平安贷款10万三年还利息计算方式

平安贷款10万三年还，贷款年利率为7%，则需要支付的利息总额为：

利息总额 = 贷款金额 × 年利率 × 还款年数

利息总额 = 100,000 × 0.07 × 3

利息总额 = 21,000元

还款计划

每月还款额为：

每月还款额 = (贷款金额 + 利息总额) / 还款月数

每月还款额 = (100,000 + 21,000) / (3 × 12)

每月还款额 = 3,083.33元

还款计划表

| 期数 | 本金 | 利息 | 月还款额 | 余额 |

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

| 1 | 2,777.78 | 255.55 | 3,083.33 | 97,222.22 |

| 2 | 2,817.92 | 245.41 | 3,083.33 | 94,404.30 |

| 3 | 2,858.20 | 235.13 | 3,083.33 | 91,546.10 |

| 4 | 2,898.61 | 224.72 | 3,083.33 | 88,647.49 |

| 5 | 2,939.17 | 214.16 | 3,083.33 | 85,708.32 |

| 6 | 2,979.89 | 203.44 | 3,083.33 | 82,728.43 |

| 7 | 3,020.77 | 192.56 | 3,083.33 | 79,707.66 |

| 8 | 3,061.81 | 181.52 | 3,083.33 | 76,645.85 |

| 9 | 3,103.02 | 170.31 | 3,083.33 | 73,542.83 |

| 10 | 3,144.39 | 158.94 | 3,083.33 | 70,398.44 |

| 11 | 3,185.93 | 147.40 | 3,083.33 | 67,212.51 |

| 12 | 3,227.64 | 135.69 | 3,083.33 | 64,034.87 |

| 13 | 3,269.53 | 123.80 | 3,083.33 | 60,765.34 |

| 14 | 3,311.59 | 111.74 | 3,083.33 | 57,453.75 |

| 15 | 3,353.84 | 99.49 | 3,083.33 | 54,099.91 |

| 16 | 3,396.27 | 87.06 | 3,083.33 | 50,703.64 |

| 17 | 3,438.89 | 64.44 | 3,083.33 | 47,264.75 |

| 18 | 3,481.71 | 41.62 | 3,083.33 | 43,783.04 |

| 19 | 3,524.74 | 18.59 | 3,083.33 | 40,258.30 |

| 20 | 3,567.98 | 5.35 | 3,083.33 | 36,690.32 |

| 21 | 3,611.43 | 0.00 | 3,083.33 | 33,128.89 |

| 22 | 3,655.10 | 0.00 | 3,083.33 | 29,473.79 |

| 23 | 3,698.99 | 0.00 | 3,083.33 | 25,774.80 |

| 24 | 3,743.09 | 0.00 | 3,083.33 | 22,031.71 |

| 25 | 3,787.42 | 0.00 | 3,083.33 | 18,244.29 |

| 26 | 3,831.98 | 0.00 | 3,083.33 | 14,412.31 |

| 27 | 3,876.77 | 0.00 | 3,083.33 | 10,535.54 |

| 28 | 3,921.80 | 0.00 | 3,083.33 | 6,613.74 |

| 29 | 3,967.07 | 0.00 | 3,083.33 | 2,646.67 |

| 30 | 4,012.58 | 0.00 | 3,083.33 | 0.00 |

| 31 | 4,012.58 | 0.00 | 3,083.33 | 0.00 |

| 32 | 4,012.58 | 0.00 | 3,083.33 | 0.00 |

| 33 | 4,012.58 | 0.00 | 3,083.33 | 0.00 |

| 34 | 4,012.58 | 0.00 | 3,083.33 | 0.00 |

| 35 | 4,012.58 | 0.00 | 3,083.33 | 0.00 |

| 36 | 4,012.58 | 0.00 | 3,083.33 | 0.00 |

综上所述，平安贷款10万三年还，总利息为21,000元，每月还款3,083.33元，总还款额为123,000元。