The monthly matching principal and interest are the same, * * * needs to pay interest of 477,868.36, which is also 449 1. 12 yuan.
The average capital is more before and less after. * * * Need to pay interest of 394,637.5, with the highest monthly interest of 5,092,438+0, decreasing month by month, and the lowest monthly interest of 256,438+03.65 yuan.
Legal basis: Article 38 of the Law of People's Republic of China (PRC) Commercial Bank, a commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.
Article 39 A commercial bank shall abide by the following provisions on the management of asset-liability ratio when granting loans:
(1) The capital adequacy ratio shall not be less than 8%.
(2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%.
(3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%.
(4) Other provisions of the State Council Banking Regulatory Authority on the management of asset-liability ratio.
If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.