解析：
贷款36万（商业贷款）的房贷，还款8年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：36万
还款月数：8年
每月还款：4280.12元
利息总额：5.09万
本息合计：41.09万
| 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 | 4280.12 | 1005.00 | 3275.12 | 356724.88 |
| 2 | 2024-11 | 4280.12 | 995.86 | 3284.26 | 353440.62 |
| 3 | 2024-12 | 4280.12 | 986.69 | 3293.43 | 350147.19 |
| 4 | 2025-01 | 4280.12 | 977.49 | 3302.62 | 346844.56 |
| 5 | 2025-02 | 4280.12 | 968.27 | 3311.84 | 343532.72 |
| 6 | 2025-03 | 4280.12 | 959.03 | 3321.09 | 340211.63 |
| 7 | 2025-04 | 4280.12 | 949.76 | 3330.36 | 336881.27 |
| 8 | 2025-05 | 4280.12 | 940.46 | 3339.66 | 333541.61 |
| 9 | 2025-06 | 4280.12 | 931.14 | 3348.98 | 330192.63 |
| 10 | 2025-07 | 4280.12 | 921.79 | 3358.33 | 326834.30 |
| 11 | 2025-08 | 4280.12 | 912.41 | 3367.71 | 323466.59 |
| 12 | 2025-09 | 4280.12 | 903.01 | 3377.11 | 320089.48 |
| 13 | 2025-10 | 4280.12 | 893.58 | 3386.54 | 316702.95 |
| 14 | 2025-11 | 4280.12 | 884.13 | 3395.99 | 313306.96 |
| 15 | 2025-12 | 4280.12 | 874.65 | 3405.47 | 309901.48 |
| 16 | 2026-01 | 4280.12 | 865.14 | 3414.98 | 306486.51 |
| 17 | 2026-02 | 4280.12 | 855.61 | 3424.51 | 303062.00 |
| 18 | 2026-03 | 4280.12 | 846.05 | 3434.07 | 299627.93 |
| 19 | 2026-04 | 4280.12 | 836.46 | 3443.66 | 296184.27 |
| 20 | 2026-05 | 4280.12 | 826.85 | 3453.27 | 292731.00 |
| 21 | 2026-06 | 4280.12 | 817.21 | 3462.91 | 289268.09 |
| 22 | 2026-07 | 4280.12 | 807.54 | 3472.58 | 285795.51 |
| 23 | 2026-08 | 4280.12 | 797.85 | 3482.27 | 282313.23 |
| 24 | 2026-09 | 4280.12 | 788.12 | 3491.99 | 278821.24 |
| 25 | 2026-10 | 4280.12 | 778.38 | 3501.74 | 275319.50 |
| 26 | 2026-11 | 4280.12 | 768.60 | 3511.52 | 271807.98 |
| 27 | 2026-12 | 4280.12 | 758.80 | 3521.32 | 268286.66 |
| 28 | 2027-01 | 4280.12 | 748.97 | 3531.15 | 264755.50 |
| 29 | 2027-02 | 4280.12 | 739.11 | 3541.01 | 261214.49 |
| 30 | 2027-03 | 4280.12 | 729.22 | 3550.90 | 257663.60 |
| 31 | 2027-04 | 4280.12 | 719.31 | 3560.81 | 254102.79 |
| 32 | 2027-05 | 4280.12 | 709.37 | 3570.75 | 250532.04 |
| 33 | 2027-06 | 4280.12 | 699.40 | 3580.72 | 246951.32 |
| 34 | 2027-07 | 4280.12 | 689.41 | 3590.71 | 243360.61 |
| 35 | 2027-08 | 4280.12 | 679.38 | 3600.74 | 239759.87 |
| 36 | 2027-09 | 4280.12 | 669.33 | 3610.79 | 236149.08 |
