The total loan is 230,000 yuan.

The total repayment amount is 399,565,438+09.58 yuan.

Pay interest 1695 19.58 yuan.

Number of months of loan: 360 months

First month repayment 1578.06 yuan.

Second, the biggest feature of the average capital method is that the monthly repayment amount is different, showing a state of decreasing month by month; It divides the loan principal equally according to the total repayment months, plus the interest of the remaining principal in the previous period, thus forming the monthly repayment amount, so the average capital method has the largest repayment amount in the first month.

, and then decrease month by month, the less, the calculation formula is:

Monthly principal and interest repayment amount = (principal/repayment months)+(principal-accumulated repaid principal) × monthly interest rate.