贷款1万（商业贷款）房贷，还款2年8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：1万
还款月数：2年8个月
每月还款：327.1元
利息总额：467.26元
本息合计：1.05万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 327.10 | 27.92 | 299.19 | 9700.81 |
| 2 | 2025-02 | 327.10 | 27.08 | 300.02 | 9400.79 |
| 3 | 2025-03 | 327.10 | 26.24 | 300.86 | 9099.94 |
| 4 | 2025-04 | 327.10 | 25.40 | 301.70 | 8798.24 |
| 5 | 2025-05 | 327.10 | 24.56 | 302.54 | 8495.70 |
| 6 | 2025-06 | 327.10 | 23.72 | 303.38 | 8192.31 |
| 7 | 2025-07 | 327.10 | 22.87 | 304.23 | 7888.08 |
| 8 | 2025-08 | 327.10 | 22.02 | 305.08 | 7583.00 |
| 9 | 2025-09 | 327.10 | 21.17 | 305.93 | 7277.07 |
| 10 | 2025-10 | 327.10 | 20.32 | 306.79 | 6970.28 |
| 11 | 2025-11 | 327.10 | 19.46 | 307.64 | 6662.64 |
| 12 | 2025-12 | 327.10 | 18.60 | 308.50 | 6354.14 |
| 13 | 2026-01 | 327.10 | 17.74 | 309.36 | 6044.77 |
| 14 | 2026-02 | 327.10 | 16.87 | 310.23 | 5734.55 |
| 15 | 2026-03 | 327.10 | 16.01 | 311.09 | 5423.45 |
| 16 | 2026-04 | 327.10 | 15.14 | 311.96 | 5111.49 |
| 17 | 2026-05 | 327.10 | 14.27 | 312.83 | 4798.66 |
| 18 | 2026-06 | 327.10 | 13.40 | 313.71 | 4484.95 |
| 19 | 2026-07 | 327.10 | 12.52 | 314.58 | 4170.37 |
| 20 | 2026-08 | 327.10 | 11.64 | 315.46 | 3854.91 |
| 21 | 2026-09 | 327.10 | 10.76 | 316.34 | 3538.57 |
| 22 | 2026-10 | 327.10 | 9.88 | 317.22 | 3221.35 |
| 23 | 2026-11 | 327.10 | 8.99 | 318.11 | 2903.24 |
| 24 | 2026-12 | 327.10 | 8.10 | 319.00 | 2584.24 |
| 25 | 2027-01 | 327.10 | 7.21 | 319.89 | 2264.36 |
| 26 | 2027-02 | 327.10 | 6.32 | 320.78 | 1943.58 |
| 27 | 2027-03 | 327.10 | 5.43 | 321.68 | 1621.90 |
| 28 | 2027-04 | 327.10 | 4.53 | 322.57 | 1299.33 |
| 29 | 2027-05 | 327.10 | 3.63 | 323.47 | 975.85 |
| 30 | 2027-06 | 327.10 | 2.72 | 324.38 | 651.47 |
| 31 | 2027-07 | 327.10 | 1.82 | 325.28 | 326.19 |
| 32 | 2027-08 | 327.10 | 0.91 | 326.19 | 0.00 |
等额本金还款方式：
贷款总额：1万
还款月数：2年8个月
首月还款：340.42元
每月递减：0.87元
利息总额：460.63元
本息合计：1.05万
节省利息：6.63元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 340.42 | 27.92 | 312.50 | 9687.50 |
| 2 | 2025-02 | 339.54 | 27.04 | 312.50 | 9375.00 |
| 3 | 2025-03 | 338.67 | 26.17 | 312.50 | 9062.50 |
| 4 | 2025-04 | 337.80 | 25.30 | 312.50 | 8750.00 |
| 5 | 2025-05 | 336.93 | 24.43 | 312.50 | 8437.50 |
| 6 | 2025-06 | 336.05 | 23.55 | 312.50 | 8125.00 |
| 7 | 2025-07 | 335.18 | 22.68 | 312.50 | 7812.50 |
| 8 | 2025-08 | 334.31 | 21.81 | 312.50 | 7500.00 |
| 9 | 2025-09 | 333.44 | 20.94 | 312.50 | 7187.50 |
| 10 | 2025-10 | 332.57 | 20.07 | 312.50 | 6875.00 |
| 11 | 2025-11 | 331.69 | 19.19 | 312.50 | 6562.50 |
| 12 | 2025-12 | 330.82 | 18.32 | 312.50 | 6250.00 |
| 13 | 2026-01 | 329.95 | 17.45 | 312.50 | 5937.50 |
| 14 | 2026-02 | 329.08 | 16.58 | 312.50 | 5625.00 |
| 15 | 2026-03 | 328.20 | 15.70 | 312.50 | 5312.50 |
| 16 | 2026-04 | 327.33 | 14.83 | 312.50 | 5000.00 |
| 17 | 2026-05 | 326.46 | 13.96 | 312.50 | 4687.50 |
| 18 | 2026-06 | 325.59 | 13.09 | 312.50 | 4375.00 |
| 19 | 2026-07 | 324.71 | 12.21 | 312.50 | 4062.50 |
| 20 | 2026-08 | 323.84 | 11.34 | 312.50 | 3750.00 |
| 21 | 2026-09 | 322.97 | 10.47 | 312.50 | 3437.50 |
| 22 | 2026-10 | 322.10 | 9.60 | 312.50 | 3125.00 |
| 23 | 2026-11 | 321.22 | 8.72 | 312.50 | 2812.50 |
| 24 | 2026-12 | 320.35 | 7.85 | 312.50 | 2500.00 |
| 25 | 2027-01 | 319.48 | 6.98 | 312.50 | 2187.50 |
| 26 | 2027-02 | 318.61 | 6.11 | 312.50 | 1875.00 |
| 27 | 2027-03 | 317.73 | 5.23 | 312.50 | 1562.50 |
| 28 | 2027-04 | 316.86 | 4.36 | 312.50 | 1250.00 |
| 29 | 2027-05 | 315.99 | 3.49 | 312.50 | 937.50 |
| 30 | 2027-06 | 315.12 | 2.62 | 312.50 | 625.00 |
| 31 | 2027-07 | 314.24 | 1.74 | 312.50 | 312.50 |
| 32 | 2027-08 | 313.37 | 0.87 | 312.50 | 0.00 |