The following are equal principal and interest repayment methods, which means you have to pay the same amount every month.

1. Commercial loan, second-home commercial loan interest rate in July 2011: 7.755%

Total loan: 100,000 yuan)

Total repayment: 14.404 (ten thousand yuan)

Interest paid: 4.404 (ten thousand yuan)

Number of loan months: 120 (months)

Average monthly repayment: 1200.37 (yuan) )

2. Provident Fund loan, provident fund loan interest rate in July 2011: 4.90%

Total loan: 100,000 yuan)

Total repayment: 12.669 ( Ten thousand yuan)

Interest paid: 2.669 (ten thousand yuan)

Number of loan months: 120 (months)

Average monthly repayment: 1055.77 (yuan)< /p>