解析：
贷款8000元（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：8000元
还款月数：5年
每月还款：150.97元
利息总额：1058.19元
本息合计：9058.19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 | 150.97 | 33.33 | 117.64 | 7882.36 |
| 2 | 2024-11 | 150.97 | 32.84 | 118.13 | 7764.24 |
| 3 | 2024-12 | 150.97 | 32.35 | 118.62 | 7645.62 |
| 4 | 2025-01 | 150.97 | 31.86 | 119.11 | 7526.50 |
| 5 | 2025-02 | 150.97 | 31.36 | 119.61 | 7406.90 |
| 6 | 2025-03 | 150.97 | 30.86 | 120.11 | 7286.79 |
| 7 | 2025-04 | 150.97 | 30.36 | 120.61 | 7166.18 |
| 8 | 2025-05 | 150.97 | 29.86 | 121.11 | 7045.07 |
| 9 | 2025-06 | 150.97 | 29.35 | 121.62 | 6923.45 |
| 10 | 2025-07 | 150.97 | 28.85 | 122.12 | 6801.33 |
| 11 | 2025-08 | 150.97 | 28.34 | 122.63 | 6678.70 |
| 12 | 2025-09 | 150.97 | 27.83 | 123.14 | 6555.56 |
| 13 | 2025-10 | 150.97 | 27.31 | 123.66 | 6431.90 |
| 14 | 2025-11 | 150.97 | 26.80 | 124.17 | 6307.73 |
| 15 | 2025-12 | 150.97 | 26.28 | 124.69 | 6183.05 |
| 16 | 2026-01 | 150.97 | 25.76 | 125.21 | 6057.84 |
| 17 | 2026-02 | 150.97 | 25.24 | 125.73 | 5932.11 |
| 18 | 2026-03 | 150.97 | 24.72 | 126.25 | 5805.86 |
| 19 | 2026-04 | 150.97 | 24.19 | 126.78 | 5679.08 |
| 20 | 2026-05 | 150.97 | 23.66 | 127.31 | 5551.77 |
| 21 | 2026-06 | 150.97 | 23.13 | 127.84 | 5423.93 |
| 22 | 2026-07 | 150.97 | 22.60 | 128.37 | 5295.56 |
| 23 | 2026-08 | 150.97 | 22.06 | 128.91 | 5166.66 |
| 24 | 2026-09 | 150.97 | 21.53 | 129.44 | 5037.22 |
| 25 | 2026-10 | 150.97 | 20.99 | 129.98 | 4907.23 |
| 26 | 2026-11 | 150.97 | 20.45 | 130.52 | 4776.71 |
| 27 | 2026-12 | 150.97 | 19.90 | 131.07 | 4645.64 |
| 28 | 2027-01 | 150.97 | 19.36 | 131.61 | 4514.03 |
| 29 | 2027-02 | 150.97 | 18.81 | 132.16 | 4381.87 |
| 30 | 2027-03 | 150.97 | 18.26 | 132.71 | 4249.16 |
| 31 | 2027-04 | 150.97 | 17.70 | 133.27 | 4115.89 |
| 32 | 2027-05 | 150.97 | 17.15 | 133.82 | 3982.07 |
| 33 | 2027-06 | 150.97 | 16.59 | 134.38 | 3847.69 |
| 34 | 2027-07 | 150.97 | 16.03 | 134.94 | 3712.76 |
| 35 | 2027-08 | 150.97 | 15.47 | 135.50 | 3577.26 |
| 36 | 2027-09 | 150.97 | 14.91 | 136.06 | 3441.19 |
| 37 | 2027-10 | 150.97 | 14.34 | 136.63 | 3304.56 |
| 38 | 2027-11 | 150.97 | 13.77 | 137.20 | 3167.36 |
| 39 | 2027-12 | 150.97 | 13.20 | 137.77 | 3029.59 |
