The amount that needs to be repaid every month is 1,689.24 yuan; if you choose the calculation method of equal principal, the amount that needs to be repaid in the first month is 1,986.67, and the amount that needs to be repaid in the next month is less than 1,981.22 yuan. The amount that needs to be repaid in the last month is 1338.78 yuan.

: The characteristic of equal principal and interest repayment is that the monthly repayment of principal and interest is the same. Although this repayment method makes the budget easier and the initial repayment pressure is reduced, the initial interest repayment accounts for 10% of the monthly payment. As the main part of repayment, the proportion of principal in repayment gradually increases, and the proportion of interest gradually decreases, thereby achieving a relative balance. The interest return of this reimbursement method is very high, but the pressure of upfront repayment is not great. This repayment method is suitable for ordinary "workers". The characteristic of equal-payment principal repayment is that the principal is returned every month, and interest is calculated daily based on the loan principal. The funds for early repayment are larger, and the specified monthly repayment amount gradually decreases. The interest return of this reimbursement method is lower, but the pressure of early repayment is greater. Therefore, this compensation method is suitable for families with higher economic income. Different people have different economic conditions, and their choices will naturally be different. Therefore, for everyone, there is no most cost-effective repayment method, only the most suitable repayment method for them.

Mortgage repayment operations:

① Go to the bank where you borrowed the loan to make an appointment for repayment: You need to make an appointment if you want to repay, and the time of each bank and each branch is different. It's different. It all depends on the bank, because if there are fewer people repaying, it will definitely be faster, and if there are more people making appointments for repayment, it will definitely be slower. If it's fast, you can make an appointment on the same day and you can repay the next day. If it's slow, you may have to pay. A few months, so if you want to pay back in advance, make an appointment first.

② Prepare your own information: Prepare your own loan contract, repayment bank card, and your own identity document. If you bring these, you will basically be fine.

③ Take the money or card that needs to be repaid to the bank and fill out the application form: put the money that needs to be repaid on the bank card, go to the bank to fill in the repayment application form, if the money is transferred to other bank cards for repayment Just wait for the bank to deduct the money.

④Go to the Housing Authority to cancel the mortgage: Because the house bought with a loan is mortgaged, you need to go to the Housing Authority to cancel the mortgage after paying off the money. Some banks will cancel the mortgage, but it usually takes a long time. It will take a little longer. If you need to sell the house, it is still recommended to cancel the mortgage yourself. You need to ask the bank to see if the bank cancels the mortgage or you cancel it yourself.