| 37 | 2027-10 | 4280.12 | 659.25 | 3620.87 | 232528.22 |
| 38 | 2027-11 | 4280.12 | 649.14 | 3630.98 | 228897.24 |
| 39 | 2027-12 | 4280.12 | 639.00 | 3641.11 | 225256.12 |
| 40 | 2028-01 | 4280.12 | 628.84 | 3651.28 | 221604.84 |
| 41 | 2028-02 | 4280.12 | 618.65 | 3661.47 | 217943.37 |
| 42 | 2028-03 | 4280.12 | 608.43 | 3671.69 | 214271.68 |
| 43 | 2028-04 | 4280.12 | 598.18 | 3681.94 | 210589.73 |
| 44 | 2028-05 | 4280.12 | 587.90 | 3692.22 | 206897.51 |
| 45 | 2028-06 | 4280.12 | 577.59 | 3702.53 | 203194.98 |
| 46 | 2028-07 | 4280.12 | 567.25 | 3712.87 | 199482.12 |
| 47 | 2028-08 | 4280.12 | 556.89 | 3723.23 | 195758.88 |
| 48 | 2028-09 | 4280.12 | 546.49 | 3733.63 | 192025.26 |
| 49 | 2028-10 | 4280.12 | 536.07 | 3744.05 | 188281.21 |
| 50 | 2028-11 | 4280.12 | 525.62 | 3754.50 | 184526.71 |
| 51 | 2028-12 | 4280.12 | 515.14 | 3764.98 | 180761.73 |
| 52 | 2029-01 | 4280.12 | 504.63 | 3775.49 | 176986.24 |
| 53 | 2029-02 | 4280.12 | 494.09 | 3786.03 | 173200.20 |
| 54 | 2029-03 | 4280.12 | 483.52 | 3796.60 | 169403.60 |
| 55 | 2029-04 | 4280.12 | 472.92 | 3807.20 | 165596.40 |
| 56 | 2029-05 | 4280.12 | 462.29 | 3817.83 | 161778.57 |
| 57 | 2029-06 | 4280.12 | 451.63 | 3828.49 | 157950.08 |
| 58 | 2029-07 | 4280.12 | 440.94 | 3839.17 | 154110.91 |
| 59 | 2029-08 | 4280.12 | 430.23 | 3849.89 | 150261.02 |
| 60 | 2029-09 | 4280.12 | 419.48 | 3860.64 | 146400.38 |
| 61 | 2029-10 | 4280.12 | 408.70 | 3871.42 | 142528.96 |
| 62 | 2029-11 | 4280.12 | 397.89 | 3882.23 | 138646.73 |
| 63 | 2029-12 | 4280.12 | 387.06 | 3893.06 | 134753.67 |
| 64 | 2030-01 | 4280.12 | 376.19 | 3903.93 | 130849.74 |
| 65 | 2030-02 | 4280.12 | 365.29 | 3914.83 | 126934.91 |
| 66 | 2030-03 | 4280.12 | 354.36 | 3925.76 | 123009.15 |
| 67 | 2030-04 | 4280.12 | 343.40 | 3936.72 | 119072.43 |
| 68 | 2030-05 | 4280.12 | 332.41 | 3947.71 | 115124.72 |
| 69 | 2030-06 | 4280.12 | 321.39 | 3958.73 | 111165.99 |
| 70 | 2030-07 | 4280.12 | 310.34 | 3969.78 | 107196.21 |
| 71 | 2030-08 | 4280.12 | 299.26 | 3980.86 | 103215.35 |
| 72 | 2030-09 | 4280.12 | 288.14 | 3991.98 | 99223.37 |
| 73 | 2030-10 | 4280.12 | 277.00 | 4003.12 | 95220.25 |
| 74 | 2030-11 | 4280.12 | 265.82 | 4014.30 | 91205.96 |
| 75 | 2030-12 | 4280.12 | 254.62 | 4025.50 | 87180.46 |
| 76 | 2031-01 | 4280.12 | 243.38 | 4036.74 | 83143.72 |
