贷款10万三年还款每月还多少合适？
贷款10万三年还款，每月还款金额取决于贷款利率。一般来说，贷款利率在3%到6%之间，还款方式有等额本息还款和等额本金还款两种。等额本息还款方式是指每个月还款金额固定，其中一部分用于偿还贷款本金，另一部分用于支付利息。等额本金还款方式是指每个月偿还的本金固定，利息随着本金的减少而减少，还款金额逐月递减。
等额本息还款方式
如果选择等额本息还款方式，贷款10万，年利率5%，贷款期限3年，每月还款金额为3,438.68元。具体还款计划如下：
| 期数 | 贷款本金 | 利息 | 还款总额 | 剩余本金 |
|---|---|---|---|---|
| 1 | 100,000 | 5,000 | 3,438.68 | 96,561.32 |
| 2 | 96,561.32 | 4,828.07 | 3,438.68 | 93,122.64 |
| 3 | 93,122.64 | 4,656.13 | 3,438.68 | 89,686.46 |
| 4 | 89,686.46 | 4,484.22 | 3,438.68 | 86,247.78 |
| 5 | 86,247.78 | 4,312.39 | 3,438.68 | 82,815.09 |
| 6 | 82,815.09 | 4,140.75 | 3,438.68 | 79,374.41 |
| 7 | 79,374.41 | 3,969.22 | 3,438.68 | 75,935.13 |
| 8 | 75,935.13 | 3,797.76 | 3,438.68 | 72,504.87 |
| 9 | 72,504.87 | 3,626.39 | 3,438.68 | 69,078.49 |
| 10 | 69,078.49 | 3,455.12 | 3,438.68 | 65,643.31 |
| 11 | 65,643.31 | 3,283.92 | 3,438.68 | 62,204.39 |
| 12 | 62,204.39 | 3,112.80 | 3,438.68 | 58,771.71 |
| 13 | 58,771.71 | 2,941.79 | 3,438.68 | 55,339.92 |
| 14 | 55,339.92 | 2,770.89 | 3,438.68 | 51,909.03 |
| 15 | 51,909.03 | 2,599.95 | 3,438.68 | 48,480.15 |
| 16 | 48,480.15 | 2,429.11 | 3,438.68 | 45,051.04 |
| 17 | 45,051.04 | 2,258.37 | 3,438.68 | 41,622.67 |
| 18 | 41,622.67 | 2,087.74 | 3,438.68 | 38,194.93 |
| 19 | 38,194.93 | 1,917.24 | 3,438.68 | 34,766.25 |
| 20 | 34,766.25 | 1,746.81 | 3,438.68 | 31,337.57 |
| 21 | 31,337.57 | 1,576.49 | 3,438.68 | 27,908.89 |
| 22 | 27,908.89 | 1,406.27 | 3,438.68 | 24,470.21 |
| 23 | 24,470.21 | 1,236.11 | 3,438.68 | 21,032.03 |
| 24 | 21,032.03 | 1,065.97 | 3,438.68 | 17,593.35 |
| 25 | 17,593.35 | 895.87 | 3,438.68 | 14,154.67 |
| 26 | 14,154.67 | 725.81 | 3,438.68 | 10,716.06 |
| 27 | 10,716.06 | 555.76 | 3,438.68 | 7,277.30 |
| 28 | 7,277.30 | 385.72 | 3,438.68 | 3,838.62 |
| 29 | 3,838.62 | 191.68 | 3,438.68 | 302.94 |
| 30 | 302.94 | 15.15 | 3,438.68 | 0 |
等额本金还款方式
如果选择等额本金还款方式，贷款10万，年利率5%，贷款期限3年，每月还款金额从3,941.08元逐渐递减至3,249.45元。具体还款计划如下：
| 期数 | 贷款本金 | 利息 | 还款总额 | 剩余本金 |
|---|---|---|---|---|
| 1 | 3,333.33 | 416.67 | 3,941.08 | 96,666.67 |
| 2 | 3,333.33 | 406.41 | 3,875.49 | 93,333.34 |
| 3 | 3,333.33 | 396.16 | 3,809.90 | 90,000.00 |
| 4 | 3,333.33 | 385.91 | 3,744.35 | 86,666.67 |
| 5 | 3,333.33 | 375.67 | 3,679.81 | 83,333.34 |
| 6 | 3,333.33 | 365.44 | 3,615.29 | 80,000.00 |
| 7 | 3,333.33 | 355.22 | 3,550.80 | 76,666.67 |
| 8 | 3,