解析：
贷款12万（商业贷款）的房贷，还款5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：12万
还款月数：5年
每月还款：2174.96元
利息总额：1.05万
本息合计：13.05万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 2174.96 | 335.00 | 1839.96 | 118160.04 |
| 2 | 2024-11 | 2174.96 | 329.86 | 1845.09 | 116314.95 |
| 3 | 2024-12 | 2174.96 | 324.71 | 1850.25 | 114464.70 |
| 4 | 2025-01 | 2174.96 | 319.55 | 1855.41 | 112609.29 |
| 5 | 2025-02 | 2174.96 | 314.37 | 1860.59 | 110748.70 |
| 6 | 2025-03 | 2174.96 | 309.17 | 1865.78 | 108882.92 |
| 7 | 2025-04 | 2174.96 | 303.96 | 1870.99 | 107011.93 |
| 8 | 2025-05 | 2174.96 | 298.74 | 1876.22 | 105135.71 |
| 9 | 2025-06 | 2174.96 | 293.50 | 1881.45 | 103254.26 |
| 10 | 2025-07 | 2174.96 | 288.25 | 1886.71 | 101367.55 |
| 11 | 2025-08 | 2174.96 | 282.98 | 1891.97 | 99475.58 |
| 12 | 2025-09 | 2174.96 | 277.70 | 1897.26 | 97578.32 |
| 13 | 2025-10 | 2174.96 | 272.41 | 1902.55 | 95675.77 |
| 14 | 2025-11 | 2174.96 | 267.09 | 1907.86 | 93767.91 |
| 15 | 2025-12 | 2174.96 | 261.77 | 1913.19 | 91854.72 |
| 16 | 2026-01 | 2174.96 | 256.43 | 1918.53 | 89936.19 |
| 17 | 2026-02 | 2174.96 | 251.07 | 1923.89 | 88012.30 |
| 18 | 2026-03 | 2174.96 | 245.70 | 1929.26 | 86083.04 |
| 19 | 2026-04 | 2174.96 | 240.32 | 1934.64 | 84148.40 |
| 20 | 2026-05 | 2174.96 | 234.91 | 1940.04 | 82208.36 |
| 21 | 2026-06 | 2174.96 | 229.50 | 1945.46 | 80262.90 |
| 22 | 2026-07 | 2174.96 | 224.07 | 1950.89 | 78312.01 |
| 23 | 2026-08 | 2174.96 | 218.62 | 1956.34 | 76355.67 |
| 24 | 2026-09 | 2174.96 | 213.16 | 1961.80 | 74393.87 |
| 25 | 2026-10 | 2174.96 | 207.68 | 1967.27 | 72426.60 |
| 26 | 2026-11 | 2174.96 | 202.19 | 1972.77 | 70453.83 |
| 27 | 2026-12 | 2174.96 | 196.68 | 1978.27 | 68475.56 |
| 28 | 2027-01 | 2174.96 | 191.16 | 1983.80 | 66491.76 |
| 29 | 2027-02 | 2174.96 | 185.62 | 1989.33 | 64502.43 |
| 30 | 2027-03 | 2174.96 | 180.07 | 1994.89 | 62507.54 |
| 31 | 2027-04 | 2174.96 | 174.50 | 2000.46 | 60507.08 |
| 32 | 2027-05 | 2174.96 | 168.92 | 2006.04 | 58501.04 |
| 33 | 2027-06 | 2174.96 | 163.32 | 2011.64 | 56489.40 |
| 34 | 2027-07 | 2174.96 | 157.70 | 2017.26 | 54472.14 |
| 35 | 2027-08 | 2174.96 | 152.07 | 2022.89 | 52449.25 |
| 36 | 2027-09 | 2174.96 | 146.42 | 2028.54 | 50420.71 |
| 37 | 2027-10 | 2174.96 | 140.76 | 2034.20 | 48386.51 |
| 38 | 2027-11 | 2174.96 | 135.08 | 2039.88 | 46346.63 |
| 39 | 2027-12 | 2174.96 | 129.38 | 2045.57 | 44301.06 |
