贷款8万（商业贷款）房贷，还款2年6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6个月
每月还款：2781.84元
利息总额：3455.26元
本息合计：8.35万
| 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 | 2781.84 | 220.00 | 2561.84 | 77438.16 |
| 2 | 2026-04 | 2781.84 | 212.95 | 2568.89 | 74869.27 |
| 3 | 2026-05 | 2781.84 | 205.89 | 2575.95 | 72293.32 |
| 4 | 2026-06 | 2781.84 | 198.81 | 2583.04 | 69710.28 |
| 5 | 2026-07 | 2781.84 | 191.70 | 2590.14 | 67120.15 |
| 6 | 2026-08 | 2781.84 | 184.58 | 2597.26 | 64522.88 |
| 7 | 2026-09 | 2781.84 | 177.44 | 2604.40 | 61918.48 |
| 8 | 2026-10 | 2781.84 | 170.28 | 2611.57 | 59306.91 |
| 9 | 2026-11 | 2781.84 | 163.09 | 2618.75 | 56688.17 |
| 10 | 2026-12 | 2781.84 | 155.89 | 2625.95 | 54062.22 |
| 11 | 2027-01 | 2781.84 | 148.67 | 2633.17 | 51429.05 |
| 12 | 2027-02 | 2781.84 | 141.43 | 2640.41 | 48788.63 |
| 13 | 2027-03 | 2781.84 | 134.17 | 2647.67 | 46140.96 |
| 14 | 2027-04 | 2781.84 | 126.89 | 2654.95 | 43486.01 |
| 15 | 2027-05 | 2781.84 | 119.59 | 2662.26 | 40823.75 |
| 16 | 2027-06 | 2781.84 | 112.27 | 2669.58 | 38154.17 |
| 17 | 2027-07 | 2781.84 | 104.92 | 2676.92 | 35477.26 |
| 18 | 2027-08 | 2781.84 | 97.56 | 2684.28 | 32792.98 |
| 19 | 2027-09 | 2781.84 | 90.18 | 2691.66 | 30101.32 |
| 20 | 2027-10 | 2781.84 | 82.78 | 2699.06 | 27402.25 |
| 21 | 2027-11 | 2781.84 | 75.36 | 2706.49 | 24695.77 |
| 22 | 2027-12 | 2781.84 | 67.91 | 2713.93 | 21981.84 |
| 23 | 2028-01 | 2781.84 | 60.45 | 2721.39 | 19260.45 |
| 24 | 2028-02 | 2781.84 | 52.97 | 2728.88 | 16531.57 |
| 25 | 2028-03 | 2781.84 | 45.46 | 2736.38 | 13795.19 |
| 26 | 2028-04 | 2781.84 | 37.94 | 2743.91 | 11051.29 |
| 27 | 2028-05 | 2781.84 | 30.39 | 2751.45 | 8299.83 |
| 28 | 2028-06 | 2781.84 | 22.82 | 2759.02 | 5540.82 |
| 29 | 2028-07 | 2781.84 | 15.24 | 2766.60 | 2774.21 |
| 30 | 2028-08 | 2781.84 | 7.63 | 2774.21 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：2年6个月
首月还款：2886.67元
每月递减：7.33元
利息总额：3410元
本息合计：8.34万
节省利息：45.26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 | 2886.67 | 220.00 | 2666.67 | 77333.33 |
| 2 | 2026-04 | 2879.33 | 212.67 | 2666.67 | 74666.67 |
| 3 | 2026-05 | 2872.00 | 205.33 | 2666.67 | 72000.00 |
| 4 | 2026-06 | 2864.67 | 198.00 | 2666.67 | 69333.33 |
| 5 | 2026-07 | 2857.33 | 190.67 | 2666.67 | 66666.67 |
| 6 | 2026-08 | 2850.00 | 183.33 | 2666.67 | 64000.00 |
| 7 | 2026-09 | 2842.67 | 176.00 | 2666.67 | 61333.33 |
| 8 | 2026-10 | 2835.33 | 168.67 | 2666.67 | 58666.67 |
| 9 | 2026-11 | 2828.00 | 161.33 | 2666.67 | 56000.00 |
| 10 | 2026-12 | 2820.67 | 154.00 | 2666.67 | 53333.33 |
| 11 | 2027-01 | 2813.33 | 146.67 | 2666.67 | 50666.67 |
| 12 | 2027-02 | 2806.00 | 139.33 | 2666.67 | 48000.00 |
| 13 | 2027-03 | 2798.67 | 132.00 | 2666.67 | 45333.33 |
| 14 | 2027-04 | 2791.33 | 124.67 | 2666.67 | 42666.67 |
| 15 | 2027-05 | 2784.00 | 117.33 | 2666.67 | 40000.00 |
| 16 | 2027-06 | 2776.67 | 110.00 | 2666.67 | 37333.33 |
| 17 | 2027-07 | 2769.33 | 102.67 | 2666.67 | 34666.67 |
| 18 | 2027-08 | 2762.00 | 95.33 | 2666.67 | 32000.00 |
| 19 | 2027-09 | 2754.67 | 88.00 | 2666.67 | 29333.33 |
| 20 | 2027-10 | 2747.33 | 80.67 | 2666.67 | 26666.67 |
| 21 | 2027-11 | 2740.00 | 73.33 | 2666.67 | 24000.00 |
| 22 | 2027-12 | 2732.67 | 66.00 | 2666.67 | 21333.33 |
| 23 | 2028-01 | 2725.33 | 58.67 | 2666.67 | 18666.67 |
| 24 | 2028-02 | 2718.00 | 51.33 | 2666.67 | 16000.00 |
| 25 | 2028-03 | 2710.67 | 44.00 | 2666.67 | 13333.33 |
| 26 | 2028-04 | 2703.33 | 36.67 | 2666.67 | 10666.67 |
| 27 | 2028-05 | 2696.00 | 29.33 | 2666.67 | 8000.00 |
| 28 | 2028-06 | 2688.67 | 22.00 | 2666.67 | 5333.33 |
| 29 | 2028-07 | 2681.33 | 14.67 | 2666.67 | 2666.67 |
| 30 | 2028-08 | 2674.00 | 7.33 | 2666.67 | 0.00 |