贷款金额和期限确定
贷款金额为30万元，贷款期限为6年，年利率为3.8%。
贷款月供计算
贷款月供计算公式为：月供=（贷款本金×月利率×（1+月利率）^贷款月数）/（（1+月利率）^贷款月数-1）
其中：
贷款本金：30万元
月利率：年利率3.8%除以12
贷款月数：6年乘以12
计算后，得出贷款月供为5,982.49元。
逐月还款情况
逐月还款情况如下表所示：
| 还款月数 | 月供 | 本金 | 利息 | 剩余本金 |
|---|---|---|---|---|
| 1 | 5,982.49 | 1,000.00 | 4,982.49 | 290,000.00 |
| 2 | 5,982.49 | 1,020.00 | 4,962.49 | 288,980.00 |
| 3 | 5,982.49 | 1,040.00 | 4,942.49 | 287,940.00 |
| 4 | 5,982.49 | 1,060.00 | 4,922.49 | 286,880.00 |
| 5 | 5,982.49 | 1,080.00 | 4,902.49 | 285,800.00 |
| 6 | 5,982.49 | 1,100.00 | 4,882.49 | 284,700.00 |
| 7 | 5,982.49 | 1,120.00 | 4,862.49 | 283,580.00 |
| 8 | 5,982.49 | 1,140.00 | 4,842.49 | 282,440.00 |
| 9 | 5,982.49 | 1,160.00 | 4,822.49 | 281,280.00 |
| 10 | 5,982.49 | 1,180.00 | 4,802.49 | 280,100.00 |
| 11 | 5,982.49 | 1,200.00 | 4,782.49 | 278,900.00 |
| 12 | 5,982.49 | 1,220.00 | 4,762.49 | 277,680.00 |
| 13 | 5,982.49 | 1,240.00 | 4,742.49 | 276,440.00 |
| 14 | 5,982.49 | 1,260.00 | 4,722.49 | 275,180.00 |
| 15 | 5,982.49 | 1,280.00 | 4,702.49 | 273,900.00 |
| 16 | 5,982.49 | 1,300.00 | 4,682.49 | 272,600.00 |
| 17 | 5,982.49 | 1,320.00 | 4,662.49 | 271,280.00 |
| 18 | 5,982.49 | 1,340.00 | 4,642.49 | 269,940.00 |
| 19 | 5,982.49 | 1,360.00 | 4,622.49 | 268,580.00 |
| 20 | 5,982.49 | 1,380.00 | 4,602.49 | 267,200.00 |
| 21 | 5,982.49 | 1,400.00 | 4,582.49 | 265,800.00 |
| 22 | 5,982.49 | 1,420.00 | 4,562.49 | 264,380.00 |
| 23 | 5,982.49 | 1,440.00 | 4,542.49 | 262,940.00 |
| 24 | 5,982.49 | 1,460.00 | 4,522.49 | 261,480.00 |
| 25 | 5,982.49 | 1,480.00 | 4,502.49 | 260,000.00 |
| 26 | 5,982.49 | 1,500.00 | 4,482.49 | 258,500.00 |
| 27 | 5,982.49 | 1,520.00 | 4,462.49 | 257,000.00 |
| 28 | 5,982.49 | 1,540.00 | 4,442.49 | 255,460.00 |
| 29 | 5,982.49 | 1,560.00 | 4,422.49 | 253,900.00 |
| 30 | 5,982.49 | 1,580.00 | 4,402.49 | 252,320.00 |
| 31 | 5,982.49 | 1,600.00 | 4,382.49 | 250,720.00 |
| 32 | 5,982.49 | 1,620.00 | 4,362.49 | 249,100.00 |
| 33 | 5,982.49 | 1,640.00 | 4,342.49 | 247,460.00 |
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