贷款6.5万（商业贷款）房贷，还款2年6个月的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：6.5万
还款月数：2年6个月
每月还款：2260.25元
利息总额：2807.4元
本息合计：6.78万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 2260.25 | 178.75 | 2081.50 | 62918.50 |
| 2 | 2025-03 | 2260.25 | 173.03 | 2087.22 | 60831.28 |
| 3 | 2025-04 | 2260.25 | 167.29 | 2092.96 | 58738.32 |
| 4 | 2025-05 | 2260.25 | 161.53 | 2098.72 | 56639.61 |
| 5 | 2025-06 | 2260.25 | 155.76 | 2104.49 | 54535.12 |
| 6 | 2025-07 | 2260.25 | 149.97 | 2110.27 | 52424.84 |
| 7 | 2025-08 | 2260.25 | 144.17 | 2116.08 | 50308.77 |
| 8 | 2025-09 | 2260.25 | 138.35 | 2121.90 | 48186.87 |
| 9 | 2025-10 | 2260.25 | 132.51 | 2127.73 | 46059.14 |
| 10 | 2025-11 | 2260.25 | 126.66 | 2133.58 | 43925.55 |
| 11 | 2025-12 | 2260.25 | 120.80 | 2139.45 | 41786.10 |
| 12 | 2026-01 | 2260.25 | 114.91 | 2145.33 | 39640.77 |
| 13 | 2026-02 | 2260.25 | 109.01 | 2151.23 | 37489.53 |
| 14 | 2026-03 | 2260.25 | 103.10 | 2157.15 | 35332.38 |
| 15 | 2026-04 | 2260.25 | 97.16 | 2163.08 | 33169.30 |
| 16 | 2026-05 | 2260.25 | 91.22 | 2169.03 | 31000.27 |
| 17 | 2026-06 | 2260.25 | 85.25 | 2175.00 | 28825.27 |
| 18 | 2026-07 | 2260.25 | 79.27 | 2180.98 | 26644.29 |
| 19 | 2026-08 | 2260.25 | 73.27 | 2186.97 | 24457.32 |
| 20 | 2026-09 | 2260.25 | 67.26 | 2192.99 | 22264.33 |
| 21 | 2026-10 | 2260.25 | 61.23 | 2199.02 | 20065.31 |
| 22 | 2026-11 | 2260.25 | 55.18 | 2205.07 | 17860.24 |
| 23 | 2026-12 | 2260.25 | 49.12 | 2211.13 | 15649.11 |
| 24 | 2027-01 | 2260.25 | 43.04 | 2217.21 | 13431.90 |
| 25 | 2027-02 | 2260.25 | 36.94 | 2223.31 | 11208.59 |
| 26 | 2027-03 | 2260.25 | 30.82 | 2229.42 | 8979.17 |
| 27 | 2027-04 | 2260.25 | 24.69 | 2235.55 | 6743.62 |
| 28 | 2027-05 | 2260.25 | 18.54 | 2241.70 | 4501.91 |
| 29 | 2027-06 | 2260.25 | 12.38 | 2247.87 | 2254.05 |
| 30 | 2027-07 | 2260.25 | 6.20 | 2254.05 | 0.00 |
等额本金还款方式：
贷款总额：6.5万
还款月数：2年6个月
首月还款：2345.42元
每月递减：5.96元
利息总额：2770.63元
本息合计：6.78万
节省利息：36.77元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 2345.42 | 178.75 | 2166.67 | 62833.33 |
| 2 | 2025-03 | 2339.46 | 172.79 | 2166.67 | 60666.67 |
| 3 | 2025-04 | 2333.50 | 166.83 | 2166.67 | 58500.00 |
| 4 | 2025-05 | 2327.54 | 160.88 | 2166.67 | 56333.33 |
| 5 | 2025-06 | 2321.58 | 154.92 | 2166.67 | 54166.67 |
| 6 | 2025-07 | 2315.63 | 148.96 | 2166.67 | 52000.00 |
| 7 | 2025-08 | 2309.67 | 143.00 | 2166.67 | 49833.33 |
| 8 | 2025-09 | 2303.71 | 137.04 | 2166.67 | 47666.67 |
| 9 | 2025-10 | 2297.75 | 131.08 | 2166.67 | 45500.00 |
| 10 | 2025-11 | 2291.79 | 125.13 | 2166.67 | 43333.33 |
| 11 | 2025-12 | 2285.83 | 119.17 | 2166.67 | 41166.67 |
| 12 | 2026-01 | 2279.88 | 113.21 | 2166.67 | 39000.00 |
| 13 | 2026-02 | 2273.92 | 107.25 | 2166.67 | 36833.33 |
| 14 | 2026-03 | 2267.96 | 101.29 | 2166.67 | 34666.67 |
| 15 | 2026-04 | 2262.00 | 95.33 | 2166.67 | 32500.00 |
| 16 | 2026-05 | 2256.04 | 89.38 | 2166.67 | 30333.33 |
| 17 | 2026-06 | 2250.08 | 83.42 | 2166.67 | 28166.67 |
| 18 | 2026-07 | 2244.13 | 77.46 | 2166.67 | 26000.00 |
| 19 | 2026-08 | 2238.17 | 71.50 | 2166.67 | 23833.33 |
| 20 | 2026-09 | 2232.21 | 65.54 | 2166.67 | 21666.67 |
| 21 | 2026-10 | 2226.25 | 59.58 | 2166.67 | 19500.00 |
| 22 | 2026-11 | 2220.29 | 53.63 | 2166.67 | 17333.33 |
| 23 | 2026-12 | 2214.33 | 47.67 | 2166.67 | 15166.67 |
| 24 | 2027-01 | 2208.38 | 41.71 | 2166.67 | 13000.00 |
| 25 | 2027-02 | 2202.42 | 35.75 | 2166.67 | 10833.33 |
| 26 | 2027-03 | 2196.46 | 29.79 | 2166.67 | 8666.67 |
| 27 | 2027-04 | 2190.50 | 23.83 | 2166.67 | 6500.00 |
| 28 | 2027-05 | 2184.54 | 17.88 | 2166.67 | 4333.33 |
| 29 | 2027-06 | 2178.58 | 11.92 | 2166.67 | 2166.67 |
| 30 | 2027-07 | 2172.63 | 5.96 | 2166.67 | 0.00 |