If the principal is repaid according to the same amount, the repayment will be 3,222.92 yuan in the first month, and then it will be reduced by about 6 yuan every month. In the last month, the repayment was 2 172.53 yuan, the interest was 95,590.63 yuan, and the total repayment was 485,590.63 yuan.

If the principal and interest are repaid in equal amount, the monthly payment is 2740.4 1 yuan, the interest payment is 103273.48 yuan, and the total repayment amount is 493273.48 yuan.

The specific calculation formula and method are complicated. There are many loan calculators online, which can be searched by Baidu. It is very convenient to use.