Under the repayment mode of average capital, the repayment amount in the first month is 365,438+025 yuan, and then it will decrease by 65,438+00.94 yuan every month. In the 60th month, the monthly payment is 25 14.38 yuan, the total repayment amount is 176306.25 yuan, and the interest needs to be repaid 26306.25 yuan.