.47 | 0.09 | 6.38 | 19.14 |
| 35 | 2028-01 | 6.45 | 0.07 | 6.38 | 12.76 |
| 36 | 2028-02 | 6.42 | 0.05 | 6.38 | 6.38 |
| 37 | 2028-03 | 6.40 | 0.02 | 6.38 | 0.00 |