个人去银行贷款20万三年还多少钱

个人向银行贷款20万元，年利率为6%，贷款期限为3年，每月还款额为6,900元，总利息为64,800元，三年总还款金额为264,800元。

还款计划详解

以下为分期还款计划：

| 期数 | 开头余额 | 还款额 | 本金 | 利息 | 结束余额 |

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

| 1 | 200,000 | 6,900 | 1,105 | 5,795 | 198,895 |

| 2 | 198,895 | 6,900 | 1,125 | 5,775 | 197,770 |

| 3 | 197,770 | 6,900 | 1,146 | 5,754 | 196,624 |

| 4 | 196,624 | 6,900 | 1,167 | 5,733 | 195,457 |

| 5 | 195,457 | 6,900 | 1,188 | 5,712 | 194,269 |

| 6 | 194,269 | 6,900 | 1,209 | 5,691 | 193,060 |

| 7 | 193,060 | 6,900 | 1,230 | 5,670 | 191,830 |

| 8 | 191,830 | 6,900 | 1,252 | 5,648 | 190,578 |

| 9 | 190,578 | 6,900 | 1,274 | 5,626 | 189,304 |

| 10 | 189,304 | 6,900 | 1,296 | 5,604 | 188,008 |

| 11 | 188,008 | 6,900 | 1,318 | 5,582 | 186,690 |

| 12 | 186,690 | 6,900 | 1,340 | 5,560 | 185,350 |

| 13 | 185,350 | 6,900 | 1,363 | 5,537 | 183,987 |

| 14 | 183,987 | 6,900 | 1,386 | 5,514 | 182,601 |

| 15 | 182,601 | 6,900 | 1,409 | 5,491 | 181,192 |

| 16 | 181,192 | 6,900 | 1,432 | 5,468 | 179,760 |

| 17 | 179,760 | 6,900 | 1,456 | 5,444 | 178,304 |

| 18 | 178,304 | 6,900 | 1,479 | 5,421 | 176,825 |

| 19 | 176,825 | 6,900 | 1,503 | 5,397 | 175,322 |

| 20 | 175,322 | 6,900 | 1,527 | 5,373 | 173,795 |

| 21 | 173,795 | 6,900 | 1,551 | 5,349 | 172,244 |

| 22 | 172,244 | 6,900 | 1,576 | 5,324 | 170,668 |

| 23 | 170,668 | 6,900 | 1,601 | 5,299 | 169,067 |

| 24 | 169,067 | 6,900 | 1,626 | 5,274 | 167,441 |

| 25 | 167,441 | 6,900 | 1,652 | 5,248 | 165,789 |

| 26 | 165,789 | 6,900 | 1,678 | 5,222 | 164,111 |

| 27 | 164,111 | 6,900 | 1,703 | 5,197 | 162,408 |

| 28 | 162,408 | 6,900 | 1,729 | 5,171 | 160,679 |

| 29 | 160,679 | 6,900 | 1,755 | 5,145 | 158,924 |

| 30 | 158,924 | 6,900 | 1,782 | 5,118 | 157,142 |

| 31 | 157,142 | 6,900 | 1,809 | 5,091 | 155,333 |

| 32 | 155,333 | 6,900 | 1,836 | 5,064 | 153,497 |

| 33 | 153,497 | 6,900 | 1,864 | 5,036 | 151,633 |

| 34 | 151,633 | 6,900 | 1,891 | 5,009 | 149,742 |

| 35 | 149,742 | 6,900 | 1,919 | 4,981 | 147,823 |

| 36 | 147,823 | 6,900 | 1,948 | 4,952 | 145,875 |

注意事项

以上还款计划仅供参考，实际还款金额可能会因实际利率、还款方式等因素而略有不同。具体还款金额以银行出具的贷款合同为准。