| 40 | 2028-01 | 2174.96 | 123.67 | 2051.28 | 42249.78 |
| 41 | 2028-02 | 2174.96 | 117.95 | 2057.01 | 40192.77 |
| 42 | 2028-03 | 2174.96 | 112.20 | 2062.75 | 38130.01 |
| 43 | 2028-04 | 2174.96 | 106.45 | 2068.51 | 36061.50 |
| 44 | 2028-05 | 2174.96 | 100.67 | 2074.29 | 33987.21 |
| 45 | 2028-06 | 2174.96 | 94.88 | 2080.08 | 31907.14 |
| 46 | 2028-07 | 2174.96 | 89.07 | 2085.88 | 29821.25 |
| 47 | 2028-08 | 2174.96 | 83.25 | 2091.71 | 27729.55 |
| 48 | 2028-09 | 2174.96 | 77.41 | 2097.55 | 25632.00 |
| 49 | 2028-10 | 2174.96 | 71.56 | 2103.40 | 23528.60 |
| 50 | 2028-11 | 2174.96 | 65.68 | 2109.27 | 21419.33 |
| 51 | 2028-12 | 2174.96 | 59.80 | 2115.16 | 19304.16 |
| 52 | 2029-01 | 2174.96 | 53.89 | 2121.07 | 17183.10 |
| 53 | 2029-02 | 2174.96 | 47.97 | 2126.99 | 15056.11 |
| 54 | 2029-03 | 2174.96 | 42.03 | 2132.93 | 12923.18 |
| 55 | 2029-04 | 2174.96 | 36.08 | 2138.88 | 10784.30 |
| 56 | 2029-05 | 2174.96 | 30.11 | 2144.85 | 8639.45 |
| 57 | 2029-06 | 2174.96 | 24.12 | 2150.84 | 6488.61 |
| 58 | 2029-07 | 2174.96 | 18.11 | 2156.84 | 4331.77 |
| 59 | 2029-08 | 2174.96 | 12.09 | 2162.86 | 2168.90 |
| 60 | 2029-09 | 2174.96 | 6.05 | 2168.90 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：12万
还款月数：5年
首月还款：2335元
每月递减：5.58元
利息总额：1.02万
本息合计：13.02万
节省利息：279.96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 | 2335.00 | 335.00 | 2000.00 | 118000.00 |
| 2 | 2024-11 | 2329.42 | 329.42 | 2000.00 | 116000.00 |
| 3 | 2024-12 | 2323.83 | 323.83 | 2000.00 | 114000.00 |
| 4 | 2025-01 | 2318.25 | 318.25 | 2000.00 | 112000.00 |
| 5 | 2025-02 | 2312.67 | 312.67 | 2000.00 | 110000.00 |
| 6 | 2025-03 | 2307.08 | 307.08 | 2000.00 | 108000.00 |
| 7 | 2025-04 | 2301.50 | 301.50 | 2000.00 | 106000.00 |
| 8 | 2025-05 | 2295.92 | 295.92 | 2000.00 | 104000.00 |
| 9 | 2025-06 | 2290.33 | 290.33 | 2000.00 | 102000.00 |
| 10 | 2025-07 | 2284.75 | 284.75 | 2000.00 | 100000.00 |
| 11 | 2025-08 | 2279.17 | 279.17 | 2000.00 | 98000.00 |
| 12 | 2025-09 | 2273.58 | 273.58 | 2000.00 | 96000.00 |
| 13 | 2025-10 | 2268.00 | 268.00 | 2000.00 | 94000.00 |
| 14 | 2025-11 | 2262.42 | 262.42 | 2000.00 | 92000.00 |
| 15 | 2025-12 | 2256.83 | 256.83 | 2000.00 | 90000.00 |
| 16 | 2026-01 | 2251.25 | 251.25 | 2000.00 | 88000.00 |
| 17 | 2026-02 | 2245.67 | 245.67 | 2000.00 | 86000.00 |
| 18 | 2026-03 | 2240.08 | 240.08 | 2000.00 | 84000.00 |
