Matching principal and interest method: loan principal: 30,000 yuan, assuming annual interest rate: 4.750%, loan life: 3 years; Monthly repayment of principal and interest: 895.76 yuan, total repayment of principal and interest: 32,247.36 yuan, * * * interest payable: 2,247.36 yuan. The interest paid in 1 month is:118.75; The first 1 month principal repayment is: 777.438+0; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)