借40万按5厘利息每月还多少合适？

借款40万，按年利率5厘（0.5%）计算，月利率为0.5% ÷ 12 = 0.0417%。

每月还款额计算

每月还款额包括本金和利息两部分。根据等额本息还款法，每月还款额为：

每月还款额 = 400000 × 0.0417% × (1 + 0.0417%)^120 ÷ ((1 + 0.0417%)^120 - 1) = 2,522.22元

还款计划

以下是借款40万，按5厘利息，每月还款2,522.22元的还款计划：

| 期数 | 本金（元） | 利息（元） | 还款总额（元） | 剩余本金（元） |

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

第一年

| 1 | 2,083.33 | 438.89 | 2,522.22 | 397,916.67 |

| 2 | 2,083.33 | 438.89 | 2,522.22 | 395,833.34 |

| 3 | 2,083.33 | 438.89 | 2,522.22 | 393,750.01 |

| 4 | 2,083.33 | 438.89 | 2,522.22 | 391,666.68 |

| 5 | 2,083.33 | 438.89 | 2,522.22 | 389,583.35 |

| 6 | 2,083.33 | 438.89 | 2,522.22 | 387,500.02 |

| 7 | 2,083.33 | 438.89 | 2,522.22 | 385,416.69 |

| 8 | 2,083.33 | 438.89 | 2,522.22 | 383,333.36 |

| 9 | 2,083.33 | 438.89 | 2,522.22 | 381,250.03 |

| 10 | 2,083.33 | 438.89 | 2,522.22 | 379,166.70 |

| 11 | 2,083.33 | 438.89 | 2,522.22 | 377,083.37 |

| 12 | 2,083.33 | 438.89 | 2,522.22 | 375,000.04 |

第二年

| 13 | 2,083.33 | 438.89 | 2,522.22 | 372,916.71 |

| 14 | 2,083.33 | 438.89 | 2,522.22 | 370,833.38 |

| 15 | 2,083.33 | 438.89 | 2,522.22 | 368,750.05 |

| 16 | 2,083.33 | 438.89 | 2,522.22 | 366,666.72 |

| 17 | 2,083.33 | 438.89 | 2,522.22 | 364,583.39 |

| 18 | 2,083.33 | 438.89 | 2,522.22 | 362,500.06 |

| 19 | 2,083.33 | 438.89 | 2,522.22 | 360,416.73 |

| 20 | 2,083.33 | 438.89 | 2,522.22 | 358,333.40 |

| 21 | 2,083.33 | 438.89 | 2,522.22 | 356,250.07 |

| 22 | 2,083.33 | 438.89 | 2,522.22 | 354,166.74 |

| 23 | 2,083.33 | 438.89 | 2,522.22 | 352,083.41 |

| 24 | 2,083.33 | 438.89 | 2,522.22 | 350,000.08 |

第三年

| 25 | 2,083.33 | 438.89 | 2,522.22 | 347,916.75 |

| 26 | 2,083.33 | 438.89 | 2,522.22 | 345,833.42 |

| 27 | 2,083.33 | 438.89 | 2,522.22 | 343,750.09 |

| 28 | 2,083.33 | 438.89 | 2,522.22 | 341,666.76 |

| 29 | 2,083.33 | 438.89 | 2,522.22 | 339,583.43 |

| 30 | 2,083.33 | 438.89 | 2,522.22 | 337,500.10 |

| 31 | 2,083.33 | 438.89 | 2,522.22 | 335,416.77 |

| 32 | 2,083.33 | 438.89 | 2,522.22 | 333,333.44 |

| 33 | 2,083.33 | 438.89 | 2,522.22 | 331,250.11 |

| 34 | 2,083.33 | 438.89 | 2,522.22 | 329,166.78 |

| 35 | 2,083.33 | 438.89 | 2,522.22 | 327