解析：
贷款8万（商业贷款）的房贷，还款6年1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：8万
还款月数：6年1个月
每月还款：1220.09元
利息总额：9066.83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 | 2024-10 | 1220.09 | 236.67 | 983.43 | 79016.57 |
| 2 | 2024-11 | 1220.09 | 233.76 | 986.34 | 78030.24 |
| 3 | 2024-12 | 1220.09 | 230.84 | 989.25 | 77040.98 |
| 4 | 2025-01 | 1220.09 | 227.91 | 992.18 | 76048.80 |
| 5 | 2025-02 | 1220.09 | 224.98 | 995.12 | 75053.69 |
| 6 | 2025-03 | 1220.09 | 222.03 | 998.06 | 74055.63 |
| 7 | 2025-04 | 1220.09 | 219.08 | 1001.01 | 73054.61 |
| 8 | 2025-05 | 1220.09 | 216.12 | 1003.97 | 72050.64 |
| 9 | 2025-06 | 1220.09 | 213.15 | 1006.94 | 71043.70 |
| 10 | 2025-07 | 1220.09 | 210.17 | 1009.92 | 70033.77 |
| 11 | 2025-08 | 1220.09 | 207.18 | 1012.91 | 69020.86 |
| 12 | 2025-09 | 1220.09 | 204.19 | 1015.91 | 68004.96 |
| 13 | 2025-10 | 1220.09 | 201.18 | 1018.91 | 66986.04 |
| 14 | 2025-11 | 1220.09 | 198.17 | 1021.93 | 65964.12 |
| 15 | 2025-12 | 1220.09 | 195.14 | 1024.95 | 64939.17 |
| 16 | 2026-01 | 1220.09 | 192.11 | 1027.98 | 63911.19 |
| 17 | 2026-02 | 1220.09 | 189.07 | 1031.02 | 62880.16 |
| 18 | 2026-03 | 1220.09 | 186.02 | 1034.07 | 61846.09 |
| 19 | 2026-04 | 1220.09 | 182.96 | 1037.13 | 60808.96 |
| 20 | 2026-05 | 1220.09 | 179.89 | 1040.20 | 59768.76 |
| 21 | 2026-06 | 1220.09 | 176.82 | 1043.28 | 58725.48 |
| 22 | 2026-07 | 1220.09 | 173.73 | 1046.36 | 57679.12 |
| 23 | 2026-08 | 1220.09 | 170.63 | 1049.46 | 56629.66 |
| 24 | 2026-09 | 1220.09 | 167.53 | 1052.56 | 55577.09 |
| 25 | 2026-10 | 1220.09 | 164.42 | 1055.68 | 54521.42 |
| 26 | 2026-11 | 1220.09 | 161.29 | 1058.80 | 53462.61 |
| 27 | 2026-12 | 1220.09 | 158.16 | 1061.93 | 52400.68 |
| 28 | 2027-01 | 1220.09 | 155.02 | 1065.07 | 51335.61 |
| 29 | 2027-02 | 1220.09 | 151.87 | 1068.23 | 50267.38 |
| 30 | 2027-03 | 1220.09 | 148.71 | 1071.39 | 49195.99 |
| 31 | 2027-04 | 1220.09 | 145.54 | 1074.56 | 48121.44 |
| 32 | 2027-05 | 1220.09 | 142.36 | 1077.73 | 47043.70 |
| 33 | 2027-06 | 1220.09 | 139.17 | 1080.92 | 45962.78 |
| 34 | 2027-07 | 1220.09 | 135.97 | 1084.12 | 44878.66 |
| 35 | 2027-08 | 1220.09 | 132.77 | 1087.33 | 43791.33 |
| 36 | 2027-09 | 1220.09 | 129.55 | 1090.54 | 42700.79 |
| 37 | 2027-10 | 1220.09 | 126.32 | 1093.77 | 41607.02 |
| 38 | 2027-11 | 1220.09 | 123.09 | 1097.01 | 40510.01 |
| 39 | 2027-12 | 1220.09 | 119.84 | 1100.25 | 39409.76 |
| 40 | 2028-01 | 1220.09 | 116.59 | 1103.51 | 38306.26 |
| 41 | 2028-02 | 1220.09 | 113.32 | 1106.77 | 37199.48 |
| 42 | 2028-03 | 1220.09 | 110.05 | 1110.05 | 36089.44 |
| 43 | 2028-04 | 1220.09 | 106.76 | 1113.33 | 34976.11 |
| 44 | 2028-05 | 1220.09 | 103.47 | 1116.62 | 33859.49 |
| 45 | 2028-06 | 1220.09 | 100.17 | 1119.93 | 32739.56 |
| 46 | 2028-07 | 1220.09 | 96.85 | 1123.24 | 31616.32 |
| 47 | 2028-08 | 1220.09 | 93.53 | 1126.56 | 30489.76 |
