Legal analysis: four situations in which the interest rate remains unchanged and the loan is fully paid off: 1. According to the commercial loan, the annual interest rate is 6.55% (the monthly interest rate is 5.45833%), the monthly payment is 2,245.56 yuan, and the total interest rate is 238,934.18 yuan; 2. According to the commercial loan, the annual interest rate is 6.55% (the monthly interest rate is 5.45833%) based on the average capital, and the first monthly payment is 2,887.5 yuan, with a decrease of 6.82 yuan per month. The last monthly payment is 1, 256.82 yuan, and the total interest is 1, 973,65438+. 3. Provident fund loan with equal principal and interest, with annual interest rate of 4.5% (monthly interest rate of 3.75%), monthly payment of 1.897.95 yuan, and total interest of 1.555507.55 yuan.

Legal basis: Article 14 of the Interim Measures for Special Additional Deduction of Individual Income Tax. If a taxpayer or his spouse uses a personal housing loan or housing accumulation fund of a commercial bank to purchase housing for himself or his spouse in China, the interest expenses incurred from the first housing loan shall be deducted according to the standard quota of RMB 1 000 per month in the year when the loan interest actually occurs, and the maximum deduction period shall not exceed 240 months. Taxpayers can only enjoy a first home loan interest deduction. The term "first home loan" as mentioned in these Measures refers to the housing loan that enjoys the interest rate of the first home loan when buying a house.