Calculation formula: interest = principal× interest rate× time. So: 250,000 *3.9%/ 12=8 10 yuan. Interest plus principal is the monthly payment.

The loan interest of 250,000 yuan is 3.9. 250,000 yuan multiplied by 0.39 equals 97,500 yuan.

If it is a one-year period, it is 250,000 plus 97,500 divided by 12 months, which is equal to the monthly payment of 28,960.