贷款2.6万（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：2.6万
还款月数：2年4个月
每月还款：966.06元
利息总额：1049.56元
本息合计：2.7万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 966.06 | 71.50 | 894.56 | 25105.44 |
| 2 | 2025-09 | 966.06 | 69.04 | 897.02 | 24208.43 |
| 3 | 2025-10 | 966.06 | 66.57 | 899.48 | 23308.95 |
| 4 | 2025-11 | 966.06 | 64.10 | 901.96 | 22406.99 |
| 5 | 2025-12 | 966.06 | 61.62 | 904.44 | 21502.55 |
| 6 | 2026-01 | 966.06 | 59.13 | 906.92 | 20595.63 |
| 7 | 2026-02 | 966.06 | 56.64 | 909.42 | 19686.21 |
| 8 | 2026-03 | 966.06 | 54.14 | 911.92 | 18774.29 |
| 9 | 2026-04 | 966.06 | 51.63 | 914.43 | 17859.87 |
| 10 | 2026-05 | 966.06 | 49.11 | 916.94 | 16942.93 |
| 11 | 2026-06 | 966.06 | 46.59 | 919.46 | 16023.46 |
| 12 | 2026-07 | 966.06 | 44.06 | 921.99 | 15101.47 |
| 13 | 2026-08 | 966.06 | 41.53 | 924.53 | 14176.94 |
| 14 | 2026-09 | 966.06 | 38.99 | 927.07 | 13249.88 |
| 15 | 2026-10 | 966.06 | 36.44 | 929.62 | 12320.26 |
| 16 | 2026-11 | 966.06 | 33.88 | 932.18 | 11388.08 |
| 17 | 2026-12 | 966.06 | 31.32 | 934.74 | 10453.34 |
| 18 | 2027-01 | 966.06 | 28.75 | 937.31 | 9516.03 |
| 19 | 2027-02 | 966.06 | 26.17 | 939.89 | 8576.15 |
| 20 | 2027-03 | 966.06 | 23.58 | 942.47 | 7633.68 |
| 21 | 2027-04 | 966.06 | 20.99 | 945.06 | 6688.61 |
| 22 | 2027-05 | 966.06 | 18.39 | 947.66 | 5740.95 |
| 23 | 2027-06 | 966.06 | 15.79 | 950.27 | 4790.68 |
| 24 | 2027-07 | 966.06 | 13.17 | 952.88 | 3837.80 |
| 25 | 2027-08 | 966.06 | 10.55 | 955.50 | 2882.30 |
| 26 | 2027-09 | 966.06 | 7.93 | 958.13 | 1924.17 |
| 27 | 2027-10 | 966.06 | 5.29 | 960.76 | 963.41 |
| 28 | 2027-11 | 966.06 | 2.65 | 963.41 | 0.00 |
等额本金还款方式：
贷款总额：2.6万
还款月数：2年4个月
首月还款：1000.07元
每月递减：2.55元
利息总额：1036.75元
本息合计：2.7万
节省利息：12.81元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 1000.07 | 71.50 | 928.57 | 25071.43 |
| 2 | 2025-09 | 997.52 | 68.95 | 928.57 | 24142.86 |
| 3 | 2025-10 | 994.96 | 66.39 | 928.57 | 23214.29 |
| 4 | 2025-11 | 992.41 | 63.84 | 928.57 | 22285.71 |
| 5 | 2025-12 | 989.86 | 61.29 | 928.57 | 21357.14 |
| 6 | 2026-01 | 987.30 | 58.73 | 928.57 | 20428.57 |
| 7 | 2026-02 | 984.75 | 56.18 | 928.57 | 19500.00 |
| 8 | 2026-03 | 982.20 | 53.63 | 928.57 | 18571.43 |
| 9 | 2026-04 | 979.64 | 51.07 | 928.57 | 17642.86 |
| 10 | 2026-05 | 977.09 | 48.52 | 928.57 | 16714.29 |
| 11 | 2026-06 | 974.54 | 45.96 | 928.57 | 15785.71 |
| 12 | 2026-07 | 971.98 | 43.41 | 928.57 | 14857.14 |
| 13 | 2026-08 | 969.43 | 40.86 | 928.57 | 13928.57 |
| 14 | 2026-09 | 966.88 | 38.30 | 928.57 | 13000.00 |
| 15 | 2026-10 | 964.32 | 35.75 | 928.57 | 12071.43 |
| 16 | 2026-11 | 961.77 | 33.20 | 928.57 | 11142.86 |
| 17 | 2026-12 | 959.21 | 30.64 | 928.57 | 10214.29 |
| 18 | 2027-01 | 956.66 | 28.09 | 928.57 | 9285.71 |
| 19 | 2027-02 | 954.11 | 25.54 | 928.57 | 8357.14 |
| 20 | 2027-03 | 951.55 | 22.98 | 928.57 | 7428.57 |
| 21 | 2027-04 | 949.00 | 20.43 | 928.57 | 6500.00 |
| 22 | 2027-05 | 946.45 | 17.88 | 928.57 | 5571.43 |
| 23 | 2027-06 | 943.89 | 15.32 | 928.57 | 4642.86 |
| 24 | 2027-07 | 941.34 | 12.77 | 928.57 | 3714.29 |
| 25 | 2027-08 | 938.79 | 10.21 | 928.57 | 2785.71 |
| 26 | 2027-09 | 936.23 | 7.66 | 928.57 | 1857.14 |
| 27 | 2027-10 | 933.68 | 5.11 | 928.57 | 928.57 |
| 28 | 2027-11 | 931.13 | 2.55 | 928.57 | 0.00 |