贷款90元（商业贷款）房贷，还款8年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：90元
还款月数：8年
每月还款：1.11元
利息总额：16.12元
本息合计：106.12元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 1.11 | 0.32 | 0.79 | 89.21 |
| 2 | 2024-05 | 1.11 | 0.31 | 0.79 | 88.42 |
| 3 | 2024-06 | 1.11 | 0.31 | 0.80 | 87.62 |
| 4 | 2024-07 | 1.11 | 0.31 | 0.80 | 86.82 |
| 5 | 2024-08 | 1.11 | 0.30 | 0.80 | 86.02 |
| 6 | 2024-09 | 1.11 | 0.30 | 0.80 | 85.22 |
| 7 | 2024-10 | 1.11 | 0.30 | 0.81 | 84.41 |
| 8 | 2024-11 | 1.11 | 0.30 | 0.81 | 83.60 |
| 9 | 2024-12 | 1.11 | 0.29 | 0.81 | 82.79 |
| 10 | 2025-01 | 1.11 | 0.29 | 0.82 | 81.97 |
| 11 | 2025-02 | 1.11 | 0.29 | 0.82 | 81.15 |
| 12 | 2025-03 | 1.11 | 0.28 | 0.82 | 80.33 |
| 13 | 2025-04 | 1.11 | 0.28 | 0.82 | 79.51 |
| 14 | 2025-05 | 1.11 | 0.28 | 0.83 | 78.68 |
| 15 | 2025-06 | 1.11 | 0.28 | 0.83 | 77.85 |
| 16 | 2025-07 | 1.11 | 0.27 | 0.83 | 77.02 |
| 17 | 2025-08 | 1.11 | 0.27 | 0.84 | 76.18 |
| 18 | 2025-09 | 1.11 | 0.27 | 0.84 | 75.34 |
| 19 | 2025-10 | 1.11 | 0.26 | 0.84 | 74.50 |
| 20 | 2025-11 | 1.11 | 0.26 | 0.84 | 73.65 |
| 21 | 2025-12 | 1.11 | 0.26 | 0.85 | 72.81 |
| 22 | 2026-01 | 1.11 | 0.25 | 0.85 | 71.96 |
| 23 | 2026-02 | 1.11 | 0.25 | 0.85 | 71.10 |
| 24 | 2026-03 | 1.11 | 0.25 | 0.86 | 70.25 |
| 25 | 2026-04 | 1.11 | 0.25 | 0.86 | 69.39 |
| 26 | 2026-05 | 1.11 | 0.24 | 0.86 | 68.52 |
| 27 | 2026-06 | 1.11 | 0.24 | 0.87 | 67.66 |
| 28 | 2026-07 | 1.11 | 0.24 | 0.87 | 66.79 |
| 29 | 2026-08 | 1.11 | 0.23 | 0.87 | 65.92 |
| 30 | 2026-09 | 1.11 | 0.23 | 0.87 | 65.04 |
| 31 | 2026-10 | 1.11 | 0.23 | 0.88 | 64.17 |
| 32 | 2026-11 | 1.11 | 0.22 | 0.88 | 63.28 |
| 33 | 2026-12 | 1.11 | 0.22 | 0.88 | 62.40 |
| 34 | 2027-01 | 1.11 | 0.22 | 0.89 | 61.51 |
| 35 | 2027-02 | 1.11 | 0.22 | 0.89 | 60.62 |
| 36 | 2027-03 | 1.11 | 0.21 | 0.89 | 59.73 |
| 37 | 2027-04 | 1.11 | 0.21 | 0.90 | 58.83 |
| 38 | 2027-05 | 1.11 | 0.21 | 0.90 | 57.93 |
| 39 | 2027-06 | 1.11 | 0.20 | 0.90 | 57.03 |
| 40 | 2027-07 | 1.11 | 0.20 | 0.91 | 56.13 |
| 41 | 2027-08 | 1.11 | 0.20 | 0.91 | 55.22 |
| 42 | 2027-09 | 1.11 | 0.19 | 0.91 | 54.31 |
| 43 | 2027-10 | 1.11 | 0.19 | 0.92 | 53.39 |
| 44 | 2027-11 | 1.11 | 0.19 | 0.92 | 52.47 |
| 45 | 2027-12 | 1.11 | 0.18 | 0.92 | 51.55 |
| 46 | 2028-01 | 1.11 | 0.18 | 0.93 | 50.62 |
