1. Monthly payment: accumulation fund 2835.98, commercial loan 2673.08, totaling 5509.06.

2. See the screenshot for details:

Second, the average capital repayment method:

1. Monthly payment: accumulation fund 3437.5, commercial loan 6820.83, totaling 6820.83.

Monthly payment at the end of the period: 2088.98 for provident fund repayment and 1673.82 for commercial loan repayment, totaling 3762.8.

2. See the screenshot for details:

Third, the repayment instructions

1. Equal principal and interest repayment method is to add up the total principal and interest of mortgage loans and then distribute them evenly to each month of repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. This method is the most common and recommended by most banks for a long time.

2、

Matching principal repayment means that the lender distributes the principal to each month and pays off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month. Average capital repayment method is a very simple and practical repayment method. The principle of the basic algorithm is to repay the loan principal in equal amount on schedule during the repayment period, and at the same time pay off the interest generated by the unpaid principal in the current period. Repayment methods can be monthly repayment and quarterly repayment. Due to the requirement of bank interest settlement practice, quarterly repayment is generally adopted (such as China Bank). Matching principal repayment is not an option to save interest. If there is really a good way to save interest, it is to learn to spend rationally, according to your own economic strength, tailor your clothes to live within your means, borrow as little as possible and borrow short money. This is the only feasible way. The average capital repayment method refers to a repayment method in which the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the current month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is less and less. It is also convenient to determine the repayment ability according to your own income. The total expenditure of this repayment mode may be reduced relative to the matching principal and interest, but the repayment pressure is greater at first.

If it is used for mortgage, this method is more suitable for people who are at the peak of work or are about to retire.