贷款60元（商业贷款）房贷，还款5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：60元
还款月数：5年
每月还款：1.1元
利息总额：6.22元
本息合计：66.22元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 1.10 | 0.20 | 0.91 | 59.09 |
| 2 | 2024-09 | 1.10 | 0.19 | 0.91 | 58.18 |
| 3 | 2024-10 | 1.10 | 0.19 | 0.91 | 57.27 |
| 4 | 2024-11 | 1.10 | 0.19 | 0.92 | 56.36 |
| 5 | 2024-12 | 1.10 | 0.19 | 0.92 | 55.44 |
| 6 | 2025-01 | 1.10 | 0.18 | 0.92 | 54.52 |
| 7 | 2025-02 | 1.10 | 0.18 | 0.92 | 53.59 |
| 8 | 2025-03 | 1.10 | 0.18 | 0.93 | 52.67 |
| 9 | 2025-04 | 1.10 | 0.17 | 0.93 | 51.74 |
| 10 | 2025-05 | 1.10 | 0.17 | 0.93 | 50.80 |
| 11 | 2025-06 | 1.10 | 0.17 | 0.94 | 49.87 |
| 12 | 2025-07 | 1.10 | 0.16 | 0.94 | 48.93 |
| 13 | 2025-08 | 1.10 | 0.16 | 0.94 | 47.98 |
| 14 | 2025-09 | 1.10 | 0.16 | 0.95 | 47.04 |
| 15 | 2025-10 | 1.10 | 0.15 | 0.95 | 46.09 |
| 16 | 2025-11 | 1.10 | 0.15 | 0.95 | 45.14 |
| 17 | 2025-12 | 1.10 | 0.15 | 0.96 | 44.18 |
| 18 | 2026-01 | 1.10 | 0.15 | 0.96 | 43.23 |
| 19 | 2026-02 | 1.10 | 0.14 | 0.96 | 42.26 |
| 20 | 2026-03 | 1.10 | 0.14 | 0.96 | 41.30 |
| 21 | 2026-04 | 1.10 | 0.14 | 0.97 | 40.33 |
| 22 | 2026-05 | 1.10 | 0.13 | 0.97 | 39.36 |
| 23 | 2026-06 | 1.10 | 0.13 | 0.97 | 38.39 |
| 24 | 2026-07 | 1.10 | 0.13 | 0.98 | 37.41 |
| 25 | 2026-08 | 1.10 | 0.12 | 0.98 | 36.43 |
| 26 | 2026-09 | 1.10 | 0.12 | 0.98 | 35.45 |
| 27 | 2026-10 | 1.10 | 0.12 | 0.99 | 34.46 |
| 28 | 2026-11 | 1.10 | 0.11 | 0.99 | 33.47 |
| 29 | 2026-12 | 1.10 | 0.11 | 0.99 | 32.47 |
| 30 | 2027-01 | 1.10 | 0.11 | 1.00 | 31.48 |
| 31 | 2027-02 | 1.10 | 0.10 | 1.00 | 30.48 |
| 32 | 2027-03 | 1.10 | 0.10 | 1.00 | 29.47 |
| 33 | 2027-04 | 1.10 | 0.10 | 1.01 | 28.47 |
| 34 | 2027-05 | 1.10 | 0.09 | 1.01 | 27.46 |
| 35 | 2027-06 | 1.10 | 0.09 | 1.01 | 26.44 |
| 36 | 2027-07 | 1.10 | 0.09 | 1.02 | 25.43 |
| 37 | 2027-08 | 1.10 | 0.08 | 1.02 | 24.41 |
| 38 | 2027-09 | 1.10 | 0.08 | 1.02 | 23.38 |
| 39 | 2027-10 | 1.10 | 0.08 | 1.03 | 22.36 |
| 40 | 2027-11 | 1.10 | 0.07 | 1.03 | 21.33 |
| 41 | 2027-12 | 1.10 | 0.07 | 1.03 | 20.29 |
| 42 | 2028-01 | 1.10 | 0.07 | 1.04 | 19.26 |
| 43 | 2028-02 | 1.10 | 0.06 | 1.04 | 18.22 |
| 44 | 2028-03 | 1.10 | 0.06 | 1.04 | 17.17 |
| 45 | 2028-04 | 1.10 | 0.06 | 1.05 | 16.13 |
| 46 | 2028-05 | 1.10 | 0.05 | 1.05 | 15.08 |
| 47 | 2028-06 | 1.10 | 0.05 | 1.05 | 14.02 |
| 48 | 2028-07 | 1.10 | 0.05 | 1.06 | 12.96 |
| 49 | 2028-08 | 1.10 | 0.04 | 1.06 | 11.90 |
| 50 | 2028-09 | 1.10 | 0.04 | 1.06 | 10.84 |
| 51 | 2028-10 | 1.10 | 0.04 | 1.07 | 9.77 |
| 52 | 2028-11 | 1.10 | 0.03 | 1.07 | 8.70 |
| 53 | 2028-12 | 1.10 | 0.03 | 1.08 | 7.62 |
| 54 | 2029-01 | 1.10 | 0.03 | 1.08 | 6.55 |
| 55 | 2029-02 | 1.10 | 0.02 | 1.08 | 5.46 |
| 56 | 2029-03 | 1.10 | 0.02 | 1.09 | 4.38 |
| 57 | 2029-04 | 1.10 | 0.01 | 1.09 | 3.29 |
| 58 | 2029-05 | 1.10 | 0.01 | 1.09 | 2.20 |
| 59 | 2029-06 | 1.10 | 0.01 | 1.10 | 1.10 |
| 60 | 2029-07 | 1.10 | 0.00 | 1.10 | 0.00 |
