贷款3万元，利率9.57%，利息计算

贷款金额：30,000元

贷款利率：9.57%

贷款期限：按36个月（3年）计算

利息计算方式：贷款金额 贷款利率 贷款期限

利息 = 30,000元 9.57% 3 = 8,613元

月供计算

等额本息还款法月供计算公式：月供 = [贷款本金 月利率 (1 + 月利率) ^ 还款月数] / [(1 + 月利率) ^ 还款月数 - 1]

月利率 = 年利率 / 12 = 9.57% / 12 = 0.7975%

月供 = [30,000元 0.7975% (1 + 0.7975%) ^ 36] / [(1 + 0.7975%) ^ 36 - 1]

月供 = 968.44元

还款计划

以下为贷款30,000元，利率9.57%，贷款期限3年的还款计划：

| 期数 | 本金 | 利息 | 月供 | 余额 |

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

| 1 | 236.56 | 63.44 | 968.44 | 29,763.44 |

| 2 | 241.78 | 61.66 | 968.44 | 29,521.66 |

| 3 | 247.11 | 59.89 | 968.44 | 29,274.55 |

| 4 | 252.56 | 58.14 | 968.44 | 29,021.99 |

| 5 | 258.12 | 56.38 | 968.44 | 28,763.87 |

| 6 | 263.79 | 54.65 | 968.44 | 28,499.08 |

| 7 | 269.59 | 52.85 | 968.44 | 28,229.49 |

| 8 | 275.50 | 51.04 | 968.44 | 27,953.99 |

| 9 | 281.52 | 49.22 | 968.44 | 27,672.47 |

| 10 | 287.66 | 47.38 | 968.44 | 27,384.81 |

| 11 | 293.90 | 45.44 | 968.44 | 27,090.91 |

| 12 | 300.26 | 43.58 | 968.44 | 26,790.65 |

| 13 | 306.73 | 41.71 | 968.44 | 26,483.92 |

| 14 | 313.31 | 39.83 | 968.44 | 26,170.61 |

| 15 | 320.00 | 37.94 | 968.44 | 25,840.61 |

| 16 | 326.81 | 36.03 | 968.44 | 25,503.80 |

| 17 | 333.73 | 34.11 | 968.44 | 25,160.07 |

| 18 | 340.76 | 32.18 | 968.44 | 24,819.31 |

| 19 | 347.90 | 30.24 | 968.44 | 24,471.41 |

| 20 | 355.15 | 28.29 | 968.44 | 24,116.26 |

| 21 | 362.52 | 26.32 | 968.44 | 23,753.74 |

| 22 | 370.00 | 24.34 | 968.44 | 23,383.74 |

| 23 | 377.59 | 22.35 | 968.44 | 23,006.15 |

| 24 | 385.29 | 20.35 | 968.44 | 22,620.86 |

| 25 | 393.11 | 18.33 | 968.44 | 22,227.75 |

| 26 | 401.03 | 16.31 | 968.44 | 21,826.72 |

| 27 | 409.07 | 14.27 | 968.44 | 21,417.65 |

| 28 | 417.22 | 12.22 | 968.44 | 21,000.43 |

| 29 | 425.47 | 10.17 | 968.44 | 20,574.96 |

| 30 | 433.83 | 8.11 | 968.44 | 20,131.13 |

| 31 | 442.30 | 6.04 | 968.44 | 19,688.83 |

| 32 | 450.87 | 3.97 | 968.44 | 19,237.96 |

| 33 | 459.56 | 1.98 | 968.44 | 18,778.30 |

| 34 | 468.35 | 0 | 968.44 | 18,309.95 |

| 35 | 477.25 | 0 | 968.44 | 17,832.70 |

| 36 | 486.25 | 0 | 968.44 | 17,346.45 |