The commercial loan is 270,000 yuan, and the interest rate is 6.55%. 20 years, how much should I pay back with interest every month?

1. Total principal and interest: 485,040.76 yuan.

2. Total interest: 2 15040.76 yuan.

3. Monthly payment: 202 1 yuan.

4. Repayment of principal and interest in the first month: loan principal * monthly loan interest rate (annual interest rate/12), that is, 27 * 6.55%/12 =1473.75.

The down payment of principal = monthly payment-interest paid in the first month = = 2021-1473.75 = 547.25 yuan.

5. Current interest = loan principal balance in the previous period * monthly loan interest rate (annual interest rate/12).

Outstanding loan principal at the end of the first period (balance at the beginning of the second period): 270,000-547.25.

Second interest: (270,000-547.25) * monthly loan interest rate (annual interest rate/12)= 1470.76 yuan.

Repayment of principal in the second phase = monthly payment-1470.76 = 550.24 yuan.

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