The mortgage interest rate is 5.7% for 30 years, with equal principal and interest: the monthly payment is 34.824 million, the total repayment amount is 1.2537 million, and the interest is 653,700. In the first month, the average capital payment was 45 16.67, and the interest was 5 1.44 million.

The mortgage interest rate is 3.9%, with equal principal and interest. The monthly repayment is 2830.0 1, the total repayment amount is1kloc-0/.88, and the interest is 4 1.88. The first monthly repayment is 36 16.67, and the interest is 352,000.

Matching principal and interest, the monthly repayment is 3482.40-2830.05438+0 = 652.39, and the total interest is 65.37-41.88 = 234,900. After it is reduced to 3.9%, the monthly repayment is 652.39 yuan. The total interest is less than 234,900 yuan.

Average capital, repayment in the first month is 4516.67-3616.67 = 900, and total interest is 51.44-35.20 =162400. The repayment in the first month is less than 900 yuan, and the interest is less than 6,543,800 yuan+0,624,000 yuan.