| 77 | 2031-02 | 4280.12 | 232.11 | 4048.01 | 79095.71 |
| 78 | 2031-03 | 4280.12 | 220.81 | 4059.31 | 75036.40 |
| 79 | 2031-04 | 4280.12 | 209.48 | 4070.64 | 70965.75 |
| 80 | 2031-05 | 4280.12 | 198.11 | 4082.01 | 66883.75 |
| 81 | 2031-06 | 4280.12 | 186.72 | 4093.40 | 62790.35 |
| 82 | 2031-07 | 4280.12 | 175.29 | 4104.83 | 58685.52 |
| 83 | 2031-08 | 4280.12 | 163.83 | 4116.29 | 54569.23 |
| 84 | 2031-09 | 4280.12 | 152.34 | 4127.78 | 50441.45 |
| 85 | 2031-10 | 4280.12 | 140.82 | 4139.30 | 46302.14 |
| 86 | 2031-11 | 4280.12 | 129.26 | 4150.86 | 42151.29 |
| 87 | 2031-12 | 4280.12 | 117.67 | 4162.45 | 37988.84 |
| 88 | 2032-01 | 4280.12 | 106.05 | 4174.07 | 33814.77 |
| 89 | 2032-02 | 4280.12 | 94.40 | 4185.72 | 29629.05 |
| 90 | 2032-03 | 4280.12 | 82.71 | 4197.40 | 25431.65 |
| 91 | 2032-04 | 4280.12 | 71.00 | 4209.12 | 21222.53 |
| 92 | 2032-05 | 4280.12 | 59.25 | 4220.87 | 17001.65 |
| 93 | 2032-06 | 4280.12 | 47.46 | 4232.66 | 12769.00 |
| 94 | 2032-07 | 4280.12 | 35.65 | 4244.47 | 8524.52 |
| 95 | 2032-08 | 4280.12 | 23.80 | 4256.32 | 4268.20 |
| 96 | 2032-09 | 4280.12 | 11.92 | 4268.20 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：36万
还款月数：8年
首月还款：4755元
每月递减：10.47元
利息总额：4.87万
本息合计：40.87万
节省利息：2148.92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 | 4755.00 | 1005.00 | 3750.00 | 356250.00 |
| 2 | 2024-11 | 4744.53 | 994.53 | 3750.00 | 352500.00 |
| 3 | 2024-12 | 4734.06 | 984.06 | 3750.00 | 348750.00 |
| 4 | 2025-01 | 4723.59 | 973.59 | 3750.00 | 345000.00 |
| 5 | 2025-02 | 4713.13 | 963.13 | 3750.00 | 341250.00 |
| 6 | 2025-03 | 4702.66 | 952.66 | 3750.00 | 337500.00 |
| 7 | 2025-04 | 4692.19 | 942.19 | 3750.00 | 333750.00 |
| 8 | 2025-05 | 4681.72 | 931.72 | 3750.00 | 330000.00 |
| 9 | 2025-06 | 4671.25 | 921.25 | 3750.00 | 326250.00 |
| 10 | 2025-07 | 4660.78 | 910.78 | 3750.00 | 322500.00 |
| 11 | 2025-08 | 4650.31 | 900.31 | 3750.00 | 318750.00 |
| 12 | 2025-09 | 4639.84 | 889.84 | 3750.00 | 315000.00 |
| 13 | 2025-10 | 4629.38 | 879.38 | 3750.00 | 311250.00 |
| 14 | 2025-11 | 4618.91 | 868.91 | 3750.00 | 307500.00 |
| 15 | 2025-12 | 4608.44 | 858.44 | 3750.00 | 303750.00 |
| 16 | 2026-01 | 4597.97 | 847.97 | 3750.00 | 300000.00 |
| 17 | 2026-02 | 4587.50 | 837.50 | 3750.00 | 296250.00 |
