The loan will be paid off in 250,000 yuan 10 year, and the equal principal and interest will be paid at the benchmark interest rate of 5. 15%, and the monthly interest will be increased by 2 670 yuan. Since the matching principal and interest is the principal to be repaid first, the annual interest will be less and less. The loan of 250,000 yuan is paid off in 10 year, and the total interest is about 70,000 yuan.

2.

The loan of 250,000 yuan was paid off in +00. In the average capital, the benchmark interest rate is 5. 15%, and the monthly interest rate is increased to 365,438+030 yuan. In the average capital, the monthly repayment principal remains unchanged and the interest is getting less and less. Therefore, the repayment method in average capital is more cost-effective. It will be paid off in about 10 years, with a total interest of about 64,000.