| 48 | 2028-09 | 1220.09 | 90.20 | 1129.89 | 29359.87 |
| 49 | 2028-10 | 1220.09 | 86.86 | 1133.24 | 28226.63 |
| 50 | 2028-11 | 1220.09 | 83.50 | 1136.59 | 27090.04 |
| 51 | 2028-12 | 1220.09 | 80.14 | 1139.95 | 25950.09 |
| 52 | 2029-01 | 1220.09 | 76.77 | 1143.32 | 24806.76 |
| 53 | 2029-02 | 1220.09 | 73.39 | 1146.71 | 23660.06 |
| 54 | 2029-03 | 1220.09 | 69.99 | 1150.10 | 22509.96 |
| 55 | 2029-04 | 1220.09 | 66.59 | 1153.50 | 21356.46 |
| 56 | 2029-05 | 1220.09 | 63.18 | 1156.91 | 20199.54 |
| 57 | 2029-06 | 1220.09 | 59.76 | 1160.34 | 19039.20 |
| 58 | 2029-07 | 1220.09 | 56.32 | 1163.77 | 17875.44 |
| 59 | 2029-08 | 1220.09 | 52.88 | 1167.21 | 16708.22 |
| 60 | 2029-09 | 1220.09 | 49.43 | 1170.67 | 15537.56 |
| 61 | 2029-10 | 1220.09 | 45.97 | 1174.13 | 14363.43 |
| 62 | 2029-11 | 1220.09 | 42.49 | 1177.60 | 13185.83 |
| 63 | 2029-12 | 1220.09 | 39.01 | 1181.09 | 12004.74 |
| 64 | 2030-01 | 1220.09 | 35.51 | 1184.58 | 10820.16 |
| 65 | 2030-02 | 1220.09 | 32.01 | 1188.08 | 9632.08 |
| 66 | 2030-03 | 1220.09 | 28.49 | 1191.60 | 8440.48 |
| 67 | 2030-04 | 1220.09 | 24.97 | 1195.12 | 7245.36 |
| 68 | 2030-05 | 1220.09 | 21.43 | 1198.66 | 6046.70 |
| 69 | 2030-06 | 1220.09 | 17.89 | 1202.21 | 4844.49 |
| 70 | 2030-07 | 1220.09 | 14.33 | 1205.76 | 3638.73 |
| 71 | 2030-08 | 1220.09 | 10.76 | 1209.33 | 2429.40 |
| 72 | 2030-09 | 1220.09 | 7.19 | 1212.91 | 1216.49 |
| 73 | 2030-10 | 1220.09 | 3.60 | 1216.49 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：8万
还款月数：6年1个月
首月还款：1332.56元
每月递减：3.24元
利息总额：8756.67元
本息合计：8.88万
节省利息：310.16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 | 1332.56 | 236.67 | 1095.89 | 78904.11 |
| 2 | 2024-11 | 1329.32 | 233.42 | 1095.89 | 77808.22 |
| 3 | 2024-12 | 1326.07 | 230.18 | 1095.89 | 76712.33 |
| 4 | 2025-01 | 1322.83 | 226.94 | 1095.89 | 75616.44 |
| 5 | 2025-02 | 1319.59 | 223.70 | 1095.89 | 74520.55 |
| 6 | 2025-03 | 1316.35 | 220.46 | 1095.89 | 73424.66 |
| 7 | 2025-04 | 1313.11 | 217.21 | 1095.89 | 72328.77 |
| 8 | 2025-05 | 1309.86 | 213.97 | 1095.89 | 71232.88 |
| 9 | 2025-06 | 1306.62 | 210.73 | 1095.89 | 70136.99 |
| 10 | 2025-07 | 1303.38 | 207.49 | 1095.89 | 69041.10 |
| 11 | 2025-08 | 1300.14 | 204.25 | 1095.89 | 67945.21 |
| 12 | 2025-09 | 1296.89 | 201.00 | 1095.89 | 66849.32 |
| 13 | 2025-10 | 1293.65 | 197.76 | 1095.89 | 65753.42 |
| 14 | 2025-11 | 1290.41 | 194.52 | 1095.89 | 64657.53 |
| 15 | 2025-12 | 1287.17 | 191.28 | 1095.89 | 63561.64 |
| 16 | 2026-01 | 1283.93 | 188.04 | 1095.89 | 62465.75 |
| 17 | 2026-02 | 1280.68 | 184.79 | 1095.89 | 61369.86 |
| 18 | 2026-03 | 1277.44 | 181.55 | 1095.89 | 60273.97 |
| 19 | 2026-04 | 1274.20 | 178.31 | 1095.89 | 59178.08 |
| 20 | 2026-05 | 1270.96 | 175.07 | 1095.89 | 58082.19 |
| 21 | 2026-06 | 1267.72 | 171.83 | 1095.89 | 56986.30 |
| 22 | 2026-07 | 1264.47 | 168.58 | 1095.89 | 55890.41 |
