农村信用社贷款5万两年还多少？

根据农村信用社贷款利率政策，贷款5万元两年，年利率假设为6.45%，则每月应还款金额为：

每月还款金额 = 本金 贷款利率 / 12 + 本金 (1 + 贷款利率 / 12)²⁴-1 / (1 + 贷款利率 / 12)²⁴

= 50000 6.45% / 12 + 50000 (1 + 6.45% / 12)²⁴-1 / (1 + 6.45% / 12)²⁴

= 263.88 + 2279.26

= 2543.14元

因此，贷款5万元两年，需偿还的总利息为：

总利息 = 月应还款金额 24 - 本金

= 2543.14元 24 - 50000元

= 3707.36元

还款计划表

| 期 数 | 还款日期 | 当期应还利息 | 当期应还本金 | 当期还款金额 | 剩余本金 |

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

| 1 | 2023-04-01 | 263.88 | 2279.26 | 2543.14 | 47720.74 |

| 2 | 2023-05-01 | 254.45 | 2288.69 | 2543.14 | 45432.05 |

| 3 | 2023-06-01 | 245.19 | 2298.95 | 2543.14 | 43133.10 |

| 4 | 2023-07-01 | 236.10 | 2309.94 | 2543.14 | 40823.16 |

| 5 | 2023-08-01 | 227.19 | 2321.65 | 2543.14 | 38491.51 |

| 6 | 2023-09-01 | 218.46 | 2334.08 | 2543.14 | 36157.43 |

| 7 | 2023-10-01 | 210.00 | 2347.14 | 2543.14 | 33810.29 |

| 8 | 2023-11-01 | 201.81 | 2360.83 | 2543.14 | 31449.46 |

| 9 | 2023-12-01 | 193.89 | 2375.15 | 2543.14 | 29074.31 |

| 10 | 2024-01-01 | 186.24 | 2390.10 | 2543.14 | 26684.21 |

| 11 | 2024-02-01 | 178.87 | 2405.67 | 2543.14 | 24278.54 |

| 12 | 2024-03-01 | 171.78 | 2421.86 | 2543.14 | 21856.68 |

| 13 | 2024-04-01 | 165.06 | 2438.68 | 2543.14 | 19418.00 |

| 14 | 2024-05-01 | 158.62 | 2456.12 | 2543.14 | 16961.88 |

| 15 | 2024-06-01 | 152.45 | 2474.29 | 2543.14 | 14487.59 |

| 16 | 2024-07-01 | 146.56 | 2493.18 | 2543.14 | 11994.41 |

| 17 | 2024-08-01 | 140.94 | 2512.80 | 2543.14 | 9481.61 |

| 18 | 2024-09-01 | 135.59 | 2533.15 | 2543.14 | 6948.46 |

| 19 | 2024-10-01 | 130.51 | 2554.23 | 2543.14 | 4394.23 |

| 20 | 2024-11-01 | 125.69 | 2576.05 | 2543.14 | 1818.18 |

| 21 | 2024-12-01 | 121.14 | 2598.50 | 2543.14 | 0.00 |

| 22 | 2025-01-01 | 116.84 | 2621.60 | 2543.14 | 0.00 |

| 23 | 2025-02-01 | 112.79 | 2645.35 | 2543.14 | 0.00 |

| 24 | 2025-03-01 | 109.00 | 2669.74 | 2543.14 | 0.00 |