| 40 | 2028-01 | 150.97 | 12.62 | 138.35 | 2891.24 |
| 41 | 2028-02 | 150.97 | 12.05 | 138.92 | 2752.32 |
| 42 | 2028-03 | 150.97 | 11.47 | 139.50 | 2612.82 |
| 43 | 2028-04 | 150.97 | 10.89 | 140.08 | 2472.73 |
| 44 | 2028-05 | 150.97 | 10.30 | 140.67 | 2332.07 |
| 45 | 2028-06 | 150.97 | 9.72 | 141.25 | 2190.81 |
| 46 | 2028-07 | 150.97 | 9.13 | 141.84 | 2048.97 |
| 47 | 2028-08 | 150.97 | 8.54 | 142.43 | 1906.54 |
| 48 | 2028-09 | 150.97 | 7.94 | 143.03 | 1763.51 |
| 49 | 2028-10 | 150.97 | 7.35 | 143.62 | 1619.89 |
| 50 | 2028-11 | 150.97 | 6.75 | 144.22 | 1475.67 |
| 51 | 2028-12 | 150.97 | 6.15 | 144.82 | 1330.85 |
| 52 | 2029-01 | 150.97 | 5.55 | 145.42 | 1185.42 |
| 53 | 2029-02 | 150.97 | 4.94 | 146.03 | 1039.39 |
| 54 | 2029-03 | 150.97 | 4.33 | 146.64 | 892.75 |
| 55 | 2029-04 | 150.97 | 3.72 | 147.25 | 745.50 |
| 56 | 2029-05 | 150.97 | 3.11 | 147.86 | 597.64 |
| 57 | 2029-06 | 150.97 | 2.49 | 148.48 | 449.16 |
| 58 | 2029-07 | 150.97 | 1.87 | 149.10 | 300.06 |
| 59 | 2029-08 | 150.97 | 1.25 | 149.72 | 150.34 |
| 60 | 2029-09 | 150.97 | 0.63 | 150.34 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：8000元
还款月数：5年
首月还款：166.67元
每月递减：0.56元
利息总额：1016.67元
本息合计：9016.67元
节省利息：41.53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 | 166.67 | 33.33 | 133.33 | 7866.67 |
| 2 | 2024-11 | 166.11 | 32.78 | 133.33 | 7733.33 |
| 3 | 2024-12 | 165.56 | 32.22 | 133.33 | 7600.00 |
| 4 | 2025-01 | 165.00 | 31.67 | 133.33 | 7466.67 |
| 5 | 2025-02 | 164.44 | 31.11 | 133.33 | 7333.33 |
| 6 | 2025-03 | 163.89 | 30.56 | 133.33 | 7200.00 |
| 7 | 2025-04 | 163.33 | 30.00 | 133.33 | 7066.67 |
| 8 | 2025-05 | 162.78 | 29.44 | 133.33 | 6933.33 |
| 9 | 2025-06 | 162.22 | 28.89 | 133.33 | 6800.00 |
| 10 | 2025-07 | 161.67 | 28.33 | 133.33 | 6666.67 |
| 11 | 2025-08 | 161.11 | 27.78 | 133.33 | 6533.33 |
| 12 | 2025-09 | 160.56 | 27.22 | 133.33 | 6400.00 |
| 13 | 2025-10 | 160.00 | 26.67 | 133.33 | 6266.67 |
| 14 | 2025-11 | 159.44 | 26.11 | 133.33 | 6133.33 |
| 15 | 2025-12 | 158.89 | 25.56 | 133.33 | 6000.00 |
| 16 | 2026-01 | 158.33 | 25.00 | 133.33 | 5866.67 |
| 17 | 2026-02 | 157.78 | 24.44 | 133.33 | 5733.33 |
| 18 | 2026-03 | 157.22 | 23.89 | 133.33 | 5600.00 |
| 19 | 2026-04 | 156.67 | 23.33 | 133.33 | 5466.67 |
