贷款6.24万（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：6.24万
还款月数：2年5个月
每月还款：2242.52元
利息总额：2608.03元
本息合计：6.5万
| 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 | 2242.52 | 171.67 | 2070.85 | 60354.15 |
| 2 | 2025-09 | 2242.52 | 165.97 | 2076.54 | 58277.61 |
| 3 | 2025-10 | 2242.52 | 160.26 | 2082.25 | 56195.35 |
| 4 | 2025-11 | 2242.52 | 154.54 | 2087.98 | 54107.37 |
| 5 | 2025-12 | 2242.52 | 148.80 | 2093.72 | 52013.65 |
| 6 | 2026-01 | 2242.52 | 143.04 | 2099.48 | 49914.17 |
| 7 | 2026-02 | 2242.52 | 137.26 | 2105.25 | 47808.91 |
| 8 | 2026-03 | 2242.52 | 131.47 | 2111.04 | 45697.87 |
| 9 | 2026-04 | 2242.52 | 125.67 | 2116.85 | 43581.02 |
| 10 | 2026-05 | 2242.52 | 119.85 | 2122.67 | 41458.35 |
| 11 | 2026-06 | 2242.52 | 114.01 | 2128.51 | 39329.84 |
| 12 | 2026-07 | 2242.52 | 108.16 | 2134.36 | 37195.48 |
| 13 | 2026-08 | 2242.52 | 102.29 | 2140.23 | 35055.25 |
| 14 | 2026-09 | 2242.52 | 96.40 | 2146.12 | 32909.13 |
| 15 | 2026-10 | 2242.52 | 90.50 | 2152.02 | 30757.12 |
| 16 | 2026-11 | 2242.52 | 84.58 | 2157.94 | 28599.18 |
| 17 | 2026-12 | 2242.52 | 78.65 | 2163.87 | 26435.31 |
| 18 | 2027-01 | 2242.52 | 72.70 | 2169.82 | 24265.49 |
| 19 | 2027-02 | 2242.52 | 66.73 | 2175.79 | 22089.70 |
| 20 | 2027-03 | 2242.52 | 60.75 | 2181.77 | 19907.93 |
| 21 | 2027-04 | 2242.52 | 54.75 | 2187.77 | 17720.16 |
| 22 | 2027-05 | 2242.52 | 48.73 | 2193.79 | 15526.37 |
| 23 | 2027-06 | 2242.52 | 42.70 | 2199.82 | 13326.55 |
| 24 | 2027-07 | 2242.52 | 36.65 | 2205.87 | 11120.68 |
| 25 | 2027-08 | 2242.52 | 30.58 | 2211.94 | 8908.74 |
| 26 | 2027-09 | 2242.52 | 24.50 | 2218.02 | 6690.72 |
| 27 | 2027-10 | 2242.52 | 18.40 | 2224.12 | 4466.60 |
| 28 | 2027-11 | 2242.52 | 12.28 | 2230.24 | 2236.37 |
| 29 | 2027-12 | 2242.52 | 6.15 | 2236.37 | 0.00 |
等额本金还款方式：
贷款总额：6.24万
还款月数：2年5个月
首月还款：2324.25元
每月递减：5.92元
利息总额：2575.03元
本息合计：6.5万
节省利息：33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 | 2324.25 | 171.67 | 2152.59 | 60272.41 |
| 2 | 2025-09 | 2318.34 | 165.75 | 2152.59 | 58119.83 |
| 3 | 2025-10 | 2312.42 | 159.83 | 2152.59 | 55967.24 |
| 4 | 2025-11 | 2306.50 | 153.91 | 2152.59 | 53814.66 |
| 5 | 2025-12 | 2300.58 | 147.99 | 2152.59 | 51662.07 |
| 6 | 2026-01 | 2294.66 | 142.07 | 2152.59 | 49509.48 |
| 7 | 2026-02 | 2288.74 | 136.15 | 2152.59 | 47356.90 |
| 8 | 2026-03 | 2282.82 | 130.23 | 2152.59 | 45204.31 |
| 9 | 2026-04 | 2276.90 | 124.31 | 2152.59 | 43051.72 |
| 10 | 2026-05 | 2270.98 | 118.39 | 2152.59 | 40899.14 |
| 11 | 2026-06 | 2265.06 | 112.47 | 2152.59 | 38746.55 |
| 12 | 2026-07 | 2259.14 | 106.55 | 2152.59 | 36593.97 |
| 13 | 2026-08 | 2253.22 | 100.63 | 2152.59 | 34441.38 |
| 14 | 2026-09 | 2247.30 | 94.71 | 2152.59 | 32288.79 |
| 15 | 2026-10 | 2241.38 | 88.79 | 2152.59 | 30136.21 |
| 16 | 2026-11 | 2235.46 | 82.87 | 2152.59 | 27983.62 |
| 17 | 2026-12 | 2229.54 | 76.95 | 2152.59 | 25831.03 |
| 18 | 2027-01 | 2223.62 | 71.04 | 2152.59 | 23678.45 |
| 19 | 2027-02 | 2217.70 | 65.12 | 2152.59 | 21525.86 |
| 20 | 2027-03 | 2211.78 | 59.20 | 2152.59 | 19373.28 |
| 21 | 2027-04 | 2205.86 | 53.28 | 2152.59 | 17220.69 |
| 22 | 2027-05 | 2199.94 | 47.36 | 2152.59 | 15068.10 |
| 23 | 2027-06 | 2194.02 | 41.44 | 2152.59 | 12915.52 |
| 24 | 2027-07 | 2188.10 | 35.52 | 2152.59 | 10762.93 |
| 25 | 2027-08 | 2182.18 | 29.60 | 2152.59 | 8610.34 |
| 26 | 2027-09 | 2176.26 | 23.68 | 2152.59 | 6457.76 |
| 27 | 2027-10 | 2170.35 | 17.76 | 2152.59 | 4305.17 |
| 28 | 2027-11 | 2164.43 | 11.84 | 2152.59 | 2152.59 |
| 29 | 2027-12 | 2158.51 | 5.92 | 2152.59 | 0.00 |