If the bank tells you that the loan interest rate is 6%, it means that the benchmark interest rate will rise by 10% and the annual interest rate is 7.205%. If the loan is repaid at this interest rate for 20 years, the monthly payment will be 1, 969. 1.3 yuan.

Total repayment: 47,2591.03 yuan.

Interest payment: 22259 1.03 yuan.

The first month's interest is 150 1.04 yuan and the principal is 468.09 yuan. After that, the monthly interest repayment decreased by 2.8 1 yuan, and the principal repayment increased by 2.8 1 yuan. The total monthly payment remains unchanged at 1969. 13 yuan.