| 18 | 2026-03 | 4577.03 | 827.03 | 3750.00 | 292500.00 |
| 19 | 2026-04 | 4566.56 | 816.56 | 3750.00 | 288750.00 |
| 20 | 2026-05 | 4556.09 | 806.09 | 3750.00 | 285000.00 |
| 21 | 2026-06 | 4545.63 | 795.63 | 3750.00 | 281250.00 |
| 22 | 2026-07 | 4535.16 | 785.16 | 3750.00 | 277500.00 |
| 23 | 2026-08 | 4524.69 | 774.69 | 3750.00 | 273750.00 |
| 24 | 2026-09 | 4514.22 | 764.22 | 3750.00 | 270000.00 |
| 25 | 2026-10 | 4503.75 | 753.75 | 3750.00 | 266250.00 |
| 26 | 2026-11 | 4493.28 | 743.28 | 3750.00 | 262500.00 |
| 27 | 2026-12 | 4482.81 | 732.81 | 3750.00 | 258750.00 |
| 28 | 2027-01 | 4472.34 | 722.34 | 3750.00 | 255000.00 |
| 29 | 2027-02 | 4461.88 | 711.88 | 3750.00 | 251250.00 |
| 30 | 2027-03 | 4451.41 | 701.41 | 3750.00 | 247500.00 |
| 31 | 2027-04 | 4440.94 | 690.94 | 3750.00 | 243750.00 |
| 32 | 2027-05 | 4430.47 | 680.47 | 3750.00 | 240000.00 |
| 33 | 2027-06 | 4420.00 | 670.00 | 3750.00 | 236250.00 |
| 34 | 2027-07 | 4409.53 | 659.53 | 3750.00 | 232500.00 |
| 35 | 2027-08 | 4399.06 | 649.06 | 3750.00 | 228750.00 |
| 36 | 2027-09 | 4388.59 | 638.59 | 3750.00 | 225000.00 |
| 37 | 2027-10 | 4378.13 | 628.13 | 3750.00 | 221250.00 |
| 38 | 2027-11 | 4367.66 | 617.66 | 3750.00 | 217500.00 |
| 39 | 2027-12 | 4357.19 | 607.19 | 3750.00 | 213750.00 |
| 40 | 2028-01 | 4346.72 | 596.72 | 3750.00 | 210000.00 |
| 41 | 2028-02 | 4336.25 | 586.25 | 3750.00 | 206250.00 |
| 42 | 2028-03 | 4325.78 | 575.78 | 3750.00 | 202500.00 |
| 43 | 2028-04 | 4315.31 | 565.31 | 3750.00 | 198750.00 |
| 44 | 2028-05 | 4304.84 | 554.84 | 3750.00 | 195000.00 |
| 45 | 2028-06 | 4294.38 | 544.38 | 3750.00 | 191250.00 |
| 46 | 2028-07 | 4283.91 | 533.91 | 3750.00 | 187500.00 |
| 47 | 2028-08 | 4273.44 | 523.44 | 3750.00 | 183750.00 |
| 48 | 2028-09 | 4262.97 | 512.97 | 3750.00 | 180000.00 |
| 49 | 2028-10 | 4252.50 | 502.50 | 3750.00 | 176250.00 |
| 50 | 2028-11 | 4242.03 | 492.03 | 3750.00 | 172500.00 |
| 51 | 2028-12 | 4231.56 | 481.56 | 3750.00 | 168750.00 |
| 52 | 2029-01 | 4221.09 | 471.09 | 3750.00 | 165000.00 |
| 53 | 2029-02 | 4210.63 | 460.63 | 3750.00 | 161250.00 |
| 54 | 2029-03 | 4200.16 | 450.16 | 3750.00 | 157500.00 |
| 55 | 2029-04 | 4189.69 | 439.69 | 3750.00 | 153750.00 |
| 56 | 2029-05 | 4179.22 | 429.22 | 3750.00 | 150000.00 |
