1. Equal repayment of principal and interest: monthly repayment of principal and interest 1803.533 yuan and accumulated interest 192847.92 yuan, with a total repayment of 432847.92 yuan;

2. Equal principal repayment: accumulated interest 159060 yuan, and accumulated repayment amount is 399060 yuan.

The calculation formula of the average capital repayment method is as follows:

Quarterly repayment amount = loan principal ÷ number of quarters of loan term+(principal-accumulated repaid principal) × quarterly interest rate.

The loan you are talking about here is 240 thousand, and the loan period is 20 years.

Repay the principal in equal amount every quarter: 240,000 ÷ (20× 4) = 3,000 yuan.

Interest in the first quarter: 240,000× (6.6% ÷ 4) = 3,960 yuan, then the repayment amount in the first quarter is 3,000+3,960 = 6,960 yuan;

Interest in the second quarter: (240000-3000×1)× (6.6% ÷ 4) = 3910.5 yuan, then the repayment amount in the second quarter is 3000+39 10.5 yuan.

……

The interest in the 80th quarter: (240,000-3,000× 79 )× (6.6% ÷ 4) = 49.5 yuan, so the repayment amount in the 80th quarter (the last period) is 3,000+49.5 = 3,049.5 yuan.