Question

银行贷款20万元，10年期限，月利率为千分之3.7125，等额本息，每月还款额为多少？

希望知道的把详细计算过程告诉我，不胜感激。

提示借贷有风险，选择需谨慎

Answer 1

计算公式很复杂的，你在网上搜搜利息计算器就可以算出。
不过，我可以给你一个详细的还款明细
期数 应还本金 应还利息 月还款额 贷款余额
1 1,325.93 742.50 2,068.43 198,674.07
2 1,330.85 737.58 2,068.43 197,343.21
3 1,335.80 732.64 2,068.43 196,007.42
4 1,340.75 727.68 2,068.43 194,666.66
5 1,345.73 722.70 2,068.43 193,320.93
6 1,350.73 717.70 2,068.43 191,970.20
7 1,355.74 712.69 2,068.43 190,614.46
8 1,360.78 707.66 2,068.43 189,253.68
9 1,365.83 702.60 2,068.43 187,887.85
10 1,370.90 697.53 2,068.43 186,516.95
11 1,375.99 692.44 2,068.43 185,140.97
12 1,381.10 687.34 2,068.43 183,759.87
13 1,386.22 682.21 2,068.43 182,373.65
14 1,391.37 677.06 2,068.43 180,982.28
15 1,396.54 671.90 2,068.43 179,585.74
16 1,401.72 666.71 2,068.43 178,184.02
17 1,406.92 661.51 2,068.43 176,777.09
18 1,412.15 656.28 2,068.43 175,364.95
19 1,417.39 651.04 2,068.43 173,947.56
20 1,422.65 645.78 2,068.43 172,524.90
21 1,427.93 640.50 2,068.43 171,096.97
22 1,433.23 635.20 2,068.43 169,663.74
23 1,438.56 629.88 2,068.43 168,225.18
24 1,443.90 624.54 2,068.43 166,781.28
25 1,449.26 619.18 2,068.43 165,332.03
26 1,454.64 613.80 2,068.43 163,877.39
27 1,460.04 608.39 2,068.43 162,417.35
28 1,465.46 602.97 2,068.43 160,951.89
29 1,470.90 597.53 2,068.43 159,481.00
30 1,476.36 592.07 2,068.43 158,004.64
31 1,481.84 586.59 2,068.43 156,522.80
32 1,487.34 581.09 2,068.43 155,035.45
33 1,492.86 575.57 2,068.43 153,542.59
34 1,498.41 570.03 2,068.43 152,044.19
35 1,503.97 564.46 2,068.43 150,540.22
36 1,509.55 558.88 2,068.43 149,030.66
37 1,515.16 553.28 2,068.43 147,515.51
38 1,520.78 547.65 2,068.43 145,994.73
39 1,526.43 542.01 2,068.43 144,468.30
40 1,532.09 536.34 2,068.43 142,936.21
41 1,537.78 530.65 2,068.43 141,398.42
42 1,543.49 524.94 2,068.43 139,854.93
43 1,549.22 519.21 2,068.43 138,305.71
44 1,554.97 513.46 2,068.43 136,750.74
45 1,560.75 507.69 2,068.43 135,190.00
46 1,566.54 501.89 2,068.43 133,623.46
47 1,572.36 496.08 2,068.43 132,051.10
48 1,578.19 490.24 2,068.43 130,472.91
49 1,584.05 484.38 2,068.43 128,888.86
50 1,589.93 478.50 2,068.43 127,298.92
51 1,595.84 472.60 2,068.43 125,703.09
52 1,601.76 466.67 2,068.43 124,101.33
53 1,607.71 460.73 2,068.43 122,493.62
54 1,613.67 454.76 2,068.43 120,879.95
55 1,619.67 448.77 2,068.43 119,260.28
56 1,625.68 442.75 2,068.43 117,634.60
57 1,631.71 436.72 2,068.43 116,002.89
58 1,637.77 430.66 2,068.43 114,365.12
59 1,643.85 424.58 2,068.43 112,721.26