| 47 | 2028-02 | 1.11 | 0.18 | 0.93 | 49.70 |
| 48 | 2028-03 | 1.11 | 0.17 | 0.93 | 48.76 |
| 49 | 2028-04 | 1.11 | 0.17 | 0.93 | 47.83 |
| 50 | 2028-05 | 1.11 | 0.17 | 0.94 | 46.89 |
| 51 | 2028-06 | 1.11 | 0.16 | 0.94 | 45.95 |
| 52 | 2028-07 | 1.11 | 0.16 | 0.94 | 45.01 |
| 53 | 2028-08 | 1.11 | 0.16 | 0.95 | 44.06 |
| 54 | 2028-09 | 1.11 | 0.15 | 0.95 | 43.11 |
| 55 | 2028-10 | 1.11 | 0.15 | 0.95 | 42.15 |
| 56 | 2028-11 | 1.11 | 0.15 | 0.96 | 41.19 |
| 57 | 2028-12 | 1.11 | 0.14 | 0.96 | 40.23 |
| 58 | 2029-01 | 1.11 | 0.14 | 0.96 | 39.27 |
| 59 | 2029-02 | 1.11 | 0.14 | 0.97 | 38.30 |
| 60 | 2029-03 | 1.11 | 0.13 | 0.97 | 37.33 |
| 61 | 2029-04 | 1.11 | 0.13 | 0.97 | 36.35 |
| 62 | 2029-05 | 1.11 | 0.13 | 0.98 | 35.38 |
| 63 | 2029-06 | 1.11 | 0.12 | 0.98 | 34.39 |
| 64 | 2029-07 | 1.11 | 0.12 | 0.99 | 33.41 |
| 65 | 2029-08 | 1.11 | 0.12 | 0.99 | 32.42 |
| 66 | 2029-09 | 1.11 | 0.11 | 0.99 | 31.43 |
| 67 | 2029-10 | 1.11 | 0.11 | 1.00 | 30.43 |
| 68 | 2029-11 | 1.11 | 0.11 | 1.00 | 29.43 |
| 69 | 2029-12 | 1.11 | 0.10 | 1.00 | 28.43 |
| 70 | 2030-01 | 1.11 | 0.10 | 1.01 | 27.43 |
| 71 | 2030-02 | 1.11 | 0.10 | 1.01 | 26.42 |
| 72 | 2030-03 | 1.11 | 0.09 | 1.01 | 25.40 |
| 73 | 2030-04 | 1.11 | 0.09 | 1.02 | 24.39 |
| 74 | 2030-05 | 1.11 | 0.09 | 1.02 | 23.37 |
| 75 | 2030-06 | 1.11 | 0.08 | 1.02 | 22.34 |
| 76 | 2030-07 | 1.11 | 0.08 | 1.03 | 21.32 |
| 77 | 2030-08 | 1.11 | 0.07 | 1.03 | 20.29 |
| 78 | 2030-09 | 1.11 | 0.07 | 1.03 | 19.25 |
| 79 | 2030-10 | 1.11 | 0.07 | 1.04 | 18.21 |
| 80 | 2030-11 | 1.11 | 0.06 | 1.04 | 17.17 |
| 81 | 2030-12 | 1.11 | 0.06 | 1.05 | 16.13 |
| 82 | 2031-01 | 1.11 | 0.06 | 1.05 | 15.08 |
| 83 | 2031-02 | 1.11 | 0.05 | 1.05 | 14.02 |
| 84 | 2031-03 | 1.11 | 0.05 | 1.06 | 12.97 |
| 85 | 2031-04 | 1.11 | 0.05 | 1.06 | 11.91 |
| 86 | 2031-05 | 1.11 | 0.04 | 1.06 | 10.84 |
| 87 | 2031-06 | 1.11 | 0.04 | 1.07 | 9.78 |
| 88 | 2031-07 | 1.11 | 0.03 | 1.07 | 8.71 |
| 89 | 2031-08 | 1.11 | 0.03 | 1.07 | 7.63 |
| 90 | 2031-09 | 1.11 | 0.03 | 1.08 | 6.55 |
| 91 | 2031-10 | 1.11 | 0.02 | 1.08 | 5.47 |
| 92 | 2031-11 | 1.11 | 0.02 | 1.09 | 4.38 |
| 93 | 2031-12 | 1.11 | 0.02 | 1.09 | 3.29 |
| 94 | 2032-01 | 1.11 | 0.01 | 1.09 | 2.20 |
| 95 | 2032-02 | 1.11 | 0.01 | 1.10 | 1.10 |
| 96 | 2032-03 | 1.11 | 0.00 | 1.10 | 0.00 |
