At present, the benchmark annual interest rate of personal (RMB) loans for more than five years announced by the People's Bank of China is 4.9%. According to the benchmark interest rate, the total interest of "equal principal and interest repayment method" is 124220.88 yuan, and the monthly payment is 2356.78 yuan. The total interest of "equal principal repayment" is 1 10862.5 yuan, and the monthly payment decreases month by month.

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