银行借40万两年还多少本金？附详细还款明细

银行借40万两年还多少本金？

借款40万元，贷款期限为2年，则需要偿还的本金总额为40万元。可以采用等额本金还款法或等额本息还款法。

等额本金还款法

等额本金还款法是指将贷款金额平均分配到每个月中，每月还款本金相同，利息逐渐减少。采用此还款法，2年的还款明细如下：

| 期数 | 还款总额 | 本金 | 利息 | 剩余本金 |

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

| 1 | 22,238.85 | 20,000.00 | 2,238.85 | 200,000.00 |

| 2 | 22,238.85 | 20,000.00 | 2,238.85 | 180,000.00 |

| 3 | 22,238.85 | 20,000.00 | 2,238.85 | 160,000.00 |

| 4 | 22,238.85 | 20,000.00 | 2,238.85 | 140,000.00 |

| 5 | 22,238.85 | 20,000.00 | 2,238.85 | 120,000.00 |

| 6 | 22,238.85 | 20,000.00 | 2,238.85 | 100,000.00 |

| 7 | 22,238.85 | 20,000.00 | 2,238.85 | 80,000.00 |

| 8 | 22,238.85 | 20,000.00 | 2,238.85 | 60,000.00 |

| 9 | 22,238.86 | 20,000.00 | 2,238.86 | 40,000.00 |

| 10 | 22,238.86 | 20,000.00 | 2,238.86 | 20,000.00 |

| 11 | 22,238.86 | 20,000.00 | 2,238.86 | 0.00 |

| 12 | 22,238.86 | 20,238.86 | 0.00 | 0.00 |

等额本息还款法

等额本息还款法是指每月还款的本金和利息总额相同，贷款期间每月还款额固定。采用此还款法，2年的还款明细如下：

| 期数 | 还款总额 | 本金 | 利息 | 剩余本金 |

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

| 1 | 21,543.17 | 18,195.25 | 3,347.92 | 381,804.75 |

| 2 | 21,543.17 | 18,195.26 | 3,347.91 | 363,609.49 |

| 3 | 21,543.17 | 18,195.27 | 3,347.90 | 345,414.22 |

| 4 | 21,543.17 | 18,195.28 | 3,347.89 | 327,218.94 |

| 5 | 21,543.17 | 18,195.29 | 3,347.88 | 309,023.65 |

| 6 | 21,543.17 | 18,195.30 | 3,347.87 | 290,828.35 |

| 7 | 21,543.17 | 18,195.31 | 3,347.86 | 272,633.04 |

| 8 | 21,543.17 | 18,195.32 | 3,347.85 | 254,437.72 |

| 9 | 21,543.17 | 18,195.33 | 3,347.84 | 236,242.39 |

| 10 | 21,543.17 | 18,195.34 | 3,347.83 | 218,047.05 |

| 11 | 21,543.17 | 18,195.35 | 3,347.82 | 199,851.70 |

| 12 | 21,543.17 | 18,343.17 | 3,200.00 | 181,508.53 |

| 13 | 21,543.17 | 18,343.18 | 3,200.00 | 163,165.35 |

| 14 | 21,543.17 | 18,343.19 | 3,200.00 | 144,822.16 |

| 15 | 21,543.17 | 18,343.20 | 3,200.00 | 126,478.96 |

| 16 | 21,543.17 | 18,343.21 | 3,200.00 | 108,135.75 |

| 17 | 21,543.17 | 18,343.22 | 3,200.00 | 89,792.53 |

| 18 | 21,543.17 | 18,343.23 | 3,200.00 | 71,449.30 |

| 19 | 21,543.17 | 18,343.24 | 3,200.00 | 53,106.06 |

| 20 | 21,543.17 | 18,343.25 | 3,200.00 | 34,762.81 |

| 21 | 21,543.17 | 18,343.26 | 3,200.00 | 16,419.55 |

| 22 | 21,543.17 | 16,419.55 | 5,123.62 | 0.00 |