等额本金还款方式：
贷款总额：60元
还款月数：5年
首月还款：1.2元
每月递减：0元
利息总额：6.02元
本息合计：66.02元
节省利息：0.19元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 1.20 | 0.20 | 1.00 | 59.00 |
| 2 | 2024-09 | 1.19 | 0.19 | 1.00 | 58.00 |
| 3 | 2024-10 | 1.19 | 0.19 | 1.00 | 57.00 |
| 4 | 2024-11 | 1.19 | 0.19 | 1.00 | 56.00 |
| 5 | 2024-12 | 1.18 | 0.18 | 1.00 | 55.00 |
| 6 | 2025-01 | 1.18 | 0.18 | 1.00 | 54.00 |
| 7 | 2025-02 | 1.18 | 0.18 | 1.00 | 53.00 |
| 8 | 2025-03 | 1.17 | 0.17 | 1.00 | 52.00 |
| 9 | 2025-04 | 1.17 | 0.17 | 1.00 | 51.00 |
| 10 | 2025-05 | 1.17 | 0.17 | 1.00 | 50.00 |
| 11 | 2025-06 | 1.16 | 0.16 | 1.00 | 49.00 |
| 12 | 2025-07 | 1.16 | 0.16 | 1.00 | 48.00 |
| 13 | 2025-08 | 1.16 | 0.16 | 1.00 | 47.00 |
| 14 | 2025-09 | 1.15 | 0.15 | 1.00 | 46.00 |
| 15 | 2025-10 | 1.15 | 0.15 | 1.00 | 45.00 |
| 16 | 2025-11 | 1.15 | 0.15 | 1.00 | 44.00 |
| 17 | 2025-12 | 1.14 | 0.14 | 1.00 | 43.00 |
| 18 | 2026-01 | 1.14 | 0.14 | 1.00 | 42.00 |
| 19 | 2026-02 | 1.14 | 0.14 | 1.00 | 41.00 |
| 20 | 2026-03 | 1.13 | 0.13 | 1.00 | 40.00 |
| 21 | 2026-04 | 1.13 | 0.13 | 1.00 | 39.00 |
| 22 | 2026-05 | 1.13 | 0.13 | 1.00 | 38.00 |
| 23 | 2026-06 | 1.13 | 0.13 | 1.00 | 37.00 |
| 24 | 2026-07 | 1.12 | 0.12 | 1.00 | 36.00 |
| 25 | 2026-08 | 1.12 | 0.12 | 1.00 | 35.00 |
| 26 | 2026-09 | 1.12 | 0.12 | 1.00 | 34.00 |
| 27 | 2026-10 | 1.11 | 0.11 | 1.00 | 33.00 |
| 28 | 2026-11 | 1.11 | 0.11 | 1.00 | 32.00 |
| 29 | 2026-12 | 1.11 | 0.11 | 1.00 | 31.00 |
| 30 | 2027-01 | 1.10 | 0.10 | 1.00 | 30.00 |
| 31 | 2027-02 | 1.10 | 0.10 | 1.00 | 29.00 |
| 32 | 2027-03 | 1.10 | 0.10 | 1.00 | 28.00 |
| 33 | 2027-04 | 1.09 | 0.09 | 1.00 | 27.00 |
| 34 | 2027-05 | 1.09 | 0.09 | 1.00 | 26.00 |
| 35 | 2027-06 | 1.09 | 0.09 | 1.00 | 25.00 |
| 36 | 2027-07 | 1.08 | 0.08 | 1.00 | 24.00 |
| 37 | 2027-08 | 1.08 | 0.08 | 1.00 | 23.00 |
| 38 | 2027-09 | 1.08 | 0.08 | 1.00 | 22.00 |
| 39 | 2027-10 | 1.07 | 0.07 | 1.00 | 21.00 |
| 40 | 2027-11 | 1.07 | 0.07 | 1.00 | 20.00 |
| 41 | 2027-12 | 1.07 | 0.07 | 1.00 | 19.00 |
| 42 | 2028-01 | 1.06 | 0.06 | 1.00 | 18.00 |
| 43 | 2028-02 | 1.06 | 0.06 | 1.00 | 17.00 |
| 44 | 2028-03 | 1.06 | 0.06 | 1.00 | 16.00 |
| 45 | 2028-04 | 1.05 | 0.05 | 1.00 | 15.00 |
| 46 | 2028-05 | 1.05 | 0.05 | 1.00 | 14.00 |
| 47 | 2028-06 | 1.05 | 0.05 | 1.00 | 13.00 |
| 48 | 2028-07 | 1.04 | 0.04 | 1.00 | 12.00 |
| 49 | 2028-08 | 1.04 | 0.04 | 1.00 | 11.00 |
| 50 | 2028-09 | 1.04 | 0.04 | 1.00 | 10.00 |
| 51 | 2028-10 | 1.03 | 0.03 | 1.00 | 9.00 |
| 52 | 2028-11 | 1.03 | 0.03 | 1.00 | 8.00 |
| 53 | 2028-12 | 1.03 | 0.03 | 1.00 | 7.00 |
| 54 | 2029-01 | 1.02 | 0.02 | 1.00 | 6.00 |
| 55 | 2029-02 | 1.02 | 0.02 | 1.00 | 5.00 |
| 56 | 2029-03 | 1.02 | 0.02 | 1.00 | 4.00 |
| 57 | 2029-04 | 1.01 | 0.01 | 1.00 | 3.00 |
| 58 | 2029-05 | 1.01 | 0.01 | 1.00 | 2.00 |
| 59 | 2029-06 | 1.01 | 0.01 | 1.00 | 1.00 |
| 60 | 2029-07 | 1.00 | 0.00 | 1.00 | 0.00 |