贷款8万（商业贷款）房贷，还款2年5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5个月
每月还款：2873.87元
利息总额：3342.29元
本息合计：8.33万
| 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 | 2873.87 | 220.00 | 2653.87 | 77346.13 |
| 2 | 2026-04 | 2873.87 | 212.70 | 2661.17 | 74684.96 |
| 3 | 2026-05 | 2873.87 | 205.38 | 2668.49 | 72016.47 |
| 4 | 2026-06 | 2873.87 | 198.05 | 2675.83 | 69340.64 |
| 5 | 2026-07 | 2873.87 | 190.69 | 2683.19 | 66657.46 |
| 6 | 2026-08 | 2873.87 | 183.31 | 2690.56 | 63966.89 |
| 7 | 2026-09 | 2873.87 | 175.91 | 2697.96 | 61268.93 |
| 8 | 2026-10 | 2873.87 | 168.49 | 2705.38 | 58563.55 |
| 9 | 2026-11 | 2873.87 | 161.05 | 2712.82 | 55850.73 |
| 10 | 2026-12 | 2873.87 | 153.59 | 2720.28 | 53130.44 |
| 11 | 2027-01 | 2873.87 | 146.11 | 2727.76 | 50402.68 |
| 12 | 2027-02 | 2873.87 | 138.61 | 2735.26 | 47667.42 |
| 13 | 2027-03 | 2873.87 | 131.09 | 2742.79 | 44924.63 |
| 14 | 2027-04 | 2873.87 | 123.54 | 2750.33 | 42174.30 |
| 15 | 2027-05 | 2873.87 | 115.98 | 2757.89 | 39416.41 |
| 16 | 2027-06 | 2873.87 | 108.40 | 2765.48 | 36650.93 |
| 17 | 2027-07 | 2873.87 | 100.79 | 2773.08 | 33877.85 |
| 18 | 2027-08 | 2873.87 | 93.16 | 2780.71 | 31097.14 |
| 19 | 2027-09 | 2873.87 | 85.52 | 2788.35 | 28308.79 |
| 20 | 2027-10 | 2873.87 | 77.85 | 2796.02 | 25512.76 |
| 21 | 2027-11 | 2873.87 | 70.16 | 2803.71 | 22709.05 |
| 22 | 2027-12 | 2873.87 | 62.45 | 2811.42 | 19897.63 |
| 23 | 2028-01 | 2873.87 | 54.72 | 2819.15 | 17078.48 |
| 24 | 2028-02 | 2873.87 | 46.97 | 2826.91 | 14251.57 |
| 25 | 2028-03 | 2873.87 | 39.19 | 2834.68 | 11416.89 |
| 26 | 2028-04 | 2873.87 | 31.40 | 2842.48 | 8574.41 |
| 27 | 2028-05 | 2873.87 | 23.58 | 2850.29 | 5724.12 |
| 28 | 2028-06 | 2873.87 | 15.74 | 2858.13 | 2865.99 |
| 29 | 2028-07 | 2873.87 | 7.88 | 2865.99 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：2年5个月
首月还款：2978.62元
每月递减：7.59元
利息总额：3300元
本息合计：8.33万
节省利息：42.29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 | 2978.62 | 220.00 | 2758.62 | 77241.38 |
| 2 | 2026-04 | 2971.03 | 212.41 | 2758.62 | 74482.76 |
| 3 | 2026-05 | 2963.45 | 204.83 | 2758.62 | 71724.14 |
| 4 | 2026-06 | 2955.86 | 197.24 | 2758.62 | 68965.52 |
| 5 | 2026-07 | 2948.28 | 189.66 | 2758.62 | 66206.90 |
| 6 | 2026-08 | 2940.69 | 182.07 | 2758.62 | 63448.28 |
| 7 | 2026-09 | 2933.10 | 174.48 | 2758.62 | 60689.66 |
| 8 | 2026-10 | 2925.52 | 166.90 | 2758.62 | 57931.03 |
| 9 | 2026-11 | 2917.93 | 159.31 | 2758.62 | 55172.41 |
| 10 | 2026-12 | 2910.34 | 151.72 | 2758.62 | 52413.79 |
| 11 | 2027-01 | 2902.76 | 144.14 | 2758.62 | 49655.17 |
| 12 | 2027-02 | 2895.17 | 136.55 | 2758.62 | 46896.55 |
| 13 | 2027-03 | 2887.59 | 128.97 | 2758.62 | 44137.93 |
| 14 | 2027-04 | 2880.00 | 121.38 | 2758.62 | 41379.31 |
| 15 | 2027-05 | 2872.41 | 113.79 | 2758.62 | 38620.69 |
| 16 | 2027-06 | 2864.83 | 106.21 | 2758.62 | 35862.07 |
| 17 | 2027-07 | 2857.24 | 98.62 | 2758.62 | 33103.45 |
| 18 | 2027-08 | 2849.66 | 91.03 | 2758.62 | 30344.83 |
| 19 | 2027-09 | 2842.07 | 83.45 | 2758.62 | 27586.21 |
| 20 | 2027-10 | 2834.48 | 75.86 | 2758.62 | 24827.59 |
| 21 | 2027-11 | 2826.90 | 68.28 | 2758.62 | 22068.97 |
| 22 | 2027-12 | 2819.31 | 60.69 | 2758.62 | 19310.34 |
| 23 | 2028-01 | 2811.72 | 53.10 | 2758.62 | 16551.72 |
| 24 | 2028-02 | 2804.14 | 45.52 | 2758.62 | 13793.10 |
| 25 | 2028-03 | 2796.55 | 37.93 | 2758.62 | 11034.48 |
| 26 | 2028-04 | 2788.97 | 30.34 | 2758.62 | 8275.86 |
| 27 | 2028-05 | 2781.38 | 22.76 | 2758.62 | 5517.24 |
| 28 | 2028-06 | 2773.79 | 15.17 | 2758.62 | 2758.62 |
| 29 | 2028-07 | 2766.21 | 7.59 | 2758.62 | 0.00 |