Specifically, the interest on your own assets and the bank is generally between 3% and 8%. For example, when it is 3%, five years is 60 installments (one year 12 installments), and the interest of each installment is 3%. 300,000 * 3% is 900 yuan (interest of 900 per installment), and 60*900 or 54,000 for the 60th installment. The bank can repay the loan in advance without penalty interest.