As shown in the title, the monthly payment I calculated is 698.9 yuan, which is not much different, and the total interest is 141,602.5 yuan; for 110,020 years, based on the base interest rate of 6.55, the monthly payment is 823.37 yuan, and the total interest is 87,609.2 yuan. The monthly payment difference between the two is 124.47 yuan, and the total interest difference is 53,993.3 yuan.

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