贷款8万（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：8万
还款月数：5年
每月还款：1484.18元
利息总额：9050.63元
本息合计：8.91万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 1484.18 | 286.67 | 1197.51 | 78802.49 |
| 2 | 2024-04 | 1484.18 | 282.38 | 1201.80 | 77600.69 |
| 3 | 2024-05 | 1484.18 | 278.07 | 1206.11 | 76394.58 |
| 4 | 2024-06 | 1484.18 | 273.75 | 1210.43 | 75184.15 |
| 5 | 2024-07 | 1484.18 | 269.41 | 1214.77 | 73969.38 |
| 6 | 2024-08 | 1484.18 | 265.06 | 1219.12 | 72750.26 |
| 7 | 2024-09 | 1484.18 | 260.69 | 1223.49 | 71526.77 |
| 8 | 2024-10 | 1484.18 | 256.30 | 1227.87 | 70298.90 |
| 9 | 2024-11 | 1484.18 | 251.90 | 1232.27 | 69066.63 |
| 10 | 2024-12 | 1484.18 | 247.49 | 1236.69 | 67829.94 |
| 11 | 2025-01 | 1484.18 | 243.06 | 1241.12 | 66588.82 |
| 12 | 2025-02 | 1484.18 | 238.61 | 1245.57 | 65343.25 |
| 13 | 2025-03 | 1484.18 | 234.15 | 1250.03 | 64093.22 |
| 14 | 2025-04 | 1484.18 | 229.67 | 1254.51 | 62838.71 |
| 15 | 2025-05 | 1484.18 | 225.17 | 1259.01 | 61579.71 |
| 16 | 2025-06 | 1484.18 | 220.66 | 1263.52 | 60316.19 |
| 17 | 2025-07 | 1484.18 | 216.13 | 1268.04 | 59048.15 |
| 18 | 2025-08 | 1484.18 | 211.59 | 1272.59 | 57775.56 |
| 19 | 2025-09 | 1484.18 | 207.03 | 1277.15 | 56498.41 |
| 20 | 2025-10 | 1484.18 | 202.45 | 1281.72 | 55216.69 |
| 21 | 2025-11 | 1484.18 | 197.86 | 1286.32 | 53930.37 |
| 22 | 2025-12 | 1484.18 | 193.25 | 1290.93 | 52639.44 |
| 23 | 2026-01 | 1484.18 | 188.62 | 1295.55 | 51343.89 |
| 24 | 2026-02 | 1484.18 | 183.98 | 1300.19 | 50043.70 |
| 25 | 2026-03 | 1484.18 | 179.32 | 1304.85 | 48738.84 |
| 26 | 2026-04 | 1484.18 | 174.65 | 1309.53 | 47429.31 |
| 27 | 2026-05 | 1484.18 | 169.96 | 1314.22 | 46115.09 |
| 28 | 2026-06 | 1484.18 | 165.25 | 1318.93 | 44796.16 |
| 29 | 2026-07 | 1484.18 | 160.52 | 1323.66 | 43472.50 |
| 30 | 2026-08 | 1484.18 | 155.78 | 1328.40 | 42144.10 |
| 31 | 2026-09 | 1484.18 | 151.02 | 1333.16 | 40810.94 |
| 32 | 2026-10 | 1484.18 | 146.24 | 1337.94 | 39473.00 |
| 33 | 2026-11 | 1484.18 | 141.44 | 1342.73 | 38130.27 |
| 34 | 2026-12 | 1484.18 | 136.63 | 1347.54 | 36782.73 |
| 35 | 2027-01 | 1484.18 | 131.80 | 1352.37 | 35430.35 |
| 36 | 2027-02 | 1484.18 | 126.96 | 1357.22 | 34073.13 |
| 37 | 2027-03 | 1484.18 | 122.10 | 1362.08 | 32711.05 |
| 38 | 2027-04 | 1484.18 | 117.21 | 1366.96 | 31344.09 |
| 39 | 2027-05 | 1484.18 | 112.32 | 1371.86 | 29972.23 |
