The bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate level is determined according to the credit status, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, and it is the first suite, the current interest rate is 6. 14%, and the monthly interest rate is 6. 14% * 0.88.

Monthly payment of 320,000 years (360 months):

320000 * 6. 14% * 0.85/ 12 * ( 1+6. 14% * 0.85/ 12) 360/[( 1+6.65444)

Description: 360 is the power of 360.

Monthly payment for 25 years (300 months) of 320,000:

320000 * 6. 14% * 0.85/ 12 * ( 1+6. 14% * 0.85/ 12) 300/[( 1+6.65438)