等额本金还款方式：
贷款总额：90元
还款月数：8年
首月还款：1.25元
每月递减：0元
利息总额：15.28元
本息合计：105.28元
节省利息：0.84元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 1.25 | 0.32 | 0.94 | 89.06 |
| 2 | 2024-05 | 1.25 | 0.31 | 0.94 | 88.13 |
| 3 | 2024-06 | 1.25 | 0.31 | 0.94 | 87.19 |
| 4 | 2024-07 | 1.24 | 0.31 | 0.94 | 86.25 |
| 5 | 2024-08 | 1.24 | 0.30 | 0.94 | 85.31 |
| 6 | 2024-09 | 1.24 | 0.30 | 0.94 | 84.38 |
| 7 | 2024-10 | 1.23 | 0.30 | 0.94 | 83.44 |
| 8 | 2024-11 | 1.23 | 0.29 | 0.94 | 82.50 |
| 9 | 2024-12 | 1.23 | 0.29 | 0.94 | 81.56 |
| 10 | 2025-01 | 1.22 | 0.29 | 0.94 | 80.63 |
| 11 | 2025-02 | 1.22 | 0.28 | 0.94 | 79.69 |
| 12 | 2025-03 | 1.22 | 0.28 | 0.94 | 78.75 |
| 13 | 2025-04 | 1.21 | 0.28 | 0.94 | 77.81 |
| 14 | 2025-05 | 1.21 | 0.27 | 0.94 | 76.88 |
| 15 | 2025-06 | 1.21 | 0.27 | 0.94 | 75.94 |
| 16 | 2025-07 | 1.20 | 0.27 | 0.94 | 75.00 |
| 17 | 2025-08 | 1.20 | 0.26 | 0.94 | 74.06 |
| 18 | 2025-09 | 1.20 | 0.26 | 0.94 | 73.13 |
| 19 | 2025-10 | 1.19 | 0.26 | 0.94 | 72.19 |
| 20 | 2025-11 | 1.19 | 0.25 | 0.94 | 71.25 |
| 21 | 2025-12 | 1.19 | 0.25 | 0.94 | 70.31 |
| 22 | 2026-01 | 1.18 | 0.25 | 0.94 | 69.38 |
| 23 | 2026-02 | 1.18 | 0.24 | 0.94 | 68.44 |
| 24 | 2026-03 | 1.18 | 0.24 | 0.94 | 67.50 |
| 25 | 2026-04 | 1.17 | 0.24 | 0.94 | 66.56 |
| 26 | 2026-05 | 1.17 | 0.23 | 0.94 | 65.63 |
| 27 | 2026-06 | 1.17 | 0.23 | 0.94 | 64.69 |
| 28 | 2026-07 | 1.16 | 0.23 | 0.94 | 63.75 |
| 29 | 2026-08 | 1.16 | 0.22 | 0.94 | 62.81 |
| 30 | 2026-09 | 1.16 | 0.22 | 0.94 | 61.88 |
| 31 | 2026-10 | 1.15 | 0.22 | 0.94 | 60.94 |
| 32 | 2026-11 | 1.15 | 0.21 | 0.94 | 60.00 |
| 33 | 2026-12 | 1.15 | 0.21 | 0.94 | 59.06 |
| 34 | 2027-01 | 1.14 | 0.21 | 0.94 | 58.13 |
| 35 | 2027-02 | 1.14 | 0.20 | 0.94 | 57.19 |
| 36 | 2027-03 | 1.14 | 0.20 | 0.94 | 56.25 |
| 37 | 2027-04 | 1.13 | 0.20 | 0.94 | 55.31 |
| 38 | 2027-05 | 1.13 | 0.19 | 0.94 | 54.38 |
| 39 | 2027-06 | 1.13 | 0.19 | 0.94 | 53.44 |
| 40 | 2027-07 | 1.12 | 0.19 | 0.94 | 52.50 |
| 41 | 2027-08 | 1.12 | 0.18 | 0.94 | 51.56 |
| 42 | 2027-09 | 1.12 | 0.18 | 0.94 | 50.63 |
| 43 | 2027-10 | 1.11 | 0.18 | 0.94 | 49.69 |
| 44 | 2027-11 | 1.11 | 0.17 | 0.94 | 48.75 |
| 45 | 2027-12 | 1.11 | 0.17 | 0.94 | 47.81 |
| 46 | 2028-01 | 1.10 | 0.17 | 0.94 | 46.88 |
