1. After the commercial loan of 306,5438+2005 is paid off, the monthly repayment amount is 2,364.57 yuan, the total interest is 65,438 yuan+025,623.39 yuan, and the total repayment amount is 425,623.39 yuan.

2. Matching principal and interest refers to a repayment method of a loan, that is, the same amount of loan (including principal and interest) is repaid every month during the repayment period.

3. The formula for calculating the monthly repayment amount of equal principal and interest is as follows:

[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1].