答：車貸10萬元、期限3年（36期）、年利率12%，按等額（等本息）還款計算：

每月還款額=[貸款本金×月利率×（1+月利率）^還款月數]÷[（1+月利率）^還款月數－1]=(100000*12%/12*(1+12%/12)^36)/((1+12%/12)^36-1)=3321.43元，3年共需付利息為3321.43*36-100000=19571.48元。每期具體情況如下：

期數 本金 利息 每期金額 餘額

1 2,321.43 1,000.00 3,321.43 97,678.57

2 2,344.64 976.79 3,321.43 95,333.93

3 2,368.09 953.34 3,321.43 92,965.84

4 2,391.77 929.66 3,321.43 90,574.07

5 2,415.69 905.74 3,321.43 88,158.38

6 2,439.85 881.58 3,321.43 85,718.53

7 2,464.24 857.19 3,321.43 83,254.29

8 2,488.89 832.54 3,321.43 80,765.40

9 2,513.78 807.65 3,321.43 78,251.62

10 2,538.91 782.52 3,321.43 75,712.71

11 2,564.30 757.13 3,321.43 73,148.41

12 2,589.95 731.48 3,321.43 70,558.46

13 2,615.85 705.58 3,321.43 67,942.61

14 2,642.00 679.43 3,321.43 65,300.61

15 2,668.42 653.01 3,321.43 62,632.19

16 2,695.11 626.32 3,321.43 59,937.08

17 2,722.06 599.37 3,321.43 57,215.02

18 2,749.28 572.15 3,321.43 54,465.74

19 2,776.77 544.66 3,321.43 51,688.97

20 2,804.54 516.89 3,321.43 48,884.43

21 2,832.59 488.84 3,321.43 46,051.84

22 2,860.91 460.52 3,321.43 43,190.93

23 2,889.52 431.91 3,321.43 40,301.41

24 2,918.42 403.01 3,321.43 37,382.99

25 2,947.60 373.83 3,321.43 34,435.39

26 2,977.08 344.35 3,321.43 31,458.31

27 3,006.85 314.58 3,321.43 28,451.46

28 3,036.92 284.51 3,321.43 25,414.54

29 3,067.28 254.15 3,321.43 22,347.26

30 3,097.96 223.47 3,321.43 19,249.30

31 3,128.95 192.49 3,321.44 16,120.35

32 3,160.23 161.20 3,321.43 12,960.12

33 3,191.83 129.60 3,321.43 9,768.29

34 3,223.75 97.68 3,321.43 6,544.54

35 3,255.99 65.45 3,321.44 3,288.55

36 3,288.55 32.89 3,321.44 -