| 23 | 2026-08 | 1261.23 | 165.34 | 1095.89 | 54794.52 |
| 24 | 2026-09 | 1257.99 | 162.10 | 1095.89 | 53698.63 |
| 25 | 2026-10 | 1254.75 | 158.86 | 1095.89 | 52602.74 |
| 26 | 2026-11 | 1251.51 | 155.62 | 1095.89 | 51506.85 |
| 27 | 2026-12 | 1248.26 | 152.37 | 1095.89 | 50410.96 |
| 28 | 2027-01 | 1245.02 | 149.13 | 1095.89 | 49315.07 |
| 29 | 2027-02 | 1241.78 | 145.89 | 1095.89 | 48219.18 |
| 30 | 2027-03 | 1238.54 | 142.65 | 1095.89 | 47123.29 |
| 31 | 2027-04 | 1235.30 | 139.41 | 1095.89 | 46027.40 |
| 32 | 2027-05 | 1232.05 | 136.16 | 1095.89 | 44931.51 |
| 33 | 2027-06 | 1228.81 | 132.92 | 1095.89 | 43835.62 |
| 34 | 2027-07 | 1225.57 | 129.68 | 1095.89 | 42739.73 |
| 35 | 2027-08 | 1222.33 | 126.44 | 1095.89 | 41643.84 |
| 36 | 2027-09 | 1219.09 | 123.20 | 1095.89 | 40547.95 |
| 37 | 2027-10 | 1215.84 | 119.95 | 1095.89 | 39452.05 |
| 38 | 2027-11 | 1212.60 | 116.71 | 1095.89 | 38356.16 |
| 39 | 2027-12 | 1209.36 | 113.47 | 1095.89 | 37260.27 |
| 40 | 2028-01 | 1206.12 | 110.23 | 1095.89 | 36164.38 |
| 41 | 2028-02 | 1202.88 | 106.99 | 1095.89 | 35068.49 |
| 42 | 2028-03 | 1199.63 | 103.74 | 1095.89 | 33972.60 |
| 43 | 2028-04 | 1196.39 | 100.50 | 1095.89 | 32876.71 |
| 44 | 2028-05 | 1193.15 | 97.26 | 1095.89 | 31780.82 |
| 45 | 2028-06 | 1189.91 | 94.02 | 1095.89 | 30684.93 |
| 46 | 2028-07 | 1186.67 | 90.78 | 1095.89 | 29589.04 |
| 47 | 2028-08 | 1183.42 | 87.53 | 1095.89 | 28493.15 |
| 48 | 2028-09 | 1180.18 | 84.29 | 1095.89 | 27397.26 |
| 49 | 2028-10 | 1176.94 | 81.05 | 1095.89 | 26301.37 |
| 50 | 2028-11 | 1173.70 | 77.81 | 1095.89 | 25205.48 |
| 51 | 2028-12 | 1170.46 | 74.57 | 1095.89 | 24109.59 |
| 52 | 2029-01 | 1167.21 | 71.32 | 1095.89 | 23013.70 |
| 53 | 2029-02 | 1163.97 | 68.08 | 1095.89 | 21917.81 |
| 54 | 2029-03 | 1160.73 | 64.84 | 1095.89 | 20821.92 |
| 55 | 2029-04 | 1157.49 | 61.60 | 1095.89 | 19726.03 |
| 56 | 2029-05 | 1154.25 | 58.36 | 1095.89 | 18630.14 |
| 57 | 2029-06 | 1151.00 | 55.11 | 1095.89 | 17534.25 |
| 58 | 2029-07 | 1147.76 | 51.87 | 1095.89 | 16438.36 |
| 59 | 2029-08 | 1144.52 | 48.63 | 1095.89 | 15342.47 |
| 60 | 2029-09 | 1141.28 | 45.39 | 1095.89 | 14246.58 |
| 61 | 2029-10 | 1138.04 | 42.15 | 1095.89 | 13150.68 |
| 62 | 2029-11 | 1134.79 | 38.90 | 1095.89 | 12054.79 |
| 63 | 2029-12 | 1131.55 | 35.66 | 1095.89 | 10958.90 |
| 64 | 2030-01 | 1128.31 | 32.42 | 1095.89 | 9863.01 |
| 65 | 2030-02 | 1125.07 | 29.18 | 1095.89 | 8767.12 |
| 66 | 2030-03 | 1121.83 | 25.94 | 1095.89 | 7671.23 |
| 67 | 2030-04 | 1118.58 | 22.69 | 1095.89 | 6575.34 |
| 68 | 2030-05 | 1115.34 | 19.45 | 1095.89 | 5479.45 |
| 69 | 2030-06 | 1112.10 | 16.21 | 1095.89 | 4383.56 |
| 70 | 2030-07 | 1108.86 | 12.97 | 1095.89 | 3287.67 |
| 71 | 2030-08 | 1105.62 | 9.73 | 1095.89 | 2191.78 |
| 72 | 2030-09 | 1102.37 | 6.48 | 1095.89 | 1095.89 |
| 73 | 2030-10 | 1099.13 | 3.24 | 1095.89 | 0.00 |