| 40 | 2027-06 | 1484.18 | 107.40 | 1376.78 | 28595.45 |
| 41 | 2027-07 | 1484.18 | 102.47 | 1381.71 | 27213.74 |
| 42 | 2027-08 | 1484.18 | 97.52 | 1386.66 | 25827.08 |
| 43 | 2027-09 | 1484.18 | 92.55 | 1391.63 | 24435.45 |
| 44 | 2027-10 | 1484.18 | 87.56 | 1396.62 | 23038.83 |
| 45 | 2027-11 | 1484.18 | 82.56 | 1401.62 | 21637.21 |
| 46 | 2027-12 | 1484.18 | 77.53 | 1406.64 | 20230.57 |
| 47 | 2028-01 | 1484.18 | 72.49 | 1411.68 | 18818.89 |
| 48 | 2028-02 | 1484.18 | 67.43 | 1416.74 | 17402.14 |
| 49 | 2028-03 | 1484.18 | 62.36 | 1421.82 | 15980.32 |
| 50 | 2028-04 | 1484.18 | 57.26 | 1426.91 | 14553.41 |
| 51 | 2028-05 | 1484.18 | 52.15 | 1432.03 | 13121.38 |
| 52 | 2028-06 | 1484.18 | 47.02 | 1437.16 | 11684.22 |
| 53 | 2028-07 | 1484.18 | 41.87 | 1442.31 | 10241.91 |
| 54 | 2028-08 | 1484.18 | 36.70 | 1447.48 | 8794.44 |
| 55 | 2028-09 | 1484.18 | 31.51 | 1452.66 | 7341.77 |
| 56 | 2028-10 | 1484.18 | 26.31 | 1457.87 | 5883.90 |
| 57 | 2028-11 | 1484.18 | 21.08 | 1463.09 | 4420.81 |
| 58 | 2028-12 | 1484.18 | 15.84 | 1468.34 | 2952.48 |
| 59 | 2029-01 | 1484.18 | 10.58 | 1473.60 | 1478.88 |
| 60 | 2029-02 | 1484.18 | 5.30 | 1478.88 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：5年
首月还款：1620元
每月递减：4.78元
利息总额：8743.33元
本息合计：8.87万
节省利息：307.29元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 1620.00 | 286.67 | 1333.33 | 78666.67 |
| 2 | 2024-04 | 1615.22 | 281.89 | 1333.33 | 77333.33 |
| 3 | 2024-05 | 1610.44 | 277.11 | 1333.33 | 76000.00 |
| 4 | 2024-06 | 1605.67 | 272.33 | 1333.33 | 74666.67 |
| 5 | 2024-07 | 1600.89 | 267.56 | 1333.33 | 73333.33 |
| 6 | 2024-08 | 1596.11 | 262.78 | 1333.33 | 72000.00 |
| 7 | 2024-09 | 1591.33 | 258.00 | 1333.33 | 70666.67 |
| 8 | 2024-10 | 1586.56 | 253.22 | 1333.33 | 69333.33 |
| 9 | 2024-11 | 1581.78 | 248.44 | 1333.33 | 68000.00 |
| 10 | 2024-12 | 1577.00 | 243.67 | 1333.33 | 66666.67 |
| 11 | 2025-01 | 1572.22 | 238.89 | 1333.33 | 65333.33 |
| 12 | 2025-02 | 1567.44 | 234.11 | 1333.33 | 64000.00 |
| 13 | 2025-03 | 1562.67 | 229.33 | 1333.33 | 62666.67 |
| 14 | 2025-04 | 1557.89 | 224.56 | 1333.33 | 61333.33 |
| 15 | 2025-05 | 1553.11 | 219.78 | 1333.33 | 60000.00 |
| 16 | 2025-06 | 1548.33 | 215.00 | 1333.33 | 58666.67 |
| 17 | 2025-07 | 1543.56 | 210.22 | 1333.33 | 57333.33 |
| 18 | 2025-08 | 1538.78 | 205.44 | 1333.33 | 56000.00 |
