贷款8000元（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：8000元
还款月数：3年
每月还款：233.36元
利息总额：400.8元
本息合计：8400.8元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 233.36 | 21.33 | 212.02 | 7787.98 |
| 2 | 2025-06 | 233.36 | 20.77 | 212.59 | 7575.39 |
| 3 | 2025-07 | 233.36 | 20.20 | 213.15 | 7362.24 |
| 4 | 2025-08 | 233.36 | 19.63 | 213.72 | 7148.51 |
| 5 | 2025-09 | 233.36 | 19.06 | 214.29 | 6934.22 |
| 6 | 2025-10 | 233.36 | 18.49 | 214.86 | 6719.36 |
| 7 | 2025-11 | 233.36 | 17.92 | 215.44 | 6503.92 |
| 8 | 2025-12 | 233.36 | 17.34 | 216.01 | 6287.91 |
| 9 | 2026-01 | 233.36 | 16.77 | 216.59 | 6071.32 |
| 10 | 2026-02 | 233.36 | 16.19 | 217.17 | 5854.15 |
| 11 | 2026-03 | 233.36 | 15.61 | 217.74 | 5636.41 |
| 12 | 2026-04 | 233.36 | 15.03 | 218.33 | 5418.08 |
| 13 | 2026-05 | 233.36 | 14.45 | 218.91 | 5199.18 |
| 14 | 2026-06 | 233.36 | 13.86 | 219.49 | 4979.69 |
| 15 | 2026-07 | 233.36 | 13.28 | 220.08 | 4759.61 |
| 16 | 2026-08 | 233.36 | 12.69 | 220.66 | 4538.95 |
| 17 | 2026-09 | 233.36 | 12.10 | 221.25 | 4317.70 |
| 18 | 2026-10 | 233.36 | 11.51 | 221.84 | 4095.85 |
| 19 | 2026-11 | 233.36 | 10.92 | 222.43 | 3873.42 |
| 20 | 2026-12 | 233.36 | 10.33 | 223.03 | 3650.39 |
| 21 | 2027-01 | 233.36 | 9.73 | 223.62 | 3426.77 |
| 22 | 2027-02 | 233.36 | 9.14 | 224.22 | 3202.56 |
| 23 | 2027-03 | 233.36 | 8.54 | 224.82 | 2977.74 |
| 24 | 2027-04 | 233.36 | 7.94 | 225.41 | 2752.33 |
| 25 | 2027-05 | 233.36 | 7.34 | 226.02 | 2526.31 |
| 26 | 2027-06 | 233.36 | 6.74 | 226.62 | 2299.69 |
| 27 | 2027-07 | 233.36 | 6.13 | 227.22 | 2072.47 |
| 28 | 2027-08 | 233.36 | 5.53 | 227.83 | 1844.64 |
| 29 | 2027-09 | 233.36 | 4.92 | 228.44 | 1616.20 |
| 30 | 2027-10 | 233.36 | 4.31 | 229.05 | 1387.16 |
| 31 | 2027-11 | 233.36 | 3.70 | 229.66 | 1157.50 |
| 32 | 2027-12 | 233.36 | 3.09 | 230.27 | 927.23 |
| 33 | 2028-01 | 233.36 | 2.47 | 230.88 | 696.35 |
| 34 | 2028-02 | 233.36 | 1.86 | 231.50 | 464.85 |
| 35 | 2028-03 | 233.36 | 1.24 | 232.12 | 232.73 |
| 36 | 2028-04 | 233.36 | 0.62 | 232.73 | 0.00 |
等额本金还款方式：
贷款总额：8000元
还款月数：3年
首月还款：243.56元
每月递减：0.59元
利息总额：394.67元
本息合计：8394.67元
节省利息：6.13元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 243.56 | 21.33 | 222.22 | 7777.78 |
| 2 | 2025-06 | 242.96 | 20.74 | 222.22 | 7555.56 |
| 3 | 2025-07 | 242.37 | 20.15 | 222.22 | 7333.33 |
| 4 | 2025-08 | 241.78 | 19.56 | 222.22 | 7111.11 |
| 5 | 2025-09 | 241.19 | 18.96 | 222.22 | 6888.89 |
| 6 | 2025-10 | 240.59 | 18.37 | 222.22 | 6666.67 |
| 7 | 2025-11 | 240.00 | 17.78 | 222.22 | 6444.44 |
| 8 | 2025-12 | 239.41 | 17.19 | 222.22 | 6222.22 |
| 9 | 2026-01 | 238.81 | 16.59 | 222.22 | 6000.00 |
| 10 | 2026-02 | 238.22 | 16.00 | 222.22 | 5777.78 |
| 11 | 2026-03 | 237.63 | 15.41 | 222.22 | 5555.56 |
| 12 | 2026-04 | 237.04 | 14.81 | 222.22 | 5333.33 |
| 13 | 2026-05 | 236.44 | 14.22 | 222.22 | 5111.11 |
| 14 | 2026-06 | 235.85 | 13.63 | 222.22 | 4888.89 |
| 15 | 2026-07 | 235.26 | 13.04 | 222.22 | 4666.67 |
| 16 | 2026-08 | 234.67 | 12.44 | 222.22 | 4444.44 |
| 17 | 2026-09 | 234.07 | 11.85 | 222.22 | 4222.22 |
| 18 | 2026-10 | 233.48 | 11.26 | 222.22 | 4000.00 |
| 19 | 2026-11 | 232.89 | 10.67 | 222.22 | 3777.78 |
| 20 | 2026-12 | 232.30 | 10.07 | 222.22 | 3555.56 |
| 21 | 2027-01 | 231.70 | 9.48 | 222.22 | 3333.33 |
| 22 | 2027-02 | 231.11 | 8.89 | 222.22 | 3111.11 |
| 23 | 2027-03 | 230.52 | 8.30 | 222.22 | 2888.89 |
| 24 | 2027-04 | 229.93 | 7.70 | 222.22 | 2666.67 |
| 25 | 2027-05 | 229.33 | 7.11 | 222.22 | 2444.44 |
| 26 | 2027-06 | 228.74 | 6.52 | 222.22 | 2222.22 |
| 27 | 2027-07 | 228.15 | 5.93 | 222.22 | 2000.00 |
| 28 | 2027-08 | 227.56 | 5.33 | 222.22 | 1777.78 |
| 29 | 2027-09 | 226.96 | 4.74 | 222.22 | 1555.56 |
| 30 | 2027-10 | 226.37 | 4.15 | 222.22 | 1333.33 |
| 31 | 2027-11 | 225.78 | 3.56 | 222.22 | 1111.11 |
| 32 | 2027-12 | 225.19 | 2.96 | 222.22 | 888.89 |
| 33 | 2028-01 | 224.59 | 2.37 | 222.22 | 666.67 |
| 34 | 2028-02 | 224.00 | 1.78 | 222.22 | 444.44 |
| 35 | 2028-03 | 223.41 | 1.19 | 222.22 | 222.22 |
| 36 | 2028-04 | 222.81 | 0.59 | 222.22 | 0.00 |