贷款20万两年还多少？

贷款20万元，期限为两年，若采用分期还款的方式，总还款金额将受到贷款利率的影响。假设贷款利率为年利率6%，则分期还款明细如下：

每月还款额

每月还款额=贷款金额(1+贷款利率)^贷款期限/((1+贷款利率)^贷款期限-1)

代入数据，可得：每月还款额=200000(1+0.06)^2/((1+0.06)^2-1) = 9,891.52元

还款计划表

| 期数 | 本金 | 利息 | 剩余本金 |

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

| 1 | 5,939.73 | 3,951.79 | 194,060.27 |

| 2 | 6,006.79 | 3,884.73 | 188,053.48 |

| 3 | 6,075.00 | 3,816.52 | 181,978.48 |

| 4 | 6,144.38 | 3,747.14 | 175,834.10 |

| 5 | 6,214.91 | 3,676.61 | 169,619.19 |

| 6 | 6,286.59 | 3,604.93 | 163,332.60 |

| 7 | 6,359.43 | 3,531.09 | 156,973.17 |

| 8 | 6,433.42 | 3,457.10 | 150,539.75 |

| 9 | 6,508.57 | 3,381.95 | 144,031.18 |

| 10 | 6,584.87 | 3,305.65 | 137,446.31 |

| 11 | 6,662.33 | 3,227.19 | 130,783.98 |

| 12 | 6,740.93 | 3,148.59 | 124,043.05 |

| 13 | 6,820.69 | 3,068.83 | 117,222.36 |

| 14 | 6,901.60 | 2,986.92 | 110,320.76 |

| 15 | 6,983.67 | 2,904.85 | 103,337.09 |

| 16 | 7,066.91 | 2,821.61 | 96,270.18 |

| 17 | 7,151.31 | 2,737.21 | 89,118.87 |

| 18 | 7,236.89 | 2,651.63 | 81,881.98 |

| 19 | 7,323.64 | 2,564.88 | 74,558.34 |

| 20 | 7,411.57 | 2,477.95 | 67,146.77 |

| 21 | 7,500.68 | 2,388.84 | 59,646.09 |

| 22 | 7,591.00 | 2,300.52 | 52,055.09 |

| 23 | 7,682.53 | 2,210.99 | 44,372.56 |

| 24 | 7,775.29 | 2,116.23 | 36,597.27 |

总还款金额

总还款金额=每月还款额还款期限

代入数据，可得：总还款金额=9,891.5224 = 237,396.48元

总还款金额中包括本金200,000元和利息37,396.48元。