借款10万元，6厘利息，5年还款——计算方法

计算借款利息

借款利息 = 本金 利率 还款期限

= 100000 0.06 5

= 30000 元

计算每期还款额

等额本息还款

每期还款额 = （本金 + 利息）/ 还款期数

= （100000 + 30000）/ 60

= 2166.67 元

计算还款计划

| 期数 | 本金 | 利息 | 还款额 | 剩余本金 |

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

| 1 | 2166.67 | 500.00 | 2166.67 | 97833.33 |

| 2 | 2166.67 | 489.17 | 2166.67 | 95666.66 |

| 3 | 2166.67 | 478.33 | 2166.67 | 93500.00 |

| 4 | 2166.67 | 467.50 | 2166.67 | 91333.33 |

| 5 | 2166.67 | 456.67 | 2166.67 | 89166.66 |

| 6 | 2166.67 | 445.83 | 2166.67 | 87000.00 |

| 7 | 2166.67 | 435.00 | 2166.67 | 84833.33 |

| 8 | 2166.67 | 424.17 | 2166.67 | 82666.66 |

| 9 | 2166.67 | 413.33 | 2166.67 | 80500.00 |

| 10 | 2166.67 | 402.50 | 2166.67 | 78333.33 |

| 11 | 2166.67 | 391.67 | 2166.67 | 76166.66 |

| 12 | 2166.67 | 380.83 | 2166.67 | 74000.00 |

| 13 | 2166.67 | 370.00 | 2166.67 | 71833.33 |

| 14 | 2166.67 | 359.17 | 2166.67 | 69666.66 |

| 15 | 2166.67 | 348.33 | 2166.67 | 67500.00 |

| 16 | 2166.67 | 337.50 | 2166.67 | 65333.33 |

| 17 | 2166.67 | 326.67 | 2166.67 | 63166.66 |

| 18 | 2166.67 | 315.83 | 2166.67 | 61000.00 |

| 19 | 2166.67 | 305.00 | 2166.67 | 58833.33 |

| 20 | 2166.67 | 294.17 | 2166.67 | 56666.66 |

| 21 | 2166.67 | 283.33 | 2166.67 | 54500.00 |

| 22 | 2166.67 | 272.50 | 2166.67 | 52333.33 |

| 23 | 2166.67 | 261.67 | 2166.67 | 50166.66 |

| 24 | 2166.67 | 250.83 | 2166.67 | 48000.00 |

| 25 | 2166.67 | 240.00 | 2166.67 | 45833.33 |

| 26 | 2166.67 | 229.17 | 2166.67 | 43666.66 |

| 27 | 2166.67 | 218.33 | 2166.67 | 41500.00 |

| 28 | 2166.67 | 207.50 | 2166.67 | 39333.33 |

| 29 | 2166.67 | 196.67 | 2166.67 | 37166.66 |

| 30 | 2166.67 | 185.83 | 2166.67 | 35000.00 |

| 31 | 2166.67 | 175.00 | 2166.67 | 32833.33 |

| 32 | 2166.67 | 164.17 | 2166.67 | 30666.66 |

| 33 | 2166.67 | 153.33 | 2166.67 | 28500.00 |

| 34 | 2166.67 | 142.50 | 2166.67 | 26333.33 |

| 35 | 2166.67 | 131.67 | 2166.67 | 24166.66 |

| 36 | 2166.67 | 120.83 | 2166.67 | 22000.00 |

| 37 | 2166.67 | 110.00 | 2166.67 | 19833.33 |

| 38 | 2166.67 | 99.17 | 2166.67 | 17666.66 |

| 39 | 2166.67 | 88.33 | 2166.67 | 15500.00 |

| 40 | 2166.67 | 77.50 | 2166.67 | 13333.33 |

| 41 | 2166.67 | 66.67 | 2166.67 | 11166.66 |

| 42 | 2166.67 | 55.83 | 2166.67 | 9000.00 |

| 43 | 2166.67 | 45.00 | 2166.67 | 6833.33 |

| 44 | 2166.67 | 34.17 | 2166.67 | 4666.66 |

| 45 | 2166.67 | 23.33 | 2166.67 |