贷款8万（商业贷款）房贷，还款2年4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：8万
还款月数：2年4个月
每月还款：2972.48元
利息总额：3229.42元
本息合计：8.32万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 2972.48 | 220.00 | 2752.48 | 77247.52 |
| 2 | 2026-04 | 2972.48 | 212.43 | 2760.05 | 74487.47 |
| 3 | 2026-05 | 2972.48 | 204.84 | 2767.64 | 71719.83 |
| 4 | 2026-06 | 2972.48 | 197.23 | 2775.25 | 68944.58 |
| 5 | 2026-07 | 2972.48 | 189.60 | 2782.88 | 66161.70 |
| 6 | 2026-08 | 2972.48 | 181.94 | 2790.53 | 63371.17 |
| 7 | 2026-09 | 2972.48 | 174.27 | 2798.21 | 60572.96 |
| 8 | 2026-10 | 2972.48 | 166.58 | 2805.90 | 57767.06 |
| 9 | 2026-11 | 2972.48 | 158.86 | 2813.62 | 54953.44 |
| 10 | 2026-12 | 2972.48 | 151.12 | 2821.36 | 52132.08 |
| 11 | 2027-01 | 2972.48 | 143.36 | 2829.12 | 49302.96 |
| 12 | 2027-02 | 2972.48 | 135.58 | 2836.90 | 46466.07 |
| 13 | 2027-03 | 2972.48 | 127.78 | 2844.70 | 43621.37 |
| 14 | 2027-04 | 2972.48 | 119.96 | 2852.52 | 40768.85 |
| 15 | 2027-05 | 2972.48 | 112.11 | 2860.36 | 37908.48 |
| 16 | 2027-06 | 2972.48 | 104.25 | 2868.23 | 35040.25 |
| 17 | 2027-07 | 2972.48 | 96.36 | 2876.12 | 32164.13 |
| 18 | 2027-08 | 2972.48 | 88.45 | 2884.03 | 29280.11 |
| 19 | 2027-09 | 2972.48 | 80.52 | 2891.96 | 26388.15 |
| 20 | 2027-10 | 2972.48 | 72.57 | 2899.91 | 23488.24 |
| 21 | 2027-11 | 2972.48 | 64.59 | 2907.89 | 20580.35 |
| 22 | 2027-12 | 2972.48 | 56.60 | 2915.88 | 17664.47 |
| 23 | 2028-01 | 2972.48 | 48.58 | 2923.90 | 14740.56 |
| 24 | 2028-02 | 2972.48 | 40.54 | 2931.94 | 11808.62 |
| 25 | 2028-03 | 2972.48 | 32.47 | 2940.01 | 8868.62 |
| 26 | 2028-04 | 2972.48 | 24.39 | 2948.09 | 5920.53 |
| 27 | 2028-05 | 2972.48 | 16.28 | 2956.20 | 2964.33 |
| 28 | 2028-06 | 2972.48 | 8.15 | 2964.33 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：2年4个月
首月还款：3077.14元
每月递减：7.86元
利息总额：3190元
本息合计：8.32万
节省利息：39.42元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-03 | 3077.14 | 220.00 | 2857.14 | 77142.86 |
| 2 | 2026-04 | 3069.29 | 212.14 | 2857.14 | 74285.71 |
| 3 | 2026-05 | 3061.43 | 204.29 | 2857.14 | 71428.57 |
| 4 | 2026-06 | 3053.57 | 196.43 | 2857.14 | 68571.43 |
| 5 | 2026-07 | 3045.71 | 188.57 | 2857.14 | 65714.29 |
| 6 | 2026-08 | 3037.86 | 180.71 | 2857.14 | 62857.14 |
| 7 | 2026-09 | 3030.00 | 172.86 | 2857.14 | 60000.00 |
| 8 | 2026-10 | 3022.14 | 165.00 | 2857.14 | 57142.86 |
| 9 | 2026-11 | 3014.29 | 157.14 | 2857.14 | 54285.71 |
| 10 | 2026-12 | 3006.43 | 149.29 | 2857.14 | 51428.57 |
| 11 | 2027-01 | 2998.57 | 141.43 | 2857.14 | 48571.43 |
| 12 | 2027-02 | 2990.71 | 133.57 | 2857.14 | 45714.29 |
| 13 | 2027-03 | 2982.86 | 125.71 | 2857.14 | 42857.14 |
| 14 | 2027-04 | 2975.00 | 117.86 | 2857.14 | 40000.00 |
| 15 | 2027-05 | 2967.14 | 110.00 | 2857.14 | 37142.86 |
| 16 | 2027-06 | 2959.29 | 102.14 | 2857.14 | 34285.71 |
| 17 | 2027-07 | 2951.43 | 94.29 | 2857.14 | 31428.57 |
| 18 | 2027-08 | 2943.57 | 86.43 | 2857.14 | 28571.43 |
| 19 | 2027-09 | 2935.71 | 78.57 | 2857.14 | 25714.29 |
| 20 | 2027-10 | 2927.86 | 70.71 | 2857.14 | 22857.14 |
| 21 | 2027-11 | 2920.00 | 62.86 | 2857.14 | 20000.00 |
| 22 | 2027-12 | 2912.14 | 55.00 | 2857.14 | 17142.86 |
| 23 | 2028-01 | 2904.29 | 47.14 | 2857.14 | 14285.71 |
| 24 | 2028-02 | 2896.43 | 39.29 | 2857.14 | 11428.57 |
| 25 | 2028-03 | 2888.57 | 31.43 | 2857.14 | 8571.43 |
| 26 | 2028-04 | 2880.71 | 23.57 | 2857.14 | 5714.29 |
| 27 | 2028-05 | 2872.86 | 15.71 | 2857.14 | 2857.14 |
| 28 | 2028-06 | 2865.00 | 7.86 | 2857.14 | 0.00 |