* "You have lived here for three years" is grammatically correct.
* "Been living years" is not a complete sentence and doesn't make sense.
Let's fix the second sentence to make a comparison:
* "You have been living here for three years"
Here's the difference between the two:
* "You have lived here for three years" emphasizes the duration of your residency, focusing on the completed time period.
* "You have been living here for three years" emphasizes the ongoing nature of your residency, focusing on the fact that you are still living there.
Both sentences are grammatically correct and convey a similar meaning, but they highlight different aspects of your time living in the location.