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How is the interest calculated for the current loan at Changsha Postal Bank? How much is the interest for a 20-year loan of 180,000? Can anyone help?

Based on the benchmark interest rate (7.05%) on July 7, 2011, the loan is RMB 180,000, with 20 years, the monthly repayment of equal principal and interest is RMB 1,400.95, and the maximum interest payment is RMB 156,226.91.

Equal principal repayment: The first month’s principal and interest repayment is 1,807.50 yuan, and then it will decrease monthly, and the ***interest payment will be 127,428.75 yuan

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