60 1,649.95 418.48 2,068.43 111,071.31
61 1,656.08 412.35 2,068.43 109,415.23
62 1,662.23 406.20 2,068.43 107,753.00
63 1,668.40 400.03 2,068.43 106,084.60
64 1,674.59 393.84 2,068.43 104,410.01
65 1,680.81 387.62 2,068.43 102,729.20
66 1,687.05 381.38 2,068.43 101,042.15
67 1,693.31 375.12 2,068.43 99,348.83
68 1,699.60 368.83 2,068.43 97,649.23
69 1,705.91 362.52 2,068.43 95,943.32
70 1,712.24 356.19 2,068.43 94,231.08
71 1,718.60 349.83 2,068.43 92,512.48
72 1,724.98 343.45 2,068.43 90,787.50
73 1,731.38 337.05 2,068.43 89,056.12
74 1,737.81 330.62 2,068.43 87,318.31
75 1,744.26 324.17 2,068.43 85,574.04
76 1,750.74 317.69 2,068.43 83,823.30
77 1,757.24 311.19 2,068.43 82,066.07
78 1,763.76 304.67 2,068.43 80,302.30
79 1,770.31 298.12 2,068.43 78,531.99
80 1,776.88 291.55 2,068.43 76,755.11
81 1,783.48 284.95 2,068.43 74,971.63
82 1,790.10 278.33 2,068.43 73,181.53
83 1,796.75 271.69 2,068.43 71,384.79
84 1,803.42 265.02 2,068.43 69,581.37
85 1,810.11 258.32 2,068.43 67,771.26
86 1,816.83 251.60 2,068.43 65,954.43
87 1,823.58 244.86 2,068.43 64,130.85
88 1,830.35 238.09 2,068.43 62,300.50
89 1,837.14 231.29 2,068.43 60,463.36
90 1,843.96 224.47 2,068.43 58,619.40
91 1,850.81 217.62 2,068.43 56,768.59
92 1,857.68 210.75 2,068.43 54,910.91
93 1,864.58 203.86 2,068.43 53,046.34
94 1,871.50 196.93 2,068.43 51,174.84
95 1,878.45 189.99 2,068.43 49,296.39
96 1,885.42 183.01 2,068.43 47,410.97
97 1,892.42 176.01 2,068.43 45,518.55
98 1,899.44 168.99 2,068.43 43,619.11
99 1,906.50 161.94 2,068.43 41,712.61
100 1,913.57 154.86 2,068.43 39,799.04
101 1,920.68 147.75 2,068.43 37,878.36
102 1,927.81 140.62 2,068.43 35,950.55
103 1,934.97 133.47 2,068.43 34,015.58
104 1,942.15 126.28 2,068.43 32,073.43
105 1,949.36 119.07 2,068.43 30,124.07
106 1,956.60 111.84 2,068.43 28,167.48
107 1,963.86 104.57 2,068.43 26,203.62
108 1,971.15 97.28 2,068.43 24,232.47
109 1,978.47 89.96 2,068.43 22,254.00
110 1,985.81 82.62 2,068.43 20,268.18
111 1,993.19 75.25 2,068.43 18,274.99
112 2,000.59 67.85 2,068.43 16,274.41
113 2,008.01 60.42 2,068.43 14,266.39
114 2,015.47 52.96 2,068.43 12,250.93
115 2,022.95 45.48 2,068.43 10,227.98
116 2,030.46 37.97 2,068.43 8,197.51
117 2,038.00 30.43 2,068.43 6,159.51
118 2,045.57 22.87 2,068.43 4,113.95
119 2,053.16 15.27 2,068.43 2,060.79
120 2,060.78 7.65 2,068.43 0.00
合计 200,000.00 48,211.90 248,211.90

Answer 2

20万,10年(120期),月利率0.37125%,月还款额:
200000*0.37125%*(1+0.37125%)^120/[(1+0.37125%)^120-1]=2068.43元
说明:^120为120次方