农村建房贷款20万分三年还款金额
根据等额本金还款法，贷款20万分3年还款，每月还款金额为：
每月还款额 = (贷款金额 贷款利率 (1 + 贷款利率)^还款期限) / ((1 + 贷款利率)^还款期限 - 1)
其中，贷款利率假设为年利率6%，还款期限为36个月。
带入数据得：
每月还款额 = (200000 0.06 (1 + 0.06)^36) / ((1 + 0.06)^36 - 1)
每月还款额 ≈ 7,219.31元
因此，农村建房贷款20万分3年还款，每月需还款7,219.31元。
每月还款明细
以下是每月还款明细表：
| 1 | 7,219.31 | 6,149.52 | 1,069.79 | 193,850.48 |
| 2 | 7,219.31 | 6,172.82 | 1,046.49 | 187,677.66 |
| 3 | 7,219.31 | 6,196.21 | 1,023.10 | 181,481.45 |
| 4 | 7,219.31 | 6,219.68 | 999.63 | 175,261.77 |
| 5 | 7,219.31 | 6,243.23 | 976.08 | 169,018.54 |
| 6 | 7,219.31 | 6,266.86 | 952.45 | 162,751.68 |
| 7 | 7,219.31 | 6,290.58 | 928.73 | 156,461.10 |
| 8 | 7,219.31 | 6,314.38 | 904.93 | 150,146.72 |
| 9 | 7,219.31 | 6,338.27 | 881.04 | 143,808.45 |
| 10 | 7,219.31 | 6,362.24 | 857.07 | 137,446.21 |
| 11 | 7,219.31 | 6,386.29 | 833.02 | 131,059.92 |
| 12 | 7,219.31 | 6,410.42 | 808.89 | 124,649.50 |
| 13 | 7,219.31 | 6,434.63 | 784.68 | 118,214.87 |
| 14 | 7,219.31 | 6,458.92 | 760.39 | 111,755.95 |
| 15 | 7,219.31 | 6,483.29 | 736.02 | 105,272.66 |
| 16 | 7,219.31 | 6,507.74 | 711.57 | 98,764.92 |
| 17 | 7,219.31 | 6,532.27 | 687.04 | 92,232.65 |
| 18 | 7,219.31 | 6,556.88 | 662.43 | 85,675.77 |
| 19 | 7,219.31 | 6,581.57 | 637.74 | 79,094.20 |
| 20 | 7,219.31 | 6,606.34 | 612.97 | 72,487.86 |
| 21 | 7,219.31 | 6,631.19 | 588.12 | 65,856.67 |
| 22 | 7,219.31 | 6,656.12 | 563.19 | 59,200.55 |
| 23 | 7,219.31 | 6,681.13 | 538.18 | 52,519.42 |
| 24 | 7,219.31 | 6,706.22 | 513.09 | 45,813.20 |
| 25 | 7,219.31 | 6,731.39 | 487.92 | 39,081.81 |
| 26 | 7,219.31 | 6,756.64 | 462.67 | 32,325.17 |
| 27 | 7,219.31 | 6,781.97 | 437.34 | 25,543.20 |
| 28 | 7,219.31 | 6,807.38 | 411.93 | 18,735.82 |
| 29 | 7,219.31 | 6,832.87 | 386.44 | 11,902.95 |
| 30 | 7,219.31 | 6,858.44 | 360.87 | 5,044.51 |
| 31 | 7,219.31 | 6,884.10 | 335.21 | 0 |
| 32 | 7,219.31 | 6,884.10 | 335.21 | 0 |
| 33 | 7,219.31 | 6,884.10 | 335.21 | 0 |
| 34 |
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