| 57 | 2029-06 | 4168.75 | 418.75 | 3750.00 | 146250.00 |
| 58 | 2029-07 | 4158.28 | 408.28 | 3750.00 | 142500.00 |
| 59 | 2029-08 | 4147.81 | 397.81 | 3750.00 | 138750.00 |
| 60 | 2029-09 | 4137.34 | 387.34 | 3750.00 | 135000.00 |
| 61 | 2029-10 | 4126.88 | 376.88 | 3750.00 | 131250.00 |
| 62 | 2029-11 | 4116.41 | 366.41 | 3750.00 | 127500.00 |
| 63 | 2029-12 | 4105.94 | 355.94 | 3750.00 | 123750.00 |
| 64 | 2030-01 | 4095.47 | 345.47 | 3750.00 | 120000.00 |
| 65 | 2030-02 | 4085.00 | 335.00 | 3750.00 | 116250.00 |
| 66 | 2030-03 | 4074.53 | 324.53 | 3750.00 | 112500.00 |
| 67 | 2030-04 | 4064.06 | 314.06 | 3750.00 | 108750.00 |
| 68 | 2030-05 | 4053.59 | 303.59 | 3750.00 | 105000.00 |
| 69 | 2030-06 | 4043.13 | 293.13 | 3750.00 | 101250.00 |
| 70 | 2030-07 | 4032.66 | 282.66 | 3750.00 | 97500.00 |
| 71 | 2030-08 | 4022.19 | 272.19 | 3750.00 | 93750.00 |
| 72 | 2030-09 | 4011.72 | 261.72 | 3750.00 | 90000.00 |
| 73 | 2030-10 | 4001.25 | 251.25 | 3750.00 | 86250.00 |
| 74 | 2030-11 | 3990.78 | 240.78 | 3750.00 | 82500.00 |
| 75 | 2030-12 | 3980.31 | 230.31 | 3750.00 | 78750.00 |
| 76 | 2031-01 | 3969.84 | 219.84 | 3750.00 | 75000.00 |
| 77 | 2031-02 | 3959.38 | 209.38 | 3750.00 | 71250.00 |
| 78 | 2031-03 | 3948.91 | 198.91 | 3750.00 | 67500.00 |
| 79 | 2031-04 | 3938.44 | 188.44 | 3750.00 | 63750.00 |
| 80 | 2031-05 | 3927.97 | 177.97 | 3750.00 | 60000.00 |
| 81 | 2031-06 | 3917.50 | 167.50 | 3750.00 | 56250.00 |
| 82 | 2031-07 | 3907.03 | 157.03 | 3750.00 | 52500.00 |
| 83 | 2031-08 | 3896.56 | 146.56 | 3750.00 | 48750.00 |
| 84 | 2031-09 | 3886.09 | 136.09 | 3750.00 | 45000.00 |
| 85 | 2031-10 | 3875.63 | 125.63 | 3750.00 | 41250.00 |
| 86 | 2031-11 | 3865.16 | 115.16 | 3750.00 | 37500.00 |
| 87 | 2031-12 | 3854.69 | 104.69 | 3750.00 | 33750.00 |
| 88 | 2032-01 | 3844.22 | 94.22 | 3750.00 | 30000.00 |
| 89 | 2032-02 | 3833.75 | 83.75 | 3750.00 | 26250.00 |
| 90 | 2032-03 | 3823.28 | 73.28 | 3750.00 | 22500.00 |
| 91 | 2032-04 | 3812.81 | 62.81 | 3750.00 | 18750.00 |
| 92 | 2032-05 | 3802.34 | 52.34 | 3750.00 | 15000.00 |
| 93 | 2032-06 | 3791.88 | 41.88 | 3750.00 | 11250.00 |
| 94 | 2032-07 | 3781.41 | 31.41 | 3750.00 | 7500.00 |
| 95 | 2032-08 | 3770.94 | 20.94 | 3750.00 | 3750.00 |
| 96 | 2032-09 | 3760.47 | 10.47 | 3750.00 | 0.00 |