1. Take commercial loans as an example. If repayment is made by matching principal and interest, the annual interest rate is 3%, and the monthly payment is about 1740.83 yuan.

2. If the repayment is made according to the average capital method, the first monthly payment will be about 265,438+0,944 yuan, and the 53 yuan will be reduced every month thereafter.

3. In the case of provident fund loan, if the loan is repaid in the form of equal principal and interest, the annual interest rate is 2.5%, and the monthly payment is about 1740.83 yuan.

4. If the monthly repayment is about 265,438+0,944 yuan according to the average capital method, the monthly repayment will be reduced by 3 yuan.