贷款金额与利息

在中国银行贷款10万元，期限为5年，利息总额为12500元。其中，利息率为年利率2.5%。

每月还款额

贷款的每月还款额可以通过以下公式计算：

月供 = (贷款总额 年利率 / 12) / (1 - (1 + 年利率 / 12)^(-贷款期限 12))

将贷款金额、年利率和贷款期限代入公式中，可得：

月供 = (100000 0.025 / 12) / (1 - (1 + 0.025 / 12)^(-5 12)) = 1694.92元

每月还款明细

以下是每月还款明细表：

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

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

| 1 | 164.07 | 50.85 | 1694.92 | 98359.30 |

| 2 | 164.41 | 49.91 | 1694.92 | 96714.89 |

| 3 | 164.75 | 48.97 | 1694.92 | 95069.97 |

| 4 | 165.10 | 48.02 | 1694.92 | 93424.87 |

| 5 | 165.45 | 47.07 | 1694.92 | 91780.32 |

| 6 | 165.81 | 46.11 | 1694.92 | 90154.41 |

| 7 | 166.17 | 45.15 | 1694.92 | 88548.29 |

| 8 | 166.54 | 44.18 | 1694.92 | 86961.75 |

| 9 | 166.91 | 43.21 | 1694.92 | 85394.84 |

| 10 | 167.28 | 42.24 | 1694.92 | 83847.56 |

| 11 | 167.66 | 41.26 | 1694.92 | 82319.90 |

| 12 | 168.04 | 40.28 | 1694.92 | 80811.86 |

| 13 | 168.42 | 39.30 | 1694.92 | 79323.44 |

| 14 | 168.81 | 38.31 | 1694.92 | 77854.53 |

| 15 | 169.20 | 37.32 | 1694.92 | 76405.13 |

| 16 | 169.60 | 36.32 | 1694.92 | 74975.23 |

| 17 | 170.00 | 35.32 | 1694.92 | 73565.23 |

| 18 | 170.41 | 34.31 | 1694.92 | 72174.82 |

| 19 | 170.82 | 33.30 | 1694.92 | 70803.99 |

| 20 | 171.24 | 32.28 | 1694.92 | 69452.75 |

| 21 | 171.66 | 31.26 | 1694.92 | 68121.09 |

| 22 | 172.08 | 30.24 | 1694.92 | 66810.01 |

| 23 | 172.51 | 29.21 | 1694.92 | 65517.50 |

| 24 | 172.94 | 28.18 | 1694.92 | 64244.56 |

| 25 | 173.38 | 27.14 | 1694.92 | 62991.18 |

| 26 | 173.82 | 26.10 | 1694.92 | 61757.36 |

| 27 | 174.27 | 25.05 | 1694.92 | 60543.14 |

| 28 | 174.73 | 23.99 | 1694.92 | 59348.51 |

| 29 | 175.19 | 22.93 | 1694.92 | 58173.42 |

| 30 | 175.66 | 21.86 | 1694.92 | 57017.86 |

| 31 | 176.13 | 20.80 | 1694.92 | 55881.73 |

| 32 | 176.61 | 19.71 | 1694.92 | 54765.04 |

| 33 | 177.10 | 18.62 | 1694.92 | 53667.16 |

| 34 | 177.59 | 17.53 | 1694.92 | 52589.27 |

| 35 | 178.09 | 16.43 | 1694.92 | 51530.38 |

| 36 | 178.59 | 15.34 | 1694.92 | 50491.94 |

| 37 | 179.09 | 14.23 | 1694.92 | 50477.65 |

| 38 | 179.59 | 13.13 | 1694.92 | 48484.13 |

| 39 | 180.10 | 12.02 | 1694.92 | 46514.03 |

| 40 | 180.61 | 10.91 | 1694.92 | 44563.42 |

| 41 | 181.13 | 9.80 | 1694.92 | 42634.08 |

| 42 | 181.65 | 8.67 | 1694.92 | 40726.43 |

| 43 | 182.17 | 7.55 | 1694.92 | 38840.26 |

| 44 | 182.70 | 6.42 | 1694.92 | 36977.56 |

| 45 | 183.23 | 5.30 | 1694.92 | 35137.23 |

| 46 | 183.