借款30万元手续费3万元怎么算？
当借款30万元，手续费3万元时，实际到手金额为30万元-3万元=27万元。手续费一般会一次性收取，不会计入贷款本金中。
逐月还款计划
假设贷款期限为5年，年利率为5.88%，月利率为5.88%/12=0.49%。
| 还款月数 | 本金 | 利息 | 月供 | 还款后余额 |
|---|---|---|---|---|
| 1 | 4,375.84 | 1,134.16 | 5,510.00 | 265,624.16 |
| 2 | 4,395.19 | 1,114.81 | 5,510.00 | 261,228.97 |
| 3 | 4,414.70 | 1,095.30 | 5,510.00 | 256,814.27 |
| 4 | 4,434.39 | 1,075.61 | 5,510.00 | 252,379.88 |
| 5 | 4,454.27 | 1,055.73 | 5,510.00 | 247,925.61 |
| 6 | 4,474.33 | 1,035.67 | 5,510.00 | 243,451.28 |
| 7 | 4,494.58 | 1,015.42 | 5,510.00 | 238,956.70 |
| 8 | 4,515.02 | 995.98 | 5,510.00 | 234,441.68 |
| 9 | 4,535.65 | 976.35 | 5,510.00 | 229,906.03 |
| 10 | 4,556.49 | 956.51 | 5,510.00 | 225,349.54 |
| 11 | 4,577.54 | 936.46 | 5,510.00 | 220,772.00 |
| 12 | 4,598.79 | 916.21 | 5,510.00 | 216,173.21 |
| 13 | 4,620.25 | 895.75 | 5,510.00 | 211,552.96 |
| 14 | 4,641.94 | 875.06 | 5,510.00 | 206,911.02 |
| 15 | 4,663.85 | 854.15 | 5,510.00 | 202,247.17 |
| 16 | 4,686.00 | 833.00 | 5,510.00 | 197,561.17 |
| 17 | 4,708.38 | 811.62 | 5,510.00 | 192,852.79 |
| 18 | 4,730.99 | 790.01 | 5,510.00 | 188,121.80 |
| 19 | 4,753.84 | 768.16 | 5,510.00 | 183,367.96 |
| 20 | 4,776.94 | 746.06 | 5,510.00 | 178,591.02 |
| 21 | 4,800.27 | 723.73 | 5,510.00 | 173,790.75 |
| 22 | 4,823.84 | 701.16 | 5,510.00 | 168,966.91 |
| 23 | 4,847.66 | 678.34 | 5,510.00 | 164,119.25 |
| 24 | 4,871.74 | 655.26 | 5,510.00 | 159,247.51 |
| 25 | 4,896.07 | 631.93 | 5,510.00 | 154,351.44 |
| 26 | 4,920.67 | 608.33 | 5,510.00 | 149,430.77 |
| 27 | 4,945.53 | 584.47 | 5,510.00 | 144,485.24 |
| 28 | 4,970.66 | 560.34 | 5,510.00 | 139,514.58 |
| 29 | 4,996.06 | 535.94 | 5,510.00 | 134,518.52 |
| 30 | 5,021.74 | 488.26 | 5,510.00 | 129,496.78 |
| 31 | 5,047.70 | 462.30 | 5,510.00 | 124,449.08 |
| 32 | 5,073.94 | 436.06 | 5,510.00 | 119,375.14 |
| 33 | 5,100.47 | 409.53 | 5,510.00 | 114,274.67 |
| 34 | 5,127.29 | 382.71 | 5,510.00 | 109,147.38 |
| 35 | 5,154.40 | 355.60 | 5,510.00 | 103,992.98 |
| 36 | 5,181.81 | 328.19 | 5,510.00 | 98,811.17 |
| 37 | 5,209.53 | 300.47 | 5,510.00 | 93,601.64 |
| 38 | 5,237.56 | 272.44 | 5,510.00 | 88,364.08 |
| 39 | 5,265.88 | 244.12 | 5,510.00 | 83,098.20 |
| 40 | 5,294.51 | 215.49 | 5,510.00 | 77,803.69 |
| 41 | 5,323.45 | 186.55 | 5,510.00 | 72,480.24 |
| 42 | 5,352.69 | 157.31 |
借款30万元手续费3万元合法吗？骗局解析
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