贷款8万（商业贷款）房贷，还款4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：8万
还款月数：4年4个月
每月还款：1653.19元
利息总额：5966.04元
本息合计：8.6万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 1653.19 | 220.00 | 1433.19 | 78566.81 |
| 2 | 2024-12 | 1653.19 | 216.06 | 1437.13 | 77129.67 |
| 3 | 2025-01 | 1653.19 | 212.11 | 1441.09 | 75688.59 |
| 4 | 2025-02 | 1653.19 | 208.14 | 1445.05 | 74243.54 |
| 5 | 2025-03 | 1653.19 | 204.17 | 1449.02 | 72794.51 |
| 6 | 2025-04 | 1653.19 | 200.18 | 1453.01 | 71341.50 |
| 7 | 2025-05 | 1653.19 | 196.19 | 1457.00 | 69884.50 |
| 8 | 2025-06 | 1653.19 | 192.18 | 1461.01 | 68423.49 |
| 9 | 2025-07 | 1653.19 | 188.16 | 1465.03 | 66958.46 |
| 10 | 2025-08 | 1653.19 | 184.14 | 1469.06 | 65489.40 |
| 11 | 2025-09 | 1653.19 | 180.10 | 1473.10 | 64016.31 |
| 12 | 2025-10 | 1653.19 | 176.04 | 1477.15 | 62539.16 |
| 13 | 2025-11 | 1653.19 | 171.98 | 1481.21 | 61057.95 |
| 14 | 2025-12 | 1653.19 | 167.91 | 1485.28 | 59572.66 |
| 15 | 2026-01 | 1653.19 | 163.82 | 1489.37 | 58083.30 |
| 16 | 2026-02 | 1653.19 | 159.73 | 1493.46 | 56589.83 |
| 17 | 2026-03 | 1653.19 | 155.62 | 1497.57 | 55092.26 |
| 18 | 2026-04 | 1653.19 | 151.50 | 1501.69 | 53590.57 |
| 19 | 2026-05 | 1653.19 | 147.37 | 1505.82 | 52084.75 |
| 20 | 2026-06 | 1653.19 | 143.23 | 1509.96 | 50574.79 |
| 21 | 2026-07 | 1653.19 | 139.08 | 1514.11 | 49060.68 |
| 22 | 2026-08 | 1653.19 | 134.92 | 1518.28 | 47542.40 |
| 23 | 2026-09 | 1653.19 | 130.74 | 1522.45 | 46019.95 |
| 24 | 2026-10 | 1653.19 | 126.55 | 1526.64 | 44493.31 |
| 25 | 2026-11 | 1653.19 | 122.36 | 1530.84 | 42962.48 |
| 26 | 2026-12 | 1653.19 | 118.15 | 1535.05 | 41427.43 |
| 27 | 2027-01 | 1653.19 | 113.93 | 1539.27 | 39888.16 |
| 28 | 2027-02 | 1653.19 | 109.69 | 1543.50 | 38344.66 |
| 29 | 2027-03 | 1653.19 | 105.45 | 1547.75 | 36796.92 |
| 30 | 2027-04 | 1653.19 | 101.19 | 1552.00 | 35244.92 |
| 31 | 2027-05 | 1653.19 | 96.92 | 1556.27 | 33688.65 |
| 32 | 2027-06 | 1653.19 | 92.64 | 1560.55 | 32128.10 |
| 33 | 2027-07 | 1653.19 | 88.35 | 1564.84 | 30563.26 |
| 34 | 2027-08 | 1653.19 | 84.05 | 1569.14 | 28994.11 |
| 35 | 2027-09 | 1653.19 | 79.73 | 1573.46 | 27420.65 |
| 36 | 2027-10 | 1653.19 | 75.41 | 1577.79 | 25842.87 |
| 37 | 2027-11 | 1653.19 | 71.07 | 1582.13 | 24260.74 |
| 38 | 2027-12 | 1653.19 | 66.72 | 1586.48 | 22674.26 |
| 39 | 2028-01 | 1653.19 | 62.35 | 1590.84 | 21083.43 |
| 40 | 2028-02 | 1653.19 | 57.98 | 1595.21 | 19488.21 |
| 41 | 2028-03 | 1653.19 | 53.59 | 1599.60 | 17888.61 |
| 42 | 2028-04 | 1653.19 | 49.19 | 1604.00 | 16284.61 |
| 43 | 2028-05 | 1653.19 | 44.78 | 1608.41 | 14676.20 |
| 44 | 2028-06 | 1653.19 | 40.36 | 1612.83 | 13063.37 |
| 45 | 2028-07 | 1653.19 | 35.92 | 1617.27 | 11446.10 |
| 46 | 2028-08 | 1653.19 | 31.48 | 1621.72 | 9824.38 |
| 47 | 2028-09 | 1653.19 | 27.02 | 1626.18 | 8198.21 |
| 48 | 2028-10 | 1653.19 | 22.55 | 1630.65 | 6567.56 |
| 49 | 2028-11 | 1653.19 | 18.06 | 1635.13 | 4932.43 |
| 50 | 2028-12 | 1653.19 | 13.56 | 1639.63 | 3292.80 |
| 51 | 2029-01 | 1653.19 | 9.06 | 1644.14 | 1648.66 |
