贷款250元（商业贷款）房贷，还款2年6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：250元
还款月数：2年6个月
每月还款：8.8元
利息总额：14.13元
本息合计：264.13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 | 8.80 | 0.90 | 7.91 | 242.09 |
| 2 | 2024-05 | 8.80 | 0.87 | 7.94 | 234.15 |
| 3 | 2024-06 | 8.80 | 0.84 | 7.97 | 226.19 |
| 4 | 2024-07 | 8.80 | 0.81 | 7.99 | 218.20 |
| 5 | 2024-08 | 8.80 | 0.78 | 8.02 | 210.17 |
| 6 | 2024-09 | 8.80 | 0.75 | 8.05 | 202.12 |
| 7 | 2024-10 | 8.80 | 0.72 | 8.08 | 194.04 |
| 8 | 2024-11 | 8.80 | 0.70 | 8.11 | 185.93 |
| 9 | 2024-12 | 8.80 | 0.67 | 8.14 | 177.80 |
| 10 | 2025-01 | 8.80 | 0.64 | 8.17 | 169.63 |
| 11 | 2025-02 | 8.80 | 0.61 | 8.20 | 161.43 |
| 12 | 2025-03 | 8.80 | 0.58 | 8.23 | 153.21 |
| 13 | 2025-04 | 8.80 | 0.55 | 8.26 | 144.95 |
| 14 | 2025-05 | 8.80 | 0.52 | 8.28 | 136.67 |
| 15 | 2025-06 | 8.80 | 0.49 | 8.31 | 128.35 |
| 16 | 2025-07 | 8.80 | 0.46 | 8.34 | 120.01 |
| 17 | 2025-08 | 8.80 | 0.43 | 8.37 | 111.63 |
| 18 | 2025-09 | 8.80 | 0.40 | 8.40 | 103.23 |
| 19 | 2025-10 | 8.80 | 0.37 | 8.43 | 94.80 |
| 20 | 2025-11 | 8.80 | 0.34 | 8.46 | 86.33 |
| 21 | 2025-12 | 8.80 | 0.31 | 8.49 | 77.84 |
| 22 | 2026-01 | 8.80 | 0.28 | 8.53 | 69.31 |
| 23 | 2026-02 | 8.80 | 0.25 | 8.56 | 60.76 |
| 24 | 2026-03 | 8.80 | 0.22 | 8.59 | 52.17 |
| 25 | 2026-04 | 8.80 | 0.19 | 8.62 | 43.55 |
| 26 | 2026-05 | 8.80 | 0.16 | 8.65 | 34.90 |
| 27 | 2026-06 | 8.80 | 0.13 | 8.68 | 26.22 |
| 28 | 2026-07 | 8.80 | 0.09 | 8.71 | 17.51 |
| 29 | 2026-08 | 8.80 | 0.06 | 8.74 | 8.77 |
| 30 | 2026-09 | 8.80 | 0.03 | 8.77 | 0.00 |
等额本金还款方式：
贷款总额：250元
还款月数：2年6个月
首月还款：9.23元
每月递减：0.03元
利息总额：13.89元
本息合计：263.89元
节省利息：0.24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 | 9.23 | 0.90 | 8.33 | 241.67 |
| 2 | 2024-05 | 9.20 | 0.87 | 8.33 | 233.33 |
| 3 | 2024-06 | 9.17 | 0.84 | 8.33 | 225.00 |
| 4 | 2024-07 | 9.14 | 0.81 | 8.33 | 216.67 |
| 5 | 2024-08 | 9.11 | 0.78 | 8.33 | 208.33 |
| 6 | 2024-09 | 9.08 | 0.75 | 8.33 | 200.00 |
| 7 | 2024-10 | 9.05 | 0.72 | 8.33 | 191.67 |
| 8 | 2024-11 | 9.02 | 0.69 | 8.33 | 183.33 |
| 9 | 2024-12 | 8.99 | 0.66 | 8.33 | 175.00 |
| 10 | 2025-01 | 8.96 | 0.63 | 8.33 | 166.67 |
| 11 | 2025-02 | 8.93 | 0.60 | 8.33 | 158.33 |
| 12 | 2025-03 | 8.90 | 0.57 | 8.33 | 150.00 |
| 13 | 2025-04 | 8.87 | 0.54 | 8.33 | 141.67 |
| 14 | 2025-05 | 8.84 | 0.51 | 8.33 | 133.33 |
| 15 | 2025-06 | 8.81 | 0.48 | 8.33 | 125.00 |
| 16 | 2025-07 | 8.78 | 0.45 | 8.33 | 116.67 |
| 17 | 2025-08 | 8.75 | 0.42 | 8.33 | 108.33 |
| 18 | 2025-09 | 8.72 | 0.39 | 8.33 | 100.00 |
| 19 | 2025-10 | 8.69 | 0.36 | 8.33 | 91.67 |
| 20 | 2025-11 | 8.66 | 0.33 | 8.33 | 83.33 |
| 21 | 2025-12 | 8.63 | 0.30 | 8.33 | 75.00 |
| 22 | 2026-01 | 8.60 | 0.27 | 8.33 | 66.67 |
| 23 | 2026-02 | 8.57 | 0.24 | 8.33 | 58.33 |
| 24 | 2026-03 | 8.54 | 0.21 | 8.33 | 50.00 |
| 25 | 2026-04 | 8.51 | 0.18 | 8.33 | 41.67 |
| 26 | 2026-05 | 8.48 | 0.15 | 8.33 | 33.33 |
| 27 | 2026-06 | 8.45 | 0.12 | 8.33 | 25.00 |
| 28 | 2026-07 | 8.42 | 0.09 | 8.33 | 16.67 |
| 29 | 2026-08 | 8.39 | 0.06 | 8.33 | 8.33 |
| 30 | 2026-09 | 8.36 | 0.03 | 8.33 | 0.00 |