After the adjustment on July 7, the interest rate of provident fund loans with a term of more than five years is 4.90%, and the monthly interest rate is 4.90%/ 12.

280,000 yuan, 12 years (144 months), with monthly repayment:

280000 * 4.90%/ 12 * ( 1+4.90%/ 12) 144/[( 1+4.90%/ 12).

Description: 144 is the power of 144.