| 20 | 2026-05 | 156.11 | 22.78 | 133.33 | 5333.33 |
| 21 | 2026-06 | 155.56 | 22.22 | 133.33 | 5200.00 |
| 22 | 2026-07 | 155.00 | 21.67 | 133.33 | 5066.67 |
| 23 | 2026-08 | 154.44 | 21.11 | 133.33 | 4933.33 |
| 24 | 2026-09 | 153.89 | 20.56 | 133.33 | 4800.00 |
| 25 | 2026-10 | 153.33 | 20.00 | 133.33 | 4666.67 |
| 26 | 2026-11 | 152.78 | 19.44 | 133.33 | 4533.33 |
| 27 | 2026-12 | 152.22 | 18.89 | 133.33 | 4400.00 |
| 28 | 2027-01 | 151.67 | 18.33 | 133.33 | 4266.67 |
| 29 | 2027-02 | 151.11 | 17.78 | 133.33 | 4133.33 |
| 30 | 2027-03 | 150.56 | 17.22 | 133.33 | 4000.00 |
| 31 | 2027-04 | 150.00 | 16.67 | 133.33 | 3866.67 |
| 32 | 2027-05 | 149.44 | 16.11 | 133.33 | 3733.33 |
| 33 | 2027-06 | 148.89 | 15.56 | 133.33 | 3600.00 |
| 34 | 2027-07 | 148.33 | 15.00 | 133.33 | 3466.67 |
| 35 | 2027-08 | 147.78 | 14.44 | 133.33 | 3333.33 |
| 36 | 2027-09 | 147.22 | 13.89 | 133.33 | 3200.00 |
| 37 | 2027-10 | 146.67 | 13.33 | 133.33 | 3066.67 |
| 38 | 2027-11 | 146.11 | 12.78 | 133.33 | 2933.33 |
| 39 | 2027-12 | 145.56 | 12.22 | 133.33 | 2800.00 |
| 40 | 2028-01 | 145.00 | 11.67 | 133.33 | 2666.67 |
| 41 | 2028-02 | 144.44 | 11.11 | 133.33 | 2533.33 |
| 42 | 2028-03 | 143.89 | 10.56 | 133.33 | 2400.00 |
| 43 | 2028-04 | 143.33 | 10.00 | 133.33 | 2266.67 |
| 44 | 2028-05 | 142.78 | 9.44 | 133.33 | 2133.33 |
| 45 | 2028-06 | 142.22 | 8.89 | 133.33 | 2000.00 |
| 46 | 2028-07 | 141.67 | 8.33 | 133.33 | 1866.67 |
| 47 | 2028-08 | 141.11 | 7.78 | 133.33 | 1733.33 |
| 48 | 2028-09 | 140.56 | 7.22 | 133.33 | 1600.00 |
| 49 | 2028-10 | 140.00 | 6.67 | 133.33 | 1466.67 |
| 50 | 2028-11 | 139.44 | 6.11 | 133.33 | 1333.33 |
| 51 | 2028-12 | 138.89 | 5.56 | 133.33 | 1200.00 |
| 52 | 2029-01 | 138.33 | 5.00 | 133.33 | 1066.67 |
| 53 | 2029-02 | 137.78 | 4.44 | 133.33 | 933.33 |
| 54 | 2029-03 | 137.22 | 3.89 | 133.33 | 800.00 |
| 55 | 2029-04 | 136.67 | 3.33 | 133.33 | 666.67 |
| 56 | 2029-05 | 136.11 | 2.78 | 133.33 | 533.33 |
| 57 | 2029-06 | 135.56 | 2.22 | 133.33 | 400.00 |
| 58 | 2029-07 | 135.00 | 1.67 | 133.33 | 266.67 |
| 59 | 2029-08 | 134.44 | 1.11 | 133.33 | 133.33 |
| 60 | 2029-09 | 133.89 | 0.56 | 133.33 | 0.00 |
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