解析：
贷款12.33万（商业贷款）的房贷，还款2年8个月的等额本息和等额本金，两种还款方式明细说明。
方式一：等额本息还款方式：
贷款总额：12.33万
还款月数：2年8个月
每月还款：4045.29元
利息总额：6112.26元
本息合计：12.94万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 4045.29 | 364.87 | 3680.42 | 119656.58 |
| 2 | 2024-11 | 4045.29 | 353.98 | 3691.31 | 115965.28 |
| 3 | 2024-12 | 4045.29 | 343.06 | 3702.23 | 112263.05 |
| 4 | 2025-01 | 4045.29 | 332.11 | 3713.18 | 108549.87 |
| 5 | 2025-02 | 4045.29 | 321.13 | 3724.16 | 104825.71 |
| 6 | 2025-03 | 4045.29 | 310.11 | 3735.18 | 101090.53 |
| 7 | 2025-04 | 4045.29 | 299.06 | 3746.23 | 97344.30 |
| 8 | 2025-05 | 4045.29 | 287.98 | 3757.31 | 93586.99 |
| 9 | 2025-06 | 4045.29 | 276.86 | 3768.43 | 89818.56 |
| 10 | 2025-07 | 4045.29 | 265.71 | 3779.58 | 86038.99 |
| 11 | 2025-08 | 4045.29 | 254.53 | 3790.76 | 82248.23 |
| 12 | 2025-09 | 4045.29 | 243.32 | 3801.97 | 78446.26 |
| 13 | 2025-10 | 4045.29 | 232.07 | 3813.22 | 74633.04 |
| 14 | 2025-11 | 4045.29 | 220.79 | 3824.50 | 70808.54 |
| 15 | 2025-12 | 4045.29 | 209.48 | 3835.81 | 66972.72 |
| 16 | 2026-01 | 4045.29 | 198.13 | 3847.16 | 63125.56 |
| 17 | 2026-02 | 4045.29 | 186.75 | 3858.54 | 59267.02 |
| 18 | 2026-03 | 4045.29 | 175.33 | 3869.96 | 55397.06 |
| 19 | 2026-04 | 4045.29 | 163.88 | 3881.41 | 51515.66 |
| 20 | 2026-05 | 4045.29 | 152.40 | 3892.89 | 47622.77 |
| 21 | 2026-06 | 4045.29 | 140.88 | 3904.41 | 43718.36 |
| 22 | 2026-07 | 4045.29 | 129.33 | 3915.96 | 39802.41 |
| 23 | 2026-08 | 4045.29 | 117.75 | 3927.54 | 35874.86 |
| 24 | 2026-09 | 4045.29 | 106.13 | 3939.16 | 31935.71 |
| 25 | 2026-10 | 4045.29 | 94.48 | 3950.81 | 27984.89 |
| 26 | 2026-11 | 4045.29 | 82.79 | 3962.50 | 24022.39 |
| 27 | 2026-12 | 4045.29 | 71.07 | 3974.22 | 20048.17 |
| 28 | 2027-01 | 4045.29 | 59.31 | 3985.98 | 16062.19 |
| 29 | 2027-02 | 4045.29 | 47.52 | 3997.77 | 12064.42 |
| 30 | 2027-03 | 4045.29 | 35.69 | 4009.60 | 8054.82 |
| 31 | 2027-04 | 4045.29 | 23.83 | 4021.46 | 4033.36 |
| 32 | 2027-05 | 4045.29 | 11.93 | 4033.36 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：12.33万
还款月数：2年8个月
首月还款：4219.15元
每月递减：11.4元
利息总额：6020.39元
本息合计：12.94万
节省利息：91.87元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 4219.15 | 364.87 | 3854.28 | 119482.72 |
| 2 | 2024-11 | 4207.75 | 353.47 | 3854.28 | 115628.44 |
| 3 | 2024-12 | 4196.35 | 342.07 | 3854.28 | 111774.16 |
| 4 | 2025-01 | 4184.95 | 330.67 | 3854.28 | 107919.88 |
| 5 | 2025-02 | 4173.54 | 319.26 | 3854.28 | 104065.59 |
| 6 | 2025-03 | 4162.14 | 307.86 | 3854.28 | 100211.31 |
| 7 | 2025-04 | 4150.74 | 296.46 | 3854.28 | 96357.03 |
| 8 | 2025-05 | 4139.34 | 285.06 | 3854.28 | 92502.75 |
| 9 | 2025-06 | 4127.94 | 273.65 | 3854.28 | 88648.47 |
| 10 | 2025-07 | 4116.53 | 262.25 | 3854.28 | 84794.19 |
| 11 | 2025-08 | 4105.13 | 250.85 | 3854.28 | 80939.91 |
| 12 | 2025-09 | 4093.73 | 239.45 | 3854.28 | 77085.63 |
| 13 | 2025-10 | 4082.33 | 228.04 | 3854.28 | 73231.34 |
| 14 | 2025-11 | 4070.92 | 216.64 | 3854.28 | 69377.06 |
| 15 | 2025-12 | 4059.52 | 205.24 | 3854.28 | 65522.78 |
| 16 | 2026-01 | 4048.12 | 193.84 | 3854.28 | 61668.50 |
| 17 | 2026-02 | 4036.72 | 182.44 | 3854.28 | 57814.22 |
| 18 | 2026-03 | 4025.31 | 171.03 | 3854.28 | 53959.94 |
| 19 | 2026-04 | 4013.91 | 159.63 | 3854.28 | 50105.66 |
| 20 | 2026-05 | 4002.51 | 148.23 | 3854.28 | 46251.38 |
| 21 | 2026-06 | 3991.11 | 136.83 | 3854.28 | 42397.09 |
| 22 | 2026-07 | 3979.71 | 125.42 | 3854.28 | 38542.81 |
| 23 | 2026-08 | 3968.30 | 114.02 | 3854.28 | 34688.53 |
| 24 | 2026-09 | 3956.90 | 102.62 | 3854.28 | 30834.25 |
| 25 | 2026-10 | 3945.50 | 91.22 | 3854.28 | 26979.97 |
| 26 | 2026-11 | 3934.10 | 79.82 | 3854.28 | 23125.69 |
| 27 | 2026-12 | 3922.69 | 68.41 | 3854.28 | 19271.41 |
| 28 | 2027-01 | 3911.29 | 57.01 | 3854.28 | 15417.13 |
| 29 | 2027-02 | 3899.89 | 45.61 | 3854.28 | 11562.84 |
| 30 | 2027-03 | 3888.49 | 34.21 | 3854.28 | 7708.56 |
| 31 | 2027-04 | 3877.09 | 22.80 | 3854.28 | 3854.28 |
| 32 | 2027-05 | 3865.68 | 11.40 | 3854.28 | 0.00 |