If calculated by equal principal and interest:

The monthly payment for 30 years is 3,597 yuan, and the total monthly payment for 30 years is 6,543,800 yuan+0.295 million yuan, and the total interest excluding the principal is 695,000 yuan.

According to the five-year calculation, the monthly payment is 1. 1.6 million yuan, and the total interest excluding the principal is 1.96 million yuan.

If calculated by average capital:

For the 30-year term, the first month pays 4,666.7 yuan, the next month pays 8.33 yuan less than last month, and the last period only pays 1.675 yuan, with a total interest of 54 1.5 million yuan.

In the five-year period, the first month is 6.5438+0.3 million yuan, and the monthly payment is less than that of the last month. The last period is only 6.5438+0.05 million yuan, and the total interest is 9.65438+0.5 million yuan.

In short, the average capital seems to be much more cost-effective than the equal principal and interest, but at the beginning, the repayment pressure is relatively high. If you think you can, choose the principal.