解析：
贷款81万（商业贷款）的房贷，还款3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：81万
还款月数：3年
每月还款：23752.62元
利息总额：4.51万
本息合计：85.51万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2020-10 | 23752.62 | 2396.25 | 21356.37 | 788643.63 |
| 2 | 2020-11 | 23752.62 | 2333.07 | 21419.55 | 767224.08 |
| 3 | 2020-12 | 23752.62 | 2269.70 | 21482.92 | 745741.16 |
| 4 | 2021-01 | 23752.62 | 2206.15 | 21546.47 | 724194.69 |
| 5 | 2021-02 | 23752.62 | 2142.41 | 21610.21 | 702584.48 |
| 6 | 2021-03 | 23752.62 | 2078.48 | 21674.14 | 680910.34 |
| 7 | 2021-04 | 23752.62 | 2014.36 | 21738.26 | 659172.08 |
| 8 | 2021-05 | 23752.62 | 1950.05 | 21802.57 | 637369.51 |
| 9 | 2021-06 | 23752.62 | 1885.55 | 21867.07 | 615502.44 |
| 10 | 2021-07 | 23752.62 | 1820.86 | 21931.76 | 593570.68 |
| 11 | 2021-08 | 23752.62 | 1755.98 | 21996.64 | 571574.03 |
| 12 | 2021-09 | 23752.62 | 1690.91 | 22061.71 | 549512.32 |
| 13 | 2021-10 | 23752.62 | 1625.64 | 22126.98 | 527385.34 |
| 14 | 2021-11 | 23752.62 | 1560.18 | 22192.44 | 505192.90 |
| 15 | 2021-12 | 23752.62 | 1494.53 | 22258.09 | 482934.81 |
| 16 | 2022-01 | 23752.62 | 1428.68 | 22323.94 | 460610.87 |
| 17 | 2022-02 | 23752.62 | 1362.64 | 22389.98 | 438220.89 |
| 18 | 2022-03 | 23752.62 | 1296.40 | 22456.22 | 415764.67 |
| 19 | 2022-04 | 23752.62 | 1229.97 | 22522.65 | 393242.02 |
| 20 | 2022-05 | 23752.62 | 1163.34 | 22589.28 | 370652.74 |
| 21 | 2022-06 | 23752.62 | 1096.51 | 22656.11 | 347996.63 |
| 22 | 2022-07 | 23752.62 | 1029.49 | 22723.13 | 325273.50 |
| 23 | 2022-08 | 23752.62 | 962.27 | 22790.35 | 302483.15 |
| 24 | 2022-09 | 23752.62 | 894.85 | 22857.78 | 279625.37 |
| 25 | 2022-10 | 23752.62 | 827.23 | 22925.40 | 256699.98 |
| 26 | 2022-11 | 23752.62 | 759.40 | 22993.22 | 233706.76 |
| 27 | 2022-12 | 23752.62 | 691.38 | 23061.24 | 210645.52 |
| 28 | 2023-01 | 23752.62 | 623.16 | 23129.46 | 187516.06 |
| 29 | 2023-02 | 23752.62 | 554.74 | 23197.89 | 164318.17 |
| 30 | 2023-03 | 23752.62 | 486.11 | 23266.51 | 141051.66 |
| 31 | 2023-04 | 23752.62 | 417.28 | 23335.34 | 117716.32 |
| 32 | 2023-05 | 23752.62 | 348.24 | 23404.38 | 94311.94 |
| 33 | 2023-06 | 23752.62 | 279.01 | 23473.62 | 70838.32 |
| 34 | 2023-07 | 23752.62 | 209.56 | 23543.06 | 47295.27 |
| 35 | 2023-08 | 23752.62 | 139.92 | 23612.71 | 23682.56 |
| 36 | 2023-09 | 23752.62 | 70.06 | 23682.56 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：81万
还款月数：3年
首月还款：24896.25元
每月递减：66.56元
利息总额：4.43万
本息合计：85.43万
节省利息：763.74元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2020-10 | 24896.25 | 2396.25 | 22500.00 | 787500.00 |
| 2 | 2020-11 | 24829.69 | 2329.69 | 22500.00 | 765000.00 |
| 3 | 2020-12 | 24763.13 | 2263.13 | 22500.00 | 742500.00 |
| 4 | 2021-01 | 24696.56 | 2196.56 | 22500.00 | 720000.00 |
| 5 | 2021-02 | 24630.00 | 2130.00 | 22500.00 | 697500.00 |
| 6 | 2021-03 | 24563.44 | 2063.44 | 22500.00 | 675000.00 |
| 7 | 2021-04 | 24496.88 | 1996.88 | 22500.00 | 652500.00 |
| 8 | 2021-05 | 24430.31 | 1930.31 | 22500.00 | 630000.00 |
| 9 | 2021-06 | 24363.75 | 1863.75 | 22500.00 | 607500.00 |
| 10 | 2021-07 | 24297.19 | 1797.19 | 22500.00 | 585000.00 |
| 11 | 2021-08 | 24230.63 | 1730.63 | 22500.00 | 562500.00 |
| 12 | 2021-09 | 24164.06 | 1664.06 | 22500.00 | 540000.00 |
| 13 | 2021-10 | 24097.50 | 1597.50 | 22500.00 | 517500.00 |
| 14 | 2021-11 | 24030.94 | 1530.94 | 22500.00 | 495000.00 |
| 15 | 2021-12 | 23964.38 | 1464.38 | 22500.00 | 472500.00 |
| 16 | 2022-01 | 23897.81 | 1397.81 | 22500.00 | 450000.00 |
| 17 | 2022-02 | 23831.25 | 1331.25 | 22500.00 | 427500.00 |
| 18 | 2022-03 | 23764.69 | 1264.69 | 22500.00 | 405000.00 |
| 19 | 2022-04 | 23698.13 | 1198.13 | 22500.00 | 382500.00 |
| 20 | 2022-05 | 23631.56 | 1131.56 | 22500.00 | 360000.00 |
| 21 | 2022-06 | 23565.00 | 1065.00 | 22500.00 | 337500.00 |
| 22 | 2022-07 | 23498.44 | 998.44 | 22500.00 | 315000.00 |
| 23 | 2022-08 | 23431.88 | 931.88 | 22500.00 | 292500.00 |
| 24 | 2022-09 | 23365.31 | 865.31 | 22500.00 | 270000.00 |
| 25 | 2022-10 | 23298.75 | 798.75 | 22500.00 | 247500.00 |
| 26 | 2022-11 | 23232.19 | 732.19 | 22500.00 | 225000.00 |
| 27 | 2022-12 | 23165.63 | 665.63 | 22500.00 | 202500.00 |
| 28 | 2023-01 | 23099.06 | 599.06 | 22500.00 | 180000.00 |
| 29 | 2023-02 | 23032.50 | 532.50 | 22500.00 | 157500.00 |
| 30 | 2023-03 | 22965.94 | 465.94 | 22500.00 | 135000.00 |
| 31 | 2023-04 | 22899.38 | 399.38 | 22500.00 | 112500.00 |
| 32 | 2023-05 | 22832.81 | 332.81 | 22500.00 | 90000.00 |
| 33 | 2023-06 | 22766.25 | 266.25 | 22500.00 | 67500.00 |
| 34 | 2023-07 | 22699.69 | 199.69 | 22500.00 | 45000.00 |
| 35 | 2023-08 | 22633.13 | 133.13 | 22500.00 | 22500.00 |
| 36 | 2023-09 | 22566.56 | 66.56 | 22500.00 | 0.00 |