贷款 10 万 3 年利率 5.8%，一个月还多少？还款明细表

贷款金额和期限

贷款金额：100,000 元

贷款期限：3 年

利率

贷款利率：5.8%

每月还款额

月利率：5.8% ÷ 12 = 0.4833%

每月还款额 = 贷款金额 × 月利率 × (1 + 月利率)^贷款期数 / [(1 + 月利率)^贷款期数 - 1]

每月还款额 = 100,000 × 0.004833 × (1 + 0.004833)^36 / [(1 + 0.004833)^36 - 1]

每月还款额 ≈ 3,324 元

贷款利息

贷款总利息 = 月还款额 × 贷款期数 - 贷款金额

贷款总利息 = 3,324 × 36 - 100,000

贷款总利息 ≈ 19,544 元

还款明细表

| 期数 | 本金 (元) | 利息 (元) | 余额 (元) |

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

| 1 | 271.37 | 3,052.63 | 99,728.63 |

| 2 | 547.12 | 2,776.88 | 99,181.51 |

| 3 | 827.30 | 2,496.70 | 98,354.21 |

| 4 | 1,111.93 | 2,212.07 | 97,242.28 |

| 5 | 1,401.02 | 1,922.98 | 95,841.26 |

| 6 | 1,694.61 | 1,639.39 | 94,146.65 |

| 7 | 1,992.73 | 1,351.27 | 92,153.92 |

| 8 | 2,295.41 | 1,068.59 | 89,858.51 |

| 9 | 2,602.69 | 791.31 | 87,255.82 |

| 10 | 2,914.60 | 524.40 | 84,341.22 |

| 11 | 3,231.18 | 272.82 | 81,110.04 |

| 12 | 3,552.46 | 73.54 | 77,557.58 |

| 13 | 3,878.48 | - | 73,679.10 |

| 14 | 4,209.28 | - | 69,469.82 |

| 15 | 4,544.90 | - | 64,924.92 |

| 16 | 4,885.40 | - | 60,039.52 |

| 17 | 5,230.79 | - | 54,808.73 |

| 18 | 5,581.12 | - | 49,227.61 |

| 19 | 5,936.45 | - | 43,291.16 |

| 20 | 6,296.82 | - | 37,054.34 |

| 21 | 6,662.28 | - | 30,392.06 |

| 22 | 7,033.00 | - | 23,359.06 |

| 23 | 7,409.05 | - | 15,949.99 |

| 24 | 7,790.52 | - | 8,160.47 |

| 25 | 8,177.51 | - | 589.03 |

| 26 | 8,570.09 | - | - |

| 27 | 8,968.28 | - | - |

| 28 | 9,372.14 | - | - |

| 29 | 9,781.73 | - | - |

| 30 | 10,197.13 | - | - |

| 31 | 10,618.44 | - | - |

| 32 | 11,045.72 | - | - |

| 33 | 11,479.03 | - | - |

| 34 | 11,918.54 | - | - |

| 35 | 12,364.36 | - | - |

| 36 | 12,816.59 | - | - |