在申请贷款前，了解利息费用非常重要。贷款20万5年，利息金额会因贷款利率的不同而有所差异。以下提供两种常见的贷款利率和对应的利息金额计算：
**贷款利率5%：**
table
| 期次 | 本金 (元) | 利息 (元) | 总还款额 (元) | 余额 (元) |
|---|---|---|---|---|
| 1 | 4,000 | 833.33 | 4,833.33 | 160,000 |
| 2 | 4,000 | 800.00 | 4,800.00 | 156,000 |
| 3 | 4,000 | 766.67 | 4,766.67 | 152,000 |
| 4 | 4,000 | 733.33 | 4,733.33 | 148,000 |
| 5 | 4,000 | 700.00 | 4,700.00 | 144,000 |
| 6 | 4,000 | 666.67 | 4,666.67 | 140,000 |
| 7 | 4,000 | 633.33 | 4,633.33 | 136,000 |
| 8 | 4,000 | 600.00 | 4,600.00 | 132,000 |
| 9 | 4,000 | 566.67 | 4,566.67 | 128,000 |
| 10 | 4,000 | 533.33 | 4,533.33 | 124,000 |
| 11 | 4,000 | 500.00 | 4,500.00 | 120,000 |
| 12 | 4,000 | 466.67 | 4,466.67 | 116,000 |
| 13 | 4,000 | 433.33 | 4,433.33 | 112,000 |
| 14 | 4,000 | 400.00 | 4,400.00 | 108,000 |
| 15 | 4,000 | 366.67 | 4,366.67 | 104,000 |
| 16 | 4,000 | 333.33 | 4,333.33 | 100,000 |
| 17 | 4,000 | 300.00 | 4,300.00 | 96,000 |
| 18 | 4,000 | 266.67 | 4,266.67 | 92,000 |
| 19 | 4,000 | 233.33 | 4,233.33 | 88,000 |
| 20 | 4,000 | 200.00 | 4,200.00 | 84,000 |
| 21 | 4,000 | 166.67 | 4,166.67 | 80,000 |
| 22 | 4,000 | 133.33 | 4,133.33 | 76,000 |
| 23 | 4,000 | 100.00 | 4,100.00 | 72,000 |
| 24 | 4,000 | 66.67 | 4,066.67 | 68,000 |
| 25 | 4,000 | 33.33 | 4,033.33 | 64,000 |
| 26 | 4,000 | 0.00 | 4,000.00 | 60,000 |
| 27 | 4,000 | 0.00 | 4,000.00 | 56,000 |
| 28 | 4,000 | 0.00 | 4,000.00 | 52,000 |
| 29 | 4,000 | 0.00 | 4,000.00 | 48,000 |
| 30 | 4,000 | 0.00 | 4,000.00 | 44,000 |
| 31 | 4,000 | 0.00 | 4,000.00 | 40,000 |
| 32 | 4,000 | 0.00 | 4,000.00 | 36,000 |
| 33 | 4,000 | 0.00 | 4,000.00 | 32,000 |
| 34 | 4,000 | 0.00 | 4,000.00 | 28,000 |
| 35 | 4,000 | 0.00 | 4,000.00 | 24,000 |
| 36 | 4,000 | 0.00 | 4,000.00 | 20,000 |
| 37 | 4,000 | 0.00 | 4,000.00 | 16,000 |
| 38 | 4,000 | 0.00 | 4,000.00 | 12,000 |
| 39 | 4,000 | 0.00 | 4,000.00 | 8,000 |
| 40 | 4,000 | 0.00 | 4,000.00 | 4,000 |
| 41 | 4,000 | 0.00 | 4,000.00 | 0 |
贷款利率6%：**
table
| 期次 | 本金 (元) | 利息 (元) | 总还款额 (元) | 余额 (元) |
|---|---|---|---|---|
| 1 | 4,000 | 1,000.00 | 5,000.00 | 160,000 |
| 2 | 4,000 | 960.00 | 4,960.00 | 156,000 |
| 3 | 4,000 | 920.00 | 4,920.00 | 152,000 |
| 4 | 4,000 | 880.00 | 4,880.00 | 148,000 |
| 5 | 4,000 | 840.00 | 4,840.00 | 144,000 |
| 6 | 4,000 | 800.00 | 4,800.00 | 140,000 |
| 7 | 4,000 | 760.00 | 4,760.00 | 136,000 |
| 8 | 4,000 | 720.00 | 4,720.00 | 132,000
