1. First, we need to determine the interest rate. Due to the lack of specific information, we assume that the annual interest rate is 4.5%.

2. Secondly, according to the principal and interest rate of the loan, the monthly repayment can be calculated by using the loan calculation formula. For example, the loan principal is 400,000 yuan, the loan term is 60 installments (5 years), the annual interest rate is 4.5%, the monthly interest rate is equal to 1.2%, and the number of repayment installments is equal to 60.

3. Finally, the monthly repayment amount is equal to (400,000 times 0.00375) divided by 1 minus (1 plus 0.00375) (minus 60) equals 80 15 yuan.