| 52 | 2029-02 | 1653.19 | 4.53 | 1648.66 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：4年4个月
首月还款：1758.46元
每月递减：4.23元
利息总额：5830元
本息合计：8.58万
节省利息：136.04元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 1758.46 | 220.00 | 1538.46 | 78461.54 |
| 2 | 2024-12 | 1754.23 | 215.77 | 1538.46 | 76923.08 |
| 3 | 2025-01 | 1750.00 | 211.54 | 1538.46 | 75384.62 |
| 4 | 2025-02 | 1745.77 | 207.31 | 1538.46 | 73846.15 |
| 5 | 2025-03 | 1741.54 | 203.08 | 1538.46 | 72307.69 |
| 6 | 2025-04 | 1737.31 | 198.85 | 1538.46 | 70769.23 |
| 7 | 2025-05 | 1733.08 | 194.62 | 1538.46 | 69230.77 |
| 8 | 2025-06 | 1728.85 | 190.38 | 1538.46 | 67692.31 |
| 9 | 2025-07 | 1724.62 | 186.15 | 1538.46 | 66153.85 |
| 10 | 2025-08 | 1720.38 | 181.92 | 1538.46 | 64615.38 |
| 11 | 2025-09 | 1716.15 | 177.69 | 1538.46 | 63076.92 |
| 12 | 2025-10 | 1711.92 | 173.46 | 1538.46 | 61538.46 |
| 13 | 2025-11 | 1707.69 | 169.23 | 1538.46 | 60000.00 |
| 14 | 2025-12 | 1703.46 | 165.00 | 1538.46 | 58461.54 |
| 15 | 2026-01 | 1699.23 | 160.77 | 1538.46 | 56923.08 |
| 16 | 2026-02 | 1695.00 | 156.54 | 1538.46 | 55384.62 |
| 17 | 2026-03 | 1690.77 | 152.31 | 1538.46 | 53846.15 |
| 18 | 2026-04 | 1686.54 | 148.08 | 1538.46 | 52307.69 |
| 19 | 2026-05 | 1682.31 | 143.85 | 1538.46 | 50769.23 |
| 20 | 2026-06 | 1678.08 | 139.62 | 1538.46 | 49230.77 |
| 21 | 2026-07 | 1673.85 | 135.38 | 1538.46 | 47692.31 |
| 22 | 2026-08 | 1669.62 | 131.15 | 1538.46 | 46153.85 |
| 23 | 2026-09 | 1665.38 | 126.92 | 1538.46 | 44615.38 |
| 24 | 2026-10 | 1661.15 | 122.69 | 1538.46 | 43076.92 |
| 25 | 2026-11 | 1656.92 | 118.46 | 1538.46 | 41538.46 |
| 26 | 2026-12 | 1652.69 | 114.23 | 1538.46 | 40000.00 |
| 27 | 2027-01 | 1648.46 | 110.00 | 1538.46 | 38461.54 |
| 28 | 2027-02 | 1644.23 | 105.77 | 1538.46 | 36923.08 |
| 29 | 2027-03 | 1640.00 | 101.54 | 1538.46 | 35384.62 |
| 30 | 2027-04 | 1635.77 | 97.31 | 1538.46 | 33846.15 |
| 31 | 2027-05 | 1631.54 | 93.08 | 1538.46 | 32307.69 |
| 32 | 2027-06 | 1627.31 | 88.85 | 1538.46 | 30769.23 |
| 33 | 2027-07 | 1623.08 | 84.62 | 1538.46 | 29230.77 |
| 34 | 2027-08 | 1618.85 | 80.38 | 1538.46 | 27692.31 |
| 35 | 2027-09 | 1614.62 | 76.15 | 1538.46 | 26153.85 |
| 36 | 2027-10 | 1610.38 | 71.92 | 1538.46 | 24615.38 |
| 37 | 2027-11 | 1606.15 | 67.69 | 1538.46 | 23076.92 |
| 38 | 2027-12 | 1601.92 | 63.46 | 1538.46 | 21538.46 |
| 39 | 2028-01 | 1597.69 | 59.23 | 1538.46 | 20000.00 |
| 40 | 2028-02 | 1593.46 | 55.00 | 1538.46 | 18461.54 |
| 41 | 2028-03 | 1589.23 | 50.77 | 1538.46 | 16923.08 |
| 42 | 2028-04 | 1585.00 | 46.54 | 1538.46 | 15384.62 |
| 43 | 2028-05 | 1580.77 | 42.31 | 1538.46 | 13846.15 |
| 44 | 2028-06 | 1576.54 | 38.08 | 1538.46 | 12307.69 |
| 45 | 2028-07 | 1572.31 | 33.85 | 1538.46 | 10769.23 |
| 46 | 2028-08 | 1568.08 | 29.62 | 1538.46 | 9230.77 |
| 47 | 2028-09 | 1563.85 | 25.38 | 1538.46 | 7692.31 |
| 48 | 2028-10 | 1559.62 | 21.15 | 1538.46 | 6153.85 |
| 49 | 2028-11 | 1555.38 | 16.92 | 1538.46 | 4615.38 |
| 50 | 2028-12 | 1551.15 | 12.69 | 1538.46 | 3076.92 |
| 51 | 2029-01 | 1546.92 | 8.46 | 1538.46 | 1538.46 |
| 52 | 2029-02 | 1542.69 | 4.23 | 1538.46 | 0.00 |