去银行贷款4万两年要还多少钱费用？

向银行贷款4万元，期限为两年，需要支付的费用包括本金、利息和手续费。具体费用明细如下：

本金

贷款本金为4万元，在贷款到期时一次性还清。

利息

贷款利息按贷款利率计算。假设贷款利率为5%，则利息计算如下：

利息 = 本金 × 年利率 × 期限

利息 = 40,000 × 5% × 2

利息 = 4,000

手续费

银行通常会收取手续费，这部分费用可能包含贷款受理费、担保费、抵押登记费等。假设手续费为1%，则手续费计算如下：

手续费 = 本金 × 手续费率

手续费 = 40,000 × 1%

手续费 = 400

还款计划

两年期贷款，可以采用等额本息还款法或等额本金还款法。等额本息还款法每月还款金额相同，而等额本金还款法每月还款本金部分相同，利息部分逐渐减少。

等额本息还款法

假设贷款利率为5%，则等额本息还款计划如下：

| 期数 | 本金 (元) | 利息 (元) | 还款总额 (元) | 余额 (元) |

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

| 1 | 1,666.67 | 166.67 | 1,833.33 | 38,333.33 |

| 2 | 1,666.67 | 166.66 | 1,833.33 | 36,666.66 |

| 3 | 1,666.67 | 166.65 | 1,833.32 | 35,000.00 |

| 4 | 1,666.67 | 166.63 | 1,833.30 | 33,333.33 |

| 5 | 1,666.67 | 166.62 | 1,833.29 | 31,666.66 |

| 6 | 1,666.67 | 166.60 | 1,833.27 | 30,000.00 |

| 7 | 1,666.67 | 166.59 | 1,833.26 | 28,333.33 |

| 8 | 1,666.67 | 166.57 | 1,833.24 | 26,666.66 |

| 9 | 1,666.67 | 166.55 | 1,833.22 | 25,000.00 |

| 10 | 1,666.67 | 166.54 | 1,833.21 | 23,333.33 |

| 11 | 1,666.67 | 166.52 | 1,833.19 | 21,666.66 |

| 12 | 1,666.67 | 166.50 | 1,833.17 | 20,000.00 |

| 13 | 1,666.67 | 166.49 | 1,833.16 | 18,333.33 |

| 14 | 1,666.67 | 166.47 | 1,833.14 | 16,666.66 |

| 15 | 1,666.67 | 166.45 | 1,833.12 | 15,000.00 |

| 16 | 1,666.67 | 166.44 | 1,833.11 | 13,333.33 |

| 17 | 1,666.67 | 166.42 | 1,833.09 | 11,666.66 |

| 18 | 1,666.67 | 166.41 | 1,833.08 | 10,000.00 |

| 19 | 1,666.67 | 166.39 | 1,833.06 | 8,333.33 |

| 20 | 1,666.67 | 166.37 | 1,833.04 | 6,666.66 |

| 21 | 1,666.67 | 166.36 | 1,833.03 | 5,000.00 |

| 22 | 1,666.67 | 166.34 | 1,833.01 | 3,333.33 |

| 23 | 1,666.67 | 166.32 | 1,833.00 | 1,666.66 |

| 24 | 1,666.67 | 166.31 | 1,832.98 | 0.00 |

等额本金还款法

假设贷款利率为5%，则等额本金还款计划如下：

| 期数 | 本金 (元) | 利息 (元) | 还款总额 (元) | 余额 (元) |

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

| 1 | 2,000.00 | 166.67 | 2,166.67 | 38,000.00 |

| 2 | 2,000.00 | 162.50 | 2,162.50 | 36,000.00 |

| 3 | 2,000.00 | 158.33 | 2,158.33 | 34,000.00 |

| 4 | 2,000.00 | 154.17 | 2,154.17 | 32,000.00 |

| 5 | 2,000.00 | 150.00 | 2,150.00 | 30,000.00 |

| 6 | 2,000.00 | 145.83 | 2,145.83 | 28,000.00 |

| 7 | 2,000.00 | 141.67 | 2,141.67 | 26,000.00 |

| 8 | 2,000.00 | 137.50 | 2,137.50 | 24,000.00 |

| 9 | 2,000.00 | 133.33 | 2,133.33 | 22,000.00 |

| 10 | 2,000.00 | 129.17 | 2,129.17 | 20,000.00 |

| 11 | 2,000.00 | 125.00 | 2,125.00 | 18,000.00 |

| 12 | 2,000.00 | 120.83 | 2,120.83 | 16,000.00 |

| 13 | 2,000.