If your mortgage is 640,000 yuan, the total term is 30 years, and the annual interest rate is 5%, then you need to pay a total of 1.6 million yuan, and your monthly payment is 4,440 yuan, so you can repay it according to the loan contract.

Monthly mortgage refers to the monthly repayment amount that the lender should pay to the lending bank during the repayment period when purchasing commercial houses and motor vehicles through bank mortgage, including principal and corresponding interest.