借30万5年，一个月利息1400元？

借款30万元，期限5年，每月还款利息1400元，年利率是多少？

年利率 = 月利率 x 12

月利率 = 还款利息 / 贷款本金

月利率 = 1400 元 / 300,000 元 = 0.004667

年利率 = 0.004667 x 12 = 5.6%

利息计算方式

贷款利息的计算方式有以下几种：

等额本息还款法：每月偿还的本息相等，利息逐渐减少，本金逐渐增加。

等额本金还款法：每月偿还的本金相等，利息随着本金的减少而减少。

先息后本还款法：贷款期限内只还利息，到期一次性偿还本金。

还款计划

对于借款30万元，期限5年，年利率5.6%，采用等额本息还款法，还款计划如下：

| 期数 | 本金 (元) | 利息 (元) | 月供 (元) | 余额 (元) |

|---|---|---|---|---|

| 1 | 6,000.00 | 1,386.67 | 7,386.67 | 294,000.00 |

| 2 | 6,046.44 | 1,340.23 | 7,386.67 | 287,953.56 |

| 3 | 6,092.90 | 1,293.77 | 7,386.67 | 281,860.66 |

| 4 | 6,140.22 | 1,246.45 | 7,386.67 | 275,720.44 |

| 5 | 6,188.35 | 1,200.32 | 7,386.67 | 269,532.09 |

| 6 | 6,237.19 | 1,153.48 | 7,386.67 | 263,294.90 |

| 7 | 6,286.67 | 1,106.90 | 7,386.67 | 257,008.23 |

| 8 | 6,336.71 | 1,060.66 | 7,386.67 | 250,671.52 |

| 9 | 6,387.23 | 1,014.74 | 7,386.67 | 244,284.29 |

| 10 | 6,438.27 | 969.10 | 7,386.67 | 237,846.02 |

| 11 | 6,489.75 | 923.82 | 7,386.67 | 231,356.27 |

| 12 | 6,541.67 | 878.90 | 7,386.67 | 224,814.60 |

| 13 | 6,593.95 | 834.32 | 7,386.67 | 218,220.65 |

| 14 | 6,646.59 | 790.08 | 7,386.67 | 211,574.06 |

| 15 | 6,699.59 | 746.28 | 7,386.67 | 204,874.47 |

| 16 | 6,752.95 | 702.92 | 7,386.67 | 198,121.52 |

| 17 | 6,806.67 | 659.90 | 7,386.67 | 191,314.85 |

| 18 | 6,860.74 | 617.23 | 7,386.67 | 184,454.11 |

| 19 | 6,915.17 | 574.90 | 7,386.67 | 177,538.94 |

| 20 | 6,969.96 | 532.91 | 7,386.67 | 170,568.98 |

| 21 | 7,025.11 | 491.26 | 7,386.67 | 163,543.87 |

| 22 | 7,080.62 | 449.95 | 7,386.67 | 156,463.25 |

| 23 | 7,136.48 | 409.09 | 7,386.67 | 149,326.77 |

| 24 | 7,192.68 | 368.69 | 7,386.67 | 142,134.09 |

| 25 | 7,249.23 | 328.74 | 7,386.67 | 134,884.86 |

| 26 | 7,306.12 | 289.25 | 7,386.67 | 127,578.74 |

| 27 | 7,363.34 | 250.23 | 7,386.67 | 120,215.40 |

| 28 | 7,420.89 | 211.68 | 7,386.67 | 112,794.51 |

| 29 | 7,478.76 | 173.61 | 7,386.67 | 105,315.75 |

| 30 | 7,536.95 | 136.02 | 7,386.67 | 97,778.80 |

| 31 | 7,595.45 | 98.82 | 7,386.67 | 90,183.35 |

| 32 | 7,654.24 | 61.93 | 7,386.67 | 82,529.11 |

| 33 | 7,713.32 | 25.45 | 7,386.67 | 74,815.79 |

| 34 | 7,772.69 | 14.28 | 7,386.67 | 67,043.10 |

| 35 | 7,832.35 | 3.52 | 7,386.67 | 59,210.75 |

| 36 | 7,892.29 | 0.00 | 7,386.67 | 31,290.46 |

| 37 | 7,952.52 | 0.00 | 7,386.67 | 24,337.94 |

| 38 | 8,012.99 | 0.00 | 7,386.67 | 17,324.95 |

| 39 |