| 19 | 2026-04 | 2234.50 | 234.50 | 2000.00 | 82000.00 |
| 20 | 2026-05 | 2228.92 | 228.92 | 2000.00 | 80000.00 |
| 21 | 2026-06 | 2223.33 | 223.33 | 2000.00 | 78000.00 |
| 22 | 2026-07 | 2217.75 | 217.75 | 2000.00 | 76000.00 |
| 23 | 2026-08 | 2212.17 | 212.17 | 2000.00 | 74000.00 |
| 24 | 2026-09 | 2206.58 | 206.58 | 2000.00 | 72000.00 |
| 25 | 2026-10 | 2201.00 | 201.00 | 2000.00 | 70000.00 |
| 26 | 2026-11 | 2195.42 | 195.42 | 2000.00 | 68000.00 |
| 27 | 2026-12 | 2189.83 | 189.83 | 2000.00 | 66000.00 |
| 28 | 2027-01 | 2184.25 | 184.25 | 2000.00 | 64000.00 |
| 29 | 2027-02 | 2178.67 | 178.67 | 2000.00 | 62000.00 |
| 30 | 2027-03 | 2173.08 | 173.08 | 2000.00 | 60000.00 |
| 31 | 2027-04 | 2167.50 | 167.50 | 2000.00 | 58000.00 |
| 32 | 2027-05 | 2161.92 | 161.92 | 2000.00 | 56000.00 |
| 33 | 2027-06 | 2156.33 | 156.33 | 2000.00 | 54000.00 |
| 34 | 2027-07 | 2150.75 | 150.75 | 2000.00 | 52000.00 |
| 35 | 2027-08 | 2145.17 | 145.17 | 2000.00 | 50000.00 |
| 36 | 2027-09 | 2139.58 | 139.58 | 2000.00 | 48000.00 |
| 37 | 2027-10 | 2134.00 | 134.00 | 2000.00 | 46000.00 |
| 38 | 2027-11 | 2128.42 | 128.42 | 2000.00 | 44000.00 |
| 39 | 2027-12 | 2122.83 | 122.83 | 2000.00 | 42000.00 |
| 40 | 2028-01 | 2117.25 | 117.25 | 2000.00 | 40000.00 |
| 41 | 2028-02 | 2111.67 | 111.67 | 2000.00 | 38000.00 |
| 42 | 2028-03 | 2106.08 | 106.08 | 2000.00 | 36000.00 |
| 43 | 2028-04 | 2100.50 | 100.50 | 2000.00 | 34000.00 |
| 44 | 2028-05 | 2094.92 | 94.92 | 2000.00 | 32000.00 |
| 45 | 2028-06 | 2089.33 | 89.33 | 2000.00 | 30000.00 |
| 46 | 2028-07 | 2083.75 | 83.75 | 2000.00 | 28000.00 |
| 47 | 2028-08 | 2078.17 | 78.17 | 2000.00 | 26000.00 |
| 48 | 2028-09 | 2072.58 | 72.58 | 2000.00 | 24000.00 |
| 49 | 2028-10 | 2067.00 | 67.00 | 2000.00 | 22000.00 |
| 50 | 2028-11 | 2061.42 | 61.42 | 2000.00 | 20000.00 |
| 51 | 2028-12 | 2055.83 | 55.83 | 2000.00 | 18000.00 |
| 52 | 2029-01 | 2050.25 | 50.25 | 2000.00 | 16000.00 |
| 53 | 2029-02 | 2044.67 | 44.67 | 2000.00 | 14000.00 |
| 54 | 2029-03 | 2039.08 | 39.08 | 2000.00 | 12000.00 |
| 55 | 2029-04 | 2033.50 | 33.50 | 2000.00 | 10000.00 |
| 56 | 2029-05 | 2027.92 | 27.92 | 2000.00 | 8000.00 |
| 57 | 2029-06 | 2022.33 | 22.33 | 2000.00 | 6000.00 |
| 58 | 2029-07 | 2016.75 | 16.75 | 2000.00 | 4000.00 |
| 59 | 2029-08 | 2011.17 | 11.17 | 2000.00 | 2000.00 |
| 60 | 2029-09 | 2005.58 | 5.58 | 2000.00 | 0.00 |