| 47 | 2028-02 | 1.10 | 0.16 | 0.94 | 45.94 |
| 48 | 2028-03 | 1.10 | 0.16 | 0.94 | 45.00 |
| 49 | 2028-04 | 1.09 | 0.16 | 0.94 | 44.06 |
| 50 | 2028-05 | 1.09 | 0.15 | 0.94 | 43.13 |
| 51 | 2028-06 | 1.09 | 0.15 | 0.94 | 42.19 |
| 52 | 2028-07 | 1.09 | 0.15 | 0.94 | 41.25 |
| 53 | 2028-08 | 1.08 | 0.14 | 0.94 | 40.31 |
| 54 | 2028-09 | 1.08 | 0.14 | 0.94 | 39.38 |
| 55 | 2028-10 | 1.08 | 0.14 | 0.94 | 38.44 |
| 56 | 2028-11 | 1.07 | 0.13 | 0.94 | 37.50 |
| 57 | 2028-12 | 1.07 | 0.13 | 0.94 | 36.56 |
| 58 | 2029-01 | 1.07 | 0.13 | 0.94 | 35.63 |
| 59 | 2029-02 | 1.06 | 0.12 | 0.94 | 34.69 |
| 60 | 2029-03 | 1.06 | 0.12 | 0.94 | 33.75 |
| 61 | 2029-04 | 1.06 | 0.12 | 0.94 | 32.81 |
| 62 | 2029-05 | 1.05 | 0.11 | 0.94 | 31.88 |
| 63 | 2029-06 | 1.05 | 0.11 | 0.94 | 30.94 |
| 64 | 2029-07 | 1.05 | 0.11 | 0.94 | 30.00 |
| 65 | 2029-08 | 1.04 | 0.10 | 0.94 | 29.06 |
| 66 | 2029-09 | 1.04 | 0.10 | 0.94 | 28.13 |
| 67 | 2029-10 | 1.04 | 0.10 | 0.94 | 27.19 |
| 68 | 2029-11 | 1.03 | 0.10 | 0.94 | 26.25 |
| 69 | 2029-12 | 1.03 | 0.09 | 0.94 | 25.31 |
| 70 | 2030-01 | 1.03 | 0.09 | 0.94 | 24.38 |
| 71 | 2030-02 | 1.02 | 0.09 | 0.94 | 23.44 |
| 72 | 2030-03 | 1.02 | 0.08 | 0.94 | 22.50 |
| 73 | 2030-04 | 1.02 | 0.08 | 0.94 | 21.56 |
| 74 | 2030-05 | 1.01 | 0.08 | 0.94 | 20.63 |
| 75 | 2030-06 | 1.01 | 0.07 | 0.94 | 19.69 |
| 76 | 2030-07 | 1.01 | 0.07 | 0.94 | 18.75 |
| 77 | 2030-08 | 1.00 | 0.07 | 0.94 | 17.81 |
| 78 | 2030-09 | 1.00 | 0.06 | 0.94 | 16.88 |
| 79 | 2030-10 | 1.00 | 0.06 | 0.94 | 15.94 |
| 80 | 2030-11 | 0.99 | 0.06 | 0.94 | 15.00 |
| 81 | 2030-12 | 0.99 | 0.05 | 0.94 | 14.06 |
| 82 | 2031-01 | 0.99 | 0.05 | 0.94 | 13.13 |
| 83 | 2031-02 | 0.98 | 0.05 | 0.94 | 12.19 |
| 84 | 2031-03 | 0.98 | 0.04 | 0.94 | 11.25 |
| 85 | 2031-04 | 0.98 | 0.04 | 0.94 | 10.31 |
| 86 | 2031-05 | 0.97 | 0.04 | 0.94 | 9.38 |
| 87 | 2031-06 | 0.97 | 0.03 | 0.94 | 8.44 |
| 88 | 2031-07 | 0.97 | 0.03 | 0.94 | 7.50 |
| 89 | 2031-08 | 0.96 | 0.03 | 0.94 | 6.56 |
| 90 | 2031-09 | 0.96 | 0.02 | 0.94 | 5.63 |
| 91 | 2031-10 | 0.96 | 0.02 | 0.94 | 4.69 |
| 92 | 2031-11 | 0.95 | 0.02 | 0.94 | 3.75 |
| 93 | 2031-12 | 0.95 | 0.01 | 0.94 | 2.81 |
| 94 | 2032-01 | 0.95 | 0.01 | 0.94 | 1.88 |
| 95 | 2032-02 | 0.94 | 0.01 | 0.94 | 0.94 |
| 96 | 2032-03 | 0.94 | 0.00 | 0.94 | 0.00 |