借10万元20个月还款利息一览表
借款金额：100,000元
还款期限：20个月
贷款利率：按月利率递增
| 月份 | 月利率 | 利息（元） |
|---|---|---|
| 1 | 0.5% | 500 |
| 2 | 0.6% | 600 |
| 3 | 0.7% | 700 |
| 4 | 0.8% | 800 |
| 5 | 0.9% | 900 |
| 6 | 1.0% | 1,000 |
| 7 | 1.1% | 1,100 |
| 8 | 1.2% | 1,200 |
| 9 | 1.3% | 1,300 |
| 10 | 1.4% | 1,400 |
| 11 | 1.5% | 1,500 |
| 12 | 1.6% | 1,600 |
| 13 | 1.7% | 1,700 |
| 14 | 1.8% | 1,800 |
| 15 | 1.9% | 1,900 |
| 16 | 2.0% | 2,000 |
| 17 | 2.1% | 2,100 |
| 18 | 2.2% | 2,200 |
| 19 | 2.3% | 2,300 |
| 20 | 2.4% | 2,400 |
| 总计 | 24,000 |
如何计算利息
根据月利率递增的规则，借款第i个月的利息公式为：
Li = (100,000 Li-1% / 12) + (100,000 Li-2% / 12) + ... + (100,000 L1% / 12)
其中：
Li：第i个月的利息
Li-1：第i-1个月的利率
Li-2：第i-2个月的利率
...
L1：第一个月的利率
还款计划
还款计划如下：
| 月份 | 本金偿还（元） | 利息偿还（元） | 月供（元） | 余额（元） |
|---|---|---|---|---|
| 1 | 5,000 | 500 | 5,500 | 95,000 |
| 2 | 5,000 | 600 | 5,600 | 90,000 |
| 3 | 5,000 | 700 | 5,700 | 85,000 |
| 4 | 5,000 | 800 | 5,800 | 80,000 |
| 5 | 5,000 | 900 | 5,900 | 75,000 |
| 6 | 5,000 | 1,000 | 6,000 | 70,000 |
| 7 | 5,000 | 1,100 | 6,100 | 65,000 |
| 8 | 5,000 | 1,200 | 6,200 | 60,000 |
| 9 | 5,000 | 1,300 | 6,300 | 55,000 |
| 10 | 5,000 | 1,400 | 6,400 | 50,000 |
| 11 | 5,000 | 1,500 | 6,500 | 45,000 |
| 12 | 5,000 | 1,600 | 6,600 | 40,000 |
| 13 | 5,000 | 1,700 | 6,700 | 35,000 |
| 14 | 5,000 | 1,800 | 6,800 | 30,000 |
| 15 | 5,000 | 1,900 | 6,900 | 25,000 |
| 16 | 5,000 | 2,000 | 7,000 | 20,000 |
| 17 | 5,000 | 2,100 | 7,100 | 15,000 |
| 18 | 5,000 | 2,200 | 7,200 | 10,000 |
| 19 | 5,000 | 2,300 | 7,300 | 5,000 |
| 20 | 5,000 | 2,400 | 7,400 | 0 |
| 总计 | 100,000 | 24,000 | 124,000 |
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