0.40 million yuan

Total repayment:

580,750.00 yuan

Total interest:

180750.00 yuan

First repayment amount:

3 166.67 yuan

Loan term:

240

The repayment method of matching principal and interest is 15 years, and the total loan amount is:

0.40 million yuan

Total repayment:

550,795.17 yuan

Total interest:

150,795.17 yuan

First repayment amount:

3059.97 yuan

Loan term:

180

Interest difference =180,750.00-150,795.17 = 29,954.83, with a difference of nearly 30,000 yuan. If I can help you, please choose a satisfactory answer to support me.