According to Cai Xi's inquiry, a loan amount of 70,000 points and 36 installments a month should be calculated according to the user's loan interest rate and the repayment method chosen. Assuming that the user's loan interest rate is 4.75% and the loan is 70,000 installments, if the user chooses to repay the principal and interest in the same amount, the total monthly principal and interest will be 2090. 1 1, and the total interest will be 5200. If the user chooses equal repayment, the total principal and interest repayment in the first month is 22,265,438+0.5, with a monthly decrease of 7.7, and the total interest is 565,438+000.
The specific loan interest rate and monthly repayment amount shall be subject to the approval of the bank.