| 19 | 2025-09 | 1534.00 | 200.67 | 1333.33 | 54666.67 |
| 20 | 2025-10 | 1529.22 | 195.89 | 1333.33 | 53333.33 |
| 21 | 2025-11 | 1524.44 | 191.11 | 1333.33 | 52000.00 |
| 22 | 2025-12 | 1519.67 | 186.33 | 1333.33 | 50666.67 |
| 23 | 2026-01 | 1514.89 | 181.56 | 1333.33 | 49333.33 |
| 24 | 2026-02 | 1510.11 | 176.78 | 1333.33 | 48000.00 |
| 25 | 2026-03 | 1505.33 | 172.00 | 1333.33 | 46666.67 |
| 26 | 2026-04 | 1500.56 | 167.22 | 1333.33 | 45333.33 |
| 27 | 2026-05 | 1495.78 | 162.44 | 1333.33 | 44000.00 |
| 28 | 2026-06 | 1491.00 | 157.67 | 1333.33 | 42666.67 |
| 29 | 2026-07 | 1486.22 | 152.89 | 1333.33 | 41333.33 |
| 30 | 2026-08 | 1481.44 | 148.11 | 1333.33 | 40000.00 |
| 31 | 2026-09 | 1476.67 | 143.33 | 1333.33 | 38666.67 |
| 32 | 2026-10 | 1471.89 | 138.56 | 1333.33 | 37333.33 |
| 33 | 2026-11 | 1467.11 | 133.78 | 1333.33 | 36000.00 |
| 34 | 2026-12 | 1462.33 | 129.00 | 1333.33 | 34666.67 |
| 35 | 2027-01 | 1457.56 | 124.22 | 1333.33 | 33333.33 |
| 36 | 2027-02 | 1452.78 | 119.44 | 1333.33 | 32000.00 |
| 37 | 2027-03 | 1448.00 | 114.67 | 1333.33 | 30666.67 |
| 38 | 2027-04 | 1443.22 | 109.89 | 1333.33 | 29333.33 |
| 39 | 2027-05 | 1438.44 | 105.11 | 1333.33 | 28000.00 |
| 40 | 2027-06 | 1433.67 | 100.33 | 1333.33 | 26666.67 |
| 41 | 2027-07 | 1428.89 | 95.56 | 1333.33 | 25333.33 |
| 42 | 2027-08 | 1424.11 | 90.78 | 1333.33 | 24000.00 |
| 43 | 2027-09 | 1419.33 | 86.00 | 1333.33 | 22666.67 |
| 44 | 2027-10 | 1414.56 | 81.22 | 1333.33 | 21333.33 |
| 45 | 2027-11 | 1409.78 | 76.44 | 1333.33 | 20000.00 |
| 46 | 2027-12 | 1405.00 | 71.67 | 1333.33 | 18666.67 |
| 47 | 2028-01 | 1400.22 | 66.89 | 1333.33 | 17333.33 |
| 48 | 2028-02 | 1395.44 | 62.11 | 1333.33 | 16000.00 |
| 49 | 2028-03 | 1390.67 | 57.33 | 1333.33 | 14666.67 |
| 50 | 2028-04 | 1385.89 | 52.56 | 1333.33 | 13333.33 |
| 51 | 2028-05 | 1381.11 | 47.78 | 1333.33 | 12000.00 |
| 52 | 2028-06 | 1376.33 | 43.00 | 1333.33 | 10666.67 |
| 53 | 2028-07 | 1371.56 | 38.22 | 1333.33 | 9333.33 |
| 54 | 2028-08 | 1366.78 | 33.44 | 1333.33 | 8000.00 |
| 55 | 2028-09 | 1362.00 | 28.67 | 1333.33 | 6666.67 |
| 56 | 2028-10 | 1357.22 | 23.89 | 1333.33 | 5333.33 |
| 57 | 2028-11 | 1352.44 | 19.11 | 1333.33 | 4000.00 |
| 58 | 2028-12 | 1347.67 | 14.33 | 1333.33 | 2666.67 |
| 59 | 2029-01 | 1342.89 | 9.56 | 1333.33 | 1333.33 |
| 60 | 2029-02 | 1338.11 | 4.78 | 1333.33 | 0.00 |