Legal analysis: At present, the annual interest rate of loans for 5-30 years (including 30 years) announced by the People's Bank of China is 4.9%. Repay the principal and interest at the benchmark interest rate, and the monthly repayment amount is 3874.3 1 yuan. The monthly repayment amount is decreased by the average capital method.

Legal basis: Article 6 of "Several Opinions of the Supreme People's Court on People's Courts Handling Loan Cases" can be higher than the bank's interest rate, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum shall not exceed 4 times (including interest rate) of the bank's similar loan interest rate. Beyond this limit, the excess interest will not be protected.