贷款20万利率四厘7贷三年还多少？
贷款20万元，利率为年利率4.7%，贷款期限为3年，计算方法如下：
还款总额
还款总额 = 贷款本金 (1 + 利率 贷款期限)
还款总额 = 200,000 (1 + 0.047 3)
还款总额 = 230,510元
月供
月供 = 还款总额 / 贷款期限
月供 = 230,510 / 36
月供 = 6,403元
总利息
总利息 = 还款总额 - 贷款本金
总利息 = 230,510 - 200,000
总利息 = 30,510元
还款计划
具体还款计划如下：
| 期数 | 本金 | 利息 | 还款额 | 剩余本金 |
|---|---|---|---|---|
| 1 | 6,403 | 793 | 7,196 | 193,597 |
| 2 | 6,403 | 731 | 7,134 | 187,194 |
| 3 | 6,403 | 667 | 7,070 | 180,791 |
| 4 | 6,403 | 600 | 7,003 | 174,388 |
| 5 | 6,403 | 531 | 6,934 | 167,985 |
| 6 | 6,403 | 459 | 6,862 | 161,582 |
| 7 | 6,403 | 385 | 6,788 | 155,179 |
| 8 | 6,403 | 309 | 6,712 | 148,776 |
| 9 | 6,403 | 232 | 6,635 | 142,373 |
| 10 | 6,403 | 153 | 6,556 | 135,970 |
| 11 | 6,403 | 72 | 6,475 | 129,567 |
| 12 | 6,403 | - | 6,403 | 123,164 |
| 13 | 6,403 | - | 6,403 | 116,761 |
| 14 | 6,403 | - | 6,403 | 110,358 |
| 15 | 6,403 | - | 6,403 | 103,955 |
| 16 | 6,403 | - | 6,403 | 97,552 |
| 17 | 6,403 | - | 6,403 | 91,149 |
| 18 | 6,403 | - | 6,403 | 84,746 |
| 19 | 6,403 | - | 6,403 | 78,343 |
| 20 | 6,403 | - | 6,403 | 71,940 |
| 21 | 6,403 | - | 6,403 | 65,537 |
| 22 | 6,403 | - | 6,403 | 59,134 |
| 23 | 6,403 | - | 6,403 | 52,731 |
| 24 | 6,403 | - | 6,403 | 46,328 |
| 25 | 6,403 | - | 6,403 | 39,925 |
| 26 | 6,403 | - | 6,403 | 33,522 |
| 27 | 6,403 | - | 6,403 | 27,119 |
| 28 | 6,403 | - | 6,403 | 20,716 |
| 29 | 6,403 | - | 6,403 | 14,313 |
| 30 | 6,403 | - | 6,403 | 7,910 |
| 31 | 6,403 | - | 6,403 | 1,507 |
| 32 | 1,507 | - | 1,507 | 0 |
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