Calculated at the annual interest rate of 6.37%, the repayment will be made in the form of equal principal and interest, with a fixed monthly repayment of 14 years 1800 yuan, 102759, with a total repayment of 302,759 yuan, of which the principal is 200,000 yuan and the interest is 1759 yuan.

After two years, the principal is still 18 1 100 yuan, which means it can be settled in one lump sum.